Melinda is Managing Director at Lloyds Merchant Services, leading with a focus on innovation and customer-centric strategy. She brings deep experience in payments and fintech, with a passion for helping businesses of all sizes grow. At Lloyds, Melina is advancing a modern payment acceptance offering that spans in-store, online, and embedded finance solutions, empowering SMEs with enterprise-grade tools and supporting larger businesses with scalable platforms that drive efficiency and uptime. Prior to Lloyds, Melinda held senior roles at Square, PayPal, Afterpay, and Uber, as well as an earlier position at Lloyds in Cards and Payments. Known for her leadership in payments and business transformation, Melinda is a frequent speaker on the future of payments, retail, hospitality and economic growth. Her work reflects a strong commitment to enabling innovation and resilience across the UK's business landscape.