• Lloyds Bank at Sibos 2018

    In the UK, we are seeing a period of unprecedented change with the Payments Infrastructure migrating to ISO 20022 standards and Open Banking and developments in API’s creating opportunity and increasing competition.

    Across the world the proliferation of immediate payments schemes and SWIFT GPI continues to grow in importance together helping the digitisation of Trade and Cash Management.

    To make sure we are in-step with our changing markets and able to take advantage of these great opportunities Lloyds Banking Group is investing; we are building capability that will drive digitisation, the deployment of new technologies such as cognitive and machine learning and also cloud based and API driven channels.

    Come and join our team of experts on stand D21 and see how we are “Enabling the digital economy” and what this can mean for you and your clients and their transaction banking needs.



    Lloyds Bank delegates

    Ed Aldorino
    Samuel Amoako
    Stuart Bailey
    Robina Barker Bennett
    Otto Benz

    Ed Aldorino
    Director

    Business area / division
    Global Transaction Banking Asia

    Area of expertise / specialism
    Origination, structuring and distribution of trade finance assets. FI Relationship Management, Cash Management and Payments and Deposits

    Biography
    Ed has over 15 year’s banking experience including, expertise in origination, structuring and distribution of trade finance assets.

    He has spent 5 years with Lloyds Bank and been based in Singapore and Hong Kong for the past 4 years. Previously Ed was responsible for GTB sales at ANZ London and FI Coverage at MUFG London.

    He is qualified from the London Institute of Banking and Finance.

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    Samuel Amoako
    Director

    Business area / division
    Global Transaction 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 Graduate Diploma in Finance from the London School of Economics, and is an MBA student of Warwick Business School.

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    Stuart Bailey
    Head of Industry, Strategy and Design

    Business area / division
    Global Payments

    Area of expertise / specialism
    Electronic payments design

    Biography
    Stuart is accountable for external engagement with the UK's payments system operator and regulators.

    He has significant experience in payments strategy, product management, business management and FI Relationship Management.

    Stuart is a Chair on the Lloyds Bank's Global Payments Design Authority and is ACIB qualified. He is also a member of UK Finance, Policy Committee, Payments Product and Service Board Director and Faster Payments Limited.

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    Robina Barker Bennett
    Managing Director, Head of Financial Institutions

    Business area / division
    Financial Institutions

    Area of expertise / specialism
    Financial Institutions

    Biography
    Robina leads the Financial Institutions business within the Commercial Banking division of Lloyds Banking Group.

    Robina joined Bank of Scotland in March 2007 and was previously Head of Structured Products before moving to Head of Financial Institutions for North America and Global Head of Funds as part of Lloyds Banking Group. Most recently she was Audit Director for the Commercial Banking division.

    Previous roles include Managing Director and Head of the European Credit Structuring team in CIBC, responsible for the origination and execution of all European Securitisations and CDO business. In the late 1990’s, Robina was part of the management team that set up Enron Credit, the credit trading group within Enron, where she had general management and strategic responsibility.

    Earlier in her career, Robina worked on Project Finance transactions in both Enron and PowerGen. She started her banking career in 1990 at Hambros Bank, in a variety of areas from Leveraged Loans to Debt Advisory.

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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)

    Biography
    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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    Loukas Dasargiris
    Robert Ellison
    Steve Everett
    Alexis Formosa
    Shreeya Ghadia

    Loukas Dasargiris
    Senior Director, FI Trade Sales

    Business area / division
    Global Transaction 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

    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
    Managing Director, Payments, Global Transaction Banking

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    Transaction Banking

    Biography

    Steve is Managing Director for Payments within the Global Transaction Banking teams, having joined Lloyds Banking Group (LBG) in October 2014.

    He was previously Head of Product & Propositions, Global Transaction Banking. This teams focus was 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.

    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 (FI) 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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    Shreeya Ghadia
    Relationship Director, Financial Institutions

    Business area / Division
    Financial Institutions

    Biography

    Shreeya is a Relationship Manager within Financial Institutions, leading the London based coverage of North American and Canadian banks. The role focuses on identifying and originating new opportunities to work with banks across the full suite of Lloyds Bank products.

