Erik Howell

Partner
Erik Howell, Partner, has 24 years of experience in payments and fintech as both an operating executive and as a trusted advisor. A subject matter expert in payments issuing, embedded finance, and banking, Erik has advised 20+ embedded finance providers and PSPs, 50+ retailers, 100+ issuers, and a number of financial investors globally on growth strategy, geographic and product expansion, go-to-market, operating model and partner selection, implementation, and mergers and acquisitions. Erik drives unique value for Flagship’s clients by combining cross-functional subject matter expertise, strategy, and hands-on implementation to produce practical, actionable recommendations.
Areas of Expertise
Prior Experience

Prior to co-founding Flagship, Erik was Head of Transactional Banking and Small Business at Moneta Money Bank, a publicly traded bank based in Prague, where he held P&L responsibility for deposits, cards, and payments across the bank, as well as credit cards and SMB lending. While at Moneta, Erik developed and implemented GTM strategy for consumer and B2B payments and banking, including launching new products, launching new digital onboarding channels, significantly growing the bank’s retail deposit base, optimizing the credit card business, launching a merchant acquiring alliance, negotiating and implementing vendor partnerships, migrating the bank’s card processing platform, and growing the bank’s small business segment. Additionally, Erik led several full-stack tech development Teams to support his business lines.

Prior to Moneta, Erik was a Principal at First Annapolis Consulting and Accenture for 16 years, where he was a trusted advisor to over 100 payments and fintech clients across EMEA and North America. 

Education
  • MBA with distinction, University of Maryland Robert H. Smith School of Business
  • BA with special honors, International Affairs, The George Washington University
Lesser-Known Facts

Erik is an enthusiastic (albeit untalented) amateur high-performance driver, metal guitarist, music producer, long-distance runner, and mixed martial artist. Although most of the time, Erik’s hobby ambition level far exceeds his actual energy level, so he ends up on the couch playing Fallout on his Xbox
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