• Lloyds Bank at Sibos

    We were delighted to participate in this year’s Sibos in Toronto. Thank you for visiting our stand and meeting our team.

    Reflecting on the year's events, we have created a selection of thought leadership which you can find in our ‘Insights’ menu. The content covers key issues such as Brexit, regulatory reform, and financial institution sentiment and we hope you find them useful.



    Lloyds Bank delegates

    Samuel Amoako
    Otto Benz
    Mark Brotherton
    Pat Curran
    Loukas Dasargiris

    Samuel Amoako
    Director

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Transactional banking, Risk & Relationship Management

    Biography
    Samuel has responsibility for managing the cash management and payments sales and business development with banks across Europe, Middle East, Southern Europe, Americas and Turkey.

    Since joining Lloyds Bank in 2007 from RBS, Samuel has undertaken a variety of roles including Trade Finance (Origination & Risk Distribution), Business Management, Client Development & Planning, and Financial Institutions Coverage.

    Samuel obtained his Undergraduate Degree at the University of East Anglia, he holds a Post Grad Diploma in Finance from the London School of Economics, and is an MBA student of Warwick Business School.

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    Otto Benz
    Payments Technical Services Director

    Business area / division
    Global Payments, Group Services

    Area of expertise / specialism
    Payments Strategy Forum and its New Payments Architecture
    Payments mechanisms, clearing and settlement (UK)

    Current role and responsibilities
    As Payments Technical Services Director, Otto plays a leading role in defining the strategic payments direction for Lloyds Banking Group, building strong relationships with the Group's Commercial and Retail Divisions as well as influencing across the UK's payments industry. The role is varied and covers elements including ring-fencing, PSD2, open banking, resilience and cyber security for Global Payments.

    Previously Otto held the role of Strategic Payments Director at Virgin Money for 4 years and looked after all payments operations across the bank.

    Otto is a graduate of Queens’ College Cambridge, where he studied Engineering.

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    Mark Brotherton
    Director, Fraud and Financial Crime

    Business area / division
    Fraud & Financial Crime, Commercial Banking

    Area of expertise / specialism
    Driving change, risk and control

    Biography
    Mark is the Director, Fraud & Financial Crime for the c£5 bn Commercial Banking Division which includes LMLRO responsibility. He leads a team of specialists across Fraud, Financial Crime, Sanctions and Anti-Bribery and is also responsible for a number of large related Change Programmes. He has been the Group’s Accountable Executive for the SWIFT KYC Registry for the past two years.

    Mark was formerly the COO for financial institutions (FI) at Lloyds Bank. As a member of the FI Executive Committee reporting directly to the Managing Director, Mark had a diverse range of accountabilities across the following disciplines; client service, risk, change, cost management, HR and data.

    He also had Executive Management responsibility for the FI business in Asia and Europe.

    Previously he was COO for the Group’s North American business based in New York and also spent time supporting the Group Finance Director during the financial crisis. Before this, Mark spent fifteen years as a Relationship Director leading to the role of Area Director, Commercial, in the UK.

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    Pat Curran
    Head of Client Delivery

    Business area / division
    Payments Technical Services, Global Payments, Global Services

    Area of expertise / specialism
    International and UK Domestic payments, Cheque Services, UK, EU and International regulation relating to payments

    Biography
    Pat has worked for Lloyds Banking Group for a number of years and has built a deep understanding of Payments. She has extensive operational and people management experience and has been involved in virtually all of the Banks strategic initiatives to date.

    She currently leads a team supporting FI Sales and Network activities and assists the Commercial Bank on a broad range of issues. She is also covering as Head of Trade Services on an interim basis.

    Pat is also responsible for managing the Payments relationship between Lloyds and TSB Bank and manages any external issues impacting the Financial Stability of LBG, on behalf of Global Payments.

    Pat is an Associate of the Chartered Institute of Bankers (Intl).

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    Loukas Dasargiris
    Senior Director, FI Trade Sales

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Global Transaction Banking, Financial Institutions, Trade Finance, Payments and Cash Management, Emerging Markets and Risk

    Biography
    Loukas is a Senior Banker in Financial Institutions, where he is responsible for the delivery of the suite of Trade products that meet clients’ international and domestic trade needs across Europe and Latin America.

    Loukas joined Lloyds Bank in 2017 and he has over 27 years of banking experience, the vast majority in global transaction banking and international banking.

    He has held senior roles in sales and relationship management, across EMEA and Latin America and he has over 15 years of experience as a leader in building and running multi-regional sales teams and achieving transformational growth within exemplary risk parameters.

    Prior to joining Lloyds Bank, Loukas was Managing Director and Head of Financial Institutions and Corporates CEEMEA, Southern Europe and Latin America at RBS.

    Loukas has an MBA in Finance from Birmingham Business School and a degree in Business Administration.

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    Robert Ellison
    Steve Everett
    Alexis Formosa
    Russell Haward
    Clive Higglesden

    Robert Ellison
    Managing Director & Global Head of Banks

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Financial institutions, capital markets

    Biography
    Robert has global management responsibility for the Banks Coverage team who are based across the UK, the US and Asia.

    Robert has 16 years’ experience advising financial institutions on issues related to capital markets financing, balance sheet management and regulatory capital.

    Robert was most recently at UBS, where he served as co-head of the bank’s financial institutions group ( FIG) debt capital markets business.

    Robert is a graduate in Law from the University of Edinburgh.

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    Steve Everett
    Head of Product & Propositions, Global Transaction Banking

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Transaction Banking

    Biography
    Steve is the Head of Product & Propositions, Global Transaction Banking having joined LBG in October 2014. GTB Product & Proposition’s focus is to meet client needs by developing products, managing them through their lifecycle and shaping them into propositions in Cash Management & Payments, Trade & Supply Chain Finance and Asset & Invoice Finance areas. The target client base ranges from SME's, through Mid-market to Global Corporates and Financial Institutions.

    Prior to joining LBG, Steve spent c15 years with RBS performing senior leadership roles spanning global transactions services ( GTS), financial markets and corporate banking and leading key strategic programmes which have transformed businesses. His final role was Global Head of Cash Management with responsibility for all payment and liquidity products spanning a network of 38 countries.

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    Alexis Formosa
    Associate Relationship Manager

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Relationship management, financial institutions coverage

    Biography
    Alexis is a Relationship Manager in the Financial Institutions team covering Asian, Middle Eastern, UK and European global banks. The role focuses on identifying and originating new opportunities to work with banks across the portfolio, delivering relationship growth and strategy setting.

    Prior to joining the FI Banks team in 2015, Alexis was part of Lloyds Banks’ Graduate Management Scheme, where he held roles in several areas of the bank including Private Banking, Consumer Finance and Risk Operations.

    Alexis holds a BSc Hons degree in Business Management from Cass Business School.

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    Russell Haward
    Markets Operations & Trade Services Director

    Business area / division
    Group Services

    Area of expertise / specialism
    Cash & Securities, Financial Markets, Cash & Liquidity Management, Change Management

    Biography
    Russell is currently Markets Operations & Trade Services Director with responsibility for middle office, back office and client support for Lloyds Bank’s Commercial Lending, Financial and Capital Markets, Trade Finance and Group Corporate Treasury businesses.

