David has been consistently voted as one of the most influential people in FinTech and FinServ being amongst the most recognised by banks & his peers. Most recently this is through: * Hot Topics - The 100 most influential people in fintech. * The Financial Brands FinServ 25: The Most Influential Voices In Banking - 12th * City AMs FinTech powerlist: These are the most influential people in FinTech * Next Bank 100 - 100 global leaders in finance, banking & fintech design, innovation & entrepreneurship. David is the Chief Thinker at Think Different Group Ltd (@TD_Grp). He is a FinTech Strategist, Speaker, Scholar & Writer. He spends his time these days helping banks, insurers, regulators & governments be better. David has a rare set of technological & personal skills curated from working in Financial Services from Digital Agency, Client, Systems Integrator, Analyst, Management Consultancy & Research. David was the Global Director of Digital Banking in Gartner until April 1st 2015, when he moved to Think Different Group. Having transformed the digital landscape for a number of banks & insurers, David is now working as strategist & advisory to banks looking to take their Digital Transformation to the next level. Boiling it down, & in his own words, David is just “an eloquent nerd trying to make banks better”. David understands what a good digital business-operating model looks like across all disciplines & most importantly know how to transform big organisations to this. Specialties: FinTech, FinServ, Digital Strategy, Digital Compliance, Digital Operating Models, User Experience Design, Service Design, Mobile Banking, Personal Financial Management tools, eCommerce, Online Proposition Development, All aspects of Digital Marketing, Pay Per Click, Search Engine Marketing (SEM), Search Engine Optimisation (SEO) Affiliate Marketing, Aggregators, User Testing, User Experience, Human Computer Interaction, Stakeholder Management.

Chief Thinker @ From April 2015 to Present (9 months) Director of Digital Banking EMEA @ From November 2014 to March 2015 (5 months) Digital Banking UK Director @ Specialising in digital banking and insurance strategy and technology innovation I'm currently leading the UK Digital Banking practice for Gartner consulting helping key banking clients put in place the right foundations and innovations to grow, expand, defend and run their markets and operations. From April 2014 to March 2015 (1 year) Principal Management Consultant - Digital Transformation @ I joined Infosys Lodestone to drive and establish the digital transformation agenda for a number of large Financial Services (Banks and Insurers) providers in the UK, US and Europe. In addition to this: - Large UK Bank - Helping define a new technology solution to help resolve a £3bn+ miss-selling problem across the retail bank and wider. Large US Insurer - Defining their digital User Experience strategy. Large US Insurer - Helping get their Digital Transformation off the ground and established correctly. Large UK Bank - Defining the proposition for transforming the consumer investment arm. From February 2013 to April 2014 (1 year 3 months) London, United KingdomDigital Centre of Excellence @ Having delivered market defining capability over the last 5 years we have transformed the way that Lloyds Banking Group Retail division thinks about Digital and the capability that they have at their fingers tips. Our challenge now with this program is to deliver a Digital Centre of Excellence to ensure that we have the market defining capability in place for our employees to do the most successful possible jobs possible within the most effective organisational model and within a market leading organisational design. In addition to this we will be setting the divisional strategies to ensure we support a broad remit of divisional units to aid the rest of the organisations digital aspirations both strategically and operationally. From August 2012 to January 2013 (6 months) Lead Mobile and Tablet User Experience & Designer for Digital Transformation @ My objective in this role was very clear to deliver the best mobile and tablet banking experiences on the globe across the Lloyd's Banking Group brands and business units. Being the biggest UK banking group we have an obligation to our customer base to deliver what they are increasingly wanting from their mobile phones with mobile banking but also to help usher in more edge technology like p2p payments, Near Field Contact (NFC) and mobile PFM. In order to achieve this we redefined working practices, processes and established a creative hub. From April 2012 to September 2012 (6 months) London, United KingdomDigital Banking Senior Manager @ I am currently the Responsible Executive for the Public Site Redesign working to put a strategy in place to ensure we have a platform that enables future growth potential across the Lloyds TSB, Halifax, Bank of Scotland, Commercial, Commercial Finance, Birmingham Midshires and other Lloyds Banking Group brands and business units. Responsible for Mobile and Tablet Customer Experience and Design team for Lloyds TSB, Bank of Scotland and Halifax across both browser and native application implementations, Peer to Peer, Near Field Contact (NFC), SMS and other forms of mobile and tablet executions. Responsible for the delivery of the Lloyds TSB and Bank of Scotland London 2012 Olympic sponsorship digital strategy and execution. In addition to this i provide strategic consulting, including business plan, sales, strategy and development planning across brands and business units in both technical and non technical matters. From June 2011 to July 2012 (1 year 2 months) Senior Overall Site Design and User Experience Manager @ The 3 brands which i am responsible for are Lloyds TSB, Halifax and Bank of Scotland and these attract over 50m visitors per week to their respective sites. These websites are essential tools to deliver Lloyds Banking Groups brand values and to meet our customer's needs. My current role sees me as the architect of market leading strategic eCommerce capability for both new and existing customers which is focused on the maximization of acquisition, customer and service experience. The role spans both acquisition and retention strategies requiring the need to identify target customer segments and then execute strategies to acquire appropriate customers ensuring that functionality and customer experience enrich the customer offering past just product. This involves