Fnality International (Fnality) is the commercial realisation of a four-year Research & Development project that has focussed on understanding how market infrastructure
needs to evolve to meet the challenge.

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Fnality International has been founded to create a network of decentralised Financial Market Infrastructures (dFMIs) to deliver the means of payment-on-chain in tomorrow’s wholesale banking markets.

Fnality, backed by a consortium of Financial Institutions, including many of the Globally Systemically Important Banks (GSIBs), who sponsored the “USC Project” believe that there will be widespread adoption of tokenisation, both for new and for existing assets, creating new Value Chains. A means of payment is an essential need for those Value Chains.

The shareholders of Fnality comprise: Banco Santander, Bank of New York Mellon, Barclays, CIBC, Commerzbank, Credit Suisse, ING, KBC Group, Lloyds Banking Group, Mizuho Bank, MUFG Group, Nasdaq, Sumitomo Mitsui Banking Corporation, State Street Bank & Trust, and UBS. Clearmatics continues in its role as the technology partner to Fnality.

Management Team
Rhomaios Ram
Rhomaios Ram - CEO

A former Banking Executive with 22+ years of experience, including most recently Global Head of Product Management for Transaction Banking at Deutsche Bank, Rhom has developed an interest in creating digital businesses for finance and finance related areas. He brings experience of working across a wide variety of wholesale banking businesses and functions including sales, trading, product management, and technology to his role at Fnality. The majority of his experience has been developing businesses where the product is at the intersection of finance and technology.

Olaf Ransomme
Olaf Ransome - CCO

Olaf is an expert-generalist in Financial Services matters. He brings a wealth of experience of the full front-to-back and end-to-end impact of bank operations. He is able to identify the target operating model and design the business architecture to deliver optimal processes and customer experience; building the best processes; delivering on the three key dimensions of operations: Control, Capacity and Cost.

James Coltman
James Coltman - CFO

James brings deep practical experience in multiple disciplines ranging from digital transformation, corporate strategy, organisational design, programme delivery, corporate finance and emerging technologies such as machine learning to his role at Fnality. Broad geographic experience including Europe, North America and Asia.

Robert Fanshawe
Robert Fanshawe - CPO

A highly driven entrepreneurial People & Talent leader with global experience delivering HR solutions for listed and scale-up companies across Ad-Tech, FinTech and HR-Tech, one of which he founded. Rob's mission is to help people and opportunity meet. He is focussed on driving business results for Fnality through hiring, engaging and helping develop the best talent in the market who are passionate, smart and bring with them a learning mindset.

Jim Turley
Jim Turley - Chairman

Jim spent his banking career with Deutsche Bank, and before that Bankers Trust, in both Tokyo and London. Most recently he was Global Co-Head of Group Technology and Operations at Deutsche Bank. From 2011 – 2013 Jim held the position of Deutsche Bank’s Global Chief Operating Officer for Transaction Banking, having previously held senior cross asset sales and trading management positions within the Global Markets Division. Jim served on Deutsche Bank’s Executive Committee as COO, was on the Group Operating Committee and also chaired the Global Markets Culture Committee. In addition, Jim has served on the board of the DTCC and the NY Fed Foreign Exchange Committee. He brings a wealth of leadership experience across Operations, Technology, Risk, Legal and Finance.

Daniel Heller
Daniel Heller - Regulatory Affairs - Advisor

Daniel is an expert in financial sector regulation and financial stability. He held various senior positions at the Swiss National Bank (SNB), the Bank for International Settlements (BIS)  and the International Monetary Fund (IMF).  As a visiting fellow at the Peterson Institute for International Economics (PIIE) in Washington he published widely on the impact of blockchain based financial innovation and how it should be regulated. He received a PhD degree in Economics from University of Bern and was a research fellow at Stanford University.

Adam Clarke 300x300
Adam Clarke - CTO

Adam has 18+ years experience working with corporates and start-ups in technical roles from developer to CTO. He has worked as an architect in several large investment banks focussing on treasury. With a
particular interest in progressing technology in new and interesting ways, specifically providing solutions that are scalable, reliable and decentralised, he has experience of building operations teams to support such systems.
He brings knowledge from a number of industry sectors including banking, insurance and retail.

Gary photo-1
Gary Chu - General Counsel

Gary combines legal excellence with a deep understanding of business, technology and policy drivers to deliver first rate advice. Before joining Fnality International, Gary practised law at a global investment bank and at leading firms in England and Australia. His work in FinTech has
been recognised by FT Innovative Lawyers Awards Europe and Legal500 UK. He holds a law degree from The University of Melbourne, as well as qualifications in finance and music.


Banco Santander, Bank of New York Mellon, Barclays, CIBC, Commerzbank, Credit Suisse, ING, KBC Group, Lloyds Banking Group, Mizuho Bank, MUFG Group, Nasdaq, Sumitomo Mitsui Banking Corporation, State Street Corporation, UBS

To find out more about joining the Fnality team

Visit our Careers page