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How the PSR Panel works

Input from industry experts helps inform our work

A panel of payments industry experts

The Payment Systems Regulator (PSR) Panel is established by statute and is independent to the PSR. The Panel's role is to contribute towards the effective development of the PSR's strategy and policy and offer advice and early input on the PSR's work.

The panel is currently made up of 20 members drawn from payments system operators, payments service providers, infrastructure and technology providers and service users including consumer, large and small business representatives. 

The Panel

  • provides feedback on the PSR’s work
  • brings forward relevant issues for discussion
  • identifies areas for research
  • considers how best the PSR can meet its objectives

The views of the Panel are independent of the PSR and the panel is assisted by a secretariat team within the FCA.

PSR Panel recruitment process

Reference documents

PSR Panel terms of reference

Annual Reports

Read the PSR Panel 2018/19 annual report

Read the PSR Panel 2017/18 annual report

Read the PSR Panel 2016/17 annual report

Read the PSR Panel 2015/16 annual report.


PSR Panel members

Stephen Locke is an independent adviser who has held a wide range of non-executive posts. Stephen is currently chair of the Advertising Advisory Committee, responsible for reviewing and advising advertising regulators on the rules for TV and Radio. He is a former Chair of London TravelWatch and Board member of Transport Focus. He has also served on the Boards of the Money Advice Service, the Phonepaid Services Authority and Consumer Focus (where he was Vice Chair) and on the Financial Services Consumer Panel. Stephen has a wealth of experience in payment systems having sat as an independent non-executive board member of the Payments Council between 2007 and 2014. 

Mike Agate is a chartered management accountant and chair of the economics, finance and taxation policy committee of the Federation of Small Businesses. He has his own management accountancy practice based in Buckinghamshire. Prior to starting his own business in 1992 he worked at director level in the publishing and music industries.

Mark Barnett is president of the UK and Ireland division of MasterCard, with overall responsibility for developing and executing the company's strategy in these markets. Prior to his current appointment, he was executive vice-president, consulting services for MasterCard Advisors with responsibility for helping financial institutions, merchants and governments make optimal use of the payments programmes. Prior to joining MasterCard, Mark led KPMG Consulting’s activities in the payments industry in Europe.

David Brooks is Head of Group Finance Operations at Sainsbury’s. In this role he is responsible for all payments to suppliers as well as the reconciliation of all customer payment transactions.  He is involved in the supermarket’s consideration of future payment strategies and emerging technology offerings.  He has a wide experience payments and banking processes in the retail sector. David is passionate about promoting innovation and ensuring that fairness, transparency and consumer interests are a priority for the banking industry

David is currently Director of Transaction Product Management in the Barclays Corporate Bank, where he has been since 2012. He has held a variety of other payments roles for major banks including JP Morgan, leading the JPMorgan programmes for CHAPS and CREST, and the Bank of Tokyo-Mitsubishi. David has a broad range of expertise as a user, and now a provider of, sponsorship services in the Indirect Access space.

John Howells is CEO of LINK, the UK's cash machine network. John’s previous roles include being a member of the UK executive board of Capgemini Consulting, as lead for the Department for Work and Pensions advisory business, and a number of major local government transformations. His early career was with Gemini Consulting’s financial services strategy practice, and Lloyds Bank. John holds an MBA with Distinction from London Business School, an MA in Materials Science from Keble College, Oxford University and is an Associate of the Chartered Institute of Bankers.

Conor is a payments expert and currently Country Manager at Visa Europe who he has worked for since 2003. He has a wealth of experience working with issuers, acquirers, processors, schemes, networks and vendors throughout Ireland, UK, Europe and America. Prior to joining Visa Europe Conor worked as a consultant in Ireland on payments issues.

Pamela Meadows is a representative of consumer rights and a member of the financial services consumer panel. She is interested in the impact of payment systems on end-users – receiving salaries, pensions and benefits, paying bills, making major purchases, taking holidays and shopping. Outside the panel Pamela does research and consultancy related to the labour market (including pensions) and the economics of social disadvantage (including financial exclusion) and value for money studies. 

Paul Rogers is chair and founder of Vendorcom, The Cards & Payments Community. Paul is passionate about cards and payments, particularly promoting innovation, ensuring that thought leadership is recognised and that all stakeholders in the industry have access to authoritative information on new developments, standards and regulation. Paul is recognised for his independence, authority and pragmatism in dealing with the wide range of issues facing the retail and payments industries and a regular contributor to industry journals and national press.

Sian Williams is head of national services at Toynbee Hall. She joined in 2009 as head of financial inclusion, prior to which she served 15 years as a diplomat with the Foreign & Commonwealth Office. She also serves as a trustee for the Money Advice Trust, including on the audit and risk committee, and sits on a wide range of advisory panels concerned with financial inclusion and well-being. 

Flora is Head of Financial Services at the CBI. She has responsibility for leading the CBI’s lobbying on issues related to Financial Services and for the CBI’s overall relationship management with the key UK and global players in the financial services sector covering: asset managers; general insurance; life insurance; retail, corporate & investment banks; market service providers; and ratings agencies.

Prior to joining the CBI in 2014, Flora has worked for the ATM Industry Association and Public Relations Consultants Association.

Flora has degrees in Business from the University of Limerick and in German from the University of London. 


Ahmed heads the legal function at GoCardless, an online provider of bank to bank payment solutions that aims to make accepting recurring payments as simple as possible. Prior to joining GoCardless, Ahmed was most recently an attorney at Microsoft, and before that practiced infrastructure finance at Allen & Overy. Before becoming a lawyer, Ahmed worked in business roles at a number of startups. He's a tech addict and is passionate about leveraging new technologies in both his work and personal life. He is chair of The Disruptive General Counsel Network’s executive committee and advocates ease of access to, and automation and simplification of the legal profession. 

