27 June 2017

Time: 9:45am – 4:30pm
Venue: ILEC Conference Centre, London
Price: £195 (VAT exempt) members
£195 (VAT exempt) associates
£250 (VAT exempt) non-members
Book now
MortgageTech UK 2017

About this event

Having a robust, forward-thinking and customer-focused digital strategy is fast becoming one of the most important considerations for lenders, but how can we ensure that we're getting it right and remain compliant?

This one-day event supported by headline sponsors Countrywide Surveying Services and Landmark Valuation Services will explore the myriad issues surrounding technology in the mortgage market, looking at the advantages and potential pitfalls, best practice and showcasing the latest FinTech advances.

  • How are advances in technology affecting the mortgage market?
  • What do customers expect from their mortgage providers?
  • How do you ensure your digital strategy works with UK mortgage regulation?
  • Why do we need more technology – is it a solution looking for a problem?
  • How do you integrate new technology into existing systems?
  • How do you mitigate the risk of fraud?
  • What progress is being made in FinTech in other industries?
  • Which solutions are working for lenders?
  • How is technology being integrated into successful marketing strategies?

Find answers to all these questions and many more, whilst enjoying the opportunity to network with like-minded industry peers.

Topics include:

  • Enhancing customer experience
  • Open and mobile banking
  • Systems and software integration
  • Artificial Intelligence (AI) and robo-advice
  • Customer behaviour and big data
  • Sales, marketing and distribution
  • Cyber resilience, fraud and data protection
  • Advice and regulation

See the full programme for this event.

This event is aimed at:

Anyone involved in digital strategy for mortgages, including technology teams, business development, products and product development, marketing, sales and distribution, compliance, customer experience, commercial, transformation and operations.

Feedback from the CML's 2016 digital innovation conference:

"I truly never thought I would leave the day so inspired and excited about the future. Made some great contacts that will help my business plan for the future. A great event and thank you!"

"An excellent benchmark to understand the current state of technology thinking in the mortgage market"

"Very good session and diverse agenda"

"An excellent event to be at, all the presentations were relevant to where lenders and the industry want to be in terms of technology"

"Excellent event with thought provoking and lively content"

"Really interesting. Really broad too. All about digital in an applied, real world sense"

"Very cutting edge and eye opening!"


CML member & associate rate: £195 (VAT exempt)
Non-member rate: £250 (VAT exempt)

**This event is closed to press**

Book now


0845 - 0945


Registration and refreshments

0945 - 0955


Welcome and introduction
Sue Rossiter, Senior Policy Adviser, Council of Mortgage Lenders

0955 - 1025


The changing face of residential surveying and valuations
Chris Bolam, Head of Product, Landmark Valuation Services
Matthew Cumber, ‎Director of Field Operations, Countrywide Surveying Services

  • Aligning resources to lenders’ risk profiles;
  • Multi-channel valuation technologies;
  • Desktop valuations and AVMs and the role of automation; and
  • Fraud prevention and risk management 
1025 - 1050  

Digital change and mortgage borrowers research findings
Stirling Bookallil, Credit Practice Lead UK & Ireland, Accenture

  • How digital technologies are transforming the customer's mortgage experience
  • How digital technologies have been adopted across global markets, beyond the UK
1050 - 1120  


1120 - 1230  

Stream sessions

Welcome &

(1120 - 1150)









(1150 - 1210)




(1210 - 1230)






1230 - 1330


(1330 - 1350)





(1350 - 1420)



(1420 - 1440)


(1440 - 1500)

Room 1: Customer experience Room 2: Cyber resilience Room 3: Systems and software

Chair: Speaker tbc, LMS

 Chair: tbc

Chair: Joe Pepper, Managing Director, EDM              

Shining a light on the conveyancing experience
Nick Chadbourne, Chief Operating Officer, LMS

  • What do customers expect from the process of re-mortgaging or home moving?
  • How does the lender supply chain work effectively to provide a joined up customer experience?
  • What is the customer experience of the conveyancing process and how has this changed in recent years?                

