• Lloyds Bank at Sibos

    To support our presence at this year’s Sibos conference, we have put together a selection of insights from our specialists on topics ranging from PSD2 and KYC Compliance, to the global implementation of immediate payments, and how financial institutions can support trade in a post-EU Referendum environment. We hope you find them interesting and thought-provoking.

    Our experts also took part in a range of conference sessions. You can find details of our speakers and our team of delegates who attended the conference within this website.



    Our speaker profiles and conference session overviews

    Andrew Bester
    Steve Everett
    Cate Kemp

    Andrew Bester
    Group Director and CEO Commercial Banking, Lloyds Banking Group

    Session overview

    Diversity and inclusion – the leaders’ perspective
    Tuesday 27 September

    15:30 - 16:30 Conference Room 2

    Andrew Bester, Group Director and CEO Commercial Banking, joins this panel session about the importance for men to be engaged in the gender diversity discussion. In this session, a panel of leaders from within and outside of the financial industry will debate what they do to promote diversity and inclusion throughout their own organisation, individually and collectively. What are their successes and challenges and do they experience the benefits of having diverse teams?

    Speaker profile

    Business area / division
    Commercial Banking, Lloyds Banking Group

    Biography
    Andrew is currently Group Director and CEO of Commercial Banking at Lloyds Banking Group. Prior to this, Andrew held a variety of executive roles at Standard Chartered Bank including Global COO and CFO Consumer Banking. Previously, Andrew worked at Xchanging Plc and Deutsche Bank. Andrew is the Chairman of Lloyds Development Capital (LDC) and sits on the Board of the Global Financial Markets Association.

    He is an Advisory Board Member of the University of Cambridge Programme for Sustainability Leadership and a member of The Prince of Wales’s UK Corporate Leaders’ Group. Andrew is also the Executive Sponsor for Inclusion & Diversity.

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    Steve Everett
    Head of Product and Propositions, Global Transaction Banking

    Session overview

    Where is the real-time payments business case?
    Thursday 29 September

    10:15 - 11:15 Workshop B

    Steve Everett, Head of Product and Propositions, Global Transaction Banking, will participate in an open workshop exploring the increasing pressure placed on the banking community to push towards 24/7 instant payments. But the investment to adapt IT applications and infrastructures is substantial. So, the question remains the same - how will these costs be recovered? What is the business case to ‘go instant’? Join this session to hear a cross-section of views from banks and market infrastructures who have had success and encountered pitfalls on this path towards instant payments.

    Speaker profile

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    Transaction banking

    Biography
    Steve is the Head of Product and Propositions, Global Transaction Banking (GTB) having joined Lloyds Banking Group (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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    Cate Kemp
    Global Transaction Compliance Director

    Session overview

    Fraud and anti-money laundering compliance – time for a joined-up approach?
    Wednesday 28 September

    14:00 - 15:00 Conference Room 1

    Cate Kemp, Global Transaction Compliance Director joins this panel session to discuss the ever-increasing pressure faced by financial institutions with regards to implementing and demonstrating robust anti-fraud and anti-money laundering (AML) controls and procedures. This ranges from end-point and session monitoring, to payment pattern controls, as well as analytics and intelligence. Many institutions currently separate their anti-fraud and AML units, even though the objectives of both disciplines are very similar – staying on the right side of the law while preventing financial losses and reputational damage from criminal activity. Should anti-fraud and AML divisions consider a more unified approach, since they already use similar data and tools and face the same need to succeed in the face of rising costs and regulatory focus? Are there opportunities for synergy? What barriers exist, if any, to a more joined-up approach?

    Speaker profile

    Business area / division
    Global Payments, Group Operations

    Area of expertise / specialism
    Audit, risk, change and large compliance operations

    Biography
    Cate established and leads Lloyds Bank Payments Policy and governance arrangements globally, including development, deployment and monitoring.

    In this role as Global Transaction Compliance Director, Cate also heads up the c.1500 strong team who provide AML, CDD, FATCA and Sanctions Shared Services to Lloyds Banking Group.

    Cate is a qualified banker and MBA graduate with 25 years experience in banking.

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    Lloyds Bank delegates

    Ed Aldorino
    Samuel Amoako
    Mark Brotherton
    Katherine Charters
    Eric Clapton

    Ed Aldorino
    Financial Institutions Trade Finance Sales

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    Origination, structuring and distribution of trade finance assets

    Biography
    Ed works in Trade Finance Sales Asia. He re-located to Hong Kong in April 2014 to take responsibility for Lloyds Bank Asia Trade Sales and Distribution activities. Ed works with Letters of Credit, Guarantees, Bank to Bank finance, Risk Purchase and Distribution. His primary focus is on building strong trade finance relationships with partner banks, enabling our partners to leverage the Group’s market position in the UK.

    Ed is a Trade Finance Sales Professional with ten plus years’ experience across all geographical regions. He joined Lloyds Bank in August 2013 to cover the European financial institutions Portfolio. Ed is experienced in Trade Sales origination, structuring, distribution, middle-office and back office positions.

    Ed is a Certified Documentary Credit Specialist.

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    Samuel Amoako
    Associate Director

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Trade finance, transactional banking, risk & relationship management

    Biography
    Samuel is lead relationship manager for banks in the Middle East, Turkey and Africa. His responsibilities span strategy setting, management of risk appetite, prospecting, to delivery of relationship growth.

    Since joining Lloyds Bank in 2007, Samuel has undertaken a variety of roles including Trade Finance (Origination & Risk Distribution), Business Management and Client Development & Planning before joining Financial Institutions (FI) Coverage in March 2012. In FI Samuel has covered UK NBFI’s and banks in Germany, Luxembourg, Switzerland, CEE and North America prior to his current portfolio.

    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 Executive MBA student of Warwick Business School.

