INVESTING IN A DIGITAL FUTURE

Blockchain technologies for Compliance,
Cybersecurity and Payment System
applications

info@fiveicap.com

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OUR VISION

A global transformation is taking place in the way businesses and consumers alike manage their funds. Whist the market is driven by seamless accessibility, cost efficiencies and delivery of service, systems must be resilient, safe and secure providing the integrity and trust expected in today’s market.

Digital tools are transforming payments, keeping up with industry and consumer demand for speed, traceability and transparency is core to our investment areas and systems architecture.

Through a wide range experience in banking, regulatory compliance, systems architecture and back office processes Five Islands has developed unique technology stack enabling businesses to seamlessly implement digital strategies with minimal disruption to core processes whilst maintaining foresight for an ever evolving digital and cyber security environment.

Whilst the market is driven by speed and efficiency, systems are inhibited by legacy infrastructure and the ever- evolving regulatory environment. Our technology is designed to support straight through transaction processing, integrated “KYT” – Know Your Transaction, fully integrated back office, client on boarding and digital risk management.

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THE BOARD

Richard S Oliver OBE
Chairman

Richard S Oliver OBE has been in the Financial Services industry since 1980, working across many aspects of banking, stockbroking and finance.

Working at Board level since 1989, when he became Operations Director of Greenwell Montagu, a large stockbroking company in the UK, he spent much of his career in HSBC Group, starting in the UK and working through Germany, Austria, Russia, Dubai and Abu Dhabi, where he became Vice-Chairman in 2013, with primary responsibility for Investment and Corporate Banking.

He was head-hunted from there to become Regional CEO, Middle East & Africa for the National Bank of Abu Dhabi, the largest commercial bank in the MENA region, running the largest regional network of any regional bank.

Extensive leadership experience in the UK, the Middle East, Africa and Central Europe has been complemented by transactional leadership, with responsibility for well over 100 transactions globally. With a first class degree in PPE from the University of Oxford and a further top-placed masters degree in Business Administration, majoring in finance, from City University, he left NBAD in 2016 to focus on HNWI family investment banking business, largely in the UK and the United Arab Emirates.

Created an OBE by Her Royal Majesty the Queen in 2019 for services to British Business and the British Community, Richard joined the company as Chairman in March, 2019. He became a Fellow of the Chartered Securities Institute in 2001 and an Associate of the Chartered Institute of Bankers in 1988.

Richard S Oliver OBE
Chairman

Richard S Oliver OBE has been in the Financial Services industry since 1980, working across many aspects of banking, stockbroking and finance...

Peter McNulty
Chief Executive Officer

Peter has over 30 years of banking experience across Australia, Asia, the UK, Russia, and Europe, and has held CEO, COO, and CFO positions across a number of blue chip banks spanning his career, predominantly in Emerging Markets.  Peter is a chartered accountant and a Fellow of the Irish Institute of Chartered Accountants and a member of the Australia New Zealand Institute of Chartered Accountants.  He also holds an MBA (Exec) from the Australian Graduate School of Management.

Peter trained as a chartered accountant with Deloitte in Dublin before emigrating to Australia where he quickly moved into banking with Credit Suisse First Boston (now Credit Suisse) in 1988.  He worked predominantly in Finance and took on roles in Australia, Singapore and London, leaving in 2002 to join Barclays Capital in Hong Kong as its Asia Pacific regional CFO.  In that role Peter was a key member of the Executive team which grew the business from £100m in revenues per year to just under a £1billion in 6 years.

Subsequently he moved to Moscow to the Renaissance Group where he was a Partner, COO, and CFO for the Group which traded, managed and invested in assets across Russia CIS, The UK, the US, Hong Kong, and Sub-Saharan Africa.

Peter McNulty
Chief Executive Officer

Highly experienced C- suite professional having held CFO, COO and CEO positions across multiple banks during the last 30 years...

