Alex Kosuth-Phillips

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Compliance & Customer Service Manager

To oversee compliance function across the groups, making sure everything customer- facing is in line with the regulations set by regulatory bodies.

Time in finance: 10+ years

Alex Kosuth-Phillips – Compliance & Customer Services Manager

Alex is thimbl.'s Compliance and Customer Services Manager. His role consists of ensuring everything customer-facing is in-line with the regulations set out by the Financial Conduct Authority (FCA) and the Information Commissioners Office (ICO). Alex makes sure that thimbl. meets its regulatory obligations, creates policies and procedures for the business, and ensures these are followed correctly.

Alex has worked in financial services for over 10 years and has financial compliance experience in paid media marketing, social media marketing and digital operations. Alex's other duties include regulatory compliance, compliance monitoring and data protection/privacy.

Alex has completed various Financial Regulatory certificates including "Digital Media Under the FCA Qualification."

Providing clarity and transparency to our customers is a top priority – with this in mind, Alex also pioneered thimbl.’s partnership with the Debt Charity StepChange. Alex liaised with StepChange to help publish an online questionnaire to help potential thimbl. customers who wanted to assess their financial situation, gain access to free professional advice, and review their Money Health. The online form can be found here:

As seen on the BBC, Alex shares his knowledge and insights on avoiding financial fraud and how to spot and prevent scams. Alex has also been featured in numerous news articles, and these can be found below:

Alex's thimbl Contributions

How Do Credit Cards Work?

Are Credit Cards Good for Credit Score?

Do Credit Card Accounts Close Automatically?

Alex in the press

https://www.little-loans.com/little-loans-bbc-morning-live

https://www.express.co.uk/finance/personalfinance/1640410/loan-scams-warning-cloning-little-loans

https://www.edinburghlive.co.uk/news/experts-issue-urgent-warning-amid-24396220

View Alex's LinkedIn Profile here

Fun facts: Alex is a big fan of mountain biking and loves to build Lego in his spare time (his creations are proudly displayed in our office!). His favourite Lego kit to date has been the F1 car, which took 11 hours to assemble!

Alex's financial article contributions

We are dedicated to looking after our customers, thats why we have partnered up with StepChange.

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45.5% APR Representative (variable)

* To build your credit rating and to be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay at least your monthly minimum payment on time. Not doing so could harm your credit rating and make obtaining credit more difficult.

** Under section 75 of the consumer credit act 1974 credit card purchases over £100 are protected in some circumstances.

The thimbl. credit card and the thimbl. Loan are issued by Vanquis Bank Limited. Digitonomy Limited (trading as thimbl.) is a credit broker not a lender, and provides its services to Vanquis on an exclusive basis in respect of each of these products. Digitonomy is paid commission from Vanquis for these services. If Vanquis are unable to provide you with one of these products, Digitonomy will try to find you an alternative product and will receive commission from the provider of that product if you enter into an agreement for it. Digitonomy's registered office is: Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. Registered in England and Wales, under company number 08385135. Digitonomy is authorised and regulated by the Financial Conduct Authority, and is entered on the Financial Services Register under reference number 690249. Licenced by the Information Commissioners Office, (registration number ZA007309).

Vanquis Bank can be contacted at its registered office, which is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 02558509 England. VAT number 180555952. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 221156).

All rates are variable after their applicable introductory period. If no introductory period applies the rate(s) is/are variable from the date of the agreement. All applicants must be aged 18 or over and resident in the UK. Credit is available subject to status and conditions.