Form3 Directors and Advisors

Board of Directors

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Tom KozlowskiChairman
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Paul Emney
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Juan Lobato
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Vinoth Jayakumar
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Michael MuellerChief Executive Officer

Board of Advisors

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David Little
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Kevin Brown
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Maurice Cleaves
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Geoff Chapman
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John Winter

Tom Kozlowski

Chairman

Tom has over 25 year’s global experience in the Investment Banking arena, gained within financial institutions, third party vendors and consultancies. Tom founded City Practitioners and focused on designing business and technical architecture, implementation of complex trading technologies and application management service, focusing on Murex.


Some time after the successful acquisition and integration of TCA Consulting, City Practitioners was sold in 2007. In late 2012 Tom merged Cowrie Financial, a specialist implementor of Murex technology and associated services, together with a specialist Market Data Services supplier into First Derivatives. Recent investments and advisory roles have been in the energy markets and a few specialist businesses including disruptive technologies such as blockchain, high performance in memory processing, cloud computing, SaaS and the application of such technologies.

Paul Emney

Paul has over 30 years experience in wholesale financial services. Paul, a chartered accountant, began his career at Price Waterhouse in the Banking and Capital Markets audit practice and in that time served clients across investment banking, corporate banking and corporate treasury. In 1996 Paul joined Barclays and since that time has held a number of finance roles and chief operating officer roles across both the Investment Banking and Corporate Banking businesses.
For the last 7 years Paul has been in the Corporate Banking business and is currently the Business Manager overseeing strategic planning, business performance and the control and governance agenda.


Paul was a non-executive director of Vocalink, the payments infrastructure provider, for over 5 years up to April 2017.

Juan Lobato

Venture Partner

Juan is a tech entrepreneur based out of London. Juan is cofounder and co-CEO of Ebury, one of European fastest growing fintechs with revenues in excess of $100M. Before Ebury Juan was CEO of Beam.ty (a digital distribution network for short and long form content sold to Carlyle private equity) , CEO of BaseKit (one of Europe’s top web building platforms with over 2 million subscribers). Juan was also a consultant with Mckinsey & Co. in London. Juan is angel investor in over a dozen tech companies across UK, Europe and the US.


Juan holds master degrees in Electrical Engineering and Economics by Universidad Politecnica Madrid. He also graduated as lieutenant with the Spanish Army.

Vinoth Jayakumar

Vinoth is an investment director at Draper Esprit, leading Fintech deals. He joined the firm in 2016 and works with companies including Revolut, PremFina, ICEYE and Perkbox. Prior to that he worked at a boutique management consulting firm in London for 6 years, mostly in financial services.

Vinoth is a chartered accountant and is a graduate of the London School of Economics.

Michael Mueller

Chief Executive Officer

Michael set up Form3 after spending more than 25 years in various management positions with Deutsche Bank, Royal Bank of Scotland and Barclays. Most recently, he was Global Head of Cash Management and a Member of the Corporate Banking Executive at Barclays, where he had responsibility for the product management and distribution of the bank’s payment, corporate deposit and customer access products.


For many years Michael has been passionate about driving digital change and innovation in global banks and has sponsored many key initiatives in this area, including white-labelling, biometric security, mobile payments (Pingit) and portal and mobile banking technology. More recently he has been actively involved in industry-level discussions about central bank digital currencies and the application of distributed ledger technology in financial services. Michael holds a degree in Organizational Psychology and a Master of Business Administration from INSEAD.

David Little

David is an expert in Capital Markets, Collateral and Securities Finance. An experienced technology entrepreneur with over 20 years of experience and expertise in IT development, David began his career as a geophysicist working in oil exploration, where he gained experience in software engineering, as well as data acquisition and data processing techniques.


David previously worked at Calypso Technology, and at Rule Financial, where he was a Partner, founding, leading and expanding the Securities Finance business unit.

Kevin Brown

Kevin is a career banker with 35 years of experience, formally Global Head of Transaction Services for RBS; he has a strong external profile as an industry expert and speaker on global transaction banking, payments and treasury / funds business and regulatory issues. Kevin had direct involvement in the design / development of the UK’s Faster Payments service and became the inaugural Chairman of the UK Faster Payments Scheme in November 2011 (until 2013).


Kevin is undertaking a wider portfolio career deploying his extensive payment and fund industry knowledge and board experience in selected advisory and non-executive director roles both in the UK and internationally. He is currently a member of the UK Financial Conduct Authority (FCA) Regulatory Decisions Committee; member of the UK Payment Systems Regulator Enforcement Decisions Committee; is a non-executive board member of the PhonePayPlus; non-executive Chairman of FundRock Management Company S.A., Luxembourg; and also serves as Senior Advisor - Global Payments for KPMG.

Maurice Cleaves

Maurice is CEO of Payments UK, after having joined the Payments Council in 2014. Most recently Maurice was at Barclays Bank (2011- 2014) where he was Global Head of Cash Management, Managing Director and a member of the Corporate Bank Exco with a co-head responsibility for all products. During his career Maurice has also held a number of positions within the industry including Chairman of the IBOS Association, Director of SWIFT UK, CHAPS and on the Payments Council Board (2008-2010).


Maurice started his banking career at Barclays retail bank in the late 1970’s. Three years later he joined The First National Bank of Chicago in London and over a 26 year tenure covered many areas of banking in securities, corporate trust, trade and cash management. During this time Maurice worked through the institutional mergers of First Chicago with NBD, Bank One and finally JP Morgan where, in 2004, he was appointed EMEA Market Manager with responsibility for international cash management services. In 2006 Maurice moved to Deutsche Bank where he was a Managing Director in the Global Transaction Bank, responsible for Cash Management Product Management for EMEA and developed the payments business within the euro area.

Geoff Chapman

Geoff Chapman has had a long and successful career as an executive in technology and financial services organisations, with a proven track record in building, restructuring and selling businesses, and of running technology, HR and regulatory and compliance functions. Since graduating from Cambridge in Mathematics, Geoff has worked at senior level in a number of financial information and trading companies including Reuters, Tullett Prebon and City Index Ltd.


He is in an investor in a number of early stage businesses. Current non-executive directorships include Chargepoint Services, which provides electric vehicle charging solutions and Ethex, which facilitates investment in social enterprises.

John Winter

John is a veteran capital markets professional with a successful track record of 31 years in investment and corporate banking. After starting his career in 1985 in Debt Capital Markets (DCM) at Merrill Lynch in New York, John moved to London in 1992 to help grow Merrill’s franchise in Germany. In 1996 he was appointed Head of DCM at Deutsche Bank, where he helped take Deutsche to the top of the bond league tables, winning IFR Bond House of the Year for 1999.


In 2001, John joined Barclays as European Head of Investment Banking where within a few years he helped it become a leading bond underwriter. Barclays won IFR’s Bond House of the Year award for 2009. Under his leadership as Global CEO of Barclays Corporate Bank, the business was transformed in six years from being loss-making to turning sizeable profits. Since leaving Barclays John has become an active angel investor and philanthropist, following his passions of Fintech, Sustainable Technology and Impact Investing.

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