Meet the team
Monique Melis
Chairperson of the Board & Non-Executive Director

Monique Melis has over 30 years of global experience in governance, culture, and regulatory compliance across Executive and Non-Executive roles. She has advised firms and regulators on regulatory projects, leading multi-jurisdictional teams across the UK, Europe, Asia, the Americas, the Channel Islands, and the Caribbean.

Mark Carawan
Independent Non-Executive Director & Chair of the Audit Committee

With an impressive background in financial services during his long career, Mark brings with him a wealth of global experience in governance, internal audit, risk management and regulatory compliance and ethics, and conduct.

Simon Walker
Non-Executive Director & Chief of the Board Risk Committee

Simon Walker is a Chartered Accountant with over 40 years of experience in financial services, specialising in governance and risk management. He spent 30 years as a partner at KPMG and has chaired multiple committees, including serving as Chair of H&T Group PLC and Chair of Risk at OSB Group plc the FTSE 250 bank.

Alfred Moeckli
Non-Executive Member of the Board

Alfred W. Moeckli has over 45 years experience in banking. As a generalist he has been exposed to Investment Banking, Tech Banking, Retail Banking and Private Banking. He served in the roles of either CEO or Chairman of the Board for banks in Switzerland, Liechtenstein, Luxembourg, Singapore, Hong Kong and BVI. He was one of the co-founders of Swissquote and most recently Group CEO of publicly listed VP Bank Ltd.

Tony Bullman
Chief Financial Officer & Acting Chief Executive Officer*

CEO with almost 40 years experience in financial services across a number of European Banks including ABN AMRO, Deutsche Bank, Credit Suisse and UBS. Most recently the CFO of the Non Core and Legacy Division of UBS. Chartered Accountant and Fellow of the Association of Corporate Treasurers. Tony has a keen interest in the FinTech sector having recently completed an MSc in Data Science and Financial Technology.

*Subject to regulatory approval.

Tom Howie
General Manager & Executive Director

With over 30 years experience, Tom has a strong history of instigating, and leading, corporate transformation agendas while implementing new organisational capabilities, cultural change initiatives and operational turn-around. Tom joined us from HSBC and previously worked at Standard Chartered Bank and BT, holding senior operations and functional COO roles. Tom has a Masters degree from Oxford University and is an Allumni of the Advanced Management Programme at Harvard Business School.

Josh Cogan
Chief Commercial Officer*

Josh is a seasoned GTM leader with over a decade’s experience across banking, consulting and fintech. Previous leadership roles held at Finastra and Synpulse Management Consulting, as well as roles at Accenture, J.P. Morgan, and Sumitomo Mitsui Banking Corporation in London and New York.

*Subject to regulatory approval.

Guy Thomas
Chief Operating Officer

Guy has over 30 years’ experience in operations and banking, holding senior leadership roles at Goldman Sachs, HSBC, and CBA across global markets. He has led the establishment of large-scale operations hubs, driving operational and cultural transformation. Guy’s expertise spans tech-enabled change, regulatory remediation, onboarding and KYC centralisation, and process and product platform development.

Sean Titley
Chief Risk Officer*

Sean has over 30 years of experience as a senior leader in risk management across a range of banks, including NatWest and Metro Bank and has previously worked in retail banking, asset finance, wholesale capital markets and corporate finance. He is responsible for enabling us to grow safely and sustainably, promoting a strong and inclusive risk culture which is designed to be understood and embraced by all of our colleagues.

*Subject to regulatory approval.

Charlotte Bullock
Chief Product Officer

Charlotte has over a decade of experience in product leadership, commercial strategy, and technology transformation across financial services, holding senior roles at SAP and Aon. Her expertise spans SaaS platform development, product innovation, and partnering with financial institutions to deliver solutions that create value for customers in an evolving industry landscape.

John Davison
Chief Compliance Officer*

John has over 30 years' Financial Services experience in Banking, as a regulator and as a regulatory and risk management consultant. John has led Compliance and risk functions for global institutions including Lloyds Banking Group and RBS and has acted as a Skilled Person, advising Boards on their Governance, systems and controls. John has deep experience of UK and international regulation having worked in the UK, US and Australia.

*Subject to regulatory approval.

Phil Knight
Group Chief Technology and Security Officer

Phil has over 25 years of experience as a business and technology senior leader across banking, fintech and consultancy, specialising in security, infrastructure, product management, agile software delivery practices and solution architecture and design.

Vincent François
Chief Audit Officer

Vincent brings a strong record of over 20 years in credit risk and audit roles, most recently holding the position of Regional Group Chief Audit Executive at Société Générale where he led the audit function across all Group businesses.

Sarah Baker
Chief Marketing Officer

Sarah has over 15 years' experience in marketing and media holding roles at Havas, WPP and Publicis. She has led marketing strategies for clients ranging from FMCG and utilities to financial services and technology. Shortlisted as a finalist for Campaign's Inspiring Women 2025 Sarah is a passionate advocate for diversity, equity, and inclusion in the marketing and finance industries.

Alan Schweber
Bank General Counsel

Alan has extensive experience in financial services law and fintech entrepreneurship, including founding a fintech company solving APP fraud and escrow payments for law firms and financial institutions. Previous roles include advising private equity firms at Kirkland & Ellis on large scale banking and debt finance transactions.

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