Responsible for leading a team of over 35 professionals across the U.K. and Philippines to ensure the efficient operation of our payment and reconciliations, including strict adherence to FCA safeguarding regulations.

Working directly for the Global Treasurer and Europe CFO, I lead a team to provide excellence in settlement operations, empowering the team to consistently eliminate waste, create efficiencies in processes and motivate to drive for constant improvement. Responsibilities include: • Developing and executing a Treasury settlement strategy in Europe to align with business requirements, address regulatory requirements and implement change programmes• Accountability for payment operations including cash and banking activities, funds transfers, reconciliations and continual monitoring and improvement of controls• Identification and mitigation of risks to ensure security and reliability of settlement operation services developing and consistently testing controls to ensure best in class• Ownership for setting, reviewing and managing budget and forecasting of over €2m cost per annum• Authorisation and provision of monthly accounting journals and associated backup to finance• Primary point of contact for internal and external audit queries• Driving excellence in client services, reducing and streamlining onboarding requirements and provision of clear, prompt responses in all cases• Provision of consultancy services across the business to enable net revenue growth via innovative payment solutions• Lead relationship for internal and external stakeholders and suppliers, including four of Visa’s Critical Service Providers (CSPs). Creation and monitoring of KPIs, KRIs, mitigation of supplier risks and compliance with regulatory reporting requirements• Partnerships with various teams including the operational command centres, legal, IT, cybersecurity and technology to maintain strong relationships and ensure Treasury impacts are understood across the business• Organization and team development - Coaching, mentoring and management of a team of 10, providing constructive feedback to develop top talent as well as deal with poor performance

Responsibilities include: • Developed and implemented settlement strategy to incorporate efficient processes, extensive tightening of controls, exposure monitoring and renewed business continuity procedures• Managed transition of Visa Members onto the Visa Europe Clearing and Settlement platform, including full testing, SSI data retention, managing banking set ups and Member communications• Doubled team size over three years; focused on creating appropriate team structure to maximise efficiencies and maintain controls whilst continuing to challenge and develop each team member.• Prepared and presented business cases to CEO to request funding for a number of projects• Supervision of migration from online banking platforms to SWIFT service bureau• Designed, implemented and mentored on Finance Apprenticeship programme• Directed negotiations of £500m Syndicated Facility, and continued to manage onward payment obligations and communications with Agent• Led renegotiation of banking arrangements, including full RFP, leading to significant reduction in operational costs

• Responsible for FAS133 (IAS39) Hedge Accounting implementation covering Fair Value and Cash Flow hedges• ISDA documentation and negotiation• Bank Account management including opening/closing accounts, polling and signatory changes• Tackled embedded derivatives valuation in both sales and purchasing agreements for compliance with US GAAP (IAS39)• SAP implementation prime

Global Intercompany Settlements Manager• Ownership of global netting process (25 entities, $110m+ per quarter)• Management of inter-company loan documentation, subject to legal, tax and control approval• Reporting on inter-company payables and receivables, loan balances and movementsEuropean Cash Manager• Responsible for execution of all treasury transactions including: - Liquidity management for European entities via daily analysis of cash balances (18 accounts, 4 currencies) and making the required investments or redemptions as necessary - Foreign Exchange spot and swap dealing to minimise group exposures

• UK Prime for T-Mobile Account: Ownership of P&L and Balance sheet (actuals and forecasting) for all results• Financial Planning & Analysis for expanded group of key customers

• Consolidation and analysis of various business area results, reviewing past trends to forecast future expectations and target areas of concern

• Consolidation of Service Provider results • Reporting to senior management