meet the team

Bob has worked around the world and lived in Europe, Asia and Africa. Throughout a semi-glorious career he's worked in government, technology and financial services, which is probably why just everyone knows him. He has a Japanese wife and a miniature schnauzer, was born in Cornwall and grew up in London. He describes himself - with some accuracy - as an innovator, a change maker and an all-round trouble maker.

He also knows this isn't the sort of resumé you'd normally post on your website, but he's the boss, so what can you do?

The co-creator of InterlockLedger, our native blockchain technology, Fabio is a published authority on data security with a strong focus on encryption. He's a member of the Database and Image Group (GBDI), where he works on establishing standards and technologies for managing and securing large, complex datasets.

James brings an impressive financial track record, with senior positions at Bank One, the Kenyan Trade Development Bank, plus a list of influential advisory roles.

More importantly though, he’s deeply committed to a new Africa that can freely enter world trade without the barriers of de-risking and internal border restrictions. It was these values that first brought us together through a common aim.

Africa’s potential is vast, but it would be foolish to suggest that removing its impediments is a simple exercise. Thanks to James’s experience, commitment and creativity, we’re already making significant strides towards a future where Africa and the rest of the world achieve mutual benefit through open, ethical trade.

Jasmuliadi, or Jas as he's better known (no one has time in their day for a name that long), comes to us with a good background in major banks and a great work ethic. He worked in the anti-scam team with DBS, experience that's given him excellent insight into how fraudsters' minds work.

His instincts and attention to detail make him an important asset to our compliance team.

Thirty-odd years of technology marketing has seen Jem pioneering possibly the first interactive mailshots at the dawn of the 90s, moving from floppy disk to CD-ROM ahead of the interactivity boom in the middle of the decade. He's developed innovative projects for clients like IBM, Lloyds, BBC, HSBC and Global Payments.

An increasing portion of the last five years has been dedicated to developing products and marketing initiatives for the Choice-Clarency group, and now it's driven out the other distractions. He says it's almost as enjoyable as messing with old aeroplanes.

Justin's impressive record in the the payment industry made him an ideal choice to head up the compliance mastery that's core to our operations. His background includes treasury and onboarding operations in OCBC's private banking subsidiary, Bank of Singapore. He went hands-on with compliance with EZ-Link, Singapore's primary transport payment provider. This involved developing compliance operations and establishing fraud investigation and management systems.

All this equipped him to enhance and extend Clarrency's suite of internal and external policies and procedures in accordance with the relevant regulations and legislations. Day-to-day, he's involved with overseeing transactional and remittance matters, as well as liaising with regulatory authorities concerning case escalations and transactional reporting.

Khumo is the master of operations and administration. Before joining us she ran the operations at SCF Capital Solutions, funding working capital for small businesses in the green space. Through her work with Sophiatown Green Incubator she's been instrumental in guiding many start-ups and small businesses from concept to prefunding.

She worked extensively with Bob on the development of the GoldPay remittance system, an initiative that is creating an asset-backed stable coin which will allow for cheaper remittance costs for migrants in Africa and Asia.

Miel was already incumbent in a senior management role when we acquired Clarency in 2017. He oversaw a smooth transfer of operations, including working with regulators to negotiate a change of regulatory status for the company. That’s no easy task, and Miel’s successful execution of the project made it clear that this was no ordinary executive.

With a string of financial qualifications to his name, Miel combines technical knowledge with a practical approach to the real world – essential attributes when you’re working with a company that’s constantly expanding the envelope. In fact he’s so good that we can overlook his weird predilection for running marathons and being unacceptably fit.

Salesforce is an important component of our user interfaces. It allows easy, industry-standard communication between customer and partner systems and our own. We encountered Pieter when he took on the job of developing our Salesforce integration.

We were impressed.

Pieter brings twenty years’ experience of working with CRM and ERP systems. Like Michael, he’s also a fluent Earthling-speaker, making for an IT management team that can translate requirements into rapid, fit-for-purpose applications.

with Fabio, Ricardo co-created our blockchain technology, taking the distributed ledger concept to a whole new level of security, robustness and usability.