Ray Tammam

Associate at Expense Reduction Analysts Ltd

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• Associate at Expense Reduction Analysts Ltd

• Independent Financial Adviser at HSBC Financial Adviser at Barclays Wealth

I am currently an Associate for Expense Reduction Analysts who were founded in the UK in 1992. This global leader in Cost, Purchase and Supply Management helps Company Directors, businesses and other organisations including Not-for-Profit save money and improve profitability by reducing costs and enhancing value received from their suppliers. This is all done without reducing the quality of products or services provided by suppliers. Our present and past clients include Towergate, Volkswagen UK, Pilkington Glass, Carillion, NHSBT, Harrow School, ADAS, Lombok, Burger King, Hilton Hotels, Zavvi, Pizza Hut & Paul Smith and many more. Since 1997, I have managed personal and business relationships and specialised in helping protect individuals, families and businesses of all sizes, whilst also trying to make them more money in a tax-efficient manner utilising all types of investment and pension planning vehicles. I have also helped review current holdings of pensions, investments and insurance policies and where possible improved benefits, cut costs or ideally - done both. My experience of working all over the country and in different industries has helped my understanding of people and businesses significantly and I can be relied upon to do a good job.

Cost, Purchase and Supply Management including personally finding savings and improving efficiencies for clients in areas such as Bank Charges, Cash In Transit/Handling, Cash Processing and Merchant Cards costs. I will also bring in fellow Specialists that cover over 150 other cost areas as relevant.

• Associate

  Expense Reduction Analysts Ltd

  (Privately Held; Management Consulting industry)

  2010 — Present (less than a year)

  Expense Reduction Analysts is the UK's leading Cost and Purchase Management Consultancy that helps medium-sized and larger businesses and other organisations reduce costs where others are unable by getting more value from suppliers. We do this without reducing the quality of products or service provided by suppliers and average savings are 20% per category. Expense Reduction Analysts are not paid if we cannot find extra savings on top of those already achieved by our clients and we advise on and have Specialists in over 150 categories of spend.
  
  
  Ray Tammam’s Specialties:
  
  Cost savings and improved profits for companies and organisations including areas such as Bank Charges, Cash Handling costs, Cash Processing fees, Merchant Card charges, Car Leasing, Insurance, Business Rates, Stationery, I.T. Consumables, Photocopiers, Travel, Print, Factory Consumables, Engineering Consumables, Industrial Supplies, PPE, Chemicals, Gases, Packaging, Communications, Mobile Phones, Electricity, Gas, Water, Postage, Couriers, Domestic and International Freight & Distribution and many more areas.

• Independent Financial Adviser

  HSBC

  (Public Company; HBC; Financial Services industry)

  July 2008 — March 2010 (1 year 9 months)

  Providing medium and large businesses as well as business owners/directors professional financial advice and advice on cost savings for Protection, Pensions and Investments products and services.

• Financial Adviser

  Barclays Wealth

  (Public Company; BARC; Financial Services industry)

  March 1997 — June 2008 (11 years 4 months)

  Advising high net worth individuals and businesses on matters including Protection, Pensions and Investment Planning.