    Russell has been with Lloyds Banking Group for over 25 years and spent his career within specialist commercial banking and payments businesses, holding senior positions in Change, IT and Operations.

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    Clive Higglesden
    Head of Trade and Supply Chain Finance, Product

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Global transaction banking, financial institutions, trade finance, risk

    Biography
    Clive is Head of Trade and Supply Chain Finance, Product and leads the team that drives the development of a suite of trade products that meet client's international and domestic trade needs. He is also responsible for trade asset management within Lloyds Bank.

    Clive has over 30 years banking experience, the vast majority of this has been in global transaction banking and international banking. He has held senior roles across sales, relationship management, risk and product. Prior to joining Lloyds Bank in 2013, Clive was Managing Director and Head of Financial Institutions EMEA, Global Transaction Banking at RBS.

    He has a MBA in Finance from Cass Business School and a degree in Economics.

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    Louise Hueting
    Nahed Kamel
    Gemma Keenan
    Cate Kemp
    Gary King

    Louise Hueting
    Director, Client Coverage, Financial Institutions

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Payments and cash management solutions for Financial Institutions

    Biography
    Louise has responsibility for running the Banks sales team for cash management and payments. She also covers a portfolio of clients in the Northern Europe.

    Louise is an experienced Global Transaction Banking professional who has worked for over 15 years in the banking industry, primarily focused in the financial institutions cash management space.

    Prior to joining Lloyds Bank in 2015, Louise worked at JP Morgan and Wells Fargo Bank in transaction banking coverage and sales management roles. She holds a BSc from the University of Southampton in Mathematics and Management.

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    Nahed Kamel
    Director, FI Trade Finance Sales

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Trade finance and relationship management

    Biography
    Nahed has more than 20 years experience in trade finance sales and relationship management. She is responsible for growing and maintaining the trade finance relationships across EMEA.

    Nahed joined Lloyds Bank in April 2015, from HSBC Bank Middle East. She holds a BA from the American University in Cairo, in Mass Communication.

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    Gemma Keenan
    Chief Operating Officer, Financial Institutions

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    COO – Markets, financial management and product control

    Biography
    As Chief Operating Officer for Financial Institutions ( FI), Gemma has a diverse range of responsibilities across Business Development, Client Services, Finance, Risk, Conduct Management, Change Management and People. Gemma is also the Accountable Executive for the Financial Institutions Asian and European businesses.

    Gemma has over 15 years’ experience in Financial Services and has held a number of senior roles in Finance, Product Control and Sales & Trading Business Management across Equities and Fixed Income.

    Gemma joined Lloyds Bank in 2013 within Financial Markets from Bank of America Merrill Lynch where she was COO for Equities Emerging Markets CEEMEA. She holds a Masters degree from Cambridge University and is a qualified Chartered Global Management Accountant ( CIMA).

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    Cate Kemp
    Global Transaction Compliance Director

    Business area / division
    Global Payments, Group Services

    Area of expertise / specialism
    Financial Crime Compliance Technologies and Operations, Payments, Change, Risk, Audit

    Biography
    In her role as Global Transaction Director at Lloyds Bank, Cate established and now heads up the Group’s Compliance Shared Services for Financial Crime investigations and technologies. Cate also established and leads Lloyds Banking Group’s Payments Policy and governance arrangements globally, including development, deployment and monitoring.

    Cate is at ease with taking difficult and often complex regulatory requirements and delivering sustainable solutions, partnering across the Group and industry. Cate’s current professional interests lie in leveraging synergies across fraud and financial crime through process and technology.

    During her 27 year financial services career, Cate also has rounded leadership and practical experience across many other disciplines including Audit, Risk, Customer Service, Insurance, Complaint handling, HR and Payments. Cate is an MBA graduate and qualified banker.

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    Gary King
    Head of Architecture – Payments & Financial Crime Prevention

    Business area / division
    Architecture, Methodology & Innovation, Group IT

    Area of expertise / specialism
    International and domestic payments, financial crime detection and prevention, service resilience.

    Biography
    Gary is responsible to both the Group CTO and the Global Payments MD for the alignment of the technology solutions within the payments and financial crime prevention domains to the Group’s business and technology strategies.

    Gary’s team supports the identification and development of technology solutions that realise the business’ strategic priorities through execution of the Group’s technology strategy. Recent initiatives include the development of Open Banking within the UK including PSD2, the specification of the UK’s New Payments Architecture and the modernisation of the Group’s technology building blocks.

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    Christian Kramer
    Samir Lalvani
    Sofia Larsen
    Nathan Martin
    Oonagh McGrane

    Christian Kramer
    Product Owner, Payments PISP & Regulatory Engagement, PSD2 Open Banking

    Business area / division
    Global Payments, Global Services

    Area of expertise / specialism
    UK and International Payments Regulation, Payment Service Director 2, Open Banking

    Biography
    Christian is a payments regulation expert at Lloyds Banking Group currently responsible for Payments and Regulatory Engagement within the PSD2 Open Banking programme. Previously, he has lead the team within Global Payments that is responsible for engaging with external stakeholders including regulators covering all things ‘payments’ as well horizon scanning and leading on new regulations and trends. He is a member of a number of industry working groups covering Open Banking and sits on the board of FPS as Alternate Director.

    In previous roles, Christian headed up the banking teams within LBG’s High-Net-Worth Private Banking division as well as working in the International Private Banking. He was based in Jersey, the Isle of Man and Los Angeles for a number of years with responsibility for North America for the Lloyds TSB Offshore business.

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    Samir Lalvani
    Managing Director & Head of Financial Institutions, North America President, Lloyds Securities Inc.

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Financial Institutions, Capital Markets

    Biography
    Samir has regional management responsibility for the Financial Institutions Coverage team in the U.S. Samir first joined the Lloyds Banking Group in 2009 as Managing Director, Head of Capital Markets, North America, with responsibility for building a Markets’ business in North America.

    Prior to re-joining Lloyds Banking Group in 2016, Samir worked at ANZ Bank for one year as Head of Coverage & Deputy CEO, North America and prior to joining Lloyds Banking Group in 2009 spent ten years at Citigroup in the Structured Solutions team. Samir spent eight years in the Branded Consumer Industry prior to his career in Banking.

    Samir graduated in Economics from Brown University and completed his MBA in Finance at NYU’s Stern School of Business.

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    Sofia Larsen
    Director, Banks, Financial Institutions

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Financial Institutions, Northern European Banks Coverage, Cross Product Solutions, Regulation

    Biography
    Sofia is a Relationship Director in the Northern European Banks team and has responsibility for some of Lloyds Bank’s largest banking relationships in the UK, Nordics & France. Prior to joining Lloyds Bank in 2010, Sofia spent 10 years covering the financial institutions sector in Northern Europe focusing on investment banking at a number of banks including HSBC and more recently NAB.

    In addition to coverage roles, Sofia also spent some time in M&A at Commerzbank as well as having been responsible for European capital markets data at SNL Financial in London.

