Tom Kiedrowski, Chairman

Tom Kiedrowski works within the Supervision and Compliance Monitoring Division of the Payment Systems Regulator (PSR). He has worked in a range of strategic and operational roles within the areas of consumer protection, competition policy and regulation for almost 30 years. Tom has extensive senior management experience with exposure to Board-level directors, politicians and senior civil servants having worked at BT, ECTA, Ofcom, Ofwat, Bristol Water plc, the Department of Business, and the Law Society of England & Wales. Tom established the UK Competition Network (UKCN) during his time in the CMA transition team at the Department of Business, Innovation and Skills. He is the Principal Representative for the PSR at the UK Regulators Network (UKRN).

Arnold Pindar, Trustee

Arnold Pindar EURCHEM CCHEM MRSC is past Chairman of Golden Leaves Trusts (2019 to 2025). In 2025 he was awarded “Consumer Champion 2025” at the Chartered Trading Standards Institute’s Annual Awards Ceremony, recognizing his lifetime achievements in consumer protection.

Most of his working life has been directly involved with consumer safety rising to Principal Scientific Officer at the Department of Trade and Industry before taking up a post as Head of Consumer and Societal Policy at the British Standards Institution.

He represented the United Kingdom at European Council and Commission working parties developing safety related harmonisation Directives and has been a member of many British (BSI), European (CEN) and international (ISO) Standards Technical and policy committees. This included chairing and participating in a number of the ISO Committee on Consumer Policy’s consumer protection working groups.

On retirement, he joined the consumer movement chairing the National Consumer Federation (2009-2025) and was President of ANEC, the European Consumer Voice in Standardisation (2011-2019).

Philip Ross-Smith, Trustee

A solicitor for more than 40 years and a partner for 37 years, he retired from legal practice in 2025. During his career, he advised businesses, charities and other organisations across a broad range of corporate, commercial, employment and regulatory matters, as well as representing clients in complex disputes before courts and tribunals.

He founded Camerons Solicitors LLP in 2005 and remained a partner until September 2024, subsequently consulting to the firm until October 2025. Throughout his career, he held a number of senior compliance and governance responsibilities, including roles relating to financial services compliance, anti-money laundering, data protection, and finance and administration.

His legal practice was principally focused on advising owner-managed businesses, commercial organisations and not-for-profit entities. His work encompassed company and business acquisitions and disposals, corporate restructuring, commercial agreements, financing arrangements, employment matters, intellectual property and regulatory issues. He also advised and represented clients in a wide range of commercial disputes. This breadth of experience developed a strong focus on governance, risk, regulatory obligations and the practical resolution of complex commercial issues.

He became a trustee for Golden Leaves in 2026 and is also a trustee of the Faith Truth and Hope Trust.

He holds an LLB (Hons) from the University of Exeter and qualified as a solicitor in 1985.

Giles Payne, Trustee

Giles Payne has been a Professional Independent Trustee for 18 years. His principal area of expertise is corporate pension schemes. He has worked with funeral trusts since 2018 when he was appointed as a trustee to the Avalon Funeral Plan trusts.

He has also served on an Independent Governance Committee for an insurer, so is familiar with the FCA’s business requirements. As a pension trustee, he collaborates with a range of actuaries and is well-versed in the valuation of benefit schemes.

Prior to becoming a Professional Trustee, Giles worked in investment management for 10 years. He previously worked in corporate pensions as a consultant.

Clive Maudsley, Trustee

Clive is a Fellow of the Institute of Chartered Accountants in England and Wales and the founder of CSM Financial Consultancy Limited, through which he provides fractional CFO and Finance Director services to SMEs and scaling businesses. He was appointed a Trustee of the Avalon funeral plan trusts in April 2020, having previously acted as Audit Engagement Partner for Avalon at Baker Tilly and UHY Hacker Young.

He qualified as a Chartered Accountant in 1991 and spent twelve years in practice as a partner at both firms, latterly as Head of Audit and Technical, leading complex group audits for clients ranging from owner-managed businesses to listed companies and taking responsibility for the technical review of high-risk engagements. Since 2012 he has held senior finance roles across manufacturing, engineering, distribution and investment management, including Finance Director and Compliance Officer of an FCA-regulated investment management company.

That combination of audit leadership, regulatory compliance and hands-on financial management shapes his approach as a Trustee. He brings long familiarity with the business alongside rigorous financial scrutiny, conducting regular operational audits, reviewing financial resilience and reporting, and ensuring FCA obligations are met — all directed at protecting the interests of plan holders.

