Our Company

Launched in 2010, TransferMate Global Payments offer the smartest solution for business worldwide to both send and receive international payments.

Using our online platform and global banking infrastructure, we virtually eliminate the cost of sending international payments by collecting and sending payments using our own local bank networks. Our clients benefit from better exchange rates, lower bank transfer fees and direct integration into their back end accounting systems.

TransferMate now employ over 165 staff in our offices across Europe, North America and Australasia and have won several major awards globally for providing both clients and partners with innovative payment solutions.

Over 35,000 clients worldwide have changed the way they send and receive their international foreign currency money transfers. Employing some of the best minds in payments, compliance and fintech globally, the team at TransferMate are constantly innovating to ensure that our range of solutions are the best in the world.



Our Team

Global Leadership Team

With thousands of clients booking millions of dollars in money transfers every day our team is dedicated to delivering the best possible experience for our clients. Our customer service lines are open 24-hours Monday to Friday where our clients can book payments and receive advice from one of our dedicated account managers.

Meet the Team

  • Sinead Fitzmaurice

    Sinead Fitzmaurice

    FCA, M Inst D –
    Co-Founder & CFO

    As co-founder and CFO, Sinead is responsible for building TransferMate's robust regulatory and operational infrastructure. Today, TransferMate are proud to have secured regulatory licences throughout Europe, Australasia and every US state, a rare achievement in our industry. Trained and qualified as a Chartered Accountant with Pricewaterhouse Coopers, Sinead has over 20 years' experience in senior risk management roles within financial services.
    Sinead is a member of the Institute of Chartered Accountants in Ireland, England and Wales and a member of the Institute of Directors Ireland. Furthermore, Sinead is listed as one of Ireland's Top 100 Most Innovative and Influential CFO's and has also been listed within the Fintech Innovators List 2017.

  • Terry Clune

    Terry Clune


    As co-founder of TransferMate and CEO of The Taxback Group, Terry is responsible for overseeing and steering the long-term growth of the company. With a proven track record of scaling market leading financial services businesses across the globe over the past 20 years, Terry focuses on high-growth strategic opportunities, ensuring continual global expansion of TransferMate.
    A graduate of Trinity College Dublin, Terry formulated the taxback.com business concept while working in Germany as a student. Terry remains the innovator and driver of the Taxback Group to its present global market leader position, with a presence across 32 countries.
    In 2009 Terry was named Ernst & Young Entrepreneur of the Year in Ireland.

  • Rafael De La Vega

    Rafael De La Vega

    Board Advisor USA

    As Board Advisor USA, Rafael brings over 20 years' experience in Fintech and Digital Transformation to TransferMate. Rafael was recently an executive with Intuit Inc. where he led the digital transformation of the QuickBooks online platform to create the largest cloud-based ecosystem in the world for small businesses.
    Previously, Rafael held various senior positions at Visa, including VP of Global Vertical Solutions and Head of Global Commercial Products. Rafael developed and pioneered Visa's cloud-based information systems and B2B cross border payment solutions. Rafael also founded Inquvate, a business accelerator specializing in payments and financial technology. Furthermore, Rafael is an advisor and mentor to startups and entrepreneurs.

  • Peter Oakes

    Peter Oakes

    FCA, M Inst D –
    Non-Executive Director

    As Non-Executive Director, Peter brings a wealth of international knowledge to the TransferMate team as the company continues to expand across all major jurisdictions. A noted Fintech leader with more than 20 years' experience in international financial services, ranging from the Head of Enforcement at the Central Bank of Ireland to the FCA in the UK and ASIC in Australia, Peter has impressive knowledge across strategic business management, regulatory supervision, enforcement, law and financial crime.
    Furthermore, working tirelessly across the Fintech industry Peter is the founder of Fintech Ireland, Fintech UK and Compliance Ireland.

  • Michael Horgan

    Michael Horgan


    As Chairman, Michael is responsible for providing leadership to the Board of Directors. A Chartered Director, Michael is the Chairman of the Higher Education Authority Ireland and was previously a board member of The Rotunda Hospital, Beaumont Hospital and a member of the Senate of the National University of Ireland. In addition, Michael is former Chief Executive of the Royal College of Surgeons Ireland.
    With a BSc in Computer Science, an MA from the University of Dublin (Trinity College) and a Masters in Industrial Engineering from UCD, Michael brings a wealth of experience, skills and knowledge to TransferMate.

  • Gary Conroy

    Gary Conroy

    Chief Commercial Officer

    As Chief Commercial Officer, Gary is responsible for increasing the company's global business operations. A graduate of Trinity College, Gary has over 20 years' experience across technology and financial services with companies such as Goldman Sachs, Misys Financial Software Systems and Axway.
    Most recently, Gary served as Managing Director of Realex Payments following the company's acquisition by Global Payments in March 2015 for €115m in one of the largest deals in European FinTech. Subsequent to the transaction, Gary led the growth of the platform transaction volume, processing in excess of 1 million transactions per day.

