The Secretariat for the APPG is provided by the Transparency Task Force (TTF), a Certified Social Enterprise. The Mission of the TTF is to promote ongoing reform of the financial sector, so that it serves society better; and its vision is to build a highly respected, international and influential institution that is dedicated to helping ensure consumers are treated fairly by the financial sector.

The APPG’s Secretariat is organised through a Secretariat Committee made up of TTF volunteers, as shown below – we are very grateful to them for their support.

Andy Agathangelou
Chair, Secretariat Committee for the APPG

I am very pleased to be Chairing the Secretariat Committee for the APPG on Personal Banking and Fairer Financial Services because it is profoundly important that all members of the public can trust and have confidence in our financial services sector. This APPG is determined to do all it can to help ensure that retail banks, other financial institutions and the regulatory framework create a financial ecosystem that serves society fairly and transparently. I am very grateful to all the members of the Transparency Task Force who have kindly volunteered alongside me to provide the APPG with the operational, administrative and secretariat services that are required.

Mark Bishop
Founder, Connaught action group

"I’ve volunteered to be part of the Secretariat Committee for the APPG on Personal Banking and Fairer Financial Services because I have spent eight and a half years and counting trying to resolve a complex financial services fraud, the underlying cause of which was, I believe, a mix of poor regulations and unsatisfactory performance and transparency and accountability of the regulator. During that time I have also examined many other cases of misconduct and poor customer treatment and helped the victims where I've been able to do so, in return gaining insights from them. It seems to me that there's a huge task to be performed to fix the regulatory environment, which is why I favour a process of working with supportive parliamentarians to help them understand the nature and extent of the problem and develop solutions, where necessary through legislative change. A former journalist and the holder of an MBA from a triple-accredited business school, I believe that I bring a mix of communication and analytical skills that could be useful to the group."

Sue Lewis
Independent Financial Services Consumer Consultant

"I have volunteered to support the work of the APPG on Personal Banking and Fairer Financial Services because parliamentarians can make a difference. Many financial services firms have treated consumers unfairly for too long. Parliamentarians can generate debate and encourage the industry, government and regulator to make much needed changes to the financial landscape"

Richard Emery
Fraud Investigator, 4Keys International

"I have volunteered to support the work of the APPG on Personal Banking and Fairer Financial Services because I firmly believe that the APPG is the best forum to encourage service providers to resolve historic shortcomings and deliver excellent banking services to personal customers in the future; specifically addressing the challenges of Authorised Push Payment Fraud (APPF)."

Alex Varley-Winter
Volunteer: Head of Media Relations and Investigative Reporting,Transparency Task Force

"I’m supporting the APPG out of concern for the impact of financial crime and what is sometimes too blithely dismissed as ‘sharp practise’, on people I’ve interviewed. A lot of financial institutions have been failing consumers and the next generation, recidivists who are out of step with building a sustainable world. Covering these issues brought me into Andy Agathangelou’s Transparency Task Force and, in turn, their drive to support this APPG."

Mark Hambling
Co Founder, GPG Creditors Committee

"I have volunteered to be part of the Secretariat because I believe there are some serious failings in the Financial Regulatory systems in the UK and I hope that I can assist in bringing about change that will be to the benefit of all .

Bringing awareness and understanding  to the lawmakers is a key element in bringing about changes which could do much to protect people from financial abuse by immoral introducers and white collar criminals who prey on innocent and naive victims."

Dr. Andy Schmulow
Academic at the University of Wollongong, Australia and Founder of Clarity Prudential and Regulatory Consulting

"I am privileged and honoured to be part of this Secretariat and to contribute to its important and purposeful work. I aim to bring insights from the Australian experience of sustained and widespread misconduct in our financial industry, the subornation and capture of our regulators, and the findings of Australia’s Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry. In particular there are important commonalities between Australia and the UK that relate to the Twin Peaks financial regulatory regime, first implemented in Australia, and subsequently copied in the UK."

Paul Carlier
FX, Financial Markets & Banking Consultancy

“Throughout an almost thirty year career in financial markets working for many of the world’s largest banks, I’ve acquired the ‘coal face’ experience that makes me a member of a club that is significantly more exclusive than I understood it to be. Namely, those that knew what the reality is and was, as opposed to the illusion so successfully created and presented by so many. And perhaps more exclusively, those that were prepared to speak up and expose this reality. All too often I have seen the illusion triumph over the reality, and almost inevitably because the wrong questions were asked, or the wrong allegations or pleadings put forward, and for no other reason than it was not known or understood, nor could it be. I hope to be able to use this ‘coal face’ experience to help the APPG get to the heart of the reality, expose the issues and, more importantly, help establish the solutions."

