1. CURRICULUM VITAE
Name: David Golding
Address: 10 Joseph Clibbon Drive
Chelmsford
Essex CM1 6AS
Home telephone: 01245 469540
Mobile: 07973 534236
e-mail: davegolding1971@gmail.com
Date of Birth: 23/4/71
EDUCATION
1987 - 1988 South Kent College of Technology
Ashford, Kent
1982 - 1987 North School for Boys
Ashford, Kent
I have over 20 years experience in Payments and Messaging both as a Business Analyst and
a User. I have in depth experience of SWIFT covering 1nn, 2nn, 4nn and 9nn series messages
along with knowledge and a good understanding of the MT3nn, 5nn and 7nn series messages
and extensive knowledge of all methods of payments including CHAPS, BACS, Target 2, EBA,
Faster Payments and SEPA. I have worked as a Business Analyst on various projects
including, system implementations, migrations, upgrades and business process redesign. In
addition I have thorough end-to-end testing knowledge, specialising in UAT and SIT.
BANKING KNOWLEDGE
• Payments and Messaging
• Charging, Billing & Invoicing
• Securities – Trade input, Corporate Actions, Dividends
• Cash Management
• Foreign Exchange Back Office
• Nostro Reconciliation and Treasury Settlements
• Cashiering and Teller functions
• Cheque and Credit Clearing
• Foreign Exchange
• Internet Banking
• Sanctions
BANKING SYSTEMS / SOFTWARE KNOWLEDGE
• Payments - SWIFT, BACS, CHAPS, Target 2, EBA, SEPA, Faster Payments
• Transaction Processing, Accounting and Billing – T24 (Globus), IBIS, ProPay, ProDirectory,
Excalibur, Global PayPlus, TBMS-F
• Casewise, Visio
• T – Plan Professional
• T – Plan Incident Manager
• Test Director

2. • Requisite Pro
• Microsoft Project, Access, Excel, Word, Outlook
T24 (Globus) modules knowledge: SECURITIES, FUNDS.TRANSFER, DELIVERY,
STANDING.ORDER, AZ.ACCOUNT (All-In-One Account), TELLER, RETROCESSIONS,
MORTGAGES, LD (Loans And Deposits), DATA.CAPTURE and various Core applications including
ENQUIRY, VERSION, CUSTOMER, ACCOUNT, USER, COMPANY, CURRENCY plus Screen and
Enquiry Designer and Internet Banking related applications.
Business Analysis Experience
• Business Analysis – analysis of business and user processes and procedures
• Systems Analysis – analysis of systems including user interaction with system, business and
functional processes of system, vendor interaction and liaison
• Requirements gathering and liaison with users and stakeholders to obtain information
• Production of Procedures, Business Requirements and Process Documentation
• Business Process Redesign
• Data Modelling and Process Flows using Casewise and Visio
• Extensive liaison with users, vendors and stakeholders including arranging and managing
meetings, presentations, workshops and training sessions
Testing/Analysis Experience
• End to End test experience on various Payment and Reconciliations systems – Test Case/Script
Production, Test Input, System/Unit Testing, User Acceptance Testing, Fault Management
• Full analysis of system/enhancements/patches to create test cases and scripts
• Authoring of test cases
• Production of scripts from test cases
• Running scripts using Rational software
• Analysis and reporting of results – production of supporting documentation for script results
CAREER ACHIEVEMENTS
• Managed QA and analysis team responsible for testing software enhancements and patches prior
to release to clients (Temenos)
• Managed high-volume Payment and Customer Services Section, deputising for the Manager and
dealing with day to day issues, staffing matters and customer enquiries (DNB)
• Played leading role in testing and delivery of system changes, e.g. , STP for inbound and
outbound Customer Payments (DNB), SWIFT CBT Implementation (MERVA) and managed
testing process for new payments system (Girobank)
• Played significant role in the Customer Services Department achieving BS5750 accreditation
(Girobank)
• History of regular promotions within operational roles (Girobank, DnB, Temenos)
• Played major role in successfully testing Globus system for Euro conversion (Temenos)
• Successfully managed the creation of a new department for processing RBS’ Royline payments
and the migration of Royline payments from the legacy system to ProPay (RBS).
