• We look forward to welcoming you at SIBOS 2019 at the inaugural London conference. It comes at a time when we are all facing into an unprecedented period of change and opportunity.

    We have much to share with you around our multi-billion pound investment programme and our new capabilities in Cash Management & Payments and in Trade designed to meet the changing needs of regulation, technology and our clients.

    And this year we also have an extensive programme of activity planned on our stand as well as some great speakers across the week in the main programme.



    Come and join us on stand L104 to see how we are “Enabling the digital economy” and what this can mean for you, your clients, and their transaction banking needs.

    Key speaker highlights to look out for:

    Monday 23 September

    13:30 - 14:00 Plenary Room

    • António Horta-Osório, CEO Lloyds Banking Group, will talk about transforming through people in his a “View from the top” session

    15:15 - 16:00 Conference room 3

    • Andrea Melville, MD, Head of Commercialisation & Propositions, Global Transaction Banking, takes part in a panel on “APIs: The Connective tissue enabling platforms and creating thriving ecosystems”

    Tuesday 24 September

    11:00 - Spotlight Stage – Conference south

    • Dan Makoski, Chief Design Officer at Lloyds Banking Group on the role of human centred design in CX development.

    Thursday 26 September

    10:00 - 10:45 Conference room 4

    • Jennifer Tippin, Group Director People & Productivity, Lloyds Banking Group, will participate in a panel on “Re-skilling, an opportunity to increase diversity for the Fourth Industrial Revolution?”

    14:30 - 15:15 Conference Room 4

    • Torrin Stafford, Head of Data Privacy & Protection, Lloyds Banking Group, contributes to a panel on “Protecting privacy and instilling trust in a millennial world”

    On stand activity:

    Monday 23 September

    16:00 - 17:30

    • Drinks reception

    Tuesday 24 September

    13:00

    • Dan Makoski, Chief Design Officer at Lloyds Banking Group, and Merisa Lee Gimpel, Head of Trade Innovation & Redesign, will showcase how human centred design has featured in how we collaborate with clients in trade.

    Wednesday 25 September

    14:30 - 16:00

    • Afternoon tea served

    Thursday 26 September

    8:00 - 10:00

    • Breakfast

    Through-out the day

    • Sam Riordan, Head of Innovation and Partnerships in Global Transaction Banking, will run a session on Partnership and Innovation.

    We will also be running interactive sessions offering demonstrations of our new Cash Management & Payments platform and developments in our trade finance capability.

    Lloyds Bank delegates

    Ed Aldorino
    Samuel Amoako
    Stuart Bailey
    Robina Barker Bennett
    Otto Benz

    Ed Aldorino
    Managing Director, Global Transaction Banking, Asia Pacific

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Trade Finance and Supply Chain.

    Biography
    Ed has regional responsibility for the GTB business in Asia Pacific. Including building a local franchise and originating Asian trade and payment flows into the UK.

    He has 15 years corporate banking experience across GTB and Relationship Coverage, he has been based in Singapore since 2015.

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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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    Katherine Charters
    Loukas Dasargiris
    Steve Everett
    Alexis Formosa
    Shreeya Ghadia

    Katherine Charters

    Director, Payments

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    International Transaction Banking, Financial Institutions

    Biography
    With more than 15 years’ experience in payments and cash management, Katherine manages the European Banks portfolio, providing a range of solutions to meet the needs of this diverse sector.

    Prior to joining Lloyds Bank in 2011, Katherine completed a Graduate Programme at Royal Bank of Scotland, before moving into their transaction banking division, and spent 5 years in Financial Institutions at BMO Capital Markets.

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    Loukas Dasargiris
    Head of EMEA and Latin America, FI Trade Sales

    Business area / division
    Global Transaction Banking, Commercial Banking

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

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

    Loukas joined Lloyds Bank in 2017 and he has over 29 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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    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 15 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 Director

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Financial Institutions coverage across Asia, Middle East, UK and Europe.

    Biography
    Alexis is responsible for the Middle East Banks portfolio. His main focus is on identifying and originating new business opportunities with banks across the full Lloyds Bank product suite, delivering relationship growth and strategy setting.

