Meet the Cornerstone Team
A team of experienced professionals, dedicated to delivering trusted financial solutions.
Tom Apjohn-Williams
Commercial Manager
Tom Apjohn-Williams
Commercial Manager
About
Tom joined Cornerstone in August 2024 following his graduation from the University of Bath with a 2:1 BSc in Business, which included industry placements in Account Management and Marketing. Having progressed through Cornerstone’s Graduate Scheme, Tom was appointed Commercial Manager in April 2025. He is also continuing his studies post-university, working towards his Diploma in Regulated Financial Planning.
t.apjohn-williams@cornerstonefinance.co.uk
Maddy Benyon
Engagement Adviser
Maddy Benyon
Engagement Adviser
About
I joined Cornerstone Finance in August 2025. I have 2 years’ experience working in the financial industry including administration and customer service. I have a BSc in Sport and Exercise Science from Cardiff Metropolitan University. I am currently working towards my CompTIA qualification; I am always looking for ways to learn and grow. I enjoy engaging with advisers and being part of a team.
In my spare time I love listening to music and going to the gym. Especially Hyrox, CrossFit and running!
Jennifer Bloxsome
Commercial Manager
Jennifer Bloxsome
Commercial Manager
About
Jennifer Bloxsome is a specialist Mortgage and Protection Adviser with a strong focus on property investors and complex lending cases. As both an adviser and an active property investor, she brings a practical, real-world understanding to every recommendation she makes.
Jennifer advises on a wide range of residential and investment finance, including buy-to-let, portfolio landlords, limited company structures, bridging finance, semi-commercial property, and other complex scenarios that sit outside standard high-street criteria. Her approach is rooted in suitability, sustainability, and long-term strategy, rather than simply securing a rate.
She works closely with clients to understand not only the immediate transaction but the wider objectives behind it. This often includes supporting investors through growth stages, refinance strategies, and longer-term planning, alongside ensuring appropriate protection solutions are in place.
Jennifer prides herself on clear communication, attention to detail, and a compliance-led mindset. She thrives on making complex finance feel understandable and well structured, believing that good advice should be considered and tailored - never rushed or transactional.
Outside of advising, Jennifer remains actively involved in the property investment space, allowing her to stay grounded in the realities her clients face and continually refine her advice with practical insight.
Chris Caulfield-Jones
Group Director of Risk and Compliance
Chris Caulfield-Jones
Group Director of Risk and Compliance
About
Chris began his career as an adviser with L&G before transitioning into control and quality assurance. He has managed quality control teams across the wider financial services industry and, prior to joining Cornerstone Finance, gained experience working within the risk frameworks and management structures of high street lenders and the Financial Ombudsman Service (FOS).
Chris is passionate about embedding compliant core values and continuous improvement to deliver the best possible outcomes for customers.
Steven Darbyshire
Head of Commercial Finance (North)
Steven Darbyshire
Head of Commercial Finance (North)
About
Steven has worked in Financial Services since 2005, spending most of his career with the NatWest/RBS Group as a Relationship Manager. He later joined Together Money and The Sancus Group, where he deepened his expertise in bridging and development finance. After 18 years on the lending side, Steven made the transition to broking - and hasn’t looked back since. His wealth of experience enables him to provide tailored solutions across residential, buy-to-let, bridging, and development finance.
In his spare time he enjoys spending time with his family and tries to keep fit where he can.
Steve Davey
Protection Adviser
Steve Davey
Protection Adviser
About
Steve is an experienced protection insurance leader with over 15 years in financial services, sales, and leadership. Known for his people-first approach and commitment to excellence, he has led award-winning teams delivering exceptional advice and customer outcomes.
Before joining Cornerstone Finance, Steve headed the Protection & General Insurance division at Vita Financial, achieving outstanding customer outcomes and multiple national awards - including Best Protection Advice Firm and the Dr Marius Barnard Award for Excellence in Critical Illness Cover.
A certified member of the Chartered Insurance Institute (Cert CII) and qualified coach and mentor, Steve is passionate about developing advisers and enhancing protection standards across the industry. At Cornerstone Finance, his focus is on helping clients protect what matters most through trusted, tailored advice.
In his spare time, Steve likes spending as much time outdoors with his two boys as he can and encouraging their creative flare with fun activities to do together.
