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National Member Group Directors

Joanne Fraser (Chair), Managing Director, Regional Head of Cash Product, Europe at Standard Chartered Bank

Joanne joined Standard Chartered in December 2021 where she holds the position of Managing Director, Regional Head of Cash Product Europe. She is responsible for the overall Cash product management for Financial Institution and Corporate clients in Europe, which covers currency clearing, payables, receivables, and liquidity solutions. 

Joanne has undertaken several leadership roles across Transaction Banking, and her career spans more than 20 years in financial services. Her previous role was with HSBC where she spent 7 years, firstly as Senior Business Manager for the Global Head of Global Liquidity and Cash Management (GLCM), and more latterly as GLCM Regional Head of Payments and Cards Product for UK & Europe. She has led the rollout in Europe of instant payments, virtual accounts, commercial cards, and regulatory changes for example: UK cheque imaging; PSD2; and Euroclearing build out and migration as part of Brexit.  Prior to that, Joanne spent 14 years at RBS in a variety of leadership roles in product management, transformation, change delivery, retail banking, and customer experience strategy for the Retail and Commercial banks.

Joanne serves on the Bank of England Strategic Advisory Forum for RTGS / CHAPs, and previously was a member of the European Payments Council (EPC) Board for SEPA participants driving SEPA strategy and adoption. She has managed large infrastructure and industry developments, regulatory changes and member bank scheme compliance and attestations, for UK and Europe, across clearing schemes and payment bodies.

Joanne is a keen mentor for junior talent, managing business internships and graduate programmes. She currently mentors in the Standard Chartered RISE programme supporting talent from Black, Asian and Minority Ethnic backgrounds to thrive, and to guide young people towards sustained and meaningful employment.

Originally from Edinburgh in Scotland, Jo lives in London with her beloved 1 year old daughter.  Outside work she loves to spend time with her daughter, friends, and family. She enjoys walking and being outdoors and has done a few challenges over the years including walking the Inca trail, 100km through the Costa Rican rainforest, and successfully summiting Mount Kilimanjaro in Africa. She loves to travel and experience new places. More recently, she has embarked upon DIY and home improvements, and has enjoyed creating a beautiful home.

Graham Garrick, Managing Director, Barclays

Graham Garrick is Managing Director, Head of Global Payment Services Operations for Barclays, based in London. He leads a global team that acts as the payment utility for the Barclays Group covering payment processing, payment investigations, and cash management.

Graham has worked at Barclays since 2006 covering various leadership roles across Wealth, Investment Bank, and Corporate Bank Operations.

Graham has a proven track record in building and developing high-performing global functions delivering outstanding business results achieved through strong colleague engagement and front-to-back collaboration.

Prior to joining Barclays Graham worked in the Insurance sector leading sales and service teams across the UK. Graham holds a Masters in Business Administration (MBA).

graham garrick
Ian Povey, CIO Payments Services & Technology, NatWest Banking Group

Ian Povey is an experienced & internationally recognised payments product & technology executive culminating in consecutive CIO Payment Services leadership roles. Ian is a strategic technological leader who engages with and understands the payments business, regulatory frameworks and standards to unlock commercial and operational value and thought leadership.

Ian is currently the CIO Payments Services & Technology for the NatWest Banking Group. Accountable for the run, change and continuous availability of payments as a systemically critical participant in the industry. Ian is focused on transformation and modernisation of the technology estate, investing in team culture and adoption of new ways of working. While collaborating with the business to continuously improve each customer journey.

Ian is a connected leader within the organisation and externally with industry. Ian Chaired the Standards Strategy Group for UKFinance and has adopted different Board & Trustee roles to maintain diversity of thought and experience (Charities Trust – UK and formerly Archa Ltd – Australia).

Previously, Ian fulfilled a similar role as CIO of Payments for the Commonwealth Bank of Australia (CBA) Group. A key deliverable being the transformational build and delivery for Australia’ instant New Payments Platform (NPP). Ian was a member of the NPPA Board.

ian povey
Marco Hughes, Managing Director, Europe Regional Head of Payment Products, GLCM at HSBC

Marco is the Managing Director and Europe Head of Payments Product for its Global Payments Solutions business based in London, meeting the needs of HSBC corporate and financial service clients to make and better manage payments and receive collections both domestic and international across 21 markets. This covers a wide remit of electronic and paper based solutions, and so it covers payments from the most traditional to the latest innovation. His 25-year career in banking has taken him around the world, from Mumbai to Chennai, Chicago to Prague and Rome to Edinburgh. A former British Royal Navy officer, Marco holds an MBA from the University of Chicago and a degree in Electronic and Communication Engineering from the University of Bristol. He is a Member of the Chartered Institute for Securities & Investment (MCISI), and a Freeman of the City of London.

marco hughes
Samantha Emery, Payments Industry & Development Director, Lloyds Banking Group (LBG) – Deputy Chair of the Swift Board of Directors

Swift Director since 2022. Samantha joined LBG in 2021 and is responsible for leading the strategic direction on payments, including driving payments strategy, fostering payments partnerships and managing the Group’s external relationships across the payments industry and regulators. Samantha also delivers enterprise-wide services including domestic and international payments settlement, liquidity and scheme management, payments design consultancy, and payments policy compliance.