a complex interplay of segment identification, assessment of needs, product design, process optimization and communication activities. I am accountable for strategic site design for the LBG Digital footprint, including site development, strategy, developing functional capability of across all of those sites (including application, brochureware and Internet Bank) and best practice across all brands. I have put together a number of large scale technological business strategies covering individual items such as AB and Multivariate Testing and Mobile Browsing. From September 2009 to June 2011 (1 year 10 months) Senior Strategic eCommerce Development Manager @ This role saw me managing the Strategic eCommerce Development Team within the eCommerce department of HBOS. Pivotal to this role was being at the leading edge of web trends and technology in order to be able to spearhead the delivery of strategic change plans to the wide number of companies (Halifax, Bank of Scotland) under the HBOS umbrella on time and within budget. This role saw me working to set innovative strategies and then directly leading and motivating a team to complete projects to fulfil on them. As well as the day to day management of my staff and varying stakeholders the role also involved and required excellent communication, negotiation and influencing personal skills and well as anoutstanding level of precise and logical planning and a delivery focussed skill set. Key to this role was gathering insight; defining, implementing and standardising a number of operational and website process to ensure website management and project processes are efficient and effective for their intended purpose. The role included the delivery of high quality documentation detailing change requirements according to specified Web governance process; clear articulation of business and customer requirements into a fully defined scope for delivery as well as the delivery of a prioritised roadmap of initiatives and aligning budget spend and activity across defined business areas. One of the deliverables during this role was a entirely new application platform and significantly improved user experience for the Halifax Credit Cards brand. From May 2008 to September 2009 (1 year 5 months) Web Operations Relationship Manager @ This role included relationship management of specified business areas providing day-to-day support and strategic consultancy on campaigns and projects. The role had specific focus on individual business area such as Norwich Union Direct, RAC, Corporate Partners & Intermediary Business, Norwich Union Life & Norwich Union Healthcare. The role included responsibility for governing the definition and delivery of web change initiatives from idea generation through to delivery of agreed acquisition targets set by individual business areas. This role also included the provision of ongoing reports, updates and presentations to senior stakeholders. From November 2007 to May 2008 (7 months) eChannels Propositions Manager @ This role included the development and delivery of compelling online propositions across the Aviva platform including working with Aviva, RAC, Norwich Union Direct, Norwich Union Life, Norwich Union Healthcare, BSM and HPI. Duties include taking the lead role in management of large strategic projects that encompasses and directs the Aviva group’s long term ambitious as a whole. This includes engaging and managing all channels of the business including Marketing, Sales, Propositions, Pricing, Legal and Compliance et al in order to do so in a group wide view. I took the lead role in tactical sales focussed project delivery whose goals are the generation of leading edge of conversion, upsell and customer relationship management across the Aviva portfolio. This is completed by managing a team of experts in the ‘web’ field effectively and efficiently to gain sustainable advantage via our online propositions. Both strategic and tactical elements of this role give me excellent opportunities to express the wide range of skills I have achieved during both professional and educational careers in order to mange a diverse range of stakeholders from entry consultant level through to director and board level alike in order to fulfil their differing requirements and needs. The last project undertook was a successful tactical redesign of norwichunion.com that delivered in November 2007. From December 2006 to November 2007 (1 year) Online Marketing Manager @ The role included working with Norwich Union Direct Life managing all their web requirements. Duties included full management responsibilities over all NUDL current web presence including all online marketing. As well as this I lead on a transformation project to design, construct and implement a new customer focused web proposition for norwichunion.com. This project delivered a 30-minute online process that previously took 30 days offline. Duties included all online planning and delivery including Pay Per Click Campaigns, Search Engine Marketing, Online Advertising, Affiliate Network management, Aggregator management, Sponsorship and all other online activity. The role also included day-to-day man management, multiple project management; spend/budget control as well as internal and external corporate relationship management with clients including Google, MSN, Yahoo, Money Supermarket, Diffiniti and AKQA. From January 2006 to December 2006 (1 year) Business Developement Manager @ I was chosen out of my peer group of 130 Masters students while undertaking my Masters degree to undertake an internship with the international usability, customer experience and user testing company Foolproof. From 2005 to 2005 (less than a year)

Digital Master Class, Digital and Business Transformation @ Hyper Island, Karlskrona, Sweden From 2011 to 2011 MSc 1st, Business Management - Major eCommerce @ University of East Anglia From 2004 to 2005 CCNA, Cisco Certified Technician @ Anglia Polytechnic University From 2003 to 2004 MCSE, Microsoft Certified Systems Engineer (MCSE) @ University of East Anglia From 2003 to 2004 BSc 2:1, Business Information Systems @ University of East Anglia From 2002 to 2004 HND Merit, Computing @ Norwich City College From 2000 to 2002 David Brear is skilled in: Digital Strategy, E-commerce, Digital Marketing, User Experience, FinTech, Stakeholder Management, CRM, SEO, Management, Business Development, Business Strategy, Usability Testing, Hostage Negotiation, Team Management, Leadership