Money Movement Advisory
Money movement is being transformed. Account-to-account transfers remain the backbone of cross-border payments, but new real-time rails — card schemes, digital wallets, stablecoins — are reshaping how money moves domestically and across borders, creating new opportunities and new risk and compliance complexity for everyone in the ecosystem.
Navigating this landscape requires deep knowledge of how money movement networks operate — the products, the participants, the risk typologies, the regulatory frameworks, and the compliance obligations that come with each rail.
I bring over a decade of senior leadership experience in money movement at Visa, with particular depth in real-time card scheme money movement, where I built the partnerships, risk frameworks and operational models that took the network from early stage to over 4 billion card accounts reachable worldwide. That experience, combined with a broad understanding of the wider money movement landscape, means I can offer practical, credible advisory support across money movement challenges.
Emerging real-time money movement technologies open powerful opportunities for fintechs and banks, but navigating product functionality, compliance obligations, onboarding processes, and a rapidly evolving regulatory landscape requires detailed knowledge of how the networks work and what they expect of their participants. I can help you move forward with clarity and confidence.
Typical projects could include:
Commercial opportunity analysis and go-to-market planning
Product functionality advice
Payment network policy interpretation and compliance advice
Onboarding strategy and due diligence preparation
Fraud and sanctions screening solution design
Whether you are building risk and compliance solutions for money movement, or developing regulatory frameworks to address emerging money movement technologies, a deep understanding of how the network actually operates is essential.
Card-based money transfers, particularly cross-border, have their own transaction flows and formats, risk typologies, and scheme rules. Understanding these from the inside is critical for designing effective solutions.
Typical projects could include:
Product development strategy for card money transfer monitoring and control solutions
Risk typology and transaction flow analysis
Regulatory framework review and recommendations
Scheme policy and compliance briefings
Receiving Visa Direct payments to card accounts brings new revenue streams and customer experience opportunities for your cardholders, and also specific risk and compliance considerations. Card-based money transfers have their own risk profile, and scheme requirements in this area continue to evolve as the product matures globally.
Typical projects could include:
Sanctions and AML screening solution design
Acceptance policy design and review
Scheme policy and process interpretation
Authorisation model design
Money movement is a fast-moving and specialist space. If you are looking for practical advisory support — whether on card scheme money transfer or the broader money movement landscape — I would be happy to have a straightforward conversation about where I can help.