Tony CattCV.020115

Tony Catt Curriculum Vitae
PROFILE
After a successful career in Financial Services I have built up a range of skills that can be
transferrable to any area of financial services and other industries.
 Currently undertaking compliance oversight for several firms – including
adviser management, pre-approvals, setting up systems and monitoring
functions, signing off financial promotion and business development.
 Skilled Person in application by True Potential for permission from FSA (now
FCA) to undertake Lifetime Mortgage/Equity Release business
 Monitoring of clients investing into UCIS fund
 Monitoring process for the launch of new products.
 Helping firms to set up compliance procedures and review sales processes.
 Classification of clients within bank and fund management company
 Held Competent Supervisor Status between 2003 and 2007 and was CF10 and
CF11 for my firm between 2000 and 2007.
 Set up the UK headquarters of an offshore investment fund – ahead of
schedule and in budget.
 Sourced and implemented and maintained a CRM used globally.
 Successfully launched an IFA practice by providing training for the advisers to
achieve Competent Adviser Status
 Sold bank cash management system to Zurich Insurance
 Top introducer of mortgages to Halifax for 9 consecutive months
 Regularly quoted in financial press and occasionally national press and have
done broadcasts for BBC Radio 5Live and Southern Sound.
 Completed all 3 FPC exams in one sitting. Now Diploma qualified
 Have been referred to undertake pension transfer and lifetime mortgage cases
for less well qualified advisers
SPECIFIC COMPLIANCE EXPERIENCE
 KYC – know your customer principles – monitoring and reporting
 AML – Anti Money Laundering – monitoring and reporting
 CF10 and CF11 within my own firm
 Conduct Risk - Auditing and monitoring of COBS, ICOBS, MCOB, CASS and COLL
procedures and requirements
 Sound appreciation of FSA rules and guidance, particularly COBS/ICOBS/MCOBS,
SYSC, PRIN, TC, TCF, FIT, GENPRU & PERG.
 Reviewing and signing off financial promotions – general insurance, investments and
pensions
 Prepared monitoring report for the processes relating to the launch of new products
 Prepared report for the classification of clients within a fund management company
 Undertaken audit of firm to check sales procedures and manuals.
 Preparation of due diligence information for AKG report
 Preparation of reports to the FSA
 The setting up of the CRM system within fund management firm for global use
 client due diligence and ongoing monitoring
 I have prepared part IV permission applications for firms to be directly authorised and
work as ARs and for individuals as RIs and ARs.
 Undertaken returns of RMAR and used the GABRIEL and ONA systems
Full Name Anthony Paul David Catt
Date of Birth: 23-03-1962 Marital Status: Married
Children: One, Edmund –19-08-1996
Type of Drivers Licence Held: Full
Address 17 Warren Way ,Telscombe Cliffs
East Sussex BN10 7DJ
Telephone H 01273 586030 M 07899 847338
E-mail – info@tonycatt.co.uk Skype tonycatt
Website – www.tonycatt.co.uk Twitter tonycatt

