We're VocaLink


We believe that economies are powered by easy access to and movement of money. We empower businesses and consumers to move money by sharing our technology and payment industry expertise. We're VocaLink. Powering economies, empowering people.

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DELIVERING INNOVATION FROM A SOLID PLATFORM

VOCALINK MILESTONES

Leadership Team

VocaLink was formed out of the merger between Voca Limited and LINK Interchange Network Limited on 2 July 2007. As part of the merger a newly established holding company was formed - VocaLink Holdings Limited.

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Our People

At VocaLink every employee is an expert at what they do. Our three core values - Passionate, Persistent and Pragmatic - guide our decision making as our business evolves

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Achieving Our ambition

Our Values

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Jason Welham

Corporate Development manager

Passionate
About Performance


Jason Welham

Corporate Development manager

I think it’s fair to say that without a team of people who are passionate about performance we couldn’t have achieved what we have over the past few years. Three years ago we set ourselves an ambitious goal - to diversify VocaLink’s range of products and services, realise the potential of real-time technology and extend our reach into new international markets. As a company, we‘ve transformed from a UK centric organisation to a global payments partner, working with banks, governments and ACHs across the world to shape the payments landscape.

Having a team of passionate people makes realising such ambitions possible. It’s a value that puts you on the path to success and keeps you on track, even when times are tough. When you achieve your goals, the pride you have in knowing that you have done great work further drives that passion within your workforce, propelling you even further. It’s a virtuous circle that lives within VocaLink.

As Corporate Development Manager, I’m part of the team responsible for leading VocaLink into the next phase. I advise on when and how our business should grow and evolve. At VocaLink, I’m fortunate enough to be surrounded by a group of dedicated and skilled individuals who work with me to make this happen. Every employee is an expert at what they do and cares about the future of VocaLink. We settle for nothing short of excellence when it comes to the products we design, the partnerships we forge and the services we deliver. Over the past 18 months in particular, I’ve relied on the support, passion and expertise from every corner of our business to get major projects across the line.

The next chapter in our story will see us join forces with Mastercard (subject to clearance from the relevant competition authorities), who have described VocaLink’s employees as ‘a very talented group of people that are top notch in their business and truly respected across the industry.’ This was reflected in the numerous conversations I had with Mastercard and I couldn’t agree more.

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Rebecca Lury

Senior Policy & Public Affairs Manager

Pragmatic
and grounded in reality


Rebecca Lury

Senior Policy & Public Affairs Manager

As a Policy & Public Affairs Manager, I help to minimise the impact of regulation and legislation on VocaLink, alongside maximising the opportunities for achieving our business objectives.

The Regulatory & Corporate Affairs team is always working to solve problems, so being pragmatic and grounded in reality is something we live by every day. Our team harnesses the brain power from across VocaLink to develop solutions that address real world problems, making life and business better and easier for individuals and organisations.

Our job is about working with parliamentarians, regulators and other stakeholders. We see the challenges that they face, and our solutions reflect their priorities. Being pragmatic and grounded in reality allows us to come up with solutions that can benefit the whole of the UK population.

We recently published a paper called Inclusive by Design which looks at the challenges faced by individuals and small businesses in making payments. The paper set out some potential solutions to this problem. Being pragmatic and grounded in reality meant that we had a clear focus for the report, and are now going to use it to engage more widely over the coming months to help support our business’s objectives.

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Rajiv Garodia

MD Zapp and International Business

Persistent
in our pursuit of advancement


Rajiv Garodia

MD Zapp and International Business

A few weeks ago I was lucky enough to witness a huge milestone in the Pay by Bank App journey- the moment we went live. Our team has worked tirelessly for the past three years to get Pay by Bank App off the ground. This is a team that has experienced all the highs and lows that come with innovating in unchartered waters and as a leader it was a great privilege to see them enjoy the moment their vision became reality. I won’t forget that any time soon!

As MD of Zapp, VocaLink’s alternative payments business, I lead a team of ‘intrapreneurs’ - expert individuals who innovate, think big and overcome obstacles every day within the walls of our head office. Zapp is an incubator for payments innovation. We’ve been breaking new ground since our inception 3 years ago, constantly evolving to bring a product to market that has the potential to change the future of debit payments around the world.