Previously, Samantha held roles at the Financial Conduct Authority (FCA), leading both payments supervision and the regulator’s globally recognised fintech agenda. Prior to this, Samantha held several senior positions at NatWest/RBS in Global Transaction Services (GTS) leading on digital innovation, strategy design, transformation, and regulatory change. A constant theme throughout her career has been driving progress on inclusion, diversity and allyship. Samantha sits on various industry Boards and also provides advisory services to key industry partners.


User Directors

Nicholas Hamilton, Executive Director, J.P. Morgan Corporate & Investment Bank

Nicholas Hamilton is an Executive Director in JP Morgan’s Digital and Platform Services team. He manages the Operations Post trade and Data analytics Strategy for Prime financial services business. This covers Prime brokerage and Futures and Clearing business and includes a portfolio of Cash, Securities, financing, and derivatives business flows.  

Nicholas is also an active industry participant co-chairing the Operations Committee for the ICMA European Repo & Collateral Council (ERCC) and is the ICMA representative on the ECB Advisory Group on Market infrastructure for Securities & Collateral (AMI-Sec-Co) and the Euroclear User group. 

Within the SWIFT organisation he chairs the SWIFT UK Securities Advisory Forum (SAF) & is JP Morgan’s board member on the SWIFT UK national user group.  

He has been more recently focused on industry data architecture and linking market practice to data standards and evolving bank-to-client netting and clearing product capabilities.

Sanjeev Bhatti, Principal - Product Management - Direct Clearing and Emerging Payments at the Bank of New York Mellon

Sanjeev Bhatti joined the Bank of New York Mellon in 2018 and is a member of the Treasury Services Payments Product team where he is responsible for managing GBP, EUR and Multicurrency payments globally and USD payments for EMEA.

He is especially interested in the strategic direction of the payments industry and product innovation and the use of new technologies, in particular Blockchain, Data Analytics and AI, to improve client experience through improved functionality and reduced complexity.

He is active in several industry groups at the Bank of England, UK Finance, Pay.UK and SWIFT. He has worked on transformative industry projects such as the migration to ISO20022, Confirmation of Payee and increases in the Contactless payment limit in the UK.

Before joining the Bank of New York Mellon, he spent ten years at two UK banks. He has extensive experience of working across lines of business and geographies to develop market-leading products.

Before entering Banking he worked in the pharmaceutical industry where he held multiple strategic roles focussed on strategies for launching new pharmaceutical products. He then founded a consultancy that developed economic models for multinational pharmaceutical companies to help them better communicate the value of new products.

Chris Jameson, Head of Product Management Bank of America

Chris Jameson is Head of Product Management, Global Transaction Services for Europe, the Middle East and Africa (EMEA) at Bank of America. In this role he is responsible for the development and deployment of payments, receivables, FX, liquidity, commercial cards, channels and information services for both corporate and FI clients across the region.

Chris has previously held a number of roles leading sales teams, including head of Financial Institutions Sales for EMEA, head of GTS Corporate Sales for Western Europe and head of GTS Sales, CEEMEA ex-Russia. Prior to joining the Bank of America, Chris worked with Citigroup for eight years in Paris and London where he managed global treasury relationships with strategic French, British and Irish clients.

Rhys Morgan , Director, Corporate Banking, Deutsche Bank

Rhys joined Deutsche Bank in June 2012. In his current role, Rhys is the Global Head of Digital Service Products and Client Connectivity Business Architecture. Rhys is responsible for delivering digital service management solutions globally in collaboration with clients and fintechs, and for defining Deutsche Bank’s Corporate Bank client connectivity future state business architecture and strategy.

Rhys has worked in the financial services industry for over 25 years with extensive experience in cash management and securities services. Prior to joining Deutsche Bank, he held various consultancy roles at NatWest/RBS, HBOS, HSBC, Santander, Barclays and other large corporates covering a range of responsibilities in e-Commerce, client services, transaction banking, digital strategy, programme management, product management, and new product development.

Rhys graduated from the University of Oxford and has an Executive MBA from Imperial College London.

