• Responsible for setting up and running the Innovation function within Pay.UK • Lead a team to manage all of the existing products• Responsible for development of new products, go to market strategy, business cases and driving industry adoption to meet growth targets• Accountable for delivery of the Fraud program including mandated and non mandated products, delivering against very tight regulatory deadlines alongside supporting industry readiness • Responsible for delivery of the new Fraud operation, automated capability, processes and target op model• Managing complex stakeholder relationships to drive out great industry solutions; Banks and Building societies, fintech’s, trade bodies, regulators, HMT, HMOKey Achievements:✓ Implemented a product lifecycle management framework alongside controls and risk management process to ensure we drive efficiency and relevance in our product set ✓ Led the early work with Open Banking to understand alternative payment solutions vs cards Now part of the industry group working to deliver a new form of flexible regular payment – Variable Recurring Payments✓ Delivered a new directory and API platform and successfully migrated 140 Confirmation of Payee (CoP) customers (Banks and building societies) onto the new platform whilst also managing onboarding of 300 new customers, delivering 99.5% coverage of the whole UK market.✓ Delivered the new Authorised Push Payment Fraud Scheme, including an industry claims management system, changing the faster payments rules, building a consequence management framework, delivering a new OP model for Pay.UK, all in collaboration with over 600 Banks and Building Societies, the PSR and HMT. ✓ Delivered the first Authorised Push Payment Fraud prevention proof of concept, using pooled data covering 52% of Faster payments volume to prove the benefits of a wider data set in identifying and stopping fraud. The results showed a 40% uplift in detection rates. This product is now in development.

• Responsible for bringing together the, Data, Research and Insights, Product, Strategy and Standards teams into a coherent function. • Delivered a full capability and skills review, got to know the existing team members and brought in new colleagues where there were gaps alongside developing existing colleagues.• Responsible for developing the frameworks and processes to support new ways of working.• Responsible for developing the new company strategy including a significant cultural shift, driven by the Strategy. Brought the executive team and Board on the journey to ensure joint responsibility was developed throughout. Delivered a clear vision, stretching goals and despite being a not for profit business, an acceptance that we must compete and adopt a commercial mindset. Key Highlights:✓ Delivering and embedding the new company strategy across all colleagues and teams, enabling the transformation of Pay.UK✓ Bringing together industry experts, solution providers and the HMRC developer team to deliver in six weeks, two additional fraud verification capabilities to support the Governments Job Retention and Self-Employed Income Schemes at the start of the COVID 19 pandemic.

• Responsible for delivery of a portfolio of retail payments change including; Confirmation of Payee, Secure Customer Authentication, Apple Pay Day 2, Pay by Bank App integration into the Barclays Mobile Banking App and a number of wallet developments. • Budget responsibility of £50m.Key Achievements:o Re-structured the team of 110 BAs, Project Managers and Architectso Increased the engagement scores within the BA population by 12%o Delivered Apple Pay Day 2 on time and in budgeto Mobilized the Strong Customer Authentication team across Barclays and Barclaycard portfolioso Set up a Hearts and Minds team, bringing colleagues together to deliver charity support activities and team morale building activity.

Responsible for delivering PSD and Open Banking Compliance and Opportunity changes for Tesco Bank. Leading an agile team to deliver against regulatory timelines whilst analysing and understanding the opportunity use cases and delivering these.

Responsible for leading the Payments Strategy for Tesco Bank. Responsible for forward facing, innovation and integration of new payments technologies into the transactional banking product and customer journeys. Optimisation of payment journeys, including working closely with the fraud team to understand pain points for our customers and influencing positive change. My team was within the commercial transactional banking team and as such defines products/services and customer journeys and is responsible for driving these new developments through to delivery to our customers.

Development and delivery of the current account propositions for Tesco Bank, including development of longer term strategy, detailed requirements, recruitment of suppliers, acquisition planning, mobile banking and servicing development, working closely with marketing to bring to market and ongoing commercial management once launched

Responsible for embedding SMS as a new channel for servicing and marketing/advertising within RBSG. Working with all areas (predominantly UK retail) to facilitate set up and ensure all new propositions are rigorously challenged/tested to ensure they meet the group’s strategic requirements.

Responsible for managing and developing the retail banks Collective Investment product portfolio as part of the JV with Aviva.

My team was responsible for: - Development and delivery of ongoing strategic plans for the PB channel. - To manage and drive acquisition into the channel utalising a £m marketing budget. - Development, pricing and management of banking and investment products for the affluent customer segment- Manage and deliver ongoing customer comms (PB magazine) and local events for our Private Banking Managers and cients

Responsible for developing strategy for ongoing bancassurance business Representation for Royal Scottish Assurance (RSA) planning and product development working with the product teams in Bristol and the Norwich Union marketing team Manage the RSA product management team and link in with Marketing to deliver campaigns and sales support literature Overall responsibility to deliver the non face- to-face target on an ongoing basis Ensure that communication deliverables and media are used appropriately to all relevant audiences Ensure that an ongoing dialog and instigation of a communication plan between marketing and the network and sales force is delivered and implemented Work closely with compliance and risk to ensure that marketing processes and material meets business needs and regulatory standards

Part of original project team pulled together to launch a life company for Bank of Scotland.Developed and launched a full range of Investment, Life Assurance and Pension productsManaged sourcing and ongoing relationship with specialist copywriters to develop literature and customer comms suite.Responsible for salesforce support to help deliver annual income targets (sales tools/prompts etc)Set up and managed an ongoing internal Bank newsletter promoting the services offered and benefits to customers - to generate leads to sellers

Current account management, promotion and campaigns. Monitoring of competitor pricing and activity Customer and consumer research to inform product developments

In top ten Bank sales people for 2 years running. Both for sales and outstanding customer serviceVery successful in packaged selling - increasing cross sales to 2.5 products per customer - presented teqnique to area managers for roll out to their staffBuilt up and maintained a good working relationship with my Branches, spending time training staff on lead generation and feeding back results. This resulted in good quality referrals.

Wide experience in the branch from entry level to Mortagages and lendingChosen as one of the first "Customer Service Officers" in a new branch structure