    Shreeya joined Lloyds Bank on their Finance graduate scheme, completing three years of rotations across the bank including the Securitisation desk within Treasury and the Corporate Development team. Upon completing the graduate scheme, Shreeya joined the Client Asset Management function with a mandate to manage the Commercial Banks balance sheet.

    Shreeya is ACA qualified and holds a BSc Hons degree in Economics. She sits on the Lloyds Bank Inclusion and Diversity Committee.

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    Sophie Hawkins
    Clive Higglesden
    Cate Kemp
    Gary King
    Aaron Li

    Sophie Hawkins
    Head of Control Function, CB Asia

    Business area / division
    Commercial Banking Asia

    Area of expertise / specialism
    AML, CTF, Fraud, Anti-Bribery, Conduct Risk, Operational Risk, Control Environment. Specific expertise related to the Financial Crime risks within trade finance and correspondent banking.

    Biography
    Sophie leads the first line risk management function for Lloyds Banking Group’s business in the Asia region. This includes responsibilities across Financial Crime, Conduct, Operational and Regulatory risks and governance and oversight.

    Sophie joined Lloyds Banking Group in 2014, and relocated to Singapore in 2016 to build and lead the first line of defence function in the region. Prior to this, Sophie held several senior Financial Crime prevention roles at other institutions.

    Sophie has obtained several post-graduate diplomas on the topic of risk management, and holds a law degree from City University.

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    Clive Higglesden
    Head of Trade and Supply Chain Finance, Product

    Business area / division
    Global Transaction 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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    Cate Kemp
    Director, Global Transaction Banking

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    Large compliance Operations

    Biography
    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 Services Policy and governance arrangements, including development, deployment and monitoring.

    Cate is an MBA graduate and qualified banker and a member of the Payment Systems Regulator Panel.

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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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    Aaron Li
    Sales Director, GTB Asia Pacific

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    Global Transaction Banking, Asian market

    Biography
    Aaron is a senior banker with experiences in Global Transaction Banking and Relationship Coverage. He has served in roles in Trade Finance, Cash Management, Capital Markets and Coverage for both Corporate and Financial Institutions clients, spending his career in multiple markets in Asia.

    Aaron joined Lloyds in 2017. Prior to Lloyds Bank, Aaron worked at Deutsche Bank in China and Singapore.

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    Nathan Martin
    Gwynne Master
    Oonagh McGrane
    Gavin McLean
    Stef Merckx

    Nathan Martin
    Director, Transaction Banking

    Business area / division
    Global Transaction 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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    Gwynne Master
    Managing Director, Trade

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    Trade Finance and Supply Chain

    Biography

    Gwynne is Global Head of GTB Trade, focused on end-to-end solutions for Lloyds Bank clients.

    Gwynne was previously Head of Global Transaction Banking (GTB) and Financial Institutions (FI)/NBFI & International Sales. Prior experience includes Standard Chartered Bank, where Gwynne was head of Europe and Americas FI coverage. Gwynne also has significant International experience through her time at Barclays - developing a Commercial Bank regional hub in Singapore and leading Asia FI.

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    Oonagh McGrane
    Director, FI Propositions

    Business area / division
    Global Transaction 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
    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. 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

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

    Biography

    Stef is the Senior Banker in Financial Institutions, 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 amongst others in The Netherlands, the US, and most recently in the CEEMA Emerging Markets.

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    Mandeep Nijjar
    Shiv Seerapu
    Ritu Sehgal
    Cameron Spiers
    Matthew Tait

    Mandeep Nijjar
    Head of Payments Liquidity & Client Delivery

    Business area / division
    Global Payments

    Area of expertise / specialism
    Intraday liquidity/Treasury/Global Payments

    Biography

    Mandeep is head of payments liquidity and client delivery. Working in close collaboration with Financial Institutions, his team are responsible for managing the smooth on-boarding and servicing of new and existing clients that have access to international payment products which the Group offers. His role also extends to managing the Lloyds Banking Group’s intraday payment liquidity and its daily cash management requirements to fund the Groups global network of correspondent nostro accounts.

    A career banker with over 20 years of experience at LBG, he has previously worked in its treasury business for the Commercial banking division. Since 2010, he has successfully led a highly complex and business critical operation within Global Payments. His expert knowledge and experience of treasury products, operations and cash management spans across both UK domestic and international payments.

