Building Mastercard's Push Payments business in 58 countries across Europe, including bringing Mastercard Send to Europe.Mastercard Transfer Solutions.Working within the European Digital Payments team.Mastercard representative on the European Payments Council Mobile Proxy Forum Steering Committee.

Mastercard's representative on the Steerco. Working with others to create a pan-European inter-operable platform to facilitate cross-border person to person mobile payments.

Worked on a series of consulting projects for international private equity firms, management consultancies, and strategy firms. Subjects included digital financial services and mobile payments, the outlook for cash, international remittances, foreign exchange brokerages, a McKinsey project looking at the impact of the Internet on Africa, and an African lottery programme.

Senior executive responsible for marketing, business development, relationship management & operations. Board Director of MoneyGram subsidiaries. Founder member of UK Remittances Task Force, an initiative of Department For International Development (DFID)• Turned around an under performing business that lacked belief, focus & resources• Increased transactions fivefold. Consistent annual double digit growth. • Signed / re-signed partners; Post Office, Tesco, Cheque Exchange, Thomas Cook, Jersey Post, Iceland Post, MTI, Guernsey Post, IOM Post, Speedy Cash, Lebara Mobile & UAE Exchange • Developed category (corridor) plans, including proposition development, addition of new features, pricing, and a new approach to securing highly competitive exchange rates• Responsible for other European markets (Benelux, Baltic’s, Nordics) during restructures • Activated new Post Office locations through innovative trade marketing to Postmasters• Launched MoneyGram Online, first MoneyGram market after US to offer Internet based money transfer• Increased retail visibility of MoneyGram via a signage programme, including unique dual branded fascias with Post Offices. Created ‘Red Shops’, a concept that has been copied around the world • Improved effectiveness of consumer marketing through ATL advertising, digital marketing and social media (Google SEO, PPC, Facebook, YouTube, QR codes, remarketing), direct mail / SMS, POS materials, events, sponsorships, PR and task force activities• Recruited, led, coached and motivated a multinational sales & marketing team of 20 people.• Automated operations at key agents resulting in significantly improved customer experience, increased staff motivation & significant telecom savings• Actively developed relationships with colleagues in receiving regions. Encouraged communication, sharing of intelligence, ideas, best practices & co-operation via projects• Rebuilt relationships with regulators in Ireland, Denmark, Sweden & Norway

Head of UK/I subsidiary of world’s largest money transfer company. Responsible for P&L, marketing, business development, and agent management. • Improved market leadership position. • Created and executed sales and marketing plan, focusing on new market segments of greatest opportunity e.g. Jamaica, Nigeria, Zimbabwe, Kenya, Ivory Coast, Ghana, India, and Philippines etc.• Ran innovative advertising, CRM, PR, events, sponsorships, research & POS to recruit new customers. Examples included TV advertising to ensure reach; Community events such as Carnivals; Mailing details of a new US$ service to lapsed Zimbabwean customers; Launching a newspaper to access the Albanian community; Created ‘Yellow Shops’ to improve service at POS. • Introduced WU Loyalty Card Reward Programme which increased frequency, recency, average spend & thus improved customer loyalty. • Leveraged Western Union brand values to differentiate brand versus competition. Improved spontaneous brand awareness to 94%, best in class.• Opened UK office and recruited, trained, developed, motivated and led a multi-cultural team of 10.• Established and developed relationships with colleagues and agents in key receiving markets. Quality of marketing initiatives and their execution improved as a result.• Led multi-functional international project teams to maximise customer retention & acquisition.

Reported to President, International Cycling Division. De facto Managing Director of UK/I subsidiary of a US multi-national. Schwinn and GT are leading US bicycle brands. Responsible for P&L, marketing, sales and purchasing. Trained & managed a team of 27 employees. • Turned around business from a loss to a profit through cost reduction and reorganisation.• Increased sales to Halfords despite low market growth. Made GT leading brand within Halfords by creating then leveraging a collaborative business partnership approach. • Improved marketing by introducing professional techniques and creative ideas to acquire customers. Ran promotions with The Daily Mail and McDonald’s to raise awareness of Schwinn and GT. • Applied CRM methodologies to 5000 strong GT owners club to retain loyalty. • Launched 2001 range, including introducing Schwinn into the UK. Acknowledged as best ever launch.

Managed Happy Meal toy promotions for McDonald's restaurants in the Middle East and Africa.• Increased Happy Meal sales by 8% by selling in best practices and superior supply chain management• Created performance reports for McDonald’s, providing fast analysis of key business metrics.• Built reputation amongst other stakeholders e.g. agencies, licensees, McDonald’s management • Improved Balance Sheet/P&L by liquidating obsolete stock, reducing inventory, and collecting debts.• Devised a development programme for staff to improve skills, increase motivation and team spirit.

UK with assignments in Hong Kong (4 years) & South Africa (2 years).Brands included Knorr, Hellmann's, Napolina, Ambrosia, Frank Coopers, Marmite, Lady's Choice, Funa, Huletts, Harts, Skippy.South AfricaReported to MD. Led a team of 18, generating R45 million (£6 million) in revenue. Returned division to profit & integrated an acquisition • Converted a R4M (£500K) loss to profit• Improved margin by 7% points by increasing prices, renegotiating contracts & reformulating recipes• Reduced expenses by sales force restructuring & better use of marketing budget• Identified opportunities through segmentation. Developed marketing strategies to recruit customers including prospect database, CRM, PR, and promotions• Led an integration project to merge 2 food service operations. Made savings of R5M (£700K) by combining sales, marketing, logistics, & IT systemsHong KongReported to SVP Marketing. Developed and grew Food Service Division. Led 17 managers across 13 Asian countries in a matrix structure• Increased sales from US$27M to US$102M, improved margin by 5 percentage points• Created regional strategic business plan & implemented it through local management• Provided leadership by sharing best practices in strategic analysis & focus, product development, ‘cocooning’ customers, organisation and training• Led entry into 6 new countries (China, India etc) that generated sales of US$8M• Grew sales to McDonald's, Pizza Hut, KFC, Wendy’s. Revenue grew from US$3M to US$15M through NPD, relationship building, & sharing knowledgeUKMarketed Knorr Soups and Stocks ranges, which generated revenue of £10M & 42% of divisional profit• Developed & implemented integrated marketing & sales plan, including sales promotion, PR, direct mail, advertising & trade marketing• Gained brand leadership for Knorr soup after a gap of over 20 years• Repositioned the Knorr Stocks range via NPD & packaging improvements. Market share increased by 5% thus consolidating brand leadership

Drinks vending division of the Mars Group - main brands were Klix and Dimension 3 (now known as Flavia)• Responsible for B2B marketing activity in the workplace sector to support launch of Dimension 3. Ran campaigns to generate leads through direct mail, telemarketing, exhibitions and PR to maximise sales force effectiveness. Sales targets consistently overachieved as a result.• Developed and launched decaffeinated coffee. Quickly accounted for 15% of sales. • Led major research project to determine factors impacting lifetime value of customers. Recommendations were implemented, and average revenue per customer increased significantly.

Demonstrated and trained staff in the benefits of using Apple II personal computers and associated software to improve productivity. Assisted in projects at several sites across the UK.