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    Mark Brotherton
    Chief Operating Officer

    Business area / division
    Financial Institutions

    Area of expertise / specialism
    Driving change, risk and control

    Biography
    Mark is the Chief Operating Officer for Financial Institutions (FI) at Lloyds Bank. As a member of the FI Executive Committee reporting directly to the Managing Director, Mark has a diverse range of accountabilities across the following disciplines; client service, risk (compliance, operational, conduct, financial crime), change, cost management, HR and data. He also has Executive Management responsibility for the FI business in Asia and Europe and is the Group’s Accountable Executive for the SWIFT KYC Registry.

    Mark has extensive experience within banking and has led a large re-engineering programme for the Group’s Chief Risk Officer. 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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    Eric Clapton
    Head of Retail Financial Crime Prevention Programme

    Business area / division
    Retail Business Banking / Retail

    Area of expertise / specialism
    Change & project management, anti money laundering (AML) operations and remediation projects

    Biography
    Eric leads the change programme delivering enhanced AML controls across the small business and personal customer division, including development of innovative automated customer monitoring solutions.

    Eric has 18 years of project and change management experience across UK Retail and SME banking.

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    Katherine Charters
    Director, Client Coverage, Financial Institutions

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Payment and cash management solutions

    Biography
    Kath has responsibility for payment and cash management solutions for Financial Institutions in Southern Europe and the Americas.

    Kath has over 15 years of banking experience, and has spent the last 12 years working with Financial Institutions. Before joining Lloyds Bank, Kath worked at BMO Capital Markets in the Banks Coverage team.

    Kath graduated from the University of Wales, Swansea with a BA Joint Hons in English Literature and American Literature, History and Politics.

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    Mark Curran
    Pat Curran
    Peter Dehaan
    Graeme J Donald
    Robert Ellison

    Mark Curran
    Payments Technical Services Director, Global Payments

    Business area / division
    Global Payments, Group Operations, Lloyds Banking Group

    Area of expertise / specialism
    Payments - International and UK domestic, including transactional banking, settlement and payment liquidity
    Payments regulation, including UK payment systems regulator and payments compliance
    Payment strategy & change, including UK current account switching service and UK future clearing model

    Biography
    Mark is currently Payments Technical Services Director for Lloyds Banking Group. His career spans 28 years in Product, Payment and Client facing roles within RBS, Bank of Scotland and Lloyds Bank.

    Mark has built core knowledge across the payments landscape and plays a leading role in defining the strategic payments direction for the Group. Marks current role is diverse with responsibilities spanning Risk, Regulation, Resilience, IT, Operations and a wider industry lens.

    Mark chaired the UK Industry wide programme to deliver a UK wide Customer Switching Service across 17 financial institutions and 37 banking brands culminating in the successful launch in September 2013. Mark is currently Chair of the UK wide Future Cheque Programme to digitise cheques in the UK by 2016 and is a Director of the UK Faster Payments Scheme Board.

    Mark is a Fellow of the Chartered Institute of Bankers (Scotland) and is involved in the School for Social Entrepreneurs.

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    Pat Curran
    Head of Client Delivery

    Business area / division
    Payments technical services, global payments

    Area of expertise / specialism
    International and UK domestic payments and cheque services and UK, EU and International regulation relating to payments

    Biography
    Pat is responsible for managing the Payments relationship between Lloyds Bank and its Service Provision Clients; TSB Bank and Sainsburys Bank and for managing any external issues impacting the Financial Stability of LBG, on behalf of Global Payments.

    Pat’s team supports both Sales and Network activities for payment services and provides support to the Commercial Bank on a broad range of issues.

    Pat has worked for Lloyds Bank for a number of years and has held responsibilities in a variety of key operational functions through which she has built a deep understanding of Payments. She has extensive operational and people management experience.

    Her financial stability role has required her to play a key role in the management of a number of crisis situations.

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    Peter Dehaan
    Liquidity Sales Director, Financial Institutions

    Business area / division
    Financial Institutions, Global Transaction Banking

    Area of expertise / specialism
    Transaction banking liquidity solutions

    Biography
    Peter joined Lloyds Bank in June 2013 and holds the role as Financial Institutions Liquidity Sales Director, where he is responsible for optimising and growing the Global Transaction Banking balance sheet across all Lloyds’s Bank FI sectors. These include clients from Banks, Non-Banks financial institutions, Financial Sponsors, Insurance, Institutional Investors and Pension, Wealth & Stockbrokers.

    He led the program for GTB within the Commercial Back for Notice Products. These products have been crucial to meet internal and external Balance Sheet metrics and ratios.

    Peter has over 20 years’ experience in the financial sector and prior to joining Lloyds Bank, worked for Citibank, Bankers Trust and MW Marshalls covering various roles in Cash management, Sales, Product, Trading and Relationship management.

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    Graeme J Donald
    Head of Industry Development

    Business area / division
    Global Payments, Group Operations

    Area of expertise / specialism
    Payments, settlement, current account switch service and payment systems regulator

    Biography
    Graeme is responsible for leading all external engagement in the payments industry on behalf of Lloyds Bank with industry bodies, Bank of England and regulators. He is a Director of CHAPS Co, Bacs and Cheque & Credit Clearing Company.

    Graeme is an experienced leader with 41 years in banking with RBS, RBS Group, Bank of Scotland, HBOS and Lloyds Bank and has spent the last 23 years in payments. He has extensive subject matter expertise and experience of UK and international payments (electronic and paper), industry strategy, operations, risk, incident management, product management, settlement and liquidity and other technical aspects of the payments business, and this has included leading business units of up to 500 colleagues.

    He was also part of a small team in Lloyds Bank that invented the UK Current Account Switch Service implemented in September 2013 following a £700m cross industry programme.

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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 15 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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    Sean Gilchrist
    Russell Haward
    Clive Higglesden
    Louise Hueting
    Nahed Kamel

    Sean Gilchrist
    Managing Director Commercial Digital, Group Digital, Lloyds Banking Group

    Business area / division
    Group Digital

    Area of expertise / specialism
    Digital

    Biography
    Sean joined Lloyds Bank in January 2014 and in this time has built a Commercial Digital function as part of Group Digital Division and launched a new Commercial Banking online platform.

