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AJC operates globally from its UK headquarters, with a team of 30+ seasoned consultants strategically positioned to cover diverse regions such as mainland Europe, Africa, Asia, the Middle East, the USA, and Australia. Our multilingual capabilities, encompassing languages including French, German, and Russian, enable us to better cater to our clients’ needs worldwide.

Adrian Jolly

Managing Director and Founder

Adrian established AJC in 2016, identifying a pressing industry need for accessible and cost-effective consultancy services. Under his leadership, the company has consistently achieved year-on-year growth, attracting a diverse clientele spanning multiple sectors across the globe.

With over two decades of experience in Financial Services, Adrian possesses a profound understanding of global risk management, including strategic risk assessments and the establishment of enterprise risk management frameworks, encompassing comprehensive global business continuity strategies. Adrian holds a degree in International Disaster Engineering and Management, further complemented by his extensive expertise in Cyber Security, Data Protection, as well as Risk and Fraud Management.

Since founding AJC, Adrian has dedicated himself to realising the company’s vision, guiding and shaping the AJC team to assist clients in tackling complex challenges, to enhance the security and resilience of their organisations.

Matthew Neall

Cyber Security, Risk & Business Continuity Specialist

Matthew is a seasoned professional with extensive experience in Business Continuity and Cyber Security, spanning several decades. His commitment and expertise have made him a valuable member of the AJC team for many years. Within the company, he takes the lead in managing the critical domains of Cyber Security and Business Continuity, ensuring the utmost protection and resilience for our clients.

Matthew has implemented and maintained a number of ISO standards including ISO 27701, 22301 & 9001.

Matthew is a qualified lead auditor for ISO 27001 & SWIFT CSP Auditor.

Matthew Brown

Non Executive Director

Matthew has over 35 years of financial services experience, encompassing various sectors. He’s a proficient technical expert with broad experience in operations, business development, sales, marketing, finance, client service, and organisational leadership.

Matthew’s impressive track record involves growing International Financial Data Services’ (now SS&C) market share, expanding and diversifying its offering. In roles including Business Development Director, Chief Administration Officer, and Chief Executive Officer, he established a hosted fund management division and managed the organisation’s shift into wealth management services, especially for a major UK wealth manager.

Matthew has held executive and non-executive leadership positions in both entrepreneurial start-ups and established organisations, showcasing his diverse leadership skills and approaches to management.

Geoff Poulter

Cyber Security Specialist

Geoff brings a wealth of experience to our team, with a track record spanning three decades. His extensive background encompasses managing teams and projects in the Fintech and Financial Services, Insurance, and Defense business sectors.

Geoff offers valuable guidance to our clients, specialising in cyber security planning and strategies, and working as a Virtual CISO with SWIFT Auditor experience. His IT proficiency includes delivering software and IT Infrastructure projects, overseeing EMEA IT operations in Fintech, and implementing workflow IT systems in the Insurance sector. Geoff also has extensive experience in Business Continuity planning and management, including successful BCM practices in genuine crisis situations.

 

Natasha Cummings

Risk and Fraud Specialist

Natasha is a seasoned professional with 20+ years in the payments sector, specialising in fraud prevention, risk management, and compliance. Her career spans various facets of the industry, including issuing, acquiring, and direct merchant engagement, for both prominent industry leaders and startups.

Throughout her career, Natasha has primarily focused on investigative analysis, onboarding, and transactional monitoring, bringing a holistic approach to risk mitigation.

Joining AJC in 2020, Natasha offers consultancy services globally, guiding clients through risk-based reviews and enhancing fraud prevention and risk management strategies.

Toni Sless

Risk and Fraud Specialist

Toni is a Senior Fraud Risk Management Consultant with extensive experience in providing strategic and advisory services to multiple international organisations across various sectors, including financial services.  

Toni’s extensive career has equipped her with a well-developed and comprehensive understanding of fraud risk management, cyber fraud, insider threats, incident management, project and programme management, as well as contract governance and implementation. 

Toni has successfully led on and implemented business wide fraud risk management controls, policy governance frameworks, fraud risk strategies, target operating models and operational roadmaps for FinTechs, Challenger Banks, UK and International Banks as well as a global insurance company. Toni excels at instilling passion and enthusiasm, building strong stakeholder relationships and engagement at all levels.

Emmanuel Charlot

Risk and Fraud Specialist

Emmanuel is a seasoned professional with over two decades of experience in the payments industry, with a specific focus on fraud prevention, risk management, and compliance. His career spans various facets of the industry, including card schemes, issuing and acquiring.

Throughout his career, Emmanuel has made effective use of business intelligence and technology to enhance risk monitoring and investigation. His unique blend of experience has allowed him to bring a holistic perspective to risk mitigation.

