Agentic Payments Lead - Core Payments & Trust Layer

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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 Agentic payments are moving from theory to reality: AI agents are increasingly able to initiate and complete transactions on behalf of customers-so long as consent, authentication, tokenised credentials, disputes, and fraud controls are designed for agent-led journeys. In this role you'll define how Lloyds Banking Group responds across core payments, shaping our standards and rails readiness and building the investable roadmap that keeps us secure, interoperable, and commercially relevant as the ecosystem evolves. As the UK's largest bank with relationships with the majority of the UK population and companies, we are uniquely positioned to enable Agentic Payments for our customers, as part of our mission to Help Britain Prosper. This role exists to ensure Lloyds Banking Group shapes that future-not reacts to it. As Agentic Payments Lead, you'll define how agent‑initiated interactions intersect with UK and international payment rails, building the trust infrastructure, standards alignment, and investable roadmap that keeps LBG secure, interoperable, and commercially relevant as the ecosystem evolves. Job Description JOB TITLE : Agentic Payments Lead - Core Payments & Trust Layer SALARY: £78,000 - £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 Agentic payments are moving from theory to reality: AI agents are increasingly able to initiate and complete transactions on behalf of customers-so long as consent, authentication, tokenised credentials, disputes, and fraud controls are designed for agent-led journeys. In this role you'll define how Lloyds Banking Group responds across core payments, shaping our standards and rails readiness and building the investable roadmap that keeps us secure, interoperable, and commercially relevant as the ecosystem evolves. As the UK's largest bank with relationships with the majority of the UK population and companies, we are uniquely positioned to enable Agentic Payments for our customers, as part of our mission to Help Britain Prosper. This role exists to ensure Lloyds Banking Group shapes that future-not reacts to it. As Agentic Payments Lead, you'll define how agent‑initiated interactions intersect with UK and international payment rails, building the trust infrastructure, standards alignment, and investable roadmap that keeps LBG secure, interoperable, and commercially relevant as the ecosystem evolves. This is a pivotal role to help Lloyds Banking Group understand and shape the future of agentic payments-payments initiated, configured, or completed by software agents acting on behalf of a consumer or business under defined permissions, policies, and limits. The role will build LBG's point of view and action plan for how agent-led interactions will impact core payments (UK domestic and international payment rails, authentication, consent, dispute, fraud, and interoperability), while recognising the adjacent influence of "agentic commerce" without making it the primary focus. You will operate as a forward-looking "bridge" between payments rails + standards + technology and commercial outcomes, driving structured business development work: scanning the market, shaping LBG's position, defining priority capability gaps, and building investable pathways. This aligns to the team's mandate to "understand the shifting landscape," convert it into actionable hypotheses, and lead initiatives where LBG should defend and/or capture value. What you'll lead 1) Strategy & Market Shaping (Core Payments lens) Define LBG's perspective on how agent-mediated interactions and the "agent economy" change payment initiation, authorisation, and servicing for core payments (not only card checkout) across UK domestic and international rails (FPS, CHAPS, Bacs, SEPA, cards and emerging tokenised payment models Develop an actionable view of where LBG should lead, follow, partner, or standardise-especially where time-to-readiness is long (consent, verification, dispute rules, scheme integration). 2) Standards, Rails & Technology (the "payments trust layer") Others are building agentic checkout. We're building agentic payment trust across the full lifecycle-consent, authentication, execution, exception handling, and servicing-on the rails customers rely on. Translate external standards/rails activity into concrete implications for LBG's core payment stack: identity & consent, tokenisation, agent registration/verification, non-repudiation, dispute handling, fraud and liability models. Track and interpret emerging industry trust frameworks that enable agent-initiated transactions (e.g., Tr

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