James Doherty
QC Officer
James Doherty
QC Officer
About
I joined Cornerstone in September 2024 and currently work in the Compliance team as a QC Officer. I live in Cardiff but was born and raised in the Rhondda Valleys.
Before joining Cornerstone, I worked for over two years as a Recruitment and Sales Consultant. Outside of work, I’ve been an avid music producer, composer, and sound designer since the age of 13, collaborating with artists from around the world.
I’m currently studying towards my financial qualifications, with aspirations to provide mortgage and protection advice in the future.
Wayne Donovan
Mortgage & Protection Adviser
Wayne Donovan
Mortgage & Protection Adviser
About
I joined the company in 2024, and it has been great to be part of the Group’s growth, meeting the challenges in the intermediary market with access to marketing leading technology, services and whole of market products.
I have been in the financial services industry for 20 years. In this time, I have worked in conveyancing, Intermediaries, building societies and high street lenders before taking the decision to become a mortgage adviser.
In my professional journey, I decided to broaden my horizons and spent 2 years as a student, studying Chinese at Xiamen University in China (During Covid)
In addition to standard mortgages, I’m also qualified in later life lending, and I’m currently studying for specialist property finance
Please contact me at Cornerstone Finance for a free no obligation review of your circumstances.
请您来吧!
一起合作, 一起取得成功, 一起加油!
Philip Emanuel
Director of Network Growth
Philip Emanuel
Director of Network Growth
About
With over 30 years’ experience in the UK financial services sector, Phil has extensive expertise in recruitment, performance, and sales management. He has significant experience within mortgage and protection networks, with a particular focus on implementing best practices across large teams.
Louis Flage
Engagement Adviser
Louis Flage
Engagement Adviser
About
I have been working for Cornerstone since the beginning of 2025. In my role I enjoy the opportunity to engage with many different professionals in their fields and provide them with support. I was born and raised in Newport and I graduated Swansea University with a degree in Criminology.
I am a big West Ham fan and enjoy watching them play in my free time.
Hilary Foster
Customer Service Manager
Hilary Foster
Customer Service Manager
About
Hilary is a part-time Triage Officer who joined the Cornerstone team in January 2023, bringing a wealth of life experience and common sense to her role. Her professional career was in retail banking, where she held a variety of roles including Risk, Branch, and Human Resource Management, gaining professional qualifications in each area.
She later took on further roles in Mortgage Regulation and Compliance and holds the CeMAP qualification.
Ben Gauci
Commercial Manager
Ben Gauci
Commercial Manager
About
Ben joined Cornerstone in October 2022, beginning his career in our Compliance department. During this time, he successfully achieved his CII Level 3 Certificate in Mortgage Advice, building a strong foundation in regulated mortgage advice and compliance practices.
Prior to joining Cornerstone, Ben completed his postgraduate studies at the University of South Wales, graduating with a Master’s degree in Finance and Investment with distinction.
In January 2024, Ben transitioned into our Commercial team, where he now specialises in a range of property finance solutions, including both regulated and unregulated bridging finance, complex buy-to-let mortgages, and commercial mortgage arrangements.
Dedicated to CPD, Ben is currently studying towards his Diploma in Regulated Financial Planning.
Neil Hillard
Business Development Manager
Neil Hillard
Business Development Manager
About
Neil brings a wealth of industry experience to his role as Business Development Manager. He entered financial services in 1988, becoming an IFA, and spent four years with HSBC advising commercial and corporate clients. Neil joined Cornerstone in 2022, having previously run his own mortgage brokerage for several years. He is CeMAP qualified and a property specialist, with expertise in bridging finance, buy-to-let, commercial and residential investment, and commercial owner-occupier transactions.
Andrew James
Head of Credit
Andrew James
Head of Credit
Mark James
Senior Commercial Manager
Mark James
Senior Commercial Manager
About
Mark has 39 years’ experience in banking, with more than half of his career spent in frontline relationship roles working with local businesses across a wide range of sectors. He is highly motivated to tailor commercial finance solutions that help businesses invest, grow, and achieve their goals.
Outside of work Mark is a family man and enjoys time with his wife, children and grandchildren and also likes to walk, read and enjoys most sports.
Luke Jones
Mortgage & Protection Adviser
Luke Jones
Mortgage & Protection Adviser
About
I’m one of the newest members of the mortgage team, having joined Cornerstone in April to help manage the growing number of mortgage enquiries.