Bringing new payment technology to market is a complicated process with lots of moving parts. You need to be tapped into the rhythm of society- new cultures, new customers and their day-to-day needs. Lots of questions come your way. It’s something new, it’s an unknown and there will be doubters, naturally. You also need to be willing to go back to the drawing board, design from scratch, collaborate, test with participants and make refinement after refinement until it’s a perfect piece of technology that’s worthy of the VocaLink seal of approval. In an industry that’s constantly evolving that’s not easy. So it’s no surprise that one of VocaLink’s core values resonates so deeply with the Zapp team- persistence. At Zapp, we know we need to be persistent in our pursuit of advancement.

I’m a firm believer that if you believe in your values you can weather any storm. Being persistent is a value that has stood us in good stead over the years. It’s a value that has given us the confidence to go and knock on the door of new countries that we’ve never worked with before and grow new business opportunities. Persistence is the reason we are going live with 3.5 million Barclays Pingit customers this year and it’s the reason that many more businesses are engaging with VocaLink to leverage our world-class payment systems internationally.

It takes a long time to get a product like PBBA to market and that can lead to doubt creeping into your team. You begin to wonder if you’ll ever reach the finish line and achieve the ambitious goals you’ve set yourselves. It’s a slow process but being persistent is a value that keeps the momentum going and gives you the tenacity to not give up. You turn difficult situations into learning experiences and carry that knowledge forward.

We’ve reached a game changing moment in Zapp’s history. Suddenly the whole eco-system has woken up to the potential that PBBA brings and are excited at the prospect of joining forces. If there’s ever a time that persistence had paid off, it’s now. Watch this space!

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Linda Forsey

Security Governance Manager, AIMS

Passionate
About Performance


Linda Forsey

Security Governance Manager, AIMS

As VocaLink’s star continues to rise and with technology advancing all the time, we’ve seen a new level of threat arise for our business. Without a watertight security operation to address these challenges, VocaLink would not be able to function and this piece of critical national infrastructure would fall over. It’s as simple as that.

The AIMS team is a crucial cog in the VocaLink machine. We’re responsible for access and identity management across the business, ensuring that any loss of data or service is prevented, maintain processes and controls. As Security Governance Manager, it’s my job to ensure that our team does everything it can to protect VocaLink’s world-class reputation and help the business to thrive. That’s our job.

But for us this isn’t just a job. It’s about believing that everything that we do as a team is worthwhile. We believe in, and are passionate about, the performance of our products. VocaLink has been good to us, and we care about the success of our company, our customers and our colleagues so there’s no room for error in our world. This passion for performance pushes us to get things right, every time. It’s a value that transcends every layer of our team, from senior managers to our industrial placement students, and it’s important because it gives us the fuel to keep VocaLink secure running like clockwork.

The benefits of having a team that is passionate about performance really came to light last year with the launch of our Access Provisioning Tool. From day one, we really cared about getting it right, both from a security perspective and from our customers’ point of view.  We also played a key role in the launch of Accura, VocaLink’s new insights business, ensuring that the right access and controls were in place to realise the potential of this latest venture. We’re passionate about the success of all of our products, new and existing. You only become world-class when you care enough to put your all into something. For us, good is only a starting point and achieving greatness  is always the main aim. When VocaLink succeeds, we succeed.

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Steve Lovegrove

Senior Legal Counsel, Legal

Pragmatic
and grounded in reality


Steve Lovegrove

Senior Legal Counsel, Legal

As Senior Legal Counsel, I am part of a team that provides legal advice to the company, whether in relation to its contracts with customers and suppliers, trademarks, property and building works, marketing and interactions with regulators; and, if a dispute occurs, we are there to help colleagues understand what we should do. Our products and services are highly regulated with payment schemes and the Payment Systems Regulator, supervising our services to the banks and indirectly to the public. So it’s important that we have a rock solid legal team that can help to create world class payment solutions. As a team, there are some days (or weeks) where we will be focussed on a particular project or negotiation but the legal team is usually managing a lot of different projects at the same time. 