• Assisted in the migration to Casewise of Royal Bank Of Scotland’s on-line payment processes
including the design and production of their CHAPS and Foreign Payment processes. (RBS).

3. • Assisted in the creation and execution of test scripts and cases for the Globus Relaunch project
at the Bank of England to successfully implement Globus as the bank’s payment engine (Bank
Of England).
• Assisted in the creation and execution of test scripts and cases to assist in the upgrade of the
bank’s payment and delivery engine (UBS Investment Bank).
• Authored the majority of business requirements documents for the U.K. payments operations
team in preparation for the implementation of a new payments engine (Barclays).
• Acted as the lead business analyst and SME on an extensive charging and billing programme,
responsible for the authoring, review and sign-off of high and low level business requirements
resulting in the implementation of a charging and billing solution into the bank’s infrastructure
(RBS).
CAREER HISTORY
September 2014 to date – Royal Bank of Scotland Group
Business Analyst – Payments Transformation Programme
Responsible for requirements gathering and authoring of High and Low Level Business Requirements
and Use Case documentation and obtaining sign-off of the documents with stakeholders.
Liaison and organising of workshops with stakeholders to obtain requirements.
Production of documentation detailing the bank’s payment system architecture in relation to data
stores utilised in payment processing of all payment product types.
Performing in-depth analysis of static data held within the payment engine and peripheral systems to
support payment processing and charging agreements (approximately 900,000 records). Production
of documentation to summarise and show/explain breakdown of agreements.
Performing in-depth analysis of the bank’s current payment reporting capabilities and output;
analysing and categorising each report and designing prototypes in proposed new reporting solution.
April 2014 to September 2014 – International Financial Data Services
Business Analyst – BA Funds Team
Responsible for requirements gathering and authoring of High and Low Level Business Requirements
and technical solution documentation and obtaining sign-off of the document with stakeholders.
Liaison and organising workshops with stakeholders to obtain requirements. Liaison with clients to
obtain requirements and discuss solutions.
September 2013 to April 2014 – Royal Bank of Scotland Group
Business Analyst – IB Transformation - Payments Programme
Responsible for requirements gathering and authoring of High Level Business Requirements and
obtaining sign-off of the document with stakeholders. Liaison and organising workshops with
stakeholders to obtain requirements. Analysis of current systems, processes and architecture to
support production of the business case. Collation and analysis of multiple payment processes across
Global locations.

4. October 2009 to August 2013 – Royal Bank of Scotland Group
Business Analyst – Strategic Billing Programme
Responsible for requirements gathering and authoring of High and Low Level Business Requirements
Documents for Strategic Billing within the Group. In addition to this, the role has included the
information gathering and meeting with Subject Matter Experts to understand and document – using
Visio process flows and Word documents – the existing billing processes for a large number of
products within the scope of Strategic Billing, including domestic and international payments, branch
counter services, cheque clearing and collections/negotiations, Direct Debits and Standing Orders,
electronic banking services to name a few.
In addition to the above, the role has involved reviewing and advising on test scripts created based
on requirements and in depth review and assistance with the creation of Business and Target
Operating Model documentation.
The role has required constant and close liaison with Stakeholders, Vendors and numerous Subject
Matter experts within the organisation and the cultivation of relationships with these various people
and teams has been integral to the project and role.
The role has also included involvement in the RFI/RFP process for vendor selection for a billing
solution including production of documentation for RFI/RFP, review of return information and liaison
with vendors.
April 2008 to October 2009 – Barclays Bank
Business Analyst – Global Payments Utility Programme
Responsible for requirements gathering and authoring of Business Requirements Documents relating
to implementation of new payments system (Fundtech Global PayPlus). Work included the analysis
of SWIFT, CHAPS and SEPA payment processes and working practices from both the system and
manual user stand points. The role has also included the analysis of the bank’s Sanctions operations
and processes for payment processing and the identification and documentation of the processes
required upon implementation of the new payments engine.
