The Channel Islands Financial Ombudsman (CIFO) is a statutory ombudsman scheme with jurisdiction in both Jersey and the Bailiwick of Guernsey. The service investigates complaints regarding financial services provided in or from the Channel Islands. The organisation received its full statutory powers in 2015. CIFO is one of a handful of pan-island institutions, other examples being the Office of the Director of Civil Aviation and the Channel Islands Brussels Office. The organisation is led by a principal ombudsman and chief executive, a post currently held by Douglas Melville. Melville had previously served as the chief executive of the Ombudsman for Banking Services and Investments in Canada. If accepted by the complainant, CIFO decisions are legally binding on both parties and there is no possibility of appeal. However, ombudsman decisions may be subject to judicial review in the Royal Court of either jurisdiction. In Jersey, CIFO reports to the Minister for Sustainable Economic Development. In Guernsey, CIFO reports to the President of the Committee for Economic Development of the States of Guernsey.