Paul Horner

A loyalty and incentive scheme service provider prepared to add a prepaid MasterCard to its product range. Becoming a MasterCard Programme Manager, the firm sought to understand the Payment Service Directive [PSD] and determine whether to seek FSA authorisation as an Electronic Money Institution. Prepared an analysis of the regulatory framework. repared a marketplace analysis of the US loyalty and incentive scheme market. Pinpointed a favourable product position for a new entrant into the marketplace.

Developed the business case for a mobile remittance, e-wallet and prepaid card financial services company delivered by mobile application. Project manager of the Electronic Money Institution application to the UK Financial Services Authority [FSA].

Prepared a market map of UK financial institutions available for sale and engaged a major investment bank to intermediate the approach to a vendor

Prepared the organisation for the Payment Service Directive (Payment Services Regulations) and post-acquisition integration of NordFinanz Bank AG

Prepared the revenue model, regulatory business plan and application to the Financial Services Authority

Prepared IT system specifications for a client and sales management tool and undertook an organisational change management study

Recognised the impending payment convergence, impacting mobile network operators and banks, and designed a strategy to capture the opportunity. Created an organic, EU, m-Payment market entry strategy for a mobile telephone technology services firm. Designed a strategy to convert a proprietary, closed-loop platform into an improved, open-loop platform. Developed a revenue model, analysed the market size, prepared the customer proposition for mobile network operators and suggested distributor revenue sharing

An organisation in crisis required a strategy to exit two businesses. Authored the strategic plan. Guided the approval of the plan. Then, implemented the strategy. Exited a complex, regulated business in five weeks, one quarter of the time required for a previous exercise. Supported the divestment of two businesses. Developed an IT tool for the sale and transfer of assets to a purchaser. Managed the client communication process.

Authored and implemented a strategic change programme. Transitioned a distressed operation to within budget within five months, profitability in nine. Transformed the marketing structure. Implemented a sales prospecting and tracking system. Re-engineered back office operations. Created intra-EU organisational operational centres to achieve efficiencies and reallocate headcount.

Initiated three business lines. Justified three cycles of continued investment. Exceeded budgeted profits by 350%. Achieved 33% market penetration in five years. Grew the deposit portfolio to £70 million. Directed all product development and treasury operations. Designed and implemented a Maestro / Cirrus purchasing card. Served as the division’s most senior lending officer, sponsored credit packages, supervised annual reviews and determined country limits for sovereign facilities.

Marketing officer for governments and diplomatic missions.

Sales representative of financial services to Asian clients.

Supported the closure of a financial institution governed by the Resolution Trust Corporation.