EML brings strategic know-how, proven payments expertise and configurable technology together to power complex payment flows. For more than 20 years, we've helped organisations launch, run and scale payment programs across APAC, Europe, the UK and North America.
Trusted to power complex payment programs at scale.
We’ve changed a lot over the past twenty years. Our focus hasn’t. We help clients turn complicated payments problems into programs that work. Reliably, intelligently and at scale.
Starting in prepaid and card programs more than two decades ago, we've grown into a global payments business built on practical experience, trusted partnerships and a track record of solving complex payments challenges.
Today, we support organisations across Workforce, Government, Commercial, Retail and Mobility sector payments. We know successful programs take more than technology. They need smart strategy, rigorous operations, licensed infrastructure and people who know how to keep payments moving every day.
We combine the discipline to manage complexity with the ingenuity to make payments work better. Our end-to-end capabilities have been honed over decades and delivered through highly configurable platforms built to adapt as client needs evolve.
Across APAC, Europe, the UK and North America, our teams pair global capability with local market knowledge, helping clients navigate regulation, market realities and growth opportunities in each region.
One partner with the card issuing and processor platform, the licence and the people to launch your program and keep it running as it scales.
Cards, accounts, wallets, money movement, controls and data brought together and configured around your program.
APIs, pre-built components, white label portals and partner integrations. Connect in the way that works for your team.
Issuer, processor and program manager capability in one place, with the licensed infrastructure to run complex and regulated programs end to end.
Real experts alongside the technology, from pilot through to live operation. You get a partner, not a ticket number.
Security, access controls, data protection, fraud monitoring and sanctions screening protect your program, your users and your money, informed by local regulatory environments.
Live across APAC, Europe, the UK and North America, with teams who understand local rules, schemes and market realities based on decades of experience.
Overland Park, USA
6100 Sprint Parkway, Suite 4325 Overland Park, KS 66211 001.800.755.5001
Dublin, Ireland
The Greenway, Block C, Ardilaun Court 112 to 114 St Stephen’s Green Dublin 2, D02 TD28 +353 (0)1 255 7111
Birmingham, UK
4th Floor, 11 Brindley Place Birmingham B1 2LP
London, UK
4th Floor, 35 Great St Helen’s London, EC3A 6AP +44 121 212 1116
Malta
2 Triq G. Farrugia Santa Venera, Malta
Sofia, Bulgaria
TETRIX, 23A Dragan Tsankov Blvd Iztok, 1113 Sofia, Bulgaria
Melbourne, Australia
Level 13, 440 Collins Street Melbourne VIC 3000
Sydney, Australia
Suite 2, Level 24, 31 Market Street Sydney NSW 2000
Brisbane, Australia
Level 19, 288 Edward Street Brisbane City QLD 4000
Local licensing, payments connectivity and teams supporting complex Workforce, Government, Retail, Commercial and Mobility programs.
Regulated entities and teams in London, Birmingham, Bulgaria, Dublin and Malta supporting programs across the UK and Europe.
A regional team with issuing bank relationships supporting payments programs across North America.
Our leaders and specialists bring together expertise across payments, product, technology, operations, risk and commercial delivery. Meet the people accountable for what we build, how programs operate and how EML performs.
Anthony is a successful B2B payments industry entrepreneur, Managing Director and advisor. He was the founder and Managing Director of global payments business eNett International. eNett International and associated entity Optal Ltd were sold for AUD $940m in 2020.
Most recently Anthony was President of Travel and subsequently Executive Advisor at Wex Inc (NYSE:WEX, marketcap ~A$11b). Anthony chairs the Growth and Operational Performance sub-committee of the Board.
Adam Olding oversees the performance and operations of EML globally. With over 25 years of corporate experience, Adam has held senior executive roles in payments, technology, and media across both ASX-listed and private organisations.
Notably, Adam was part of the core team which built Optal from a start-up to a leading global virtual credit card issuer, before its sale to Wex, Inc.
Stuart Will is EML’s Chief Financial Officer, leading its global finance and treasury functions. A Chartered Accountant, Stuart has held CFO positions across listed companies, private equity–backed businesses, and unlisted organisations.
His experience spans multiple industries, including financial services, retail, and media. Over nine years at Optal Ltd, he guided the company’s financial expansion and profitability, culminating in its successful sale to Wex Inc.
Alex Mills leads EML’s group operations, including payment and finance operations. An outcome-driven executive, he specialises in delivering sustainable business growth, solving complex problems, and developing effective business strategies.
Alex spearheaded the operational growth at Optal Ltd, mobilising that business from start-up to exit. Prior to this Alex had a career in management consultancy delivering technology-enabled change programs.
Anna Gorton is EML’s Group General Counsel, leading our legal and company secretarial functions. Anna brings over 20 years’ experience as a lawyer across both ASX-listed and private organisations, including senior executive roles in SaaS — such as at Aconex Limited through its acquisition by Oracle.