    He has a qualification from the Chartered Institute of Bankers.

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    Shiv Seerapu
    Managing Director, GTB Head – Asia Pacific

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    Trade Finance and Supply Chain

    Biography
    Shiv has regional business responsibility for the GTB business in Asia including building a local franchise and originating Asian Trade and payments flows into the UK.

    Prior to joining Lloyds Bank in 2017, she spent 11 years at Deutsche Bank AG, with most recent role as Regional Head and Trade and Supply Chain, APAC.

    Shiv has an MBA.

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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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    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 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 Financial Institution 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
    Head of Overseas 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 team managing our strategic Overseas Banking relationships across Asia, Australia, the Americas and select other regions, working closely with colleagues in Singapore and New York.

    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 the CFA UK Gender and Diversity Committee.

    Edward Thurman
    Christopher White
    Michael Zentz

    Edward Thurman
    Managing Director, Head of Global Transaction Banking

    Business area / division
    Global Transaction Banking

    Area of expertise / specialism
    Global Transaction Banking, Financial Institutions

    Biography
    In November 2017, Ed was appointed as Managing Director, Head of Global Transaction Banking (GTB), Lloyds Banking Group. The GTB business serves all client groups within Commercial and Business Banking, through specialist teams across the UK and key international hubs. As well as the provision of key cash management and payments products and services, the business designs, builds and delivers propositions to support clients’ broader working capital needs including Trade and Supply Chain Finance and Asset and Invoice Finance.

    After completing a degree Economics at the University of Manchester, Ed began his career with the Bank of England, before moving to McKinsey & Company in 1999. Specialising in wholesale and corporate banking, post McKinsey, Ed went on to hold a number of senior strategy roles at Bear Stearns and ABN AMRO.

    Ed joined Lloyds Banking Group in August 2008 as a Director in Group Corporate Development. Prior to moving to Global Transaction Banking, Ed spent five years as Head of Financial Institutions.

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    Christopher White
    Managing Director - Banks

    Business area / division
    Financial Institutions

    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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    Michael Zentz
    Director

    Business area / division
    Banks Coverage, Financial Institutions

    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 Financial Institutions 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

    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.


    Securing trade with the UK: what are the ingredients for a successful banking partnership?

    With trade flows being impacted by US and Chinese tariffs, and Brexit promising more potential disruption, how can inter-bank partnerships drive trade activity and support clients in times of change?

    Find out more

    Time is of the essence: how payments are becoming faster

    The UK was an early adopter of an immediate payment model with Faster Payments, and now immediate payments are spreading across the globe. Why this is changing clients’ expectations?

    Find out more

    Beyond Open Banking: how the API economy will disrupt the financial industry

    API (Application Programming Interface) technology has already fundamentally changed the way the retail, telco, travel, hospitality, and several other industries work, and it is about to do the same to the banking and finance industry.

    Find out more

    Faster progress to faster solutions: meeting client needs and behaving like a fintech

    With the spread of Faster Payments and the developments in SWIFT gpi, the ability to make instant payments is spreading globally. In this article, we explore the complex drivers behind the evolution of cash management and payments, and the impact on clients now and in the future.

    Find out more

    Evolving the UK payments landscape: how regulation is meeting modern needs

    Since the introduction of the Faster Payments Service in 2008, the UK has seen a string of regulatory changes impacting the payment landscape. Get the inside track on evolving payment regulation in the UK and its impact on global financial institutions.

    Find out more

    Countdown to 2021: what you need to know about the potential phasing out of LIBOR

    In July 2017, the Financial Conduct Authority signalled the potential discontinuation of LIBOR beyond 2021. This kick-started significant activity around the globe to consider the implications and prepare for transition to alternative benchmarks.

    Find out more

    Financial Institutions Sentiment Survey 2018

    According to the results of this year’s Financial Institutions Sentiment Survey, firms believe that the UK economy in 2018 will remain resilient once again. However, there is concern about how it will perform in comparison to G7 peers.

