Michael Nelhams is a Senior Director at EPAM Systems, where responsibilities include building the Payments and Open Banking practice and providing thought leadership and support across the global landscape. Prior experience includes roles such as T24 Upgrade Business Programme Manager at Metro Bank, Head of Strategic Initiatives UK at Bank of Ireland, and leadership positions at Cognizant, PA Consulting Group, and Accenture, specializing in financial services and project management. Michael also has a background in implementation management at Visa and senior business analysis at SG Hambros. Michael holds a BSc in Geography and an MSc in Information Technology from Loughborough University.