Wayne Mills, Chief Product Officer at ETR Digital, is the former Head of Transaction Banking Solutions for Lloyds Bank and has over 30 years banking experience across multiple regions in both corporate and transaction banking.

After leaving banking in 2022, he founded Atom Advisory to advise clients (corporates, banks and technology firms) on a wide range of topics including strategy, commercialisation, operational frameworks and digitalisation across EMEA, US and APAC.

Wayne is also co-founder and investor in ETR Digital, helping businesses with working capital optimisation using digital negotiable instruments.

Combining wide strategic, technical and commercial acumen, Wayne brings particular expertise on open account trade from buyer, seller, funder, insurer and technology perspectives.

Wayne is a frequent speaker and moderator at leading events, fora and conferences around the globe. He is based in the United Kingdom