FST Live










Keith Appleyard - Credit Card Industry Consultant, OECD

Keith has over 30 years of experience in information technology, 25 of these with American Express including formerly running their European Data Centre Operations. He is also involved with governmental and non-governmental bodies, including the OECD's Business and Industry Advisory Committee, also representing the interests of all Credit Cards, including Visa and MasterCard.

Simon Barrows - Business Unit Architect - Savings, Investment & Protection + Joint Ventures at Lloyds Banking Group

Simon Barrows is currently a Business Unit Architect for Lloyds Banking Group. Working closely with several CIOs, their teams and business stakeholders, Simon is accountable for technology strategy, innovation and architecture delivery across several areas of the bank's UK Retail Banking business. Prior to joining Lloyds in 2007, Simon worked in IT and management consultancy for 10 years, most recently with PA Consulting Group in their IT Strategy practice, and before that at Detica. In that time he carried out assignments for a dozen or so clients ranging from the MoD to Barclays to New Look, in a variety of roles, including setting up Strategy and Architecture functions at British Gas and the Rural Payments Agency. Before that, Simon attained a degree and PhD in Aeronautics and Astronautics at the University of Southampton and can claim to have three publications in the (US) Journal of Spacecraft and Rockets among his works.

Steve Briggs - representative for corporate users at the National Audit Office (NAO)

Steve is Head of Strategic Partnerships at the Co-operative Financial Services where he is responsible for managing the overall relationship with several key suppliers, such as IBM, BT, Steria SCC and HSBC.
When he joined CFS in 2007 he was Head of Management and Control in where he is responsible for supplier strategy and management in the project delivery function as well as, finance, performance measurement, demand management, risk, process management & QA as well as a Project Office.
Prior to CFS Steve worked for Barclay’s, where he spent four and a half years. In that time he managed the relationship between the CIO and the international and wealth businesses. Latterly he was responsible for managing the strategic relationship with Steria and was heavily involved in the renegotiation of the Barclay’s Xansa outsource.
Prior to Barclay’s Steve Xansa and Scottish Hydro-Electric in Edinburgh and Perth.

Maurica Cassells-Nunn - Assistant Director, Corporate Finance Insurance Practice at Deloitte LLP

Maurica Cassells-Nunn is an Assistant Director in the Corporate Finance Insurance Practice at Deloitte LLP. Leading Deloitte’s Corporate & Captive Insurance Advisory service line, Maurica regularly advises clients on risk management and insurance issues. She has worked with a number of organisations in the banking, payment processing and insurance sectors, providing advice and input from both a strategic and implementation perspective.
Maurica has an MSc in Risk Management, an Honours Degree in European Business Law and is a Fellow of the Institute of Risk Management.
Prior to joining Deloitte, Maurica provided risk management and insurance advice to the executive board of a global Fortune 500 company.

Managing Director of Bacs Payment Schemes Limited (Bacs)
Interim Managing Director of CHAPS Clearing Company (CHAPS)

Michael Chambers is an authority on automated payments and the banking industry. As Managing Director of Bacs he has led unparalleled developments in enhancing the brand’s reputation, and increasing volume figures for both the Direct Debit and Direct Credit payment schemes. Since his appointment in 2003, Michael had driven growth to achieve over 5.6 billion UK payments being made through the Bacs’ systems, equating to approximately £3.85 trillion.
In February 2010 Michael was also appointed Interim Managing Director of CHAPS alongside his existing position at Bacs. This new role will see Michael contributing to a broader strategic review of CHAPS, and ensuring the continued development of the company and its CHAPS Sterling and Faster Payments products.
Under Michael’s leadership Bacs has witnessed a number of successful operational changes including, in 2003: the separation of the business into two completely separate entities, Voca (now VocaLink) and Bacs Payment Schemes Limited (BACS), as well as the introduction of Bacstel-IP, an innovative payment infrastructure giving UK corporates secure online access to Bacs payment services.
Previously, Michael held a number of strategic positions at Barclays Bank, including head of electronic solutions delivery, senior solutions delivery manager and head of funds control. He then spent three decades in the bank’s money transfer unit to become the group’s payment products unit in 2002 with responsibility for a portfolio income in excess of £200 million.
As part of this role he delivered significant changes to processes and product propositions, led key strategic committees and steering groups for payments infrastructures and formulated the bank’s strategy on new payment mechanisms.
Michael has also held key roles at leading industry bodies including: Chairman of Bacs’ Scheme Management Committee; Director of CHAPS Clearing Company; Shareholder Representative of the European Banking Association and a Member of the European Payments Councils’ Business Requirements Working Group.