    Alexis has been part of the FI Banks team since 2015 where he has also covered Asian Banks and prior to this was part of the Lloyds Bank Graduate Scheme.

    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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    Merisa Lee Gimpel
    Gary King
    Frederik Lim
    Lin Liu
    Nathan Martin

    Merisa Lee Gimpel
    Director, Head of Trade Innovation

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Trade, Working Capital, Payments, Innovation, Partnerships, Customer Journey

    Biography
    Merisa has been responsible for Trade Innovation at Lloyds Bank since December 2018.

    Merisa has 13 years of experience in the transaction banking space, with particular focus on product development and improving customer journeys in both trade finance and cash management.

    Prior to joining Lloyds Bank, Merisa was with Citi where her last role was Product Head of Supply Chain Finance for the Europe, Middle East and Africa (EMEA) region.

    Merisa holds a Certificate in International Treasury Management (CertITM) and Certificate in International Cash Management (CertICM) from the Association of Corporate Treasurers (ACT), as well as a BSc. (First Class Honours) in Economics from the London School of Economics.

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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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    Frederik Lim
    Associate Director, Financial Institutions Asia

    Business area / division
    Financial Institutions, Commercial Banking

    Biography
    Frederik has over 10 years of experience for financial institutions clients in Asia. Prior to joining Lloyds Bank, Frederik was Regional Manager at OCBC covering financial institutions in Asia.

    Frederik holds a B. Accountancy (Hons) from Nanyang Technological University together with a double specialisation in Banking & Finance.

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    Lin Liu
    Director, Financial Institutions, Asia Pacific

    Business area / division
    Financial Institutions, Asia Pacific

    Area of expertise / specialism
    Global Banks, Financial Institutions

    Biography
    Lin works as a Director on the FI Asia team, managing the commercial bank relationships and selective NBFIs in the region. Prior to her transfer to Singapore in 2015, Lin worked on the North America team in Global Banks. During which time, she also did a 5 month secondment to Lloyds’ New York office. Lin started with Lloyds Bank in Edinburgh at the end of 2010, working in the Real Estate team and responsible for developing and implementing debt recovery strategy for the distressed assets, within the Housebuilders’ portfolio.

    Lin is a trained chartered accountant having started her professional career at Ernst & Young, undertaking external audit engagements across large PLCs. Lin is fluent in English, Mandarin and Cantonese.

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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
    Oonagh McGrane
    Gavin McLean
    Andrea Melville
    Stef Merckx

    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 Proposition Development

    Business area / division
    Global Transaction Banking, Commercial Banking

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

    Biography
    Oonagh is responsible for the development of the Global Transaction Banking Payments & Liquidity proposition we offer to Clients as well as ensuring we have the coverage we need to service the international Global Transaction Banking Payments & Trade 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 Account Management

    Oonagh holds a B.A. (Hons) Degree in Applied Languages from Dublin City University and is a certified Professional Scrum Master.

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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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    Andrea Melville
    Managing Director of Commercialisation and Propositions

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Global Transaction Banking product propositions and pricing.

    Biography
    Andrea is responsible developing propositions, strategic partnerships, and pricing across the Transaction Banking product suite, which involves a number of strategic initiatives covering APIs, data, and blockchain. She is also responsible for balance sheet optimisation within Transaction Banking.

    Andrea joined Lloyds Banking Group in 2006. During her time with the Group she has worked in a variety of Commercial and Strategic roles, including Open Banking Director for the Retail Bank where she was responsible for the strategic response to Open Banking, and developing our propositions and business models to take advantage of this exciting industry change.

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    Stef Merckx
    Managing Director, Head of EMEA FI

    Business area / division
    Financial Institutions, Commercial Banking

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

    Biography
    Stef is the Senior Banker in Financial Institutions responsible for the relationship management team in Europe and the Middle East. Stef covers the bank’s clients in The Netherlands, while managing a team which covers clients across Europe and the Middle East & Africa.

    Prior to joining Lloyds Bank early 2014, Stef worked at RBS and ABN AMRO in a number of management and coverage roles in Financial Institutions, Public Sector and Corporates in the Netherlands and internationally, with a focus on investment banking products ranging from M&A to Debt Capital markets.