Analysis of existing system and it’s usage by operational users. Liaising with users to obtain their
requirements and understand their working practices. Authoring of ‘as is’ and ‘to be’ payment process
flows. Authoring of business requirements documentation and managing the review and sign-off
process. Liaising with management to assist in planning and reporting of requirements progress.
Systems-wise I have garnered a very good understanding of how Fundtech’s Global PayPlus works,
specifically around the way the static data set up in the system drives the business processing and
the way the user can tailor the way the system looks and works for their own use. I have a good
understanding of the payment processing screens and the static data set up required to process
payments.
June 2006 to April 2008 – UBS Investment Bank
Business Analyst / Testing – T24 Custody Programme
Responsible for the testing of local enhancements and Temenos developed patches to the bank’s
T24 software. This included analysis of changes/enhancements, trouble-shooting and information
gathering, assistance with design of required solutions, test scenarios and scripts design, production
and documentation, running test scripts and fully documenting results for review and sign-off by the
business areas.
Testing based around the main Securities applications in T24 (SEC.TRADE,
SECURITY.TRANSFER, DIARY, REPO) and as well as manual testing of these applications (and

5. their associated tables and enquiries) the creation and running of automated scripts. Gained
knowledge of the in-house systems EXCALIBUR, EPIC and HERMES along with experience of
Informatica workflows.
Instrumental in helping design and create an automated testing tool used extensively in upgrade and
regression testing of the T24 upgrade. Responsible for the maintenance and integrity of the test data
both within T24 in custom-built applications and in system databases.
All testing involved the automated loading of test scripts and data, the maintenance of test scripts
and applications and the running of workflows and system jobs to trigger test runs.
June 2004 to May 2006 – Bank Of England (Security Clearance level SC)
Test / Business Analyst – Globus Relaunch Programme / Globus Trialling Team
Responsible for the testing of enhancements, fixes/patches and general processes required for
relaunch of the Globus banking software into Bank Of England’s live system. This included analysis
of changes/enhancements, trouble-shooting and information gathering, assistance with design of
required solutions, test scenarios and scripts design, production and documentation, running test
scripts and fully documenting results and raising and resultant change requests and business critical
issues.
Responsible for helping design and implement a series of Performance Tests over the space of two
months to adequately test the software and help provide the users / live office with comfort and
confidence in the software prior to it’s ‘relaunch’ into live in November 2004.
Ongoing testing of local fixes and enhancements to Bank Of England’s Globus system, including the
BoE On-line Links customer banking system.
Responsible for the design and build of Globus Regression Test Packs for ongoing use in the Globus
Trialling Team, along with specific creation of testing baseline for the trialling of a Globus upgrade.
Creation of documentation for Globus input to be linked to the Bank’s Process Information job
instructions.
Assisted in the planning and execution of a training plan for Bank staff new to the Trialling
department and it’s systems and processes.
June 2003 to June 2004 – Royal Bank Of Scotland Group
Business Analyst – Group Value Programme
Responsible for managing the migration of RBS Royline payments from legacy payments system to
ProPay. Involved in all aspects of the project including staffing, recruitment, training, business
analysis of volumes and workflow, training and procedural documentation, on-site support, post-live
analysis and trouble-shooting.
Providing helpdesk support to various RBS and NatWest processing units during payment system
migration.
Editorial review of RBS and NatWest business support manuals and procedures.
Analysis of existing CHAPS payment procedures and departmental structure and providing solutions
to assist in the better handling of payments, payment instructions and workflow.
Analysis of foreign payment processing in various units around the country with a view to
consolidating payment processing into three major sites.