Ian Cohen - CIO, JLT Group plc

Ian is currently CIO at Jardine Lloyd Thompson (JLT) Group; a global leader in risk, insurance and employee benefits solutions, and one of the largest companies of its type in the world. He joined them in 2009 from Associated Newspapers Ltd where he was also CIO and a Group Executive Director having previously spent a five years with the Financial Times, initially as the CTO of and latterly as their Global IT Director and a member of their main board. Ian had also held a variety of leadership roles at Lloyds TSB Group plc before his move to the FT. Currently driving a transformational change agenda at that encompasses everything from corporate governance to second generation IT infrastructure outsourcing, Ian is a true 'hybrid CIO'. His experience spans IT and business leadership roles in the media, technology and financial services industries and his role at JLT marks a return to the financial services sector after a ten year absence. An active blogger and tweeter, Ian also holds a number of industry advisory positions.

Mark Evans - Publishing Director, Perspective Publishing

Tim Holman - President, ISSA-UK and CTO, Blackfoot UK

Tim is one of the best known security experts in Europe. He is President of the ISSA-UK Chapter and co-founder of Blackfoot, an Information Security Consultancy that specialises in regulatory compliance, training and security awareness. He can share a wide range of experiences from a career spanning over 15 years. His past key roles include Security Consultant at Dimension Data and Top Layer Networks, Product Manager at One-SEC/Trustwave.

Neira Jones - Head of Payment Security, Barclaycard

As head of Payment Security at Barclaycard, Neira Jones is responsible for ensuring that the transactions processed by Barclaycard’s 100,000 business customers worldwide are safe, secure and comply with industry standards and that they understand the importance of information security. Neira has over twenty years' experience in financial services, working for among the best known and respected names in the banking sector. Her knowledge of the finance industry and her skill in change and transformational management have been instrumental in the launch of products and services including mortgages, credit and debit cards, insurance and business banking.

Andy Lees - Head of Capgemini Financial Services UK and Ireland

As Head of Capgemini Financial Services UK and Ireland, Andy Lees leads an experienced team of consulting, IT and outsourcing professionals solely dedicated to the financial services sector. His team’s experience covers all areas of the market including banking, insurance and regulatory compliance. Andy’s primary focus is on applying Capgemini’s proven global delivery model, deep domain expertise, transformational capabilities and multinational experience to a UK financial services industry seeking radical change in the wake of a period of exceptional turbulence.
Andy joined Capgemini from Atos Consulting in September 2010 where he gained deep financial services sector experience as head of UK private sector – a role in which his responsibilities spanned consulting, business development and practice management. He has holds an MBA from the ENPC in Paris and is a Fellow of the British Computer Society.

Ramzi Musallam - Consultant, Greatpark Consulting

Ramzi is an information risk management consultant with over 20 years of experience within the financial services industry. His roles have covered work in investment banking, asset management, commercial and retail banking and he has also spent time at a securities and asset servicing firm that provided comprehensive middle and back office outsourcing for a variety of FS clients. In recent years In recent years he has held senior positions in technology audit management, setting up and developing a technology audit function in a large global Bank with responsibility for audit coverage in the UK, Europe, Middle East, Africa and AsiaPac.

Sarb Sembhi - ISACA London Chapter (Immediate Past-President)

Sarb is a Principal Security Consultant with “Incoming Thought” covering four distinct areas of security: Secure System Development (Secure by Design); Converged Security Risk Management; Data Governance, and; Protecting the Individuals responsible for protecting your Critical Business Assets. Sarb is a regular speaker at Information Security Conferences around the world, including CxO Summits, Gartner Summits, InfoSec Europe, RSA Europe, HITB, BCS, ISACA, IIPSec, IT Directors’ Forum. Sarb is also the immediate past President of ISACA (London Chapter), Chair of the Security Advisory Group, Chair of the ISACA Region 3 Government and Regulatory Agencies Sub-committee, member of the ISACA International Professional Influence and Advisory Committee, a member of ISSA Advisory Board, Eurim, Infosecurity Magazine Editorial Board, Infosecurity Advisory Council 2009, and an individual member of the Parliamentary IT Committee.

Chris Skinner - Chairman of the Financial Services Club

Chris Skinner is best known as an independent commentator on the financial markets through his blog the Finanser ( Here he regularly discusses key issues and opportunities in banking and financial services, summarising research, white papers and other analysis that is topical for the day. The blog content is now regularly edited into book form, with the first five books published by Searching Finance in a new series called "The Complete Banker" in winter 2010 (order here). When he’s not travelling and delivering keynote speeches, Chris chairs the Financial Services Club, which he founded in 2004. The Financial Services Club is a network for financial professionals, and focuses on the future of financial services through the delivery of high quality and in-depth research, analysis, commentary and debate. The Club has regular meetings in London, Edinburgh, Dublin and Vienna, providing a critically independent platform for practitioners, regulators and industry leaders to meet, network and discuss the future of our industry. Chris is Chief Executive of Balatro Ltd, and a co-founder of the website Shaping Tomorrow. He also appears regularly in various media including the BBC, Bloomberg and Sky News.