  • Margaret Clancy

    Margaret Clancy

    Commercial Director

    As Commercial Director, Margaret is responsible for providing guidance and support to the global commercial teams and ensures the business growth targets are achieved. Margaret collaborates with directors and other Heads of Department as they work towards the achievement of global expansion. Holding a BA in Business Management & HR, Margaret previously worked as a recruitment consultant with Hays Recruitment where she achieved numerous awards for outstanding performances in sales.
    Margaret has developed a reputation for continuously identifying new opportunities and delivering strong stakeholder value and business growth. Furthermore, Margaret was a finalist in the Irish Early Careers Awards 2016 for Financial Services Professional of the Year.

  • Patricia Quinn

    Patricia Quinn

    Head of Global Compliance

    As Head of Global Compliance, Patricia is responsible for implementing TransferMate's compliance regime and advising the Board of Directors with respect to various global regulatory and legal matters. A former employee of the Central Bank of Ireland, Patricia has over 15 years' experience in governance, risk, financial policies, authorisation and supervision of regulated entities. Patricia was part of the working group involved in drafting and implementing the Consumer Protection Code 2006 and 2012, the regulatory rulebook for all regulated entities in Ireland. A member of the Association of Compliance Officers in Ireland and the Institute of Bankers, Patricia holds a Professional Diploma in Financial Advice and a Professional Diploma in Compliance.

  • Janice Taylor

    Janice Taylor

    Compliance Officer North America

    As Compliance Officer North America Manager, Janice is responsible for overseeing the legal and regulatory code requirements for BSA & AML and securing and maintaining state licenses across the US.
    Janice has over 20 years' experience in regulatory compliance, policy enforcement and risk management. Having previously worked with Citigroup New York and US Bank, Janice was instrumental in building the Risk and Compliance policy library for Citigroup's acquired credit portfolios.
    A graduate of University of Illinois, Janice holds a Bachelor of Science degree and a license in Insurance and Financial Planning.

  • Tom Enright

    Tom Enright

    Compliance Officer Europe and Australasia

    As Compliance Officer Europe and Australasia, Tom ensures ongoing compliance with regulations across Europe and Australasia. Tom has over 11 years' experience in compliance working with the Central Bank of Ireland prior to joining Transfermate in February 2016. While with the Central Bank of Ireland Tom worked in the authorisation, supervision and inspection of authorised entities. A member of Chartered Accountants Ireland, Tom has an extensive technical knowledge of the financial services regulatory and legislative framework.

  • James Deane

    James Deane

    Group Financial Controller

    As Group Financial Controller, James is responsible for the effective day-to-day management of finance and accounting operations of TransferMate. With over 10 years' experience in global financial management, James previously worked for Bank of America Merrill Lynch EMEA and Treasury Holdings Group.
    A member of the Association of Chartered Certified Accountants, James also sits on TransferMate's audit committee.

  • David McGettrick

    David McGettrick

    Head of IT

    As Head of IT, David is responsible for the long term direction of TransferMate's technology including the management of IT, product solutions and API Integration teams.
    A previous Senior Consultant with Ceridian Ireland, David has over 20 years' experience in IT, specialising in the effective delivery of networks, development, and disaster recovery systems and processes.
    Holding a BSc Computers from University of Limerick, David ensures that TransferMate's technology is aligned with the company's strategic growth plan, while ensuring the company's products and technology offerings continue to be innovative.

  • Stuart McMahon

    Stuart McMahon

    Head of Software Development

    As Head of Software Development, Stuart is responsible for managing and co-ordinating the company's software team to deliver projects that support the strategic view of the organization and scale the software systems to match TransferMate's continued business growth. Stuart has over 20 years I.T. experience across software engineering, business systems analysis and project management, including the delivery of large scale project management for Sun Life Financial of Canada. A graduate of University College Dublin and Queens University Belfast, Stuart holds 2 Master of Science Degrees and a Batchelor of Science Degree in Computer Science.

  • Una Downey

    Una Downey

    Head of Global Settlements

    As Head of Global Settlements, Una is responsible for managing the day-to-day treasury activities related to cash flow, FX capabilities, capital management and payment processing. Una has over 20 years' experience in corporate treasury, corporate finance and banking. Within her role, Una ensures optimal execution of internal account funding and repatriation solutions, to optimize corporate cash flow worldwide, while overseeing the global markets trading team to support operational, funding and FX transactions.
    With a thorough knowledge of internal company software applications, Una administers upgrades in treasury processes and procedures to ensure continued delivery of best user experience for TransferMate's clients.

  • Annmarie Carrigan

    Annmarie Carrigan

    Head of Customer Service

    As Head of Customer Service, Annmarie is responsible for continually improving the customer service experience and ensuring TransferMate continues to provide award-winning customer care.
    With over 20 years' experience in financial sector customer service, Annmarie is at the forefront of TransferMate's relationship with our clients.
    In addition, Annmarie regularly works with media outlets, providing expertise on FX market movement and currency volatility.

Our Awards

  • Big Innovation Award 2016 for most innovative payment solutions

  • Ernst and Young Entrepreneur of the year Award

  • Deloitte Best Managed Company Award and the Deloitte Gold Standard Award

  • HSBC European business award

  • Better Business Bureau Complaint Free

  • Best in Financial Services

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