    Find out more

    The future of the UK and Europe – edition 8

    As the UK and EU work through trade talks, this edition explains what businesses need to know, with insights from industry experts, Miriam González Durántez, Co-chair of the international trade practice at Dechert LLP, and Pascal Lamy, Director-General of the World Trade Organisation.

    Find out more
    • 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

      Ed Aldorino
      Samuel Amoako
      Stuart Bailey
      Robina Barker Bennett
      Otto Benz
      Loukas Dasargiris
      Robert Ellison
      Steve Everett
      Alexis Formosa
      Shreeya Ghadia
      Sophie Hawkins
      Clive Higglesden
      Cate Kemp
      Gary King
      Aaron Li
      Nathan Martin
      Gwynne Master
      Oonagh McGrane
      Gavin McLean
      Stef Merckx
      Mandeep Nijjar
      Shiv Seerapu
      Ritu Sehgal
      Cameron Spiers
      Matthew Tait
      Edward Thurman
      Christopher White
      Michael Zentz

      Elizabeth Adams
      Job title

      Business area / division
      Business area / division

      Area of expertise / specialism
      Area of expertise / specialism

      Biography
      Biography

      x

      Ed Aldorino
      Director

      Business area / division
      Global Transaction Banking Asia

      Area of expertise / specialism
      Origination, structuring and distribution of trade finance assets. FI Relationship Management, Cash Management and Payments and Deposits

      Biography
      Ed has over 15 year’s banking experience including, expertise in origination, structuring and distribution of trade finance assets.

      He has spent 5 years with Lloyds Bank and been based in Singapore and Hong Kong for the past 4 years. Previously Ed was responsible for GTB sales at ANZ London and FI Coverage at MUFG London.

      He is qualified from the London Institute of Banking and Finance.

      x

      Samuel Amoako
      Director

      Business area / division
      Global Transaction 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 Graduate Diploma in Finance from the London School of Economics, and is an MBA student of Warwick Business School.

      x

      Stuart Bailey
      Head of Industry, Strategy and Design

      Business area / division
      Global Payments

      Area of expertise / specialism
      Electronic payments design

      Biography
      Stuart is accountable for external engagement with the UK's payments system operator and regulators.

      He has significant experience in payments strategy, product management, business management and FI Relationship Management.

      Stuart is a Chair on the Lloyds Bank's Global Payments Design Authority and is ACIB qualified. He is also a member of UK Finance, Policy Committee, Payments Product and Service Board Director and Faster Payments Limited.

      x

      Robina Barker Bennett
      Managing Director, Head of Financial Institutions

      Business area / division
      Financial Institutions

      Area of expertise / specialism
      Financial Institutions

      Biography
      Robina leads the Financial Institutions business within the Commercial Banking division of Lloyds Banking Group.

      Robina joined Bank of Scotland in March 2007 and was previously Head of Structured Products before moving to Head of Financial Institutions for North America and Global Head of Funds as part of Lloyds Banking Group. Most recently she was Audit Director for the Commercial Banking division.

      Previous roles include Managing Director and Head of the European Credit Structuring team in CIBC, responsible for the origination and execution of all European Securitisations and CDO business. In the late 1990’s, Robina was part of the management team that set up Enron Credit, the credit trading group within Enron, where she had general management and strategic responsibility.

      Earlier in her career, Robina worked on Project Finance transactions in both Enron and PowerGen. She started her banking career in 1990 at Hambros Bank, in a variety of areas from Leveraged Loans to Debt Advisory.

      x

      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)

      Biography
      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.

      x

      Loukas Dasargiris
      Senior Director, FI Trade Sales

      Business area / division
      Global Transaction 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

      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
      Managing Director, Payments, Global Transaction Banking

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      Transaction Banking

      Biography

      Steve is Managing Director for Payments within the Global Transaction Banking teams, having joined Lloyds Banking Group (LBG) in October 2014.

      He was previously Head of Product & Propositions, Global Transaction Banking. This team focus was 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.

      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 (FI) 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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      Shreeya Ghadia
      Relationship Director, Financial Institutions

      Business area / division
      Financial Institutions

      Area of expertise / specialism
      Relationship management, financial institutions coverage

      Biography

      Shreeya is a Relationship Manager within Financial Institutions, leading the London based coverage of North American and Canadian banks. The role focuses on identifying and originating new opportunities to work with banks across the full suite of Lloyds Bank products.