Emmanuel joined AJC in 2020, where he has capitalised on his expertise to provide risk consultancy to customers globally and, through industry recognised risk assessments, promote relevant and resilient remediation.

Katy Worobec

Risk and Fraud Specialist

Katy brings over 30 years of experience in the banking and finance sector, with her most recent role being Managing Director, Economic Crime at UK Finance, and prior to that, Director of Financial Fraud Action UK. 

Katy’s achievements include the establishment of the Information & Intelligence Unit, which comprises a Fraud Intelligence Sharing System, Industry Threat Management processes, and coordinated responses to data loss or breaches. She also played a key role in setting up the Dedicated Card and Payment Crime Unit (DCPCU), an industry-sponsored police unit, and the Take Five education and awareness campaign. 

Katy excels in leading and developing strategic financial fraud initiatives and is an adept mediator, known for building trust and collaborative relationships among diverse stakeholders across industries, government, law enforcement, and other sectors.

Brian Kinch MBCI RRP F.ISRM MRi

Advisor

Brian is a renowned risk professional with over 35 years of experience, spanning domestic and international financial services sectors. He held senior roles at major institutions including HSBC, Visa International, Lloyds Banking Group, and Citigroup. Brian’s expertise extends to assisting fintech and neo-banks as an independent consultant and establishing his own FCA-regulated entity, KM2 Ethical Finance. He was honoured on three separate occasions as Chief Executive of the Year in 2021 (for Essex),and 2022 and 2023 (for UK Financial Services) by CEO Monthly.

His consulting expertise encompasses various sectors, including insurance, telecommunications, and the public sector, focusing on risk, authentication, data protection, cyber, continuity, and resilience. Brian also contributed significantly to FICO (Fair Isaac) as a global fraud consulting leader and was the Managing Director of Fraud Solutions at GDS Link, where he received the Best Global Credit Risk Management Software MD 2022 award from SM News.

Jason Hills 

Project Manager

Jason has over 20 years experience in FMCG, Financial Services and Public Sector. Throughout his lengthy career, Jason has been involved in the interaction between people, technology, process and data. He is particularly intrigued by the frequent transformations within this landscape and the rapid adaptation required, without risk to business or industry.

Jason has had the privilege of collaborating with seasoned professionals across diverse fields, working with prestigious global entities, such as Unilever, Cushman & Wakefield, M&G Real Estate, BlackRock, and Franklin Templeton.

Jason is also a mentor for the Wits SAIBPP mentorship program. The program aims to provide guidance and support to mentees in navigating the changing tides of the real estate industry in South Africa.

Josie Preston 

AML Specialist

Josie is a consultant specialising in Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and financial crime (FinCrime), with expertise in the Gambling and Web3 industries.

Josie brings over 22 years of expertise in the gambling industry, covering land-based casinos, betting, and iGaming. Her experience spans operations, risk, strategy, training, and regulatory compliance. She has held senior AML leadership roles, including Nominated Officer, Group MLRO, and Head of AML/Financial Crime, for global operators like Rank Group, Caesars Entertainment EMEA, The Ritz Club, and Aspers Group.

A proud Military Intelligence veteran, Josie has been recognised with accolades such as a Special Commendation at the British Ex-Forces in Business Awards and Themis Money Laundering Reporting Officer of the Year. She is passionate about advising organisations in gambling and Web3 on dynamic risk management and compliance strategies.

Filiz Demirci 

Compliance and International Standards Specialist

Filiz has over 20 years of ICT experience, with a strong focus on Information Security, Cybersecurity, Governance, and Compliance. She is skilled in implementing key frameworks such as ISO 27001, GDPR, PCI DSS, and ISO 27701, providing clients with robust security solutions.

Her expertise extends to emerging areas like AI Governance and the Digital Operational Resilience Act (DORA). With knowledge of ISO 42001 and the EU AI Act, she helps organisations manage AI-related risks while maintaining ethical and regulatory standards.

Filiz combines strategic vision with technical depth, supporting organisations in implementing Information Security Management Systems (ISMS) and strengthening digital resilience. Her guidance under frameworks like DORA ensures businesses are prepared to meet evolving challenges in the digital landscape.

Gareth Wilson 

Risk Management Specialist

Gareth is a senior enterprise risk management and operations professional with 25 years of global experience across asset management, investment banking, transaction services, and securities services. He has a proven track record of optimising enterprise and operational risk frameworks at scale, driving cost reductions, improving efficiencies, and strengthening governance.

His expertise spans strategic planning, organisational design, business transformation, budgeting, and resource allocation. Gareth also ensures compliance with regulatory requirements, developing practical strategies to mitigate legal, financial, operational, and reputational risks.