I’ve worked in mortgages since 2018, gaining experience with various building societies. I always aspired to advise in a whole-of-market setting, so after completing my CeMAP exams, I made that leap. I love helping people achieve their goals and dreams, it's one of the few roles in finance that truly feels rewarding.
Outside of work, I’m a busy husband, dad, coach, and player. If I’m not driving my kids to football, rugby, cricket, or tennis, I’m coaching U10s rugby, cheering from the sidelines, or playing wheelchair rugby with the Dragons.
Alex Laister
QC Officer
Alex Laister
QC Officer
About
I was previously a technical support assistant for a busy broker, dealing with complex, niche, and challenging regulated cases.
Away from work, I enjoy all forms of motorsport, particularly F1, BTCC, and WRC. I also play snooker and 9-ball pool whenever I can against a lifelong friend and eternal sporting rival. I cannot readily accept defeat at his hand - the fury drives me onwards.
Martyn Lamb
Director of Performance and Transformation
Martyn Lamb
Director of Performance and Transformation
About
After seven years in the IT industry, I spent 17 years in banking across a variety of frontline, head office, and transformation roles. My specialist areas are continuous improvement, innovation, and operating model transformation.
Having worked with many of the current Cornerstone board members during my time at NatWest, I was delighted to be invited to join in 2021 to help deliver their vision for the Group. I now lead a team focused on our technology, infrastructure, processes, and strategy.
I love visiting new countries, especially those less travelled.
Leyton Lee
Commercial Support Officer
Leyton Lee
Commercial Support Officer
About
Leyton Lee joined us straight after finishing his Economics degree, making us his first step into the world of commercial finance. He brings a solid analytical mindset, a proactive approach, and a real enthusiasm for growing his financial know-how. He’s settled in quickly and says the team has been first-class when it comes to support, collaboration, and sharing knowledge.
Outside of work, Leyton’s usually watching or playing football, keeping active in the gym, or working on both his professional and personal development.
Graeme Lewis
Head of Network Engagement
Graeme Lewis
Head of Network Engagement
About
With over 25 years of experience in financial services, Graeme brings a wealth of expertise from frontline banking, business development, and even the motor and healthcare sectors.
Graeme is a passionate Swansea City season ticket holder.
Hannah Lister
Engagement Team Leader
Hannah Lister
Engagement Team Leader
About
I joined the Cornerstone Network in September 2024. As the Engagement Team Leader I’m focused on supporting the Engagement Team in creating a positive work environment and delivering excellent service across the Network.I have several years’ experience in team management and customer service. I graduated from Swansea University with a Master’s in Human Rights Law and International Development. Outside of work, I enjoy switching off by walking my dog on the beach and binge-watching reality TV.
John Maude
Head of Commercial Finance (Midlands)
John Maude
Head of Commercial Finance (Midlands)
About
John has over 36 years of experience in business and commercial banking, predominantly supporting SMEs, and he’s committed to helping Midlands-based businesses access the tailored financial solutions they need to thrive. Previously, John served as Regional Managing Director for the Midlands, Southwest & Wales at NatWest, followed by 18 months as Head of Business Banking Portfolio Management. At Cornerstone, John aims to establish the brand as the premier commercial finance broker in the Midlands, offering bespoke advice and dedicated support to clients striving for growth.
Joseph Miles
Engagement Adviser
Joseph Miles
Engagement Adviser
Milo Moran
Network Onboarding Officer
Milo Moran
Network Onboarding Officer
About
Brought up in Gloucestershire, I moved to Cardiff as a teenager. I started working for Cornerstone on my birthday, which makes it easy to remember. Outside the office, I play music and am a recent convert to following football.
Kevin Morgan
Managing Director, Cornerstone Commercial Finance
Kevin Morgan
Managing Director, Cornerstone Commercial Finance
About
Kevin joined Cornerstone Finance Group in September 2023, bringing with him an extensive 34-year career in commercial finance. Prior to joining Cornerstone, Kevin spent over three decades at NatWest, where he held a range of front-line roles, including senior management positions in Business & Commercial Lending underwriting in Birmingham and leadership roles within Business Banking across Wales and the M4 corridor.
A passionate advocate for entrepreneurship, Kevin believes that it is vital to the growth and prosperity of both the economy and communities. He is dedicated to building a culture that inspires, supports, and fosters growth and entrepreneurial spirit.