    Originally from Sweden, Sofia has an MA (Hons) Degree in Economic Science from University of Aberdeen and has lived in the UK for 20 years. She has over 16 years’ experience in banking.

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    Nathan Martin
    Director, Transaction Banking

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    UK/ European clearing, international payments, FI coverage, FinTech discovery and collaboration

    Biography
    As a digital focused Corporate Banker, Nathan brings a wealth of experience to GTB. With his passion for disruption and payment evolution, he brings innovative insight to the rapidly changing Correspondent banking market.

    He’s major focus is on Financial Institutions sales globally and with 14 years banking experience has covered a number of sectors, including FIs, Global Corporates, Mid Markets and Retail Banking.

    Nathan holds a Bachelor of Business degree from the University of Technology, Sydney.

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    Oonagh McGrane
    Director, FI Propositions

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    International Transaction Banking, Operations, Financial Institutions

    Biography
    Oonagh is responsible for the development of the Global Transaction Banking proposition we offer to FI Clients as well as ensuring we have the coverage we need to service the international Global Transaction Banking needs of Lloyds Bank Customers, setting the GTB network strategy, identifying partners, future roadmap & managing our Network.

    Oonagh is a Global Transaction Banking professional with over 20 years’ experience in the field of International Cash Management & Payments. Prior to joining Lloyds Bank in December 2015, she worked for Citibank, ABN AMRO and RBS covering a variety of roles in Operations, Client Service, Product and Relationship Management.

    Oonagh holds a B.A. (Hons) Degree in Applied Languages from Dublin City University.

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    Gavin McLean
    Stef Merckx
    Adam Raw
    John Salter
    Ritu Sehgal

    Gavin McLean
    Head of Cash Management & Payments

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Payments, Corporate cash management

    Biography
    Gavin is the Head of Cash Management & Payments within Global Transaction Banking. Gavin leads a large team which is at the heart of planning, developing, marketing and delivering a 1st class Transactional Banking Product Suite that meets the needs of our client base, both domestically and internationally.

    Gavin has spent his entire career working in the payments and corporate cash management business. His previous roles include managing teams in customer fulfilment, customer support, operations and product management. Gavin has a strong track record of leading teams to achieve business objectives and enjoys working with people and products that help customers work better.

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    Stef Merckx
    Managing Director, Northern Europe

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Client coverage banks, capital markets, financial markets and transaction banking

    Biography
    Stef is the Senior Banker in Financial Institutions, where he is responsible for the Global Banks Relationship Management team in Northern Europe. Stef covers the Bank clients in The Netherlands, Belgium, Germany and Switzerland with a focus on providing liquidity, transaction banking, funding and risk management solutions to Banking clients.

    Prior to joining Lloyds Bank, Stef worked at RBS and ABN AMRO in a number of client coverage roles as well as leading teams. During his career spanning well over 20 years, Stef has been working with both Financial Institutions and Public Sector entities a.o. in The Netherlands, the US, and most recently in the CEEMA Emerging Markets.

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    Adam Raw
    Head of Financial Institutions Propositions

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Transaction banking, financial institutions & risk

    Biography
    Adam joined the Global Transaction Banking team in May 2015 to develop our go-to market approach for institutional and non-bank financial institutions clients. His focus is on building offers that meet the core transaction banking, trade and fixed assets needs of these segments.

    Prior to joining Global Transaction Banking, Adam spent six years working in both the Global Corporate and Financial Institutions coverage teams. Most recently he supported the MD, Financial Institutions as his Executive Assistant.

    Adam joined Lloyds Bank in 2007, after completing a BSc in Economics and French, from the University of Birmingham.

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    John Salter
    Managing Director, Global Corporate and Financial Institutions

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Sales Strategy, Product Management and Business Management & Strategy

    Biography
    John is currently Managing Director for the Mid Market, Global Corporate and Financial Institution client sectors, where he is responsible for client revenues across all Global Transaction Banking products for these key segments.

    John runs a client coverage and origination team of over 120 FTE located in the UK and Europe generating income of c. £912 m, liabilities of £51Bn and £14Bn of assets.

    As a member of the GTB Executive Committee, John is part of the leadership team committed to establishing Lloyds Bank as the leading UK provider of transactional banking services.

    John has over 20 years’ experience as a leader of specialist teams and over 16 year’s international experience, building and running regional sales teams and working across all business segments.

    As a former Head of Product for Cash and Trade, John has deep product knowledge, combined with strong Change Management skill. He has overseen strong growth in his business, using his knowledge to shape and prioritise investment decisions and his strong people management skills to build team to monetise new products.

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    Ritu Sehgal
    Director, Financial Institutions

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Banks Coverage - Asian, UK and Middle East Banks

    Biography
    Ritu is part of the Global Banks team with responsibility for leading relationships with Asian, UK and Middle Eastern Banks. The role focuses on originating opportunities to work with complex client set of banks across products and diverse jurisdictions.

    Ritu has over 15 years’ experience within the Corporate and Financial Institution sectors. Prior to joining Lloyds Bank in 2011, Ritu held senior roles in various investment and corporate banking functions with RBS/ABN Amro and BNP Paribas in Europe and Asia.

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    Paul Shaw
    Chris Spedding
    Cameron Spiers
    Matthew Tait
    Edward Thurman

    Paul Shaw
    Network Manager

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Payments and Cash Management

    Biography
    Paul is an experienced Global Transaction Banking professional with over 13 years’ experience. He is currently responsible for managing the group's outward correspondent bank network covering International Payments, Trade Finance, and International Cash Management.

    Prior to working in Global Transaction Banking, Paul worked in a variety of roles within the Global Banks Team at Lloyds Bank, eventually working as Relationship Manager covering relationships in Asia.

    Paul was awarded an AMCT Diploma in Treasury from the Association of Corporate Treasurers ( ACT) as well as holding a BA Hons degree in History and Politics from the University of Manchester.

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    Chris Spedding
    Managing Director, Head of Global Transaction Banking, North America and Asia

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    International Banking, Transaction Banking

    Biography
    Chris is responsible for leading the execution of our Transaction Banking strategy internationally through managing US/Singapore-based sales teams.

    With over 17 years of experience in the corporate client management and transaction banking fields, Chris heads Lloyds’ Transaction Banking Sales teams in Singapore and the USA.

    Chris has held a number of roles in the Commercial Banking division of Lloyds, including chief of staff to the CEO, Commercial Banking and prior to his current role Chris led the Bank’s approach for optimizing the Group’s business model in preparation for the implementation of the UK’s Ring Fencing regulations.

    Chris joined Lloyds in 1999 and has a Joint B.A. (Hons) in Modern Languages from the University of Nottingham, England.

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    Cameron Spiers
    Network Manager

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Payments and Cash Management

    Biography
    Cameron is an experienced Network Manager and international payments expert with over 16 years of experience in various roles in International Banking. He is currently responsible for managing the group's outward correspondent bank network covering International Payments, Trade Finance, and International Cash Management.

    Cameron joined Lloyds Bank in 2015. Prior to working in Global Transaction Banking he worked as a Network Manager for another large financial institution. He has run large operational teams looking after FI and Commercial banking clients and worked in various roles in payment investigations and Sterling and Euro cash flow liquidity management.