 

The legal team plays an important role in VocaLink’s purpose of powering economies, empowering people.  We contribute to this in a number of ways and one of the most important is that we act as a connector between all the moving parts.  From negotiating and agreeing the contracts to ensuring that our services are open, secure and good value for money. Being pragmatic and grounded in reality means giving advice and driving solutions that work.  Our job is to know what has worked (and what failed), what can work (and what cannot), and how to tell the difference.  Sometimes this means being the “sensible person in the room” – quite often it means coming up with a new way of working which achieves what the business needs.

Keeping this value alive day-in-day-out requires the legal team to listen closely to the business drivers of the customer, to challenge the assumptions that may underpin those drivers and, once a good understanding has been formed, to give decisive transparent advice to the business on the best legal structure for the solution. We’ve got to be dynamic, driven to achieve a successful outcome. We also have to be realistic about what’s not possible and deliver a pragmatic compromise that works for all involved. 

Living this value is important because it gives credibility, both to the legal team’s advice and to VocaLink as a company.  We strive to be a trusted business advisor that leads the company, and the wider payments industry, in rolling our sleeves up and getting business done. I think it’s great to work for a company whose services are used by practically every person in the UK – and soon, rather a lot of other folk around the world!

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Peter Needham

Head of Pre Sales, Solution Design and Architecture

Persistent
in our pursuit of advancement


Peter Needham

Head of Pre Sales, Solution Design and Architecture

As VocaLink Product Architects, we are responsible for designing the next generation of payments products – and that includes critical national payments infrastructures. The payments landscape is undergoing dramatic changes; regulators are looking to increase competition while operators want to provide new services and financial institutions seek to reduce costs. Our team plays a key role in helping to balance these often conflicting goals. Being persistent in our pursuit of advancement means that we support new enterprise and fair competition by modelling the change that we want to see in the world of payments.

Introducing new payment capabilities that help people take better control of their finances means challenging the sort of ingrained attitudes that often stifle innovation. “We’ve always done it that way” is not a good enough justification and means that we need to challenge the status quo, often by asking the simple question: ‘Why?’. In our team, being persistent in our pursuit of advancement isn’t about innovating for innovation’s sake. It’s about trusting in our expertise and having the confidence to tell a customer that they could look at things differently.

Part of the challenge of designing a Product (rather than just a one-off system) is that you need to design in the flexibility and configurability that will allow your product to run in many customer environments, on many different technology stacks and addressing a range of similar, but differing, requirements. Internally, it’s our job to ensure that our development teams take the time to build and implement systems as they were designed. Often, a developer will look just at the problem in front of them, for example; “how do I build this code to transform this particular message format” when they should really be asking “how can I build this code so that it will transform any message format”. We faced this challenge with the IPS product where the message format was hard-coded within the application and we replaced this with an external transformer that can easily extended to support new message formats. This took longer to build a flexible component – but the persistence has paid off by greatly reducing the cost of IPS customisation and implementation. It can be all too easy to focus on deadlines and the requirement at hand and lose sight of the need for flexibility and reusability. Product Architects need to know when to compromise and when to insist that it’s done right – and that takes persistence.

As a team, we have to navigate the river of innovation that is running through the payments landscape both nationally and globally. Our role is to drive new ideas and new ways of thinking and back the initiatives that will have a real impact – not just on payments but on people’s lives -  whilst ensuring that we continue to design resilient and reliable products. We’re a part of the Company that is enabling a seismic shift in the industry – which is pretty cool, I think.   

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Fiona Poole

Solution Delivery Manager, ATM Managed Service area of CTS

Passionate
About Performance


Fiona Poole

Solution Delivery Manager, ATM Managed Service area of CTS

For the past three years I have led a team of Business Systems Analysts and Developers at VocaLink’s Card Transaction Service. From the technical governance of new solutions to ensuring that we have the people and skills we need, I drive and support a culture of continuous improvement for the ATM Managed Service business.

Passion isn’t something that a leader can teach. It’s something that’s engrained in people when they genuinely care about what they do. I inherited a team of exceptionally talented and focused individuals who are ‘a team’ in the fullest sense of the word. No one person is bigger than the whole and the whole is greater than the sum of its parts. We’re an eclectic mix of characters that share in a core value: passion for performance.

As a technology focused team, we hold quality in high regard. Tasks should be completed using the right processes and procedures to maintain a great overall performance. Our team has a clear passion and interest in learning about different subject areas within Solutions Delivery. This curiosity increases the quality of work and performance, and further ignites our passion along the way.

