Profile
Johnny O'Sullivan
Product, Payments & Digital Money Leader
Professional Summary
I am a senior product and payments leader with deep experience across offshore finance, banking operations, digital money, and tokenised asset architecture. My work spans client delivery, regulatory alignment, operational resilience, and the design of next-generation payment systems. I combine hands-on execution with strategic thinking, delivering clarity, structure, and measurable outcomes in complex financial environments.
Core Expertise
- Payments Architecture & ISO 20022
- SWIFT, Correspondent Banking & Cross-Border Flows
- Client Delivery & Operational Excellence
- Risk, Controls & Regulatory Alignment
- Digital Money & Tokenised Asset Frameworks
- Product Leadership & Systems Design
Track Record
I have led product, payments, and client delivery functions across major financial institutions including HSBC, RBC, Mourant, Apex/Sanne, GoldMoney, and BankClarity. My work focuses on building resilient systems, improving operational accuracy, and delivering high-trust financial products that meet regulatory and client expectations.
- Designing and delivering multi-jurisdictional payment flows
- Implementing ISO 20022-aligned messaging frameworks
- Leading client delivery for complex financial platforms
- Building operational control environments for regulated entities
- Developing digital-money architectures adopted by industry practitioners
Digital Money & Tokenisation
I author a series of books on digital money, tokenised assets, and the future of financial infrastructure — providing structured, practical frameworks for understanding how digital value moves through regulated systems.
The Global Regulation of Digital Money
The Rise of Tokenised Assets & Stablecoins
The Demise of Bitcoin
Selected Projects
Tokenised Payments Architecture
A practical model for how tokenised value can move through regulated financial systems while maintaining compliance, auditability, and operational control.
Time Allocation Protocol (TAP)
A structured decision-making framework designed to optimise personal and organisational time allocation.
Racing OS Pro
A performance-analysis system applying structured decision logic to motorsport strategy.
Professional Philosophy
I believe financial systems must meet these standards while enabling innovation in payments and digital money.
- Accurate
- Auditable
- Operationally resilient
- Client-centric
- Regulator-aligned
Availability
Available for senior roles in the following disciplines.
- Payments
- Product
- Digital Money
- Client Delivery
- Operational Risk & Controls