      Shreeya joined Lloyds Bank on their Finance graduate scheme, completing three years of rotations across the bank including the Securitisation desk within Treasury and the Corporate Development team. Upon completing the graduate scheme, Shreeya joined the Client Asset Management function with a mandate to manage the Commercial Banks balance sheet.

      Shreeya is ACA qualified and holds a BSc Hons degree in Economics. She sits on the Lloyds Bank Inclusion and Diversity Committee.

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      Sophie Hawkins
      Head of Control Function, CB Asia

      Business area / division
      Commercial Banking Asia

      Area of expertise / specialism
      AML, CTF, Fraud, Anti-Bribery, Conduct Risk, Operational Risk, Control Environment. Specific expertise related to the Financial Crime risks within trade finance and correspondent banking.

      Biography
      Sophie leads the first line risk management function for Lloyds Banking Group’s business in the Asia region. This includes responsibilities across Financial Crime, Conduct, Operational and Regulatory risks and governance and oversight.

      Sophie joined Lloyds Banking Group in 2014, and relocated to Singapore in 2016 to build and lead the first line of defence function in the region. Prior to this, Sophie held several senior Financial Crime prevention roles at other institutions.

      Sophie has obtained several post-graduate diplomas on the topic of risk management, and holds a law degree from City University.

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      Clive Higglesden
      Head of Trade and Supply Chain Finance, Product

      Business area / division
      Global Transaction 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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      Cate Kemp
      Director, Global Transaction Banking

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      Large compliance Operations

      Biography
      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 Services Policy and governance arrangements, including development, deployment and monitoring.

      Cate is an MBA graduate and qualified banker and a member of the Payment Systems Regulator Panel.

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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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      Aaron Li
      Sales Director, GTB Asia Pacific

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      Global Transaction Banking, Asian market

      Biography
      Aaron is a senior banker with experiences in Global Transaction Banking and Relationship Coverage. He has served in roles in Trade Finance, Cash Management, Capital Markets and Coverage for both Corporate and Financial Institutions clients, spending his career in multiple markets in Asia.

      Aaron joined Lloyds in 2017. Prior to Lloyds Bank, Aaron worked at Deutsche Bank in China and Singapore.

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      Nathan Martin
      Director, Transaction Banking

      Business area / division
      Global Transaction 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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      Gwynne Master
      Managing Director, Trade

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      Trade Finance and Supply Chain

      Biography

      Gwynne is Global Head of GTB Trade, focused on end-to-end solutions for Lloyds Bank clients.

      Gwynne was previously Head of Global Transaction Banking (GTB) and Financial Institutions (FI)/NBFI & International Sales. Prior experience includes Standard Chartered Bank, where Gwynne was head of Europe and Americas FI coverage. Gwynne also has significant International experience through her time at Barclays - developing a Commercial Bank regional hub in Singapore and leading Asia FI.

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      Oonagh McGrane
      Director, FI Propositions

      Business area / division
      Global Transaction 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
      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. 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

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

      Biography

      Stef is the Senior Banker in Financial Institutions, 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 amongst others in The Netherlands, the US, and most recently in the CEEMA Emerging Markets.

      x

      Mandeep Nijjar
      Head of Payments Liquidity & Client Delivery

      Business area / division
      Global Payments

      Area of expertise / specialism
      Intraday liquidity/Treasury/Global Payments

      Biography

      Mandeep is head of payments liquidity and client delivery. Working in close collaboration with Financial Institutions, his team are responsible for managing the smooth on-boarding and servicing of new and existing clients that have access to international payment products which the Group offers. His role also extends to managing the Lloyds Banking Group’s intraday payment liquidity and its daily cash management requirements to fund the Groups global network of correspondent nostro accounts.

      A career banker with over 20 years of experience at LBG, he has previously worked in its treasury business for the Commercial banking division. Since 2010, he has successfully led a highly complex and business critical operation within Global Payments. His expert knowledge and experience of treasury products, operations and cash management spans across both UK domestic and international payments.

      He has a qualification from the Chartered Institute of Bankers.

