ABOUT US With more than 20 years of experience in the card industry, Roy launched the highly successful American Express commercial card business in the UK, going on to lead product rollout across EMEA and latterly Latin America/Caribbean. Commercial card engagements have included work with corporate card issuers from South Africa to Russia and Singapore to Ireland. SPM has also served issuers and associations in the planning, launch and strengthening of business card and fleet card programmes. Loyalty initiatives have included leading feasibility studies and business start-ups for highly successful Air Miles coalition programmes in the Netherlands and Spain, together with audits of rewards programmes for issuers in the UK, Canada, Brazil, Spain, Singapore, Saudi Arabia, and Turkey. Most recently, he was the founding member of the team which developed the ground-breaking YourPoints programme for NatWest and Coutts Bank, subsequently adopted by Ulster Bank for roll-out in Northern Ireland and the Republic of Ireland. Roy has also been engaged to advise on airline FF programmes, and is a member of the MasterCard Global Advisor pool. He speaks fluent Spanish, is proficient in French and is the author of Marketing Planning for Financial Services (Gower Publishing, 2005), recently translated into Russian and Czech. He has a B.Com. degree, and holds an MA in Management Studies.