VocaLink Leadership Team

David Yates
Chief Executive Officer

David Yates joined VocaLink as CEO in 2012 bringing to the role nearly 30 years of experience in the payments and transaction processing industries.

Prior to joining VocaLink, David was President of Western Union with responsibility for Business Development and Innovation. At Western Union, David oversaw the development of strategy for e-Commerce, Mobile Payments, Business Payments and Pre-Paid Cards. Previously he spent six years at First Data Corporation (FDC), most recently as Executive Vice President managing all of FDC's activities outside of the US, including merchant acquiring, merchant transaction processing, issuer processing and ATM network solutions business units. David has also served in executive roles with several major international corporations, including IBM, General Electric and American Management Systems.

David currently serves on the Board of WorldPay, Europe's largest acquirer and e-Commerce specialist. David has a master's degree in law from Oxford University and is fluent in German and French.

Tim Ensor-Clinch
Chief Legal Officer

Tim joined Bacs in 2003 to assist with the corporate restructuring process from which VocaLink was created as a separate infrastructure provider.

He is responsible for the provision of legal and company secretarial services and is counsel to the group board, chairman and chief executive officer.  Tim is also group company secretary for the holding company and intermediate subsidiary companies. His department is responsible for the management and provision of all legal and related advice and assistance across all business divisions.

Tim has been instrumental in the development of the VocaLink core scheme legal frameworks and the development of the company's corporate governance structure. Tim was called to the Bar in 1997 and has over 10 years experience as in-house counsel working in diverse industries.

Ian Gausden
Managing Director of LINK ATM Services

Ian joined LINK Interchange Network in 2006 and is Managing Director of LINK ATM Services, with responsibility for VocaLink’s Link Scheme processing and the AMS driving businesses.

Previously Ian served as VocaLink’s Chief Operating Officer responsible for all aspects of IT and operations.

Ian has more than 20 years management experience within the UK payments and consultancy industry, principally at Barclaycard's Merchant Acquiring business where he was Head of Information Systems.

Claire Hafner
Chief Financial Officer

Claire joined VocaLink in August 2009 as Chief Financial Officer (CFO), and is responsible for all aspects of the company's financial management, including the accounting, commercial and procurement.

Claire joined VocaLink from Eversheds LLP where she was Finance Director (FD). In this role she was instrumental in turning around the financial operations of the company and running the IT, facilities and procurement functions. She also introduced a new global account management system that helped the company to win the FT Innovation Award for its billing and fee offering in 2008.

Prior to Eversheds, Claire worked as the acting FD of LCH Clearnet, and before this as the first FD of the IT and Operations division at Barclays Bank. In this position she set up the division's financial strategy and led large outsourcing and cost reduction initiatives across the business. Claire also held several finance director divisional roles at British Telecommunications as well as holding various board positions in BT's international joint ventures.

Debbie Lombard
Chief Human Resources Officer

Debbie joined Bacs in 1991. Within VocaLink she is responsible for enabling high levels of performance amongst all employees.

Working in partnership with executive and senior management, her primary aim is to identify, recommend and implement all aspects of human resources and operational development strategy.

Debbie has over 15 years experience with the organisation; a multi-site company that has transformed from an operational not-for-profit organisation into a commercial and competitive player in the international payments industry.


Chris Rawson
Chief Operating Officer

Chris joined VocaLink as Chief Operating Officer in September 2013. He is responsible for IT and operations, ensuring VocaLink's reputation is protected and enhanced through the delivery of high availability services to the payments industry, both in the UK and overseas.

His portfolio of projects and programmes is extensive but they have a common theme - delivering high quality products in a competitive and challenging financial services environment.

Prior to joining VocaLink, Chris worked with a number of prominent companies as a transformation director, leading major business change initiatives to introduce cost efficiencies and drive value for his clients. He has a strong background in IT, over more than 35 years, and spent many years as CIO in well known financial services organisations.  Chris offers both strategic vision and execution experience in a wide variety of technical and managerial roles, in both an executive and non-executive capacity.  He served as a non-executive director of ACORD and is a regular conference speaker.

Paul Stoddart
Managing Director Strategy and Business Development

Paul joined VocaLink’s board in 2012 and is currently the Chief of Staff for Barclays Corporate Banking division.

Paul has over 17 years’ experience in the banking sector and a strong track record of driving strategic change. He joined Barclays in 1996, and has held a number of roles across the bank, including COO for Structured Capital Markets and Private Equity and most recently Chief Operating Officer for Corporate Banking until his appointment as Chief of Staff in January 2014. Paul is a member of the Corporate Banking Executive Committee.

His career has taken him as far afield as the Middle East during an 18 month secondment with the Qatar Investment Authority where, as acting COO, he was responsible for building and strengthening QIA's operating platform.  On his return from secondment in 2010 he was appointed CFO of Barclays Corporate Banking, and subsequently COO in 2012.

Paul is a chartered accountant and holds a degree in industrial economics from Nottingham University.

Marc Terry
Managing Director Commercial Services

Marc Terry joined VocaLink in December 2010 and is responsible for the strategic leadership and development of the company's Commercial Services business. Key responsibilities include managing VocaLink's core contracts for Bacs, Faster Payments and the UK Government.

Marc has more than 20 years experience in both the Cards and Payments Industry, moving from sales, marketing and business development positions through to general management. Marc's experience includes over 17 years with the international provider of payment systems, ACI, encompassing both EMEA and America's responsibilities.

Most recently he was Managing Director of EMEA for Clear2Pay, leading the company through growth securing contracts with organisations such as Standard Bank SA, PBS, Santander and CEDICAM in France.

Bijal Desai
Chief Risk Officer

Bijal Desai joined VocaLink as Chief Risk Officer in September 2013 and is responsible for defining and delivering a risk management framework, which supports business growth opportunities.

Bijal’s previous role was at Macquarie Group where he managed a robust operational risk management framework for the Group’s funds management business, against a background of significant business growth and cost management initiatives.  Prior to this, Bijal held senior risk and assurance roles at Babcock & Brown, JPMorgan Chase, Goldman Sachs, Deutsche Bank and KPMG.  He has nearly twenty-five years of experience in financial services and risk management.

Bijal is a Chartered Accountant and holds a degree in Money, Banking and Finance from the University of Birmingham. 

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