The Digital Pound Foundation is a non-profit, member-led, organisation that advocates for a well-designed digital Pound, in both public (CBDC) and private (e-money tokens, tokenised deposit and stablecoin) forms. As Operations and Innovation Lead, my role focuses on both ensuring the effective and impactful operations of the DPF, including maximising profile-enhancing and educational benefits to our members, as well as paying particular attention to use case, innovation and business opportunities that these new forms of digital money can bring.

OneStep’s mission is to revolutionise micropayments through a SaaS model, streamlining back office processes, enabling instant and effective incentive and rewards payouts, and turning them into engagement tools. Initial target markets include trade marketing, consumer and sustainability incentives, with a particular focus on opportunities to stimulate consumer recycling and reuse behaviours.

Working as an independent consultant for Project42 Ltd with a significant emphasis on developing business and risk management frameworks with a key focus on e-money, payment services and new forms of digital money, including CBDCs and stablecoins. Keeping abreast of regulatory developments in this newly emerging area to ensure that business growth aspirations are delivered within a robust compliance framework, seeking opportunities that arise as this market evolves.

The Whitechapel Think Tank is a collaborative forum at the forefront of advancing global innovation in DLT.

Co-responsibility for developing and implementing the compliance and operational risk management framework of Billon Group Ltd, the parent company of Billon Group, and its underlying legal entities.Core to this role is establishing and maintaining effective policies and procedures aligned to the relevant legal entity business activity; systems and controls to ensure compliance with applicable regulatory risk, operational risk and data protection requirements and standards under the relevant regulatory systems for the group overall and each legal entity level. Key role activity will be defined and managed through the completion of a full and thorough risk framework assessment and the creation of a robust action plan to ensure that any enhancements are implemented effectively and are supported by appropriate allocation of roles and responsibilities, training programmes and governance.MLRO and Data Protection Officer for Billon Financial Ltd.

* Undertaking a full and thorough review of compliance, risk management and supporting policy and procedure documentation to ensure adherence to relevant UK FCA requirements, communicating to staff as necessary and providing training where needed* Developing an accessible UK business management role, reviewing and supporting new and existing client engagements and product development, delivery and implementation as needed to support the business growth aspirations, whilst always ensuring a robust risk framework* In support of a robust compliance culture including risk framework awareness, development and implementation of a Compliance Induction for new starters and an internal training programme covering internal risk management Policies & Procedures* Working under own initiative to proactively resolve any issues relating to client onboarding and product delivery with full consideration to and communication with all impacted parties, appropriate communication and reporting* Data Protection Officer for Billon Financial Ltd., providing full consultation and consideration to GDPR with regards to business-as-usual and new client propositions

BC4EU work with policymakers, academics and member companies to develop a European regulatory framework to support and promote blockchain-based innovation.

• Taking some time out of my banking career to focus on family commitments, I bought a Talking Tots franchise and within 2 years developed this into the most successful UK franchise• Embarking on a steep learning curve, developing knowledge of child speech & language development and class delivery, very quickly establishing waiting lists for my sessions• Developed a school proposition leading to several contracts with local schools – this was then rolled out to all other franchises in the UK• Ongoing business management, marketing and administration including people management, growing a team of 5 class leaders

Responsible for delivering classes to pre-schoolers focusing on communication, language, listening & attention, social, confidence and pre-literacy skills in both parent & toddler class settings as well as within early years settings such as nurseries, pre-schools and primary schools. Through fun, educational and interactive sessions these classes can have a positive impact on the speech and language skills of the early years community. Responsibilities also include business launch and ongoing growth strategy as well as general business accounting and management.www.talkingtots.info/southend

• Responsibility for ensuring a robust risk management framework with full consideration to making sure that the business can continue to deliver and to develop whilst ensuring that risk controls remain appropriate and are not compromised• Oversight and ownership of significant risk issues, producing summary papers and updates to Executive, including regular updates, recommendations and driving remedial actions through to resolution• Development of effective working relationships with Front Office, Operations, Compliance, Operational Risk, Legal and Audit to ensure open communication and support networks

• Responsibility for all Business Management aspects of the Coutts UK Treasury & Customised Investment team, including Business Development and Business Risk Management • Responsibility for raising the profile of the Liquidity Solutions proposition and increasing Product sales across UKIPB, through the management of the training landscape, product material including Liquidity Solutions brochure, sales support initiatives and sales management information analysis • Skilled at developing creative and innovative solutions for the business which increase efficiency, enhance the risk profile and improve the client proposition• With extremely tight deadlines and significant Executive focus, was responsible for the development and launch of the UK Treasury Bill Service which was proposed, signed off and launched in less than one week. This met the urgent demands of our clients responding to the financial crisis of Q4 2008 and led to £250m of UK Treasury Bill sales with supporting advice • Act as Deputy for the Coutts UK Treasurer at Coutts UK Executive Committee • Managed a complete review and update of all Policies and Procedure manuals in conjunction with Risk functions and ensuring the Treasury team adhere accordingly

• Supported RBS International Treasury and Investor Solutions (RBSI TIS) in their compliance with relevant legislation and regulation (UK and local – Jersey, Guernsey, Isle of Man and Gibraltar) with a focus on rolling out GBM standards across the RBSI TIS businesses• Worked with the RBSI TIS businesses and local RBSI Regulatory Risk to develop a variety of policies and procedures including an RBSI TIS Compliance Manual, an RBSI TIS Regulatory Risk intranet site and regulatory Guidance Notes• Provided training to all offshore Front Office staff to foster a greater awareness of compliance issues and to ensure adherence to the Compliance Manual• Provided a central point of expertise, being recognised as an ‘expert’ on RBSI TIS and related GBM activities. Worked with the business and relevant support areas (including RBSI Regulatory Risk, Legal, Operations and Marketing) to develop solutions to issues that arose

• Working within a newly founded unit of CBFM Compliance, established robust Anti-Money Laundering policies and procedures within Financial Markets (both Sales & Marketing and Capital Markets). This included training Front Office and provide ongoing support to the Counterparty Onboarding Team• Developed and managed the ‘Zero Tolerance Policy’, ensuring that trades prior to KYC are minimal and controlled through the use of Key Risk Indicators. The degree to which FM is compliant with AML matters was transformed• Made two separate visits to various Asia-Pacific offices (Hong Kong, Singapore and Tokyo) to perform a variety of tasks including the launching and final sign off of the customer re-verification project, providing training and assisting with the development of efficient account opening and KYC procedures