Proven track record in delivering Digital payments journeys on customer facing channels e.g. Mobile Strong understanding for Cash FX, and the of the Payments lifecycle from Payments initiation to settlement & reconciliation Strong functional knowledge of payment schemes (SWIFT, SEPA, FPS, CHAPS etc.) and ISO20022 standards Should have good understanding of regulatory & scheme-specific requirements e.g. ISO20022 readiness, ISO Hybrid Address Compliance readiness etc.