Caroline joined the Commission in February 2008 as Assistant Director in the Insurance Division, and was appointed Deputy Director in the Banking and Insurance Division in October 2011. She moved to the Authorisations and Innovation Division in February 2020 and was appointed co-Director in October 2021. Caroline graduated in Economics from the University of Manchester and completed a graduate training programme with a UK insurer. She then became a Loss Adjuster before moving to Guernsey in 1994 and spending 14 years in the local insurance industry prior to joining the Commission. Caroline is a former President of the Insurance Institute of Guernsey and chaired the Captive Insurer Drafting Group of the International Association of Insurance Supervisors which published the Application Paper on the Regulation and Supervision of Captive Insurers in November 2015.