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    Matthew Tait
    Relationship Director, Irish, LatAm, Southern Europe and Turkish Bank Coverage

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    FI Coverage, Transaction Banking, Capital Markets, Financial Markets

    Biography
    Matthew is responsible for the origination of business with Bank Relationships across Lloyds Bank products, including Global Transaction Banking, Capital Markets and Financial Markets.

    He currently heads up the coverage of Irish, LatAm, Southern European and Turkish Banks, having previously covered banks in Africa, America, Asia and Australia.

    Prior to joining the Global Banks Team in April 2011, Matthew has undertaken a variety of roles including Global Corporate coverage, Property Finance and Treasury roles at Anglo Irish Bank, along with economic advisory at HMRC.

    Matthew is a CFA Charterholder, IMC qualified and holds an Economics degree from Brunel University. He sits on the CFA UK Ambassador Board and mentors 15 Ambassadors at Banks, Asset Managers and Insurance Companies in the City of London.

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    Edward Thurman
    Managing Director and Head of Financial Institutions
    Group Ambassador for London

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Financial Institutions

    Biography
    Ed joined Lloyds Banking Group in August 2008 as a Director in Group Corporate Development. He was responsible for the development and formulation of the Group’s corporate strategy and was a member of the team that led the Group Strategic Review. Prior to joining Lloyds, he held senior strategy roles at Bear Stearns and ABN AMRO and before this spent five years with McKinsey & Company, consulting across the industry but with an emphasis on Wholesale Banking clients.

    After completing a degree in Economics, Ed began his career at the Bank of England before moving to the Financial Services Authority at its formation in 1998. He left for McKinsey the following year.

    Ed has been Managing Director, Financial Institutions since October 2012. The Financial Institutions client unit was created at the inception of the Commercial Banking business to create deeper institutional focus on this segment, and to best harness emerging industry trends to our benefit.

    In addition to his management responsibilities of the Financial Institutions business, Ed is also responsible for strategy development in Commercial Banking and is the accountable executive for leading the next Group Strategic Review for the division.

    Ed is also closely involved in the development of the Group’s response to the industry’s emerging regulatory landscape and is the Group’s Regional Ambassador for London.

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    Christopher White
    Tom Wicka
    Michael Zentz

    Christopher White
    Managing Director - Banks

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Relationship management, cash and payment, trade, balance sheet management, risk management, bank regulatory capital, funding, debt capital markets ( DCM).

    Biography
    Christopher is a Managing Director and joined the Banks team within Financial Institutions in July 2015. Christopher is responsible for the coverage of Banks and Building Societies in the UK, Australia, New Zealand, South Africa and Africa.

    Christopher joined Lloyds Bank in August 2008 and was one of the first brought in to service Lloyds Bank as an issuer and build out the FI DCM business. He joined the bank from Citi, where he covered UK and Irish banks for four years in FI DCM and prior to that worked in Mergers and Acquisitions at Serco.

    Christopher has significant experience in the structuring and execution of regulatory capital and funding for banks across jurisdictions. He helped build the Lloyds Bank DCM franchise through his coverage of UK, Australian, US, Canadian and South African banks.

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    Tom Wicka
    Managing Director, North American Banks Coverage

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Client Banks Coverage, Relationship Management, Capital Markets, Financial Markets and Transaction Banking

    Biography
    Tom leads a team responsible for covering the North American Bank clients with a focus on providing liquidity, transaction banking, funding and risk management solutions.

    Tom is recognised as an expert in his sector and has strong product knowledge and technical skills across Capital Markets, Financial Markets and Transaction Banking. Tom has a strong track record of originating and delivering client centric solutions and has an extensive network of contacts across his client relationships.

    Tom joined Lloyds Bank’s graduate management scheme 17 years ago. Prior to joining FI in 2007, Tom specialised in product and marketing roles in Retail, Corporate and FI, managing and growing the profitability of a number of product lines.

    Tom is a graduate of The University of Reading and and has a postgraduate degree from the Chartered Institute of Marketing ( CIM). Tom is a member of the Association of Corporate Treasurers ( ACT).

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    Michael Zentz
    Director, Banks Coverage

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    North American Bank Coverage

    Biography
    Mike has 15 years of relevant experience in capital markets, securities and bank coverage. He has served in roles in structured finance, FIG capital markets and FI coverage, spending his whole career covering banks and non-bank financial institutions.

    Prior to Lloyds Bank, Mike worked at UBS Investment Bank, CRT Capital Group and Fitch Ratings. He has an MBA from Yale School of Management and an undergraduate degree from Bowdoin College.

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    Insights

    Lloyds Bank is committed to delivering topical thought-leadership that explores the issues that matter most to you, from the impact of change in the regulatory environment to the trends that could shape the financial institutions of the future.


    Banking reform: what is still to come?

    With a large number of banking regulatory reforms still in the pipeline, our regulatory insight briefing outlines the changes we could soon expect to see.

    Find out more

    The future of the UK and Europe

    Our client briefing document offers factual information on the mechanical and technical aspects of leaving the EU and helps business planning.

    Find out more

    Financial Institutions Sentiment Survey 2017

    Our second annual Financial Institutions Sentiment Survey shows an industry balancing cautious optimism with the need to respond to a uniquely challenging environment.

    Find out more

    Finding a strategy amidst PSD2 uncertainty

    In Europe the deadline for PSD2 compliance is fast approaching and whilst many financial institutions (FI’s) are working towards the target date of 13th January 2018, uncertainty continues around the exact requirements for the implementation of the Regulatory Technical Standards (RTS) including Access to Accounts (XS2A).

    Find out more

    Correspondent Banking is dead, long live Correspondent Banking

    Correspondent Banking is no doubt in the midst of unprecedented change – unprecedented as we have never experience this level of change in one period of time.

    Find out more

    The changing landscape of the UK Domestic Payments Market

    A combination of regulatory change, technological advancement and shifting social dynamics has informed the evolution in the UK payments landscape that we are seeing today.

    Find out more

    Ringing the changes: The road towards structural reform

    Lloyds Banking Group is currently implementing ring-fencing - the centrepiece of the UK’s structural reform agenda in the banking sector. Last year Akhil D. Shah introduced ring-fencing. Here he highlights the progress being made, and explores the effect on the Group's financial institution (FI) clients.

    Find out more
    Mind the Capital Gap

    Mind the Capital Gap

    Is there a level playing field in international banking regulations? Our latest briefing paper considers the extent to which post-crisis regulatory reforms have been implemented consistently in different jurisdictions.

    Find out more
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    • Lloyds Bank at Sibos

      Our presence at this year’s conference. Find out more

      Lloyds Bank at Sibos

      Once again we are delighted to be participating in Sibos and look forward to seeing you in Toronto.

      We have achieved a number of significant milestones since Sibos in Geneva last year including our return to full private ownership.

      A new selection of thought leadership materials are now available in our 'Insights' menu covering key issues such as Brexit, the future of correspondent banking, PSD II and Ringfencing. We hope you find them useful.

      Our team of experts will of course be on hand at Sibos on stand number D12. We look forward to seeing you and talking through how we can support you and your clients.