User Group Chair

Sam England, Swift Industry Engagement Lead, Lloyds Bank and Swift UK User Group Chair

With 12+ years at Lloyds Bank, working across payments, compliance, and risk governance. Sam has a broad experience across all areas of the client journeys inclusive of the Securities, Trade and Corporate domains, with a deep understanding of the regulatory and strategic challenges the UK banking community faces into.

He is currently responsible for Swift Industry Engagement at Lloyds Bank, managing the relationship with Swift, acting as the conduit between Swift, and the bank, mainly focusing on the payment and compliance elements attached to ISO 20022, swift gpi and CSP, and previously was responsible for the delivery and maintenance of the Swift strategy within Lloyds.

As the User Group Chair, Sam represents the UK across the Swift community, include ESA where he chairs the Banking Payments and Compliance Working Group, alongside the UK User Groups, and Strategic theme work underway within the UK.

Wildcard Directors

Jo Candlish, Director of Business Agility and Transformation, Metro Bank

Jo Candlish is the Director of Business Agility and Transformation at Metro Bank where she is responsible for the delivery of changes at Metro Bank, including responding too and keeping up to date with payments regulation, innovation, and market developments.

Jo has over twenty years’ experience in change, of which ten has been in UK challenger banks. She has a special interest in the proportional application of scheme rules and regulations to smaller institutions. 

Jo Candish portrait photo
Kim O’Donoghue, Senior Vice President, Head of Product and Delivery, Vocalink Limited

Kim O’Donoghue is Senior Vice President, Head of Product and Delivery at Vocalink Limited, the Mastercard company that runs the infrastructure for Bacs, Faster Payments, the Image Clearing Service and the LINK ATM network. 

Kim joined Mastercard/Vocalink in 2018, having spent 20 years in banking and payments consulting with PwC Consulting, IBM Business Consulting Services, and KPMG. She was part of the KPMG team that programme managed the delivery of the Faster Payments Service across the UK banking industry in 2008, and also spent 5 years working on the design and implementation of the SWIFT-supplied real time payments system in Australia. 

Before her consulting career, she was a policy-maker in the Civil Service, culminating in a role in the Cabinet Office European Secretariat whose job was to coordinate a single UK position (across all Whitehall departments and devolved administrations) on European policy.

Kim has a BSc in European Studies, a BA in Social Sciences, and an MBA. She is a Trustee for the charity One Westminster.

Richard Turrell, Head of Post Trade Strategy, LSEG

Richard helps form the strategic direction across the group of London Stock Exchange post-trade businesses (cleared and non-cleared, collateral management, compression, optimisation and workflow solutions). Prior to this position, Richard was Director of LCH’s Collateral and Liquidity Management (CaLM) Product and Network Management line. Richard joined LCH, part of LSE Group of companies, in 2017 from Deutsche Bank where he led a Strategic Solutions team tasked with defining the future of the post-trade securities services business. Prior to this, Richard held a senior market infrastructure consulting position with Ernst and Young, and global product management positions with both BNP Paribas Securities Services and Euroclear UK and Ireland.

Throughout his career, Richard has been exposed to large-scale change within financial market infrastructure (exchanges, CCPs, CSDs, central banks, agent banks) and the management of its impact upon market participants.

Richard has a MA in Organisational Behaviour and undergraduate degrees in various business disciplines having studied in The Netherlands and UK.

Russell Saunders, Senior Independent Director, iFast Global Bank

Russell Saunders, Senior Independent Director, iFast Global Bank, with over 30 years' experience in retail and commercial banking.



Dovile Naktinyte, Senior Manager – Product Design Team

Dovile Naktinyte leads the Product Design Team in the Payments Directorate at the Bank of England.

Her team explores what enhancements the Bank should design and introduce to the sterling RTGS service to promote innovation and resilience in wholesale payments. 

Before this role, Dovile held various manager and policy analyst roles at the Bank of England and other public sector organisations in Lithuania and Brussels in the areas of payments, securities settlement, transaction reporting and investment services. Dovile has a Senior Leadership MBA from Exeter University.

Nuala Jackson, Director of Payments at UK Finance

Nuala Jackson is Director of Payments at UK Finance, a strategic leadership role, where she is responsible for driving co-ordination and collaboration across the industry to respond to the regulatory, legislative and industry change agenda for payments in the UK and Europe. 

Nuala joined UK Finance in 2022 bringing 20 years of banking and financial services experience and is highly experienced in the delivery of complex change within a highly regulated environment.  

Prior to her role at UK Finance, Nuala was a Senior Manager for Payments Industry & Oversight at Santander UK. There, she oversaw the bank’s Payments Change Roadmap, leading numerous large-scale industry change programs that introduced some of the most significant transformations in the banking sector in over a generation. 

Before her tenure at Santander, Nuala held various roles at HSBC, both within the UK Bank and at a Group level.