Global strategy owner for consumer payments modernisation with a segway into real-time and digital for all form factors be that card, non card, access to account and digital value added services. Specialises in interoperability across the cards and payments ecosystem.

Accountable for Consumer Mobile Payments, Cards & Merchant Management business lines. Global product management providing cross-company leadership for the Retail Banks & Processors segment. Products covered include BASE24-eps, Postilion, ACI Issuer / Acquirer / Interchange and Token Manager. Global lead for Mobile Payments & Mobility for the segment. Product strategy, product management, partnership selection & management, buy vs build assessments, proposition development, deal management, pricing, P&L, product marketing (including external face), cross-business performance improvement.

Took ideas out of strategy blueprint and kicked off building the business now known as PayByBankApp (PBBA). Recruit no. 1 into the PBBA business, accountable for building the programme of work, recruiting, team formation, product strategy & vision, product development roadmap, product specification, customer experience and delivery of key sales.Seconded from VocaLink to PBBA / Alternative Payments as the product lead, taking ideas and turning them into an executable vision to sweat existing and build new asset. Led in setting up the programme, team and processes. Defined vision for the product, tested hypotheses through primary research, managed team to define the product (customer journeys, product architecture, demo systems, specs) and formulated / signed off the roadmap. Set up the product process from Idea stage through to handover to Development, utilising a mix of traditional and Agile process as appropriate. Product lead in signing first major partners to deliver PBBA ecosystem, consulting to banks, merchant acquirers and merchants to help them realise the fit of the PBBA product & vision to their business problems and how to achieve value and leadership position in their respective verticals.

Senior Product Manager responsible for definition and development of a new merchant processing product in the cross-border acquiring domain. Working with internal stakeholders (Operations, Strategy, Finance, Development), POS & network partners and direct liason with prospects to build the product architecture, proposition definition and strategic business case.

IT Advisory to the Financial Services industry, with a particular focus on Cards & Payments and Retail Banking. Roles included Corporate Payments European Operating Model definition, for Barclays, Transition Manager for a pan-European programme of work within BarclayCard Western Europe, Operations Consultant within the Digital channel Lloyds Banking Group, and Target Operating Model definition to enhance Know Your Customer global processes to lower financial crime experienced globally within HSBC. Proposition lead within EY for mobile and alternative payments.Key Roles:- Barclays Corporate, Payments Target Operating Model definition- Lloyds Banking Group, Digital Bank Customer & Operations definition- HSBC, Group Risk - Global KYC Target Operating Model definition

Primary focus on product and business development to secure IT Outsourcing deals in the range of €10-50m. New product development and proposition development in the merchant acquiring domain, assessing addressable market needs, evaluating internal capability with acquisition and partnerships possibilities and championing the proposition in front of clients and prospects. Change lead for multiple internal performance improvement projects. Solution design and presales delivery responsibility for card issuing and acquiring for large scale banks across Europe. Delivery lead for client facing change programmes in converting clients to TSYS platforms.

Employed in a number of different roles in IBM covering Lead Technical Designer, Developer, Business Analyst, Project Manager and ultimately Solution Architect. Led Delivery teams in the successful deployment of IBM’s software portfolio across diverse sectors including Utilities, Pharmaceuticals and Public Sector. Primarily covering expectation management and influencing, solution design and project set-up and implementation. Previous roles within IBM included a client-facing Business Analyst position in the business consulting division and as a project manager within the IBM Procurement division.

Delivery manager to co-ordinate activities of IBM's strategic procurement managers to automate the Req-to-Cheque process using SAP

Lead architect for design, definition and deployment of a new product suite (IBM WebSphere Process Integration) into Scottish Power, in direct support of a business led initiative

Solution design lead for EPOS integration programme using IBM WebSphere technology, integrating to SAP, Oracle and various B&Q head office systems for GL, Stock Replenishment, Customer Rewards etc.

Definition of UX and customer experience for an innovative new eProcurement

Provided IT consulting and education to various North-East SMEs (Small to MediumEnterprises). Activities included delivering Microsoft Office education and skillstransfer and independent benchmarks of current in use IT systems.

Provided expertise in developing and supporting over twenty MS Access database applications. Other activities included web site support, MS Excel trouble-shooting and Year 2000 inventory database administrator.