Tam leads on the Group’s overall product vision and its go to market strategy. Bringing a wealth of knowledge and experience from across retail banking, large-scale transformation, and programme delivery, Tam joins us from 10x, where he most recently held the role of Chief Product Officer and Chief Development Officer. With exceptional experience in advancing customer relationships, product strategy, product management and business development, he positioned 10x as the transformational partner of choice for Global Tier 1 banks. His breadth of experience also includes time as Head of Digital Security and Fraud and Head of Programme Delivery for Digital Banking, both at Lloyds Banking Group. His earlier career saw him work across global brands such as PWC and Morgan Stanley as well as start-up ActivIdentity Inc.