Spotlight Series

Plenitude offers the opportunity for you to achieve rapid career progress and personal growth through engagements that build specialist skills and are of economic and social importance. Hear more about life at Plenitude from our talented team members.

Joby Carpenter, Senior Manager

How long have you worked at Plenitude? What do you do here? 

I joined Plenitude as a Senior Manager in September 2021, my first time working in the private sector.  Previously I had always been in the public sector, either with the civil service, security agencies or, most recently, at the financial services regulator the FCA.   

My role at Plenitude is remarkably varied.  I combine a mixture of client facing work, particularly risk analysis against money laundering and terrorist financing, with my broader role as a subject matter expert on financial crime themes and trends. 

How has your role changed since you’ve been at Plenitude? What have you learned? 

Despite joining during lockdown, I have been able to get to know members of the team quickly and bring my particular experience from the public sector to bear on projects.  There is good communication across the firm, and I have really enjoyed the chance to work on projects where I have had the opportunity to spend some time “face to face” with clients.  Additionally, getting to work directly with people like Barbara Patow, who as an ex-MD of HSBC brings an insider’s perspective of how financial institutions approach their responsibilities, means we can better support clients with tailored products and services. 

What do you like about working at Plenitude? 

Every day is a school day.  I’m from a different background than many of my colleagues and with every interaction I learn more, and how my skills and background can complement Plenitude and its engagements.  Understanding how we can help our clients operationalise and put our knowledge into practice practically and effectively is something that I pick up from my mentors at the firm. 

I am very excited about further developing our Threat Intelligence Function.  This will help our clients help themselves by understanding the nature of financial crime better, the risks, how it manifests itself and how to prioritise mitigating activity.  

What’s your next step, or a few goals you’d like to accomplish in life or while with Plenitude? 

I would like to continue to develop the range of tools that we use to fight financial crime, such as typological reports and red flag indicators, and to help our clients use them well and effectively.  In previous roles I was on the front line of that fight and was lucky enough to work with intelligence agencies and professionals around the world – and was honoured to be asked to visit the White House on one of my working trips.  Having carried out original research on: the dark web, money laundering through the capital markets, insider dealing, cryptoassets, hedge funds and private equity, cyber-enabled market abuse, withholding tax fraud (cum ex), fraudulent investments and multiple other financial crime typologies used by organised crime groups, I see the work we are doing at Plenitude as a natural continuation of that effort. 

What motivates you to wake up and go to work? 

With the work we do, the threat changes every day. Financial institutions are always looking at ways to use new technologies, but so are the criminals.  I think we’re going to get to do some really exciting, innovative stuff helping cryptoasset firms and other financial institutions who are dealing with new technology to try and stay ahead of the curve, and actually do something tangible to reduce the risks. 

What are your hobbies outside work? 

My wife and I have a three and a half year old little girl at home so that keeps us pretty busy.  We are lucky enough to live in Manchester, on the edge of the Peak District.  I am a budding cyclist, so I really enjoy getting out on my bike into beautiful countryside quickly.  


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