Harry Morgan
QC Officer
Harry Morgan
QC Officer
About
I currently live in Roath, having moved away from the Valleys to attend university, and have lived in Cardiff ever since.
In my spare time, I enjoy playing padel and exploring Cardiff’s food scene.
Paul Morgan
Specialist Protection Manager
Paul Morgan
Specialist Protection Manager
Will Morgan
Digital Transformation Executive
Will Morgan
Digital Transformation Executive
About
I joined the group in 2022 after completing a BSc (Hons) in Cyber Security, followed by an MSc in Computer Systems Security. Since then, I’ve been actively involved in a variety of key initiatives, including our conferences and last year’s Expo.
Working closely with Martyn, I’ve contributed to modernising and enhancing the group’s infrastructure through projects such as equipment acquisition, PowerApps development, and more.
Outside of work, I’m a Cardiff City supporter and a big fan of live music. I enjoy travelling to new countries and attending festivals, with favourite bands including The Stone Roses, Oasis, and DMA’s.
Gareth Morgan
Head of Cornerstone Capital
Gareth Morgan
Head of Cornerstone Capital
Jonathan Needham
Business Development Director
Jonathan Needham
Business Development Director
About
Jonathan leads the growth and development of Cornerstone’s Appointed Representative network, supporting firms and advisers nationwide to build sustainable, specialist businesses. With over 30 years’ experience in financial services, he’s passionate about helping advisers unlock new income streams through training, mentoring, and access to market-leading products.
Away from work, Jonathan’s focus is on family, fitness, and his ongoing “Road to Specialism” journey - building a network founded on community, expertise, and opportunity.
Andrew Needham
Business Development Manager
Andrew Needham
Business Development Manager
About
Starting my career 23 years ago at Royal Bank of Scotland, I’ve built a career rooted in trust and growth. As a Business Development Manager, I specialise in supporting financial advisers to expand their businesses, unlock new opportunities, and deliver exceptional value to their clients. My main passion is building relationships and witness people achieve their dreams.
A season ticket holder at Rotherham United and Manchester United, a proud family man.
Leon Nyabvure
Accounts Manager
Leon Nyabvure
Accounts Manager
About
An experienced accounting professional at Cornerstone Finance Group, holding a BA (Hons) in Accounting and Finance. I specialise in managing accounts payable and receivable, reconciliations, and financial reporting - providing the financial clarity and analysis that support informed strategic planning and decision-making within the business. I’m currently working towards furthering my qualifications with CIMA and plan to achieve this in the near future.
Outside of work, I’m a keen traveller - always chasing the sun and exploring destinations rich in culture and history. I’m a lifelong Manchester United supporter - recently stepped back from my club membership, but my passion remains strong despite the ups and downs. I enjoy spending time with friends and family, playing Tennis, and look forward to returning to district football league matches soon.
Loui O’Brien
Commercial Manager
Loui O’Brien
Commercial Manager
About
Loui brings over three years of experience supporting trading businesses and property investors with their financial requirements in his role as a Commercial Manager at Cornerstone Finance.
After graduating with a degree in Business Management from Cardiff University, Loui began his career in the logistics sector, completing a graduate scheme that laid the foundation for his professional development.
In March 2022, he transitioned into financial services, joining Cornerstone to pursue his interest in commercial finance. Since then, he has achieved his CII Level 3 Certificate in Mortgage Advice and has established himself as a specialist in delivering tailored financial solutions to a broad range of clients.
Sasha Plenty
Engagement Adviser
Sasha Plenty
Engagement Adviser
About
I enjoy engaging with advisers and being part of a team. I recently graduated from university with a 2:1 degree. In my spare time, I enjoy drawing and staying active.
Samuel Posejpal
Digital Transformation Executive
Samuel Posejpal
Digital Transformation Executive
About
A digital transformation executive with a background in marketing and computer science. With hands-on experience in marketing and data analytics Sam connects the dots between people, data, and technology.
Outside of work, he loves hiking, hitting the gym, and reading.
Ian Pottle
Senior Underwriter
Ian Pottle
Senior Underwriter
About
Ian spent 43 years at NatWest, where he served as a Commercial Manager overseeing a wide range of SME and corporate business portfolios. His roles also included Credit Underwriter, and during the 2008 financial crisis, he was instrumental in supporting stressed businesses. His final position at NatWest was as a Broker Development Manager, assisting commercial brokers with their clients’ funding requirements.
