Meet the Jersey team

Our focus is on building long term director-led relationships with clients and their advisors from around the globe.

Our knowledge, skills, experience and dedication to excellence provide clients with the comfort that they are partnering with a global leader in quality and service. 

Tim Houghton – Market Head, Channel Islands

Tim Houghton was appointed Market Head for the Channel Islands in December 2021 having been with TMF Group since 2019. He has overall responsibility for the groups businesses in the Channel Islands across funds, trust, corporate and employee benefits service lines.

Prior to Tim’s most recent appointment, Tim was the Global Head of the Private Wealth & Family Office segment, supporting the needs of UHNW global clients, including family offices, leveraging the network of TMF Group offices in 85 jurisdictions.

Prior to joining TMF Group in 2019, Tim worked for RBC (Royal Bank of Canada), covering multiple senior positionings including the Head of Business Development for the bank’s International Business & Head of Private Wealth Management offshore.

Tim is a Chartered Member of the CISI, holds the ICSA diploma in offshore finance and administration, the Executive Diploma in Management from the CMI and is an affiliate member of STEP.


James Coughlan – Head of Funds, Channel Islands

James has recently been appointed as Head of Funds, Channel Islands, following the acquisition of State Street’s funds business in the Channel Islands.

An ACCA qualified accountant, James moved to Jersey in 2013 to work within, and eventually head, the fund accounting team at State Street. In 2016, he took on the role of Client Service Manager for a large client, managing all components of service delivery. More recently, James was the Operations Director within our global fund services team, working closely with various jurisdictions including Luxembourg, New York, Mumbai, Singapore and others to develop our funds service offering.

In his new position, James will be responsible for delivering on TMF’s funds strategy in the Channel Islands, as well as the overall group’s ambitions, focusing on performance, service delivery and growth.

Cara Dunford – HR Director, Channel Islands

Cara Dunford was appointed HR Director for the Channel Islands in January 2022 and is a member of the Senior Leadership Team. Cara is responsible for providing strategic guidance and leadership for all aspects of the people agenda, with a continued focus to embed a high performance and strong engagement culture.

Previously Cara was employed by the leading HR Consultancy across the Channel Islands and provided compliant, commercially focused and creative solutions to her client’s strategic needs, and prior to this was part of the British Isles leadership team for Fiduciary Services and Banking & Custody at RBC (Royal Bank of Canada) for 11 years.

Cara holds a Master’s Degree in Human Resources and is a CIPD Jersey Committee Member.

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