Her experience spans technology, PropTech, and manufacturing, and she brings a sharp legal mind combined with strong commercial judgement to the business.
Mario Natoli is EML’s Chief Experience Officer, responsible for Marketing & Communications, Customer and Employee Experience, and People & Culture. He brings deep expertise across a range of sectors, including FMCG, gaming and entertainment, fintech, and hospitality.
Mario is committed to strengthening EML’s brand, enhancing customer and employee engagement, and cultivating a high-performance culture aligned to the company’s purpose and growth ambitions.
Patrick Hall is responsible for EML’s commercial strategy, including sales, customer success, account management, partnerships, and marketing. With over 25 years of global leadership experience, Patrick has a proven track record of driving sustainable revenue growth across diverse industries.
Paul Boorer is EML’s Chief Technology Officer. Paul brings deep expertise in payments, system architecture, compliance, and large-scale automation. He previously served as VP of Technology at WEX Inc., where he led global payments and treasury platforms, and as CTO at Optal, where he architected and delivered secure, scalable payment systems.
Earlier in his career, Paul held senior technology roles at NAB and ANZ, delivering major banking and payments transformations across Australia and internationally.
Peter serves as an Executive Director on the EML Board and is responsible for overseeing the strategic review of the business, executive sponsorship of key strategic initiatives and corporate development globally.
Previously, Peter was Group Executive for the ASX-listed company McMillan Shakespeare Ltd and contributed significantly to the successful IPO of this business. Peter held various positions with Colonial Ltd in its funds management division.
Robi Gyorky is EML's Chief Product Officer. Robi leads the global product function, overseeing product strategy, new product development, and growth initiatives across EML's payments portfolio. He brings over 15 years of payments and fintech experience, with deep expertise in scaling enterprise payment products and building high-performing global product teams.
He previously served as Senior Director of International Mobility Product and Director of Enterprise Payments Product at WEX Inc., driving product-led growth across multiple portfolios and regions. Prior to WEX, Robi held senior roles at both Optal and WorldFirst, each acquired during his tenure.
Anthony is a successful B2B payments industry entrepreneur, Managing Director and advisor. He was the founder and Managing Director of global payments business eNett International. eNett International and associated entity Optal Ltd were sold for AUD $940m in 2020.
Most recently Anthony was President of Travel and subsequently Executive Advisor at Wex Inc (NYSE:WEX, marketcap ~A$11b). Anthony chairs the Growth and Operational Performance sub-committee of the Board.
Ken Poutakidis is an experienced public company director having served on several ASX listed company Boards as Independent Non-executive Director or Chairman. Ken has enjoyed a successful 30 year career across corporate finance, capital markets, M&A and related advisory.
His immediate last role was Managing Partner Corporate Finance at Findex where he led a team specialising in capital raisings, asset divestment, acquisitions and strategy development.
Petrina Coventry is a seasoned global leader with over twenty years of experience across Asia, the US, and Europe, including senior roles at GE, Coca-Cola, and Procter & Gamble.
Her expertise spans sectors such as financial services, healthcare, and fintech, where she has focused on governance, ethics, business development, human resources, and organisational strategy. A Fellow of multiple organisations, Petrina also serves as a Non-executive Director and Chair for several listed and not-for-profit entities.
Andre Reich brings a wealth of experience in large-scale transformation programs that have significantly increased shareholder value. He has an impressive executive career in Australian retail, having served as CEO/COO of several of Australia's largest retail brands, including ASX-listed companies, each with its own successful transformation story. Andre has been consulting to private equity firms and advising companies undergoing strategic change, leveraging his strategic and operational expertise
EML combines configurable technology, regulatory know-how, proven expertise and end-to-end capability to solve complex payment challenges.
For employers and benefits providers managing pay, expenses, rewards and entitlements for their people.
Salary packaging
Employee rewards
Earned wage access
Expense management
For central and local government teams disbursing funds to people who need them.
Disability payments
Benefits and allowances
Carer disbursements
Emergency and crisis relief
Managed funds
For businesses moving money at scale, deliver funds quickly through flexible, branded payment experiences with built-in controls and limits.
B2B payouts
B2C payouts
Corporate incentives
Lending and credit
For brands, retailers and venues managing gift, loyalty and event programs. Create branded value customers can buy, receive and spend wherever you operate.
Gift cards
Stadiums and events
VIP programs
Loyalty and rewards
Cashback and promotions
For fleet teams managing spend beyond the pump. Fuel, EV charging and everyday mobility spend on one open-loop card.
Fleet & Fuel Expenses
*Use cases vary per region, contact Sales for more information.
See how our teams work together and explore opportunities across Australia, the UK, Ireland and North America.
Find your next opportunity at EML and join a team where you can do meaningful work, keep growing and make your mark.
Access financial results, ASX announcements, governance information and shareholder resources.
Whether you're launching, modernising or scaling, an EML specialist will map the right platform, operating model and next steps to get you there. Let's talk.