    • Delegate profiles

      Our experts at Sibos. Find out more

      Lloyds Bank delegates

      Samuel Amoako
      Otto Benz
      Mark Brotherton
      Pat Curran
      Loukas Dasargiris
      Robert Ellison
      Steve Everett
      Alexis Formosa
      Russell Haward
      Clive Higglesden
      Louise Hueting
      Nahed Kamel
      Gemma Keenan
      Cate Kemp
      Gary King
      Christian Kramer
      Samir Lalvani
      Sofia Larsen
      Nathan Martin
      Oonagh McGrane
      Gavin McLean
      Stef Merckx
      Adam Raw
      John Salter
      Ritu Sehgal
      Paul Shaw
      Chris Spedding
      Cameron Spiers
      Matthew Tait
      Edward Thurman
      Christopher White
      Tom Wicka
      Michael Zentz

      Elizabeth Adams
      Job title

      Business area / division
      Business area / division

      Area of expertise / specialism
      Area of expertise / specialism

      Biography
      Biography

      x

      Samuel Amoako
      Director

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Transactional banking, Risk & Relationship Management

      Biography
      Samuel has responsibility for managing the cash management and payments sales and business development with banks across Europe, Middle East, Southern Europe, Americas and Turkey.

      Since joining Lloyds Bank in 2007 from RBS, Samuel has undertaken a variety of roles including Trade Finance (Origination & Risk Distribution), Business Management, Client Development & Planning, and Financial Institutions Coverage.

      Samuel obtained his Undergraduate Degree at the University of East Anglia, he holds a Post Grad Diploma in Finance from the London School of Economics, and is an MBA student of Warwick Business School.

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      Otto Benz

      Payments Technical Services Director

      Business area / division
      Global Payments, Group Services

      Area of expertise / specialism
      Payments Strategy Forum and its New Payments Architecture
      Payments mechanisms, clearing and settlement (UK)

      Current role and responsibilities
      As Payments Technical Services Director, Otto plays a leading role in defining the strategic payments direction for Lloyds Banking Group, building strong relationships with the Group's Commercial and Retail Divisions as well as influencing across the UK's payments industry. The role is varied and covers elements including ring-fencing, PSD2, open banking, resilience and cyber security for Global Payments.

      Previously Otto held the role of Strategic Payments Director at Virgin Money for 4 years and looked after all payments operations across the bank.

      Otto is a graduate of Queens’ College Cambridge, where he studied Engineering.

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      Mark Brotherton
      Chief Operating Officer

      Business area / division
      Fraud & Financial Crime, Commercial Banking

      Area of expertise / specialism
      Driving change, risk and control

      Biography
      Mark is the Director, Fraud & Financial Crime for the c£5 bn Commercial Banking Division which includes LMLRO responsibility. He leads a team of specialists across Fraud, Financial Crime, Sanctions and Anti-Bribery and is also responsible for a number of large related Change Programmes. He has been the Group’s Accountable Executive for the SWIFT KYC Registry for the past two years.

      Mark was formerly the COO for financial institutions (FI) at Lloyds Bank. As a member of the FI Executive Committee reporting directly to the Managing Director, Mark had a diverse range of accountabilities across the following disciplines; client service, risk, change, cost management, HR and data.

      He also had Executive Management responsibility for the FI business in Asia and Europe.

      Previously he was COO for the Group’s North American business based in New York and also spent time supporting the Group Finance Director during the financial crisis. Before this, Mark spent fifteen years as a Relationship Director leading to the role of Area Director, Commercial, in the UK.

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      Pat Curran
      Head of Client Delivery

      Business area / division
      Payments Technical Services, Global Payments, Global Services

      Area of expertise / specialism
      International and UK Domestic payments, Cheque Services, UK, EU and International regulation relating to payments

      Biography
      Pat has worked for Lloyds Banking Group for a number of years and has built a deep understanding of Payments. She has extensive operational and people management experience and has been involved in virtually all of the Banks strategic initiatives to date.

      She currently leads a team supporting FI Sales and Network activities and assists the Commercial Bank on a broad range of issues. She is also covering as Head of Trade Services on an interim basis.

      Pat is also responsible for managing the Payments relationship between Lloyds and TSB Bank and manages any external issues impacting the Financial Stability of LBG, on behalf of Global Payments.

      Pat is an Associate of the Chartered Institute of Bankers (Intl).

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      Loukas Dasargiris
      Senior Director, FI Trade Sales

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Global Transaction Banking, Financial Institutions, Trade Finance, Payments and Cash Management, Emerging Markets and Risk

      Biography
      Loukas is a Senior Banker in Financial Institutions, where he is responsible for the delivery of the suite of Trade products that meet clients’ international and domestic trade needs across Europe and Latin America.

      Loukas joined Lloyds Bank in 2017 and he has over 27 years of banking experience, the vast majority in global transaction banking and international banking.

      He has held senior roles in sales and relationship management, across EMEA and Latin America and he has over 15 years of experience as a leader in building and running multi-regional sales teams and achieving transformational growth within exemplary risk parameters.

      Prior to joining Lloyds Bank, Loukas was Managing Director and Head of Financial Institutions and Corporates CEEMEA, Southern Europe and Latin America at RBS.

      Loukas has an MBA in Finance from Birmingham Business School and a degree in Business Administration.

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      Robert Ellison
      Managing Director & Global Head of Banks

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Financial institutions, capital markets

      Biography
      Robert has global management responsibility for the Banks Coverage team who are based across the UK, the US and Asia.

      Robert has 16 years’ experience advising financial institutions on issues related to capital markets financing, balance sheet management and regulatory capital.

      Robert was most recently at UBS, where he served as co-head of the bank’s financial institutions group ( FIG) debt capital markets business.

      Robert is a graduate in Law from the University of Edinburgh.

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      Steve Everett
      Head of Product and Propositions, Global Transaction Banking

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Transaction Banking

      Biography
      Steve is the Head of Product & Propositions, Global Transaction Banking having joined LBG in October 2014. GTB Product & Proposition’s focus is to meet client needs by developing products, managing them through their lifecycle and shaping them into propositions in Cash Management & Payments, Trade & Supply Chain Finance and Asset & Invoice Finance areas. The target client base ranges from SME's, through Mid-market to Global Corporates and Financial Institutions.

      Prior to joining LBG, Steve spent c15 years with RBS performing senior leadership roles spanning global transactions services ( GTS), financial markets and corporate banking and leading key strategic programmes which have transformed businesses. His final role was Global Head of Cash Management with responsibility for all payment and liquidity products spanning a network of 38 countries.

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      Alexis Formosa
      Associate Relationship Manager

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Relationship management, financial institutions coverage

      Biography
      Alexis is a Relationship Manager in the Financial Institutions team covering Asian, Middle Eastern, UK and European global banks. The role focuses on identifying and originating new opportunities to work with banks across the portfolio, delivering relationship growth and strategy setting.

      Prior to joining the FI Banks team in 2015, Alexis was part of Lloyds Banks’ Graduate Management Scheme, where he held roles in several areas of the bank including Private Banking, Consumer Finance and Risk Operations.

