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Euan McLeod is a seasoned professional with extensive experience in the financial sector, currently serving as a Strategy and Proposition Consultant/Advisor at Pay.UK, where responsibilities include leading the end-to-end propositional development of account-to-account payments. Prior to this role, Euan was a Partner at HAL Consulting, specializing in resolving pricing strategy and regulatory issues. Euan's previous roles at Tesco Bank spanned nearly 17 years, encompassing positions such as Head of Deposits, Head of Personal Loans, and Senior Commercial Manager within Banking. Euan also gained foundational experience at RBS, holding the position of Manager in Telemarketing Development. This diverse background combines a strong understanding of banking operations and strategic consulting.