Strategic thinking and execution that is refreshing. Deliverable. compliant. Are you clear on your vision and do you know how you can achieve it?   

About page pic MVEN\ER\GIZE

To give vitality and enthusiasm to

\\ Current role      


Head of Transaction Banking and Cash Management for Santander Corporate and Commercial Banking. Based in London, United Kingdom.

\\  MBA

MBA with Distinction from CASS Business School, City University, London.


Bringing over 30 years of relevant Transaction Banking industry experience to Santander and its customers from working in the global Financial Services industry, particularly in Corporate and Institutional Banking sectors and in leading transformational change in a dynamic Payments market.


expert skill or knowledge in a particular field

\\ Skills

Proven leadership and commercial experience in Payments & FX, Cards and Merchant Acquiring, Treasury & Trade Solutions and Transaction Banking strategy, transformation and execution.



Capco Social Logo\\ Capco

Managing Principal in Capco’s EMEA Payment Practice. Engaged with Global Payments business leadership within Financial Services and Fintech organisations to assist them in:

\\ strategy development for markets, products and propositions
\\ delivery of regulatory compliance and remediation activity
\\ delivery of transformational strategies and programmes
\\ ongoing execution of change 

\\ citigroup

\\ Led the Bank’s WorldLink Payments product, delivering time sensitive cross currency payments into 140 countries across five different payment types. Implemented technology and business model transformation programme and grew revenue and net income by 40% CAGR over 4 years. Delivered significant regulatory change programmes and remediation activity.


\\ Responsible for strategy and development activity for UK Small Business Banking division. Completed planning for new core banking system roll out and target operating model design >>100,000 clients.  

\\ Barclaycard

\\ Led the Product Management and Development function. Delivered Chip and Pin card migration and acquiring implementation across 110,000 point of sale devices. Executed new multi currency acquiring platform and e-commerce product development.

\\ Barclays

\\ Product Head responsible for product management and development activities of Business Banking liquidity management and deposit products. 

\\ Product Head for Business Banking receivables products. 

\\ Worked in the bank’s private equity fund investing in development capital and MBO/MBI deals. 


Office-Building-000009240347_Large\\ DOMAINS

\\ Corporate & institutional banking, payments & FX, digital payments, treasury & trade solutions, transaction banking


\\ Payments & FX services, cash management, liquidity management, consumer and commercial cards and merchant acquiring


\\ Major financial services brand experience – Eurozone and Global Banking firms.

\\ Sector focus of retail and corporate banking plus consultancy/advisory work.

\\ Deep global network of Financial Institution and Multinational Corporate contacts in EMEA, Asia and the US .

\\ Subject matter expertise in international cash management, payments and treasury management and direct client engagement experience.

\\ Functional experience and expertise in product management, new product development and innovation; strong track record of execution and transformation.

\\ Direct payments business leadership experience.

\\ Regulatory engagement track record – excellent direct engagement with major financial regulators .

\\ Strong leadership and talent management orientation – I enjoy leading and developing people, and helping to build high performing teams

Corporate-Glass-building-000000916650_Medium\\ CONSULTING SKILLS & EXPERTISE

\\ Program management, business case management, business process redesign, people change management, strategy + integrated planning, delivery roadmap creation, transformation



R4H Logo

\\ Rugby4Heroes

Rugby4Heroes is a not for profit community volunteering group established in 2009 in Leamington Spa, connecting local people from the game of rugby and helping local bereaved families and injured servicemen and women. I lead a dedicated team who organise and run events and we have raised over £75,000 to date for Armed Forces charities. Through events, such as the annual Rugby and Music Festival, we also support other local voluntary organisations to raise their profile and we work with independent businesses to make a contribution to the local economy. Our next event is the joint 353 and Rugby4Heroes Charity ball on 11th February 2017.





If you would prefer to contact me by phone, call 07545 602029

Michael Vallance
Head of Transaction Banking and Cash Management, Santander Corporate and Commercial Banking
T: +44 7545 602029