John Higgins is a UK based Managing Director with over twenty five years of advisory and consulting experience in performance improvement, risk management, compliance, people and change, and major programs and projects, including 10 years as a PwC partner. Wide experience in highly regulated industries including 8 years within financial services. International investigation, remediation and insolvency experience. Working knowledge of and relationships with various regulators and enforcement agencies. John’s financial services experience includes global investment banking, retail banking and insurance, and his subject matter expertise includes client assets (cash and securities), treasury, asset custody and asset servicing, UK Bribery Act, US FCPA, AML / KYC, fraud, sanctions and export controls, program and project management, change management, and learning and development. As a PwC partner working on the Lehman’s Administration, John had operational responsibilities including treasury, asset custody and asset servicing, and compliance with CASS rules and reporting under SUP16.14. John led governance, process and systems enhancements including implementation from initial design through to problem-free go live of a complete replacement for the legacy mainframe custody system in a 9 month window. John worked with the Board, Chief Compliance Officer and General Counsel of a large highly exposed multinational to advise on compliance governance, compliance strategy, and compliance program design and implementation. This was followed by a separate appointment to provide independent review services in relation to the design and implementation of the program. John has regularly led Board and senior executive workshops focused on governance, risk, regulation and compliance for international clients, represented his firm at the WEF Partnership Against Corruption Initiative and has regularly written and presented on regulatory and compliance matters in the UK and Internationally.