Joy Warner

Joy Warner is an experienced professional in risk and compliance, currently serving as the Director of Risk and Compliance at Pepper (UK) Limited since August 2013. Warner successfully established the Compliance, Financial Crime, and Risk Departments, developing frameworks, policies, and procedures while recruiting the team. Warner holds SMFs 3, 4, 10, and 16 and leads initiatives to ensure business compliance with legislation and regulations. Previous roles include Head of Compliance at Engage Credit Limited, where Warner developed compliance strategies, and Internal Audit Manager at The Beacon Group, responsible for creating the Internal Audit function. Additional experience spans various compliance and audit roles at GE Money Home Lending, Abbey, and First National Bank PLC, contributing to comprehensive risk management and regulatory adherence throughout the career.