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Lloyd Bennett-Smith has over a decade of experience in the financial services sector, currently serving as an Investments Technical & Due Diligence Senior Analyst at Embark Group since May 2016. Previous roles include adjudicator at the Financial Ombudsman Service and investment reviewer at the Financial Services Compensation Scheme, where responsibilities involved complaint resolutions related to various investment products. Additionally, Lloyd has worked in contract positions at Friends Life UK, Aviva, Santander UK, and Legal & General, focusing on customer retention, loss assessment, and reviewing pension advice. Lloyd's educational background includes a degree from the University of Southampton, completed between 1992 and 1995.