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 UKs 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 Groups stablecoin and crossborder 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, regulatorready options for LBG.

You will work at the intersection of existing and new international payment rails , DLTbased settlement, FX, liquidity and controls, shaping when and how DLT based settlement and stablecoins genuinely add value and when they dont.

The mandate is to translate structural shifts in payments into actionable insights, and business develop the initiatives that matter most over a multiyear 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 UKs 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 Groups stablecoin and crossborder 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, regulatorready options for LBG.

You will work at the intersection of existing and new international payment rails , DLTbased settlement, FX, liquidity and controls, shaping when and how DLT based settlement and stablecoins genuinely add value and when they dont.

The mandate is to translate structural shifts in payments into actionable insights, and business develop the initiatives that matter most over a multiyear horizon. This includes developing buy, build and partner strategies.

What Youll Lead

1. Stablecoins & CrossBorder Payments Practical UseCase Leadership 

Be the subjectmatter expert for how stablecoins and tokenised money models could impact international payments across: 

• Crossborder accounttoaccount payments 

• FX funding and prefunding models 

• Nostro / vostro liquidity management 

• Settlement speed, cutoff times and timezone risk 

• Transparency, deductions, and reconciliation 

Lead the definition, prioritisation and shaping of real use cases (e.g. corridorspecific settlement, onchain FX legs, atomic settlement) grounded in todays international payments pain points not hypothetical future states.  

2. Experimentation & ProofofValue (Not Just Research) 

Design and drive handson experiments, pilots or structured proofsofvalue 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 didnt, and what would need to change to move from pilot production.  

3. Integration with International Payments Strategy 

Act as the stablecoin specialist within LBGs broader international payments strategy, ensuring insights feed directly into: 

• International Payments transformation programmes 
• Swift, instant payments and newrail 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 and Treasury to: 

• Shape LBGs position on regulatory models for stablecoins in crossborder payments 
• Define early views on controls, safeguarding, reconciliation, dispute handling and failure scenarios 
• Ensure any experimentation is conducted in a safe, compliant, regulatorengageable way 

Translate 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 assessments 

Support senior decisionmakers with evidencebased options, not advocacy

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

This is not a generalist strategy role. 

Were looking for someone who is already a practitioner and specialist in one or more of: 

• International payments operations and rails (SWIFT / correspondent banking / instant crossborder) 
• Stablecoins, tokenised settlement or DLTbased payments infrastructure 
• FX funding, liquidity and crossborder treasury models 

You are likely to have: 

• Direct experience building, operating or integrating crossborder 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 seniorlevel 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 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.

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. 

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together were building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.