    Sean's career spans more than 25 years’ in the finance industry and he joins Lloyds Bank from Barclays where he most recently held the position of Managing Director of Digital Banking, UK Retail and Business Banking. He played an instrumental role in the transformation of digital banking with a clear vision focused on innovation and growth, acting as one of the drivers behind Pingit and mobile banking.

    Prior to this, Sean held a number of other roles within Barclays (namely Head of e-Services, Barclays Wealth) and at other financial services companies.

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    Russell Haward
    Markets Operations Director

    Business area / division
    Global Payments, Group Operations

    Area of expertise / specialism
    Financial markets, cash & liquidity management, change management

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

    Russell has been with Lloyds Bank 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
    Director, Client Coverage, Financial Institutions

    Business area / division
    Global Transaction 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 UK, Europe and Turkey.

    Louise is an experienced Global Transaction Banking professional with over 14 years banking experience primarily focused in the Financial Institutions cash management space.

    Prior to joining Lloyds Bank in 2015, Louise worked at JPMorgan and Wells Fargo Bank in transaction banking coverage and sales management roles.

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    Nahed Kamel
    Director, FI Trade Finance Sales

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Trade finance, 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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    Sofia Larsen
    Nathan Martin
    Matthew McAllister
    Gavin Maclean
    Stef Merckx

    Sofia Larsen
    Director, Banks, Financial Institutions

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Financial institutions, northern european banks

    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 over 15 years.

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    Nathan Martin
    Associate Director, Transaction Banking

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    UK domestic and International payments, financial institutions coverage

    Biography
    Nathan is an experienced Global Transaction Banking professional with over 12 years banking experience. His major focus is on bank financial institutions cash sales for clients in Asia, Middle East, UK and Europe.

    Having joined Lloyds Bank from Westpac, Nathan brings a wealth of experience across a multitude of settings including credit, coverage and product. Other specialist skills include payments, KYC/AML, liquidity, SEPA and SWIFT.

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

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    Matthew McAllister
    Director, Investors and Intermediaries

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Financial intermediaries and market infrastructure companies

    Biography
    With more than 10 years working in the Financial Institutions market, Matthew leads Lloyds Bank’s focus on the market infrastructure and financial intermediaries sector covering exchanges, CCPs, settlement and custodian businesses as well as financial broking businesses.

    Matthew and his team provide a range of funding and liquidity solutions, risk management and transaction banking and help coordinate the broader network management relationship across Lloyds Bank.

    Matthew joined Lloyds Bank in 1987 after graduating from Kings College London and has had a varied career within Lloyds Bank across retail, SME and Commercial Banking.

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    Gavin Maclean
    Head of Cash Management & Payments

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    Payments, corporate cash management

    Biography
    Gavin is the Head of Cash Management & Payments within Global Transaction Banking having joined Lloyds Bank in 2013. 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 and has a strong track record of leading teams to achieve their business objectives. His previous roles include managing teams in customer fulfilment, customer support, operations and product management.

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    Stef Merckx
    Managing Director, Northern Europe

    Business area / division
    Financial Institutions

    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
    John Salter
    Russell Saunders
    Ritu Sehgal
    Akhil D. Shah

    Adam Raw
    Head of financial institutions Propositions

    Business area / division
    Global Transaction 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 Corporates and Financial Institutions

    Business area / division
    Global Transaction Banking, Commercial Banking

    Biography
    John has over 15 years’ experience as a leader of specialist teams and over 11 year’s international experience, building and running regional sales teams and working across all business segments.

    He is currently Managing Director for Global Corporate and Financial Institution client sectors, where he is responsible for client revenues across all GTB products for these key segments.

    John runs a global client coverage and origination team of over 70 FTE located in the UK, Europe USA and Singapore generating income of c. £650m, liabilities of £26Bn and £3Bn of assets. As a member of the GTB Executive Committee, he is part of the leadership team committed to establishing Lloyds Bank as the leading UK provider of transactional banking services.

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    Russell Saunders
    Managing Director, Global Payments

    Business area / division
    Group Operations, Global Payments

    Area of expertise / specialism
    Payments strategy, compliance & change

    Biography
    Russell is responsible for Lloyds Bank’s payments strategy, design, technologies and operations supporting Business Unit strategies. A key component is setting and executing the Group’s payment risk and compliance standards for the bank’s business.

    Russell is Accountable Executive for Lloyds Bank pan-industry and Group programmes delivering improvements for the industry and clients, and to meet raised-bar regulatory compliance requirements. With over 30 years’ experience in banking, Russell has operated at senior levels across international jurisdictions and all client groups, specialising in operations, compliance and change management.

    Russell is Non-Executive Director of SWIFT SCRL, Chair of UK Payments Administration and leads the Financial Crime, Security and Data Working Group on behalf of the Payment Strategy Forum.
    He is also a member of the Group Operations Executive Committee reporting to the Group Director of Operations, a member the Group’s Executive Committee.

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    Ritu Sehgal
    Director, Asia (UK), Financial Institutions

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Financial institutions coverage, Asian banks

    Biography
    Ritu is part of the Global Banks team with responsibility for managing relationships with large Asian and UK Banks. The role focuses on originating opportunities to work with banks across diverse geographies.

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

    Ritu holds an MBA with major in Finance and holds a Honours Bachelors of Commerce degree.

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    Akhil D. Shah
    Director, Head of GTB Network Development & Management

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    UK domestic and International payments, cash management, trade strategy & business development

    Biography
    Akhil is responsible for the development of existing and new propositions – encompassing future channel, product and service enhancements whilst ensuring that Lloyds Banking Group is putting the client first. This includes the Transaction Banking needs across the globe for commercial payments and trade, setting the network strategy, partner identification, selection & management. He is also responsible for the management of Lloyds Bank’s “Buy” side partner and correspondent bank network.

    Within the commercial division, Akhil has focused on FI Transaction Banking Product Management, Corporate Bank Strategy & Business Development.

    Akhil has experience covering Banking and Life & General Insurance having worked for Citibank, Pricewaterhouse Coopers, Aviva and for the last 8 years at Lloyds Bank.

