A creative, experienced change agent, who leads by example, is proactive and positively impacts on an organisation’s strategy and effectiveness. Multi-skilled in product management and marketing, strategy execution, change management, business development and service delivery within the banking and telecommunications industries. I bring valuable, broad-based expertise and innovation to any organisation experiencing the challenge of balancing business growth and continuous improvement.________________________Biography:Nathan Churchward joined Cuscal in April 2014 as Senior Manager, Payment Products and in June 2018 was promoted to Head of Product. He brings a vast range of experience to the role after more than 20 years in leadership roles in the payments industry.As Head of Product - Emerging Service, Nathan leads Cuscal’s involvement in Australia’s New Payments Platform (NPP), both at a product development level, as well as through industry representation and client engagement. As well as NPP, the Emerging Services portfolio covers traditional payment systems, as well as new domains including payments as a service and open banking.Throughout his career Nathan has focused on creating and launching new payment solutions that deliver competitive advantage and enhanced customer experience, in both B2B and B2B2C environments.Prior to joining Cuscal, Nathan worked for Macquarie Bank, Optus and National Australia Bank.________________________Specialties: product management, payment systems, ecommerce, online services, contract negotiation, organisational change management, strategy, business development, internal communications, marketing, branding, telecommunications