Our Ombudsmen make final decisions in cases where we can’t resolve a consumer’s complaint about a business more informally. If someone who has made a complaint accepts an Ombudsman’s final decision, the business involved has to do what the decision says. Find out more about how we make decisions.

Appointments to the panel of Ombudsmen are made under paragraphs 4 and 5 of schedule 17 of the Financial Services and Markets Act 2000. Our Chairman and Board of Directors are responsible for appointing our Ombudsmen. Find out more about how our service is governed.

Last updated: 29 May 2024

Chief Ombudsman

Abby Thomas

Chief Executive and Chief Ombudsman

Appointed October 2022

Career history

  • Director of Strategy Marketing and Transformation, Virgin Media O2
  • Executive Customer Director, Virgin Media O2
  • Global Head of Customer Operations, Vodafone Business 
  • Transformation Director, BT

Deputy Chief Ombudsman

James Dipple-Johnstone

Deputy Chief Ombudsman

Appointed October 2022

Career history

  • Deputy Commissioner and Chief Regulating Officer, Information Commissioners Office
  • Director of Investigation and Supervision, Solicitor’s Regulation Authority
  • Operations Director, Parliamentary and Health Service Ombudsman
  • Commissioner, North West England Police Forces

Senior Ombudsmen

Richard West

Director of Casework Policy

Appointed December 2022

Career history

  • Lead Ombudsman, Financial Ombudsman Service
  • Ombudsman, Financial Ombudsman Service
  • Adjudicator, Financial Ombudsman Service
  • Solicitor, Private Practice

Pat Hurley

Ombudsman Director

Appointed December 2022

Career history

  • Lead Ombudsman and Director of Casework, Financial Ombudsman Service
  • Director of Casework, Financial Ombudsman Service
  • Head of Casework Teams, Financial Ombudsman Service
  • Manager, Paralegal Firm

Rachel Lam

Ombudsman Director

Appointed January 2023

Career history

  • Ombudsman Leader, Financial Ombudsman Service
  • Head of Casework Operations (new services), Financial Ombudsman Service
  • Head of Casework teams (mortgages), Financial Ombudsman Service
  • Social Fund Manager, London and the South East, Jobcentre Plus, DWP

Clare Mortimer

Ombudsman Leader

Appointed April 2014

Career history

  • Ombudsman, Financial Ombudsman Service
  • Casework Manager, Financial Ombudsman Service
  • Deputy Complaints Manager, Office of the Banking Ombudsman

Vivienne Kelly

Ombudsman Director

Appointed January 2023

Career history

  • Head of Customer Service, Shell Energy
  • General Manager, Capita Customer Management
  • Senior Client Relationship Manager, Equidebt Limited
  • Senior Manager, Collections Operations, Black Horse Finance

  • Head of Customer Service,  Lloyds TSB Autolease

Our Ombudsmen in alphabetical order

Nimish Patel

Ombudsman

Appointed March 2012

Career history

  • Adjudicator, Financial Ombudsman Service
  • Legal Caseworker, UnumProvident
  • Business systems & Quality Manager, Pro-chem Europe Ltd

Nimisha Radia

Ombudsman

Appointed May 2016

Career history

  • Head of Casework Teams, Financial Ombudsman Service
  • Team Manager, Financial Ombudsman Service
  • Adjudicator, Financial Ombudsman Service

Nina Walter

Ombudsman

Appointed January 2015

Career history

  • Head of Passport and Visa Section, German Embassy, London
  • Deputy Head of Legal and Consular Department, German Embassy, Tel Aviv
  • Head of Passport and Visa Section, German Embassy, Tel Aviv

Oyetola Oduola

Ombudsman

Appointed April 2017

Career history

  • Executive Adviser, Financial Ombudsman Service
  • Adjudicator, Financial Ombudsman Service
  • Paralegal, Lonsdale and Mayall solicitors

Patricia O’Leary

Ombudsman

Appointed September 2017

Career history

  • Civil Litigation Solicitor, Stephens & Sons Solicitors
  • Senior Consultant, Diligent Law
  • Solicitor, O H Parson

Paul Blower

Ombudsman

Appointed June 2021

Career history

  • Senior Investigator, Financial Ombudsman Service
  • Investigator, Financial Ombudsman Service
  • Adjudicator, Financial Ombudsman Service

Paul Clarke

Ombudsman

Appointed June 2021

Career history

  • Senior Investigator, Financial Ombudsman Service
  • Investigator, Financial Ombudsman Service
  • Adjudicator, Financial Ombudsman Service

Paul Cooper

Ombudsman

Appointed November 2020

Career history

  • Senior Complaints Investigator, James Hay Partnership
  • Senior Complaints Investigator, Santander UK
  • Complaints Quality Assurance, Santander UK 

Paul Cronin

Ombudsman

Appointed October 2020

Career history

  • Financial Advisor, Lloyds TSB
  • Complaints Resolution Manager, NatWest
  • Complaints Team Manager, NatWest 

Paul Daniel

Ombudsman

Appointed January 2009

Career history

  • Team Manager, Financial Ombudsman Service
  • Adjudicator, Financial Ombudsman Service

Paul Douglas

Ombudsman

Appointed September 2022

Career history

  • Head of Guidance Services, Money & Pensions Service
  • Complaints & Investigations Lead, NHS Resolution
  • Director, Financial Ombudsman Service

Paul Featherstone

Ombudsman

Appointed February 2012

Career history

  • Senior Associate, Financial Services Authority
  • Adjudicator, Financial Ombudsman Service

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