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Gemma Ratchford has a solid background in finance and accounting, with experience in various roles such as Head of Finance, Group Financial Controller, Financial Controller, Senior Management Accountant, and Finance Manager in companies like KGM Underwriting Services Ltd, ESG, Veolia, David Phillips, SELEX Galileo Inc., Professional Fee Protection, and Capital Support Ltd. Gemma's responsibilities have included overseeing teams, preparing management accounts, ensuring accurate P&L results, and handling financial reporting. Gemma holds a degree in Chartered Accountant in Accounting and Finance from BPP.