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Our People

The recruitment of committed, high quality people that reflect the community we serve is critical to the continued success of Citizens Advice Bedford.

Colleagues can be found on their individual subject group or department staff pages.

Mark Sutcliffe MBE

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Chief Executive Officer

Mark Sutcliffe assumed the role of Chief Executive at Citizens Advice Bedford in June 2015.

Mark has led and managed a diverse range of organisations; particular areas of expertise are governance, finance, risk and income generation. Mark was awarded an MBE in the Queen’s Birthday Honours List 2012.

Mark is responsible and accountable to the board of Trustee’s for strategy, finance, risk and external relations. Previously, Mark had a successful career in Her Majesty’s Forces serving for 15 years across the world.

Gillian Grimes

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Deputy Chief Executive/Director Debt Services

Gillian Grimes joined Citizens Advice Bedford in 1999, initially as a volunteer General Adviser and within a year gained employment as a Debt Caseworker.

Gillian has experienced many of the different staff roles available within the organisation and was promoted to Operations Manager in October 2015 and was further promoted in 2017 to Deputy Chief Executive.

As Citizens Advice Bedford continued to expand & with the addition of new Debt Contracts Gillian took on the role of Director Debt Services driving forward CAB's objective as a Regional Centre for Debt Service.

Angela Stammers

Training & Recruitment Manager

Angela has a background in retail banking, insurance and finance business development. In 2009 Angela joined Citizens Advice Bedford as one of the first Gateway Assessors.

In 2013 Angela became a Generalist Adviser until 2015 when she joined the debt team as a Debt Caseworker. Angela then took on the role as Training Supervisor and increased the quality of volunteers and their training.  

In April 2017 Angela was promoted to Training and Recruitment Manager. Angela's role involves being a valued member of the Senior Management Team and owning the recruitment and training strategies that are so critical to CAB's continued advice delivery and success. 

Ben Coutts

Service Delivery Manager

Ben Coutts joined Citizens Advice Bedford as a volunteer gateway assessor before taking up a staff role as an Advice Session Leader. In his role as an ASL, Ben was responsible for the quality and delivery of advice sessions through multiple channels.

Ben has a background in the homeless sector in Bedford where he worked as a support worker for a local charity. In June 2017 Ben successfully applied for the vacant Service Delivery Manager post and is now part of the Senior Manager Team responsible for the advice leaders, advice quality & CAB's Welfare Benefit contracts. 

In his spare time, Ben enjoys reading and following football and cricket.

Jemma James

Assistant Service Delivery Manager

Jemma joined Citizens Advice Bedford in early 2015 as a volunteer gateway assessor.

After graduating with a law degree from the University of Hertfordshire in May 2017, Jemma was successful in her application to become a Welfare Benefits Caseworker, a role which she excelled in.

Jemma applied for internal promotion undertaking a competitive selection process and was promoted to Assistant Service Delivery Manager, responsible to the Director Debt Services for part of CAB's vast money advice delivery. 

Jo Gurner

Advice Session Leader

Jo Gurner joined Citizens Advice Bedford in February 2013 as the Prison & Probation Money Advice Caseworker.

Previously Jo has worked at other Citizens Advice where she fulfilled a variety of general and money advice roles.

In October 2015 Jo became an Advice Session Leader, responsible for the quality and delivery of advice sessions through multiple channels and has recently also taken on the role of our home visit adviser.

Heather Tucker

Advice Session Leader

Heather joined  Citizens Advice Bedford in 2018 as a Trainee Advice Session Leader having previously been a volunteer for four years with the service in Mid Bedfordshire.

She is responsible for the quality and delivery of advice through multiple channels and for supporting the work of the volunteers.

Heather has experience of working in the public and private sector, including a policy officer role at the Royal Borough of Kensington and Chelsea.

Kim Daisley

Advice Session Leader

Kim Daisley joined Bedford Citizens Advice in July 2012, initially as a Volunteer Assessor and then in 2014 as a General Adviser.

