Carolyn has spent over 25 years working in the pension industry. She started her career with an actuarial company and realising the actuarial life was not for her moved to an in house role with British Airways Pensions. She later joined PwC focusing on strategy and change management in the pensions industry. She then spent 13 years at Fidelity International working in proposition design and management, heading up the corporate proposition team and latterly as Head of Pensions Product and Policy, where her and her team were responsible for the development of Fidelity’s pension and retirement products and services in the UK and for defining Fidelity's pension policy and retirement thought leadership, with colleagues around the globe to provide fresh insight into the ever more complex issues with customers face in saving for and living in retirement. Carolyn joined Money and Pensions Service in January as Head of Pensions Policy and Strategy.