      Alexis holds a BSc Hons degree in Business Management from Cass Business School.

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      Russell Haward
      Markets Operations & Trade Services Director

      Business area / division
      Group Operations

      Area of expertise / specialism
      Cash & Securities, Financial Markets, Cash & Liquidity Management, Change Management

      Biography
      Russell has been with Lloyds Banking Group for over 25 years and spent his career within specialist commercial banking and payments businesses, holding senior positions in Change, IT and Operations.

      Russell is currently Markets Operations & Trade Services Director with responsibility for middle office, back office and client support for Lloyds Bank’s Commercial Lending, Financial and Capital Markets, Trade Finance and Group Corporate Treasury businesses.

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      Clive Higglesden
      Head of Trade and Supply Chain Finance, Product

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Global transaction banking, financial institutions, trade finance, risk

      Biography
      Clive is Head of Trade and Supply Chain Finance, Product and leads the team that drives the development of a suite of trade products that meet client's international and domestic trade needs. He is also responsible for trade asset management within Lloyds Bank.

      Clive has over 30 years banking experience, the vast majority of this has been in global transaction banking and international banking. He has held senior roles across sales, relationship management, risk and product. Prior to joining Lloyds Bank in 2013, Clive was Managing Director and Head of Financial Institutions EMEA, Global Transaction Banking at RBS.

      He has a MBA in Finance from Cass Business School and a degree in Economics.

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      Louise Hueting
      Director, Client Coverage, Financial Institutions

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Payments and cash management solutions for Financial Institutions

      Biography
      Louise has responsibility for running the Banks sales team for cash management and payments. She also covers a portfolio of clients in the Northern Europe.

      Louise is an experienced Global Transaction Banking professional who has worked for over 15 years in the banking industry, primarily focused in the financial institutions cash management space.

      Prior to joining Lloyds Bank in 2015, Louise worked at JP Morgan and Wells Fargo Bank in transaction banking coverage and sales management roles. She holds a BSc from the University of Southampton in Mathematics and Management.

      x

      Nahed Kamel
      Director, FI Trade Finance Sales

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Trade finance and relationship management

      Biography
      Nahed has more than 20 years experience in trade finance sales and relationship management. She is responsible for growing and maintaining the trade finance relationships across EMEA.

      Nahed joined Lloyds Bank in April 2015, from HSBC Bank Middle East. She holds a BA from the American University in Cairo, in Mass Communication.

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      Cate Kemp
      Global Transaction Compliance Director

      Business area / division
      Global Payments, Group Services

      Area of expertise / specialism
      Financial Crime Compliance Technologies and Operations, Payments, Change, Risk, Audit

      Biography
      In her role as Global Transaction Director at Lloyds Bank, Cate established and now heads up the Group’s Compliance Shared Services for Financial Crime investigations and technologies. Cate also established and leads Lloyds Banking Group’s Payments Policy and governance arrangements globally, including development, deployment and monitoring.

      Cate is at ease with taking difficult and often complex regulatory requirements and delivering sustainable solutions, partnering across the Group and industry. Cate’s current professional interests lie in leveraging synergies across fraud and financial crime through process and technology.

      During her 27 year financial services career, Cate also has rounded leadership and practical experience across many other disciplines including Audit, Risk, Customer Service, Insurance, Complaint handling, HR and Payments. Cate is an MBA graduate and qualified banker.

      x

      Gemma Keenan
      Chief Operating Officer, Financial Institutions

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      COO – Markets, financial management and product control

      Biography
      As Chief Operating Officer for Financial Institutions ( FI), Gemma has a diverse range of responsibilities across Business Development, Client Services, Finance, Risk, Conduct Management, Change Management and People. Gemma is also the Accountable Executive for the Financial Institutions Asian and European businesses.

      Gemma has over 15 years’ experience in Financial Services and has held a number of senior roles in Finance, Product Control and Sales & Trading Business Management across Equities and Fixed Income.

      Gemma joined Lloyds Bank in 2013 within Financial Markets from Bank of America Merrill Lynch where she was COO for Equities Emerging Markets CEEMEA. She holds a Masters degree from Cambridge University and is a qualified Chartered Global Management Accountant ( CIMA).

      x

      Cate Kemp
      Global Transaction Compliance Director

      Business area / division
      Global Payments, Group Services

      Area of expertise / specialism
      Financial Crime Compliance Technologies and Operations, Payments, Change, Risk, Audit

      Biography
      In her role as Global Transaction Director at Lloyds Bank, Cate established and now heads up the Group’s Compliance Shared Services for Financial Crime investigations and technologies. Cate also established and leads Lloyds Banking Group’s Payments Policy and governance arrangements globally, including development, deployment and monitoring.

      Cate is at ease with taking difficult and often complex regulatory requirements and delivering sustainable solutions, partnering across the Group and industry. Cate’s current professional interests lie in leveraging synergies across fraud and financial crime through process and technology.

      During her 27 year financial services career, Cate also has rounded leadership and practical experience across many other disciplines including Audit, Risk, Customer Service, Insurance, Complaint handling, HR and Payments. Cate is an MBA graduate and qualified banker.

      x

      Gary King
      Head of Architecture – Payments & Financial Crime Prevention

      Business area / division
      Architecture, Methodology & Innovation, Group IT

      Area of expertise / specialism
      International and domestic payments, financial crime detection and prevention, service resilience.

      Biography
      Gary is responsible to both the Group CTO and the Global Payments MD for the alignment of the technology solutions within the payments and financial crime prevention domains to the Group’s business and technology strategies.

      Gary’s team supports the identification and development of technology solutions that realise the business’ strategic priorities through execution of the Group’s technology strategy. Recent initiatives include the development of Open Banking within the UK including PSD2, the specification of the UK’s New Payments Architecture and the modernisation of the Group’s technology building blocks.

      x

      Christian Kramer
      Product Owner, Payments PISP & Regulatory Engagement, PSD2 Open Banking

      Business area / division
      Global Payments, Global Services

      Area of expertise / specialism
      UK and International Payments Regulation, Payment Service Director 2, Open Banking

      Biography
      Christian is a payments regulation expert at Lloyds Banking Group currently responsible for Payments and Regulatory Engagement within the PSD2 Open Banking programme. Previously, he has lead the team within Global Payments that is responsible for engaging with external stakeholders including regulators covering all things ‘payments’ as well horizon scanning and leading on new regulations and trends. He is a member of a number of industry working groups covering Open Banking and sits on the board of FPS as Alternate Director.

      In previous roles, Christian headed up the banking teams within LBG’s High-Net-Worth Private Banking division as well as working in the International Private Banking. He was based in Jersey, the Isle of Man and Los Angeles for a number of years with responsibility for North America for the Lloyds TSB Offshore business.

      x

      Samir Lalvani
      Managing Director & Head of Financial Institutions, North America President, Lloyds Securities Inc.

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Financial Institutions, Capital Markets

      Biography
      Samir has regional management responsibility for the Financial Institutions Coverage team in the U.S. Samir first joined the Lloyds Banking Group in 2009 as Managing Director, Head of Capital Markets, North America, with responsibility for building a Markets’ business in North America.

