May 2025 – Oct 2025 · 5 mos · London Area, United Kingdom

• Following my departure from Lloyds Banking Group, I pursued a strategic career transition focused on enterprise AI and next-generation financial services.
• Focus Areas:
• Advisory & Consulting: Provided strategic guidance to fintech and SaaS companies on embedded finance strategies and AI adoption roadmaps
• Thought Leadership: Delivered speaking engagements on embedded payments evolution and AI-powered commerce (UBS panel with Mews, Ryft, Bain; other industry forums)
• Deep Research & Learning: Conducted comprehensive analysis of the enterprise AI market, including: Agentic AI, Human-in-the-Loop AI markets, AI-powered customer experience platforms
• Strategic Exploration: Evaluated leadership opportunities at the intersection of AI, fintech, and global talent seeking a senior role where I could solve to deliver for a meaningful mission
• Professional Development: Expanded expertise in LLMs, AI agents, prompt engineering, AI governance, and responsible AI frameworks
• This intentional transition has enabled me to enter my next role - Head of AI Incubation at Andela - with deep market insight and a clear vision for building repeatable, scalable enterprise AI solutions.

Oct 2023 – Apr 2025 · 1 yr 6 mos · London, England, United Kingdom · Hybrid

• Product and Partnerships leader (CPO & CCO with P&L accountability) for Lloyds Banking Group’s Merchant Services business where we are driving the transformation (people, process, tech) of a key business unit.
• Accountable for end-to-end payment acceptance offering (acquiring, gateway, POS/ecomm, VAS) for businesses of all sizes from micro merchants to large enterprises.
• Led a cross-functional team of Product Directors, Partner Directors, and Product Marketers / Commercial Leaders.

Sep 2022 – Oct 2023 · 1 yr 1 mo · London, England, United Kingdom

• Pay.UK is the recognised operator and standards body for the UK’s retail interbank payment systems including Direct Debits, Faster Payments, and BACS, ensuring that payments flow without interruption.
• Selected to serve as End User Advisory Council member advising and challenging Pay.UK board to ensure that the needs of end users (consumers, all size businesses) are addressed in their work.
• ➤ Recent innovations from Pay.UK include Request-to-Pay, Confirmation of Payee, etc.

Aug 2021 – Oct 2023 · 2 yrs 2 mos

• Promoted to lead product and commercial (P&L) outcomes across Fintech portfolio, including Cards, B2B Payments, Small Business Banking, Capital for QuickBooks UK, Australia, Canada markets.
• ➤ Member of the Global Executive Team, leading money movement strategy & execution for the international markets, with an eye towards leveraging Open Banking as part of approach to embedded finance.
• ➤ Scaled-up international team from 5 to 32, leading a cross functional team of over 50 staff to define and execute against 3-year strategy for fintech from innovation, commercial planning, to new product launches.
• ➤ Proactively led sourcing and negotiation of all international fintech capability partnership contracts, managing pricing, margin and risk.

Feb 2021 – Jul 2021 · 5 mos

• Appointed as Business Leader (P&L owner) for Fintech Services segment spanning Payments, Capital, Business Banking, and other financial services, building on the existing capability to drive the growth.
• ➤ Developed overall fintech services business strategy, execution and revenue planning incorporating cross-functional contributions across Partnerships, Marketing, Product, and Sales.
• ➤ Part of UK Executive Team, accountable for commercial planning and monetisation strategies across fintech products, leading front book and back book, as well as product roadmap activities.
• ➤ Delivered 400% year-on-year revenue growth accelerating various GTM (go-to-market) activities, customer migration, target audience discovery, active use product features, and sales campaigns.

Jan 2020 – Feb 2021 · 1 yr 1 mo

• Commercial Leader, tasked with building and strengthening foundation of QuickBooks UK payments business, developing proposition & go-to-market for QuickBooks Payments & Lending in the UK.
• ➤ Revenue accountability working across Sales, Marketing, and Partnerships on planning and execution towards overall customer and business (shareholder) KPIs for Invoicing and non-invoicing Payments, and other small business fintech services
• ➤ Delivered data-driven increases in active use portfolio, revenue share, and new product launches.

May 2019 – Jan 2020 · 8 mos · London, United Kingdom

• Commercial Director, with accountability for growing international payments revenue across US, EMEA, and global e-commerce including commercial strategy, sales, revenue planning and execution.
• ➤ Secured tender win of major retailer Primark to deliver full stack payments across European footprint (15+ countries) including omni-channel gateway, acquiring, and point-of-sale solutions.

May 2018 – Jan 2020 · 1 yr 8 mos · London, United Kingdom

• Responsible for the product strategy and enterprise capability development for Europe & Global eCommerce markets via Marketplace partners including Limonetik (now Thunes), and PayMe.
• ➤ Delivered capability roadmap, business case, and execution plan in 9 weeks and secured investment for expansion into Europe and to develop capability for e-commerce marketplaces globally.
• ➤ Orchestrated “One Barclays” strategic partnership with Amadeus GDS including due diligence activities.

Jul 2014 – May 2018 · 3 yrs 10 mos · London, United Kingdom

• Developed an international expansion charter to accelerate Barclaycard Payments’ growth. exploring global acquiring for e-commerce (via BIN reciprocity) as well as omni-channel commerce in the U.S.
• ➤ Achieved U.S market entry staffing a local sales team into the U.S. Built an operating model using Barclaycard local assets to close a £50M white-label partnership deal with Cayan Networks. (now TSYS)
• ➤ Commercialised solution for Visa commitments to EU commission along with leading PI license application to establish EU cross-border entity in Ireland. Achieved 200% ROI within 8 months of launch.
• ➤ Renegotiated US BIN sponsorship extension with Heartland (now Global Payments) for ConocoPhillips.

Aug 2012 – Jul 2014 · 1 yr 11 mos · London, United Kingdom

• Responsible for strategy and business performance of credit products within Wealth Management globally, and management of £140M annual portfolio finance and additional lending growth activities.
• ➤ Accelerated take-up and growth of the Portfolio Finance offering for UK, EMEA, and Asia through determining future state customer journeys, target operating model, and right-sizing specialist function.

Sep 2010 – Jul 2012 · 1 yr 10 mos · London, United Kingdom

• Responsible for setting and driving business benefit realisation OKRs across 18 change management initiatives, working closely with the Managing Director/Head of Business Change for Wealth Management.
• ➤ Prepared financial strategy of critical drivers including banker hiring, sales funnel, and revenue mix for UK private bank growing profits by 400% profit by 2014 and converting framework to EMEA, Asia, & Americas.

Aug 2009 – Sep 2010 · 1 yr 1 mo · London, United Kingdom

• Responsible for defining and executing UK small business strategy for the payment acceptance (merchant acquiring) business, including a launch of innovative desktop and mobile point of sale (POS) solution.
• ➤ Achieved 20% increase in new customer acquisition and 10% increase in sales margin via improved customer segmentation, UK market sizing, target customer profiles followed by customer campaigns.

Sep 2008 – Aug 2009 · 11 mos · London, United Kingdom

• Received Barclays Global Leader Award for 2008 intake of Executive Leadership cadre.

Jun 2007 – Aug 2007 · 2 mos · Greater New York City Area, United States

Aug 1998 – Aug 2006 · 8 yrs · Santa Rosa, California, United States

• (Formerly Agilent / Hewlett-Packard)

Jun 1996 – Aug 1996 · 2 mos · Greater Denver Area