Andrew Freeman - Director

Andrew Freeman is the former Director of Demos Finance and Managing Director of Cambridge Research Associates, which provides research and thought leadership services for professional services firms. Prior to this he was Executive Director at the Centre for Financial Services at Deloitte and a founder member of McKinsey & Company‚Äôs risk practice. A Risk Fellow at the Cambridge Judge Business School, Andrew is also a former banking editor of the Economist. In 2013, he wrote the report 'Finance for Growth', and in November 2014 launched the first Finance Foundation report, 'Heroes or Zeros'. A regular commentator in the media, including Radio 4's Today programme, Andrew can be viewed here discussing risk complexity.


Senior Associates


Hilary Cooper

After a masters in economics and a short period as a banking intern, Hilary joined the government economic service as a labour market analyst before moving into senior policy and operational roles, including four years as Director of HR and Diversity. She began her freelance career in 2011, working on retail finance regulation for Demos Finance 'Putting Customers First', publishing a major report in 2016 on financial exclusion in later life "When I'm 84". Locking the Door on the Older Old: the Challenge Facing Britain's Banks and working with the Chartered Banker Institute on progression barriers: Diversity: Pay, Progression and Gender. In July 2019 Hilary was co-author of Incentivising an Ethical Economics joint first prize winner in the inaugural IPPR economics prize.




James Daley

James Daley is a consumer rights campaigner, award-winning financial journalist and founder of the consumer group, Fairer Finance. James spent the first decade of his career in the newspaper industry, including five years at The Independent, where he was the Personal Finance Editor. He went on to spend four years working for the consumer group, Which?, before setting up his own company, Fairer Finance, which ranks banks and insurers based on how well they treat their customers.


Patricia Hamzahee

Patricia Hamzahee

Patricia specialises in promoting social enterprise and responsible investing as founder and principal consultant of Integriti Capital. She brings over 20 years experience of financial markets and strategic communications expertise having led the Financial Services practice in London for two leading communications consultancies as well as spending 15 years in global investment banking, as a senior European Debt Capital Markets executive and overseeing international communications. She is a member of the Responsible Investment Advisory Committee of the BVCA, chairs the Development Board of the Black Cultural Archives, is Chair of Friends of International House and a trustee of The Student View.




Peter Norris - Chairman of Virgin Group. 

Jodie Ginsberg - CEO, Index on Censorship

David Goodhart - Chair of Demos's Advisory Group

Samuel Hinton-Smith - Head of Government Relations and Public Policy, Santander