Meet the CCICM Team

Carl Hackman


Carl Hackman is the Strategic & Compliance Director of CCICM and the CEO of the unique International Credit Exchange (ICE) Partnership. Prior to this for many years Carl was a barrister in private independent practice. He specialised in prosecuting and defending cases of serious financial fraud. Carl’s legal career also included a significant amount of international commercial fraud including serious and high-value money laundering.

Carl joined CCICM in 2005 and, after 10 years, was instrumental in setting up the International Credit Exchange (ICE) the largest collection agency network in the world which coves over 100 countries. Carl is instrumental in the strategic implementation of many new core and ancillary services to grow both CCICM and ICE.

Paul Hackman


Paul Hackman is a Company founder and has been a CCICM Director for the last 30 years. Although currently in charge of UK Collections, Paul works closely with all departments to ensure the entire process from Sales through to Litigation is as seamless as possible. Paul overseas all new debt portfolio’s to ensure quality of data and to establish collectability, portfolio training, pre-authorisation limits and data reporting. Paul also overseas the collection processes and the post collection process to ensure CCICM improve on future collections

Paul regularly meets with our international partners, and attends conferences to ensure compliance with best practice in both the UK and Internationally.

Witold Chojnowski

Sales Consultant (UK)

Witold Chojnowski is a UK Sales Consultant and is responsible for CCI Receivables Recovery (CCIRR), an in-house division of CCICM formed in 2018 to offer specialist services to the banking, accountancy, and insolvency sectors. CCIRR provides Account Review, Collect-Out, and Credit Management Advisory support.

Witold is a hugely-experienced and highly-regarded consultant with a reputation for relationship-building and reciprocity,. Witold retired as a department head of a ‘Big Four’ UK accountancy firm after 30 years however, having known CCICM as both a supplier and a client for over 10 years he was keen to remain active in recoveries.

Graeme Harley

Head of Credit Management Advisory Services and Recoveries

Graeme Harley is a UK Sales Consultant and works closely with Witold Chojnowski to promote CCICM and ICE into potential new markets in the Asset-Based Lending (ABL) and Insolvency Practitioner communities.

Graeme has spent his working life-time in UK and international debt recovery and has 22 years with a major High Street and investment bank; three years with a collection agency looking after banking clients; and 10 years with a top-10, independent audit, tax, and consulting firm.

David Radcliffe

Sales Operations

David is CCICM’s new Sales Operations Manager, appointed to refresh CCICM’s Sales and Marketing model, implement a new CRM system, and overhaul CCICM’s Marketing Channels.

David is a senior sales professional with a proven track record in IT sales, sales operations and business development, working for and with IBM, EMC and DELL. David has extensive experience in developing solutions, bridging the gap between ‘vision’ and ‘delivery’ and pioneering creative thinking in generating Business Cases to deliver new incremental revenue.

David has an experienced background in managing teams, mentoring individuals and delivering against targets.

An individual with impressive communication skills. An excellent negotiator and a demonstrable record of working successfully at CXX Level.

Gillian Kaufman

In-house Senior Legal Counsel

Gillian Kaufman is CCICM’s first in-house senior Legal Counsel and Head of Litigation, appointed to manage its high-value recovery cases. Gillian focusses on insolvency litigation for both new and existing, UK and global clients, in the commercial and corporate sectors.

The experience Gillian brings to CCICM covers contentious, non-contentious and formal insolvency cases, as well as informal re-structuring, turnaround, re-financing arrangements, and advising distressed businesses. Previously she was a partner of a top-100 UK law firm and the head of its Insolvency and Corporate Recovery Department office.

Keith Allmark

Trade Credit Insurance and Sales Manager

Keith Allmark is CCICM’s trade credit insurance specialist and Sales Manager to our major commercial clients whom are mainly in the financial services sector. Keith is a senior manager at CCICM and has a wealth of knowledge of the core business and the wider industry. Keith plays a major part in continual client care and regular compliance updates which we believe are vital in both acquiring new, and retaining existing clients which are managed through rigorous internal procedures.

Prior to working at CCICM, Keith worked in sales and the partner programme for a payment service provider offering a secure gateway for internet transactions. He also worked for a company which specialised in the buying, brokerage, and selling of computer equipment between major suppliers and multi-nationals. Keith holds an Institute of Leadership & Management Level 5 in Business Management.

Mike Connolly

Sales Consultant UK

CCI Credit Management (CCICM) has partnered with a hugely experienced and highly regarded consultant to support our already successful service in Overseas Debt Recovery. Mike Connolly has specialised in this area for over 25 years and brings with him a depth of knowledge and experience.