Ian joined Cornerstone in January 2020 and played a key role in supporting clients through the challenges of the COVID-19 pandemic. He now specialises in larger, complex funding deals for commercial owner-occupiers, commercial and residential investment, as well as management buyouts (MBOs), mergers, and acquisitions.
Nayanaa Prashar
Network Relationship Officer
Nayanaa Prashar
Network Relationship Officer
About
I’ve been with cornerstone for 2 and a half years. I enjoy the role is varied and there’s always something new to do. Born and raised in Slough, I moved to Cardiff for university and never looked back! In my free time, I enjoy playing cricket, reading, and learning languages.
Sharon Preddy
Customer Service Manager
Sharon Preddy
Customer Service Manager
About
Sharon brings over 42 years of financial services experience to her role as Commercial Support Officer. She joined Cornerstone in 2020 following a 33-year career at NatWest, where she held roles in both retail and business banking before moving into the merchant card services industry. Sharon also has experience running her own business and working for the Federation of Small Businesses.
Chris Preston
Head of Commercial Finance (Southwest)
Chris Preston
Head of Commercial Finance (Southwest)
About
Chris has 35 years’ experience leading, supporting, and advising SME and personal clients, gained through a distinguished career with NatWest and RBS. He most recently served as Regional Managing Director for the South West and Wales and was also Regional Board Chairman.
He has broad, hands-on experience across multiple sectors, including retail, leisure and hospitality, manufacturing, property development, and agriculture.
He is well connected and provides a valuable network and resource, offering independence, objectivity, and creativity to management teams and businesses.
Jamie Ringer
Sales Director
Jamie Ringer
Sales Director
About
Jamie is a dynamic sales director known for his strategic leadership, results-driven mindset, and ability to build high-performing teams. With over 12 years of experience in commercial finance industry, Jamie has led transformative initiatives across multiple sectors, consistently exceeding targets and driving sustainable growth.
Before transitioning into the corporate world, Jamie enjoyed a successful career as a professional rugby player. Representing Wales at every level including senior caps, he developed a deep understanding of teamwork, resilience, and performance under pressure - qualities that have become hallmarks of his leadership style in business.
Drawing from his time on the pitch, Jamie brings a unique blend of competitive spirit and strategic thinking to his sales leadership. He is passionate about mentoring others, fostering a winning culture, and aligning sales operations with long-term organizational goals.
Today, James continues to channel the discipline and focus that defined his rugby career into his role as a sales director, helping companies scale through innovation, customer-centric strategies, and agile sales execution.
Jon Roberts
Head of Real Estate
Jon Roberts
Head of Real Estate
About
Jon joined Cornerstone Finance in November 2024 as Head of Real Estate, following a successful 30-year career in commercial banking across Wales and the Midlands. For the past 15 years, he held specialist roles within the NatWest and Santander Real Estate teams in the Midlands, focusing on portfolio investment and development funding.
Simone Rosenstand
Commercial Manager
Simone Rosenstand
Commercial Manager
About
Simone Christina Rosenstand is a Specialist Finance Broker with expertise across bridging, development, BTL and HMO, commercial mortgages, as well as asset and invoice finance. After ten years as a science teacher, she progressed into roles as Business Development Manager and Operations Manager at a boutique finance brokerage. It was here that Simone honed her signature talent: transforming complex numbers, intricate structures, and chaotic deal scenarios into clear, confident decisions for her clients.
Known for her transparency, meticulous breakdown of every fee and option, and her calm approach even in the messiest transactions, Simone supports clients through challenging situations with equal parts structure, empathy, and humour. As a Danish national, she also enjoys helping foreign investors navigate the UK finance landscape with confidence and ease.
Alongside her brokering, Simone is active member of BNI in London and wider professional networks, while also producing video and written finance education content that help property investors and business owners navigate funding decisions with clarity and confidence. Her goal is to make finance feel more human, understandable and far less intimidating, to make sure people can make the right educated decision.
Lynn Ross
Commercial Manager
Lynn Ross
Commercial Manager
About
Lynn has over 39 years experience of Banking and Finance having worked for NatWest for the majority of her career. Most recently Lynn was the Business Growth Enabler for Plymouth & South Devon where she was responsible for running the successful NatWest Boost events and for providing entrepreneurial support for growth businesses.
