Experience
Twenty-five years where commercial, product and regulation meet.
I am a payments and risk executive who has owned payments, fraud, operations and compliance at group level for four stock-exchange-listed online businesses, served as chief product officer at a licensed operator, and since 2019 advised more than 115 payments, fintech and high-volume online businesses with combined volumes above €5 billion a year. British and South African, based in southern Spain, working wherever the client is.
How I work
On your systems, with your data, for your people.
I work inside the client's own systems and data to improve them, rather than selling a replacement. The client keeps full ownership of its data, its supplier relationships and the tools I build. I negotiate acquirer and processor economics, own platform roadmaps, run multi-jurisdiction compliance, and build the teams that keep delivering after I leave.
Client and employer names are not published on this site. Every engagement is confidential by default. References are available in conversation.
At a glance
- Based in
- Spain. Remote or on site across Europe and beyond
- Experience
- 25+ years in payments, risk, operations and product; 1998 to today
- Since 2019
- 115+ clients, 150+ engagements, €5bn+ combined annual volume
- Board
- Non-executive director, EU-licensed crypto exchange, 2019 to 2025
- Available for
- Fractional and interim executive roles, board seats, project mandates
- Independent
- No PSP, acquirer or vendor affiliation. No referral fees
- Languages
- English, Afrikaans, Dutch
Career
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2019 to present
Independent Payments & Risk Adviser, Interim Executive
Own practice, serving payments, fintech and high-volume online businesses worldwide
Interim and acting Head of Payments and Head of Payment Product roles; author of payment strategies for growth; product and operations reviews; AI-assisted analytics tooling for real-time monitoring and reporting; coaching and recruitment of payments and risk teams. Clients range from venture-backed start-ups to unicorns and listed groups. Typical outcomes: 10 to 15% lower processing cost within a month and 10 to 15% higher acceptance across markets.
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2019 to 2025
Non-Executive Director
EU-licensed crypto exchange
Board-level counsel on payments and risk strategy, regulatory compliance and operational risk. Independent challenge to management on payment economics, supplier exposure and control design.
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2017 to 2018
Chief Product Officer
Private, Malta-licensed online gaming operator
Executive accountable for the product portfolio and for all payments and risk matters across the group. Owned in-house product development from roadmap to release and every payment processor relationship from identification and due diligence to contract, integration and launch.
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2014 to 2017
Group Head of Payments & Risk
London-listed online gaming and sports-betting group, FTSE 100
Group owner of payment and risk strategy across 20+ brands and five platforms. Designed and managed development of a new group payment platform and all payments and risk migrations. Owned every risk platform, fraud process and compliance requirement across nine licensing jurisdictions, for both sector and AML regulation. Owned 180+ processor relationships. Led the risk and payments teams, at their largest 160 agents across nine countries, and ran payments and risk due diligence on acquisitions.
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2009 to 2014
Head of Payments & Risk
Nasdaq Stockholm-listed online gaming group, 20+ brands across regulated European markets
Sole product owner of the group risk and payment platform. Led the Malta payments and risk operation and a 50-strong development centre in Ukraine. Owner of PCI DSS. Moved the group from one-site-one-platform stacks to a single payments-as-a-service platform, cutting infrastructure overhead by 60% and migrating three acquired brands in nine months. Built the acceptance-rate programme that added €8m a year in revenue at no extra cost. Renegotiated all processing agreements onto Interchange++ with multi-acquirer redundancy, saving more than €4m a year. Held chargebacks under 0.5%, cut payout time by 80% and cut promotional abuse cost by 30% through device fingerprinting. Managed regulatory compliance with licensing authorities in three countries and acted as local contact for police organisations across Europe.
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1998 to 2009
Senior payments and risk roles
Private and publicly listed e-commerce, financial services and technology companies
The operational and risk-management foundation for everything above. Details and references available on request.
Core competencies
What I am hired for.
Commercial
Payments strategy and commercials; acquirer, PSP and banking negotiation; pricing; supplier mix and redundancy; settlement and reserve tracking.
Product
Payment and risk platform ownership; roadmap and Agile delivery; integrations and migrations; KYC and document management; reporting and AI-assisted analytics.
Risk and compliance
Fraud and transaction risk; chargeback and dispute management; device fingerprinting; PCI DSS; AML, PSD2 and data protection; multi-licence regulation.
Leadership and operations
Interim C-level and head-of roles; payments and risk operations teams of up to 160 agents across nine countries; building and restructuring teams; distributed operations, product and development teams; coaching and mentoring; board advisory.
Corporate
New-market entry; M&A due diligence; post-acquisition platform migration; regulator, scheme and auditor liaison; executive education.
Sectors
Online gaming and betting, trading and forex, e-commerce and marketplaces, subscriptions, travel, crypto and digital assets, PSPs, gateways and acquirers.
Want the full CV or a reference?
Both are available in conversation. Book a call or send a note.