First Rate Exchange Services (FRES) is the UK's leading supplier of foreign currency to businesses in FS, Travel and Tourism and the Retail sector. FRES has a range of award-winning products and services that compliment new or existing propositions across a number of business sectors. A deep knowledge of the E2E supply of FX currency allows FRES to deliver a range of services to leading brands, and maintain a competitive edge in a highly competitive and rapidly changing market.FRES is a JV between the Bank of Ireland and the Post Office established in 2002 to supply the Post Office network of over 11,000 branches. In addition to Currency services, FRES offers pre-paid card solutions, and mobile Apps including the new Apple watch. FRES also offers B2B "White label" services to partners such as Santander, Virgin Holidays, Debenhams, John Lewis and Swedbank.

Responsibilities• Development of integrated mobile payment solutions, enabling Vodafone customers to use their mobile for contactless payment solutions in store or online.• Identify and deliver partners for managed service solutions for mCommerce (including managing RFI/ RFP for Payment Network and Issuer/ Processor)• Manage suppliers in line with contractual obligations, milestones and quality standards• Manage and co-ordinate projects, their interdependencies and associated risks• Working in a large cross-functional team with dependencies across multiple countries• Manage the Interface with senior stakeholders and communications to all project stakeholders, including the Visa relationship.• Delivering Visa projects for Micro Tag, EMV and DI products across multiple applications (e.g. V PAY, Visa Electron) and specific capabilities e.g. ODA capabilities for Transport for London• Subject Matter Expert on payments industry, including :EMV, Contactless protocols, NFC, Tokenisation, Host Card Emulation(HCE), and Cloud based payments (Visa and MasterCard)Achievements• Nov 2011-led the Network RFP that the delivered the Global partnership with Visa on payment solutions, which included embedded support teams in Vodafone, and a joint investment programme.• Feb 2012 – Managed the RFP for an Issuing/ Processor partner for the SmartPass NFC payment solution• Autumn 2013 to Spring 2013 – roll-out of the SmartPass payment solution (NFC Sim and contactless microtag) in Germany, Spain, the UK and NL.• Nov 2014 - Launched new Transport for London (TfL) NFC Wallet/SmartPass features, including: tap history (for revenue inspection), specific TfL pop-up information when you tap in and out, TfL push notifications in case unable to travel• Successfully managed the Vodafone relationship with Visa Europe, including: overall governance, roadmap/development planning and daily relationship management

Management Consulting, specialising in Financial Services. Accourt combine Consultancy knowledge and a deep creative passion for Marketing to create and deliver real world solutions. Accourt construct and project manage highly effective programmes focused on financial services and loyalty, by leveraging our detailed knowledge, understanding and experience of consumer behaviour, payment processing and technology capabilities.Clients included the Royal Bank of Scotland, Barclays Bank and Visa for whom a range of successful Programmes and Technology solutions were developed.Achievements• Revitalised and broadened Accourt proposition to add new clients (PayPal, Harrods)• Commercialisation strategy for mobile payment applications for international scheme• Completed global assessment of Prepaid market for international Payment services provider

Responsibilities : Managing a team of 40 at its peak, my team was responsible for driving new value propositions for the Consumer Cards division of RBS, Nat West and the MINT brand. We also collaborated with Tesco cards and the Style brands. The projects included new consumer offers, pricing formats, insurance propositions and product structures to improve acquisition, retention and portfolio performance. The portfolios delivered over £800 million in gross income. Achievements:• Created revenue enhancement team to deliver pricing solutions for £20mn in profit, including launch of risk-based pricing• Restructured insurance cross sales to deliver £14mn in incremental profit, strengthening the proposition and winning a 5 star defaqto award

Responsibilities:Managing the Group operations relationship up to ‘C’ level with the UK retail Bank divisions (Current Accounts, Cards, Loans and Private banking). Lloyds operates a transfer pricing model billing over £250 million per annum to these four clients. Achievements:• Delivered annual new business target by month 5, ended year at 160% of target. • Achieved 6% cost savings yoy.• Restructured MI to target cost efficiencies, and improve business processes

Responsibilities:Hired to create a direct sales operation and reduce the reliance on Branch sales – (96% of all cards were acquired via the branches in 2001) and grow the portfolio to £5 billion in receivables.Achievements:• Delivered 1.2 million new card relationships and the £5 Billion receivables milestone was achieved in late 2003.• Direct Channel acquisition increased share from 4% to 40%, driven by a new prospecting database, developed and delivered in less than eight months.• My team won two LTSB quality recognition awards, and our Platinum card DRTV advertisement won an international ECHO DMA award in the USA in October 2003.

Responsibilities : Direct channels Card acquisition - responsible for consumer and small business card recruitment across Europe, with a budget of $21 million deployed in Direct and Broadcast media channels. This included Direct mail, Web, DRTV, and exhibitions. The role was a key influencer in changing the proposition to tailor it to local requirements - for example the Blue Card was a Credit product in the UK, but a Charge card in Germany. Achievements: • Drove credit card growth to exceed Charge cards in the UK for the first time, the largest market in Europe for Amex.• Launched the new Amex Blue product in the UK, Germany, France, Austria and Sweden

Responsibilities: Commercial and Marketing launch of the Goldfish Credit Card reporting to the MD of the joint venture company which partnered with HFC bank (now part of HSBC). Achievements: • Developed and created new Goldfish Card Brand which acquired over 1 million cardholders and over £2.5 billion in receivablesGoldfish was the fastest growing credit card in the UK in 1997.• Developed prospecting database, and internet site allowing points redemption online• Won over 20 marketing awards, and I was voted Direct Marketer of the year by the DMA.