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About — Leadership

The senior people accountable for the firm’s work.

Congruent is driven by what it builds, not by individuals — but the firm carries regulatory and judicial accountability, and the senior people who hold that accountability are named here. Engagements are led by one of the directors below, with the firm’s senior pensions experts and the platform’s analytical infrastructure deployed alongside.

Nasar Zamir

Director, Congruent Actuarial Limited

Founded Congruent in 2013 and leads the firm’s technical methodology, analytics product development and expert work. Author of Congruent Calculations™ — the firm’s proprietary market-consistent pension valuation engine, which applies the firm’s Fair Value Framework.

Court-appointed Expert in pension on divorce matters, with loss-assessment and valuation work in pension and investment matters referred to the Financial Ombudsman Service. Twenty years’ experience in investment banking — fixed-income trading, structuring, sales and risk management; previously Head of Interest Rates sales at a large European bank.

Areas of expertise
  • Pension on Divorce Expert (PODE) reporting under Part 25 of the Family Procedure Rules
  • Pension-sharing and offsetting calculations in matrimonial cases
  • Defined-benefit pension valuation on a market-consistent fair-value basis
  • FCA DISP App 4 redress calculations for defined-benefit transfer compensation
  • Asset-and-liability modelling for occupational pension schemes
Qualifications
  • MSc Actuarial Science — City, University of London
  • BSc(Hons) Mathematical Sciences — University of Bath
  • Certificate of Corporate Finance — London Business School
Professional memberships and standards
  • Affiliate Member, Institute and Faculty of Actuaries (IFoA)
  • Member, Chartered Institute for Securities and Investment (CISI)
  • Work performed under TAS 100 (Financial Reporting Council)
  • Expert evidence prepared under Part 35 CPR, Part 25 FPR, and IFoA APS X3
Most often instructed — on substantive pension on divorce matters where the assets are material and the methodology may be tested at trial; and on FCA DISP App 4 redress calculations referred to the Financial Ombudsman Service.

Roger Grenville-Jones

Director, Congruent Actuarial Limited

Thirty years’ experience as a consulting actuary; previously Head of Actuarial Function within a global insurance company. Practice concentrated on expert-witness work in financial-product complaints and regulatory mis-selling programmes — pension opt-outs, pension transfers, FSAVCs, SERPS, and mortgage endowments.

Project work for regulators estimating the prevalence of opt-outs across the market; investigations of insurance companies into the standards of their product selling and the conduct of their remedial programmes; expert witness in an Ombudsman test case heard in the High Court. Appointed by the FCA to provide expert evidentiary analysis on the risk of certain financial products in disciplinary proceedings against a regulated firm. Former university lecturer in actuarial science; ran professional ethics seminars for actuaries.

Areas of expertise
  • Expert-witness reports on financial-product mis-selling complaints
  • Regulatory mis-selling programmes — pension opt-outs, pension transfers, FSAVCs, SERPS, mortgage endowments
  • Insurance-company conduct investigations and remedial-programme review
  • Actuarial training and professional ethics
Qualifications
  • MA Mathematics — University of Cambridge
  • Fellow of the Institute and Faculty of Actuaries (FIA)
  • Member of the Academy of Experts
Professional memberships and standards
  • Fellow, Institute and Faculty of Actuaries (FIA)
  • Member, Academy of Experts
  • Work performed under TAS 100 (Financial Reporting Council)
  • Expert evidence prepared under Part 35 CPR and IFoA APS X3
Most often instructed — on expert-witness reports for substantive financial-product complaints; on regulatory mis-selling reviews where senior-led independent analysis is required; and on Ombudsman matters where the methodology is in question.
Firm accountability

Congruent Actuarial Limited — the principal operating entity — is authorised and regulated by the Financial Conduct Authority as a Claims Management Company, FRN 831289. The firm adheres to the professional standards and code of conduct of the Institute and Faculty of Actuaries; carries professional indemnity insurance through Pembroke Managing Agency Limited with Hamilton Syndicate 4000; is licensed by the Bar Standards Board to instruct the Bar directly for advice and representation; is registered with the Information Commissioner’s Office as a data controller, ZA022408; and operates a quality discipline — the Congruent Quality Framework — aligned with TAS 100 and APS X2/X3, with periodic third-party audit.

The firm’s group structure, regulatory profile in full, and operating-entity detail are set out at /business-information/.

Speak to the firm

Engagements are scoped in conversation.

Substantive enquiries on pension on divorce matters, redress calculations, defined-benefit valuation work, or expert-witness instruction reach the firm directly. The directors take scoping conversations themselves.

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