Sarah Gooding

I am a senior Product, Operations and Technology executive with extensive experience across payments, financial services, media and digital businesses. My experience sits at the intersection of product strategy, commercial proposition development, technology, operations and regulation. I am particularly strong at understanding complex business models and financial workflows, identifying where the real constraint or opportunity sits, and translating that into a proposition that is commercially credible, operationally workable and capable of being delivered. I have deep domain expertise across cross-border payments, FX, cards, safeguarding, escrow, settlement and complex multi-party money flows, and have worked extensively in regulated environments where product decisions need to stand up commercially, operationally and from a compliance perspective. A significant part of my work is proposition development: understanding how a market operates, where value is created or lost, who controls the decision, and where financial infrastructure can remove friction or create a stronger commercial model. I work comfortably across Product, Technology, Operations, Compliance and Commercial teams and am effective at translating between them. I can move from market opportunity and client need through to operating model, product requirements and delivery without losing sight of the commercial objective. I am analytical, commercially minded and naturally questioning. I tend to challenge assumptions, get underneath the mechanics of how something works and look for patterns or opportunities that may not be immediately obvious. I am equally comfortable engaging with senior clients, partners, regulators, boards and technical teams, and I communicate complex subjects clearly and with appropriate depth. And I am Welsh.

Small, but mighty nation.