Andy Nicholas is the Founder of Payment Intel Consulting and operates as an advisor to large Multinational Corporates, banks and Schemes advising on Payment related initiatives including Commercial Card and B2B payments.  

Andy has over 30 years of Payments experience and prior to building the Payment Intel Consulting business, held the position of  Vice President and General Manager, Global Business Development EMEA/JAPA at American Express where his business focused on Multinational New Business prioritized across T&E and B2B.   

In addition, Andy spent 25 years at Citi in varying Commercial Card leadership roles across both Technology and Sales & Relationship Management. During his time at Citi, Andy served as Citi’s Head of Commercial and Prepaid Card Sales and Account Management EMEA.