Mike is Principle Author of the Central Law Training Specialist Paralegal Qualification in Debt Recovery (accredited by the University of the Strathclyde and the University of the West of England) and is a regular ‘keynote’ speaker and broadcaster on credit control and debt recovery matters throughout Europe. Mike also chairs several major UK debt recovery conferences and to date nearly 50,000 individual delegates have attended one of his training courses in debt recovery.

In addition Mike’s 22 years experience in training debt recovery teams in all aspects of credit control, debt recovery and related law, will be key to ensuring the CCICM collections team are continually trained and work within these very challenging guidelines.

Rebecca Davies

Office Manager

Rebecca Davies is CCICM’s Office Manager, responsible for ensuring the utmost quality in every aspect of our business. Rebecca is a senior manager and has worked for CCICM for ten years, overseeing ISO27001 and ISO9001 implementations as well as the BAU governance of monitoring auditing and re-certifying.

During her time at CCICM, Rebecca has been a collector of high-value cases and portfolios, Consumer Collections Manager, Litigation Manager, Quality Manager, and Human Resources officer due to her academic qualifications in employment law (including the Legal Practice Course at a law school) and has successfully completed a course with the Institute in Leadership and Management.

Lucy May Assoc CIPD

HR Manager

Lucy is a fully qualified Human Resource Manager at Assoc CIPD level and joined CCICM in July 2019. Lucy has proven ability to contribute to a company at both a strategic and operational level and is experienced in all generalist HR functions including recruitment, training, employee relations, reward and recognitions programme. Lucy is qualified at Masters’ degree Level 7 in Human Resources CIPD.

Sarah Holmes

Client Care Manager

Sarah Holmes is CCICM’s Client Care Manager. Her department provides expert support to all of our clients – either directly or through teams that handle their accounts – through reporting results, using our online portal, and providing full transparency. Sarah also trains staff on client best-practice to promote and maximise performance and improve communication.

Sarah became manager in 2018 after various other management roles within Collections, Administration, and Data Entry, which provided a wealth of knowledge about CCICM and the wider industry. She has worked at CCICM since 2006, specialising in portfolio and aged debt recovery in the UK and Internationally on Commercial and Consumer files. Sarah has a qualification in Training, Communications, and Business Management.

Tom Dutton

Business Development Sales and Client Care

Tom Dutton is CCICM’s Healthcare Manager and is at the forefront of healthcare clients’ requirements for both the NHS and Private Sector. Tom manages clients from the UK and Overseas both Consumer and Commercial (including Adult Social Care) and has unrivalled sector expertise globally.

Tom is a highly-skilled negotiator and uses sophisticated strategies to help resolve complex inter-organisational disputes. He was largely responsible for CCICM becoming the only collection agency lawfully entitled to handle NHS patient data. Tom is the company’s longest-serving employee of 20 years which began as a collector, and is now qualified in the Institute of Leadership & Management.

David Hughes

Operations & Collections Manager

David Hughes is General Manager for the International Credit Exchange (ICE) Partnership of Member debt collection agencies. Client-focused and highly-skilled in customer service, David is rapidly and dynamically transferring years of retail environment knowledge into the financial sector, especially overseas debt recovery.

He is expanding and improving all operational aspects of ICE – particularly on-boarding additional international agents with its rigorous and highly-compliant, offering extra ancillary services, and promoting attendance at our annual Conference – to maintain growth momentum in partnership with law firm and collections agency owners around the world.

Patrick Harte

Chief Representative Office - China

Patrick Harte is CCICM’s Chief Representative Officer in China and manages business development, asset realisation, international debt collection, and client liaison in particular the state-owned export credit insurance sector for the past five years.

Patrick is a debt recovery specialist and has worked with CCICM for over 10 years. Patrick has successfully managed a large portfolio of complex, cross-border, commercial, dispute-resolution cases which have included negotiating on sovereign debts and managing an extensive government debt portfolio. He also has extensive knowledge of compliance and is a certified ISO27001 internal auditor.

Kun (Christine) Jiao

Project Manager - China

Kun (Christine) Jiao is CCICM’s UK-based China Project Manager. For four years, Kun has supported Patrick (Chief Representative Officer) with client liaison in both countries, specialising in advising and communicating with major trade credit insurance agencies about best-practice provision for export businesses.

Before CCICM, Kun was a freelance writer on Sino-UK matters when she moved to Britain 10 years ago. In China, she was an editor for a Chinese media company, based in Beijing. Kun has a Masters Degree in Media Communications Culture and is a native Mandarin speaker.

Jane Jones

Company Accountant

Jane Jones is CCICM’s Company Accountant and part of the Senior Management team. She has over 35 years of experience, having previously worked in practice, industry, and self-employed as a business consultant.

Jane’s role in CCICM is to oversee accounting procedures to ensure compliance with regulations; maintain accounting controls by preparing and recommending policies and procedures; and to maintain financial security by following and auditing internal controls and recommending financial actions.