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    Mandeep Nijjar
    Bhavna Saraf
    Shiv Seerapu
    Ritu Sehgal
    Paul Shaw

    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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    Bhavna Saraf
    Head of Trade and Supply Chain Finance Products

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Global Transaction Banking, Corporate Bank, Trade Finance, Risk

    Biography
    Bhavna is Head of Trade and Supply Chain Finance Products and leads the team that drives the development of a suite of trade products that meet client’s international, domestic and working capital needs.

    She is a seasoned banker with experience in Corporate and Transactional Banking, having done various leadership roles in P&L management, Product, Sales, Structuring large episodic transactions to developing in-organic external partnerships. She has worked with companies across Corporate and Public Sector. She has been a Senior Business Credit Officer.

    She was Founder of a start-up, which she progressed to Seed 3 Funding.

    She started her banking career under HSBC’s Graduate program and moved to Rabobank, prior to joining Citi where she had her previous tenure.

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    Shiv Seerapu
    CEO Asia Pacific & Country Manager, Singapore

    Business area / division
    Commercial Banking Asia

    Area of expertise / specialism
    Transaction Banking

    Biography
    Shiv Seerapu is the CEO for Lloyds Bank Corporate Markets in Asia since September 2018, with regional business responsibility for Commercial Banking in Asia. He has 23 years of experience in the Transaction Banking space in Asia and joined Lloyds Bank in August 2017 as the Head of Global Transaction Banking for Asia.

    Shiv holds a Bachelors in Engineering and an MBA.

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    Ritu Sehgal
    Managing Director, Payments & Liquidity Sales Financial Institutions

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    Financial Institutions, Payments & Liquidity, FI Coverage, Lending, Portfolio Management

    Biography
    Ritu leads Payments & Liquidity Sales within Global Transaction Banking with responsibility for managing and driving sales initiatives for Banks and Non-Bank Financial Institutions. The team focuses on originating opportunities to work with complex client set across diverse jurisdictions.

    Previous to joining GTB in 2018, Ritu was part of FI coverage team leading coverage with UK, Middle Eastern and Asian Banks.

    Ritu has over 17 years’ experience within the Corporate and Financial Institution sectors. Prior to joining Lloyds Bank in 2011, she held senior roles in various investment and corporate banking functions with ABN Amro and BNP Paribas in Europe and Asia.

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    Paul Shaw
    Network Manager

    Business area / division
    Commercialisation & Propositions, Global Transaction Banking

    Area of expertise / specialism
    Payments and Cash Management

    Biography
    Paul is currently responsible for managing the group's outward correspondent bank network covering International Payments, Trade Finance, and International Cash Management.

    Paul is an experienced Global Transaction Banking professional with over 12 years’ experience. Prior to working in the Network Management team, Paul worked in a variety of roles within the Global Banks Team at Lloyds Bank, eventually working as Relationship Manager covering relationships in Asia.

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

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    Chris Spedding
    Cameron Spiers
    Matthew Tait
    Edward Thurman
    Chris White

    Chris Spedding
    MD, Head of Financial Institutions Trade, Global Transaction Banking

    Business area / division
    Global Transaction Banking, Commercial Banking

    Area of expertise / specialism
    International Banking, Transaction Banking

    Biography
    With over 20 years of experience in the transaction banking and corporate client management fields, Chris heads Lloyds’ Financial Institutions Trade Sales teams in the Global Transaction Banking division.

    Chris has held a number of roles in the Commercial Banking division of Lloyds, most recently based in the International operations of Global Transaction Banking where he has been responsible for the North America and Asia GTB businesses. He has also held roles as chief of staff to the CEO, Commercial Banking, Head of Ring Fencing for Lloyds’ Markets division and has over a decade of experience in Corporate coverage roles at the Bank

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

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    Cameron Spiers
    Network Manager

    Business area / division
    Global Transaction Banking

    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
    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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    Chris White
    MD, Head of Global Banks, Financial Institutions

    Business area / division
    Financial Institutions, Commercial Banking

    Area of expertise / specialism
    Financial Institutions Debt Capital Markets

    Biography
    Christopher joined Lloyds Bank in August 2008 and was one of the first brought in to service Lloyds 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 did Mergers and Acquisitions at Serco. Christopher studied Business and Finance at Nottingham Business School.