    Akhil graduated with BEng (Hons) 1st class, Manufacturing Systems Engineering, University of Warwick and completed a Postgraduate course, ACDMM at the University of Cambridge.

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    Paul Shaw
    Cameron Spiers
    Matthew Tait
    Paul Taylor
    Edward Thurman

    Paul Shaw
    Network Manager

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    Payments and cash management

    Biography
    Paul is an experienced Global Transaction Banking professional with over 12 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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    Cameron Spiers
    Network Manager

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    Payments and cash management

    Biography
    Cameron is an experienced Network Manager and international payments expert with over 15 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 cashflow liquidity management.

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    Matthew Tait
    Relationship Director, Southern Europe and LatAM Bank Coverage

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Financial institutions coverage, transaction banking, capital markets, financial markets

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

    He currently heads up the coverage of Southern European and LatAM 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 also 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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    Paul Taylor
    Managing Director, Financial Institutions

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Financial institutions coverage

    Biography
    Paul is currently Managing Director of Banks within the Financial Institutions team and is responsible for the relationship management of Bank clients across 50 countries across the Americas, Germany, CEE and The Middle East. He was also responsible for the recent Portfolio Rightsizing exercise at Lloyds Bank which focused on significantly reducing the number of counterparties covered by the Financial Institutions team.

    During his career at Lloyds Bank which spans over 30 years, Paul has worked in the New York office and prior to joining Financial institutions he also worked in Corporate Banking and Retail/Mid Markets.

    Paul has an MBA and a Degree in Economics and History.

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    Edward Thurman
    Managing Director, Financial Institutions

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Financial institutions

    Biography
    Ed heads up the Financial Institutions business at Lloyds Bank. He joined the Group in August 2008 as a Director for the Group Corporate Development team, with responsibility for developing corporate strategy for the Group.

    Before joining Lloyds Banking Group, Ed held senior strategy roles at Bear Stearns and ABN AMRO, and spent five years with McKinsey & Company from 1999.

    After graduating with a degree in economics, Ed began his career at the Bank of England, before moving to the Financial Services Authority (FSA) when it was formed in 1998.

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    Adrian Walker
    Tom Wicka
    Christopher White

    Adrian Walker
    Managing Director, Head of Global Transaction Banking

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    Transaction banking

    Biography
    Adrian is the Head of Global Transaction Banking in the Commercial Banking arm of Lloyds Banking Group. Adrian’s business provides working capital solutions to enable clients’ growth via Trade & Supply Chain Finance, Cash Management & Payments, and Fixed Assets & Invoice Finance. Adrian is leading the evolution of the Commercial Bank’s working capital proposition across all of its client teams and is building a business that integrates this offering.

    Adrian is a highly accomplished senior executive with 29 years’ banking experience, spanning retail, corporate and investment banking activities. Adrian joined Lloyds Banking Group in November 2007 as Managing Director, Leveraged Finance with over a decade of M&A experience. In 2011 he was appointed as Chief of Staff for Antonio Horta-Osorio, Lloyds Banking Group CEO, transforming LBG through a broad spectrum of responsibilities and implementing business improvement strategies. In 2012 he led the Business Development and Transformation team within Commercial Banking, before switching to Head of Global Transaction Banking Products in 2014.

    Adrian was appointed to his current role as MD, Head of Global Transaction Banking, in November 2015.

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    Tom Wicka
    Relationship Director

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Relationship management

    Biography
    Tom is currently a Relationship Director within the Global Banks, Financial Institutions team where he has responsibility for managing the North American Banks portfolio by building longstanding and mutually beneficial relationships.

    Tom joined Lloyds Bank’s graduate management scheme 14 years ago, specialising in Marketing.

    Prior to joining FI in 2007, Tom specialised in marketing and product roles in Retail, Corporate and FI, managing and growing the profitability of a number of product lines.

    Tom is a graduate of Reading University and a member of the Association of Corporate Treasurers (ACT).

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    Christopher White
    Head of Australian and South African Bank Coverage

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Relationship management, balance sheet management, bank regulatory capital, funding, debt capital markets (DCM)

    Biography
    Christopher is the Head of Coverage for the Australian and South African banks.

    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 Debt Capital Markets (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 Australian, UK, US, Canadian and South African banks.

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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.


    Get set for immediate payments

    As the 10th anniversary of the UK's Faster Payment Service nears, Mark Curran, Payments Technical Services Director, Lloyds Bank, examines the latest developments in immediate payments – and outlines how financial institutions can prepare for a real-time environment.

    Find out more

    PSD2: an open opportunity

    While the challenges around PSD2 have been much debated, James McMorrow, Head of Payment Strategy, Lloyds Bank, believes it is time for financial institutions to choose their strategic path to compliance – and to embrace the benefits of open banking.

    Find out more

    EU Referendum and British trade

    Adrian Walker, Managing Director, Head of Global Transaction Banking, Lloyds Bank Commercial Banking, believes there are opportunities for financial institutions to work in partnership to support the future of the British trade across the globe.

    Find out more

    EU Referendum: 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.

    Download the report

    Financial Institutions Sentiment Survey

    Our inaugural survey conducted pre EU Referendum convened views from senior leaders across a broad spectrum of financial institutions on challenges and opportunities for their businesses, and the UK financial services sector.

    View the survey results

    How PSD2 and technology will change the European payments landscape

    In this four-part masterclass series, Joy Macknight, Transaction Banking and Technology Editor at The Banker interviews Lloyds Bank experts on the latest changes to the European payments landscape, and what it means for you.

    Find out more

    Access to payment systems: what is the impact of the EU Referendum?

    James McMorrow, Head of Payment Strategy, Lloyds Bank, discusses potential strategies for retaining payment scheme access.

    Find out more

    Streamlining the KYC Compliance process

    In this interview Mark Brotherton, Chief Operating Officer, Financial Institutions, Lloyds Bank Commercial Banking, and Kwaku Osafo, Chief Operating Officer, Banks, Financial Institutions, Lloyds Bank Commercial Banking, discuss how Lloyds Bank is extracting real value from its relationship with The KYC Registry.