Alexander Lubin
Executive Director

Alexander Charles Lubin is an expert in payment systems. Starting out in the City of London in 1999 he spent several years working in a number of different sectors in investment banking before moving into corporate finance and private clients at Williams de Broe.

He later moved into the payments arena specialising in acquiring processing, mobile payments and white label prepaid debit card programmes and helped launch the first contactless payments debit card programme in Europe in conjunction with Manchester City FC.

Focussing for several years in this space he later joined the Hertford International Group PLC and was instrumental in its’ listing on the Alternative Investment Market on the London Stock Exchange. 

Working with the board of Directors Alex focused mainly on Mergers and Acquisitions for the company identifying strategic acquisitions in order to cross sell products and services as well as enhance back office, risk and compliance functions.

Alexander Lubin
Executive Director

Has over 15 years payments industry experience specialising in acquiring, mobile payments and money transfer systems....

Nicholas Lubin
Executive Director

Nicholas Maximilian Lubin has extensive experience within the finance sector, having started his career in finance in 2000 within the payments industry. During this period, Nicholas specialised in acquiring processing, mobile payments and the prepaid debit card space.

Focusing on technology, Nicholas concentrated on project management and implementation of money remittance and Foreign Exchange based pre-paid debit cards.

Nicholas focused on integration of back office systems and departments across client groups of companies identifying areas of cost reduction and cross-selling opportunities of products and services throughout the clients’ customer databases.

Nicholas has been instrumental in the architecture and development of proprietary technology and blockchain based financial reconciliation and core banking systems.

Nicholas Lubin
Executive Director

Nicholas Lubin has extensive experience within the finance sector, having started his career in 2000 within the payments industry...

Pritesh Pankhania
Chief Financial Officer

Pritesh has worked in the banking and financial sector for the past 25 years.  Pritesh is a highly experienced C-suite individual having held CFO, COO and senior control positions across global banking and financial institutions. Typically, Pritesh has been deployed into areas of strategic importance positioned for future growth or major transformations of business models.

After qualifying as an ACA at KPMG, Pritesh moved to Barclays Capital, where he spent 17 years. At Barclays Capital, Pritesh gained broad experience within the Finance function, holding a number of senior control positions including CFO Barclays Americas, Global Head of Credit Product Control, UK Head of Financial Reporting and Global Head of Finance Projects. In 2008, Pritesh moved to the front office, where he was the global COO for the Structuring Division. In addition to Pritesh’s broad Finance background, he was significantly involved in supporting the Structuring Division in defining and executing its business strategy since 2008.

After leaving Barclays, Pritesh has been consulting and has successfully managed significant transformation programmes at Lloyds Bank (Treasury Finance transformation), Centrica Plc (Build out of a Product Control function for its energy trading business) and Jefferies Investment Bank (Integration Programme Lead for the bank’s data transformation initiative). Recently Pritesh has been providing Compliance, Risk and Regulatory consultancy services to a broad range of organisations, including HSBC Canada (KYC Remediation Project) and a number of fintech start up businesses.

Pritesh Pankhania
Chief Financial Officer

Pritesh is a highly experienced C-suite individual having held CFO, COO and senior control positions across global banking and financial institutions...

Stephen Head
SIRO

Prior to Stephen’s appointment as the company’s Senior Information Risk Officer, he enjoyed a career spanning 15 years with the City of London Police achieving the rank of Commander and having been the first police officer appointed with national responsibility for coordinating the country’s combined approach to combatting Economic Crime. During this time, he became internationally recognised as one of the world’s leaders in this field.

Stephen was instrumental in building up the UK’s understanding of the true impact of cyber-technology on crime, bringing a depth of operational experience in fraud, Cyber-Crime, Counter-Terrorism and Anti-Corruption to bear, in transforming national policy and creating the first UK cross-sector strategy for the prevention of economic crime; in addition to routinely advising government, heads of policing and other security agencies across the UK and abroad.