    Christopher has significant experience in the structuring and execution of regulatory capital and funding for banks across jurisdictions, helping to build the Lloyds DCM franchise
    Christopher heads up the Banks team in Financial Institutions and is able to utilise his expertise across a multitude of products, GTB, Trade, FM and Capital markets to help service the clients more holistically in an ever changing market backdrop.

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    Johanna H K M Wissing
    Michael Zentz

    Johanna H K M Wissing
    Director, FI Trade Sales Asia

    Business area / division
    Lloyds Bank Corporate Markets Global Transaction Banking

    Area of expertise / specialism
    Trade finance, syndication, risk mitigation, portfolio management, structuring and pricing trade innovation, fintech, relationship management.

    Biography
    Johanna is a Director originating trade for banks, non-bank FIs and Sovereigns and specialises in FI and insurance relationship management, syndication, distribution, portfolio management, structuring, trade and export finance, trade innovation and fintech.

    Johanna is a member of ITFA Fintech Committee, member of ITFA Young Professionals groups.

    She is also master-level educated and multi-lingual.

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    Michael Zentz
    Director, Head of North American Banks Coverage

    Business area / division
    Financial Institutions and Financial Markets.

    Area of expertise / specialism
    Financial Institutions, North American Banks

    Biography
    Mike has over 15 years of experience in Financial Markets and Financial Institutions Banking, As Head of the North American coverage team, Mike oversees a team that caters to all banks in the North American region and coordinates service and new opportunities for their needs.

    Since joining over four years ago, Mike has helped to build and grow the GTB and FI aspects of Lloyds Bank’s interaction with the North American client base. He and his team are pleased to have continued a tradition of excellence in covering this sector and to have added new avenues for growth and partnership.
    Mike joined Lloyds Bank with a background in Capital Markets including 8 years at UBS FIG DCM. He holds an MBA from the Yale School of Management.

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    • Lloyds Bank at Sibos

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

      We look forward to welcoming you at SIBOS 2019 at the inaugural London conference. It comes at a time when we are all facing into an unprecedented period of change and opportunity.

      We have much to share with you around our multi-billion pound investment programme and our new capabilities in Cash Management & Payments and in Trade designed to meet the changing needs of regulation, technology and our clients.

      And this year we also have an extensive programme of activity planned on our stand as well as some great speakers across the week in the main programme.



      Come and join us on stand L104 to see how we are “Enabling the digital economy” and what this can mean for you, your clients, and their transaction banking needs.

      Key speaker highlights to look out for:

      Monday 23 September

      13:30 - 14:00 Plenary Room

      • António Horta-Osório, CEO Lloyds Banking Group, will talk about transforming through people in his a “View from the top” session

      15:15 - 16:00 Conference room 3

      • Andrea Melville, MD, Head of Commercialisation & Propositions, Global Transaction Banking, takes part in a panel on “APIs: The Connective tissue enabling platforms and creating thriving ecosystems”

      Tuesday 24 September

      11:00 - Spotlight Stage – Conference south

      • Dan Makoski, Chief Design Officer at Lloyds Banking Group on the role of human centred design in CX development.

      Thursday 26 September

      10:00 - 10:45 Conference room 4

      • Jennifer Tippin, Group Director People & Productivity, Lloyds Banking Group, will participate in a panel on “Re-skilling, an opportunity to increase diversity for the Fourth Industrial Revolution?”

      14:30 - 15:15 Conference Room 4

      • Torrin Stafford, Head of Data Privacy & Protection, Lloyds Banking Group, contributes to a panel on “Protecting privacy and instilling trust in a millennial world”

      On stand activity:

      Monday 23 September

      16:00 - 17:30

      • Drinks reception

      Tuesday 24 September

      13:00

      • Dan Makoski, Chief Design Officer at Lloyds Banking Group, and Merisa Lee Gimpel, Head of Trade Innovation & Redesign, will showcase how human centred design has featured in how we collaborate with clients in trade.

      Wednesday 25 September

      14:30 – 16:00

      • Afternoon tea served

      Thursday 26 September

      8:00 - 10:00

      • Breakfast

      Through-out the day

      • Sam Riordan, Head of Innovation and Partnerships in Global Transaction Banking, will run a session on Partnership and Innovation.