    Find out more
    • Lloyds Bank at Sibos

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

      Lloyds Bank at Sibos

      To support our presence at this year’s Sibos conference, we have put together a selection of insights from our specialists on topics ranging from PSD2 and KYC Compliance, to the global implementation of immediate payments, and how financial institutions can support trade in a post-EU Referendum environment. We hope you find them interesting and thought-provoking.

      Our experts also took part in a range of conference sessions. You can find details of our speakers and our team of delegates who attended the conference within this website.



    • Speakers and delegates

      Our experts at Sibos. Find out more

      Our speaker profiles and conference session overview

      Andrew Bester
      Steve Everett
      Cate Kemp

      Lloyds Bank delegates

      Ed Aldorino
      Samuel Amoako
      Mark Brotherton
      Katherine Charters
      Eric Clapton
      Mark Curran
      Pat Curran
      Peter Dehaan
      Graeme J Donald
      Robert Ellison
      Sean Gilchrist
      Russell Haward
      Clive Higglesden
      Louise Hueting
      Nahed Kamel
      Sofia Larsen
      Nathan Martin
      Matthew McAllister
      Gavin Maclean
      Stef Merckx
      Adam Raw
      John Salter
      Russell Saunders
      Ritu Sehgal
      Akhil D. Shah
      Paul Shaw
      Cameron Spiers
      Matthew Tait
      Paul Taylor
      Edward Thurman
      Adrian Walker
      Christopher White
      Tom Wicka

      Ed Aldorino
      Financial Institutions Trade Finance Sales

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      Origination, structuring and distribution of trade finance assets

      Biography
      Ed works in Trade Finance Sales Asia. He re-located to Hong Kong in April 2014 to take responsibility for Lloyds Bank Asia Trade Sales and Distribution activities. Ed works with Letters of Credit, Guarantees, Bank to Bank finance, Risk Purchase and Distribution. His primary focus is on building strong trade finance relationships with partner banks, enabling our partners to leverage the Group’s market position in the UK.

      Ed is a Trade Finance Sales Professional with ten plus years’ experience across all geographical regions. He joined Lloyds Bank in August 2013 to cover the European financial institutions Portfolio. Ed is experienced in Trade Sales origination, structuring, distribution, middle-office and back office positions.

      Ed is a Certified Documentary Credit Specialist.

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      Samuel Amoako
      Associate Director

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Trade finance, transactional banking, risk & relationship management

      Biography
      Samuel is lead relationship manager for banks in the Middle East, Turkey and Africa. His responsibilities span strategy setting, management of risk appetite, prospecting, to delivery of relationship growth.

      Since joining Lloyds Bank in 2007, Samuel has undertaken a variety of roles including Trade Finance (Origination & Risk Distribution), Business Management and Client Development & Planning before joining Financial Institutions (FI) Coverage in March 2012. In FI Samuel has covered UK NBFI’s and banks in Germany, Luxembourg, Switzerland, CEE and North America prior to his current portfolio.

      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 Executive MBA student of Warwick Business School.

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      Andrew Bester
      Group Director and CEO Commercial Banking, Lloyds Banking Group

      Session overview

      Diversity and inclusion – the leaders’ perspective
      Tuesday 27 September

      15:30 - 16:30 Conference Room 2

      Andrew Bester, Group Director and CEO Commercial Banking, joins this panel session about the importance for men to be engaged in the gender diversity discussion. In this session, a panel of leaders from within and outside of the financial industry will debate what they do to promote diversity and inclusion throughout their own organisation, individually and collectively. What are their successes and challenges and do they experience the benefits of having diverse teams?

      Speaker profile

      Business area / division
      Commercial Banking, Lloyds Banking Group

      Biography
      Andrew is currently Group Director and CEO of Commercial Banking at Lloyds Banking Group. Prior to this, Andrew held a variety of executive roles at Standard Chartered Bank including Global COO and CFO Consumer Banking. Previously, Andrew worked at Xchanging Plc and Deutsche Bank. Andrew is the Chairman of Lloyds Development Capital (LDC) and sits on the Board of the Global Financial Markets Association.

      He is an Advisory Board Member of the University of Cambridge Programme for Sustainability Leadership and a member of The Prince of Wales’s UK Corporate Leaders’ Group. Andrew is also the Executive Sponsor for Inclusion & Diversity.

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      Mark Brotherton
      Chief Operating Officer

      Business area / division
      Financial Institutions

      Area of expertise / specialism
      Driving change, risk and control

      Biography
      Mark is the Chief Operating Officer for Financial Institutions (FI) at Lloyds Bank. As a member of the FI Executive Committee reporting directly to the Managing Director, Mark has a diverse range of accountabilities across the following disciplines; client service, risk (compliance, operational, conduct, financial crime), change, cost management, HR and data. He also has Executive Management responsibility for the FI business in Asia and Europe and is the Group’s Accountable Executive for the SWIFT KYC Registry.

      Mark has extensive experience within banking and has led a large re-engineering programme for the Group’s Chief Risk Officer. 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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      Eric Clapton
      Head of Retail Financial Crime Prevention Programme

      Business area / division
      Retail Business Banking / Retail

      Area of expertise / specialism
      Change & project management, anti money laundering (AML) operations and remediation projects

      Biography
      Eric leads the change programme delivering enhanced AML controls across the small business and personal customer division, including development of innovative automated customer monitoring solutions.

      Eric has 18 years of project and change management experience across UK Retail and SME banking.

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      Katherine Charters
      Director, Client Coverage, Financial Institutions

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Payment and cash management solutions

      Biography
      Kath has responsibility for payment and cash management solutions for Financial Institutions in Southern Europe and the Americas.

      Kath has over 15 years of banking experience, and has spent the last 12 years working with Financial Institutions. Before joining Lloyds Bank, Kath worked at BMO Capital Markets in the Banks Coverage team.

      Kath graduated from the University of Wales, Swansea with a BA Joint Hons in English Literature and American Literature, History and Politics.

