Our People

At NOW: Pensions, we believe that our staff should reflect and represent the ethos of our business: Simplicity, Transparency, and Accountability.

With decades of experience under their belts, the NOW: Pensions Executives and Board of Trustee Directors are able to provide our business with knowledge, expertise and guidance to make sure you get the best pension provision possible best suited for your business and employees

Based on our expertise and knowledge we are able to offer you and your employees a pension that takes your business into account, taking away the burden so you can focus on what you do best – your business.

We exist to make the most of your money for your, and your employees’, benefits. It’s our commitment to make sure that the long-term investment of providing a workplace pension for your employees will deliver returns for you and your employees

We do this with utmost sincerity and honesty – never forgetting that it’s your money, your life and your business – we go to work to protect.

A recent OECD report revealed that UK pensions have delivered some of the worst returns, with the average saver having lost money every year from 2001-2011. This highlights the need for a change of thinking throughout the industry. The team at NOW: Pensions is here to lead the way.

For more information on our Executives and Board of Trustees, take a look at the individuals below.


Commercial Board


Trustee Board

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Henrik Ramlau-Hansen

Non-Executive Chairman

Henrik Ramlau-Hansen
Non-Executive Chairman

Henrik Ramlau-Hansen has extensive experience in the financial services sector and was CFO of Danske Bank between 2011 and 2016. Prior to that he was CEO of Danica, one of the largest commercial pension funds in Denmark, between 2000 and 2010. Before joining Danica, Henrik was an associate professor in actuarial sciences at the University of Copenhagen. In September 2016, Henrik was appointed Chairman of the Danish FSA.

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Morten Nilsson

Chief Executive

With the support of parent company, Danish pension fund ATP, Morten was responsible for setting up NOW: Pensions in 2011. He has been instrumental in all aspects of the company’s evolution; establishing the proposition, devising the strategy and executing the business plan.

Prior to NOW: Pensions, Morten was Vice President and Head of International Operations at ATP. He has over 20 years’ experience in the financial services sector predominantly within business development, operations, strategy and transformation.

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Troy Clutterbuck

Chief Financial Officer

Troy is a Chartered Accountant with over 20 years’ experience in the financial services sector.

Having started his career with KPMG in his native Australia, Troy has spent the last 16 years in the UK working firstly for HSBC and then JLT Group where he spent nearly 15 years in a variety of senior roles including M&A, Strategy and latterly as CFO of the UK Employee Benefits business and Regional CFO for Latin America and Canada.

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Nigel Waterson

Chair of Board of Trustees, NOW: Pensions

Nigel Waterson was Conservative MP for Eastbourne from 1992 to 2010. He served as Shadow Pensions Minister for seven years. Nigel was also a long-standing Chairman of the All Party Group for Older People. He is currently Chairman of the Equity Release Council and a Governor of the Pensions Policy Institute. Nigel is a Trustee of the International Longevity Centre and is also a member of the Council of the Society of Pension Professionals.

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Jocelyn Blackwell

Trustee Director, NOW: Pensions

Jocelyn has over 30 years’ experience in the pensions industry. In 1987 she founded Dunnett Shaw, a management consultancy that specialised in advising clients on pension administration processes, systems and outsourcing. The business merged with Higham Group in 2005 to form Higham Dunnett Shaw, which was sold to Capita in 2007.

Jocelyn was also the founder of the industry-wide body Raising Standards in Pensions Administration (now PASA) and chaired it for four years. She was the winner of the “First Woman of Finance Award” in 2005. She is currently Non-Executive Director at Inside Pensions, a specialist firm that provides independent scheme secretarial services to trustee boards.

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Chris Daykin

Trustee Director, NOW: Pensions

Christopher Daykin CB, Hon DSc, MA, FIA, FSA, Hon FFA, was the Government Actuary of the UK from April 1989 to September 2007. He qualified as a Fellow of the Institute of Actuaries in 1973. Employed at GAD from 1970 to 2007, he worked for UK and many international clients on pension fund consultancy, population projections, social security, national pension policy, pension reform, risk management and the supervision of insurance companies and pension funds.

Chris is now an independent consultant and has a variety of appointments, including Chairman of Trustees of the Arts Council Retirement Plan and member of the Prudential Assurance Company with profits committee. He was President of the Institute of Actuaries 1994-96 and Chairman of the International Forum of Actuarial Associations (the predecessor of the International Actuarial Association) 1996-97. He is currently Chairman of the European Actuarial Consultative Group, the umbrella organisation for all the actuarial associations in Europe, and Chairman of the Pensions, Benefits and Social Security Section of
the International Actuarial Association.

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Lord Monks

Trustee Director, NOW: Pensions

John Monks (Baron Monks) is a member of the House of Lords and was the General Secretary of the Trades Union Congress (TUC) in the UK from 1993 until 2003, when he became the General Secretary of the European Trade Union Confederation (ETUC).

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Win Robbins

Trustee Director, NOW: Pensions

Win has over 30 years’ experience in the Financial Services industry and holds a number of appointments. She is Non-Executive Director of Alliance Trust plc and City Merchants High Yield Trust and a Non-Executive member of the St James’ Place Partnership Investment Committee. She is also
a trustee of the Institute of Cancer Research Pension Fund.

Prior to this Win held a number of senior roles in the Asset Management sector, she was Managing Director and Head of Pan-European Fixed Income at Credit Suisse Asset Management, Managing Director and Head of non-US Fixed Income at Citigroup Asset Management, Managing Director and Head of European Fixed Income at Barclays Global Investors, from which appointment she retired in 2008.

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Bo Foged

Non-Executive Director

Prior to becoming the Chief Financial Officer (CFO) and Chief Operating Officer (COO), Pensions & Investments, ATP Group in January 2015, Bo Foged was CEO of the BankInvest Group, one of Denmark's largest asset management and investment products providers. Bo was CEO of BankInvest since 2011 and was hired as CFO of BankInvest in January 2009, coming from a position as CFO of Carnegie Bank.

He holds an MSc in Business Economics and Auditing and has written books on and taught strategic financial management.

Professional Experience
2011 – 2015 Chief Executive Officer (CEO), BankInvest Group
2009 – 2011 Chief Financial Officer (CFO), BankInvest Group
2005 – 2008 Chief Financial Officer (CFO), Carnegie Bank
2003 – 2005 Ressource Management Officer, Verdensbanken
2001 – 2003 Project Director, Nycomed
1997 – 2000 Finance Manager, Accenture
1994 – 1997 Auditor, PriceWaterhouseCoopers

Over a short period of time, NOW: Pensions has established itself as a respected and credible player in the UK workplace pensions market attracting thousands of employers and hundreds of thousands of members. Joining the team at such a crucial time… — Jocelyn Blackwell, Founder of Dunnett Shaw and Raising Standards in Pensions Administration
We decided to appoint NOW: Pensions because of the simplicity and robustness of its scheme. The NOW: Pensions product is both cost effective and straightforward to implement... — Mark Roberts, Managing Director at gap personnel
ATP comes to the UK pensions world with the highest commendations from the Danish trade unions, employers and government. NOW: Pensions' offering in the UK will be high quality, low cost, and honest and I'm proud to be associated with it. — John Monks, member of House of Lords and former General Secretary of ETUC and TUC
NOW: Pensions' risk management and diversified growth fund are state of the art. — Win Robbins, former Head of European Fixed Income Barclays Global Investors
I'm excited by the opportunity to help bring to the UK auto-enrolment market NOW: Pensions, a customer-friendly and responsive trust-based alternative to NEST and to contract-based offerings. — Chris Daykin, the former Government Actuary