      We will also be running interactive sessions offering demonstrations of our new Cash Management & Payments platform and developments in our trade finance capability.

    • Delegate profiles

      Our experts at Sibos. Find out more

      Lloyds Bank delegates

      Ed Aldorino
      Samuel Amoako
      Stuart Bailey
      Robina Barker Bennett
      Otto Benz
      Katherine Charters
      Loukas Dasargiris
      Steve Everett
      Alexis Formosa
      Shreeya Ghadia
      Merisa Lee Gimpel
      Gary King
      Frederik Lim
      Lin Liu
      Nathan Martin
      Gwynne Master
      Oonagh McGrane
      Gavin McLean
      Andrea Melville
      Stef Merckx
      Mandeep Nijjar
      Bhavna Saraf
      Shiv Seerapu
      Ritu Sehgal
      Paul Shaw
      Chris Spedding
      Cameron Spiers
      Matthew Tait
      Edward Thurman
      Christopher White
      Johanna H K M Wissing
      Michael Zentz

      Elizabeth Adams
      Job title

      Business area / division
      Business area / division

      Area of expertise / specialism
      Area of expertise / specialism

      Biography
      Biography

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      Ed Aldorino
      Managing Director, Global Transaction Banking, Asia Pacific

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Trade Finance and Supply Chain.

      Biography
      Ed has regional responsibility for the GTB business in Asia Pacific. Including building a local franchise and originating Asian trade and payment flows into the UK.

      He has 15 years corporate banking experience across GTB and Relationship Coverage, he has been based in Singapore since 2015.

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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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      Katherine Charters

      Director, Payments

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      International Transaction Banking, Financial Institutions

      Biography
      With more than 15 years’ experience in payments and cash management, Katherine manages the European Banks portfolio, providing a range of solutions to meet the needs of this diverse sector.

      Prior to joining Lloyds Bank in 2011, Katherine completed a Graduate Programme at Royal Bank of Scotland, before moving into their transaction banking division, and spent 5 years in Financial Institutions at BMO Capital Markets.

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      Loukas Dasargiris
      Head of EMEA and Latin America, FI Trade Sales

      Business area / division
      Global Transaction Banking, Commercial Banking

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

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

      Loukas joined Lloyds Bank in 2017 and he has over 29 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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      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 15 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 Director

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Financial Institutions coverage across Asia, Middle East, UK and Europe.

      Biography
      Alexis is responsible for the Middle East Banks portfolio. His main focus is on identifying and originating new business opportunities with banks across the full Lloyds Bank product suite, delivering relationship growth and strategy setting.

      Alexis has been part of the FI Banks team since 2015 where he has also covered Asian Banks and prior to this was part of the Lloyds Bank Graduate Scheme.

      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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      Merisa Lee Gimpel
      Director, Head of Trade Innovation

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Trade, Working Capital, Payments, Innovation, Partnerships, Customer Journey

      Biography
      Merisa has been responsible for Trade Innovation at Lloyds Bank since December 2018.

      Merisa has 13 years of experience in the transaction banking space, with particular focus on product development and improving customer journeys in both trade finance and cash management.

      Prior to joining Lloyds Bank, Merisa was with Citi where her last role was Product Head of Supply Chain Finance for the Europe, Middle East and Africa (EMEA) region.

      Merisa holds a Certificate in International Treasury Management (CertITM) and Certificate in International Cash Management (CertICM) from the Association of Corporate Treasurers (ACT), as well as a BSc. (First Class Honours) in Economics from the London School of Economics.

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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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      Frederik Lim
      Associate Director, Financial Institutions Asia

      Business area / division
      Financial Institutions, Commercial Banking

      Biography
      Frederik has over 10 years of experience for financial institutions clients in Asia. Prior to joining Lloyds Bank, Frederik was Regional Manager at OCBC covering financial institutions in Asia.

      Frederik holds a B. Accountancy (Hons) from Nanyang Technological University together with a double specialisation in Banking & Finance.