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      Mark Curran
      Payments Technical Services Director, Global Payments

      Business area / division
      Global Payments, Group Operations, Lloyds Banking Group

      Area of expertise / specialism
      Payments - International and UK domestic, including transactional banking, settlement and payment liquidity
      Payments regulation, including UK payment systems regulator and payments compliance
      Payment strategy & change, including UK current account switching service and UK future clearing model

      Biography
      Mark is currently Payments Technical Services Director for Lloyds Banking Group. His career spans 28 years in Product, Payment and Client facing roles within RBS, Bank of Scotland and Lloyds Bank.

      Mark has built core knowledge across the payments landscape and plays a leading role in defining the strategic payments direction for the Group. Marks current role is diverse with responsibilities spanning Risk, Regulation, Resilience, IT, Operations and a wider industry lens.

      Mark chaired the UK Industry wide programme to deliver a UK wide Customer Switching Service across 17 financial institutions and 37 banking brands culminating in the successful launch in September 2013. Mark is currently Chair of the UK wide Future Cheque Programme to digitise cheques in the UK by 2016 and is a Director of the UK Faster Payments Scheme Board.

      Mark is a Fellow of the Chartered Institute of Bankers (Scotland) and is involved in the School for Social Entrepreneurs.

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      Pat Curran
      Head of Client Delivery

      Business area / division
      Payments technical services, global payments

      Area of expertise / specialism
      International and UK domestic payments and cheque services and UK, EU and International regulation relating to payments

      Biography
      Pat is responsible for managing the Payments relationship between Lloyds Bank and its Service Provision Clients; TSB Bank and Sainsburys Bank and for managing any external issues impacting the Financial Stability of LBG, on behalf of Global Payments.

      Pat’s team supports both Sales and Network activities for payment services and provides support to the Commercial Bank on a broad range of issues.

      Pat has worked for Lloyds Bank for a number of years and has held responsibilities in a variety of key operational functions through which she has built a deep understanding of Payments. She has extensive operational and people management experience.

      Her financial stability role has required her to play a key role in the management of a number of crisis situations.

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      Peter Dehaan
      Liquidity Sales Director, Financial Institutions

      Business area / division
      Financial Institutions, Global Transaction Banking

      Area of expertise / specialism
      Transaction banking liquidity solutions

      Biography
      Peter joined Lloyds Bank in June 2013 and holds the role as Financial Institutions Liquidity Sales Director, where he is responsible for optimising and growing the Global Transaction Banking balance sheet across all Lloyds’s Bank FI sectors. These include clients from Banks, Non-Banks financial institutions, Financial Sponsors, Insurance, Institutional Investors and Pension, Wealth & Stockbrokers.

      He led the program for GTB within the Commercial Back for Notice Products. These products have been crucial to meet internal and external Balance Sheet metrics and ratios.

      Peter has over 20 years’ experience in the financial sector and prior to joining Lloyds Bank, worked for Citibank, Bankers Trust and MW Marshalls covering various roles in Cash management, Sales, Product, Trading and Relationship management.

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      Graeme J Donald
      Head of Industry Development

      Business area / division
      Global Payments, Group Operations

      Area of expertise / specialism
      Payments, settlement, current account switch service and payment systems regulator

      Biography
      Graeme is responsible for leading all external engagement in the payments industry on behalf of Lloyds Bank with industry bodies, Bank of England and regulators. He is a Director of CHAPS Co, Bacs and Cheque & Credit Clearing Company.

      Graeme is an experienced leader with 41 years in banking with RBS, RBS Group, Bank of Scotland, HBOS and Lloyds Bank and has spent the last 23 years in payments. He has extensive subject matter expertise and experience of UK and international payments (electronic and paper), industry strategy, operations, risk, incident management, product management, settlement and liquidity and other technical aspects of the payments business, and this has included leading business units of up to 500 colleagues.

      He was also part of a small team in Lloyds Bank that invented the UK Current Account Switch Service implemented in September 2013 following a £700m cross industry programme.

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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 15 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

      Session overview

      Where is the real-time payments business case?
      Thursday 29 September

      10:15 - 11:15 Workshop B

      Steve Everett, Head of Product and Propositions, Global Transaction Banking, will participate in an open workshop exploring the increasing pressure placed on the banking community to push towards 24/7 instant payments. But the investment to adapt IT applications and infrastructures is substantial. So, the question remains the same - how will these costs be recovered? What is the business case to ‘go instant’? Join this session to hear a cross-section of views from banks and market infrastructures who have had success and encountered pitfalls on this path towards instant payments.

      Speaker profile

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      Transaction banking

      Biography
      Steve is the Head of Product and Propositions, Global Transaction Banking (GTB) having joined Lloyds Banking Group (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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      Sean Gilchrist
      Managing Director Commercial Digital, Group Digital, Lloyds Banking Group

      Business area / division
      Group Digital

      Area of expertise / specialism
      Digital

      Biography
      Sean joined Lloyds Bank in January 2014 and in this time has built a Commercial Digital function as part of Group Digital Division and launched a new Commercial Banking online platform.

      Sean's career spans more than 25 years’ in the finance industry and he joins Lloyds Bank from Barclays where he most recently held the position of Managing Director of Digital Banking, UK Retail and Business Banking. He played an instrumental role in the transformation of digital banking with a clear vision focused on innovation and growth, acting as one of the drivers behind Pingit and mobile banking.

      Prior to this, Sean held a number of other roles within Barclays (namely Head of e-Services, Barclays Wealth) and at other financial services companies.

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      Russell Haward
      Markets Operations Director

      Business area / division
      Global Payments, Group Operations

      Area of expertise / specialism
      Financial markets, cash & liquidity management, change management

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

      Russell has been with Lloyds Bank 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
      Director, Client Coverage, Financial Institutions

      Business area / division
      Global Transaction 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 UK, Europe and Turkey.

      Louise is an experienced Global Transaction Banking professional with over 14 years banking experience primarily focused in the Financial Institutions cash management space.

      Prior to joining Lloyds Bank in 2015, Louise worked at JPMorgan and Wells Fargo Bank in transaction banking coverage and sales management roles.

