Ben Arram

Managing Consultant

Ben is a managing consultant in Bovill’s Capital Markets practice providing specialist advice and support to payment services and e-money clients as well as banking, broking, trading and financial market infrastructure (FMI) firms. He regularly assists clients with authorisations, registrations and a broad range of compliance, and regulatory matters and helps clients navigate and comply with a range of regulatory regimes including the PSRs, EMRs and PSD2; IFPR; CSDR; SFTR and SMCR. Ben also has specific expertise and interests in prudential regulation, risk management and operational resilience, crowdfunding and peer-to-peer (P2P) lending and the development and implementation of Remuneration Code policies.

Ben has over 15 years of experience working with top and mid-tier global financial services firms having previously held positions spanning regulatory finance, regulatory reporting, strategic capital management and risk, in both retail and wholesale banking. Before joining Bovill, Ben was a Senior Manager at Lloyds Banking Group specialising in capital management and optimisation across a full range of consumer lending products including mortgages, unsecured lending, revolving credit and motor financing. Ben has also held roles at Standard Bank, Bank of America Merrill Lynch, RBS, and Barclays Investment Bank, having worked extensively on Internal Capital Adequacy Assessment Processes (ICAAPs), Recovery and Resolution Planning and Pillar 3 disclosures.

Ben graduated from Manchester University in 1999 with a Masters in Electronic Engineering and is also a chartered accountant and a Fellow of the Institute of Chartered Accountants in England and Wales (ICAEW).

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