Meet the Commissioners

Find out more about the independent panel of expert Commissioners

Teresa Perchard

Independent consumer advocate and Vice Chair, Fuel Poverty Advisory Group (England)

Teresa is an experienced consumer advocate. Previously the Director of Policy and Advocacy at Citizens Advice working on a range of issues from personal debt to regulation of utilities and financial services. Teresa has also held senior policy roles with the Office of Rail Regulation, Office of Water Services and the National Consumer Council. Her non-executive portfolio spans energy and utilities, regulation, financial services and consumer protection. Current roles include Vice-Chair of the UK Government's Fuel Poverty Advisory Group, Board Director Smart Energy Great Britain and Lay Director of the Personal Finance Society. She is also a member of the Consumer Panel for the Chartered Banker Professional Standards Board and Trustee of the The Fairbanking Foundation.

Martin Coppack

Independent consumer expert 

Having started his career teaching consumer and life skills to adults with learning difficulties and disabilities, Martin has held a number of policy, development and external affairs roles centred on representing and engaging with consumers. Martin has held positions with the Financial Services Authority, National Consumer Council and the Big Lottery Fund where he led the creation of its £31.7 million financial capability and inclusion programme, Increasing Financial Confidence. Martin has also held advisory roles including for the Office of Fair Trading. For the purposes of the Commission, Martin is an independent Commissioner and does not speak on behalf of the Financial Conduct Authority.

James Moore

Associate Business Editor, The Independent and The Evening Standard

James has been a financial journalist for nearly 15 years having worked for The Times and The Daily Telegraph. Left with a mobility impairment after a near fatal cycling accident in 2011, James has taken a keen interest in disability issues.

Sophie Morgan

TV presenter, Artist, Disability Advisor and Media Executive

Sophie was paralysed in a car accident at the age of 18. She studied Fine Art at university, whilst adapting to life in a wheelchair. She has had a successful career as a television presenter (BBC The One Show, C4 Paralympics, BBC Three), and journalist (The Independent, Mail on Sunday). She also works as a media executive and disability advisor for companies around the world. She travels extensively to speak about disability, attitudes, innovation and more. In 2013, Sophie won Ultimate Campaigner of the Year award from Cosmopolitan Magazine.

Warren Buckley

Global Head of Contact Centres, HSBC

Warren is Global Head of Contact Centres for HSBC. Previously he worked at BT as Managing Director of Service Management for Openreach. Before joining BT, Warren worked at Orange, Avaya, Lucent Technologies and Vodafone. He is also Chair of the Business Disability Forum and a trustee of the Citizen Advice Bureau. 

Paul Gamble

Chief Executive, Habinteg Housing Association

Paul champions the role of inclusive housing in promoting equality for disabled people and independent living for all. At Habinteg he has developed guidance for housing organisations on disability equality, working with both the Disability Rights Commission and the Housing Corporation. He is a visiting lecturer at Reading University’s MSc in Inclusive Design and sits on the Equality and Diversity advisory boards of the Homes and Community Agency. During 2013, Paul was on the steering group for the Department for Communities and Local Government’s Review of Housing Standards.  

Donald Hirsch

Director, Centre for Research in Social Policy at Loughborough University

Donald has spent 30 years analysing social policy in the UK and internationally. As a journalist at Organisation for Economic Co-operation and Development (OECD) official, consultant to public organisations and charities, and an academic. He currently leads the team that established the Minimum Income Standard for the United Kingdom, which is now looking at how this minimum standard differs for households including a disabled person because of the extra costs faced by disabled people.

Amarjit Raju (Amo)

Chief Executive, Disability Direct

Previously a civil servant, Amo has been CEO of Disability Direct - a major Disabled People’s Organisation with 50 staff and 25 volunteers – since 1998. Amo also runs his own consultancy firm. Amo was born with a disability and has a passion for improving the lives of disabled people and carers through user-led involvement in decision-making processes. Recently Amo was named by The Disability News Service as the second most influential disabled business man in the country.

Gideon Hoffman

Chief Operating Officer, Mercury Media Group

Gideon is Chief Operating Officer at Mercury Media Group, where he works with media owners to provide finance to help them grow and prosper. Previously, he spent over a decade at HM Treasury advising ministers on policy matters such as health spending, taxation and benefits and the environment. He was one of Lord Stern's co-authors on his review of the Economics of Climate Change, and oversaw gambling policy at the Department of Culture, Media and Sport.

Kay Allen OBE

Founding Director, Really Useful Stuff

Kay served as a Commissioner on the Disability Rights Commission and on the Equality and Human Rights Commission. Awarded an OBE in 2011 for services to equality, Kay's career includes B&Q, BSkyB and Royal Mail Group. Named as a Game Changer in 2012 in a one-off award by Business in the Community, Kay published her first book that year, Corporates are from Mars, Charities are from Venus, offering a practical toolkit to anyone engaged in managing a corporate charity relationship. She is the Founding Director of two social enterprises: Really Useful Stuff and Trading for Good. 

Dr Phil Friend OBE

Director, Phil & Friends Ltd

Phil is the Director of Phil & Friends, a leading disability consultancy. He has worked on a range of international disability and diversity projects across Europe and North America and was awarded an OBE in 2011 for services to equal opportunities and disabled people. Phil is the Director of Dining with a Difference, an initiative that looks at how disability affects business. He is also co-author of Why are you pretending to be normal?, a self-help book for disabled people.  Amongst various roles on boards and panels, he is a trustee of Rica, Vice-President of the Level Playing Field Association, a member of the Association of Disabled Professionals and an Associate of the Business Disability Forum.

Sarah Harrison 

Senior Partner – Sustainable Development, Ofgem

Sarah took on leadership of Ofgem’s Sustainable Development Division in 2009, which brings together environmental, social and consumer policy and leads Ofgem’s enforcement work. She is also an executive member of the Gas and Electricity Markets Authority, the governing body for Ofgem. Sarah is also a Director of TrustMark and Chair of the senior representatives group of the UK Regulators Network, which covers the UK’s nine leading economic regulators.

Sue Holloway  

Director, Pro Bono Economics

Sue has been a professional economist since 1997 when she joined the Government Economic Service (GES). She has worked at the Office for National Statistics, managed the GES and most recently was Deputy Chief Economist at the Department for International Development. She is also a qualified management accountant. She worked overseas for TEAR Fund and was a trustee at Traidcraft. In 2010 she became the Director of Pro Bono Economics – a charity which matches volunteer economists with other charities to address questions around measurement, results, impact and value.

Fiona Turner

Head of Consumer & Community Affairs, Royal Bank of Scotland

Fiona is Head of Consumer & Community Affairs at the Royal Bank of Scotland. Her remit includes overseeing and developing the bank's work on financial inclusion and financial capability, community banking and support for the debt advice sector.