Lynn is an experienced finance professional who is passionate about helping business owners make the most of their business helping them access the support they need to grow and thrive
Melanie Rowland
Head of Operations and HR
Melanie Rowland
Head of Operations and HR
About
An experienced leader in financial services with a background spanning retail, business, and commercial banking, leading both regional and national teams. Holds extensive experience in Six Sigma, Lean, and Agile methodologies, and was responsible for major process re-engineering at NatWest. Joined Cornerstone in January 2022 as part of the Commercial team before moving into the role of Head of Operations and HR.
Liam Schewitz
Commercial Manager
Liam Schewitz
Commercial Manager
About
Liam has worked in specialist and commercial lending and protection since 2005. He has carved a reputation in the short-term lending and commercial investment space, leading various organisations throughout his career. He brings all his experience across from his directorship of a firm undertaking regulated activities into the non regulated space, committing himself to delivering a tangible difference to his clients and introducers alike.
Outside of his working life, Liam enjoys sport, writing, comedy and running his community interest group "The Kindness Project" which purchases Christmas gifts for economically deprived children.
Lindsay Smith
Engagement Adviser
Lindsay Smith
Engagement Adviser
About
I’m originally from the Midlands and now based in Cardiff. In my role, I enjoy connecting with advisers and supporting them with their business needs. I hold an MA in PR and Communications, the DipFA, and for the past four years, I’ve been working in financial services.
Outside of work, I’m passionate about travel, reading, trying new experiences, meeting new people, and spending quality time with friends and family.
Patrick Smith
Engagement Adviser
Patrick Smith
Engagement Adviser
About
I have been an Engagement Advisor at Cornerstone since April 2025, and my favourite part of the role is speaking with advisers across the network. I was born and raised in Birmingham but recently moved to Cardiff to pursue my career after completing my studies at Cardiff University. In my free time, I enjoy watching football – even though my team loses every week.
Haydn Thomas
Chief Executive Officer
Haydn Thomas
Chief Executive Officer
About
With over 25 years’ experience in financial services, including senior roles at NatWest/RBS, Haydn now leads the strategic plan of the Group and oversees the growth of The Cornerstone Network, which now supports around 250 Mortgage and Protection Advisers. He is known for building strong client relationships and high-performing teams.
Jake Thomas
Commercial Manager
Jake Thomas
Commercial Manager
About
Jake joined Cornerstone in August 2024 as part of the Compliance team, where he developed a solid understanding of regulatory frameworks and industry practices. He holds a degree in Business Management from Cardiff Metropolitan University and began his career at Cornerstone immediately after completing his studies.
After 8 months, Jake transitioned to the Commercial team and now works as a Commercial Manager. In this role, he is focused on supporting clients with tailored financial solutions, including commercial mortgages and alternative funding options.
Michelle Sweetman Toledo
Engagement Adviser
Michelle Sweetman Toledo
Engagement Adviser
About
I have been an Engagement advisor at Cornerstone since September 2024, and I enjoy chatting with all the advisors within my role. I have a degree in Philosophy. I love going on holiday and in my free time I enjoy Ice skating, shopping, and going out for food.
Assiya Touzani
Marketing Executive
Assiya Touzani
Marketing Executive
About
Moroccan-born and trilingual (Arabic, English, and French). I hold a bachelor’s degree in International Management and a master’s in Digital Marketing. I joined Cornerstone in 2022 to lead our marketing efforts and ensure our brand truly shines.
Cameron Wilkes
Engagement Adviser
Cameron Wilkes
Engagement Adviser
Erin Williams
Accounts Assistant
Erin Williams
Accounts Assistant
Chris Wilson
Finance & Performance Manager
Chris Wilson
Finance & Performance Manager
About
An accountant with 10 years’ experience in finance and accounting across multiple industries, supported by qualifications including AAT, a BA (Hons) in Business, and the CIMA Diploma in Management Accounting. During this time, I’ve built a strong foundation in management accounting, business analysis, and planning.
A big football fan, I coincidentally began my career around the same time as Manchester United’s decline, building resilience and loyalty in both! Outside of work, I also enjoy travelling, running, and trying new experiences.
Roger Wood
Underwriter
Roger Wood
Underwriter