But this isn’t just about technical standards. We perform at a high level in the way we communicate, engage with other teams, plan our work, and take responsibility for our deliverables.We all work hard for our business, and for each other. We want every member of our team to excel at what they do so we share in each other’s successes and rally together when we’re up against a fresh challenge.

I am fortunate enough to lead a team of people who set their own high standards and for whom the ‘how’ is as important as the ‘what’. This a group that is always looking for better ways of doing things and who deliver exceptional quality for VocaLink’s customers and employees. I strive to lead in a way that allows this positive culture to thrive, empowering individuals to bring their ideas and talents to the table and providing them with the support and tools they need to realise their aspirations.  

I think I speak for the whole team when I say that work is a good place to be.

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Andrea Clifton

HR Business Partner

Pragmatic
and grounded in reality


Andrea Clifton

HR Business Partner

As HR Business Partners, it’s our responsibility to forge strong working relationships with senior managers across VocaLink. That means being a visible and approachable team that can work collaboratively with colleagues. Day to day, we help to deliver on all activities related to our employees, ensuring that VocaLink has the people and the expertise it needs to continue to deliver ground-breaking payment technology and achieve its strategic objectives.

Empowering people is at the heart of what we do. We partner with teams from across the business to provide the guidance, formal coaching and general advice they need to succeed in their role and grow within their roles. The nature of our work means that we work with a lot of different perspectives and personalities every day. We often find that best practice solutions need to be tweaked to meet our organisations specific needs. There’s rarely a ‘one size fits all’ solution and it’s important to be open and honest but also pragmatic in how we approach issues. That way we find solutions that work.

Being pragmatic and grounded in reality calls for us to be in touch with the business and aware of the realities our people face day to day. This also means staying at the forefront of the realities and challenges that our business is facing, while challenging the status quo at the same time. By being pragmatic and grounded in reality we are able to make informed changes as and when required. For example, technology is revolutionizing the way we do business and the drive towards automation means that we’ve had to challenge our thinking on how best to engage with employees. We’ve adopted a mix of face-to-face communications and various digital channels to provide employees with a choice of options in how they would like to engage with our department.

I’m very proud to be part of a HR team that makes decisions for the right reasons, based on a rich understanding of our business and a desire to do what’s best for our employees.

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Jon Buckley

Platform Services Manager, COO/Service Operations

Persistent
in our pursuit of advancement


Jon Buckley

Platform Services Manager, COO/Service Operations

My team, Platform Services, are responsible for the operational support, maintenance and change in relation to the underlying infrastructure for our Core and Corporate IT Services. In essence, my team play a big part in the key services that underpin the UK national payments infrastructure for all Schemes (FPS, Bacs and LINK), our international innovations (access gateways and our real-time software solution IPS), and our IT corporate service for all staff.

There is no disputing that the world of payments has transformed rapidly over the past ten years. The introduction of the Payment Systems Regulator and PSD2 means that access to the market has also opened up. Competition continues to grow stronger in the ever-changing landscape of real-time and mobile payments. We need to be smarter and more efficient in the face of these challenges and that is where my team excels. We were part of a recent project on Virtualisation, which allowed us to provision environments more effectively and reduce our data centre footprint enabling us to become quicker to market. By using our resources more effectively, we have been able to provide a smarter ‘base’ from which we can provide enhanced products and services both domestically and internationally. During the course of 2017 we will be upgrading our platform further, which will refresh and improve Faster Payments and LINK services – both solutions will deliver greater capacity and performance capability therefore preparing us for the future increase in volumes for these key services.

Being persistent means that our team continuously embrace the challenges we face on a daily basis. I’ve always liked the quote that ‘excellence is not a skill, it’s an attitude’ and we bring that attitude to the table. We are always looking at ways to improve whilst being cognisant of our future business direction. Our corporate IT teams have collectively worked very hard to improve our IT offering at a time of rapid growth. That’s no easy task, and I think that our team on the ground fixing issues and helping us all with day to day IT queries do a fantastic job in keeping the show running. The following 4 Corporate IT pillars are our areas of focus: Improving our Virtual Desktop Infrastructure, enabling smarter collaboration, improving our developer infrastructure and improved internet browsing to ensure we continue to operate in the way our business needs.

