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Emma Watkins

Emma is the Bulk Annuities Director at Scottish Widows.

Career history


Emma heads up the Bulk Annuities proposition at Scottish Widows, where she is responsible for the overall service delivery of buy-ins and buy-outs to trustee and policyholder clients. Prior to joining Scottish Widows in June 2015, Emma was a partner at LCP, specialising in helping trustees and companies manage defined benefit pension scheme risk through the use of insurance solutions. At LCP, Emma was lead consultant on a large number of buy-in and buy-out transactions from £1m to £1.6bn and a variety of organisations including Total, Interserve and Makro. Emma has also held senior positions at a number of other insurance companies, having started her pensions career in defined benefit scheme administration at Prudential. With over 20 years’ experience in the pensions industry, the last 10 of which have been in the bulk annuity market, Emma has a wide practical experience on UK Defined Benefit pension schemes.

Emma is a Fellow, Council member of the Pensions Management Institute and Committee member of the PMI London Group. She is also a member of The-Pensions-Net-Work Advisory Board (a membership based standing conference in pensions and employee benefits), and is a regular commentator in the pensions press and conferences.

Outside of work, Emma likes to spend time with her family and enjoys keeping fit through cycling and hiking