Jonathan HH Mounsey FCA, Trustee

Jonathan Mounsey is a Chartered Accountant. Having trained in Liverpool he spent a number of years gaining wider experience in London, eventually specialising in Tax Advisory work before returning to Liverpool and becoming a Partner in a Mid-Tier firm of Chartered Accountants.

His role there was a mixture of Tax Partner, Client Advisory Partner and for many years Local Managing Partner and Member of the National Management Board of PKF (formerly Pannell Kerr Forster).

Jonathan’s experience in these varied roles has given him a strong background in focusing on the protection of businesses and investors through strong controls, attention to detail and adherence to watertight but practical systems within businesses.

Jonathan has a small accountancy sole-practice and is the senior Director of a Family Company operating a popular, mainly seasonal pub on the North Wales coast.

Amanda Williams, Trustee

Amanda has over three decades of experience gained in financial services and corporate communications. Starting her career at UBS, she worked in several areas of the bank including eurobond syndication, international equity and the gilt edged desk. She then joined Shell Pensions where she was a member of the team that managed the $7bn in house pension fund before joining Dresdner RCM Global Investors as an investment manager with a portfolio of unit trusts and discretionary pension funds.

Amanda left the buy side and moved into a corporate advisory role at an investor relations company advising FTSE100, Mid Cap and Small Cap clients how to effectively manage their communications with their stakeholders.  She then set up her own communications consultancy which she ran successfully for a decade before selling to a PR company.

In recent years, Amanda has worked in the public sector, initially at the Cabinet Office in a cross public sector/local authority stakeholder relations and communications role. And most recently, at the Bank Of England, in the financial stability and strategy directorate, before undertaking a secondment at the International Monetary Fund (IMF) and then working in the international banking supervisory and regulatory division.

David Dinwoodie, CA

David Dinwoodie has been the Managing Director of a Single Family Office since 2015.  He is responsible for direct investments and is a board member or observer of companies across sectors as diverse as biotech, financial technology, clean energy and commercial real estate in the UK, Europe and US.

David invests in private equity and venture capital funds as well as with more traditional wealth managers.  In addition to his experience of investing in public markets, he was brought in to serve as CEO of an AIM listed business to complete a strategic review and capital raise.

An experienced executive with over 20 years spent working across Big 4 Accounting and FTSE 100 companies and advisory roles.  David is a Chartered Accountant by profession having trained with KPMG before moving to Deloitte’s flagship Private Equity team in 2006 to work with clients such as Blackstone, Silver Lake and 3i Group.  He also spent three years responsible for Group Strategy at a leading FTSE 100 company.

David Dinwoodie comments on this appointment as a Trustee…

“I accepted the responsibility of becoming a trustee of Golden Leaves because of the company’s drive and focus to continually raise standards of consumer protection.  As an independent trustee I will help to ensure that the money within the trust is invested in the best interest of the plan holders.” 

Steve Rowland, Trustee

Steve Rowland provides the valuable link between the funeral industry, the Golden Leaves company, and the Golden Leaves Trust. He brings a vast wealth of experience and capability. He is the Chairman of Golden Leaves Funeral Plans, Rowland Brothers group of funeral directors and Rowland Brothers International – a globally recognised repatriation provider.

His previous roles include Chairman of the National Association of Pre-Paid Funeral Plans (NAPFP) between 2000 and 2005; an industry representative of the Joint Steering Group for the development of the Funeral Planning Authority (FPA); and director of the FPA from 2002 to 2005. In 2023 Steve as was instrumental in developing the current trade association of funeral plan providers the NAFPP – he was installed as its inaugural Chairman. The NAFPP campaigns for a stable and sustainable future for funeral plans and provides a communication funnel between the majority of funeral plan providers, the FCA and the funeral industry.

Steve has witnessed both the best and worst of what the industry has to offer, and offers a highly knowledgeable link between Golden Leaves, funeral directors, and ultimately, the customer.

“Whether investing in a pre-paid funeral plan or dealing with the tragedy of losing a loved one, any customer is potentially vulnerable and therefore needs to be provided with the greatest levels of protection and reassurance. At Golden Leaves, our focus is on putting our customers first, at every level – including our own board of trustees who have a significant background in Consumer Protection.”

Keith Graham, Trustee Consultant

Keith is a highly experienced trustee with many years operating within the financial services sector. Now retired and having been a fully qualified member of the Society of Trust & Estate Practitioners, Keith is able, from an independent perspective, to supplement and broaden the knowledge base of the Board of Trustees.

With his detailed knowledge of the issues affecting trusts, he also provides operational oversight of the appointed independent investment managers and advisers, helping to ensure the Trustees understand the decisions they are being asked to make.

With a strong corporate governance background and knowledge of financial regulation, Keith plays an integral role in ensuring that all the requisite controls are in place.