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 customersso long as consent, authentication, tokenised credentials, disputes, and fraud controls are designed for agent-led journeys. In this role youll 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 UKs 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 futurenot reacts to it. As Agentic Payments Lead, youll define how agentinitiated 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 paymentspayments 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 LBGs 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 LBGs position, defining priority capability gaps, and building investable pathways. This aligns to the teams mandate to understand the shifting landscape, convert it into actionable hypotheses, and lead initiatives where LBG should defend and/or capture value.  

What youll lead

1) Strategy & Market Shaping (Core Payments lens) 

• Define LBGs 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 standardiseespecially 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. Were building agentic payment trust across the full lifecycleconsent, authentication, execution, exception handling, and servicingon the rails customers rely on. 
• Translate external standards/rails activity into concrete implications for LBGs 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., Trusted Agent Protocol, Agent Pay / Agentic Tokens, tokenised credential models).  
• Produce rails & standards readiness views for senior stakeholders (what changes are required, by when, and why). 

3) Business Development & Strategic Investment (from hypothesis to investable initiatives) 

• Run structured Business Development assessments (opportunity sizing, feasibility, dependencies, risks, investment cases) to influence funding decisions 
• Identify a small set of near-term no-regret moves that improve LBG readiness (e.g., consent & control patterns, authentication alignment, token/credential strategy, servicing/disputes design) even while the ecosystem is evolving, shaping where the Group invests vs partners vs waits. 

4) Cross-Group alignment & enablement 

• Act as the connector across Payments, Technology and propositionsuplifting organisational understanding (what it means, what changes, where to act).  
• Create crisp materials for board-level discussions (narrative, implications, choices).  

5) External ecosystem engagement & influence 

• Build relationships with schemes, networks, standards bodies, and relevant partners to ensure LBG stays interoperable as agentic payment models become embedded. 
• Where appropriate, represent LBG in industry forums shaping agent-initiated payment norms and controls.  

6) Roadmap & Delivery Oversight 

• Own a multi-year Agentic Payments (Core) roadmap that identifies capability gaps, prioritised workstreams, and decision points.  
• Support transition from concept pilot scale by ensuring readiness across risk, ops, controls, and customer outcomes.  

Why Lloyds Banking Group  

If you think all banks are the same, youd be wrong. Were an innovative, fast-changing business thats shaping finance as a force for good. A bank thats empowering its people to innovate, explore possibilities and grow with purpose.

What youll need

• Deep expertise in core payments (domestic/international rails, payment processing realities, controls, exceptions/servicing) including the payments value chain.  
• Strong grasp of the agentic shift: delegated authority models, consent and customer control, and the move from recommendation to execution.  
• Ability to interpret and apply emerging industry frameworks enabling agent-initiated payments (e.g., Visas Trusted Agent Protocol, Mastercard Agent Pay / Agentic Tokens, tokenised credential approaches like Shared Payment Tokens).  
• 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  

And any of these would be great:

• Experience engaging with schemes / standards bodies / ecosystem partners (or equivalent platform ecosystem work). 
• Familiarity with identity, authentication, tokenisation, and digital trust patterns that underpin secure payments in new channels.  
• Prior work in product strategy, partnerships, or commercialisation in regulated payments environments.

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 its why we especially welcome applications from under-represented groups. Were disability confident. So if youd 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 policies

Ready for a career where you can have a positive impact as you learn, grow and thrive? Apply today and find out more.