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Expertise you can count on
Our team of dedicated and dependable actuarial and financial risk consultants are passionate about delivering a personal and exceptional service to you. Our services are overseen by two directors with extensive industry experience.
Roger held the senior position of Head of Actuarial Function within a global insurance company and since then has been a consulting actuary for over twenty-five years. He has a wealth of experience in dealing with specialist financial products and is particularly experienced as an expert witness for financial complaints. Roger was appointed by the FCA to provide expert evidentiary analysis on the risk of certain financial products in disciplinary proceedings against a regulated firm.
He holds an MA in Mathematics from Cambridge University and is a Fellow of the Institute and Faculty of Actuaries. He has also been a university lecturer in actuarial science.
Nasar has held senior positions in institutional sales for a number of global investment banks (including the head of Derivatives and Hedge Funds sales). His career in investment banking also includes positions in risk management and trading, which spans more than two decades. He has considerable experience dealing with banking products – particularly derivatives and structured products, and the banking and risk management processes associated with these products.
Nasar holds a BSc(Hon) in Mathematical Sciences from the University of Bath, an MSc in Actuarial Science from City University (London) and a postgraduate certificate in Corporate Finance from the London Business School.
What our clients say
"I approached Congruent in the hope that they could help me with a poorly performing Endowment policy I have had with a large UK Insurer. Congruent were very swift in amalgamating all the relevant documentation in order to assess the problem and to see if they could help. They initially ruled out the possibility of a “mis-selling” complaint but this did not stop them from digging deeper. Very soon they looked at how charges affecting the investment performance which resulted in an endowment shortfall and realized that the Insurer was overcharging in relation to units bought in an investment fund. Although we thought we had a justifiable complaint it was initially rejected by the Insurer and this position was also initially supported by the Financial Ombudsman Service. However, this did not deter Congruent and their persistence persuaded the FOS to look again at the matter in more detail. This in turn appeared to “push” the Insurer to reconsider their position and after some intense negotiations they made a significant compensation payment.
The whole process took over 18 months to conclude and if it wasn’t for the tenacity and persistence, coupled with their expert investment knowledge of the industry, I’m sure I wouldn’t have received any compensation.
Congruent are a very professional, highly knowledgeable and yet very friendly and helpful company, which I would recommend to anyone with a similar problem to mine."
Latest news & insight
Our news and insights covers topical industry issues, guidance for individuals and businesses and corporate announcements.
A SERPS adjustment can only apply to an individual who has some Guaranteed Minimum Pension (“GMP”) – in other words who has some contracted-out employment
Investment, pensions and insurance misselling claims submitted to the Financial Services Compensation Scheme (“FSCS”)
FSCS has been criticised (Financial Times 6 August 2021) for not including necessary future adviser charges when calculating compensation for mis-sold pensions where the complainant’s