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Transformation Director
Karl A L Smith works at the intersection of human-centred design, organisational transformation, AI, and adaptive leadership. His career has evolved through design, usability, accessibility, strategic problem-solving, Agile transformation, AI-assisted decision-making, and organisational design, all connected by a consistent focus on how technology can augment human capability while preserving human autonomy. Beginning in product design, education, and usability, Karl developed a strong foundation in understanding how people interact with systems and how technology can reduce friction, improve learning, and enable better human experiences. Over time, this expanded into organisational transformation and Agile, where the focus shifted from individual interaction to how teams and enterprises adapt, coordinate, and respond effectively in rapidly changing environments. This evolution led to the development of Decision Point AI, introducing probabilistic thinking and AI-assisted decision-making to help organisations navigate complexity and uncertainty. Building on this, the Customer Agility Framework explored how enterprises can operate as adaptive systems, integrating customer insight, operational telemetry, governance, and AI-supported intelligence into continuous learning and decision-making. Today, Karl’s work focuses on AI Organisational Design and probabilistic leadership helping organisations redesign structures, governance, and ways of working for effective human-AI collaboration. Alongside this, projects such as All me reflect an ongoing commitment to privacy, digital autonomy, and ethical technology design. Across every stage of his work, the consistent theme has been exploring how technology, AI, and organisational systems can enhance human capability, improve decision-making, and support more adaptive, resilient, and human-centred organisations.
Edinburgh Napier University
Master’s Degree, Interactive Technologies for E-Commerce
January 1, 2004 – January 1, 2006
USAF War College
Diploma, Strategy and War
February 1, 1991 – November 1, 1991
Middlesex University
PGCE, Design and Technology
January 1, 1988 – January 1, 1989
Middlesex University
Bachelor’s Degree, Industrial and Product Design
January 1, 1985 – January 1, 1988
Ravensbourne University London
Foundation Course, Three Dimensional Design
January 1, 1984 – January 1, 1985
Edinburgh Napier University
Master of Science, Interactive Technologies (AI, HCI, Data Systems)
N/A – Present
Middlesex University
Bachelor of Arts, Design and Visual Communications, General
N/A – Present
Middlesex University
Postgraduate Certificate in Education, CAD/CADD Drafting and/or Design Technology/Technician
N/A – Present
All me
Chief Executive Officer
June 1, 2026 – Present
Digital Growth Collective
Technology Fellow
November 1, 2025 – Present
Me Social
Director of Business Development
October 1, 2025 – Present
Edinburgh · On-site
All me
Chief Technology Officer
March 1, 2025 – June 1, 2026
Omega Foundation CH
Member Board of Trustees
January 1, 2025 – Present
Geneva, Switzerland · Remote
Agile World ® Consulting
Managing Partner
January 1, 2025 – March 1, 2026
Remote
All me
Zero-Knowledge Architect
July 1, 2024 – June 1, 2026
All me
Chief Product Officer
July 1, 2024 – March 1, 2025
Admiral Group Plc
Business and Technology Organisational Design and Lean Portfolio Management Transformation Director
October 1, 2023 – February 1, 2024
Cardiff · Remote
All me
Founder
July 1, 2023 – July 1, 2024
AI Organizational Design
Transformation Director
September 1, 2021 – Present
Edinburgh · Remote
Direct Agile Ltd
Chief Product Officer
September 1, 2021 – April 1, 2026
Edinburgh, Scotland, United Kingdom · Hybrid
Agile World ® Consulting
Partner
September 1, 2021 – January 1, 2025
Remote
HSBC
CTO Transformation Product Owner, Strategy and Delivery
January 1, 2021 – November 1, 2022
Canary Wharf, London · Remote
The Scottish Government
Customer and Colleague Service Designer for new Benefits and Business Process Engineer
January 1, 2020 – April 1, 2020
Edinburgh, Scotland, United Kingdom · On-site
Decision Point AI ®
Non Executive Director
January 1, 2019 – January 1, 2025
Edinburgh, Scotland, United Kingdom · Hybrid
NatWest Group
Head of Environment & Deployment Patterns (shared services) Centre of Excellence
October 1, 2017 – May 1, 2019
NatWest Group
Transformation Product Owner, Strategy and Delivery
September 1, 2017 – June 1, 2019
NatWest Group
Business Agility and Technology Agility Delivery Lead, Product Owner Centres of Excellence Patterns
May 1, 2017 – May 1, 2019
The University of Edinburgh
Digital Transformation Consultant
January 1, 2017 – May 1, 2017
Edinburgh, Scotland, United Kingdom · On-site
Avaloq
Executive Vice President. Global Head of Design
October 1, 2015 – March 1, 2016
Zurich, Switzerland · On-site
Karl Smith
Interim Consultant & Transformation Director