Current legal trends and case studies 
Georgina Squire, Partner, Rosling King LLP





The art of the possible
Spencer Wyer, Group Chief Technology Officer, EDM

  • Focusing on future trends in technology and the impact on the mortgage market    

Joining the dots
Richard Bretherton, Chairman, Ochresoft Technologies Limited

Profile of a fraudster
Graham Cochran, Director of Forensic Team, KPMG


How data and technology is transforming workplace practise at Nationwide Building Society
Rob Stevens, Head of Property Risk, Nationwide

Mortgage Transformation - a case study
Paul Howley, Head of Shared Services, YBS

Latest findings of the global information security survey
James Turpie, Senior Manager, Advisory Services, EMEIA Financial Services, EY

Understanding the implications of location
Gill Dickson, Sales Manager and Strategic Alliances, Airbus Defence and Space     

  • Perils risk assessment
  • Geographic concentration of portfolios
  • Visualisation of contextual information
Room 1: Customer Experience Room 2: Sales, distribution and marketing

Systems and software

Chair: Speaker tbc, LMS

Chair: Henry Woodcock, Principal Mortgage Consultant, IRESS

Chair: Joe Pepper, Managing Director, EDM

Vulnerability and technology
Chris Fitch, Vulnerability Lead, Money Advice Trust

How data can help you have the right conversations with the right people
Nick Wakeham, Senior Relationship Manager, Strategic Insight


Lender case study
Maria Harris, Director of Retail Mortgages, Atom Bank

Technology advances - Walking in the customers shoes

Sarah Green – Director, Business Development – Mortgages, Savings and Unsecured, Sutherland

Simon Herd, Director of Design Research, Sutherland

How technology is changing the broker market
Ishaan Malhi, Chief Executive Officer, Trussle

Block chain
Amit Bajaj, Head of Fintech and Innovation Products, Infosys

E-mortgage and e-signatures

Andy Graham, Senior Product Manager, Land Registry

Digital transformation is a journey, not a destination
Henry Woodcock, Principal Mortgage Consultant, IRESS

Peer to peer lending
Julian Cork, Chief Operating Officer, Landbay

What does open banking mean for customers? 

Digital Outcomes Testing

David Mackay, Manager - Regulatory Advisory, EY

  • Digitally monitoring KRIs can provide management real time data
  • Ability to be agile in decision making and actions resulting in fair outcomes for customers

Mortgage Innovation outside the UK? Case study



1500 - 1530




1530 - 1550  

Antony Jenkins, Executive Chairman, 10x Banking

1550 - 1620  

Realising the benefits of RegTech
Jonathan Drechsler, Head of Business Development, Recordsure

1620 - 1630  

Chair closing remarks



Chair: Sue Rossiter

Senior Policy Adviser, Council of Mortgage Lenders

Sue Rossiter has more than 15 years’ experience of regulatory policy development as both a civil servant and in a trade association setting. She joined the CML as a Senior Policy Adviser in November 2015. Drawing on her experience working in organisations including the Financial Ombudsman Service; OFGEM; the Office of the Rail Regulator; and the Remote Gambling Association, Sue specialises in conduct regulation at the CML.




Chair: Sales, distribution and marketing stream - Henry Woodcock

Principal Mortgage Consultant, IRESS

Henry Woodcock has worked for nearly 30 years in the mortgage market both as a lender and as a solutions vendor.

Henry has implemented mortgage solutions across a variety of retail finance companies including Barclays Bank, Britannia Building Society, Co-operative Bank, Intelligent Finance, Mortgage Express, Nationwide Building Society, Nottingham Building Society and Royal Bank of Scotland. He has also provided consultancy to lenders in Europe, Africa and Australia.

Today he engages with clients and lenders looking at the challenges of regulation, process improvement and innovation. Henry is the mortgage lending spokesperson for IRESS and writes regular blogs and articles for the press and online journals as well as speaking at industry events.

