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The Team

LiquidNexxus is formed by a core team of research and business development professionals working on developing relationships and partnerships globally. We work closely with industry professionals, subject matter experts and specialists. See some of our profiles below.

If you would like to become part of the team simply contact us 

LNX Management Team

LiquidNexxus dynamic and multilingual team includes industry professionals with years of experience and knowledge of the payment, risk, security and compliance industries.

Lucas150pix.pngLucas Allen, Managing Director, LiquidNexxus Limited

Lucas has been actively engaged with the ICT, security and payments industries for over 10 years in a variety of roles encompassing management, marketing, business development, and research. Since founding LiquidNexxus in 2009 Lucas has presenter or facilitated events and training sessions in 5 continents to over 9000 delegates.  He has worked tirelessly to position LiquidNexxus as a global leader in payment systems, security, and risk training with ongoing partnerships with central banks, interbank settlement systems, banking associations, not-for-profit associations, ATM networks and solution providers. Lucas is currently focused on researching and expanding LiquidNexxus portfolio of training in Payments, Risk, Compliance, Security, and Fraud Prevention.  Lucas holds a BsC (Hons) in Computing with Business Management, and is a Certified PCI Internal Security Assessor, and has recently qualified as Certified Payment Card Industry Training Network Trainer for PCI ISA, PCIP and PCIA. He is lead editor and principal author of The ATm Security Training, ATM Forensics Training, and several other LiquidNexxus leading courses.

Advisors & Trainers (sample)

MA, Information Security Expert 

MA has been working with information security since year 2003. He has vast experience in telecom security, technical information security and business driven security as well as risk management. Currently focusing on PCI DSS remediation and consulting. He has experience in delivering in demanding environments and working on 5 different continents. M holds certifications such as CISSP, PCI QSA, PCIP and ITIL. During his career he has worked with several verticals, which include Telco/Mobile Operators, Oil & Gas Companies, Manufacturing Companies, Hospitality and Financial Companies. He has experience in project management, consulting, technical tasks such as debugging code and system hardening as well as process development and optimization, HR consulting and Organizational improvement. M can interface with technical people as well as top management providing right level of information to the audience every time. Whether he is discussing IT Strategy or OWASP TOP 10 coding practices or firewall rules, he feels right at home. 

PF, Self Service Specialist

Qualified as a Banker with AIB certification PF has a wealth of experience in ATMs ,
and general knowledge of Self Service solutions in the financial industry that can help banks across the globe, he also has experience in security; this involves understanding crimes around self-service and cards, and recommending protection solutions. Qualified as a Banker with AIB certification Mr F has a wealth of experience in ATMs , and general knowledge of Self Service solutions in the financial industry that can help banks across the globe, he also has experience in security; this involves understanding crimes around self-service and cards, and recommending protection solutions.

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After leaving school P joined a small London bank, (part of a larger group) with a career in banking in mind. He carried out did many jobs in clearing and payments, branch, and worked in dealing. Later P progressed to Systems and IT and started a career that involved programming punched card machines and also computers. (A complete reader/sorter in and out clearing program in 256K!). Later in his career he moved into general systems looking at operations and was involved in the early cash dispenser (hardly ATMs as we know them today) deployment in 1969. After a brief period in the public sector P joined NCR UK in 1978 looking at new systems and potential deployment in the financial industry. These included some early ATM deployments, smart card solutions in France and early cheque imaging solutions. While generally within the wide product management spectrum, he was involved in product development of ATMs; also early kiosk and ticketing solutions. P has been involved with early ATM deployments across the globe working with local NCR organisations and customers to provide the best solutions. Recent projects were focused on emerging markets in Middle East, Africa, Eastern Europe and Asia as well as product development in Japan.

VA, Card Risk and Fraud Specialist

V is an independent consultant currently pursuing consulting and advisory engagements with financial institutions where he leverages his extensive card and fraud management expertise to advise clients on minimizing risk. V is an advisor and lead trainer with LiquidNexxus, the global leader in payment risk and security training. For over 7 years V was responsible for Regional Risk & Data Security Management at VISA International where he covered the full African Continent (33 countries), this role has given him unparalleled knowledge of the challenges faced by issuers and acquirers as well as the most effective methods to combat and handle risk and fraud.

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Prior to joining VISA V held various senior management positions in banking including Leader of the Control and Risk Assessment Unit (Electronic Banking and Card Services) at Banque AUDI sal; Internal Auditor, Bank Audi; Risk management /chargeback &Fraud at CTM-Banque Libano Francaise; Head of ChargeBack Department Visa/MasterCard, Commerce & Finance(Banque Libano- Francaise). V’s academic record includes Baccalaureate in Experimental Sciences, a Bachelor in Business Administration and Management, a MA in Economy majoring in Economy and Financial Management by the University of Pantheon ASSAS Paris, a MA in Business Administration majoring in Money and Banks as well as DEA – Major Finance - Preliminary year for PHD (Saint Joseph University). V is also Certified in Risk and Information Systems Control (CRISC certification) by ISACA and CFE certified (and member of Association of Certified Fraud Examiners).