April 2002 to April 2003 - Royal Bank Of Scotland Group
Business Analyst - Payment Migration Programme

6. Responsible for the production of documentation relative to payments routing and settlement for
implementation of new payments system. Undertaking analysis and testing of new payments system
to assist in producing clear and accurate documentation. Producing process flows and presentation
material for use in training and on-site/intranet process manuals.
Analysis of existing payment systems and processes with a view to the creation of process flow and
procedural documentation for the migration of payment traffic to a new payments engine and the
business processes required post-migration.
Providing on- and off-site support to offices of the Bank in the United Kingdom in a consultancy
capacity for payment, routing and messaging related problems arising from implementation of new
system.
Involved in trouble-shooting and solution finding arising from technical and business-related
problems identified in new payments system and any associated existing Bank systems.
March 2000 to April 2002 - Temenos Systems UK Ltd
March 2000 to January 2001
Model Bank
Responsible for review and enhancement of all Retail and Delivery functionality for Model Bank
including Funds Transfer, Teller, Data Capture, Delivery and various Accounts and Core
applications. Have also garnered extensive knowledge of creating and amending Input Screens,
Enquiries, Menus and Delivery Messages.
January 2001 to June 2001
e-Banking
Involved in the initial design of the functions for Globus Internet Bank (GIB). Responsible for all
aspects of the Retail Functionality and Enquiries within Globus for GIB. Includes creating enquiries
and input screens and evaluating and creating the security aspects of the site from within Globus
utilising User and SMS applications.
Fully testing all enhancements and functionality made to the Internet Bank from both Globus and
website perspective.
June 2001 to April 2002
Model Bank/Media
Managing Model Bank team of ten. Ensuring all testing of new enhancements to the software is
completed in accordance with procedures written. Also managing Media team of three overseeing
review, editing and writing of User Guides, Help text and other various media products associated
with Globus.
Writing of procedures for review, testing, analysis and documentation of all Globus product within the
Model Bank team.
July 1994 – March 2000 - Den norske Bank ASA
Supervisor, Customer Services/Operations
Managing team of 5, checking and authorising inbound and outbound sterling and currency SWIFT,
CHAPS and BACS payments. Investigation and resolution of customer enquiries for blue-chip
Corporate Accounts. Responsible for checking and maintenance of Nostro Reconciliations reports.
Preparing reports and statistics on outstanding items and investigations. Investigating outstanding
items on Nostro and internal accounts. Liaising with clients and other banking institutions.
Investigating and resolving queries initiated by clients and corresponding banks. Dealing with and
paying claims for compensation/loss of interest.

7. Other areas of responsibility included authorising foreign exchange/fixed deposits transactions,
nostro/vostro account reconciliations, cheque clearing and processing, standing orders and direct
debits.
Manage all testing and implementation of System changes relating to Customer Services.
Responsible for production of Departmental procedures.
September 1988 – July 1994 - Alliance and Leicester Girobank PLC
1993 - 1994 - Senior Clerk, International Operations
Responsible for processing inward and outward sterling and currency payments for corporate
accounts on SWIFT and CHAPS Systems and CGO & CMO settlement systems.
1992 - 1993 - Clerk, International Division
Responsible for day to day management of vostro accounts and reconciliations. Dealt with customer
enquiries.
1990 - 1992 - Clerk, Corporate Accounts
Processed Small Business Account opening requests. Dealt with customer enquiries.
1988 - 1990 - Clerical Assistant, Administration/Office Services
Played significant role in supporting the Administration Manager in Ashford. Main role consisted of
the purchase of Bank stationery and other products and the subsequent distribution within the Branch
and to customers of the Bank. Managed ledger/purchase ledger function. General maintenance of
the Branch.
INTERESTS
• Music and song-writing, guitar playing, gaming
• Football, American Football, Baseball
• Reading and music
• History – reading about it and visiting places
REFEREES
Personal Mr Nic Spicer Employment Mr Tom Newell
33 Randle Way Royal Bank of Scotland plc
Bapchild 2 ½ Devonshire Square
Kent ME9 9PW London EC2M 4BA