Olga Zadoroznaia

Overseas Manager

Olga Zadoroznaja is the Overseas Manager and is responsible for all aspects of International Collections including processing all the information through our global network of fully-compliant agents. Olga is a proactive and client-focused leader in an ever-changing sector and has worked for CCICM for ten years.

Olga has a degree in Hospitality Management, and later obtained an Institute of Leadership & Management Level 5 in Management, after a National Vocational Qualification (NVQ) Level 2 in Business & Administration.

Heulwen Jones

Consumer Collections Manager

Heulwen Jones is CCICM’s Consumer Collections manager. She started working at CCICM in the collections department in 2012 and progressed to manager in 2017. Heilwen’s role is to oversee the team that recovers Consumer Clients’ monies from their customers, liaising closely with other department managers.
Heulwen has gained wealth of knowledge within the consumer sector and ensures that all dealings with customers are fair and fully-transparent, recognising that the nationally-recognised Treating Customers Fairly policy underpins CCICM’s entire approach to consumer debt recovery.

Henry Higgins

Commercial Collections Manager

Henry Higgins is CCICM’s Commercial Collections Manager. Henry leads a team responsible for resolving UK business-related cases from the UK and overseas. This process involves recovering monies owed by customers, either balances in full or with a negotiated repayment schedule, and managing clients’ expectations, ensuring they remain regularly updated so their trading relationship can continue unspoiled.
Henry is a dedicated worker with excellent organisational and time-management skills. Henry began as a ‘rookie’ collector in 2010 and quickly became an experienced senior collector, and was promoted to manager in June 2019. Prior to working for CCICM, Henry gained experience with companies such as BT and Sky, dealing with disputes and customer retention.

Ceri Parry

Trace & Investigations Officer

Ceri was trained by a former Police intelligence instructor in London, and has provided CCICM with a broad knowledge on finding (tracing and investigating) harder-to-reach individuals and companies, who may owe our clients.
Ceri conducts legal, ethical, and completely-compliant tracing and investigating services - using 21st-century technology in the UK and internationally. She also instructs and reports on site visits by our trusted network of approved and regulated, national field agents. Prior to working for CCICM, Ceri gained valuable experience of our clients’ customers in our Consumer and Overseas collections teams, and the Administration department.

Tracey Hully

Litigation Manager

Tracey Hully is CCICM’s Litigation Manager. Tracey has been fortunate to work in several areas of the business, which has greatly increased her knowledge and experience of debt collection and legal action in the UK.
Tracey began as a credit controller in collections before moving to work with the accounts team. Since then Tracey has worked with the client care team before moving to work in litigation where she spent three years as an assistant. Tracey works with both pre-judgement and post-judgement/enforcement cases and is now the litigation manager.

Lauren Humphrey’s

Case Progression Office Manager

Lauren Humphreys is the Case Progression Office (CPO) Manager at CCICM. Having worked here since 2005, she has gained extensive knowledge and experience in the Debt Recovery industry. Lauren worked initially as a collector dealing with both consumer and commercial files before moving on to the Administration and Client Care departments where she took on the challenge of creating the CPO process in 2014.
Lauren’s department manages all UK files once their pre-legal collection efforts have been exhausted. Reviewing each case on its own merits, the team provides the client with their best options to proceed – be it Litigation, Winding Up/Bankruptcy, to Tracing and Site Visits to contact harder-to-reach customers.

Leanne Bacigalupo

Compliance Officer

Leanne Bacigalupo is CCICM’s Compliance Officer, responsible for ensuring CCICM comply with legal, regulatory and other standards such as data and information security. Leanne monitors regulatory and legal changes within the industry and implements and maintains company policies and procedures to support reputation and to prevent illegal, unethical, or improper conduct.

In addition to the above, Leanne is also responsible for Risk Management, Supplier Management, Compliance Quality Auditing and Customer Complaint Management. Leanne has worked at CCICM since 2014 starting within the administration team as a trace analyst before progressing to be CCICMs Compliance Officer in 2016.

Leanne has successfully completed a course with the Institute in Leadership and Management and customer service, as well as additional training in Internal Auditing, Training and Practice, Anti Money Laundering, Contract Law and GDPR with the University of Derby. Leanne has a history of education in Busines and Law and has continued to higher education to work towards her part time Honours degree in Business and Spanish.

Sophie White

Training Co-ordinator

Sophie was brought in to CCICM in January 2020 to oversee the creation and implementation of a highly specialised and in-depth training programme, known as the CCI Academy, covering all in-house training from induction to transferring to a new department.

Sophie is a Modern Languages graduate and formerly worked as a teacher in the Further Education field. She has a PGCE in Post-Compulsory Education and Training, so is specifically qualified and experienced in teaching, training, and mentoring adults, and she is currently working towards a Level 7 Masters in the Education field too.