Caroline Walton
Amberline Consulting
Board-level financial services leader helping firms navigate regulatory complexity, transformation and strategic change
Non Executive Director | Chair | Strategic Advisor

What I Do
I support regulated financial services, fintech and consumer finance organisations through periods of growth, transformation and regulatory change.Non-Executive Director and Board advisory roles, with a focus on governance, regulated environments and purposeful growthStrategic leadership support for firms navigating complexity, stakeholder scrutiny and organisational changeCorporate affairs and regulatory engagement, including board, investor and stakeholder communicationsCommercial and transformation advisory across customer strategy, growth and operational scalingSupporting leadership teams through regulatory challenge, remediation and Section 166 review
How I Work
- Calm, structured and pragmatic leadership
- A relationship-first approach to commercial strategy
- Strong blend of commercial, governance and communications expertise
- Constructive challenge combined with collaborative working relationships
- Focused on long-term resilience, customer outcomes and sustainable growth
Who I Work With
Fintech, consumer finance and regulated financial services businessesValues-led organisations in regulated industriesBoards, founders and executive teams who value integrity, thoughtful growth, and purpose
Experience Highlights
Chair and Non-Executive Director experience across regulated consumer finance and fintechNED experience of AI-Led consumer lending businesses, including customer facing and productivity with distributed technology operations.Former Chair of the Consumer Finance AssociationExtensive experience operating in FCA-regulated and high-scrutiny environmentsCommercial, governance and corporate affairs leadership across periods of growth, transformation and regulatory changeDeep expertise in stakeholder engagement, strategic communications and regulatory alignmentStrong track record supporting leadership teams through complex operational and reputational challenges
Expertise
Experienced NED and Chair - FCA Approved Person - Corporate Affairs Professional -
CEO Experienced - Consumer Finance Leader - AI & Technology-led Financial Services
Recommendations
"Caroline balances decisive and pragmatic leadership alongside empathy. I had the pleasure of supporting her with developing one of her leadership teams. She is highly committed to supporting her teams and enabling people to bring their best. Caroline takes her responsibilities as a leader seriously and is driven by a commitment to create a positive working culture where people can flourish. I look forward to continuing to work with Caroline in the future."
Amy Reynolds - Team Flair
"Caroline is an accomplished financial services executive with a range of skills that would be hugely valuable to any organization. As industry peers I admire and respect her ability to consider a broad range of issues to arrive at the best solution. Always professional, she was always mindful of customer and company culture issues when setting the agenda."
Chris deBoer - CEO and NED Gain Credit
"Anyone fortunate enough to work with Caroline will find her to be an inspiring and supportive leader. She has a special understanding of people and brings out the best in her colleagues. I worked with Caroline during a period of turbulence and intense pressure. Throughout this time Caroline was focused on the task, sensitive to the pressures of the job and was held in very high regard by subordinates and seniors alike. She has a strong understanding of commercial environments and is a trusted adviser at the most senior levels. Caroline was an excellent President and ambassador for the CFA. "
Russell Hamblin-Boone - CEO of Civil Enforcement Association
Awards and Training
Chartered Institute of Management Accountants 1999
Chartered Secretary & Administrator 2005
Association of Business Mentors 2025
Highly commended business leader - Women in Credit Awards 2019
Long Term Credit Strategy Top 100 influential People