Richard S.
Product Lead Future Fraud Decisioning Platform @NatWest Group
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WORK HISTORY
Product Lead Future Fraud Decisioning Platform @NatWest Group
London, GB
Responsible for the vision, strategy and delivery of the new Future Fraud Decisioning platform- Managing multiple product teams delivering the future fraud architecture- Partnering with AWS to drive innovation and surface the future vision- Working with internal fraud teams to identify key problem areas and deliver targeted MVPs to deliver value to our colleagues and confidence and trust to our customers
EDUCATION
Anglia Ruskin University
BSc(Hons), Computer Science
LIBF
CertPAY, Payments
thePower
ThePowerMBA, MBA, Business Strategy, Entrepreneurship, Innovation & Digital Transformation
ABOUT RICHARD S.
Former developer turned product leader, with 10+ years building and scaling digital products across fintech and banking. I’ve worked at HSBC, 11:FS, Metro Bank, Monese and XYB, shaping payments, mobile UX and core banking platforms used by millions.My track record includes:• Launching XYB’s first client-ready core ledger, projected to generate £4.3M in revenue.• Driving £2M+ annual savings through payment rail migration and PSP optimisation at Monese.• Building Monese’s FX Collections product, reaching 10k sign-ups and £500k revenue in year one.• Scaling payments infrastructure at XYB to handle 300k+ transactions per minute.• Delivering HSBC’s Round-Ups feature, adopted by 300k users in its first year.• Cutting customer support demand by 70% through Metro Bank’s in-app card activation.What I bring is a mix of technical fluency, product strategy and team leadership: I can dig into API trade-offs, coach PMs through ambiguity, and align stakeholders around measurable outcomes. Whether it’s 0–1 launches or scaling platforms, I focus on turning complex challenges into simple, scalable products that customers trust and businesses grow on.
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