      Prior to re-joining Lloyds Banking Group in 2016, Samir worked at ANZ Bank for one year as Head of Coverage & Deputy CEO, North America and prior to joining Lloyds Banking Group in 2009 spent ten years at Citigroup in the Structured Solutions team. Samir spent eight years in the Branded Consumer Industry prior to his career in Banking.

      Samir graduated in Economics from Brown University and completed his MBA in Finance at NYU’s Stern School of Business.

      x

      Sofia Larsen
      Director, Banks, Financial Institutions

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Financial Institutions, Northern European Banks Coverage, Cross Product Solutions, Regulation

      Biography
      Sofia Larsen is a Relationship Director in the Northern European Banks team and has responsibility for some of Lloyds Bank’s largest banking relationships in the UK, Nordics & France. Prior to joining Lloyds Bank in 2010, Sofia spent 10 years covering the financial institutions sector in Northern Europe focusing on investment banking at a number of banks including HSBC and more recently NAB.

      In addition to coverage roles, Sofia also spent some time in M&A at Commerzbank as well as having been responsible for European capital markets data at SNL Financial in London.

      Originally from Sweden, Sofia has an MA (Hons) Degree in Economic Science from University of Aberdeen and has lived in the UK for 20 years. She has over 16 years’ experience in banking.

      x

      Nathan Martin
      Director, Transaction Banking

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      UK/ European clearing, international payments, FI coverage, FinTech discovery and collaboration

      Biography
      As a digital focused Corporate Banker, Nathan brings a wealth of experience to GTB. With his passion for disruption and payment evolution, he brings innovative insight to the rapidly changing Correspondent banking market.

      He’s major focus is on Financial Institutions sales globally and with 14 years banking experience has covered a number of sectors, including FIs, Global Corporates, Mid Markets and Retail Banking.

      Nathan holds a Bachelor of Business degree from the University of Technology, Sydney.

      x

      Oonagh McGrane
      Director, FI Propositions

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      International Transaction Banking, Operations, Financial Institutions

      Biography
      Oonagh is responsible for the development of the Global Transaction Banking proposition we offer to FI Clients as well as ensuring we have the coverage we need to service the international Global Transaction Banking needs of Lloyds Bank Customers, setting the GTB network strategy, identifying partners, future roadmap & managing our Network.

      Oonagh is a Global Transaction Banking professional with over 20 years’ experience in the field of International Cash Management & Payments. Prior to joining Lloyds Bank in December 2015, she worked for Citibank, ABN AMRO and RBS covering a variety of roles in Operations, Client Service, Product and Relationship Management.

      Oonagh holds a B.A. (Hons) Degree in Applied Languages from Dublin City University.

      x

      Gavin McLean
      Head of Cash Management & Payments

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Payments, Corporate cash management

      Biography
      Gavin is the Head of Cash Management & Payments within Global Transaction Banking. Gavin leads a large team which is at the heart of planning, developing, marketing and delivering a 1st class Transactional Banking Product Suite that meets the needs of our client base, both domestically and internationally.

      Gavin has spent his entire career working in the payments and corporate cash management business. His previous roles include managing teams in customer fulfilment, customer support, operations and product management. Gavin has a strong track record of leading teams to achieve business objectives and enjoys working with people and products that help customers work better.

      x

      Stef Merckx
      Managing Director, Northern Europe

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Client coverage banks, capital markets, financial markets and transaction banking

      Biography
      Stef is the Senior Banker in Financial Institutions, where he is responsible for the Global Banks Relationship Management team in Northern Europe. Stef covers the Bank clients in The Netherlands, Belgium, Germany and Switzerland with a focus on providing liquidity, transaction banking, funding and risk management solutions to Banking clients.

      Prior to joining Lloyds Bank, Stef worked at RBS and ABN AMRO in a number of client coverage roles as well as leading teams. During his career spanning well over 20 years, Stef has been working with both Financial Institutions and Public Sector entities a.o. in The Netherlands, the US, and most recently in the CEEMA Emerging Markets.

      x

      Adam Raw
      Head of Financial Institutions Propositions

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Transaction banking, financial institutions & risk

      Biography
      Adam joined the Global Transaction Banking team in May 2015 to develop our go-to market approach for institutional and non-bank financial institutions clients. His focus is on building offers that meet the core transaction banking, trade and fixed assets needs of these segments.

      Prior to joining Global Transaction Banking, Adam spent six years working in both the Global Corporate and Financial Institutions coverage teams. Most recently he supported the MD, Financial Institutions as his Executive Assistant.

      Adam joined Lloyds Bank in 2007, after completing a BSc in Economics and French, from the University of Birmingham.

      x

      John Salter
      Managing Director Global Corporate and Financial Institutions

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Sales Strategy, Product Management and Business Management & Strategy

      Biography
      John is currently Managing Director for the Mid Market, Global Corporate and Financial Institution client sectors, where he is responsible for client revenues across all Global Transaction Banking products for these key segments.

      John runs a client coverage and origination team of over 120 FTE located in the UK and Europe generating income of c. £912 m, liabilities of £51Bn and £14Bn of assets.

      As a member of the GTB Executive Committee, John is part of the leadership team committed to establishing Lloyds Bank as the leading UK provider of transactional banking services.

      John has over 20 years’ experience as a leader of specialist teams and over 16 year’s international experience, building and running regional sales teams and working across all business segments.

      As a former Head of Product for Cash and Trade, John has deep product knowledge, combined with strong Change Management skill. He has overseen strong growth in his business, using his knowledge to shape and prioritise investment decisions and his strong people management skills to build team to monetise new products.

      x

      Ritu Sehgal
      Director, Financial Institutions

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Banks Coverage - Asian, UK and Middle East Banks

      Biography
      Ritu is part of the Global Banks team with responsibility for leading relationships with Asian, UK and Middle Eastern Banks. The role focuses on originating opportunities to work with complex client set of banks across products and diverse jurisdictions.

      Ritu has over 15 years’ experience within the Corporate and Financial Institution sectors. Prior to joining Lloyds Bank in 2011, Ritu held senior roles in various investment and corporate banking functions with RBS/ABN Amro and BNP Paribas in Europe and Asia.

      x

      Paul Shaw
      Network Manager

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Payments and Cash Management

      Biography
      Paul is an experienced Global Transaction Banking professional with over 13 years’ experience. He is currently responsible for managing the group's outward correspondent bank network covering International Payments, Trade Finance, and International Cash Management.

      Prior to working in Global Transaction Banking, Paul worked in a variety of roles within the Global Banks Team at Lloyds Bank, eventually working as Relationship Manager covering relationships in Asia.

      Paul was awarded an AMCT Diploma in Treasury from the Association of Corporate Treasurers ( ACT) as well as holding a BA Hons degree in History and Politics from the University of Manchester.

      x

      Chris Spedding
      Managing Director, Head of Global Transaction Banking, North America and Asia

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      International Banking, Transaction Banking

      Biography
      Chris is responsible for leading the execution of our Transaction Banking strategy internationally through managing US/Singapore-based sales teams.