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      Nahed Kamel
      Director, FI Trade Finance Sales

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Trade finance, 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

      Session overview

      Fraud and anti-money laundering compliance – time for a joined-up approach?
      Wednesday 28 September

      14:00 - 15:00 Conference Room 1

      Cate Kemp, Global Transaction Compliance Director joins this panel session to discuss the ever-increasing pressure faced by financial institutions with regards to implementing and demonstrating robust anti-fraud and anti-money laundering (AML) controls and procedures. This ranges from end-point and session monitoring, to payment pattern controls, as well as analytics and intelligence. Many institutions currently separate their anti-fraud and AML units, even though the objectives of both disciplines are very similar – staying on the right side of the law while preventing financial losses and reputational damage from criminal activity. Should anti-fraud and AML divisions consider a more unified approach, since they already use similar data and tools and face the same need to succeed in the face of rising costs and regulatory focus? Are there opportunities for synergy? What barriers exist, if any, to a more joined-up approach?

      Speaker profile

      Business area / division
      Global Payments, Group Operations

      Area of expertise / specialism
      Audit, risk, change and large compliance operations

      Biography
      Cate established and leads Lloyds Bank Payments Policy and governance arrangements globally, including development, deployment and monitoring.

      In this role as Global Transaction Compliance Director, Cate also heads up the c.1500 strong team who provide AML, CDD, FATCA and Sanctions Shared Services to Lloyds Banking Group.

      Cate is a qualified banker and MBA graduate with 25 years experience in banking.

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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

      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 over 15 years.

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      Nathan Martin
      Associate Director, Transaction Banking

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      UK domestic and International payments, financial institutions coverage

      Biography
      Nathan is an experienced Global Transaction Banking professional with over 12 years banking experience. His major focus is on bank financial institutions cash sales for clients in Asia, Middle East, UK and Europe.

      Having joined Lloyds Bank from Westpac, Nathan brings a wealth of experience across a multitude of settings including credit, coverage and product. Other specialist skills include payments, KYC/AML, liquidity, SEPA and SWIFT.

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

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      Matthew McAllister
      Director, Investors and Intermediaries

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Financial intermediaries and market infrastructure companies

      Biography
      With more than 10 years working in the Financial Institutions market, Matthew leads Lloyds Bank’s focus on the market infrastructure and financial intermediaries sector covering exchanges, CCPs, settlement and custodian businesses as well as financial broking businesses.

      Matthew and his team provide a range of funding and liquidity solutions, risk management and transaction banking and help coordinate the broader network management relationship across Lloyds Bank.

      Matthew joined Lloyds Bank in 1987 after graduating from Kings College London and has had a varied career within Lloyds Bank across retail, SME and Commercial Banking.

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      Gavin Maclean
      Head of Cash Management & Payments

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      Payments, corporate cash management

      Biography
      Gavin is the Head of Cash Management & Payments within Global Transaction Banking having joined Lloyds Bank in 2013. 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 and has a strong track record of leading teams to achieve their business objectives. His previous roles include managing teams in customer fulfilment, customer support, operations and product management.

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      Stef Merckx
      Managing Director, Northern Europe

      Business area / division
      Financial Institutions

      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

      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 Corporates and Financial Institutions

      Business area / division
      Global Transaction Banking, Commercial Banking

      Biography
      John has over 15 years’ experience as a leader of specialist teams and over 11 year’s international experience, building and running regional sales teams and working across all business segments.

      He is currently Managing Director for Global Corporate and Financial Institution client sectors, where he is responsible for client revenues across all GTB products for these key segments.

      John runs a global client coverage and origination team of over 70 FTE located in the UK, Europe USA and Singapore generating income of c. £650m, liabilities of £26Bn and £3Bn of assets. As a member of the GTB Executive Committee, he is part of the leadership team committed to establishing Lloyds Bank as the leading UK provider of transactional banking services.

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      Russell Saunders
      Managing Director, Global Payments

      Business area / division
      Group Operations, Global Payments

      Area of expertise / specialism
      Payments strategy, compliance & change

      Biography
      Russell is responsible for Lloyds Bank’s payments strategy, design, technologies and operations supporting Business Unit strategies. A key component is setting and executing the Group’s payment risk and compliance standards for the bank’s business.

      Russell is Accountable Executive for Lloyds Bank pan-industry and Group programmes delivering improvements for the industry and clients, and to meet raised-bar regulatory compliance requirements. With over 30 years’ experience in banking, Russell has operated at senior levels across international jurisdictions and all client groups, specialising in operations, compliance and change management.

      Russell is Non-Executive Director of SWIFT SCRL, Chair of UK Payments Administration and leads the Financial Crime, Security and Data Working Group on behalf of the Payment Strategy Forum.
      He is also a member of the Group Operations Executive Committee reporting to the Group Director of Operations, a member the Group’s Executive Committee.

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      Ritu Sehgal
      Director, Asia (UK), Financial Institutions

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Financial institutions coverage, Asian banks

      Biography
      Ritu is part of the Global Banks team with responsibility for managing relationships with large Asian and UK Banks. The role focuses on originating opportunities to work with banks across diverse geographies.

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

      Ritu holds an MBA with major in Finance and holds a Honours Bachelors of Commerce degree.

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      Akhil D. Shah
      Director, Head of GTB Network Development & Management

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      UK domestic and International payments, cash management, trade strategy & business development

      Biography
      Akhil is responsible for the development of existing and new propositions – encompassing future channel, product and service enhancements whilst ensuring that Lloyds Banking Group is putting the client first. This includes the Transaction Banking needs across the globe for commercial payments and trade, setting the network strategy, partner identification, selection & management. He is also responsible for the management of Lloyds Bank’s “Buy” side partner and correspondent bank network.

      Within the commercial division, Akhil has focused on FI Transaction Banking Product Management, Corporate Bank Strategy & Business Development.

      Akhil has experience covering Banking and Life & General Insurance having worked for Citibank, Pricewaterhouse Coopers, Aviva and for the last 8 years at Lloyds Bank.