Chair: Systems and software stream - Joe Pepper

Managing Director, EDM

Joe Pepper has been providing outsourced technology-led solutions to the financial services industry for almost 20-years, and has in the last three years focused exclusively on the mortgage market in his role as Managing Director of EDM Mortgage Support Services. In recent years his role has included automating a range of back-office processes for a leading UK lender and launching the EDM PRISM product to support better property risk decision-making.  Joe writes regular articles in the UK mortgage press on how technology can be deployed to benefit both lenders and borrowers alike.




Keynote: Antony Jenkins

Executive Chairman, 10x Banking

Antony Jenkins is a business leader and entrepreneur, who is passionate about the transformative power of technology to create a more diverse, open and fair banking system for all.  He is Founder and Executive Chair of 10x Future Technologies Ltd, a company that promises to redefine how banks operate and engage with customers.  Antony’s focus on driving innovation in the digital economy also extends to his role as Group Chairman of Currencies Direct, the leading UK non-bank provider of foreign exchange and international payment services and his role as board member of Blockchain, the world’s leading software platform for digital assets. 

Antony is a strong believer in the need for businesses to support the future workforce to acquire the right skills to thrive in the digital era; his commitment to mobilising ethical and responsible business practices is recognised in his role as Chairman of Business in the Community, the Prince of Wales’ flagship charity, and Chair of the Institute for Apprenticeships, a new organisation established to promote three million high quality apprenticeships by 2020.

He was previously the Group Chief Executive of Barclays plc for three years until July 2015, successfully positioning the bank as a leader in customer-facing technology under his tenure. 

Antony holds an MA for the University of Oxford and an MBA from Cranfield.

Amit Bajaj

Head of Fintech and Innovation Products, Infosys

Amit Bajaj has worked for close to 20 years in architecting and delivering technology led business solutions for the financial services industry as an advisor, solutions consultant and change leader.

Amit currently leads the Fintech and Innovation suite of cloud based products and solutions, and engages with clients on creating innovative solutions covering Artificial Intelligence, Blockchain, and other emerging technologies; Intelligent lending origination and smart servicing, KYC and Identity Management, Automated Decisioning, International Payments, to name a few.

Amit has implemented several flagship initiatives across Lending, KYC, Credit Portfolio Management, Risk and Treasury for large retail and institutional banks, leading global teams of more than 200 professionals.

Chris Bolam

Head of Product, Landmark Valuation Services

Chris Bolam is an experienced digital product development specialist. Chris joined Landmark Valuation Services (formerly Quest) in June 2016 as Head of Product, having previously worked at Amazon, and Vodafone in digital product management positions. Chris is responsible for product strategy, development and is leading a transformation programme, which is part of a multi-million pound internal investment in Landmark’s mortgage valuation products and services.





Stirling Bookallil

Credit Practice Lead UK & Ireland, Accenture

Stirling Bookallil is a Managing Director in Accenture’s Financial Services Banking practice and leads Accenture’s Credit Services for UK/I.






Richard Bretherton

Chairman, Ochresoft Technologies Limited

Nick Chadbourne

Chief Operating Officer, LMS

Graham Cochran

Director of Forensic Team, KPMG

Julian Cork

Chief Operating Officer , Landbay

Julian Cork is Chief Operating Officer and board member of Landbay where he oversees all operational aspects of the business, including Financial Conduct Authority regulation. Prior to Landbay, Julian held executive roles at JPMorgan and Macquarie Group in New York, London, Tokyo and Sydney. Julian is also a non-executive director of Bud Financial and sits on various advisory boards in the wider fintech space.

Matthew Cumber

Director of Field Operations, Countrywide Surveying Services

Gill Dickson

Sales Manager and Strategic Alliances, Airbus Defence and Space

Gill Dickson is a business development manager in Airbus DS Intelligence programme line, with a long track record in the promotion of emerging technology and disruptive business models. Gill has worked with the insurance and mortgage lending markets to provide business intelligence for perils risk assessment and claims management.






Jonathan Drechsler

Head of Business Development, Recordsure

Jonathan Drechsler has over ten years of experience in financial services, managing client relationships for both service and technology solutions. He joined Recordsure with a proven track record of delivering quality customer experience to a large number of banks and insurers, including five years at PwC where he led the regional financial services business development team.