SKILLS
FCA style compliance supervision and file checking
Review of “Know Your Client” principles for a major banking group
Financial reporting and accounting, including FCA GABRIEL returns
Investment risk assessment and monitoring
Man management, good motivator of people, training and coaching
Project management
Team leadership.
Ability to work as a team member and as an individual.
Good communication - both oral and written
Office administration, computer literacy, keyboard skills, credit control
Presentation and Sales techniques
Business development.
Marketing
Paraplanning role relating to pension analysis (G60) work for other advisers
Research using Selectapension, Adviser Asset, Defacto Engage, Synaptics,
Trustnet, iress, Assureweb
Report writing and suitability letters for all business written
Investment portfolio advice and building and maintenance and review
Read and write and speak basic French
Knowledge of Microsoft Office suite
CURRENT CONTRACTS
12/2014 – date Best 4 Advice – compliancy consultancy
11/2014 – date Brighton Financial Services – review processes and documents
06/2014 – date Clifton Asset Management – review documents and processes
03/2014 – date Simpsons of Brighton – paraplanning assistance
11/2014 – date Digby Holman – compliance consultancy
10/2013 – date Baker Gladstone & York – UCIS file review
08/2013 – date Financial Ltd – pension & UCIS business reviews & file checking
08/2012 – date South West Financial Planning – complex/high risk new
business pre-approval and file checking, set up T&C program
05/2012 – date Pennymatters – new business file checking and compliance
oversight projects, review of procedures manuals
04/2011 – date True Potential – Lifetime mortgages/equity release skilled person
and pre-approvals
CAREER HISTORY
03/2012 – date Freelance Compliance Services.
03/2013 – date Skilled Person – Lifetime Mortgages, True Potential
09/2013 – 06/2014 IFA firm compliance supervision Daniel Marshall Associates
05/2013 - 06/2013 Investment review contractor, Lloyds TSB Bank
09/2012 - 02/2013 Compliance Marketing Executive, Bupa International
04/2011 – 05/2013 Compliance New Business File Checker True Potential
01/2010 – 05/2011 Operations Manager Managing Partners Capital
07/2009 – 02/2010 IFA Hanson Wealth Management
05/2009 – 10/2009 Pension Transfer Specialist Pembroke Financial Services
11/2007 – 09/2009 AR –IFA Simpsons of Brighton IFA
08/2000 – 09/2009 IFA Tony Catt Independent Financial Adviser
04/1999 - 08/2000 IFA Blacktower Financial Management
01/1997 - 03/1999 IFA Simpsons of Brighton IFA
03/1995 – 12/1996 Mortgage Adviser Halifax Property Services
03/1994 – 03/1995 Mortgage & Insurance Adviser Arun Estates
07/1993 – 03/1994 Financial Adviser Pearl Assurance
07/1980 – 07/1993 Bank Supervisor Royal Bank of Scotland

The overlaps are where I had multiple authorizations at one stage, the running down of my
business and working through gardening leave.
DETAILED DUTIES
DANIEL MARSHALL ASSOCIATES Compliance Officer
Reporting to Managing Director
9 direct reports
Small firm compliance function reporting to Managing Director CF10 and CF11
Setting up and maintaining training & competence scheme
Training of all staff to use iress, Assureweb, Defacto Engage, company websites.
FCA ONA and GABRIEL returns
Writing of annual MLRO, business plan, compliance plan and other annual reports.
Dealing with complaints and FOS
Learned to use Enable CRM and Fusion platform.
Liaison with FCA
Application for FCA CCL licence and permission
LLOYDS BANK PLC Contractor – business review
Reporting to Project Manger
Business review of packaged investment products.
BUPA International Contractor – Compliance Marketing Executive
Reporting to Head of Compliance
Signing off financial promotions
Liaison with other departments to provide compliance support
Training other departments regarding compliance requirements.
Keeping up to date with FCA regulation
Keeping up to date with ASA and CAP judgements and regulation
TRUE POTENTIAL Contractor – File Checker
Reporting to Head of Compliance
New business file checking for IFA firms for complete range of advice
Assisting administration staff with complex cases
Pre-approval of complex cases
FCA Skilled Person for FCA application for permission to advise on Lifetime Mortgages
MANAGING PARTNERS CAPITAL Operations Manager
6 direct reports
Appointed to oversee compliance and training for the UK distribution arm of offshore fund
management company, Managing Partners, which runs the Traded Policies Fund. This
involved the implementation of a CRM system that is used globally within the firm, the setting
up of a training and competence program for the regulated staff, the relocation of the
business to new offices in Chichester, the setting up of that office and the recruitment of new
staff.
FSA style compliance supervision and file checking
Financial reporting and accounting, including VAT registration, payroll, HMRC registration
Training other advisers to achieve competence.
Setting up and maintaining training and competence program
Project management
Team leadership
Marketing
Customer service and liaison.
Project to source and set up new UK office for offshore fund management group

