Craig Glendenning

25+ years of experience in financial services with international and domestic banks, card schemes, as well as small and medium size organisations in management and senior executive positions. Have been directly responsible for program management of the design, developing and launch of Visa’s contactless payment product (payWave) and the design and development of Bpay while working for Commonwealth Bank (Cards Department). I was also responsible for the management of in country teams for the negotiation and implementation of chip programs and vendors in multiple markets throughout Asia. Have managed the restructuring of organisations and IT infrastructure to meet specific market objectives and growth targets. Offer a high level of proficiency in program management, market analysis, product management, strategic solutions development, with proven leadership skills and the ability to manage delivery within budget and time constraints. Persistent leader eager to lead and grow organizations. Skilled in strategic planning, problem-solving, and communication with good understanding of business principles, project management and team leadership. Collaborative with relentless work ethic. Pragmatic professional with solid experience in leadership roles. Adept at implementing strategic business plans, driving growth and improving operations. Skilled in financial management and stakeholder relations. Collaborative and dedicated to building and leading talented and motivated individuals. Top-notch CTO with proven track record of success leading and growing organizations. Strong background in strategic planning, financial management and team development. Skilled in identifying opportunities and implementing practical business strategies with commitment to staying informed about latest trends, technologies and best practices.

• Ideation of Bpay, communicate concept and gain support from to management to develop solution. Bpay has been the main bill payment platform in Australia for the past 25 years.
• Development of card personalisation platform capable of driving personalisation machines anywhere in the world.
• Product Management and implementation of Visa contactless platform. Redefine EMV for contactless, which resulted in Visa's first Patent, to improve security and speed of chip transactions.
• Developed multiple Patents for peer-to-peer payment processing over open networks. Established Fintech company, Bluechain, to bring solution to market.
• Development of a cloud-based, RESTful, API, multi-tenanted payment platform capable of managing card programs as well as domestic legacy and real-time payments. With automated reconciliation and settlement.

• Issuing
• Banking and Finance
• Technology
• Acquiring
• Payments
• Mobile Banking
• Contactless Payments
• Crypto Currency
• Mobile Wallet

• Chief Technology Officer, International Bank of Australia (IBoA), Development of a payment and ledger management system (PALMS) platform capable of processing domestic transactions and provide card management capabilities for card issuance, transaction authorization and automation of reconciliation and settlement processes, Integration of core banking platform to PALMS and domestic payment system., Integration of PCI compliant secure server to hold PAN and token information, Implementation of SDK for push provisioning of card data to Apple pay and Google pay
• Chief Technology Officer, Bluechain, Development of innovative peer-to-peer payment solution
• Chief Information Officer, Australia International United Holdings Group
• Principle Architect - Technology and Business (Payments, Banking and Wealth), Australia Post, Completion of technology and business architecture blueprints and roadmaps payment program, Digitization of Money orders, Architecture for the issuance of Union Pay International travel cards, including integration to retail network and external Program Manager FIS, Development and implementation of Independent Sales Organisation (ISO) architecture with subsidiary Securepay, Development of tokenization platform to support Visa and MasterCard tokenization initiative, KYC integration with 3rd party providers and retail network, PCI review of SecurePay
• Senior Project Manager - PCI Compliance, ANZ, Completion of attestation and remediation plan 3 weeks prior to required delivery, Completed remediation plan with short term gains, medium and long term strategies, Produced business case to establish project team, Recommendation paper to re-architect EFTPOS payment technology and infrastructure to achieve P2PE compliance
• Solution Architect, National Australia Bank, Development of an enterprise architecture for the development and implementation of a new payments processing environment, Roadmap to rationalise and update the host processing environment for HICAPS to meet Current and future needs and improve channel capabilities for customers to access information in real-time, Development of an architecture for integration with an external service provider for the implementation of Supply Chain Finance solution, Development of a roadmap for the migration of current legacy platforms to utilise a transaction management services providing real-time event based processing and clearing and settlement exchange capabilities, as well as real time liquidity and interchange processing, Subject matter expertise for the implementation of contactless technology into the banks terminal fleet
• COO/CIO for Corum Group Ltd, Corum Group Ltd, Continual analysis of operational costs and bank fees to identify and reduce or eliminate these costs from the business. Achieved a $500,000 reduction in bank fees and operational costs in first 12 months., Rationalisation of products to remove old and redundant solutions and services. This required co-ordinating with the Sales team to move clients on old platforms to the selected based product before competitors could react. This resulted in the retention of over 90% of clients., Managed the redevelopment of the groups infrastructure from over 50 individual servers, all between 3 – 5+ years old, to an IBM blade, VMware and SAN environment. This resulted in over a 40% reduction in the number of individual servers and improvements in reliability, fail-over and manageability., Managed the implementation of infrastructure and processes to provide the eCommerce payment system with a cluster failover environment and multiple bank links ensuring that a failure of a single critical component did not effect the processing of transactions. This has resulted in an increase in availability from 90% to 99%., Introduced extensive operational processes and procedures and automation of these to ensure that all incidents and change requests are documented and resolutions recorded. No production updates can be made or implemented without management review and authorisation., Managed the process and worked with the IT team to implement systems and changes required to achieve Service Provider PCI-DSS level 1 compliance., Implementation of Agile methods to improve quality and delivery of functionality to the business
• Director Payment Technology Platform and Strategy, Visa International (Asia Pacific Head Office, Singapore), Negotiated special chip pricing with NXP, Infineon and Samsung for the Asia Pacific region. On average chip prices for Asia Pacific were 20%-30% lower then any other region in the world., Negotiated with Sony Corporation to develop a unique chip platform capable of supporting FeliCa and Visa's EMV application on a single chip. The chip platform supports transit payments as well as EMV payment using a single card., Negotiated with JCB International for JCB to utilise Visa's contactless specifications and platforms globally and for the installation of over 7000 readers into the Taiwan market., Managed the development of specific chip platforms with global chip manufacturers to meet specific country requirements. This resulted in over 1.5M Visa cards being issued across the region., Managed the design, development and launch of Visa's global contactless platform (payWave). This required over three years of negotiation at the global level to have the platform accepted as the global platform. This platform included not only the design of the application on the chip but also the reader and the communications between reader and terminal., Managed the world's first pilot program to test payWave operating over an NFC interface on a mobile phone., Negotiated with Head Office and Regional Offices for the Asia Pacific designed and developed contactless platform to be adopted as the global contactless payment platform.
• Chief Information Officer, Cassis International (Singapore), Establishment of group IT infrastructure, Implementation of bureau personalisation services and loyalty solution to financial institutions in Malaysia, Customer presentations, Vendor supplier negotiations, Project Management of the implementation of Cassis services into Southern Bank in Malaysia
• Manager Consulting and Global Solutions, Cards etc, Development of a standardised process for responding to RFP's, Establishment of a standardized implementation project plan and procedures
• Manager Partnerships and Alliances, Cards etc, Re-architected core platform, isolating core processing system from peripheral interfaces allowing integration to customers systems and personalisation machines without requiring changes or modifications to the core processing system, Focused development of Core system resulting in the development of a product within 7 months. Prior to this focused development program, 3 platforms had been developed over 3 years with no plan on how to integrate into a single platform, Built development 3 year roadmap for product development focusing development to meet market requirements, Development of sales strategies and sales tools

