15 years inside the engine room of digital payments.

I have spent the last fifteen years in digital payments — through every role from analyst to Head of Payments — and along the way found my actual passion: aligning payment systems with business goals while keeping risk, fraud, and regulation under tight control.

I work end-to-end. That means anti-fraud, KYC, AML, PCI-DSS, and GDPR are not other people's problems; they shape every recommendation I make. It also means I have learned, the hard way, that the user has to come first. The best compliance posture in the world is worthless if good customers can't pay.

A program I'm proud of

At a previous company I led a payments program that lifted approval rates by 15 percentage points while reducing processing fees by 2%. Numbers aside, what I remember most is what it took: listening to merchants, segmenting the data ten different ways, and a team willing to challenge the things "everybody knew." We also grew the payments team from 6 to 25 people, and watching that group take ownership was more rewarding than the metrics themselves.

What I do now

As an independent strategic advisor I work with fintechs and digital businesses on payment orchestration, PSP selection and introductions, and the risk and KYC tooling that sits around them. The engagements are usually short, focused, and measurable — diagnostics, RFP support, optimisation programs, fractional advisory.

If your payment stack feels like a black box, or if you suspect there is meaningful approval or margin left on the table, that is exactly the place I like to start.