Richard Armstrong

Supporting Mambu's clients on all aspects of their payment integration requirements. Close alignment between Mambu's Payment related Product Teams, Solutions Architects, Mambu Sales and Mambu's strategic payment partners to inform future direction of payment integration strategy.

Program Management of the Bank's payment integration developments. Confirmation of Payee deployment and the wider Open Banking delivery model/strategy in regards to PSD2 compliance (ASPAP model).

Delivery Project Manager Lead for Payment Integration Projects. Key Projects including UK payment scheme integrations with Bank's new banking platform eco-system.

Invited by Mastercard Global Head of ACH Product, to perform 20 day review of a new payment method Mastercard had already commenced and were along way through the development phase. Inserted into the UK based Design and Development team, conducted a series of reviews with the key Subject Matter Experts, which culminated in the production of a Architecture Assurance Review Document that was distributed and reviewed by Senior Mastercard Global Product Leads. Mastercard requested a further 2 months of consultancy to lead the associated Disputes Management Workstream that involved a “Deeper Dive” into the processes and solutions required in the deployment and integration of a Payment Dispute Management process for the new Payment method.

Invited by Atom Bank to return to the organization to deliver Atom Bank into Faster Payment Membership in 7 months. Initially supported the Head of Payments in the production of the associated business case, that was signed off by the Atom Board. Mobilised a multi-faceted delivery programme, that cut across Technology and Business Operational change Programme Managed multiple 3rd Party Service Providers including, FIS, Bottomline Technologies, Faster Payment Scheme Limited, Vocalink and the Bank of England Atom became a member of FPS Limited on the 1st December within 7 months of the project being mobilized and delivered within the budget allocated to the project.

Project Managed the design, construction and deployment of a web based questionnaire for the Global Heads of HBSC’s Anti-Bribery and Corruption Teams to complete, and be assessed upon as an annual assurance process. Project Managed a small team of Subject Matter Experts in the design, build and test of the web placed platform, and the implementation of a globally reaching process including a full communication strategy to ensure all of the HBSC Anti – Bribery Regional Heads and their associated management teams completed the online questionnaires on time and correctly.

Recruited as number 12 in the formation of a new UK Challenger Bank which is now at 350 FTE. Working directly for the CTO, responsibility for ensuring all of the “Payment Rails” required of a Retail Bank are deployed. Starting from the position of nothing, design and build the payment mechanisms required to move payments in and out of associated retail banking products. Responsible for the deployment of FPS, CHAPS, SWIFT, BACS, Debit Card, Credit Card, and the associated supporting payment messaging services, including Current Account Switching Service, Cash Isa Transfer Service, PayM. Responsible for establishing the required level of Scheme and Payment Service membership (Participant where appropriate) Responsible for establishing the supporting project management team and disciplines required to manage all phases of the delivery Programme Managing the deployment of all the payment workstreams referenced above, including the co-ordination of the multitude of 3rd party payment providers involved in the end to end architecture. A key influencer in deciding the future payment strategy for the bank

Asked to join the PayM Programme Team in the design and implementation of the UK’s newest mobile payments proposition Specific responsibility for the production of the PayM’s “Scheme” wide Operating Procedures, working closely with all member “Participants”, and VocaLink to ensure the mutual acceptance of the central procedures Also responsible for the design and production of the “MPSCo” Operating Procedures, so that the Central Operation had all procedures and training in place prior to the launch of the new PayM Service. Responsible for the design, production and execution of an Operational Test Approach, facilitating a joint Operational Testing activity for all 9 initial launch Participants, the Central Operational Team and VocaLink’s PayM Service Desk Asked to extend the initial contract period, working directly for the PayM Head of Operations and Governance, to provide additional operational support to the Business as Usual Team during the post launch warranty period.

Working directly with Barclays Retail Proposition Team to identify the proposition options, solution selection, proposition documentation. Business Requirements – Facilitate workshops across the full spectrum of Barclays Stakeholder community, capturing both high level and detailed level functional and non functional business requirements Production of High Level and Detailed Operational Design documents, showing the full lifecycle of the Visa Mobile Contactless proposition Facilitate stakeholder workshops re the setting of Mobile Contactless EMV parameters Consultation with the Barclays IT and UAT testing communities to ensure coverage of the technical and business testing had been considered as part of the test planning Active participation in the end to end testing execution acting as the go to subject matter expert for product or process associated queries

Responsible for the design and deployment of a new operating model for a new financial services product for the O2 Money business unit Working in a consultancy capacity with O2’s chosen 3rd party vendors, assisting in the design, build and testing of all payment interfaces consisting of faster payment/BACS, EPAY/PAYPOINT cash payments, online merchant facilities, extending through to the full reconciliation and associated exceptions processes Specifically responsible for the inception of a prepaid customer service operation, consisting of a 70 FTE strong contact centre, issuer chargeback’s, Fraud Management, Collections, and a full financial reconciliation and card scheme settlement set of business processes. Again working with a number of nominated set of 3rd party service providers to ensure these processes were in place, resourced appropriately and tested in readiness for the launch of the O2 Money product, (3rd parties included, FIS, Steria, Wavecrest, EPAY, PAYPOINT, Barclaycard Payment Acceptance, Visa, RBS). Working again in a consultancy capacity, asked to assist in trouble shooting problems encountered at all phases of the test strategy, from unit testing, system testing and UAT.

I was asked to join the Barclaycard Finance Division in a financial integrity process improvement initiative to help identify and resolve a known financial exposure risk associated to inappropriate/missing operational processes/controls As part of small team of SME’s, I was responsible for creating a terms of reference which was shared and agreed to the scope of the process review – signed off at the Barclaycard Exec level As part of the small team, we performed an internal review of all monetary movements associated to the targeted problem product, where each process was documented in the “to be”, identifying the key areas of concern, producing a list of recommendations that ranged from small process changes, to wholesale software developments As part of the process documentation produced, the Barclaycard Management team adopted the use of the format as their standard for documenting all of their other financial processes as the SOX standard Asked to assist in the project management of the changes recommended, however by then I was asked to join another part of Barclaycard on a new product venture which I accepted and the management team were accepting of.