PH, Cards Business and Marketing Specialist 

PH is a management consultant who extols the virtues of electronic payments. He offers consulting, training & executive coaching across the spectrum of payments. He is as comfortable working with new banks developing their initial payment strategy as he is working with key players in mature markets crafting digital marketing tactics.

P has worked in payments for 30+ years, gaining a uniquely broad outlook, based on direct experience in 100+ different global markets. His range and depth of national and global exposure, coupled with a proven ability to absorb different environments and deliver locally relevant solutions, means that P has a direct understanding of key industry issues, from an issuer, acquirer, service provider and global card scheme perspective.

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His professional career started at Visa International which he joined in 1980. During 8 years at Visa P’s managerial experience ranged from operational integration to product and service marketing. It included responsibility for business development and relationship management in Southern Europe, Middle East and Africa. From 1988- 1995, P co-owned and managed Cards Consulting, which specialised in supporting banks to launch new card programmes, re-evaluate their card strategies & develop effective life cycle marketing to optimise card portfolio performance. P joined PSI Global, the leading business information and payment insight company in 1995. There he had global responsibility for management consulting and built a new business unit in executive training. P also led projects in strategic marketing and product development for global banks, major airlines and blue chip retailers. In 1997 P set up his new company; Intuition, dedicated to “knowledge transfer in payment systems”. Providing a mix of hands-on expertise and front-line exposure, coupled with a unique pedigree, Intuition helps clients fully realise their payments opportunities.

The primary focus of consulting assignments and seminars is on creating new card strategies, meeting the challenges of competitive landscapes, re-engineering products, building life cycle marketing, identifying partners to deliver critical competencies and effecting change that embraces and exploits the potential of new technology. P is a founding and on-going Tutor/Instructor for the Bank Card Business School at Cambridge University. As a subject matter expert he helped create the first qualifications in the payment card industry (in conjunction with the Institute for Financial Services and Stanford University). He has delivered 400+ card related seminars & workshops to over 10,000 bankers in the past 15 years.

EB, EMV Technical Expert 

EB is LiquidNexxus lead EMV technical trainer whom has lead numerous EMV related projects including:

• EMV Migration Projects: Personalization Solutions (Mass Issuance), Main Frame/ Host System Solutions (Script Management and upgrades on host system), HSM Development

• EMV Card Personalization Projects: Instant Issuance Solution, Mass Issuance Solution, Perso Test Tools

• EMV Contactless (payVawe, payPass) Migration and Transportation/Prepaid Projects: Transportation System, TopUp Management System, VISA/MC Contactless Kernel Integrations

• ATM & POS Kernel Projects: Products: NCR ATM Kernel and EMV L2 Kernel Port on training tool and banking integrations

• EMV Perso + Training + Quality Management Projects: Products : EMV Analyzer, SmartQuality, PVS (Perso Validation System)

• Card Management System: Card Management, Fund Management, Statement, Loyalty, Campaign, Alternative Channels Integration (Call Center, Internet Banking)

• EMV Similar Card Applet Development

• Merchant Management System: Merchant Management, Merchant Application Process, Loyalty Management, Campaign Management, Fee Management, Commission Management, Statement, Alternative Channel Integration (Call Center, Internet Banking) 

DC, Payment System Specialist 

D has over thirty years’ experience in payments, cards, computing and management services having worked across Europe, Middle East, Africa, North & South America & the Caribbean. He has developed excellent knowledge of all aspects of the payments business ranging from: issuing, acquiring, settlement, risk and fraud including credit, debit, de-coupled debit, corporate and pre-paid cards, loyalty, ATMs and terminals in the payment card industry. Over the last fifteen years he has been involved heavily in the emergence of smartcards, the EMV standards and EMV migrations across the world. He is a leading exponent in the use of smart cards across all market sectors to exploit and utilise the opportunities the technology provides for expansion, efficiency and increased profits.

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D’s main areas of expertise include programme and project management, EMV Migration, strategic technical and business investigation, business studies, fraud investigation, company investigations, marketing plans, business and financial plan preparation, market surveys, on-going technical compliance review of Card and EFT systems, training and team management.

His experience has covered Full EMV Migrations across banks and processors, ACH implementations and settlement systems, Loyalty application development, Card account system development, EMV Smart Card developments in all market sectors, SEPA, PSD, Secure Electronic Commerce. Pre-paid, Mobile and other related applications. This has included ATM, POS, Card Security, Card Production, Ecommerce, Acquiring, PCI, Fraud Systems, Card Management, Billing Systems, ACH Clearing Systems and the International Payment systems. He has developed and written RFI and RFP processes with the associated selection procedures to ensure equitable selection of the correct products and services.

He worked for and with Financial Institutions, Card Schemes, Processors, Retailers, Loyalty Providers, Travel Companies, Oil Companies and Telecommunications Providers including Visa, Mastercard, American Express, LloydsTSB, Erste Bank, Raiffeisen, FDR, Vocalink, ACI, BPC, HP, IBM, VeriFone amongst others.

Many of projects he has been involved in have been multi- streamed projects where this has involved the control and co-ordination of the various project tasks across teams, which he has built and sourced, to ensure a compliant, smooth and effective delivery of the overall project and the business aims involved. In the last few years he has been heavily involved in the commercial aspect of the projects, negotiating contracts, funding and budgets to ensure that the overall project is delivered. 



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