Great service and support start with great people. With over 100 years of combined experience, our team here at Pathlines helps customers, employers and advisers navigate complex pension challenges. Our dedicated team is here to support you with industry expertise, personalised support, and a customer-first approach. We are consistently investing in our team’s growth so they can provide the best service for you.
Christine Hallett is the Founder and Chief Executive Officer of the company, which she established in May 2009. Under her leadership, the business secured authorisation from the Financial Services Authority (now the Financial Conduct Authority) in August 2009 and has since grown to become a recognised and trusted name in the financial services sector.
Christine brings over four decades of experience in the financial services industry. Her career began at grassroots level as a clerk at Midland Bank and has spanned senior roles across leading blue-chip financial institutions. Driven by a passion to challenge conventional practices and deliver customer-centric innovation, Christine founded the company to realise her vision: to build a modern pension business offering transparent, flexible, and effective retirement solutions.
Throughout her career, Christine has demonstrated a deep commitment to improving outcomes for savers and retirees. Her leadership continues to shape the company’s strategy, culture, and dedication to delivering long-term value for clients
Russell Hornsby-Clifton is an accomplished international financial services executive with over 20 years’ experience spanning banking, governance, regulatory leadership, risk management, and strategic transformation across multiple global jurisdictions.
Russell has held senior executive and Board-level positions within international banking and financial services organisations across the UK, Cayman Islands, Switzerland, Europe, the Americas, and South Korea. He is recognised for delivering complex transformation programmes that strengthen governance, improve operational resilience, and create sustainable commercial growth while maintaining strong regulatory and customer outcomes.
As CEO of Pathlines Pensions, Russell brings extensive expertise in strategic leadership, regulatory compliance, digital transformation, and operational governance. His background combines deep commercial experience with a practical understanding of risk management, helping organisations navigate increasingly complex financial and regulatory environments.
Russell previously served as CEO and Board Director of EFG International’s Cayman Islands wealth management entities. He led the successful commercial, operational, and regulatory turnaround of a multi-entity financial services business with a balance sheet of approximately $10bn. During his tenure, he oversaw major digitisation initiatives, enhanced governance frameworks, improved profitability and successfully completed extensive regulatory remediation programmes.
In addition to executive banking leadership, Russell has advised financial institutions on banking licence applications, FCA authorisations, growth strategies, and governance structures. He has also held senior compliance and conduct risk roles at major international institutions including EFG Bank and Royal Bank of Scotland.
His earlier career included time with the UK Financial Services Authority, practice as a Barrister, and service as an Officer in HM Forces, including operational tours in Iraq, Kosovo and Northern Ireland.
Russell is a qualified Barrister, an Institute of Directors qualified Company Director, and an experienced executive coach with a strong commitment to leadership development, mentoring, and organisational culture.
Core Expertise
Executive & Board Leadership
Pension & Financial Services Governance
Strategic Growth & Transformation
Risk Management & Regulatory Compliance
Financial Crime & AML Governance
Digital Transformation & Operational Efficiency
Conduct Risk & Customer Outcomes
Corporate & Commercial Banking
Governance & Regulatory Licensing
Executive Coaching & Leadership Development
David Hatch has served as a Director of Pathlines Pensions UK Ltd since 2016 and brings over 30 years of experience in the financial services industry. His career spans advisory firms, pension providers, and consultancy practices, equipping him with deep expertise in regulatory compliance and operational governance.
As Chief Operating Officer, David focuses on strengthening Corporate Governance, Risk Management, and Regulatory frameworks across the organisation. He is committed to ensuring that robust systems and controls are embedded at every level of the business.
David thrives in dynamic environments, championing change and building strong, values-driven foundations. His strategic approach keeps customers at the heart of our operations while safeguarding the integrity and resilience of the business.
Ryan Willers is a seasoned financial services professional with over a decade of experience, having launched his career in 2014 as an equity trader. This early exposure to market dynamics and economic forces provided a solid foundation in understanding how financial decisions directly impact investors.
Throughout his career, Ryan has held a range of senior leadership positions, including Head of Private Clients, Treasury, Project Management, Regulatory Reporting, and Executive Director. His broad expertise spans client relationship management, operational strategy, and regulatory compliance, all critical components in delivering reliable and effective pension administration services.
Driven by a commitment to integrity, transparency, and long-term value, Ryan is dedicated to guiding clients through today’s complex financial environment and helping them achieve secure, sustainable retirement outcomes.
Outside the office, Ryan is a passionate runner and cyclist. He brings the same discipline, resilience, and balance from his athletic pursuits into his professional life, reflecting his holistic approach to leadership and client service.
David Zwirn is a highly accomplished sales and business development leader with more than 35 years of experience in fintech and financial services. Throughout his career, he has built a strong reputation for delivering sustainable revenue growth, shaping effective sales strategies, and leading high-performing commercial teams across the UK and international markets.