      Akhil graduated with BEng (Hons) 1st class, Manufacturing Systems Engineering, University of Warwick and completed a Postgraduate course, ACDMM at the University of Cambridge.

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      Paul Shaw
      Network Manager

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      Payments and cash management

      Biography
      Paul is an experienced Global Transaction Banking professional with over 12 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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      Cameron Spiers
      Network Manager

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      Payments and cash management

      Biography
      Cameron is an experienced Network Manager and international payments expert with over 15 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 cashflow liquidity management.

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      Matthew Tait
      Relationship Director, Southern Europe and LatAM Bank Coverage

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Financial institutions coverage, transaction banking, capital markets, financial markets

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

      He currently heads up the coverage of Southern European and LatAM 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 also 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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      Paul Taylor
      Managing Director, Financial Institutions

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Financial institutions coverage

      Biography
      Paul is currently Managing Director of Banks within the Financial Institutions team and is responsible for the relationship management of Bank clients across 50 countries across the Americas, Germany, CEE and The Middle East. He was also responsible for the recent Portfolio Rightsizing exercise at Lloyds Bank which focused on significantly reducing the number of counterparties covered by the Financial Institutions team.

      During his career at Lloyds Bank which spans over 30 years, Paul has worked in the New York office and prior to joining Financial institutions he also worked in Corporate Banking and Retail/Mid Markets.

      Paul has an MBA and a Degree in Economics and History.

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      Edward Thurman
      Managing Director, Financial Institutions

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Financial institutions

      Biography
      Ed heads up the Financial Institutions business at Lloyds Bank. He joined the Group in August 2008 as a Director for the Group Corporate Development team, with responsibility for developing corporate strategy for the Group.

      Before joining Lloyds Banking Group, Ed held senior strategy roles at Bear Stearns and ABN AMRO, and spent five years with McKinsey & Company from 1999.

      After graduating with a degree in economics, Ed began his career at the Bank of England, before moving to the Financial Services Authority (FSA) when it was formed in 1998.

      x

      Adrian Walker
      Managing Director, Head of Global Transaction Banking

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      Transaction banking

      Biography
      Adrian is the Head of Global Transaction Banking in the Commercial Banking arm of Lloyds Banking Group. Adrian’s business provides working capital solutions to enable clients’ growth via Trade & Supply Chain Finance, Cash Management & Payments, and Fixed Assets & Invoice Finance. Adrian is leading the evolution of the Commercial Bank’s working capital proposition across all of its client teams and is building a business that integrates this offering.

      Adrian is a highly accomplished senior executive with 29 years’ banking experience, spanning retail, corporate and investment banking activities. Adrian joined Lloyds Banking Group in November 2007 as Managing Director, Leveraged Finance with over a decade of M&A experience. In 2011 he was appointed as Chief of Staff for Antonio Horta-Osorio, Lloyds Banking Group CEO, transforming LBG through a broad spectrum of responsibilities and implementing business improvement strategies. In 2012 he led the Business Development and Transformation team within Commercial Banking, before switching to Head of Global Transaction Banking Products in 2014.

      Adrian was appointed to his current role as MD, Head of Global Transaction Banking, in November 2015.

      x

      Christopher White
      Head of Australian and South African Bank Coverage

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Relationship management, balance sheet management, bank regulatory capital, funding, debt capital markets (DCM)

      Biography
      Christopher is the Head of Coverage for the Australian and South African banks.

      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 Debt Capital Markets (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 Australian, UK, US, Canadian and South African banks.

      x

      Tom Wicka
      Relationship Director

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Relationship management

      Biography
      Tom is currently a Relationship Director within the Global Banks, Financial Institutions team where he has responsibility for managing the North American Banks portfolio by building longstanding and mutually beneficial relationships.

      Tom joined Lloyds Bank’s graduate management scheme 14 years ago, specialising in Marketing.

      Prior to joining FI in 2007, Tom specialised in marketing and product roles in Retail, Corporate and FI, managing and growing the profitability of a number of product lines.

      Tom is a graduate of Reading University and a member of the Association of Corporate Treasurers (ACT).

      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.

      Get set for immediate payments

      As the 10th anniversary of the UK's Faster Payment Service nears, Mark Curran, Payments Technical Services Director, Lloyds Bank, examines the latest developments in immediate payments – and outlines how financial institutions can prepare for a real-time environment.

      Find out more

      PSD2: an open opportunity

      While the challenges around PSD2 have been much debated, James McMorrow, Head of Payment Strategy, Lloyds Bank, believes it is time for financial institutions to choose their strategic path to compliance – and to embrace the benefits of open banking.

      Find Out More

      EU Referendum

      Adrian Walker, Managing Director of Global Transaction Banking, Lloyds Bank, believes there are opportunities for financial institutions to work in partnership to support the future of the British trade across the globe.

      Find out more

      EU Referendum: 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.

      Download the report

      Financial Institutions Sentiment Survey

      Our inaugural survey conducted pre EU Referendum convened views from senior leaders across a broad spectrum of financial institutions on challenges and opportunities for their businesses, and the UK financial services sector.

      View the survey results

      How PSD2 and technology will change the European payments landscape

      In this four-part masterclass series, Joy Macknight, Transaction Banking and Technology Editor at The Banker interviews Lloyds Bank experts on the latest changes to the European payments landscape, and what it means for you.

      Find Out More

      Access to payment systems: what is the impact of the EU Referendum?

      James McMorrow, Head of Payment Strategy, Lloyds Bank, discusses potential strategies for retaining payment scheme access.

      Find out more

      Streamlining the KYC Compliance process

      In this interview Mark Brotherton, Chief Operating Officer, Financial Institutions, Lloyds Bank Commercial Banking, and Kwaku Osafo, Chief Operating Officer, Banks, Financial Institutions, Lloyds Bank Commercial Banking, discuss how Lloyds Bank is extracting real value from its relationship with The KYC Registry.

      Find out more

    Lloyds Bank plc. Registered office: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Authorisation can be checked on the Financial Services Register at www.fca.org.uk under the Firm Registration Number 119278.

    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.)