Fairness of outcome and fairness of process... The Channel Islands Financial Ombudsman (CIFO) is the trusted independent dispute-resolution service for unresolved complaints involving financial services provided in or from the Channel Islands of Jersey, Guernsey, Alderney and Sark.

Organization Structure

CIFO’s experienced and professional staff is drawn from a variety of fields and disciplines such as law, administration, public policy, finance, banking, insurance and investments. Our staff are committed to conscientious, fair and timely dispute resolution, which is evident in their dealings with all parties.

Our small team based in Jersey responds to initial enquiries and complaints that are received by phone, email, online, letters and faxes each year. Our manager of administration and stakeholder relations oversees outreach and communication activities and is responsible for the operation of the office. Case handlers deal directly on a daily basis with complainants and financial services providers to resolve complaints through mediation and, when required, investigation of the facts to reach a final conclusion about the merits of a complaint and what would be fair and reasonable compensation to return the complainant to the position they would have been in if the matter complained about had not occurred.