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Darren Fernandes (JP) is an experienced Assurance Auditor and Senior Policy Analyst at Pay.UK since July 2022, where responsibilities include the delivery and update of enterprise-wide risk-based policies and strategic risk management. Previous roles include Senior Business Analyst and Business Analyst at Commonwealth Bank, contributing to divestment projects and Operations Risk Model transitions, as well as Consultant at KPMG Australia focusing on compliance with financial advice. Additional experience encompasses audit engagement supervision at EY, assurance reviews at Deloitte, and advisory roles at Spring Financial Group and Smartsalary. Darren Fernandes holds a Diploma of Financial Planning from Monarch Institute and a Bachelor of Business & Commerce from Western Sydney University.