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      Shiv Seerapu
      Managing Director, GTB Head – Asia Pacific

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      Trade Finance and Supply Chain

      Biography
      Shiv has regional business responsibility for the GTB business in Asia including building a local franchise and originating Asian Trade and payments flows into the UK.

      Prior to joining Lloyds Bank in 2017, she spent 11 years at Deutsche Bank AG, with most recent role as Regional Head and Trade and Supply Chain, APAC.

      She has an MBA.

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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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      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 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 Financial Institution and Commercial banking clients and worked in various roles in payment investigations and Sterling and Euro cash flow liquidity management.

      x

      Matthew Tait
      Head of Overseas 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 team managing our strategic Overseas Banking relationships across Asia, Australia, the Americas and select other regions, working closely with colleagues in Singapore and New York.

      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 the CFA UK Gender and Diversity Committee.

      x

      Edward Thurman
      Managing Director, Head of Global Transaction Banking

      Business area / division
      Global Transaction Banking

      Area of expertise / specialism
      Global Transaction Banking, Financial Institutions

      Biography
      In November 2017, Ed was appointed as Managing Director, Head of Global Transaction Banking (GTB), Lloyds Banking Group. The GTB business serves all client groups within Commercial and Business Banking, through specialist teams across the UK and key international hubs. As well as the provision of key cash management and payments products and services, the business designs, builds and delivers propositions to support clients’ broader working capital needs including Trade and Supply Chain Finance and Asset and Invoice Finance.

      After completing a degree Economics at the University of Manchester, Ed began his career with the Bank of England, before moving to McKinsey & Company in 1999. Specialising in wholesale and corporate banking, post McKinsey, Ed went on to hold a number of senior strategy roles at Bear Stearns and ABN AMRO.

      Ed joined Lloyds Banking Group in August 2008 as a Director in Group Corporate Development. Prior to moving to Global Transaction Banking, Ed spent five years as Head of Financial Institutions.

      x

      Christopher White
      Managing Director - Banks

      Business area / division
      Financial Institutions

      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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      Michael Zentz
      Director

      Business area / division
      Banks Coverage, Financial Institutions

      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 Financial Institutions 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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    • 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.

      Securing trade with the UK: what are the ingredients for a successful banking partnership?

      With trade flows being impacted by US and Chinese tariffs, and Brexit promising more potential disruption, how can inter-bank partnerships drive trade activity and support clients in times of change?

      Find out more

      Time is of the essence: how payments are becoming faster

      The UK was an early adopter of an immediate payment model with Faster Payments, and now immediate payments are spreading across the globe. Why this is changing clients’ expectations?

      Find out more

      Beyond Open Banking: how the API economy will disrupt the financial industry

      API (Application Programming Interface) technology has already fundamentally changed the way the retail, telco, travel, hospitality, and several other industries work, and it is about to do the same to the banking and finance industry.

      Find out more

      Faster progress to faster solutions: meeting client needs and behaving like a fintech

      With the spread of Faster Payments and the developments in SWIFT gpi, the ability to make instant payments is spreading globally. In this article, we explore the complex drivers behind the evolution of cash management and payments, and the impact on clients now and in the future.

      Find out more

      Evolving the UK payments landscape: how regulation is meeting modern needs

      Since the introduction of the Faster Payments Service in 2008, the UK has seen a string of regulatory changes impacting the payment landscape. Get the inside track on evolving payment regulation in the UK and its impact on global financial institutions.

      Find out more

      Countdown to 2021: what you need to know about the potential phasing out of LIBOR

      In July 2017, the Financial Conduct Authority signalled the potential discontinuation of LIBOR beyond 2021. This kick-started significant activity around the globe to consider the implications and prepare for transition to alternative benchmarks.

      Find out more

      Financial Institutions Sentiment Survey 2018

      According to the results of this year’s Financial Institutions Sentiment Survey, firms believe that the UK economy in 2018 will remain resilient once again. However, there is concern about how it will perform in comparison to G7 peers.

      Find out more

      The future of the UK and Europe – edition 8

      As the UK and EU work through trade talks, this edition explains what businesses need to know, with insights from industry experts, Miriam González Durántez, Co-chair of the international trade practice at Dechert LLP, and Pascal Lamy, Director-General of the World Trade Organisation.

      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.)