Victor Penna is the global head of Standard Chartered’s Treasury Solutions team, a group of ex Treasurers who work with clients on treasury transformation projects. Over the past couple of years, he has been working closely with some of the world’s largest organisations on their digital transformation journeys, leading workshops and round tables with more than 250 large corporations and financial intermediaries. He is also the Regional Head of the bank’s cash management business for Europe and Americas. Victor has over 30 years’ experience in finance, banking, reengineering, systems development, and management consulting. He is a digital convert and admits to spending far too much of his time on his iPhone playing with various apps.