Chris Fitch

Vulnerability Lead, Money Advice Trust

Chris Fitch leads a programme of research and training on the relationship between financial difficulties, mental health problems, and other forms of vulnerability. This programme has a particular focus on providing professionals from different sectors with the tools and skills needed to realistically work with individuals reporting these problems (






Andy Graham

Senior Product Manager, Land Registry

Sarah Green

Director, Business Development – Mortgages, Savings and Unsecured, Sutherland

Sarah Green has 17 years' third party mortgage servicing experience. She has worked at Sutherland for the last year and prior to this in business development at Capita Mortgage Services. She also spent 13 years at Homeloan Management Ltd (now Computershare), in business development and various operation roles. Sarah is a Green Belt in Lean Sigma, has completed CeMap paper 2,  a Diploma in Management and a Certificate in Outsourcing Practice. 







Maria Harris

Director of Retail Mortgages, Atom Bank

Maria Harris is the Director of Retail Mortgages at Atom Bank. Responsible for all things mortgages, Maria is building a new brand from the ground up to engage and attract customers to a lending proposition designed solely for digital.  With over 20 years’ experience in management, Maria has held roles across a number of sectors including travel, utilities and financial services.  Before moving to Atom Bank, Maria was Sales Director at Engage Mutual, responsible for leading the sales teams through a merger to become One Family.  Prior to that, she held senior roles in the intermediary sector as Head of Intermediary for Bank of Scotland/Intelligent Finance, Head of National Accounts with Lloyds Banking Group then helping Leeds Building Society through Mortgage Market Review.

Simon Herd

Director of Design Research, Sutherland

Simon Herd is a worldwide expert when it comes to customer experience. He was the co-founder of the UXalliance and leading engagements across the media, finance, government and telecoms sectors. His two decades of experience have seen him create and refine a range of digital services, map countless customer journeys for existing services and deepen understanding of user needs for revolutionary new ones. 

Paul Howley

Head of Shared Services, YBS

Paul Howley joined YBS in 2014 as Head of Shared Services. He is sponsor of the transformation programme for mortgage customer and broker experience.   Prior to joining YBS, Paul had a variety of roles in Operations, IT and Change Management within Financial Services, Utilities, Airlines and Consulting.






David Mackay

Manager - Regulatory Advisory, EY 

Ishaan Malhi

Chief Executive Officer, Trussle

Ishaan Malhi founded Trussle in August 2015 and is Chief Executive Officer. Ishaan was previously a Mortgages and Real Estate Analyst at Bank Of America Merrill Lynch, and Entrepreneur in Residence at Playfair Capital where he worked with and invested in early-stage tech companies.







Georgina Squire

Head of Dispute Resolution, Rosling King LLP

Georgina Squire is head of dispute resolution at Rosling King LLP.  She is a committee member of the London Solicitors Litigation Association (LSLA).  She is also a member of the City of London Solicitors’ Association, amongst other organisations. 



Rob Stevens

Head of Property Risk, Nationwide

James Turpie

Senior Manager, Advisory Services, EMEIA Financial Services, EY

James Turpie joined EY’s Advisory Services in 2010. James is responsible for Cyber solutions in regions and has delivered high profile engagement in the UK and Europe. James has been working in Security solutions for over 20 years. He regularly presents at Industry events and hosts a Security client Roundtable.







Nick Wakeham

Senior Relationship Manager, Strategic Insight

Nick Wakeham has over a decade of working within the mortgage industry.  Firstly as Commercial Director with the intermediary titles Mortgage Strategy and Money Marketing, providing bespoke advertising and research solutions.  Now at Mortgage Clarity Nick helps CML members unlock the opportunities open to them by combining mortgage sales data with broker data to create effective and efficient sales, distribution and marketing strategies.





