Stablecoin & International Payments Innovation Lead

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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 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 reconciliation Lead 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 context Ensure 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 roadmaps Help 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

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