John Bugeja is a highly experienced trade, supply chain and invoice finance specialist with more than 40 years’ experience in senior leadership roles with HSBC, NatWest, RBS, Barclays and Lloyds Banking Group. John is now Managing Director of Trade Advisory Network Limited, a trade, supply chain and invoice finance advisory network delivering product development & innovation, operating model design & implementation, training & education and deal structuring & placement solutions to banks, alternative finance providers, FinTechs, technology service providers and corporates. Key areas of expertise include origination, risk and governance, product management and development, business development, organisation design, change management, process facilitation, training and management development. John is passionate about promoting the development of supply chain finance in all its forms and was a member of the drafting group that wrote the ICC rules for the Bank Payment Obligation (URBPO). John is also co-author of the ICC Academy’s Advanced Supply Chain Finance online course, a core module of their CTCP programme.