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      Lin Liu
      Director, Financial Institutions, Asia Pacific

      Business area / division
      Financial Institutions, Asia Pacific

      Area of expertise / specialism
      Global Banks, Financial Institutions

      Biography
      Lin works as a Director on the FI Asia team, managing the commercial bank relationships and selective NBFIs in the region. Prior to her transfer to Singapore in 2015, Lin worked on the North America team in Global Banks. During which time, she also did a 5 month secondment to Lloyds’ New York office. Lin started with Lloyds Bank in Edinburgh at the end of 2010, working in the Real Estate team and responsible for developing and implementing debt recovery strategy for the distressed assets, within the Housebuilders’ portfolio.

      Lin is a trained chartered accountant having started her professional career at Ernst & Young, undertaking external audit engagements across large PLCs. Lin is fluent in English, Mandarin and Cantonese.

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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.

      x

      Oonagh McGrane
      Director Proposition Development

      Business area / division
      Global Transaction Banking, Commercial Banking

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

      Biography
      Oonagh is responsible for the development of the Global Transaction Banking Payments & Liquidity proposition we offer to Clients as well as ensuring we have the coverage we need to service the international Global Transaction Banking Payments & Trade 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 Account Management

      Oonagh holds a B.A. (Hons) Degree in Applied Languages from Dublin City University and is a certified Professional Scrum Master.

      x

      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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      Andrea Melville
      Managing Director of Commercialisation and Propositions

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Global Transaction Banking product propositions and pricing.

      Biography
      Andrea is responsible developing propositions, strategic partnerships, and pricing across the Transaction Banking product suite, which involves a number of strategic initiatives covering APIs, data, and blockchain. She is also responsible for balance sheet optimisation within Transaction Banking.

      Andrea joined Lloyds Banking Group in 2006. During her time with the Group she has worked in a variety of Commercial and Strategic roles, including Open Banking Director for the Retail Bank where she was responsible for the strategic response to Open Banking, and developing our propositions and business models to take advantage of this exciting industry change.

      x

      Stef Merckx
      Managing Director, Head of EMEA FI

      Business area / division
      Financial Institutions, Commercial Banking

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

      Biography
      Stef is the Senior Banker in Financial Institutions responsible for the relationship management team in Europe and the Middle East. Stef covers the bank’s clients in The Netherlands, while managing a team which covers clients across Europe and the Middle East & Africa.

      Prior to joining Lloyds Bank early 2014, Stef worked at RBS and ABN AMRO in a number of management and coverage roles in Financial Institutions, Public Sector and Corporates in the Netherlands and internationally, with a focus on investment banking products ranging from M&A to Debt Capital markets.

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      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.

      x

      Bhavna Saraf
      Head of Trade and Supply Chain Finance Products

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Global Transaction Banking, Corporate Bank, Trade Finance, Risk

      Biography
      Bhavna is Head of Trade and Supply Chain Finance Products and leads the team that drives the development of a suite of trade products that meet client’s international, domestic and working capital needs.

      She is a seasoned banker with experience in Corporate and Transactional Banking, having done various leadership roles in P&L management, Product, Sales, Structuring large episodic transactions to developing in-organic external partnerships. She has worked with companies across Corporate and Public Sector. She has been a Senior Business Credit Officer.

      She was Founder of a start-up, which she progressed to Seed 3 Funding.

      She started her banking career under HSBC’s Graduate program and moved to Rabobank, prior to joining Citi where she had her previous tenure.

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      Shiv Seerapu
      CEO Asia Pacific & Country Manager, Singapore

      Business area / division
      Commercial Banking Asia

      Area of expertise / specialism
      Transaction Banking

      Biography
      Shiv Seerapu is the CEO for Lloyds Bank Corporate Markets in Asia since September 2018, with regional business responsibility for Commercial Banking in Asia. He has 23 years of experience in the Transaction Banking space in Asia and joined Lloyds Bank in August 2017 as the Head of Global Transaction Banking for Asia.

      Shiv holds a Bachelors in Engineering and an MBA.

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      Ritu Sehgal
      Managing Director, Payments & Liquidity Sales Financial Institutions

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      Financial Institutions, Payments & Liquidity, FI Coverage, Lending, Portfolio Management

      Biography
      Ritu leads Payments & Liquidity Sales within Global Transaction Banking with responsibility for managing and driving sales initiatives for Banks and Non-Bank Financial Institutions. The team focuses on originating opportunities to work with complex client set across diverse jurisdictions.