As Divisional CEO, Andrea’s portfolio includes strategic leadership and P&L management of Paysafe’s Merchant Acquiring, Payment Processing and Card Solutions divisions for Europe.  Since joining, she has created Paysafe’s Acquiring Business as a new operation in Europe and scaled up the Card Issuing business to become one of the top white-label prepaid providers in Europe.  With over 17 years’ experience in the financial sector, Andrea has in-depth knowledge across many aspects of payments; from Acquiring and Issuing, to Mobile solutions. Andrea is also deputy Chairman Emerging Payments Association (EPA) Advisory Board which is an leading industry body representing all aspects of the payments value chain.

Prior to joining Paysafe, Andrea ran her own consultancy and led successful programmes for organisations such as Barclaycard, CapitalOne, Experian and Royal Bank of Scotland. Andrea also has extensive experience in delivering complex programmes for large high-transactional e-commerce and payments companies such as MasterCard and Visa, where she was responsible for the successful delivery of Visa Europe’s Olympic NFC Mobile Programme and Mobile Gateway solution. Before becoming a consultant, Andrea served in the Royal Air Force, serving over 10 years in Telecommunications engineering. 

Paul has spent the last five years at ACI Worldwide providing leadership first in EMEA Sales and more recently developing and running Corporate Relations & Development to expand ACI’s footprint within the payments ecosystem. He is also instrumental in delivering input into the development of new ACI propositions for the global payments marketplace and working with the industry to develop new initiatives. ACI has been at the forefront of the payments industry for more than 40 years and has a strong track record of working with governments, regulators and industry bodies around the world.

Prior to ACI, Paul served in executive roles at Stratus Technology, IBM, Destiny USA, Microsoft and Catalyst Technologies. Paul is member of the executive board of nexo, the international association that develops and promotes open messaging standards (ISO20022) for card payments. He is also a member of the executive committee of the European Credit Research Institute (ECRI) of the Centre for European Policy Studies (CEPS) which is a Brussels based think tank and forum that debates EU affairs covering all European financial policy areas.

Andrew has worked in the European cards and payments industry for over a decade in product and technical roles at FIS, Vocalink and TSYS. He is currently the Director of Payment and Data Solutions at FIS where he is the business lead for the ‘Payments as a Service’ solution which provides access to Bacs, CHAPS, Faster Payments and SCT Inst. In 2016, he was instrumental in FIS becoming one of the first accredited technical aggregators for the Faster Payments scheme. His remit includes industry engagement, sitting on the Faster Payments Development Committee, speaking at industry events on Payments/GDPR and delivering the response to consultations from industry bodies such as the PSR.  At VocaLink, Andrew was one of the original team at Zapp/Pay by Bank app, the UK mobile payment scheme based on ‘Request to Pay’ invoking a Faster Payment. 

Jana Mackintosh is head of a new global Public Policy and Regulatory Affairs function at WorldPay. She is a competition economist with broad regulatory and policy experience in financial services having previously worked with a number of commercial organisations, regulators and competition authorities. Through her previous position at the PSR she helped shape the development of payments regulation in the UK from the early stages into its current form. At Worldpay she is responsible for designing and delivering a high-level strategic policy programme and provides strategic insight and advice to the Executive Team and Board. She represents WorldPay on a number of industry Boards, including the Bank of England’s RTGS Advisory Board, and manages their relationship with senior-level political and public policy stakeholders in UK, Europe and globally.  

Mark is a fellow of the Chartered Institute of Management Accountants. Operating across commercial finance, strategic change and business transformation he has 20+ years’ experience in the Payments business. His time client side was spent with Marks & Spencer Money as a key member of the team that successfully launched the largest ever retail card conversion in Europe and at Capital One Bank where he helped to shape and develop the financial planning function for the UK entry.

A seasoned speaker at conferences and events, he has also delivered many training workshops across Europe for the major payment networks.  His consulting assignments cover multi-payment products with a broad spectrum of retailers, issuers, acquirers and payment schemes across the globe. His recent focus has been helping clients with their strategies and approach to navigate the impact, opportunities and threats to their business from PSD2 together with the development of a two-year comprehensive benchmark study of UK mobile banking and finance apps.

Matthew joined NPSO as COO in April 2018.  Previously, Matthew worked at the Bank of England since 2006, covering a variety of operational and payments leadership roles, Matthew was most recently COO for the Monetary Policy area. In addition during his time at the Bank, Matthew was Head of Customer Banking Division with responsibility for banking, securities and gold custody services provided to the UK Government and other central banks. Matthew has also performed senior management roles, running the RTGS payment system and banknote distribution. Prior to working at the Bank, Matthew was a business manager for UBS Investment Bank and a consultant with Accenture.

Jo is Head of Government Banking and the Assistant Paymaster General with responsibility for leading a commercially viable cross-government shared service which delivers the operational and strategic banking and payment needs of approx. 800 central government departments.  Working with HM Treasury she ensures the smooth flow of annual transactions totalling approx. £2trillion.

Jo chairs the pan government senior officials group designed to bring key decision makers together to ensure a co-ordinated approach to payment industry change and innovation. She is also the government representative on the Pay.UK End User Council and CHAPS Strategic Advisory Forum. Prior to her role in payments Jo worked extensively in the change arena, focussing specifically on commercial, digital and IT change projects. A big champion of talent management, Jo is very active in cross-government mentoring.