Richard is a leader in SME banking and fintech, having spent the last two decades working with UK banks and the fastest growing fintechs. He is the CEO of Allica Bank, a digital challenger bank focused on SMEs, and NED at WorldRemit. Previously he was the group COO at Revolut, as the company expanded from 5 million to 15 million customers and launched in a number of new markets. At OakNorth he developed the business model, technology, and regulatory licence application as the inaugural CEO. In large banks, he has been TSB’s Commercial Banking Director, and COO for HSBC’s UK Commercial Bank.