Kim then took up a staff position as Advice Session Leader in April 2016, responsible for the quality and delivery of advice sessions through multiple channels.


Gill Dimmock

Lead Business Support Administrator


Gill initially joined Citizens Advice Bedford in February 2017 and after a couple of months away pursuing other interests, re-joined in July 2018. She has a background in banking, working within the education sector and most recently in sales/administration/customer service.

Her varied skills are put to good use in the multi-tasking role of Business Support where she undertakes HR and Financial duties, premises and IT maintenance and support and general administration as required.

In her spare time Gill is the secretary of a fund raising committee for a local residential care home. She enjoys spending time with her family and also plays piano and cello.



Business Support Administrator




Marianna Liberio 

Contract Referral Officer


Marianna initially volunteered for Citizens Advice Bedford as a Social and Media Curator in order to expand her knowledge of the third sector and to gain an in depth understanding of the problems faced by the local community. Marianna was successful in gaining employment with CAB, firstly as a Contract and Client Support officer and recently a Contract Referral Officer.

Marianna obtained a degree in International Business and French in July 2016 and her aim is to apply the knowledge and skills gained at university to all the work that she delivers.

Marianna has a passion for photography and during her free time she enjoys beauty and lifestyle blogging. More recently, she has also been autodidactically mastering Adobe Suite Photoshop.  


Rachel Sehmbi

Money Advice Caseworker

Rachel joined as a Trainee Money Advice Caseworker in November 2018. Prior to this Rachel worked at a local housing association and in the banking sector.

In Rachel's spare time she enjoys going to the gym and yoga.

Jan Coultish

Money Advice Caseworker

Jan Coultish joined CAB as a volunteer in February 2016 supporting clients with a variety of issues before being appointed to the role of Money Advice Caseworker in March 2017. During this time she has gained a broad knowledge of different areas of advice and experience to provide professional support to clients. She enjoys working with clients to support them in overcoming their issues.

Jan enjoys swimming, cycling and is also a keen gardener in her spare time.

Chloe Coppenhall

Money Advice Caseworker

Chloe joined Citizens Advice Bedford as a volunteer in 2017 supporting clients with a variety of issues before being appointed to the role of Money Advice Caseworker in June 2018.

Lisa Beales

Money Advice Caseworker

Lisa joined CAB in September 2018 as a Trainee Money Advice Caseworker having previously worked for 12 years as a veterinary nurse. Lisa has very much enjoyed the change in career and the subsequent learning.

In her spare time, Lisa enjoys spending time with her family and pursuing leisure travel opportunities. 

Ian Grant

Money Advice Assistant

Under Construction


Amina Khanom

Welfare Benefits Caseworker

Andy Waller

Amina Khanom

Welfare Benefits Caseworker

Andy has a background working in IT management in the outsourcing and communications industries.

Andy first joined Citizens Advice as a volunteer Gateway Assessor in September 2018 and enjoyed the experience so much he decided on a career change and joined the team in March 2019 training as a Welfare  Benefits Caseworker.

In his spare time Andy enjoys spending time with his family, walking and Pilates. He is a Chelsea FC season ticket holder and Tate Gallery member

Samuel Watterson

Amina Khanom

Universal Credit Help to Claim Advisor

Under construction 

Penny Tomlin

Amina Khanom

Client Support Officer

Penny Joined CAB in 2010 as a volunteer receptionist, later progressing to the role of client services assistant.

In this role Penny is the first point of contact for clients visiting Bedford CAB

In her spare time, Penny enjoys swimming, gardening and spending time with her grandchildren.


Amina Khanom

Client Support Officer


Chas Leslie

Amina Khanom


Chas joined Citizen Advice Bedford in 2014 as a researcher. Chas was instrumental in compiling and delivering the State of Bedford report which is used by many external organisations as a bench mark on how Bedford Borough is progressing. 

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