How the PSR Panel works
Input from industry experts helps inform our work
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.
- 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.
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.
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.
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.
Andrea Dunlop is an international Executive, angel investor and non-executive Director. She was formerly CEO of Merchant Acquiring, a UK/ EU regulated business she established in 2013 for the Paysafe Group. With in-depth knowledge across many aspects of payments; Andrea is highly-regarded in the payments industry; she has been named one of ‘Most Influential Women in Payments in 2018’, Banking Technology’s ‘Woman in PayTech’ in 2018, ‘Payments Pioneer’ by the UK Payment Awards in 2017, voted in Payments Power 10, a list of the top ten influential contributors to the payments industry in 2016, 2017, and 2018.
Andrea is the Chairwoman of the Emerging Payments Association’s Advisory Board; Board member of the European Women in Payments Network; Board for the Women in Payments Network (global). She also sits on several industry forums. She is a passionate speaker and supporter of diversity and inclusion, as well as financial inclusion, championing and challenging the industry to deliver better financial products for the benefit of all.
Prior to joining Paysafe, Andrea ran her own consultancy in the financial services and payments sectors. Previous to that Andrea served 13 years in the Royal Air Force.
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 is the Director of Government Affairs and Public Policy at FIS (including Worldpay from FIS), where she is responsible for delivering a global strategic policy programme. She joined Worldpay in 2017 after working with the UK regulators for several years. She is an experience executive with a particular focus on competition and regulatory policy, having worked across public and private sectors around the world. She serves on a number of advisory and industry boards and manage FIS’s key regulatory and policy stakeholders in the UK, Europe and internationally. Over the last few years, Jana focused on shaping the development of payments regulation in the UK and Europe and continue to lead discussions on strategic and regulatory policy initiatives that shape the digital, trade and fintech agendas.
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.