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: 3 July 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

Warren Wilson

Ombudsman

Appointed September 2017

Career history

  • Team Manager, Financial Ombudsman Service
  • Adjudicator, Financial Ombudsman Service
  • Mortgage Underwriter, Victoria Mortgages and Platform Home Loans

Wendy Steele

Ombudsman

Appointed February 2017

Career history

  • Operational Manager, Gateway Debt Advice & Money Education
  • Specialist Caseworker, Pension Wise
  • Regional Manager (Customer Experience), Lloyds Banking Group

Will Culley

Ombudsman

Appointed January 2017

Career history

  • Adjudicator, Financial Ombudsman Service
  • Complaints Handler, Royal Bank of Scotland
  • Customer Advisor, Royal Bank of Scotland

Will Weston

Ombudsman

Appointed July 2016

Career history

  • Lead Adjudicator, Financial Ombudsman Service
  • Casework Adviser, Financial Ombudsman Service
  • Adjudicator, Financial Ombudsman Service

William Catchpole

Ombudsman

Appointed July 2022

Career history

  • Insight Lead, The Pensions Regulator
  • Customer Experience and Insight Manager, Legal & General

Yolande McLeod

Ombudsman

Appointed January 2018

Career history

  • Group Leader, Investigations Team, The Insolvency Service
  • Senior Investigator, The Insolvency Service
  • Insolvent Examiner, The Insolvency Service
  • Shop Manager, William Hill Bookmakers

Yoni Smith

Ombudsman

Appointed July 2019

Career history

  • Team Manager, Financial Ombudsman Service
  • Adjudicator, Financial Ombudsman Service
  • Associate, Fidelity International Investments

Zoe Launder

Ombudsman

Appointed October 2020

Career history

  • Customer Relations Manager, AmTrust Europe Limited 
  • Complaint Handler, AmTrust Europe Limited 
  • Team Coach, Lloyds Banking Group 

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