This led to the creation and management of the first specialist Intellectual Property Crime unit, a joint team with policing, private sector partners, UK government and international technology companies where Stephen fulfilled the role of the UK’s first ever EU SPoC(Single Point of Contact) for European Union related fraud and economic crimes.

Stephen is also acknowledged for having established UK policing’s most extensive network of national and international policing experts, including expertise in physical security protection, anti-corruption, anti-money-laundering and counter-fraud practitioners, along with other subject-matter experts through his role as National Coordinator.

He created the UK’s first formally recognised Economic Crime Protect and Prevent network to coordinate cybercrime and crime-prevention activities across policing, government agencies, national regulators, and many private sector organisations.

Most recently, as Chief Security Officer at Virgin Money, Stephen had responsibility for all Cyber and information, Physical, Executive and Intellectual Property Security. Stephen can be credited for the development and implementation of Virgin Money's first fully integrated Security Strategy, approved by the board in 2017, along with a rolling three-year investment and technical plan to modernise and strengthen the Bank's combined security defences.

Stephen Head
SIRO

Prior to Stephen’s appointment as the company’s Senior Information Risk Officer (SIRO), he enjoyed a career spanning 15 years with the City of London Police...

Dr. Hamed Al Suwaidi
Executive Director - FiveIQ Ltd

Dr. Hamed Bin Mohamed Khalifa Al Suwaidi was born in Abu Dhabi in 1983 into an eminent, culture and arts oriented, Emirati family with profound influence in the development and growth of the United Arab Emirates.

Dr. Al Suwaidi holds a bachelor and master’s degrees from Regents University London and theUniversity of Portsmouth, where he also gained a PhD in Economics & Finance. In 2014, he received the Freedom of The City of London and became a liveryman of The City of London Corporation. In 2019, he became a liveryman to the Society of Arts Scholars and a Governor to the Royal Humane Society.

Following 14 years as the Regional CEO, Middle East & Africa of the National Bank of Abu Dhabi (First Abu Dhabi Bank), Dr. Al Suwaidi is currently the Chairman of AES Limited Abu Dhabi - a company with UK representation focused on trade, education and arts.

Dr. Al Suwaidi holds fellowships of The Institute of Leadership and Management of London, Institute of Directors, Institute of Administrative Management, Royal Statistical Society, Geological Society of London, Royal Society of Arts, and The Institute of Travel & Tourism.

Dr Al Suwaidi's passion for the arts and culture led him to found The Abu Dhabi Arts Society which housed unique projects including the creation of the first-ever Emirati tartan. In addition, being a member of a family with long history of culture and arts, Dr. Al Suwaidi established the Al Suwaidi Foundation and Ousha Bint Khalifa Al Suwaidi (Fatat Al Arab) Foundation which will witness outstanding works and projects with focus on the UAE culture. Dr. Al Suwaidi is also the patron of the National Portrait Gallery in London and the Official Patron of the Arts at The British School Al Khubairat in Abu Dhabi.

Dr. Hamed Al Suwaidi
Executive Director - FiveIQ Ltd

Dr. Hamed Bin Mohamed Khalifa Al Suwaidi holds a bachelor and master’s degrees from Regents University London and the University of Portsmouth, where he also gained a PhD in Economics & Fina...

Lupus Maltzahn
Non-executive Director

Lupus is a senior business leader of advisory and investment businesses with over 25 years of experience.  He has built and run a number of large businesses most notably as a senior partner at Accenture. As a thought leader he has presented and written on a wide range of topics related to financial services, transformation and governance for publications such as the FT, Wall Street Journal, Bloomberg Television and many others.

Lupus grew up in Germany and came to the UK to study history at Oxford University. After Oxford he joined Andersen Consulting’s UK Financial Services practice, where he rose through the ranks learning how to shape and successfully lead complex transformation in investment banking and exchanges.  At the end of the 1990s Lupus took this experience to private equity and activist investing.

