Paul is a seasoned executive with over 25 years of experience in banking, fintech, embedded finance, digital innovation, and technology leadership. He has held senior roles at ClearBank, HSBC, J.P. Morgan, and Nomura, where he developed transformative business models and drove operational excellence.

As a pioneer in embedded banking, Paul has lectured at universities like Cambridge, sharing his vision for finance and technology. His work has set industry benchmarks and redefined how banking products integrate into customer ecosystems.
At ClearBank, as Group Head of Embedded Banking, Paul led the pivot to embedded banking, defining strategic roadmaps and driving growth in sectors including insurance, healthcare, EV, and retail.

At HSBC, as the Global Head of Embedded Finance and Banking-as-a-Service, he built new operating models and executed go-to-market strategies, aligning innovative products with market opportunities and solving complex corporate challenges.

As Global Head of Public Sector and Digital Innovation for Securities Services, Paul transformed banking operations with AI-driven solutions, streamlining processes and enhancing service delivery globally. He also led a cultural shift from 'project to product,' driving scalable outcomes.

An entrepreneurial norms challenger, Paul has founded multiple technology ventures, including a SaaS logistics platform and an AI-based demand management solution, delivering value to Fortune 500 clients. His dual experience as a founder and advisor bridges strategy, execution, and innovation in fintech and banking.