Advising the Bank of England on the challenges of designing, implementing and operating a Central Bank Digital Currency

• Lead a team of 4 focused on long-term strategy development for Spotify payments - transitioning from a Freemium (subscription) payments service processing c.1bn payments p.a. to a true global audio platform processing >3bn payments p.a. across a range of pay-in, pay-out and marketplace use cases• Led a first-of-its-kind partnership with Google to develop and deploy User Choice Billing across 160 markets, delivering significant incremental subscribers in the first 12months• Lead exploration of key payment innovations including blockchain/crypto/stablecoins/CBDC & DeFi, Open Banking & A2A payments, In-App Payments, embedded finance and financial product extensions, etc• Led Spotify’s engagement with Diem Association, including governance, system design, investment and Spotify product/GTM development

• Lead a team of 4 focused on development of TSB’s business-wide payments strategy and product development to support regulatory/mandatory change and business growth plans• TSB Business lead for PSD2 & Open Banking, including Open APIs, Strong Customer Authentication and Testing Facility (Sandbox) delivery in March 2019• Led delivery of SME Payments Acceptance partnership with Square Inc & contract renewal with WorldPay• TSB Industry Engagement lead on UK infrastructure renewal development – New Payments Architecture/ RTGS Renewal/Confirmation of Payee (Pay.UK, UK Finance, Bank of England)• Led review of International payments proposition, including 3rd party engagement and benchmarking• TSB Payments Policy owner, including business oversight of payments training, development & controls

• Supported development of VocaLink’s corporate strategy, including Core UK growth (BACS, FPS, LINK), and strategic growth businesses (Access, Alternative Payments, International Expansion and Data Analytics)• Led review of funding/inorganic options for VocaLink in response to market developments and regulatory review; supported subsequent M&A activity leading to MasterCard acquisition of VocaLink• Crytptocurrency/Distributed Ledger/Blockchain Lead for VocaLink, including assessment of impacts & opportunities, partnerships and proof-of-concept projects (both internal and external)• Directed strategic review of Pay by Bank App including business model, product, financials & go-to-market• Co-ordinated review of VocaLink international strategy after initial success in Singapore, Thailand & USA• Led evaluation of international partnership opportunities for VocaLink’s Immediate Payments Gateway solution, resulting in multi-year international strategic partnership with ACI Worldwide• Managed business wide review of the potential opportunity for real-time, international X-border payments• Supported a review of the UK Identity landscape including potential participation opportunities for VocaLink

• Led development of Visa Europe’s mobile and contactless payments strategy including goal/objective setting, market analysis, value chain assessment, opportunity sizing, commercial negotiations, and product strategy• Developed approach to the Trusted Services Manager (TSM) role in mobile payments, including commercial negotiations with key partners such as Gemalto, Oberthur and G&D for a white-label service• Led the opportunity sizing for Fundamo’s “mobile money” solutions within Europe• Delivered a revised Contactless growth strategy for Europe resulting in 400+% growth in contactless transactions over 24 months• Led development and communication of Partnership Principles to facilitate bank-MNO collaboration for NFC payments• Managed digital product convergence strategy for V.me, NFC, P2P payments and loyalty including the potential for alternative retail POS solutions• Led a review of emerging technology options, including NFC, QR, Bluetooth LE, MRT, Host Card Emulation, Biometrics and Tokenization

• Developed the corporate strategy looking at market and business unit strategy in detail • Led the EMV migration strategy resulting in the investment of c.€3-5m to close key coverage gaps in the German and Baltic markets and continued incentive support for EMV adoption• Managed cross-divisional project to review authentication strategy leading to a revised, risk-based approach to authentication and plans for use of 3rd party (non-bank) authentication, biometrics and passive profiling

• Directed a review of market and product-level profitability, including an assessment of the implications of the group operating model on future growth plans• Led the annual refresh of the Group strategy for discussion with the European Board

• Developed the strategy to enable mobile banking and SMS services for all retail customers gaining over 1m users per month and won a Financial Innovation Award • Tested the appeal of bundled products for mass affluent UK customers

• Provided support and challenge to the CEO/COO and acted as point of contact for IRCB Exec• Project managed a review of the mortgage process turnaround time for Barclays’ European businesses and delivered opportunities for 40-60% reduction in process time

• Carried out quantitative and qualitative support for the Group’s inorganic agenda which led to purchase of 56.4% stake in Absa Group (S. Africa) and attempted bid for ABN Amro• Led the development of a medium term plan which enabled the Group CEO/Executive Committee to agree the resource prioritisation and performance targets for the next 4 years• Undertook analytical and strategic support for the development of the group’s emerging markets / ROW portfolio strategy resulting in the organic retail banking entry into UAE & India and inorganic international expansion of Barclays Capital, BGI and Barclaycard

• Carried out modelling and analytical support for UK, European and International strategic consulting projects within the financial services, alcoholic drinks, short holiday, retail, transport and telecoms industries