Spencer Wyer

Global Chief Technology Officer, EDM

Spencer Wyer is responsible for architecting EDM’s Axis platform which integrates leading edge; Digital Mailroom, Intelligent Capture, Content Management, Business Process, Enterprise Search, Smart Data and Output Management technologies as a single end to end platform as a service. In the mortgage market Spencer is the executive sponsor of EDM PRISM, EDM’s property risk hub helping to automate the mortgage process.

Headline sponsorship

Countrywide Surveying Services

Countrywide Surveying Services has continued to grow and now undertakes 30 per cent of all surveys in the UK. It is home to over 450 employed surveyors, making it the largest firm in the market. In addition it recently won Best Survey Provider in the 2016 What Mortgage Awards.


Landmark Valuation Services

Landmark Valuation Services logo

Landmark Valuation Services (formerly Landmark Quest) offers a comprehensive suite of products which cover all aspects of property valuation for Lenders, Surveyors, and Surveyor Panel Managers.

Landmark Valuation Services technology has been securely, reliably and successfully facilitating the valuation of UK residential property since 1982.

Its Secure Panel Network (SPN) provides the reliable data backbone that has underpinned the mortgage valuation industry for decades. In addition, its integrated portfolio of products includes the Valuation Risk Management solution; the award-winning Q-Guard risk management and fraud detection tool; plus the popular Q-Mobile software, which has won several awards for delivering efficiencies to the residential surveying sector. 

To find out more, view Landmark's VRM video here.


Stream sponsors

EDM Mortgage Support Services

EDM logo

EDM Mortgage Support Services supports UK lenders in their journey to the digital future. EDM software products automate processes and help more than 25 UK lenders securely exchange data with other UK mortgage market participants including valuation professionals, conveyancers, brokers, receivers and data providers. To discover how EDM PRISM is helping a leading UK lender give customers a Decision in Principle on UK properties in less than a minute watch our short video.



LMS is the UK’s pre-eminent provider of conveyancing panel management services with over 25 years’ experience delivering the highest quality bespoke services to meet the unique needs of each of our clients.

LMS specialises in providing this full suite of conveyancing services to some of the UK’s largest national mortgage lenders as well as key intermediary referrers and each year, LMS manage over 150,000 transactions. LMS sets the benchmark by which the market is measured.


Mortgage Clarity

Logo for Mortgage Clarity

Mortgage Clarity is an industry wide PSD (Product Sales Data) Aggregator which allows unparalleled insight into your company’s performance against 97% of the UK mortgage market constituted by CML member organisations. Everything from interrogating your sales channels, with broker by broker breakdowns, through to benchmarking your own average LTV rates by region can be conducted in a simple, visual and accessible manner.



Capita Mortgage Software Solutions

Capita Mortgage Software Solutions (CMSS) is a leading provider to the financial services industry, covering the whole lifecycle of a loan. Their mortgage and loan origination and servicing software is designed to optimise your business, providing smarter technology, greater efficiency and better customer outcomes. They build a solution that meets your needs.


DPR Consulting and NIU Solutions

DPR Consulting is a leading provider of origination and servicing solutions for mortgages, loans and savings, delivering high levels of process efficiency and regulatory compliance.


Niu Solutions delivers and manages bespoke, compliant-ready IT solutions to the banking and lending industry.


Registers of Scotland

Registers of Scotland (RoS) is the government department responsible for compiling and maintaining registers relating to land, property and other legal documents in Scotland.

RoS are committed to being a digital-first organisation by 2020, and have recently introduced the Digital Discharge Service, which dramatically increases efficiency in the mortgage security discharge process.




To discuss these, or any other sponsorship options for this event, please contact




ILEC Conference Centre

47 Lillie Road

Nearest train stations:

West Brompton (District Line and Overground) - 2 mins walk

Earls Court (District and Piccadilly Lines) - 8 mins walk

Venue website


ILEC is a quarter of a mile (400m) from the A4, providing easy access to the M4, M5 and M40.


Please note, that this is a Central London location so parking is limited and relatively high-cost. There is a car park in the basement of the hotel with 140 parking bays, but delegate parking cannot be guaranteed.

Contact us

Laura Marshall

Telephone: 08453736771

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