The Team

Roger Houston


Roger founded MRSL in 2004, a concept which evolved from his years working in the insurance industry and seeing the need for integrated medical and technical solutions to deliver claims savings.  That concept has held good and provided 8.7 and 8.8 point savings from loss ratios for motor and non-motor related injury claims using the MRSL model.

Prior to MRSL, Roger held positions at the Medical Defence Union, was Director of Operations for the NHS Litigation Authority (NHSLA), Assistant General Manager (Claims) for Zurich (following their acquisition of Municipal Mutual Insurance).

Roger has held frontline and operational roles throughout his career as well as across the major classes of business, and this unique insight into every level of an insurance company and a claims operation ensures that MRSL are in tune with their clients’ needs.

Roger has particular interest in the valuation of damages and risk management and mitigation.

Julia Wheatley

Medical Associate

Julia joined MRSL within months of its foundation and has learned the business from the inside out.  Julia developed the medical network that supports the business as well as expanding the firm’s services to include integrated medical and technical claims handling.

Prior to MRSL, Julia held posts with the Ministry of Defence following her qualification as a Doctor.  Julia has particular interest in rehabilitation and musculoskeletal medicine having served at the Regional Rehabilitation Units at Catterick and Bulford.  These challenging roles required Julia to work with injured service personnel to maximise their potential for recovery and rehabilitate them back into service.

Julia has also been a Partner in a General Practice and worked in frontline NHS provision within a number of health authorities both as a Doctor and a senior manager.

Christopher Cloke-Browne


Chris has been working with MRSL since 2010. Chris has assisted the business to expand its products and services beyond its core strength of mitigating and managing claims with a medical component.

Chris focusses on the insurance services and broking business, including insurance product development.

Chris has a twenty year career in financial services where he has structured and closed a number of innovative financial transactions for insurers. Chris has provided almost all financial services to insurers from raising equity and debt to M&A advice and transferring risks to the capital markets.

Alison Nortcliffe

Head of Finance and Operations

Alison is a current member of the AAT (Accounts Accredited Technician) and has worked for MRSL for 7 years.  She brings a broad experience of office administration and finance within a range of business sectors and companies from publishing, IT to radio frequency testing.

Alison supports MRSL’s regulatory activity and holds FCA controlled function status within the firm.