The Team

Where the Passion Begins

Founder & CEO

Steve Clifford has been working in the financial services industry for over 30 years. His most recent role was Managing
Director and Global Head of Business Change for JPMorgan Investment Management and JPMorgan International
Private Bank.

He is a dynamic, versatile & commercially-led Senior Business Leader & Change Manager with diverse experience across financial services, corporate, investment and international business environments. Steve is known for delivering transformational leadership through effective collaboration & partnership, engaging with stakeholders at C-level / Board & 3rd parties, delivering ‘fit for purpose’ operations and business change.

Hugely successful at translating business requirements into tangible, realistic programme deliverables and outcomes,
delivering positive change of real quality & value, helping businesses meet commercial goals with an excellent track
record in designing and executing effective business strategies, vision and roadmaps.

Associate Director

Dale Headley is a seasoned business executive who thrives in complex, fast paced, multi-cultural environments.   Over the course of a career in financial services, he has worked in Wealth and Private Banking, Asset Management, as well as several years as a Management Consultant advising financial services firms. He has been successful by utilising his consultative style to deliver client centric, workable solutions and with clear measurable results.


He has led global teams through the successful implementation of a number of multi-jurisdictional strategic and regulatory change initiatives, impacting all aspects of the Asset and Wealth Management businesses including; Client Communications, Distribution, Vendor Selection and Migrations


Dale has previously created and implemented global and lines of business governance frameworks, designed conduct risk frameworks and overseen the subsequent integration into existing risk frameworks. He has also designed and implemented global culture strategies for Asset Management and Private Bank businesses

Associate Director

Gary is an accomplished programme delivery executive (and SDLC expert) in IT, digital and data domains with 25+ years of deep industry experience in Asset Management.  He has held Director positions at both JPMorgan Asset Management and most recently at AMX (part of Willis Towers Watson) where he was the Head of IT Platforms in charge of all systems, data vendors and IT frameworks managing support, security, risk and control.

He is regarded as an industry CRM expert and has successfully designed, implemented and led Global teams in several key transformation programmes enabling sales, onboarding, client service, financial forecasting and marketing teams across multiple locations.  He is passionate about driving ROI for clients, stakeholders and employees; and is an energetic evangelist of digital and data connectivity across all aspects of business improvement.  


Gary is based in London and partners closely with our team in India, UK and Luxembourg to combine CommSol's capabilities and resources to serve our clients and partners.

Senior Manager

Lucy Wells has been working in the financial services industry for nearly 14 years. She has worked on a number of large scale projects, the most recent of which was the implementation of a new Institutional Digital Platform.


She is a keen, motivated and conscientious Business Analyst with technical expertise and management within the financial services and in particular Investment Management.  Lucy has proven project management and business analysis skills with a strong understanding of change.  


Lucy is a SME in reporting and has implemented a number of global reporting processes.  She has designed new reports and designed and implemented the data from creation to production.  Her unique set of skills enables her to work not only in projects but also within BAU teams across the Operations and Infrastructure spaces.

Senior Manager

Lucy Dean is an experienced Business Analyst/Project Manager with 14 years experience in financial services. Strong experience of defining and analysing business requirements, mapping business processes, writing procedure guides and delivering business solutions on large-scale programmes. 


Lucy has deep experience across a number of strategic platforms, including wrap platforms and back office administration systems and have designed direct-to-customer web pages. Excellent product knowledge of Defined Contribution pension schemes, Self Invested Personal Pensions (SIPPs), Small Self Administered Schemes (SSAS), ISAs, corporate, individual and stakeholder pensions, Guaranteed Equity and Structured Products and of investment trading. 


Lucy is a very personable individual who very much believes in being a great partner and ensuring best client outcomes. 

Associate Director

Robert Liebl has joined CommSol in 2019 to provide support in Strategy and Execution. Robert has been working in the financial services industry for 20 years.  Before joining CommSol he was most recently Interim Senior Product Implementation manager for a Big4 Consultancy firm and prior to that Senior Change manager at both JPMorgan Asset Management and JPMorgan Bank. He was the global Location Strategy Programme manager for Global Fund services, focusing on Change and Execution management. 


Reporting to Board level, Robert has also been involved in Vendor selections, Due diligence and a number of high-profileRegulatory change implementations from both a business as well as IT perspective.


Supporting the People, Process and Technology agenda’s, Robert’s key focus is in Change management, Transformation and large Programme implementations.  He is Luxembourg based and brings a Global mindset, having worked in Europe, US, Asia and Australia with particular emphasis on Change and People impacts. Robert is part of the CommSol senior team and leads our Luxembourg presence.

Associate Director & Head - India

Siddharth Karmarkar (Sid) is a qualified chartered accountant with over 17+ years of experience. Having worked across the globe, he draws a repute of being extremely performance-driven and delivering innovative business solutions for numerous organizations, including world-leading banking and financial services companies such as American Express, Société Générale, HSBC & JPMorgan. Further deepening general management at the Indian Institute of Management, Ahmedabad, he has gained expertise in analyzing and implementing strategies and business practices to improve overall efficiency, drive business growth and improve financial performance.

Sid has been instrumental in leading senior management through periods of rapid growth and business transformation to deliver the best results be it scale-up of market share, expand geographies and/or product marketing capabilities.

Sid has won several awards and accolades and skilled in leading multiple complex projects from concept to completion – including but not restricted to trading algorithms, NLP, Web-crawling technology, CRM, LEAN, etc in Capital Markets, Asset Management & Securities businesses.

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