I advise banks, credit unions, PSPs, exchange houses and virtual asset firms on modernizing how they move money. I owned the target architecture for BMO's Real-Time Rail and ISO 20022 programmes, and I've run $50MM-a-year banking portfolios. You get a senior architect who has shipped this, on a fixed scope.
Most modernization work right now is set by a regulator or a scheme, not by a strategy deck. These are the deadlines my clients are planning around.
Also coming, without fixed dates: Aani cross-border, e-direct debit and B2B payments in the UAE; accreditation under Canada's consumer-driven banking framework; and wider FedNow use among US banks and credit unions.
Every engagement ends with something your board, your regulator and your delivery team can each act on.
Selected roles. Client names appear where the work is already public on my profile.
Owned target architecture and roadmaps for the Real-Time Rail and ISO 20022 programmes, across Payments Canada connectivity, Interac e-Transfer, payment hubs, core banking, fraud, liquidity and operations.
Directed architecture for FX pricing and dynamic currency conversion, and set the roadmap from legacy processing to cloud-native platforms.
Accountable for about $50MM a year of banking programmes, a $20MM+ P&L and 100+ people; technology governance for a $55MM-a-year strategic account; $400MM+ in outsourcing and integration deals.
Banking programmes spanning branch modernization, core banking, contact centres and the national SADAD bill-payment platform.
Designed tokenized real-world asset platforms, digital wallets and cross-border value networks, covering issuer and investor onboarding, custody, controlled transfers and reporting.
MBA, Edinburgh Business School (Heriot-Watt). B.Eng, Electrical Engineering, American University of Beirut. Professional Engineer (P.Eng).
Most clients start with a three-to-four-week assessment at a fixed fee. You see the output before committing to anything larger.
I work from Toronto across North American and GCC hours. Each statement of work names the weeks I'm on site with your team.
I don't resell software. The company I contract through also builds applications; I disclose that up front, and it won't bid on build work from my advice without your written consent.
Short briefs on Real-Time Rail, ISO 20022 and UAE inspection readiness. All views →
At launch, institutions only have to receive RTR payments. The hard part is sending: fraud controls for irrevocable payments, liquidity and pre-funding, and 24/7 operations. Plan that work now, not in 2027.
Read the full view →Many banks met the Swift cutover with translation layers. Structured addresses, exceptions and investigations, and statements arrive between 2026 and 2028, and each one exposes data you don't hold yet.
Read the full view →A VASP licence is the start. Inspections now test whether custody, Travel Rule and risk-assessment controls work in practice, and whether you can prove it on the day.
Read the full view →A 30-minute call is enough to tell whether a fixed-scope assessment makes sense. I'll send a two-page scope within 48 hours if it does.
North America: Monday to Friday, Eastern time.
GCC: 14:00–18:00 Dubai, Sunday to Friday.