Senior Leader in the Innovation Hub, reporting to the CIO. • Historical milestone: obtained formal approvals by Bank of Canada and Payments Canada to become a Direct Clearer in the Automated Clearing & Settlement System (ACSS), ensuring Peoples to becoming the first financial institution in Canada to be a Direct Clearer since ACSS launched in 1984.

Member of the Senior Leadership Team, reporting to the COO. Responsible for all strategic marketing, innovation and product development initiatives within Peoples Group.• Company first: initiated and coordinated the complete re-branding of Peoples Group and its subsidiaries.

Reporting to the President, responsible for all business, operational, technical and compliance activities as well as contributing to the formulation of strategies and business plans to achieve the company’s long range objectives.• An impressive track record of implementing state-of-the-art products and services at the forefront of technology. Under his watch, the PCS team has won several industry awards: M-Wallet of The Year, Top Motivator, Leading Prepaid or Payments Organization, Best Prepaid & Payments Innovation and Best Corporate or Government-Funded Prepaid or Payments Program. These awards reflect multiple market segments including: Telecom, Retail, Corporate, Payroll, Health, Travel and Government.

Reporting to the COO, providing oversight of the day to day management of administration, settlement and fraud & risk of all prepaid and credit card programs.• Developed and implemented a framework for structural improvements in implementation, administration, fraud & risk and customer services.• In this role, his team has won several industry awards: Prepaid with Soul, Best International Travel/Remittance Prepaid Program and Breakout Prepaid Company of the Year.

The Member Advisory Council (MAC) is a 20 person council, codified in the Canadian Payments Act, with a mandate to provide counsel and advice to the Board on the exchange and clearing and settlement of payments and the development of new technologies. • Proactive participant in the Modernization Program, an industry-wide initiative to modernize the Canadian payments ecosystem, underpinning the country's financial structure and economy.

FinPay is a forum of public and private sector representatives that discusses industry level developments in the Canadian payments system, chaired by the General Director, Financial Sector Policy Branch, Finance Canada.• Following the completion of the report of the Taskforce for Payment Systems Review, John was invited by the Department of Finance Canada to join as a member of FinPay.

Given the importance of a safe and efficient payments system and the need to ensure it remains effective in light of new participants and innovations, the Task Force was asked to provide concrete, actionable advice and recommendations to the Minister of Finance. • Based on knowledge and experience gained while participating in the creation of a regulatory framework for the payments industry in Europe (Payment Services Directive, SEPA), John was invited by the Department of Finance Canada to participate in the Regulatory Advisory Group of the Task Force.

Independent full service consultancy firm specializing in electronic payments and related financial services with a key focus on e-commerce, mobile payments, e-invoicing and e-identity.• Demonstrated thought leadership in e-commerce, m-payments and related services, shaping breakthrough business and market innovations and standards in Europe and North-America.

The leading independent global publishing company of news and analysis for professionals in the payment industry with a portfolio of online publishing products, including social networks.• Grew The Paypers from start-up to a profitable industry leading media company for the global payments industry.

Independent full service consultancy firm specialized in electronic payments and related financial services with a focus on e-commerce mobile payment, e-invoicing and e-identity. • Introduced a breakthrough e-invoicing solution for instant claim handling in health care, based on proven technology from the payments industry, with substantial cost savings for all parties involved.

Egyptian Company for Automated Bill Processing Systems GiroNil S.A.E. is a joint venture founded by Banque MISR, Egypt Post, CIB and Inclusion group. Established to provide a high-volume payroll and bill payment infrastructure for the Egyptian mass market. • Incorporated a joint venture with Egyptian banks and Inclusion Group. Supervised a team of marketing professionals of associated banks. Introduced a world class, cost efficient inter-bank clearing and settlement system ('Giro') in Egypt for the general public with the Government, Banks, and Corporations.

Investment and consulting firm that initiates and runs projects that contribute to the sustainable development of the financial sector in emerging markets.• Developed the export strategy of intellectual property on cost efficient processing solutions for mass payments (salary, bills, transfers) into emerging economies. Designed and executed a partner marketing plan to introduce mass payment processing in Egypt.

Innovation department of a major pan-European payment processor, leading the market for near real-time clearing, settlement and card processing solutions. • Developed a major new business opportunity for Equens with an 18 month time-to-market. Introduced an innovative service 'Mobile Top Up' into a new market (Telecom). Negotiated and closed high volume contracts with all domestic mobile operators.