Rachael Christie
- [email protected]
- CeMAP Certified
- 033 0088 4407
Industry Details
- Years in Finance: Started at Halifax in 1994, working her way up from receptionist to Mortgage Adviser, earning her CeMAP qualification in 1999.
- Specialisations: Mortgage advising, operations management, compliance support
- Certifications: Certificate in Mortgage Advice and Practice (CeMAP)
Professional Experience
- Current Role: As a Compliance Support Manager, Rachael conducts random checks on mortgage and protection cases to ensure compliance with FCA regulations, market policies, and internal procedures. She carries out Enhanced IDV checks, prepares Suitability Reports for advisers, and oversees annual regulatory testing for staff. Her role also involves a range of responsibilities aimed at maintaining and improving compliance standards and service quality.
Previous Roles:
- Mortgage Researcher to Mortgage Adviser at YCD (January 2019 – Present): Progressed from researching mortgage options to directly advising clients.
- Head of Operations at a Mortgage Packager (Until 2008): Managed operations until the company went into administration.
- Mortgage Adviser at Halifax (February 1994): Started as a receptionist, quickly moved to the service desk, then the mortgage team, and eventually became a Mortgage Adviser at the Havant branch.
- Held various roles in financial organisations, worked as a recruitment adviser in an employment agency, and managed administrative duties in a nursing home, handling client accounts, staff salaries, HR, and general administration.
Additional Experience:
- Army Veteran: Served in the Army before transitioning to finance.
- Ministry of Defence (MOD) Employee: Worked in the MOD before moving into financial services.
Questions & Answers
Why did you choose a career in mortgages?
I initially started at Halifax without a clear career path, but as I progressed from receptionist to the service desk, I became more involved in finance and customer accounts. This led me to the mortgage sector, where I found the mix of financial expertise and regulatory oversight particularly interesting. Over time, I developed a deep understanding of mortgage processes, compliance, and operations, which naturally led me to my current role in ensuring high standards across the industry.
What do you find most rewarding about your work?
Although I don’t interact directly with clients, my role as a Compliance Support Manager ensures the integrity of the mortgage process. Making sure that advisers provide compliant and high-quality advice helps clients secure their homes safely and responsibly. Knowing that my work supports both the advisers and the clients in achieving successful mortgage outcomes is incredibly fulfilling.
How has your previous experience in various sectors contributed to your current role in compliance support?
My background in the Army, MOD, and financial roles has given me a strong foundation in discipline and attention to detail—both essential for compliance. These experiences have provided me with a thorough understanding of regulatory environments and financial operations, helping me proactively identify and address compliance risks. This ensures that our processes not only meet but often exceed regulatory standards, protecting both our company and our clients.
Rachael's Case Studies
Rachael's Personal Interests and Hobbies
Outside of work, I love spending time with friends and family, often with a glass of Sauvignon Blanc in hand. Music is a big part of my life, whether it’s setting the mood for gatherings or unwinding after a busy day. These moments help me relax and recharge.