As Sales Director, David is responsible for leading all commercial activities, driving new business acquisition, and expanding relationships with existing customers and strategic partners. He brings deep expertise in successfully positioning and launching innovative, technology-led financial solutions, underpinned by a thorough understanding of the regulatory and operational complexities of the sector.
David has previously served as Head of UK Fund Sales at Euroclear and has held a number of senior leadership roles within leading fintech and financial services organisations. His extensive industry knowledge, commercial insight, and proven track record make him a key contributor to Pathlines’ continued success and market development.
Coral Harris has been an integral part of Pathlines since its inception, having joined the original team in 2009. With over 20 years of experience in the SIPP industry, she has dedicated the past 16 years to delivering exceptional service to our customers and leading the ongoing development of our administration teams.
As Head of SIPP Service and Administration, Coral plays a key role in shaping the delivery of our customer services. She has been instrumental in building strong relationships with our strategic partners and professional connections, ensuring alignment with our values and service standards.
Coral is passionate about developing her team and empowering them to excel. Her focus on continuous improvement and customer-centric service ensures that each interaction supports our customers on their chosen path to retirement with clarity and confidence.
Stephanie Bird has been a valued member of the Pathlines team for over a decade. Beginning her career with us as an administrator, she quickly progressed through various management roles, demonstrating a deep understanding of our operations and a strong commitment to service excellence.
As Head of SIPP Support, Stephanie works closely with the Head of SIPP Service and Administration to ensure the seamless delivery of our processes and systems. She plays a vital role in optimising operational efficiency, maintaining robust systems, and ensuring our teams are well-trained to manage a wide range of customer transactions effectively.
Known as a trusted source of knowledge within the business, Stephanie is the go-to person for resolving complex issues and implementing practical solutions. Her problem-solving mindset and operational expertise make her an essential leader in supporting both our people and our customers.
stephanie.bird@pathlines.co.uk
Chris Brodrick is an experienced change management professional who has been with company since 2014. As Head of Change, he leads the design and delivery of strategic projects that drive improvement, enhance efficiency, and support the company’s long-term vision.
Chris began his career in the pensions team at Cable & Wireless, where he was responsible for systems administration and contributed to several key projects. His early exposure to project work ignited a passion for change and innovation, prompting him to develop the skills and qualifications necessary to manage and implement business-critical initiatives.
Known for his methodical and organised approach, Chris is driven by a desire to bring positive, lasting change across all areas of the business. His deep understanding of the financial services sector, combined with his hands-on experience in project and change management, allows him to successfully deliver transformation with measurable results.
Sarita Chopra has been with Pathlines for over eight years, leading our compliance and regulatory functions with a strong focus on protecting our customers and upholding the highest standards of conduct as a regulated firm.
As Head of Compliance, Sarita plays a crucial role in ensuring that Pathlines meets its obligations under FCA regulations. She is responsible for maintaining robust systems and controls that safeguard our customers and support the integrity of our operations.
With a calm, methodical approach, Sarita provides the oversight and forward planning needed to keep the business aligned with current regulations and prepared for changes on the horizon. Her work ensures that compliance is not just about ticking boxes but about building a company our customers can trust.
Sarita is passionate about embedding customer-centric thinking into every aspect of our compliance framework, ensuring we remain both accountable and transparent in everything we do.
Oliwia Davis is an experienced People and Human Resources leader with a strong track record in shaping people strategy, strengthening organisational culture and delivering high-impact HR operations across a range of sectors including financial services, healthcare, retail, and commercial organisations.
As Chief People Officer at Pathlines, Oliwia leads the organisation’s end-to-end people function, covering HR strategy, employee relations, recruitment, performance management, employee engagement, learning and development, and organisational design. She plays a central role in ensuring that people practices are aligned with business goals while fostering a positive, inclusive, and high-performing workplace culture.
Oliwia is passionate about creating environments where employees feel valued, supported and empowered to perform at their best. She combines operational excellence with a strong focus on culture, engagement, and leadership capability, ensuring that managers are equipped to lead effectively and consistently across the organisation.
She has extensive experience managing complex employee relations matters, providing trusted advice to managers and senior leaders, and ensuring fair, consistent, and legally compliant HR practices. Her approach balances commercial awareness with empathy, enabling her to resolve sensitive issues while maintaining strong employee trust and organisational integrity.
A strong advocate of data-led people strategies, Oliwia uses workforce insight, engagement data, and HR analytics to inform decision-making and drive continuous improvement. She has successfully delivered measurable improvements in employee engagement through structured feedback mechanisms, targeted action plans, and leadership alignment.
Alongside her core HR responsibilities, Oliwia supports organisational governance and business operations, including workforce reporting, HR metrics, board reporting and executive coordination, ensuring leadership teams have clear and actionable people insights.
We have a dedicated team of service account managers ready to assist you and answer any questions you may have. If they don’t have the answer right away, they’ll find it for you or connect you to our technical support, who deal with more complex queries. Whatever you need, just ask!
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