      Previous to joining GTB in 2018, Ritu was part of FI coverage team leading coverage with UK, Middle Eastern and Asian Banks.

      Ritu has over 17 years’ experience within the Corporate and Financial Institution sectors. Prior to joining Lloyds Bank in 2011, she held senior roles in various investment and corporate banking functions with ABN Amro and BNP Paribas in Europe and Asia.

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      Paul Shaw
      Network Manager

      Business area / division
      Commercialisation & Propositions, Global Transaction Banking

      Area of expertise / specialism
      Payments and Cash Management

      Biography
      Paul is currently responsible for managing the group's outward correspondent bank network covering International Payments, Trade Finance, and International Cash Management.

      Paul is an experienced Global Transaction Banking professional with over 12 years’ experience. Prior to working in the Network Management team, Paul worked in a variety of roles within the Global Banks Team at Lloyds Bank, eventually working as Relationship Manager covering relationships in Asia.

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

      x

      Chris Spedding
      MD, Head of Financial Institutions Trade, Global Transaction Banking

      Business area / division
      Global Transaction Banking, Commercial Banking

      Area of expertise / specialism
      International Banking, Transaction Banking

      Biography
      With over 20 years of experience in the transaction banking and corporate client management fields, Chris heads Lloyds’ Financial Institutions Trade Sales teams in the Global Transaction Banking division.

      Chris has held a number of roles in the Commercial Banking division of Lloyds, most recently based in the International operations of Global Transaction Banking where he has been responsible for the North America and Asia GTB businesses. He has also held roles as chief of staff to the CEO, Commercial Banking, Head of Ring Fencing for Lloyds’ Markets division and has over a decade of experience in Corporate coverage roles at the Bank

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

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      Cameron Spiers
      Network Manager

      Business area / division
      Global Transaction Banking

      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.

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      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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      Chris White
      MD, Head of Global Banks, Financial Institutions

      Business area / division
      Financial Institutions, Commercial Banking

      Area of expertise / specialism
      Financial Institutions Debt Capital Markets

      Biography
      Christopher joined Lloyds Bank in August 2008 and was one of the first brought in to service Lloyds 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 did Mergers and Acquisitions at Serco. Christopher studied Business and Finance at Nottingham Business School.

      Christopher has significant experience in the structuring and execution of regulatory capital and funding for banks across jurisdictions, helping to build the Lloyds DCM franchise
      Christopher heads up the Banks team in Financial Institutions and is able to utilise his expertise across a multitude of products, GTB, Trade, FM and Capital markets to help service the clients more holistically in an ever changing market backdrop.

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      Johanna H K M Wissing
      Director, FI Trade Sales Asia

      Business area / division
      Lloyds Bank Corporate Markets Global Transaction Banking

      Area of expertise / specialism
      Trade finance, syndication, risk mitigation, portfolio management, structuring and pricing trade innovation, fintech, relationship management.

      Biography
      Johanna is a Director originating trade for banks, non-bank FIs and Sovereigns and specialises in FI and insurance relationship management, syndication, distribution, portfolio management, structuring, trade and export finance, trade innovation and fintech.

      Johanna is a member of ITFA Fintech Committee, member of ITFA Young Professionals groups.

      She is also master-level educated and multi-lingual.

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      Michael Zentz
      Director, Head of North American Banks Coverage

      Business area / division
      Financial Institutions and Financial Markets.

      Area of expertise / specialism
      Financial Institutions, North American Banks

      Biography
      Mike has over 15 years of experience in Financial Markets and Financial Institutions Banking, As Head of the North American coverage team, Mike oversees a team that caters to all banks in the North American region and coordinates service and new opportunities for their needs.

      Since joining over four years ago, Mike has helped to build and grow the GTB and FI aspects of Lloyds Bank’s interaction with the North American client base. He and his team are pleased to have continued a tradition of excellence in covering this sector and to have added new avenues for growth and partnership.
      Mike joined Lloyds Bank with a background in Capital Markets including 8 years at UBS FIG DCM. He holds an MBA from the Yale School of Management.

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