Experience

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  European Central Bank

  • Frankfurt am Main, Hesse, Germany

  • Member of the Digital Euro RDG (Rulebook Development Group)

    • Mar 2023 - Present
    • Frankfurt am Main, Hesse, Germany

    Selected by both the European Central Bank and the European Digital Payments Industry Alliance (EDPIA) as an industry expert in the field of payments and schemes, to help develop the next phase of the #digitaleuro. Alongside a select group of leading industry experts we’re responsible for establishing the rules, practices and standards that could support the distribution and operation of a possible #digitaleuro.

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  Nexi Group

  • SVP, Global Head, Strategic Partnerships Schemes

    • Apr 2019 - Present

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  The Co-operative Bank plc

  • Manchester, Greater Manchester, United Kingdom

  • SVP Payments & Personal Banking (Cards, Loans, Savings)

    • Apr 2018 - Feb 2019
    • Manchester, Greater Manchester, United Kingdom

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  Global Payments Inc.

  • York, England

  • SVP Strategic Partnerships Global Payments TSYS International

    • Feb 2017 - Mar 2018
    • York, England

    Assisting TSYS as a key TSYS International Senior Executive transitions to retirement.Responsibilities include:Commercial assessments and identification of multi-million pound commercial upside and cost reductionsContract development, negotiation and execution of key strategic partnershipsProduct development and delivery (including innovative FinTech solutions)Partnership expertise and optimisation Identification of pipeline partnership revenue and margin opportunities

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  Virgin Money

  • United Kingdom
  • Financial Services
  • 700 & Above Employee

  • SVP Strategic Payments & Core Banking

    • Jul 2015 - Oct 2016

    Commercially responsible for Virgin Money’s new banking & payments strategic platform transformation.Developed vision, business case and gained VM Board sign-off (Apr15) for a major new banking & systems strategic platform which delivers major enhancements and disruptive innovations in customer functionality to drive customer satisfaction. Driver of multi-million P&L benefit..Responsible for leading the commercial development and delivery of VM’s major new banking & payments strategic transformation.Additional areas of focus:Strategy developmentBusiness Case and plan productionBoard and Exec approvalStrategic partner strategiesContract negotiationProcurement of major commercial, partner and outsourcing agreements Programme Management

  • Commercial Director - Current Account Platform and Proposition Development (Interim) at Virgin Money

    • Jan 2014 - Dec 2015

    Product and commercial development of a brand new to market digital platform and proposition. Product and commercial strategyNew product developmentLoyalty and rewardsBusiness Case and plan productionBoard approvalStrategic partner strategiesContract negotiationProcurement of major commercial, partner and outsourcing agreements Revenue optimisationProgramme Management

  • Commercial Director - Cards (Interim)

    • Mar 2013 - Dec 2013

    Responsible for CVM strategy and delivery, product and commercial development of VM’s new credit card platform and issuing business in addition to the migration of 500,000 VM credit card customers from MBNA to VM:Defining and managing strategic partner strategiesContract negotiationProcurement of major commercial, partner and outsourcing agreements Programme ManagementCVM, product and pricing strategyNew product developmentT&C ownership & managementLoyalty ownership & managementPerformance & governanceCommercial plan and budgetCard utilisation strategy (liquidity/capital management)Customer Value Management strategic development and implementationTrade association / Scheme network developmentMBNA relationship managementSales and revenue optimisationSystem and process optimisation

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  Aviva plc

  • York, United Kingdom

  • Digital Platform and Proposition Development

    • Aug 2012 - Mar 2013
    • York, United Kingdom

    Exigo Financial Solutions assisted in leading the development of a new e-commerce platform and proposition for Aviva PLC and in strategic partnership with FNZ.

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  Clydesdale Bank

  • United Kingdom
  • Banking
  • 700 & Above Employee

  • Head of Cards and Loans

    • Mar 2009 - May 2012

    As a senior manager, responsible for customer/financial/business performance and associated projects and programme delivery across a £1.5 billion, c.1 million customer portfolio. During the last two years I was also responsible for the bank's digital strategy development and implementation:Successfully implemented complex programme of change including: new digital platform distribution model and web response strategy, new portfolio target operating model, portfolio migration, new and existing product development, revenue optimisation, regulatory change/compliance, card payment scheme migrations.

  • Senior Product Manager - Cards

    • Oct 2007 - Mar 2009

    Successfully developed and delivered the strategy and associated projects for the credit card and loan portfolio to deliver strategic plan objectives.Led numerous product reviews and implemented subsequent projects/change agendas to ensure the credit card and loan products remained aligned to customer needs and wants, compliant and robust within an increasing regulatory environment, whilst delivering upon strategic P&L requirements

  • Product Manager – Credit Cards

    • Oct 2005 - Oct 2007

    As manager for the credit card product, I successfully managed the product strategy and associated projects delivering against strategic requirements. One of the major highlights was successfully completing the migration of Clydesdale Bank’s Northern Bank and National Irish Bank credit card assets to Danske Bank.

  • Credit Risk Manager – Credit Cards

    • Aug 2003 - Oct 2005

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  GMAC Bank

  • Cardiff, United Kingdom

  • Credit Strategy Manager

    • Apr 2001 - Aug 2003
    • Cardiff, United Kingdom

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  Lloyds Banking Group

  • Cardiff, United Kingdom

  • Senior Risk Analyst

    • Sep 1998 - Apr 2001
    • Cardiff, United Kingdom

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  UK Payments (formerly APACS)

  • London, United Kingdom

  • Board Director - UK Cards Association

    • Jan 1900 - Jan 1900
    • London, United Kingdom

    .*** From February 2010 to April 2012 ***The UK Cards Association is the leading trade association for the card payments industry in the UK. With a membership that includes all major credit, debit and charge card issuers, and card payment acquirers, the Association contributes to the development of legislative and regulatory frameworks; develops industry best practice; safeguards the integrity of card payments by tackling card fraud; develops industry standards; and co-ordinates other industry-wide initiatives across matters relating to both card payments and the provision of credit.

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  MasterCard

  • London, United Kingdom

  • Director - MasterCard UK MF

    • Jan 1900 - Jan 1900
    • London, United Kingdom

    .*** From October 2007 to February 2012 ***MasterCard Members Forum is responsible for the non competitive operational management and governance of the MasterCard payment scheme.