Catherine Routh is the General Manager of the Credit Information Governance Body (CIGB), a self-regulatory organisation established to enhance governance, transparency, and effectiveness in the UK credit information market. The CIGB was formed in response to the Financial Conduct Authority’s Credit Information Market Study to create a more inclusive and accountable framework for industry governance.

In her role as General Manager, Catherine leads the CIGB’s senior management team, working closely with the Chairman and wider stakeholders to deliver on the organisation’s strategic objectives and drive key initiatives aimed at improving outcomes for both consumers and industry participants. She plays a central part in overseeing the development and implementation of governance structures, industry engagement, and operational planning during the CIGB’s formative stage.

Catherine brings a breadth of leadership experience in financial services and governance. Her role at CIGB positions her at the forefront of shaping how credit information is governed and utilised across the UK market.

John Reynolds is a risk and regulatory transformation professional with over 25 years’ experience delivering complex risk, regulatory, and business change across the financial services sector. He is currently serving as Interim Director of Audit, Risk and Compliance for Lantern Group, where he supports the responsible adoption of AI within a regulated business environment.

A trusted advisor to executive and board-level stakeholders, John specialises in translating evolving regulatory expectations into practical, commercially viable, customer centric solutions. His expertise spans Consumer Duty, vulnerable customers, conduct risk, product governance, and regulatory remediation, alongside emerging areas such as AI-enabled compliance and RegTech innovation.

Drawing on a career that includes senior roles in Big 4 consulting and across industry, he has led large-scale transformation programmes and advised firms on how to harness technology while maintaining strong governance, ethical standards, and regulatory alignment. His work focuses on ensuring innovation, particularly in AI, delivers measurable value while strengthening customer outcomes and organisational trust.

Andrew Thomsen is Group Manager of the ICO’s Competition and Regulatory Cooperation team. This team focuses on policy development in areas where the ICO’s remit interacts with other regulatory regimes, such as digital regulation (including through the Digital Regulation Cooperation Forum), competition and financial services. Through this cooperation, the ICO seeks to maximise its regulatory effectiveness and ensure that data protection regulation is empowering both businesses and people to use information effectively.

As Chief Executive, Jason is responsible for shaping the Association’s strategic direction and representing members at the highest levels of government, regulatory bodies, and industry forums. Jason also works closely with his team to provide advice and guidance, ensuring the Association remains responsive to lenders’ needs.

Jason has over twenty years of experience in risk, communications and public policy. He began his career as an assistant in the European Parliament and has held senior roles in in-house and consultancies.

His background spans the public sector, housing, infrastructure planning, and financial services. Some of this time was focused on working with the government on national risk and crisis management, including planning work on utility failure, pandemics and terrorism.

Matthew is the Director of Technology Solutions at Square 4. Matthew is currently helping firms to navigate the evolving technology landscape by identifying and implementing innovative AI solutions that drive efficiency and competitive advantage. He partners closely with clients to design tailored strategies that seamlessly integrate advanced technologies into their operations and service offerings. He specialises in regulatory risk and conduct regulation; and is a Fellow of the International Compliance Association (ICA) and is a member of the Chartered Institute for Securities & Investment (CISI).

With over 30 years in financial services – including roles as a financial adviser, mortgage broker, and six years at the Financial Ombudsman Service – he has built a broad understanding of how regulation shapes real outcomes for customers and businesses alike.

After eight years at the Financial Conduct Authority working across retail lending supervision including mortgages, motor finance, credit card, and personal loans, he has developed a solid grounding in how firms operate, where things can go wrong, and how to work constructively with businesses to put things right.

He now works at GAIN Credit, helping teams navigate the evolving regulatory landscape around AI, data ethics, and financial innovation. Working closely with product, compliance, and technology colleagues, he aims to make regulatory and ethical considerations to drive positive customer outcomes both practical and accessible, rather than a barrier to progress. He believes good outcomes are best achieved through collaboration, honest conversation, and keeping the customer at the heart of every decision.

Neil started his career at Lloyds Banking Group, where he helped to establish their specialist mortgage brand as the market leader. Later, he joined the direct-to-consumer insurance company HomeServe before transitioning to credit reference agencies. For fifteen years, he held various product and consultancy roles at Experian and Equifax, working on credit and identity initiatives. Currently, Neil is the Head of Credit Risk Strategy for Lexis Nexis Risk Solutions in the UK&I. He is a passionate advocate of fair finance and believes that the credit industry can be a force for positive change in people’s lives.

Will Mason is CEO and Founder of Infact, the UK’s first new Closed User Group credit bureau in over 25 years. With over 15 years across credit reference agencies, open banking, and consumer fintech – including a decade helping build what became Experian’s open banking infrastructure and senior leadership at Experian itself – Will has seen the credit information market from every angle: bureau, lender, and challenger. He founded Infact on the conviction that the incumbent bureau model is structurally ill-equipped for a market increasingly shaped by customers’ real-time interactions with finance. At Infact, he leads the build of an API-first, real-time credit bureau bringing together credit risk decisioning, affordability assessment, and fraud and identity verification to give lenders the data infrastructure they need to lend responsibly and expand access to credit.