Following a severe accident in 2002 and a lengthy period of recovery, Lupus returned to consulting first part time and then by re-joining Accenture.  In his time there held a number of senior leadership roles including global head of wealth and asset management, head of UK capital markets management consulting, as well as head of the UK FS and overall strategy consulting business.

Over his career, Lupus has built extensive experience of formulating and executing strategies, working closely with incumbent clients, new entrants, technology disruptors and regulators in many countries.  He has deep understanding of the processes involved in disruptive growth, transformation, new operating models, merger integration, design thinking, and regulatory negotiation and approval.  Since leaving Accenture, Lupus has brought his skills and experience to a growing portfolio of advisory, non-executive and executive roles at a number of start-ups in the fintech and investment management sector.

Lupus Maltzahn
Non-executive Director

Lupus Maltzahn is a senior business leader of advisory and investment businesses with over 25 years of experience.  He has built and run a number of large businesses most notably as a senior partner a...

Jamal Al Ramahi
Executive Director - FiveIQ Ltd

Jamal brings Five Islands Capital 25 years’ experience at senior executive level in a number of Abu Dhabi’s most significant institutions. Senior appointments include the Supreme Petroleum Council, the Abu Dhabi National Oil Company (ADNOC) the Abu Dhabi Investment Authority, Borouge, the Abu Dhabi Ports Company and Senaat.

A UAE national, Jamal has strong educational and commercial ties to the United States and Asia. He is the Managing Partner, founder and CEO of Sage Capital Partners, Chicago, and a partner at an Abu Dhabi consulting firm providing services to multinational clients. Jamal is a graduate of Indiana State University.⁣

Jamal Al Ramahi
Executive Director - FiveIQ Ltd

Jamal brings Five Islands Capital 25 years’ experience at senior executive level in a number of Abu Dhabi’s most significant institutions. Senior appointments include the Supreme Petroleum Council, th...
ABOUT US

Five Islands brings together industry expertise and experience to deliver cutting edge technology systems.  Through our rich understanding of business challenges, business processes compliance and systems architecture we create and enable solutions tailored for specific client needs and service delivery.

Five Islands is led by a solid management team, with extensive experience in both traditional finance and leading edge technology, all sharing the same vision and belief in the limitless applications of blockchain technology.

Our collective ambition is to help drive the development and establishment of technology in parallel with the use of blockchain as a core component of the financial infrastructure of the future.

We embrace investments that are far reaching in their wider application and tailor solutions for environments with under developed infrastructure.

Privacy, data protection and integrity are the core principals behind our investment philosophy, and reinforces our belief that technology makes you smarter, puts you in control and gives you access to the information you need. Five Island is dedicated to developing easy to use technology that protects, empowers, and has a meaningful impact on people, businesses and their communities.

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KEY INVESTMENT
AREAS

BLOCKCHAIN

Through our rich knowledge and experience in banking and international financial systems Five Islands has developed a platform from the ground up embedding regulation, data integrity and security as a core foundation.

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DIGITAL TRANSFORMATION & RISK MANAGEMENT

The explosion of digitalisation across all market sectors globally has resulted in organisations requiring a robust strategy to keep up with the pace of digital innovation.

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CYBERSECURITY

A new approach to doing business is necessary for success in these times. Companies must have coherent strategies and proactive defences to combat these ever more sophisticated attempts to breach security on an ongoing basis.

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eCOMMERCE

eCommerce payments are growing year on year, online retail is growing faster than ever before but financial institutions are becoming more risk averse. Policy is inhibiting businesses and organisations from reaching their optimal capacity.

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COMPLIANCE

The compliance requirements for firms globally have increased exponentially since 2008. The expansion of digital markets has resulted in the need for innovative and flexible risk management solutions.

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PAYMENT SYSTEMS

With demand for goods and services to move quicker, more cost effectively and seamlessly Five Islands has developed unique blockchain based technology stack that enables payments to be executed in real time.

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CONTACT US

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