April 1, 2015 – March 1, 2026
European Union · Hybrid
Wipro Digital
Co-Founder Wipro Digital and Global Head of Design
January 1, 2014 – April 1, 2015
Greater London · Hybrid
Wipro
Managing Director Global Head of User Experience
December 1, 2013 – February 1, 2014
Bengaluru, Karnataka, India · Remote
Accenture Strategy & Consulting
Head of Customer Experience
January 1, 2013 – November 1, 2013
Hong Kong, Hong Kong SAR · Hybrid
Accenture
Global Head Mobility User Experience (VP)
December 1, 2012 – December 1, 2013
Fjord, Part of Accenture Song
Head of Design
December 1, 2012 – December 1, 2013
London, England, United Kingdom · On-site
Tesco Bank
Digital Transformation Manager
November 1, 2011 – March 1, 2012
Glasgow, Scotland, United Kingdom · Hybrid
Pearson
Digital Transformation Officer
October 1, 2011 – November 1, 2011
Oxford, England, United Kingdom · On-site
NatWest Markets Plc
Head of User Experience Finance and Risk Management
February 1, 2011 – October 1, 2011
London Area, United Kingdom · Hybrid
Accenture
Head of User Experience
January 1, 2011 – January 1, 2013
Deutsche Bank
Digital Transformation Architect IAM and Self Service
August 1, 2010 – January 1, 2011
London Area, United Kingdom · On-site
Oxfam
Ecommerce Transformation Program Manager
March 1, 2010 – July 1, 2010
Oxford, England, United Kingdom · On-site
Zoopla (part of Houseful)
Senior Agile Coach
October 1, 2009 – March 1, 2010
London Area, United Kingdom · On-site
Oxford University Press
Digital Transformation Officer
May 1, 2009 – September 1, 2009
Oxford, England, United Kingdom · On-site
Royal Mail
Senior User Experience Consultant
March 1, 2009 – June 1, 2009
London Area, United Kingdom · Hybrid
Web Technology Group (WTG)
Senior User Experience Architect
September 1, 2008 – March 1, 2009
London Area, United Kingdom · On-site
Engine Group
Senior User Experience Architect
December 1, 2007 – February 1, 2008
London Area, United Kingdom · On-site
Mook
Senior User Experience Architect
October 1, 2007 – November 1, 2007
London Area, United Kingdom · On-site
Experian
New Product Development Specialist
July 1, 2007 – October 1, 2007
London Area, United Kingdom · On-site
Touch Local
Head of Product Management
January 1, 2007 – June 1, 2007
London Area, United Kingdom · On-site
Agile World ® Consulting
Transformation Director
June 1, 2006 – September 1, 2021
Remote
Agile World Applications
Director Business Consulting (EVP, Partner) EMER, APAC, EMEA
September 1, 2001 – January 1, 2013
UbiNet AI
Founder
June 1, 2001 – August 1, 2015
St. Petersburg, Florida, United States · Remote
Agile World Applications
Principal Consultant (SVP) EMER, APAC, EMEA
May 1, 1998 – September 1, 2001
Agile World Applications
Senior Solutions Architect (VP)
September 1, 1994 – May 1, 1998
Agile World Applications
Senior Design Engineer
October 1, 1989 – September 1, 1994
Top 25 Overall Thought Leader
Thinkers360
June 23, 2026 – Present
Determined to Lead - Corporate Executive Management in Banking
NatWest
June 23, 2026 – Present
Basic Disclosure
Disclosure Scotland
June 23, 2026 – Present
Scaled Agile - Leading SAFe® 5 Agilist
SAFe by Scaled Agile, Inc.
June 23, 2026 – Present
Workday HCM (Human Capital Management)
Udemy
June 23, 2026 – Present
Service Management ITIL 4
Udemy
June 23, 2026 – Present
World Agility Forum
eXperience Agile Week
June 23, 2026 – Present
Top 10 Overall Thought Leader and Influencer
Thinkers360
June 23, 2026 – Present
Top 10 Agile Thought Leader and Influencer
Thinkers360
June 23, 2026 – Present
Top 25 Overall Thought Leader and Influencer
Thinkers360
June 23, 2026 – Present
Member
The iA Institute
June 23, 2026 – Present
Top 25 Thought Leader - 5G
Thinkers360
June 23, 2026 – Present
Top 10 Thought Leader - Agile
Thinkers360
June 23, 2026 – Present
Top 50 Thought Leader - AR/VR
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Autonomous Vehicles
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Big Data
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Blockchain
Thinkers360
June 23, 2026 – Present
Top 50 Thought Leader - Business Continuity
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Business Strategy
Thinkers360
June 23, 2026 – Present
Top 10 Thought Leader - Change Management
Thinkers360
June 23, 2026 – Present
Member
ACM, Association for Computing Machinery
June 23, 2026 – Present
Fellow of the British Computer Society (FBCS)
BCS, The Chartered Institute for IT
June 23, 2026 – Present
Certified ScrumMaster (CSM)
Agile Alliance
June 23, 2026 – Present
BlueMix
IBM
June 23, 2026 – Present
Banking Diploma
The Chartered Banker Institute
June 23, 2026 – Present
Member
European CIO Association
June 23, 2026 – Present
Member
Service Design Network
June 23, 2026 – Present
Professional Member
Web Analytics Association WAA
June 23, 2026 – Present
Watson
IBM
June 23, 2026 – Present
Member
BCS, The Chartered Institute for IT
June 23, 2026 – Present
Top 10 Thought Leader - CRM
Thinkers360
June 23, 2026 – Present
