These appointments reflect CashFlows' commitment to its business expansion plans, sourcing a pool of global experience to help support its growing presence in the international cards and payments industry. James Richardson joins CashFlows as Chief Financial Officer (CFO) and Neil Graham as Chief Operating Officer (COO), reporting to Chief Executive Officer and founder, Nick Ogden.

Richardson and Graham bring a wealth of experience and rich skill set to their new roles. James Richardson joins CashFlows from his role as CFO, Western Europe, at Global Payments, where he led finance, accounting, pricing and business development across the region for the Fortune 1000 business. Prior to this position, Richardson led the sale of HSBC's UK card acquiring business to Global Payments in 2008.

In his new role as CFO of CashFlows and the wider Voice Commerce Group, Richardson will be responsible for heading up financial and legal activity across the Group.

Neil Graham joins CashFlows from Western Union Business Solutions where he was Regional Managing Director. Prior to joining Western Union in 2008, Graham was Vice President of Channels and mid-market Solutions at Oracle Corporation, Asia-Pacific. He brings over two decades of international experience in management and strategy development to CashFlows. Graham's expertise will be instrumental in helping to shape CashFlows' developing commercial strategy which is currently being enhanced following the recent launch of a new card issuing division.

Nick Ogden, CEO and founder of CashFlows, said of the appointments: "These are exciting times for CashFlows and I am delighted to welcome James and Neil to the senior management team to help enhance our strategy behind one of the busiest activity periods to date for the company. With the recent launch of CashFlows' card issuing business this is the opportune time to integrate James' strong payments experience and Neil's global and senior management expertise into the company."

On his appointment James Richardson said: "CashFlows is a fast-paced, growing company with high ambitions and a wide breadth of industry knowledge and expertise. I am delighted to be joining the company at such a critical moment in its development. I look forward to using my experiences to support Nick and his team in the dynamic and changing marketplace in which CashFlows has already seen large commercial successes."

Neil Graham added: "With its reputation for providing reliable and alternative financial services and support, CashFlows is in a strong position to tackle the pain points born from the economic fallout which continues to saturate news and government agendas. This is a great opportunity to manage the ambitious team at CashFlows as the company seeks to explore global payment alternatives which help benefit businesses and consumers alike."