Fractional CIO / CTO / COO · Board Adviser & NED · Business & Technology Agile Transformation
A highly experienced C-suite executive and board-level adviser with 30 years of leadership across pan-European financial services, fintech and technology businesses, spanning both publicly listed and Private Equity-owned organisations. Andy now operates through LUXIT Ltd as a fractional CIO/CTO/COO and independent consultant, advising ExCo teams and Boards of Directors on agile business transformation, cloud-native technology re-platforming and the strategic adoption and governance of AI at scale.
He combines board-level strategic authority with deep operational experience, able to advise on strategy and challenge delivery with equal credibility — a rare pairing that comes from having held both the accountability of the boardroom and the hands-on C-Suite leadership of delivery organisations on both sides of the business/IT divide.
Andy is a certified SAFe® 6 Agilist, Certified AI-Empowered SAFe® Agilist and Lean Six Sigma Master Black Belt, with deep hands-on experience designing and deploying enterprise-wide scaled agile programmes, SaaS ecosystems and AI-powered solutions — including live agentic AI use cases using Salesforce AgentForce and AI-driven automated data migration pipelines. He holds a Stanford University certification in AI-Driven Leadership and is a recognised public voice on the critical importance of robust data foundations as the prerequisite for monetising AI at enterprise scale.
Stanford University, Certification, 2026
Scaled Agile Inc, 2026Scaled Agile Inc, 2020Fractional CIO/CTO/COO and independent transformation consultant. Selected engagements: Market Financial Solutions, Vanquis Banking Group, Interbridge Mortgages, Amigo Holdings, DF Capital Bank — see Services for detail.
Responsible for all customer-facing operational teams in Europe (1,200+ associates). Delivered year-one synergies from the TWG/Assurant integration and led the Brexit continuity programme.
Dual responsibility for technology and operations across Europe. Redirected a failing IT programme to a successful cloud-based Salesforce migration and delivered GDPR compliance in six months.
Led card payment processing operations across EMEA (800+ associates, 400,000+ merchants, $250bn+ annual transaction traffic). Drove the EMEA introduction of Apple Pay and Google Pay.
Led European in-country operations and the Dublin shared service centre, delivering 20% year-on-year productivity gains through consolidation.
14-year career culminating as European Business Transformation Director, combining four businesses into a $46bn, 5,500-employee organisation and delivering $220M in SG&A savings.
Non-Executive Chairman of Hapie AI, an early-stage AI Delivery Lifecycle platform that transforms business conversations and requirements into structured, validated delivery artefacts and workflows.
Providing board-level oversight and strategic guidance across product positioning, go-to-market execution, partnerships, governance and fundraising as the company progresses through its commercial growth phase.
Technology strategy chair and advisory board member, providing board-level oversight and challenge of technology governance, investment decisions and digital transformation priorities across the Group's European operations.
Active NED and Vice-Chairman contributing to strategic direction, governance and regulatory oversight, with specialist expertise in technology transformation, risk management and operational resilience within a regulated UK banking environment.
Led the Board Audit & Compliance Committee, providing independent oversight of internal controls, regulatory compliance and enterprise risk management frameworks.