David Cushing
Director of Product Management @Mastercard
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WORK HISTORY
Director of Product Management @Mastercard
Senior technical product leader shaping and delivering payments platforms at Mastercard, operating at the intersection of product strategy, architecture, and execution to build durable capabilities rather than one-off solutions.I led the product platform design and development of MMCP, a strategic platform designed to support complex cross‑border and commercial payment flows.(See projects.)Key responsibilities- Set platform vision and strategy for account-to-account cross-border capabilities within our innovation / new product development team, translating organisational goals and regulatory constraints into clear product roadmaps and investment decisions- Provide cross-functional leadership across Engineering, Architecture, Legal, Risk, CX/UX, and commercial teams, creating alignment on priorities and trade-offs and giving senior stakeholders confidence in delivery and risk posture- Lead thinking and design for configurable, rules-based and standards-led platform patterns that reduce duplication, shorten time-to-market for new use cases, and lower long-term integration and maintenance costs- Act as a trusted ISO 20022, SWIFT and payments SME for the organisation, shaping thinking on interoperability, network strategy, and how platforms evolve to support new market infrastructures and digital asset models- Establish product development processes, governance, and tooling that improve delivery reliability, transparency, and accountability across distributed teams, while keeping the focus on measurable business and customer outcomes- Build and coach a high-performing, technically fluent product organisation, mentoring PMs and UX partners, raising expectations on product craft, and creating a culture of continuous discovery and evidence-based decision-making- Promote thoughtful use of AI and scalable UX patterns in day-to-day product work, improving the quality and speed of research, documentation, and stakeholder communication.
EDUCATION
University of Strathclyde
II.i Honours, Management
SKILLS
ABOUT DAVID CUSHING
Payments product and strategy leader with over 20 years of experience building, launching and scaling payment systems — from consumer internet billing in the late 1990s to large-scale instant payment infrastructure and cross-border commercial payment innovation at the heart of the global financial system.I lead product strategy and platform development in global payments, bridging the gap between deep technical payments expertise and strategic commercial thinking - whether defining product vision, engaging with everyone from Central and Tier 1 banks to startup fintechs, or diving into ISO 20022 message flows and API design.Previously, at Vocalink, I helped take the UK’s Faster Payments model to international markets. Earlier roles at Earthport (cross-border account to account, mobile wallet and DLT/Ripple solutions) and AOL UK built my foundation in payment systems, product strategy, and large-scale delivery.Contact me about senior leadership, product strategy, and consulting opportunities within the payments, fintech, and financial infrastructure space — either within an organisation, a vendor/outsourcer, or in an advisory/consulting capacity.Areas of expertise: Instant Payments · Cross-Border Payments · Commercial Payments · Payment Scheme Design · Product Strategy · B2B Product Management · ISO 20022 · DLT/Blockchain Payments · Stakeholder & Client Engagement · Consulting & Advisory
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