TONY CATT INDEPENDENT FINANCIAL ADVISER Directly affiliated General IFA
Self employed
Main business areas
Compliance and monitoring of business
Competent supervisor status
Pensions and retirement planning
Investments
Mortgages
Lifetime mortgages, equity release and home reversion
Protection – life and income
Setting up my own business.
My sole practitioner firm was directly affiliated to the FSA. Therefore I have experience of FSA
reporting, file checking of all business, compliant marketing and compliance of all business.
Also arranged own PI cover. Set up all agencies with providers.
Training other advisers to achieve competence.
Competent supervisor of other advisers. Competent supervisor status held between 2003 and
2007.
In 2003, I took on 6 (six!) appointed representatives who had been made redundant by AMP
Pearl. I designed a training program for them to become Independent Financial Advisers.
They are now operating independently as Example Associates from an office in Storrington.
I have broadcast on BBC Radio 5Live and Southern FM and also had articles published in
Investment Week, Mortgage Magazine, Mortgage Solutions, the Evening Argus and the
Friday-Ad and been quoted in the financial trade press fairly regularly. I also produce my own
newsletters from time to time.
Project management
Team leadership.
Office administration, computer literacy, keyboard skills, credit control
Marketing
Accepted business for Lifetime Mortgages work for other advisers
Research using Synaptics, Trustnet, Exweb, Assureweb,
Continuing Professional Development
Financial reporting and accounting
HANSON WEALTH MANAGEMENT General IFA
Retirement planning and mortgage contract for Sussex Police
Marketing
Customer service and liaison

PEMBROKE FINANCIAL SERVICES Pension Specialist IFA
Research using Synaptics, Trustnet, Exweb, Assureweb,
SIMPSONS OF BRIGHTON General IFA – Appointed Representative
Marketing
Telesales
BLACKTOWER FINANCIAL MANAGEMENT General IFA
Marketing
Setting up Group Personal Pension schemes
Arranging commercial lending
SIMPSONS OF BRIGHTON General IFA
Training to become competent IFA
Product research
Marketing
Customer service and liaison
HALIFAX PROPERTY SERVICES Mortgage Adviser
Reporting to Regional Manager
Arranging mortgages and related insurance within estate agency
Covered various estate agent offices on Sussex Coast
ARUN ESTATE AGENTS Mortgage & Insurance Adviser
Reporting to Regional Manager
Arranging mortgages and related insurance within estate agency
Covered various offices on Sussex coast
Passed Provident Life pension exam
PEARL ASSURANCE Financial Adviser
Reporting to Branch Manager
Passed training modules to advise on Pensions and Protection
Marketing

Telesales.
ROYAL BANK OF SCOTLAND Bank Supervisor
Reporting to Branch Manager
20-40 direct reports
Administration and preparation work relating to the merger of 2 bank offices.
Preparation for the opening of a new bank branch.
Sorting applications for the issue of new shares.
In-house compliance procedures checking.
Service Circle leader.
Demonstration of corporate cash management software to allow customers to run their bank
accounts directly from their own offices. Best sale – Zurich Insurance.
Preparation of information and document design for mailshots.
EDUCATION
 8 GCE “O” Levels – English Literature, English Language, French, Italian,
Mathematics, Chemistry, Physics and Geography
 Business Education Council - National Diploma - Business Studies
 CIB Stage 2 Passes Accountancy, Economics, Investment
 CeFA Stage 1 pass (merit)
 FPC Passes - Papers 1, 2 & 3 – all taken and passed in July 1996.
 CF8 – Long Term Care – Pass – February 2014
 Diploma in Financial Planning – Completed in October 2012
 R01 – Regulation and compliance October 2012
 Mortgage Advice Qualification Pass – July 1999
 Advanced Financial Planning Certificate G60 – Pensions Pass – April 2003Lifetime Mortgage Qualification CF7 - Pass – December 2006
 CF7 & HR1 – Pass – August 2007
PERSONAL INTERESTS
* I have been a Community Governor at the CDP Federation, special needs schools in
Brighton.
* I am currently the Veterans’ match secretary and also the National Councillor for Sussex
at TT England. I have been the General Secretary of Sussex County Table Tennis
Association. I also held responsible roles within administration of Southampton and
Hampshire during my time in Southampton.
* I have represented Woolwich, Southampton, Hampshire, Brighton, Crawley, Worthing
and Sussex at table tennis. I still play county level and British League at Senior and
Veteran levels.
* I managed the Lewes Priory year group cricket team and have a UCC1 coaching
qualification for rugby.
* I enjoy most sports particularly football, swimming, tennis, squash and badminton.
* Also games such as snooker, pool, darts, bridge, chess, strategic board games and
quizzes.
* I enjoy socialising, eating out, travelling, going to shows, photography, stereo systems
and listening to music, reading and candle making.

Tony CattCV.020115

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