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Richard MouldRM

Richard Mould

Payments and Banking Exec

€1,176/day
Bath, GB
15+ years

Average response time: 1 hour

About Richard

Led a number of transformative innovations in payments and banking from establishing new ways to pay such as contactless and open banking to transforming the digital experience of credit card customers. Skilled at leading and motivating teams and getting wider stakeholder engagement behind a common vision
  • English

    Native or bilingual

Can work on-site
Bath (up to 50km), London (up to 50km)

Experience

  • UK Payments Initiative Limited
    Interim Exec
    BANKING AND INSURANCE
    January 2025 - July 2026 (1 year and 6 months)
    Driving forwards the establishment of a new bank and fintech owned payment scheme from open banking.
    • Developed the commercial, governance and operating foundations of the business
    • Worked closely with all funders to determine pragmatic solutions to drive the business forwards
    • Stakeholder engagement with both funding firm (more than 30) and the regulator
  • L.E.K. Consulting
    Managing Director, Co-Lead Payments Practice
    CONSULTING AND AUDITS
    January 2024 - January 2025 (1 year)
    Established a payments consulting capability
    • Built and led a dedicated payments practice, shaping growth strategies for investors, banks, and fintechs across issuing, acquiring, cross-border payments, embedded finance, and software-enabled payments.
    • Established relationships with investors and corporate finance houses.
    • Led teams delivering complex, data-driven analysis and strategic recommendations.
    • Worked with global teams on multi-jurisdiction initiatives.
  • Open Banking Limited
    Senior Strategy & Policy Lead
    BANKING AND INSURANCE
    May 2020 - January 2024 (3 years and 8 months)
    Led product strategy and commercial development for the next generation of Open Banking.
    • Led the development of VRPs and Commercial VRPs across the UK ecosystem.
    • Authored the Variable Recurring Payments Blueprint for the FCA and the PSR.
    • Designed the consumer protection framework adopted by ecosystem participants and regulators.
    • Developed the future operating model for Open Banking.
    • Supported the creation of the Strategic Working Group and ran the commercial workstream for the Joint Regulatory Oversight Committee
    • Worked closely with FCA, CMA, PSR, HM Treasury and Financial Institutions to shape future product direction.

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Education

  • MEng
    University of Cambridge, St Catharine's College
    MEng

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