Howard Charles Allen

Experience

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  Crown Berger Paints

  Jan 1982 - Jan 1988

  Brand Group Manager

  Managed one of the largest consumer marketing budgets in the UK in the mid 80's. Covered product development, sales promotion and TV advertising. Winner UK Advertising Industry Effectiveness Award

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  American Express

  Jan 1990 - Jan 2005

  Vice President & General Manager

  Roles in: General Management; Strategic Planning; IT Management, Sales Management and Marketing. Roughly equal time in Asia-Pacific and Europe plus several global initiatives, located in London, Paris, Tokyo, Sydney and Singapore. Representative Director on Board of Link.

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  Lafferty Group

  Jan 2005 - Dec 2013

  CEO Asia Pacific

  Advisory work for banks, central banks and finance industry service providers - including: advising a central bank on their payments systems roadmap; advising a large IT provider on the market for bank outsourced transaction processing; advising a US based private equity group on valuation of a South Korean banking asset for an arbitration dispute. Lead faculty member for Cards and Payments of the Lafferty International Academy of Retail Banking. Chairman of the Lafferty Global Merchant Services Council. Show less

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  Optima Capital

  Jan 2006 - Dec 2013

  Principal

  Private Equity, Due Diligence and M&A work in consumer finance including: the launch of MCB Finance Group; retained by an Asia based payments network to identify joint venture opportunities; retained by a NYSE quoted credit card processor to identify acquisition opportunities. Chairman and founder of Credit 24 Finance Company.

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  Payfriendz

  Jul 2013 - Apr 2017

  Co Founder, Director, CEO

  Start up at the heart of the London and Berlin Fintech space. Covered all aspects of establishing a digital financial services business. Within a variety of roles (CEO, CFO, Development Director) covered Finance, Accounting, Risk Management, Regulatory Compliance, Digital Product Design, Business Development, Operations and Customer Experience. Gained FCA approval and operated as a fully licensed Electronic Money Institution and achieved number one status in The App Store. Member of the Payment System Regulator Horizon Scanning Working Group and Electronic Money Association. Show less

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  HealthMoni

  Aug 2018 - now

  Founder & CEO

  Health and Care financial services. HealthMoni..helping people take care of themselves and others