A trusted partner to stakeholders across the industry, Gareth builds strong, collaborative relationships and leverages his extensive network to support businesses in navigating complex challenges.

Mike Kaye 

Data Analytics and Business Intelligence Consultant

Mike has over 25 years of experience in financial services and payments, holding senior roles at MBNA Europe, Bank of America, Visa, and Bank of New York Mellon. His primary expertise lies in big data, with extensive experience managing complex data sets, developing leading indicators and business KPIs, and transforming data into impactful visualisations and reporting products. He has created a suite of business intelligence tools to support trend identification and strategic decision-making across multiple organisations.

As well as product development, Mike has held roles in project management, relationship management, business strategy, risk management and has led multiple fraud prevention and detection analytics teams. Outside of the financial services environment, Mike also has first-hand experience as a Subway sandwich Franchisee and he is a registered England Squash Coach. He is known for his common sense, hands-on collaborative approach, managing diverse stakeholder groups at all levels.

Amar Dhesi MBA

International Business Development and Commercial Consultant 

With over two decades in the financial sector, including roles at renowned institutions such as RBS (NatWest) TSB, Britannia BS and Lloyds Banking Group, Amar has engaged in various financial projects, worked with major consulting firms, and supported the growth of many SMEs and start-ups.

Amar is a seasoned business development consultant with a track record of exceeding targets and building relationships. With a background in consulting and a natural ability to understand client needs by offering tailored solutions. 

Amar specialises in business development, governance, compliance, and regulatory expertise, helping clients achieve their goals. He’s known for delivering exceptional value to clients through identifying the right opportunities, engaging strategy, and ensuring impeccable service with execution.

Krysta Collin

Administration Manager

Krysta joined AJC to help elevate the company’s administrative functions. Bringing with her 16 years of experience in client-facing roles, she specialises in handling enquiries, budget preparation, and generating financial reports. Her expertise extends to handling end-of-month payments, managing HMRC documentation, and overseeing VAT return processes.

Krysta is known for her effective communication skills. Whether through telephone conversations or scheduled Microsoft Teams meetings, she is committed to resolving enquiries efficiently. Furthermore, her meticulous approach is evident in her organised filing practices and her dedication to maintaining well-structured SharePoint environments.


Andrew Borgartz

Cyber Security Associate

Andrew joined AJC in September 2023 as a graduate and has been gaining experience across our cybersecurity services, including SWIFT CSP. He leads our Cyber Essentials services and supports our consultants on a range of projects. With a background in Biotechnology, Andrew is also undertaking a Cyber Risk Analyst apprenticeship alongside his role, further enhancing his expertise.

Andrew brings a friendly, collaborative, and detail-oriented approach to his work, ensuring clients receive the highest level of service.


Nicole Emenike-Obi

Cyber Security Associate

Nicole joined AJC as a graduate and has been gaining hands-on experience in cybersecurity and fraud prevention. She is developing expertise in safeguarding organisations against security threats and managing complex risk challenges.

With a background in Business and Entrepreneurship, Nicole combines analytical thinking with a proactive approach to problem-solving. She has a strong interest in fraud prevention and has worked closely with specialists to deepen her understanding of emerging threats and mitigation strategies. Alongside her core cybersecurity work, she has contributed to various initiatives within AJC, bringing fresh ideas and a collaborative approach to her role.


Jesse Gyamfi

Cyber Security Associate

Jesse joined AJC in September 2023, bringing a Master’s in Business and Organisational Psychology alongside CMI Project Management qualifications. With a strong interest in the intersection of technology and business strategy, he has quickly become a key contributor to the team.

Since joining, Jesse has delivered business continuity training to financial institutions, conducting Cyber Essentials applications, and supporting internal audits across various industries. He also contributes to key services, including fraud prevention, SWIFT CSP compliance, and data protection.
Jesse is also undertaking a Cyber Risk Analyst apprenticeship, complementing his existing experience and strengthening his ability to support clients with tailored cybersecurity solution.

Hannah Marshallsay

Brand and Marketing Specialist

Hannah brings over 20 years of experience from her tenure at London agencies working with blue-chip clients like Sainsbury’s, British Airways, and O2. With a decade-long stint at dunnhumby, a Tesco-owned company, she spearheaded customer insight projects and marketing campaign evaluations for Tesco Stores and Tesco.com. Now an independent consultant, she collaborates with a team of freelancers to empower businesses and organisations to thrive.

Her more recent portfolio spans diverse sectors including retail, services, education, leisure, not-for-profit, logistics, energy and manufacturing. Services offered encompass marketing consultancy, communications planning, branding, website design, integrated campaign planning and marketing analytics.

Hannah has worked with AJC to develop its new brand design and brand messaging and will be providing ongoing marketing support to the AJC team.

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