Stablecoin & International Payments Innovation Lead

Stablecoin & International Payments Innovation LeadApplylocations: London: Birmingham 125 Colmore Row: Edinburgh Sighthill North: Glasgow 110 St Vincent Streettime type: Full timeposted on: Posted Todaytime left to apply: End Date: June 25, 2026 (6 days left to apply)job requisition id: 157345 End Date Wednesday 24 June 2026 Salary Range £92,701 - £109,060 We support flexible working - click here for more information on flexible working options Flexible Working Options Hybrid Working, Job Share Job Description Summary As the UK's largest bank with relationships with the majority of the UK population and companies, we are uniquely positioned to enable Stablecoin Innovation with regards to Internatinoal Payments for our customers, as part of our mission to Help Britain Prosper. This role exists to drive the Lloyds Banking Group move from theory to practice in how stablecoins and tokenised settlement models could materially improve international payments. You will act as the Group's stablecoin and cross border payments specialist - combining deep technical and operational understanding with practical experimentation. The focus is not on thought leadership for its own sake, but on developing and testing where stablecoins can reduce cost, friction, risk, and settlement time across international payment flows, and translating those learnings into scalable, regulator ready options for LBG. You will work at the intersection of existing and new international payment rails , DLT based settlement, FX, liquidity and controls, shaping when and how DLT based settlement and stablecoins genuinely add value - and when they don't. The mandate is to translate structural shifts in payments into actionable insights, and business develop the initiatives that matter most over a multi year horizon. This includes developing buy, build and partner strategies. Job Description JOB TITLE : Stablecoin & International Payments Innovation Lead SALARY: £92,701 - £119,966 LOCATION: London, Birmingham, Edinburgh or Glasgow WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office locations above. About this Opportunity As the UK's largest bank with relationships with the majority of the UK population and companies, we are uniquely positioned to enable Stablecoin Innovation with regards to International Payments for our customers, as part of our mission to Help Britain Prosper. This role exists to drive the Lloyds Banking Group move from theory to practice in how stablecoins and tokenised settlement models could materially improve international payments. You will act as the Group's stablecoin and cross border payments specialist - combining deep technical and operational understanding with practical experimentation. The focus is not on thought leadership for its own sake, but on developing and testing where stablecoins can reduce cost, friction, risk, and settlement time across international payment flows, and translating those learnings into scalable, regulator ready options for LBG. You will work at the intersection of existing and new international payment rails , DLT based settlement, FX, liquidity and controls, shaping when and how DLT based settlement and stablecoins genuinely add value - and when they don't. The mandate is to translate structural shifts in payments into actionable insights, and business develop the initiatives that matter most over a multi year horizon. This includes developing buy, build and partner strategies. What You'll Lead 1. Stablecoins & Cross Border Payments - Practical Use Case Leadership Be the subject matter expert for how stablecoins and tokenised money models could impact international payments across: Cross border account to account payments FX funding and prefunding models Nostro / vostro liquidity management Settlement speed, cut off times and time zone risk Transparency, deductions, and reconciliationLead the definition, prioritisation and shaping of real use cases (e.g. corridor specific settlement, on chain FX legs, atomic settlement) grounded in today's international payments pain points - not hypothetical future states. 2. Experimentation & Proof of Value (Not Just Research) Design and drive hands on experiments, pilots or structured proofs of value with internal teams and external partners to test: Where stablecoins create measurable improvements vs current correspondent banking models Implications for operations, controls, accounting, liquidity and intraday risk Readiness for scale within a Tier 1 bank contextEnsure experiments produce clear learning outputs : what worked, what didn't, and what would need to change to move from pilot production. 3. Integration with International Payments Strategy Act as the stablecoin specialist within LBG's broader international payments strategy, ensuring insights feed directly into: International Payments transformation programmes Swift, instant payments and new rail participation decisions FX, pricing, proposition and customer experience roadmapsHelp clarify where stablecoins complement existing rails and where they introduce unnecessary complexity or risk. 4. Risk, Regulation & Control Design Work closely with Risk, Legal, Compliance, Finance and Treasury to: Shape LBG's position on regulatory models for stablecoins in cross border payments Define early views on controls, safeguarding, reconciliation, dispute handling and failure scenarios Ensure any experimentation is conducted in a safe, compliant, regulator engageable wayTranslate external regulatory developments into clear internal implications, not abstract summaries. 6. Decision Support & Investment Pathways Convert experimentation and market learning into: Clear recommendations on lead vs follow vs wait decisions Defined investment options and dependency maps Realistic timelines and maturity assessmentsSupport senior decision makers with evidence based options , not advocacy Why Lloyds Banking Group If you think all banks are the same, you'd be wrong. We're an innovative, fast-changing business that's shaping finance as a force for good. A bank that's empowering its people to innovate, explore possibilities and grow with purpose. What you'll need This is not a generalist strategy role.We're looking for someone who is already a practitioner and specialist in one or more of: International payments operations and rails (SWIFT / correspondent banking / instant cross border) Stablecoins, tokenised settlement or DLT based payments infrastructure FX funding, liquidity and cross border treasury modelsYou are likely to have: Direct experience building, operating or integrating cross border payment flows Exposure to stablecoin or tokenised settlement pilots (bank, fintech, scheme or infrastructure side) Strong understanding of where theory breaks down in real banking environments Deep expertise in core payments (domestic/international rails, payment processing realities, controls, exceptions/servicing) including the payments value chain. Commercial/strategic toolkit: hypothesis-led analysis, business case development, stakeholder influence, and narrative building (consistent with your PS&BD role expectations). Proven delivery experience - turning strategy and ideas into practise. Sufficient technical understand and background to lead feature teams, experimentation and Proof of Concepts Strong stakeholder management and influencing skills You can comfortably move between deep technical detail and senior level decision framing. About working for us Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer initiative. And it's why we especially welcome applications from under-represented groups. We're disability confident. So if you'd like reasonable adjustments to be made to our recruitment processes, just let us know. We also offer a wide-ranging benefits package, which includes A generous pension contribution of up to 15% An annual performance-related bonus Share schemes including free shares Benefits you can adapt to your lifestyle, such as discounted shopping 30 days' holiday, with bank holidays on top A range of wellbeing initiatives and generous parental leave policiesReady for a career where you can have a positive impact as you learn, grow and thrive? Apply today and find out more. At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop. We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.