Senior board level professional with over 25 years experience in the Payments Industry with a focus on Online Payments, Digital Commerce, Fraud and Identity Management, Payment and related Regulation and Compliance. With a special passion for Payments Innovation, New Payment Models such as Marketplaces and Fintechs and Growth and Expansion Strategy. Founder and Principal Consultant of Payment Options Ltd, advisor at Thunes and multiple online merchants as well as NED at Trust PaymentsHeld a number of executive roles: at Datacash (MasterCard) - executive board member heading Strategy, Innovation, Partnerships and Marketing, earlier at Global Collect (Worldline) - VP in charge of Partnerships and Alliances and prior to that at CyberSource (Visa) - Head of EMEA, developing European markets and widening the payment product portfolio. Five years at Microsoft spearheading payments in the EMEA region as well as providing strategic direction to the Management in the USA. Earlier in the career ten years at Visa International, across variety of roles from Relationship Management to Business Development in new digital payment technologies (smart cards and 3D Secure); working with multinational banks, processors, vendors and professional forums within Central and Eastern Europe, Middle East and Africa region (CEMEA).Specialties: Online Payments, Payment Processing, Ecommerce, Management Consulting, Compliance with Payment Regulation (PSD2 and other), Product and Service Innovation, Strategy, Market Expansion, Product Innovation, Revenue Generation and Optimisation, Mobile Commerce, Online Payment Technologies, Fraud Management, Artificial Intelligence in Payment Processing and Fraud Management, Ecosystem Partnerships, Alliances and Channel Strategy, Identity and Authentication Management, Secure Customer Authentication (SCA), Marketplace payment frameworks, Shared Economy, Gig Economy, Platform Economy, B2B Marketplaces, Payment Facilitator and Payment Institution management.