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Managing Director - Chris Heard FCIB, BA Managing Director - Chris Heard FCIB, BA
Chris is an acknowledged strategist & innovator within the financial services industry and has considerable experience in the application of e-commerce in both the B2B and B2C sectors.

As MD of Mortgage Trust, he was a pioneer of Flexible and CAM mortgages and as a previous Chairman of IMLA was instrumental in setting in motion the Common Trading Platform initiatives. He was also a long serving member of the CML Executive Committee and chaired its Statistics & Business Information Committee.

Over 30 years experience at all levels of the mortgage industry has proved invaluable in creating & maintaining a comprehensive database of mortgage terminology and other knowledge based content to sit at the heart of the Competent Adviser Learning and Testing Zones.

Chris plays a pivotal role within the organisation taking on the responsibility of coordinating the development of the system in line with client needs, project managing the launch of new corporate users, providing client support and overseeing the day to day management of generic and company specific content.

Training Director - Gillian Tait Training Director - Gillian Tait
In 1997, after over 10 years experience working as a Broker Consultant in the City, Gillian founded Thomson Tait, a specialist training and strategic consultancy that counts amongst its clients many of the largest UK financial service and software providers. This experience has proved invaluable in the design of Competent Adviser's highly intuitive and user-friendly interfaces and the creation of our Testing Zone.

In recent years Gillian has been closely involved with a number of major on-line financial service initiatives as well as providing consultancy services to a range of financial service providers wishing to enhance and develop their intermediary sales force.

Through developing a range of CeMAP and MAPCe courses for both lender and intermediary groups, Gillian has built up a close and highly effective working relationship with CIOBS, one of the main examining bodies and, by using their syllabus and in-house examination facility as an integral part of her training courses, has assisted her students to achieve notable examination success (so far, over 90% have passed at the first attempt).

Gillian has developed a unique range of training programmes for Competent Adviser which combine the best elements of traditional training with the 24/7 support of our exciting on-line Learning & Testing Zone facilities. To find out more you can contact her on - gillian@competentadviser.com.

Click on Services for a more detailed description of these additional Competent Adviser services.

IFA Product Manager - Christine Chow

In 1988 after 10 years experience as a teacher and Head of Departments both in the UK and abroad, Christine changed career and joined the Financial Services Industry. She now has over 20 years Financial Services experience delivering and managing both Training and Competence and, Learning and Development functions for a number of blue chip companies.

Christine has written and implemented T&C Schemes for unit trust and life assurance companies as well as IFA and direct sales organisations. She has extensive "hands on" field supervisory experience across the full product range, often maintaining her own authorisation status as a requirement of these roles.

Christine has extensive experience of design and delivery of regulated training and development. She has managed UK and regional training teams in both the IFA and direct sales environments. She was recently responsible for the successful introduction of e learning to sales, management, supervisory and head office staff for a UK wide mutual.

This combination of knowledge, skills and experience is proving invaluable in her current role as IFA Product Manager with Competent Adviser.

  Ron Kellermann - Technology Director
A Film, Television and New Media graduate of Tel-Aviv University, Ron worked on a variety of film, media projects in the USA and Canada before his business initiatives brought him to the UK in 1985. In 1986 he established RKO resources, a business specialising in providing IT Hardware and Networking solutions to SMEs and larger Corporate clients across a range of industries. Ron brings to the Competent Adviser team his and his team's extensive IT experience in building fully scaleable and robust solutions using the latest technologies.

In 1998 he co-founded (with John Thomson - see below) Net Formation Ltd., trading as forfront.net, a specialist new media, digital technologies solutions provider who over the last 5 years have completed over 150 projects in 11 vertical markets and in multiple languages. One of their largest projects is the Global Internet portal, Chemextra servicing 147 countries and providing information and trading environments for 40,000 chemical suppliers across 450,000 products. Other major projects includes Binleys.com , a Health and Care Information services providing support for NHS and local government related data and documentation, and The Council for Licensed Conveyancers new website theclc.gov.uk.

forfront.net provides Competent Adviser with fully managed (24/7) hosting facilities through MCI's (WorldCom/UUNET) Internet Backbone in London Docklands. Net Formation Ltd are also a shareholder in Competent Adviser and bring to the company the benefits of their development and design team on an outsourced, but fully committed, basis.

  John Thomson - Database Designer
Co-founder and director of forfront.net, John is an Electronic Engineering graduate who initially taught Physics before pursuing a career in IT. After a period of running his own software development company - JTS Systems, specialising in modular accounting systems, John joined with Ron Kellermann to found Net Formation Ltd.

John, who maintains a keen interest in new areas of computing, such as Microsoft's .NET, is our database design specialist and is experienced in the use of SQL technology together with XML/XSL, COM Objects, Java, HTML and ASP to build robust and scaleable e-business solutions. John has taken great pride in optimising Competent Adviser's underlying database structure in order to ensure that all of the facilities within the system will be highly efficient in use.