Member
BCS Impact
June 23, 2026 – Present
Full Member
ACM SIGCHI
June 23, 2026 – Present
Baseline Personnel Security Standard (BPSS)
The Scottish Government
June 23, 2026 – Present
Member
Institute of Directors (IoD)
June 23, 2026 – Present
Member
IEEE
June 23, 2026 – Present
Qualified Teachers Status (QTS)
National College for Teaching & Leadership
June 23, 2026 – Present
Voluntary Youth Leadership Training
London Borough of Bromley
June 23, 2026 – Present
Advanced Driving Certification
IAM RoadSmart
June 23, 2026 – Present
Member
UXPA International
June 23, 2026 – Present
European Union Passport
Embassy of Republic of Ireland
June 23, 2026 – Present
Top 50 Thought Leader - Mergers and Acquisitions
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Mobility
Thinkers360
June 23, 2026 – Present
Top 10 Thought Leader - Predictive Analytics
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Proptech
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Public Relations
Thinkers360
June 23, 2026 – Present
Top 50 Thought Leader - Retail
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Social Media
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Startups
Thinkers360
June 23, 2026 – Present
Fellow of Royal Society of Arts (FRSA)
The Royal Society of Arts
June 23, 2026 – Present
Top 50 Thought Leader - Mental Health
Thinkers360
June 23, 2026 – Present
United Kingdom Passport
United Kingdom Passport Office
June 23, 2026 – Present
Sensitive Compartmented Information (SCI)
NATO
June 23, 2026 – Present
Annapolis War College
U.S. Naval War College
June 23, 2026 – Present
Ferranti CAD CAM
Ferranti Computer Systems
June 23, 2026 – Present
Associated Professional Member (APM)
IEEE
June 23, 2026 – Present
Autodesk AutoCAD User Certification
AutoCad Autodesk
June 23, 2026 – Present
Level 1 disclosure
Disclosure Scotland
June 23, 2026 – Present
Member
Information Architecture Institute (IAI)
June 23, 2026 – Present
Scrum Master Certified (SMC)
Scrum Alliance
June 23, 2026 – Present
Top 50 Thought Leader - Emerging Technology
Thinkers360
June 23, 2026 – Present
Top 50 Thought Leader - Cryptocurrency
Thinkers360
June 23, 2026 – Present
Top 50 Thought Leader - Culture
Thinkers360
June 23, 2026 – Present
Top 10 Thought Leader - Customer Experience
Thinkers360
June 23, 2026 – Present
Top 10 Thought Leader - Customer Loyalty
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Design Thinking
Thinkers360
June 23, 2026 – Present
Top 50 Thought Leader - DevOps
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Digital Disruption
Thinkers360
June 23, 2026 – Present
Top 10 Thought Leader - Digital Transformation
Thinkers360
June 23, 2026 – Present
Top 10 Thought Leader - Edtech
Thinkers360
June 23, 2026 – Present
New York City Marathon
New York Road Runners (NYRR)
June 23, 2026 – Present
Top 50 Thought Leader - Fintech
Thinkers360
June 23, 2026 – Present
Top 10 Thought Leader - Future of Work
Thinkers360
June 23, 2026 – Present
Top 10 Thought Leader - Govtech
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Health and Wellness
Thinkers360
June 23, 2026 – Present
Top 50 Thought Leader - Medtech
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - IoT
Thinkers360
June 23, 2026 – Present
Top 50 Thought Leader - Leadership
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Lean Startup
Thinkers360
June 23, 2026 – Present
Top 25 Thought Leader - Legal and IP
Thinkers360
June 23, 2026 – Present
Cultural Fit Analysis
The candidate's career trajectory shows a strong inclination towards leadership, innovation, and driving significant organizational change. Their involvement in founding 'All me' with a privacy-by-default ethos and their advisory roles in AI strategy suggest a proactive, ethical, and forward-thinking mindset. The diverse range of industries and types of organizations (startups, large corporations, government, non-profits) they have worked with indicates adaptability and a broad understanding of different organizational cultures. However, the target role is 'Software Engineer', which is a significant mismatch with their executive, strategic, and consulting background. While they have technical understanding, their recent roles are not hands-on software engineering, which could lead to a cultural misalignment with a pure engineering team.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership, strategic thinking, and communication skills through their extensive experience in executive and consulting roles. Their focus on human-centered design, ethical AI, and privacy-by-default platforms suggests a strong alignment with values-driven organizations. The breadth of their experience in managing complex transformations and building new capabilities indicates a high degree of operational acumen and adaptability. However, the provided data does not include psychometric test results, so a direct assessment of logical reasoning, stress handling, and team collaboration is not possible.