      With over 17 years of experience in the corporate client management and transaction banking fields, Chris heads Lloyds’ Transaction Banking Sales teams in Singapore and the USA.

      Chris has held a number of roles in the Commercial Banking division of Lloyds, including chief of staff to the CEO, Commercial Banking and prior to his current role Chris led the Bank’s approach for optimizing the Group’s business model in preparation for the implementation of the UK’s Ring Fencing regulations.

      Chris joined Lloyds in 1999 and has a Joint B.A. (Hons) in Modern Languages from the University of Nottingham, England.

      x

      Cameron Spiers
      Network Manager

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Payments and Cash Management

      Biography
      Cameron is an experienced Network Manager and international payments expert with over 16 years of experience in various roles in International Banking. He is currently responsible for managing the group's outward correspondent bank network covering International Payments, Trade Finance, and International Cash Management.

      Cameron joined Lloyds Bank in 2015. Prior to working in Global Transaction Banking he worked as a Network Manager for another large financial institution. He has run large operational teams looking after FI and Commercial banking clients and worked in various roles in payment investigations and Sterling and Euro cash flow liquidity management.

      x

      Matthew Tait
      Relationship Director, Irish, LatAm, Southern Europe and Turkish Bank Coverage

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      FI Coverage, Transaction Banking, Capital Markets, Financial Markets

      Biography
      Matthew is responsible for the origination of business with Bank Relationships across Lloyds Bank products, including Global Transaction Banking, Capital Markets and Financial Markets.

      He currently heads up the coverage of Irish, LatAm, Southern European and Turkish Banks, having previously covered banks in Africa, America, Asia and Australia.

      Prior to joining the Global Banks Team in April 2011, Matthew has undertaken a variety of roles including Global Corporate coverage, Property Finance and Treasury roles at Anglo Irish Bank, along with economic advisory at HMRC.

      Matthew is a CFA Charterholder, IMC qualified and holds an Economics degree from Brunel University. He sits on the CFA UK Ambassador Board and mentors 15 Ambassadors at Banks, Asset Managers and Insurance Companies in the City of London.

      x

      Edward Thurman
      Managing Director and Head of Financial Institutions
      Group Ambassador for London

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Financial Institutions

      Biography
      Ed joined Lloyds Banking Group in August 2008 as a Director in Group Corporate Development. He was responsible for the development and formulation of the Group’s corporate strategy and was a member of the team that led the Group Strategic Review. Prior to joining Lloyds, he held senior strategy roles at Bear Stearns and ABN AMRO and before this spent five years with McKinsey & Company, consulting across the industry but with an emphasis on Wholesale Banking clients.

      After completing a degree in Economics, Ed began his career at the Bank of England before moving to the Financial Services Authority at its formation in 1998. He left for McKinsey the following year.

      Ed has been Managing Director, Financial Institutions since October 2012. The Financial Institutions client unit was created at the inception of the Commercial Banking business to create deeper institutional focus on this segment, and to best harness emerging industry trends to our benefit.

      In addition to his management responsibilities of the Financial Institutions business, Ed is also responsible for strategy development in Commercial Banking and is the accountable executive for leading the next Group Strategic Review for the division.

      Ed is also closely involved in the development of the Group’s response to the industry’s emerging regulatory landscape and is the Group’s Regional Ambassador for London.

      x

      Christopher White
      Managing Director - Banks

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Relationship management, cash and payment, trade, balance sheet management, risk management, bank regulatory capital, funding, debt capital markets ( DCM).

      Biography
      Christopher is a Managing Director and joined the Banks team within Financial Institutions in July 2015. Christopher is responsible for the coverage of Banks and Building Societies in the UK, Australia, New Zealand, South Africa and Africa.

      Christopher joined Lloyds Bank in August 2008 and was one of the first brought in to service Lloyds Bank as an issuer and build out the FI DCM business. He joined the bank from Citi, where he covered UK and Irish banks for four years in FI DCM and prior to that worked in Mergers and Acquisitions at Serco.

      Christopher has significant experience in the structuring and execution of regulatory capital and funding for banks across jurisdictions. He helped build the Lloyds Bank DCM franchise through his coverage of UK, Australian, US, Canadian and South African banks.

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      Tom Wicka
      Managing Director, North American Banks Coverage

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Client Banks Coverage, Relationship Management, Capital Markets, Financial Markets and Transaction Banking

      Biography
      Tom leads a team responsible for covering the North American Bank clients with a focus on providing liquidity, transaction banking, funding and risk management solutions.

      Tom is recognised as an expert in his sector and has strong product knowledge and technical skills across Capital Markets, Financial Markets and Transaction Banking. Tom has a strong track record of originating and delivering client centric solutions and has an extensive network of contacts across his client relationships.

      Tom joined Lloyds Bank’s graduate management scheme 17 years ago. Prior to joining FI in 2007, Tom specialised in product and marketing roles in Retail, Corporate and FI, managing and growing the profitability of a number of product lines.

      Tom is a graduate of The University of Reading and and has a postgraduate degree from the Chartered Institute of Marketing ( CIM). Tom is a member of the Association of Corporate Treasurers ( ACT).

      x

      Michael Zentz
      Director, Banks Coverage

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      North American Bank Coverage

      Biography
      Mike has 15 years of relevant experience in capital markets, securities and bank coverage. He has served in roles in structured finance, FIG capital markets and FI coverage, spending his whole career covering banks and non-bank financial institutions.

      Prior to Lloyds Bank, Mike worked at UBS Investment Bank, CRT Capital Group and Fitch Ratings. He has an MBA from Yale School of Management and an undergraduate degree from Bowdoin College.

      x
    • Insight

      Our experts share their views. Find out more

      Insights

      Lloyds Bank is committed to delivering topical thought-leadership that explores the issues that matter most to you, from the impact of change in the regulatory environment to the trends that could shape the financial institutions of the future.

      Banking reform: what is still to come?

      With a large number of banking regulatory reforms still in the pipeline, our regulatory insight briefing outlines the changes we could soon expect to see.

      Find out more

      The future of the UK and Europe

      Our client briefing document offers factual information on the mechanical and technical aspects of leaving the EU and helps business planning.

      Find out more

      Financial Institutions Sentiment Survey 2017

      Our second annual Financial Institutions Sentiment Survey shows an industry balancing cautious optimism with the need to respond to a uniquely challenging environment.

      Find out more

      Finding a strategy amidst PSD2 uncertainty

      In Europe the deadline for PSD2 compliance is fast approaching and whilst many financial institutions (FI’s) are working towards the target date of 13th January 2018, uncertainty continues around the exact requirements for the implementation of the Regulatory Technical Standards (RTS) including Access to Accounts (XS2A).

      Find out more

      The changing landscape of the UK Domestic Payments Market

      A combination of regulatory change, technological advancement and shifting social dynamics has informed the evolution in the UK payments landscape that we are seeing today.

      Find out more

      Correspondent Banking is dead, long live Correspondent Banking

      Correspondent Banking is no doubt in the midst of unprecedented change – unprecedented as we have never experience this level of change in one period of time.

      Find out more

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We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk. Lloyds Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes’ eligibility criteria not all Lloyds Bank business customers will be covered by these schemes.)