The delivery of the Pay by Bank App service and the successful development of real-time payments for both Singapore and the US were projects that took a huge amount of effort and focus. The underlying development platforms for these high profile solutions are an essential part of the products and services we provide to our customers. When we look back over the past 12 months in particular and take stock of how high we’ve raised the bar through our technical services, it really is something to be proud of.

My team demonstrate their expertise on a daily basis by being persistent in our pursuit of advancement, directly impacting how VocaLink are setting the tone for the industry. We are a dynamic team and as the demand grows, so will our team.

Careers

People are our most vital asset. We offer specialised payment services, so we know the value that experienced and engaging professionals bring to our organisation.

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OUR EXPERTISE

As a global payments provider, we play an important role in shaping the global payments landscape and evolving the ways payments are made

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ACHIEVING OUR AMBITION

OUR STRATEGIC VISION

Innovating in our Core Business

We've been leading the way in the payments industry for nearly 50 years, pioneering the UK's first network of ATMs - a transformational breakthrough in its day. Today, we develop world-class payments platforms that power global economies. Our payment platforms power Bacs and the Faster Payments Service in the UK and we continue to bring our expertise to the fore by enhancing our existing systems and developing a blueprint for the future of payments. 

Developing new products

PayPort

Since 2008, the Faster Payments Service has given UK consumers and businesses a fast and secure way to move money online, at any time of day or night. To remain relevant and meet customer expectations, banks and businesses had to make the most of the real-time Faster Payments infrastructure available to them. However, the door into Faster Payments hasn’t always been open to smaller financial institutions. 

In recent years we have invested substantially to provide secure and universal access to our payment systems. PayPort, our new managed service, facilitates a level playing field between larger established financial institutions and up and coming challenger banks who wish to connect to Faster Payments. PayPort was one of the very first platforms to gain Vendor Accreditation from Faster Payments Scheme Limited (FPSL) in 2016.

Accura

We are working with regulators, financial services organisations and other stakeholders to develop a suite of new and innovative products to benefit consumers, businesses and the wider economy.

Accura from VocaLink delivers fact-based, timely insights via up-to-date, transactional data, which enable better informed decision making and help to solve some of the big problems that affect society. Through our suite of insight products, we help businesses to deliver an enhanced experience for their customers and achieve operational efficiencies at the same time. Our vision is to power insights that empower everyday lives. We create superior intelligence by fusing our technological expertise with our ability to distil data down into meaningful information. Accura is the point at which technology meets people, art and science. 

Alternative Payments

Pay by Bank app is of great interest to businesses and consumers alike and offers all the benefits of real-time payment and billing using your smart phone. By harnessing the power of VocaLink’s real-time clearing system, payment is easier, quicker and the risk of fraud is greatly. 

Shaping International Payments

Our strategy is built on a vision to shape the global payments landscape and in recent years we have partnered with other industry leaders to expand our offering into international markets.

Our Immediate Payments Solution was developed in 2012 to meet the exacting demands that emerged in the need to support real-time payment processing at scale. Our experience means that we understand the demands placed on any Automated Clearing House that supports an entire country. 

The FAST service in Singapore, which is supported by our Immediate Payment Solution, has operated at 100% availability since inception. Now bank customers can pay who they want, when they want, in real-time. 

In October 2015 we announced an agreement with National ITMX Co. Ltd, Thailand’s main interbank payments infrastructure provider, to develop the plans for the introduction of mobile payments underpinned by our Immediate Payments Solution as a strategic platform in Thailand. We believe that, over time, the Thai economy will benefit significantly from real-time technology as a driver of payment efficiency and innovation.

In December 2015, we signed a contract with The Clearing House (TCH), which counts 24 of the USA’s largest banks among its members and several hundred banks as users of its system, to help build and deliver a real-time payments system in the US. Our ISO 20022 standard real-time payment system is facilitating a step-change advancement in US payments.

Our expertise in real-time technology, along with alternative payments overlay, such as Zapp and Paym, have international appeal and we continue to explore these opportunities as the year progresses.

Keep up to date with all the latest news in the payments industry with our newsletter CONNECT.

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