Fnality International

Michelle has over 20 years of leadership experience in financial services, with responsibility for leading and transforming businesses spanning large geographies, regulatory domains, and asset classes. Prior to Fnality, she served as head of the Markets Group at the New York Fed, held senior executive roles at major global banks including CEO of BNY Markets and served in non-exec board roles at a range of leading market infrastructure companies.

Jan brings more than two decades of experience from multinational financial services groups and entrepreneurial ventures. As our CFO he provides the background in banking, insurance, payments, and fintech needed to bolster our technology and business innovation. He is a chartered accountant with a master’s degree in history, as well as specific qualifications in finance and marketing.

Gary combines legal excellence with a deep understanding of business, technology and policy drivers to deliver first-rate advice. Before joining Fnality International, Gary practised law at a global investment bank and leading firms in England and Australia. His work in FinTech has been recognised by FT Innovative Lawyers Awards Europe and Legal500 UK. He holds a law degree from The University of Melbourne and qualifications in finance and music.

Rob is an accomplished executive with over 20 years of global experience driving innovation in Technology and HR Services. A proven founder and leader, he excels in building high-performing teams and mission-driven solutions. As Chief Organisation Officer at Fnality, he leads People, Change and Product, driving strategic initiatives to deliver customer value.

Nick has over 20 years of experience as a COO and CRO in top Global Markets, successfully building and restructuring institutional businesses during market turmoil. He has extensive experience in finance startups and holds a doctorate in combined mathematics and engineering, providing him with strong analytical skills to enhance business operations.

Bringing extensive experience in various technology settings, such as digital banking, payments, eCommunication, and Cognitive Computing, her skills encompass strategy development, implementation, and day-to-day operations of digital technology products and services that impact a company’s bottom line. Nicola leads the development and implementation of strategies by fostering robust consumer trust and connections.

Rhomaios Ram has been the CEO of Fnality International since its inception and consortium head of Utility Settlement Coin, its research-based forerunner, since 2017. He is a former banking executive with more than 22 years of experience in traditional banking. Rhom brings experience of working across a wide variety of wholesale banking businesses and functions including sales, trading, product management, and technology to his role at Fnality.

David served as Assistant Secretary for Management at the U.S. Treasury (2018-2021) and received the Hamilton Medal for his contributions. Prior to public service, David was a prominent Wall Street executive, high-growth CEO, entrepreneur, investor, and advisor known for his work in emerging technology and fintech. He has also chaired various nonprofit organisations.