• Chief Technology Officer, International Bank of Australia (IBoA), 10/2018, Present, IBoA is Australia’s youngest bank having been provided a Restricted Authorised Deposit-taking Institution (RADI). The strategy of the bank is to develop a platform allowing accounts to be opened off-shore and in Australia at the same time and for these to be accessed through a single mobile app.
• Chief Technology Officer, Bluechain, 07/2016, 09/2018, Bluechain was a Fintech start-up which was to developed a patented security process to secure peer-to-peer transactions over open communication channels.
• Chief Information Officer, Australia International United Holdings Group, 01/2015, 06/2016, AIUHG was a start-up which was developing a wealth management platform for foreign investors with a scheme card attached to the customer portfolio account allowing customers to make purchases with funds being drawn down, real-time, from selected portfolio accounts.
• Principle Architect - Technology and Business (Payments, Banking and Wealth), Australia Post, Melbourne, 04/2012, 12/2014, Australia Post is the government body providing postal and parcel services within Australia. Post are looking to increase the products and services they are able to offer to the market and are developing a range of payment services.
• Senior Project Manager - PCI Compliance, ANZ, Melbourne, 07/2011, 04/2012, One of Australia's four Tier 1 banks providing financial services and products to Australian, New Zealand and throughout Asia Pacific.
• Solution Architect, National Australia Bank, Melbourne, 03/2010, 06/2011, One of Australia's four Tier 1 banks providing financial services and products to the Australian, New Zealand and United Kingdom markets.
• Chief Operating Officer/Chief Information Officer, Corum Group Ltd, 04/2007, 12/2009, Australian Public company providing a unique blend of solutions to the real estate, local government, public organsiations financial services and pharmacy health care sectors. The company's eCommerce business delivers high volume payment processing solutions to corporations and local councils, the Real Estate division provides rent collection solutions and training services to franchises and independent agents, its Health Services solutions enhance the operations, services and profitability of pharmacies. Notable clients include AGL, Federal Express, Wollongong Council, Baulkham Hills Council and Waverley Council, LJ Hooker, Ray White, Century 21 and Chemist Warehouse and Discount Drug Stores.
• Director Payment Technology Platform and Strategy, Visa International (Asia Pacific Head Office, Singapore), Singapore, 03/2003, 03/2007, Multinational Corporation based in San Francisco, California USA. The company operates the world's largest electronic payment network managing payments among financial institutions, merchants, consumers, businesses and government entities. Before Visa incorporation in early 2008, it was operated as a cooperative of some 21,000 financial institutions that issued and marketed Visa products including credit and debit cards. In September 2007, Visa introduced Visa payWave, a contactless technology feature that allows cardholders to wave their card in front of contactless payment reader without the need to physically swipe or insert the card into a point-of-sale device.
• Chief Information Officer, Cassis International (Singapore), Singapore, 03/2002, 03/2003, Privately held company based in Singapore, providing managed chip card personalisation services and loyalty platform solutions to the finance and telecommunications sectors. The company provides managed services for EMV card personalisation and Trusted Services Management (TSM) platforms for the finance and mobile sectors respectively, as well as retail loyalty platforms.
• Manager Consulting and Global Solutions; and Manager Partnerships and Alliances APAC, Cards ETC, Sydney, 10/2000, 03/2002, Was a privately held company based in Sydney, Australia, developing a chip card personalisation and management platform for financial organisations and bureau services providers. Notable clients include Acer computers, First Data International and National Australia Bank.
• Executive Manager, Technology Strategies, Commonwealth Bank of Australia, Card Service, 10/1995, 07/1997
• Senior Business Development Manager, Mondex International, APAC, 08/1997, 10/2000
• Senior Research Consultant, (Technical Research and Planning), Commonwealth Bank of Australia, 03/1995, 10/1995
• Product Manager (Direct Entry, Automated Funds Transfer, Personalised Books), Commonwealth Bank of Australia, 10/1994, 03/1995
• Senior Security Consultant - IT Security (Support, Architecture and Policy Group), Commonwealth Bank of Australia, 11/1992, 10/1994