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Carl Smith has extensive experience in regulatory relationships within the financial sector, currently serving as the Head of Regulatory Relationships at Phoenix Group since November 2009. Smith's responsibilities include managing interactions with the PRA and FCA, preparing senior management for regulatory meetings, and identifying key regulatory themes. A two-year secondment to the Bank of England as Senior Supervisor in Life Insurance Supervision involved oversight of large composite insurers, focusing on capital and internal model requirements. Previous roles include positions at The Walt Disney Company as a Planning Analyst and Britannic Assurance as an Actuarial Analyst. Carl Smith holds a Bachelor of Science in Economics from the University of Southampton.