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James is an Associate Director and specialises in the provision of regulatory, risk and internal control services to the financial services industry. His regulatory focus is in the area of retail market conduct, particularly TCF and RDR, where he leads Deloitte South Africa’s retail market conduct service area. Although James is an SME in the areas of retail market conduct (TCF, RDR), he also understands the FAIS, NCA, POPI, and AML environments through his engagements across the financial services industry. He is therefore well placed to co-ordinate Deloitte’s various market conduct regulatory SME’s for the program.