Malcolm Small, Pensions Policy

With a background in Law, Heavy Engineering, and public Administration, Malcolm has specialised in all aspects of management in Financial Services at senior level for the last 20 years. Classically trained in marketing at Marketing Centre Europe in Brussels, he has also operated as a Marketing Director in I.T., preparing software applications for market and following through to product delivery. He spent 14 years with Norwich Union, latterly at operating Board level in Life and Pensions, and 5 years at Merchant Investors, a specialist high net worth investment and pension provider in Bristol.

More recently, as Managing Director of Lyncombe Consultancy, he has specialised in the regulatory, technical and operational aspects of pensions, and a wide range of other retail financial services. With a particular interest in, and experience of, Distribution in the UK, he has been involved in a number of initiatives building new businesses in this field. A past Chair of the Investment and Life Assurance Group, a practitioner trade body, he also has a strong presence in public affairs and public policy work. He is a frequent speaker, and author, on industry topics, Chairing a wide range of industry meetings and conferences.

Malcolm has undertaken consumer research in pensions through The Pensions Report 2006 and 2007 and authored the Roadmap for Retirement Reform 2009 policy paper for the Institute of Directors.

He is Director of Portfolio and Retirement Planning at the Tax Incentivised Savings Association, leading the work of the Association in Pensions, Distribution and Platforms. He is also a Non-Executive Director of B&CE Insurance, provider of pensions and financial services to the construction industry and Non-Executive Chairman of the Board at Altus, a specialist software and consultancy company.

He is a Senior Policy Adviser on Pensions at the Institute of Directors and a member of the Advisory Council at The Pensions Regulator.

• Malcolm Small