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: 23 October 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

Chris Lowe

Ombudsman

Appointed September 2024

Career history

  • Senior Investigator, Financial Ombudsman Service
  • Investigator, Financial Ombudsman Service
  • Accounts Administrator, Financial Ombudsman Service

Chris Riggs

Ombudsman

Appointed October 2019

Career history

  • Police Inspector, Metropolitan Police
  • Work based assessor, Shared Services Connected Ltd

Chris Russ

Ombudsman

Appointed June 2021

Career history

  • Senior Investigator, Financial Ombudsman Service
  • Investigator, Financial Ombudsman Service
  • Senior Customer Services Officer, NatWest

Chris Woolaway

Ombudsman

Appointed September 2023

Career history

  • Senior Investigator, Financial Ombudsman Service
  • Investigator, Financial Ombudsman Service
  • Adjudicator, Financial Ombudsman Service
  • Academic Ambassador, Kent Law School
  • Commercial Adviser, RBS Group

Christian Wood

Ombudsman

Appointed January 2014

Career history

  • Head of Strategy, Aviva UK
  • Strategy Development Consultant, Nationwide Building Society
  • Analyst, HSBC Actuaries and Consultants

Christopher Convery

Ombudsman

Appointed March 2024

Career history

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

Christopher Gilbert

Ombudsman

Appointed April 2012

Career history

  • Practising as a Chartered Arbitrator and Mediator
  • Partner, Steeles Solicitors
  • Partner, Kester Cunningham John Solicitors

Christopher Reeves

Ombudsman

Appointed September 2014

Career history

  • Lead Adjudicator, Financial Ombudsman Service
  • Adjudicator, Financial Ombudsman Service

Claire Allison

Ombudsman

Appointed March 2012

Career history

  • Team Manager, Financial Ombudsman Service
  • Adjudicator, Financial Ombudsman Service
  • Customer Service Adviser, TD Waterhouse UK

Claire Greene

Ombudsman

Appointed September 2020

Career history

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

Claire Hopkins

Ombudsman

Appointed January 2008

Career history

  • Adjudicator, Financial Ombudsman Service
  • Complaints handling within the mortgage broking sector

Claire Jackson

Ombudsman

Appointed July 2013

Career history

  • General Adviser, Trafford Citizen's Advice Centre
  • Solicitor, Myerson Solicitors
  • Partner, DAC Beachcroft