Pauline Creasey
Chief Executive Officer, JaDE TM

"Pauline is CEO and co-founder of JaDE-TM based in London and Florida  and responsible for international operations and technology innovation.

Pauline holds a B.A (Hons) in Politics and a Masters degree in Economics from the London School of Economics and Political Science.

She was formerly Director Europe, Middle East & Africa for the Oracle Corporation a software and information management firm headquartered in Redwood Shores, California and Vice President at AirTouch Communications in San Francisco USA.

Pauline has spent the last three years chairing the Premier FX Liquidation Committee - a claimants action group campaigning for justice and the return of clients’ funds from a UK authorised payment services firm. Premier FX collapsed insolvent in July 2018 eight weeks after being re-authorised under the new Payment Service Regulations 2017 which brought in stricter consumer protection but failed to identify and stop the firm operating a Ponzi scam and speculating with client money.

“In my opinion the work of the Transparency TaskForce and the APPG inquiry into the conduct of the UK regulator is both important and potentially far reaching in assisting Parliament, the regulator and banks in providing  consumer protection which works in practice. UK payment services firms are growing in number and should be safe and straightforward to use.  However, due to ‘light touch regulation’ by the regulator and  bank providing 70+ accounts the firm unlawfully evaded the legal requirement of holding client designated accounts, client money segregation & safeguarding and held no professional indemnity insurance for many years. Moreover, it was being run by persons who were not fit and proper due to previous custodial convictions for fraud.”

Pauline has first hand experience of the financial distress caused by lax or zero regulation and negligence in AML and suspicious activity reporting in major banks who appear focused on profits at any price and cost to the public."

Professor Keith Brown
Founding Director of the National Centre for Post Qualifying Social Work and Professional Practice

Comment to follow

Georgina Halford-Hall
CEO and founding member of WhistleblowersUK

"Georgina has assisted some of the most important UK financial services whistleblowers in recent history, helping to resolve cases for the individual and escalating the underlying issues resulting in scrutiny at the highest levels. She leads the campaign for an Independent Office of the Whistleblower. She is committed to transforming the way that whistleblowers and whistleblowing is treated not just in the UK but globally."


Anthony Stansfeld
Former Police & Crime Commissioner for Thames Valley Police

"Anthony was elected as Police and Crime Commissioner on 16th November 2012 and stepped down earlier this year.

He was born in Newbury and West Berks has been his home all his life. He is currently a member of West Berks Council, and was a member of the Thames Valley Police Authority for several years before taking over as Chairman of the Performance Committee in 2011. 

He has had a career in both the military and in industry. He enlisted in the Army at 17 and joined the Royal Green Jackets where he saw active service in Borneo and Northern Ireland. He learnt to fly helicopters at Middle Wallop and commanded various Army Air Corps Squadrons, including the Army helicopters in the Falkland Islands in the latter half of 1982.

He spent 2 years as Chief of Staff Intelligence in the Far East. On leaving the Army he was Marketing Director, and then, for 6 years, Managing Director of the aircraft company Pilatus Britten Norman, which had aircraft in over 100 countries. At the same time he commanded the Army reserve helicopters as a TA officer. 

While in the Army he spent 4 months carrying out the reconnaissance for the crossing of the Darien Gap in Panama and Columbia, and led the first stage of Operation Raleigh, taking young people through the jungles of Honduras and Belize. He was, for 8 years, a trustee of the Thames Valley Air Ambulance. 

He has an M.Sc and studied international terrorism and global security in depth at university."

Sebastian A. Leslie
CEO, Wrightson Group Councillor at Aberdeenshire Council

"Sebastian A. Leslie Is committed to environmental protection and the improvement of the quality of life for the next generations. He first arrived in Hungary in 1990 as a representative of the Westminster Foundation of Democracy and has had business interests in Hungary and elsewhere in the region since that date. 

As the speaker of the Brexit Party in Scotland for the last general election in 2019 he has shown onsistent support for upholding the rights of the nation state both in the UK and in Europe. 

He is a serving Councillor on Aberdeenshire Council and has maintained his links with the present generation of Visegrad 4 politicians."