Many of the innovations and standards used in Internet and electronic payments since the emergence of the commercial Internet in 1994 were developed by the team at Voice Commerce Group, including the creation of the Internet Payments Guarantee Solution to protect businesses and cardholders from fraud.
Nick Ogden - Chairman
A serial entrepreneur Nick has consistently been at the forefront of innovation in technology since 1985. In 1993, he founded Multi Media Investments Limited, a technology research and development company that brought the Internet to the Channel Islands through Interactive Telephony Ltd. This led to the construction of Europe's first on-line store, Wine Warehouse, in October 1994 and the development of one of the first bank-endorsed e-commerce initiatives in the form of the UK's first electronic shopping mall, 'BarclaySquare', in 1995.
In 1997 Nick founded WorldPay, which guarantees internet transactions worldwide, and led the company through its growth to over 270 employees with 20,000 merchants in 120 countries and processing transactions in excess of $2bn per annum. WorldPay was acquired by the Royal Bank of Scotland in 2002.
In 2003 Nick, together with several former colleagues from WorldPay, formed the Voice Commerce Group to develop mobile payment systems which allow individuals to identify themselves using a voice signature. Voice Commerce is a principal issuing and acquiring member of Visa Europe and MasterCard and regulated in the EU by the UK FCA, a full member of SWIFT, the Interbank clearing network and a full member of the UK Payments Council.
Nick has been recognized by a number of industry awards including the UK Ernst and Young Entrepreneur of the Year Award, the Computer World Global IT Leaders award, the ID People Awards 2009 and most recently, the National Business Awards UK in partnership with Orange, in which he won the Entrepreneur of the Year category 2010-2011. In 2011 he was made a Fellow of the Royal Society of the Arts and in 2012 was enrolled as Honorary Certified International Cards and Payments Professional by ICAP.
For a detailed profile, visit: Nick Ogden's LinkedIn Profile
Neil Graham - Chief Executive Officer
Neil is primarily responsible for the company's overall corporate strategy and business development.
Neil was formerly Regional Managing Director at Western Union Business Solutions and Travelex Global Business Payments and held Directorships at two FCA regulated payment institutions.
Neil's background is in General Management, Sales, Information Technology Consulting and Product Management. Following successful careers with Lucas Industries, Paxus Services and Financial Systems in New Zealand, Neil spent 14 years in consulting, sales and senior management roles with Oracle Corporation in Asia Pacific. Neil moved to Asia with Oracle in 1997 and held various Asia Pacific wide management posts to Vice President level in Indonesia, India, Malaysia and Singapore.
Neil brings a breadth and depth of global and senior management experience to his role at Cashflows.
Neil was educated in New Zealand and the United Kingdom and carries various diplomas in Information Management.
For a detailed profile, visit: Neil Graham's LinkedIn Profile
James Richardson - Chief Financial Officer
James is Chief Financial Officer (CFO) of CashFlows, joining the business in September 2012 with responsibility for Finance, Accounting, Credit & Risk, Compliance and Legal.
James was previously CFO of Globalpayments Western Europe, part of Global Payments Inc, a Fortune 1000 business, where he led finance, accounting, pricing and business development across the region. James joined Globalpayments from HSBC bank after he led the sale of the banks UK Card Acquiring business to Globalpayments in 2008.
James is a Chartered Accountant, having started his career in audit and business advisory with PricewaterhouseCoopers before specializing in mergers, acquisitions and business development, working with private equity and debt investors funding expansion for fast growing, high potential companies and their management teams.
For a detailed profile, visit: James Richardson's LinkedIn Profile