Simon's focus is the regulation and risk management of the distribution and management of retail financial services products. Products he has worked extensively with include mortgages, consumer credit, general insurance, investment products, ATMs and payments. His work covers the distribution of the products either directly or via intermediaries, product design and sales process, underwriting and affordability assessment, post sale management including arrears, collections and complaints handling. Projects he has led include authoriser of banks, sales reviews, justifying fees, affordability assessments, files reviews, PBRs, remediation, and More than a dozen S166 investigations. He is on the FCAs S166 panel and has acted as an expert, including appearing in court on a number of occasions.