After many years in senior management across the Financial Services industry, Malcolm is a well-respected expert in the field of Pensions and Investments policy. He holds a number of high-profile posts including Senior Adviser, Financial Services Policy at the Institute of Directors (IoD), and Non-Executive Director at B&CE Insurance Company Limited, providers of The People’s Pension. He has previously been Chair of the influential Investment and Life Assurance Group (ILAG) and was recently Policy Director at TISA. Malcolm is a frequent speaker and author on industry topics and is Founder of The-Pensions-Net-Work (TPNW). He leads a number of pan-industry initiatives, aimed at improving both consumer outcomes and industry efficiency.