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.
Interim Chief Ombudsman
James Dipple-Johnstone
Interim Chief Ombudsman
View James Dipple-Johnstone profile
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
Rachel Lam
Managing Ombudsman Director (interim)
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
Richard West
Ombudsman Director
Appointed as Ombudsman Director - December 2022
Appointed in the Ombudsman Panel - January 2012
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
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
James Mycroft
Ombudsman Director
Appointed January 2025
Career history
- Head of Strategy, Shawbrook Bank
- Chief Operations Officer, Sonovate
- Head of Customer Service, Principality Building Society
- Chief Operating Officer, Nemo Personal Finance
- Non-Executive Director, Welsh Ambulance Service NHS Trust
- Director of Customer Service, BT Group
Andy Wright
Ombudsman Director (interim)
Appointed April 2020
Career history
- Director of Mergers, Competition & Markets Authority
- Director, Mergers, Markets and Regulatory Appeals, Competition Commission
- Corporate Finance Manager, Deloitte
- Assurance and Advisory Manager, Andersen
Our Ombudsmen in alphabetical order
Lindsey Woloski
Ombudsman
Appointed January 2009
Career history
- Legal Counsel, Financial Ombudsman Service
- Assistant Casework Manager, Financial Ombudsman Service
- Barrister, Private Practice
Lisa Barham
Ombudsman
Appointed February 2020
Career history
- Primary School Teacher, Essex County Council
- Ombudsman, Financial Ombudsman Service
- Lead Adjudicator, Financial Ombudsman Service
Lisa de Noronha
Ombudsman
Appointed May 2016
Career history
- Team Manager, Financial Ombudsman Service
- Adjudicator, Financial Ombudsman Service
- Events Administrator, Specialist Schools and Academies Trust
Lisa Lowe
Ombudsman
Appointed April 2018
Career history
- Team manager, Financial Ombudsman Service
- Customer services manager, Upad
- Operations Manager, James and Beckett Solicitors
Liz Easton
Ombudsman
Appointed July 2023
- Head of Operational Contact, Financial Ombudsman Service
- Operational Contact Manager, Financial Ombudsman Service
- Executive Adviser, Financial Ombudsman Service
Lorna Goulding
Ombudsman
Appointed September 2014
Career history
- Team Manager, Financial Ombudsman Service
- Complaint Handler, Financial Services Authority
- Quality & Marketing Manager, Deedscan Limited
Lorna Wall
Ombudsman
Appointed September 2023
Career history
- Senior Investigator, Financial Ombudsman Service
- Investigator, Financial Ombudsman Service
- Adjudicator, Financial Ombudsman Service
- Fraud investigator, Lloyds TSB Bank
Lorraine Ball
Ombudsman
Appointed October 2025
Career history
- Investigator, Financial Ombudsman Service
- Adjudicator, Financial Ombudsman Service
Louise Bardell
Ombudsman
Appointed October 2013
Career history
- Head of Group Credit Regulatory and Reporting, Lloyds Banking Group
- Senior Manager, Lloyds Banking Group
- Senior Credit Analyst, Lloyds Banking Group
Louise O’Sullivan
Ombudsman
View Louise O’Sullivan profile
Appointed February 2020
Career history
- Head of Student Programmes, Imperial College London
- Venue Security Portfolio Manager, Olympic Security Directorate, Home Office
- Assistant Ombudsman, Prisons and Probation Ombudsman
Louise Povey
Ombudsman
Appointed July 2011
Career history
- Adjudicator, PhonepayPlus
- Administering Appeals, Cambridgeshire County Council
- Roles with the Nursing and Midwifery Council, the General Medical Council and the Legal Services Commission
Lucinda Puls
Ombudsman
Appointed September 2022
Career history
- Senior Policy Associate, Financial Conduct Authority
- Investigator, Parliamentary and Health Service Ombudsman
- Fitness to Practise Caseworker – The General Dental Council