Phil is pioneering Causal Decision Intelligence for organisations making consequential decisions about people. Where black-box models predict what is likely, CADi reasons about cause and effect: what happens if we act? Each decision carries a certificate and tamper-evident audit trail - evidence for why it was right, not merely an explanation.

He brings a quarter century of experience leading transformation across financial services, insurance and customer operations, including senior roles at NatWest Group, Barclaycard, Travelport, Computershare and Endsleigh.

His work is driven by protecting vulnerable customers, increasing trust in AI, and giving firms causal evidence for accountable decisions. In payments, that might mean recovering good customers wrongly declined by fraud models; in agentic systems, detecting model drift and surfacing interventions that protect long-term relationships, not just one transaction's margin.

From finance and gambling to any setting where decisions affect people, the aim is better decisions that can be proved. In regulated environments, that supports the EU AI Act, Consumer Duty and SM&CR. Predictions guess. CADi proves: fewer wrong decisions, audit-ready AI, and relationships organisations can stand behind. Intelligence with Integrity.