<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-WTMQ4QSL" height="0" width="0" style="display:none;visibility:hidden" title="gtm-frame"></iframe>Investor information for Zempler Bank
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Investor information

Making money simpler

Zempler Bank is enabling a more open and successful financial future

“Our continued growth demonstrates the strength and resilience of our business model and our ability to provide easy-to-access, simple-to-use digital banking, lending and embedded finance solutions to customers in large, underserved markets.”

Rich Wagner, Founder and CEO, Zempler Bank

Annual reports and disclosures

Financial statements 2023

Read our financial statements for the year ended 31 March 2023

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Pillar 3 disclosures

Read our Pillar 3 disclosures for the year ended 31 March 2023.

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Financial year 2023 highlights


£52 million

A 28% year-on-year increase

Profit after tax

£5.5 million

Up £7.7 million on the previous year

Deposit growth


Deposits now at £152 million

Board and Executive

Board members

  • Mark Sismey-Durrant

    Mark Sismey-Durrant

    Chair of the Board

    Mark has more than 40 years’ experience in banking, starting at Midland Bank in 1978. He has focused his career on specialist challenger banking and was CEO of three such banks over a period spanning 23 years – Sun Bank plc, Heritable Bank plc and, more recently, Hampshire Trust Bank Plc.

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  • Peter Elcock

    Peter Elcock

    Senior Independent Director

    Peter has more than 40 years' financial services experience, including 27 years at Barclays. He specialises in risk management and was Chief Risk Officer of Coventry Building Society and Executive Director and Chief Risk Officer of Charter Court Financial Services. Peter is also the Chairman of the Suffolk Building Society.

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  • Francesca Shaw

    Francesca Shaw

    Independent Non-Executive Director 

    Francesca has more than 40 years’ experience across a wide range of senior governance and commercial roles in UK and international banks. Before retiring in 2020, she served as a Chief Financial Officer at C Hoare & Co. in London.

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  • Julia Warrack

    Julia Warrack

    Independent Non-Executive Director

    Julia is a banking sector expert having worked at C-Suite level at Vanquis Bank and as an Managing Director at JP Morgan Chase. She brings extensive experience across the private and public sectors in both regulated and non-regulated industries to the role of INED.

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  • Barbara Gottardi

    Barbara Gottardi

    Independent Non-Executive Director

    For the past two decades Barbara has worked as Chief Information Officer and in other senior executive roles at leading financial institutions including Vanguard and HSBC. In 2022 she founded Finbridge Global, a platform that onboard and assess fintech reducing the RFI process for Financial Institutions and the research time for investors.

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  • Jim Jones

    Jim Jones

    Non-Executive Director

    Jim has over more than 35 years' senior management experience in the banking, consumer lending and payment processing sectors. He currently serves as Executive Chairman at Qualpay.

  • Rich Wagner

    Rich Wagner

    Chief Executive Officer and Board Director

    Rich is CEO and founder of Zempler and has over 30 years of experience in payments and banking, including executive roles at Visa, Barclaycard and Providian. Outside of his work at Zempler, Rich is an active and vocal industry advocate including as a former Chair of the Payments Association and as a current member of the UK Finance Payments Board.

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  • Dominic Wade

    Dominic Wade

    Chief Financial Officer and Executive Director

    Dominic has a 20-year track record in executive finance roles with experience ranging from major international banks to smaller UK specialists. He spent 13 years in a range of leadership positions at NatWest Group and more recently served as Chief Financial Officer at SME-focused challenger banks Alba Bank and Unity Trust Bank. 

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Executive committee

  • Paul Schooley

    Paul Schooley

    Chief Commercial Officer

    Paul's 22+ years in credit, risk and pricing optimisation for unsecured payment products have seen him facilitate significant revenue growth for the likes of NatWest and GE Capital.

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  • Tatiana Lipiyaynen

    Tatiana Lipiyaynen

    Chief Customer and Marketing Officer

    Tatiana brings more than 30 years' experience across strategy consulting and marketing. She has worked for American Express, British Telecom and Virgin Money Investments (a joint venture between Virgin Money and Abrdn), where she held a number of senior marketing and strategy roles. 

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  • Solomon Osagie

    Solomon Osagie

    General Counsel

    Solomon is an experienced corporate lawyer with an extensive in-house and private practice background in payments and banking. He was appointed to the Law Society’s Company Law Committee in 2011 and sits on several advisory and industry boards. 

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  • Dominika Alzapiedi

    Dominika Alzapiedi

    Chief People and Talent Officer

    Dominika has a wealth of experience in HR leadership roles across banking and other sectors. Prior to joining Zempler Bank, she was People Chief Operating Officer at Rathbone Brothers PLC and previously held senior roles at EFG Bank and C. Hoare and Co, among others.

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  • Colin Webb

    Colin Webb

    Operations Director

    Colin has more than 20 years’ experience working in operations roles across the financial services, retail and telecoms sectors, including senior positions at Santander, Barclaycard, and Asda.

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  • Richard Bastin

    Richard Bastin

    Chief Technology Officer

    Richard has more than 25 years' experience in IT, providing highly scalable and secure solutions for global organisations, including Barclays and HSBC. He has also held CTO roles at RateSetter, Lebara and Currencycloud.

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  • Andreya Smith

    Andreya Smith

    Internal Audit Director

    Andreya has more than 25 years' experience in risk management, governance, and internal control. She developed strong regulatory knowledge at senior audit leadership roles including Optal, MUFG Bank and CLS Group.  Andreya is a chartered member of the Institute of Internal Auditors.

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  • Aris Asimakis

    Aris Asimakis

    Chief Risk Officer

    Aris has broad risk management experience across regulatory and UK banking institutions. Over the last 15 years he has worked in senior roles at Vanquis Bank, the PRA, and Tesco Bank. Aris was awarded the Chartered Financial Analyst charter in 2014.

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  • Nick Biggam

    Nick Biggam

    Commercial Director

    Nick has spent 25 years leading startups and established businesses in the UK and Europe. His expertise runs from B2B product innovation to service delivery and customer acquisition.

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© 2024 Zempler Bank

Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK. 

For full website terms including information on Zempler Bank, Mastercard and use of trademarks, please see our full legal disclosures at https://www.zemplerbank.com/legal/. Zempler Bank Limited (“Zempler Bank”) is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). Zempler Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140. 

Zempler Bank provides credit facilities subject to approval and affordability, and where accounts continue to meet Zempler Bank credit criteria.