Who we work with
The Pensions Dashboards Programme (PDP) works closely with a wide range of organisations to deliver dashboards. This includes public sector bodies and the pensions industry.
By engaging with a range of partners, PDP keep those with an interest in pensions dashboards up-to-date, offering opportunities for feedback and collaboration.
Money and Pensions Service
The PDP is part of the Money and Pensions Service (MaPS) who are responsible for delivering dashboards.
MaPS are also creating a pensions dashboard for everyone to use. The dashboard will be part of the support MaPS offers to consumers about pensions, which includes MoneyHelper and a Pension Wise. These services aim to help people understand their pensions from the start of their working life right through to retirement.
The Department for Work and Pensions (DWP) and Department for Communities (Northern Ireland)
DWP and the DfC (NI) are responsible for the regulations around pensions dashboards. It details the requirements of occupational pensions schemes, setting out what data they must send to dashboards.
Legislation also determines the conditions dashboards will have to meet to be a qualifying dashboard service.
Financial Conduct Authority
The Financial Conduct Authority (FCA) are responsible for the the rules setting out the dashboard connection and data provision requirements for personal and stakeholder pension providers. They are responsible for ensuring providers comply with these rules.
FCA are also responsible for authorising potential pensions dashboards providers and the rules for firms providing pensions dashboards service.
The Pensions Regulator
The Pensions Regulator (TPR) are responsible for ensuring the trustees and managers of occupational pension schemes comply with their duties to connect to the pensions dashboards ecosystem, match dashboards users to their pensions, and return pensions information to their dashboard.
TPR has published guidance to support schemes with their dashboards duties and their compliance and enforcement policy.
Information Commissioner’s Office
The Information Commissioner's Office is the regulatory body that upholds information rights and enforces compliance with the UK General Data Protection Regulation (UK GDPR). This covers the use and storage of personal data.
Using a pensions dashboard will involve the transfer of small amounts of an individual’s personal data between dashboards and data providers, which will all take place within the parameters permitted by UK GDPR.
Pension providers and schemes
Pension providers and schemes are responsible for ensuring their members’ data is accurate, up-to-date, and not disclosed without member authorisation. Pension provider and schemes are responsible for setting their data matching criteria and for management of the risk of mismatching. The provider or scheme is also responsible for returning the correct data to the user at their dashboard.
Some pension providers and schemes may choose to outsource their duties to connect to the pensions dashboards ecosystem to an integrated service provider (ISP). However, all the responsibilities for compliance remain with the pension provider or scheme, as the data controller and regulated entity.
Financial Ombudsman Service
The Financial Ombudsman Service was set up to help consumers resolve problems with regulated financial businesses.
It can consider complaints about financial businesses and has the power to put things right if customers are treated unfairly. It will be able to deal with complaints against providers of personal pensions and dashboard providers.
The Pensions Ombudsman
The Pensions Ombudsman offers a free and impartial service to help people resolve their occupational (employment-linked) or personal pension scheme disputes.
The Pensions Ombudsman can consider and investigate complaints about the maladministration of pension schemes.
Pensions Dashboards Advisory Group
The advisory group provides input on a range of issues that are important for the success of pensions dashboards. The members represent a range of organisations involved in the different stages of delivering dashboards. This includes pension providers and schemes, administrators and integrated service providers.
The group have also provided updates in our progress update report.
- David Cheetham – Associate Principal (Brightwell)
- Dominic Lindley – Consultant (Money Saving Expert)
- Geraldine Brassett – Senior Consultant (Willis Towers Watson)
- Chris Connelly – Chief Strategy Officer (Heywood Pension Technologies)
- Sam Seaton – Independent Consultant
- Lisa Picardo – Chief Business Officer (PensionBee)
- Matt Burrell – Senior Public Affairs Manager (Pheonix)
- Paddy Greene – Head of Money Policy (Which?)
- Yvonne Braun – Director (ABI)
- Mark Jones – Senior Propositions Manager (NEST)
- Phillip Brown – Head of DC (Pensions UK)
- David Poynton – Product Manager (Pension Fusion)
- Andrew Lowe –Senior Partner (Capita)
- Kim Gubler – Director, (KGC Associates)
- Claire Neale – Head of Police Pensions (National Police Chiefs' Council)
- Will Lovegrove – Independent Consultant
- Graham Peacock – Retirement Proposition Lead (FNZ Group)
Directly connected organisations
PDP work closely with around 20 directly connected organisations who are building connections to the dashboards ecosystem. Their feedback has informed the PDP standards and they also help refine and test the connection processes. Their participation and feedback is making sure that connection is as smooth as possible for schemes and providers across the industry.
| Industry participants | ISP | Administrator | Pension provider or scheme |
|---|---|---|---|
| Aptia | No | Yes | No |
| Aviva | No | Yes | Yes |
| Bravura/Delta | Yes | No | No |
| Capita | No | Yes | No |
| Civica | Yes | No | No |
| Collegia | No | No | Yes |
| CTC Pensions Technology | Yes | No | No |
| Dunstan Thomas | Yes | No | No |
| DWP State Pension | No | No | Yes |
| Equiniti | No | Yes | Yes |
| Heywood | Yes | No | No |
| Legal & General | No | Yes | Yes |
| Omniphi | Yes | No | No |
| Origo | Yes | No | No |
| Penfold | No | No | Yes |
| Pension Fusion | Yes | No | No |
| People's Partnership (B&CE) | No | No | Yes |
| Procentia | Yes | No | No |
| Royal London | No | No | Yes |
| Smart Pension | No | No | Yes |
| SS&C | Yes | No | No |
| TCS | No | Yes | Yes |