Associate Partner, Head of Business Design Services
Chief Executive Officer, UK
Chris Cardwell is the Chief Executive Officer of Be in the UK and specialises in capital markets, risk and finance. He has a track record working with financial services clients, including HSBC, Deutsche Bank, Morgan Stanley and Santander. He began his career at Diamond Technology Partners, now owned by PwC. Prior to joining Be, Chris Cardwell was Managing Director at BCS Consulting, where he spent 12 years.
Partner, Capital Markets
Tony Bernstein is a Partner and specialises in capital markets, risk and finance. Previously Vice President and Head of UK Financial Services Consulting at Cognizant, Tony Bernstein brings a wealth of financial services consulting experience to the iBe team. Tony has over 20 years’ experience as a Partner, having been a Partner in EY’s financial services consulting team and at Diamond Technology Partners. During his time in these roles he worked with several investment banks including Goldman Sachs, Deutsche Bank, Morgan Stanley, Bank of America and HSBC.
Masha is a Partner and brings over two decades of experience working in the payments industry.
Prior to joining iBe TSE, Masha held a number of senior appointments in both advisory firms and within the payments industry including at MasterCard, Visa and Microsoft. Her core focus is within online and mobile commerce and she has a track record developing regional and cross-border payment businesses across channels.
Masha has delivered strategy and product consultancy for several large international merchants, fintech startups and payment companies. Masha played key strategic management roles at DataCash, GlobalCollect and CyberSource where she established and grew new areas of the digital payments business. Before that, Masha spent five years at Microsoft where she oversaw the development of electronic and mobile payments for the company’s online sales platform in Europe and provided strategic direction and innovation for the region. Masha’s foundation in the payments industry was established over ten years at Visa International where she was driving business development in CEMEA region and subsequently product strategy and sales of smart card programs and online commerce.
She is frequently a guest speaker at conferences and seminars and also acts as a Non Executive Director to Limonetik, France.
Derek is a Partner within the firm’s Risk and Finance Transformation practice with a specific focus on Capital Optimisation and Credit Portfolio Management (CPM). He is a seasoned Banking executive with many years of practical and commercial front office experience having worked in a variety of senior positions.
Prior to joining iBe TSE, Derek was delivering Capital Management and CPM Strategic Advisory consultancy for banks across the market focusing on the link between RWA Capital Demand and Invested Equity Capital Supply to deliver improved profitability. He has a track record of leading strategic change programmes, successfully connecting high level Business Strategy with front office client management and origination behaviour linked to improved performance management.
He is best known in the market for having proposed, built and led the Credit Portfolio Management franchise for Global Banking and Markets at HSBC. He was the Global Head of Portfolio Management for more than 10 years, supporting deal origination, portfolio composition, and risk distribution for Global Banking. Derek has more than 30 years of commercial experience in Financial Services, incorporating Risk Management, Credit Audit, Distressed Debt Workouts, Financing and Risk Advisory (Debt & Equity), Capital Management and a variety of acquisition related overseas integration assignments.
Derek was a Board member and Chairman of the IACPM (International Association of Credit Portfolio Management), comprising more than 100 banks globally specialising in the delivery of CPM and where he has been involved for many years. He is a frequent guest speaker at conferences and seminars and won Risk Magazine’s Credit Portfolio Manager of the Year in 2011 and again in 2014.
Associate Partner, Head of Business Design Services
Malcolm Fleming is an Associate Partner in the Payments practice and Head of Business Design Services at iBe TSE, based in the London office.
He is an experienced customer-centric business and digital transformation specialist drawing on 30+ years’ experience working in European, American and Asian markets in senior management and technology roles. He has led and assisted organisations to deliver multi-million pound programmes creating new and transforming legacy capabilities within payments, banking, insurance and other sectors.
Prior to joining iBe TSE, Malcolm built advisory and software businesses and held senior positions in global IT and consultancy organisations.
Malcolm is passionate about helping businesses adapt and organise around their customers to increase traction, loyalty and return on investments to create lasting value for their brands, customers, employees and their business as a whole.
Paul Crowe is a Partner and Head of Banking at iBe TSE. He has over 20 years’ management consulting experience operating in a senior capacity delivering complex programmes and launching new financial services organisations.
A programme director comfortable working at both board and operational levels, he combines strong stakeholder management with a grasp of detail required to deliver complex programmes. He has deep skills in delivery advisory and delivery execution. He is an expert in programme delivery, banking integration, supplier selection, contract negotiation, start up delivery and launch.
His clients include Lloyds Banking Group, HSBC, First Data and Travelex. Paul played a key role in the largest banking integration in Europe and programme directed the set-up of Woodford Investment Management, the largest asset management launch in the UK for over 25 years.
Paul lives in London with his wife and two children. He enjoys hockey, cricket, and has a keen interest in politics.
Francesco has spent over 20 years advising some of the world’s leading banks, card schemes and payment organisations on how to enhance business performance. He has led assignments for business spin-off, due diligence for business acquisition, change programme effectiveness and services transition. He has held senior roles at organisations including PwC, Accenture, French Thornton and was Managing Director of Bluerock Consulting in the UK prior to his role at iBe TSE. He is often quoted in the media, in outlets including The Daily Telegraph, London Evening Standard, The Next Web and Global Banking and Finance Review on the subject of innovation and FinTech.
Francesco advocates a customer centric approach to innovation and transformation. He believes that as individuals we are dynamically connected to devices and the world around us. This status of social connections between people, brands, products and services will only become more prolific. As such, he predicts that the bank of the future will be one that understands how people connect with the world around them and will seek to bring a new dimension to these interactions.
He champions the view that the only way large organisations will survive is by adapting and collaborating with start-up and FinTech ecosystems. He urges clients to be more strategic and understand what digital technologies mean for their business. The data it will deliver to them and how they derive value from this will help them deliver a better customer-centric experience that will lead to revenue opportunities.