Richard has lead assignments with banks and financial institutions for over 7 years. These assignments cover the full range of specialist areas covered by Genesis Analytics from working with Boards and management on addressing strategic challenges and bank acquisitions, to advising clients on treasury strategy, to the development of effective retail value propositions and effective pricing strategies. Richard has a particular interest and focus on payments and money transfers, solving the challenges of providing banking services to small businesses, and pricing strategies. Richard has advised many of the top banks in our geographic area. Richard is an accomplished speaker, and lectures widely on topics in retail banking. Before joining Genesis, Richard was the Head of Strategy: Africa for Standard Bank, where his responsibility extended to 17 countries, and was focused on mergers and acquisitions, retail and card strategies. He has also worked in Debt Management, Global markets and Macro-economic policy. When not consulting Richard is producing art works. Specialties: Banking strategy, pricing strategy, bank board facilitation, retail banking strategy, mobile payments, SME banking, ALCO and balance sheet management, banking in Africa, value proposition development, GCC bank strategy.