Experience

Fiat Republic

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Founder & CEO

  • Jun 2021 - Present

  London, England, United Kingdom Building a crypto-focused, e-money-regulated BaaS platform that will unlock mainstream and local banking services for the top crypto platforms in the world, by having them join forces under one banner and stick to the same standard of AML & compliance.


Ramp Network
• United States
• Technology, Information and Internet
• Investor & Advisor

  • Apr 2020 - Present


OpenPayd

• United Kingdom
• Financial Services
• 100 - 200 Employee

• Chief Product Officer

  • Sep 2019 - Sep 2021

  London, United Kingdom



Wi5

• Belgium
• 1 - 100 Employee

• Head of Product (interim)

  • Jan 2019 - Jul 2019

  London, United Kingdom



HyperJar Ltd

• United Kingdom

• Product Director (interim)

  • May 2018 - Sep 2018

  London, United Kingdom



Sainsbury's

• United Kingdom
• Retail
• 700 & Above Employee

• Head of Payments / Senior Product Owner

  • Sep 2015 - Apr 2018

  London, United Kingdom Promoted after only 6 weeks in the business, I built and led a team of product professionals that drove the overall payments agenda at Sainsbury's for over 2.5 years. My team's remit involved managing the underlying technology roadmap behind in-store and online payments acceptance, mobile payments, payments security and compliance (PCI) and fraud prevention, My role eventually became a rare hybrid of business strategy, innovation and product management. Highlights: - Built a payments… Show more Promoted after only 6 weeks in the business, I built and led a team of product professionals that drove the overall payments agenda at Sainsbury's for over 2.5 years. My team's remit involved managing the underlying technology roadmap behind in-store and online payments acceptance, mobile payments, payments security and compliance (PCI) and fraud prevention, My role eventually became a rare hybrid of business strategy, innovation and product management. Highlights: - Built a payments product team / function completely from scratch - In 2 years completely changed the perception of payments at Sainsbury’s – from being seen as a nuisance or afterthought to becoming one of the CEO’s top 5 strategic objectives with a multi-million-pound delivery budget - Devised an overarching payments strategy for the Sainsbury's Group - Implemented contactless / NFC technology at Sainsbury’s and deployed new payment methods like Apple Pay, Android Pay or PayPal across the Sainsbury’s Group trading channels - Part of the team that delivered Chop Chop – Sainsbury’s 60 min grocery delivery app. I was responsible for designing its unique end-to-end payment solution => http://chopchopapp.co.uk/ - Initiated and led the P2PE (Point to Point Encryption) implementation project for Sainsbury's - one of the largest re-platformings of in-store payments acceptance technology in the UK, with the overarching objective of improving payment security and reducing the company's PCI scope (and saving millions of pounds in the process) - Championed multiple opportunities related to payment initiation (PISP) as part of the introduction of PSD2 / Open Banking in the UK - Drove several mobile app development projects with an aim to improve the overall in-store checkout experience

• Product Owner - Payments

  • Jul 2015 - Sep 2015

  London, United Kingdom Originally hired as an individual contributor in a newly established payments & checkouts team, I was initially tasked with designing a unified strategy and roadmap for payments across Sainsbury’s vast retail estate and exploring some of the emerging mobile payment methods with a view of adding them to Sainsbury's acceptance portfolio in the future.



Ukash

• Financial Services
• 1 - 100 Employee

• Head of Card Products

  • Jan 2013 - Jun 2015

  London, United Kingdom I was hired to establish a portfolio of open-loop prepaid card products as part of a wider product diversification strategy. I had ownership of the full in-life product P&L (including control of pricing), designed and executed the product strategy and managed the product innovation and diversification pipeline in-line with Ukash’s strategic objectives. Highlights: - Designed, developed and launched the highly successful Ukash Travel Money Card. The product received industry-wide… Show more I was hired to establish a portfolio of open-loop prepaid card products as part of a wider product diversification strategy. I had ownership of the full in-life product P&L (including control of pricing), designed and executed the product strategy and managed the product innovation and diversification pipeline in-line with Ukash’s strategic objectives. Highlights: - Designed, developed and launched the highly successful Ukash Travel Money Card. The product received industry-wide recognition and significantly disrupted the UK travel money market with thousands of consumers choosing it over rival products - Launched a general gurpose reloadable prepaid card for Ukash - the Ukash Prepaid MasterCard - which was available in 26 countries, 4 currencies and is serviced in 5 languages - Designed and set up Ukash's cards supply chain completely from scratch and built a strong relationship with a key supplier - Pioneered and championed the prepaid cards business at Ukash significantly increasing the business’ awareness and focus on card products and bringing cards to the fore of the company’s product diversification strategy Show less



Fidelity National Information Services

• 1 - 100 Employee

• Product Consultant - Debit & Prepaid

  • Oct 2012 - Jan 2013

  London, United Kingdom Supporting the RFP process, I carried out workshops to answer FIS’ prospects’ questions and business needs regarding the products and services offered by the company. I collected and analyzed prospects’ business requirements, as well as transferred knowledge to development and other support teams by writing concept and scope documents, business requirements for new products and enhancements to existing products.



Raiffeisen Polbank

• Poland
• Banking
• 200 - 300 Employee

• Product Manager - Payment Cards

  • Mar 2009 - Oct 2012

  Warsaw Area, Poland I co-managed a portfolio of consumer and corporate card products (debit, credit and charge cards) for this well-established Polish retail bank. The role was a blend of new product development, BAU product management and product marketing. I managed the product P&L directly and took part in designing the long-term product strategy. I also had process ownership for all my allocated products and was responsible for providing product training to customer facing departments. During my near… Show more I co-managed a portfolio of consumer and corporate card products (debit, credit and charge cards) for this well-established Polish retail bank. The role was a blend of new product development, BAU product management and product marketing. I managed the product P&L directly and took part in designing the long-term product strategy. I also had process ownership for all my allocated products and was responsible for providing product training to customer facing departments. During my near 4-year tenure at Raiffeisen, I launched several new successful products, significantly enhanced existing product proposition and led numerous customer engagement initiatives that have contributed to increased revenue and customer satisfaction.

• Card Operations Specialist

  • Oct 2008 - Mar 2009

  Warsaw Area, Poland I handled all operational aspects of bank card issuance process, including card account configuration, physical plastic production, card delivery and customer account maintenance. I was also responsible for customer dispute resolution, transaction settlement and scheme clearing. Thanks to creativity, versatility and understanding of the ‘big picture’ that I demonstrated whilst going about my tasks I secured a transfer to Raiffeisen’s Product Management team after the initial 6 months in the… Show more I handled all operational aspects of bank card issuance process, including card account configuration, physical plastic production, card delivery and customer account maintenance. I was also responsible for customer dispute resolution, transaction settlement and scheme clearing. Thanks to creativity, versatility and understanding of the ‘big picture’ that I demonstrated whilst going about my tasks I secured a transfer to Raiffeisen’s Product Management team after the initial 6 months in the Operations team.



Elavon Financial Services Ltd.

• Chargeback Analyst (Card Acquiring)

  • Oct 2007 - Oct 2008

  Warsaw Area, Poland I researched and resolved card transaction disputes in accordance with card schemes’ (VISA, MasterCard, Amex etc.) regulations and company guidelines. I also negotiated settlements between merchants and card issuers as part of the chargeback escalation process.



Techland

• 1 - 100 Employee

• International Sales Representative/Purchasing Executive

  • Jun 2006 - Nov 2006

  I was responsible for establishing and maintaining business relationships with video game developers. I was also accountable for identifying and acquiring publishing/distribution licenses for viable video game development projects.