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Rachel Balcombe has extensive experience in risk, governance, and claims management, currently serving as the Risk, Governance, and Quality Manager at NFU Mutual since November 2011. Previously, Rachel held senior roles at Lloyds Banking Group and Halifax Bank of Scotland, where Rachel contributed significantly to claims strategy, audit, and performance improvements, including leading initiatives that generated multimillion-pound savings. Rachel's earlier career included managing operations and personnel at Capita McLarens Chartered Loss Adjusters, focusing on performance management and financial compliance. Rachel holds a BSc in Biological Science and Psychology from the University of Leicester, along with 6 A Levels and 11 GCSEs.