How Psr Panel Works

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 made up of 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

There are no vacancies on the PSR Panel at this time.

Reference documents

PSR Panel terms of reference

Annual Reports

Read the PSR Panel 2019/20 annual report

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

Ruth has wide ranging experience in payments, banking, market infrastructure and investment in the UK, Europe and internationally. She has gained considerable experience as board member of new and established organisations (Digital Identity Net, LSEG, Permanent TSB) as well as chair of working groups and multi-stakeholder forums (European Payments Council, European Banking Federation etc). She has had considerable engagement in regulation and policy as an executive leader and more recently as an advisor. Ruth was previously a member of the Bank of England’s RTGS Renewal Stakeholder Advisory Group and of the Payment Strategy Forum (2015 – 2016).  Ruth has a strong interest and knowledge of fintech and regtech. She is a Partner in a venture capital fund (Gauss) that invests in start-ups globally. She has acquired various accolades including the Women in Fintech Powerlist, Fintech Power 50 and previously Sunday Times’ 35 Women Under 35.

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.

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.

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. 

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. 


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. 

Jeff has worked within the retail sector for over 25 years, and he is passionate about SME’s and their role in the community and the UK Economy in general. Sitting previously on Boards of European, Far East and well as UK Business he brings vast experience of the retail sector and the challenges it currently faces. He is the Commercial Director of Bira – the British Independent Retail Association and Managing Director of its Procurement Company. He Chairs the BRC Payments Advisory Group and plays an active role championing the SME sector in the retail payments arena to promote awareness and adoption of the new payments landscape. 


Recognised as the 2019 Emerging Payments Awards’ Contributor of the Year and a senior leader under the Innovate Finance Women in Playtech Power list, Anne champions diversity. She is a judge for the Emerging Payments Association (EPA) and European Women’s Payment Network (EWPN) Awards, and an advocate for HM Treasury’s Women in Finance Charter. Anne canvasses contributions from the broadest audience possible to drive positive change in financial services. 

She is a founding director and driver of The Inclusion Foundation (TIF), a not-for-profit company seeking to help under-served customers get the best from their finances through the use of the most effective payment products and services. She is also a Trustee of the Money Charity, the financial capability charity, which provides education, information, advice and guidance to people of all ages throughout the UK.

Anne has a strong track record of achievement as a Director and senior leader with Pay.UK (formerly Bacs) and across the wider EPA community as an Advisory Board member. Her role at the center of national payments has given her a unique perspective on the challenges faced by the ecosystem in responding to fast changing consumer needs.  Anne constantly challenges the traditional payments model across a range of services and supports stakeholders to achieve step change in their business.

At Bacs Anne led strategy and steered product development of the UK’s retail payment products and services including Direct Debit, Bacs Direct Credit, Current Account Switch Service and Cash ISA account switching services. Anne’s entrepreneurship and influence shaped the future of these highly successful initiatives which have been adopted by the financial services industry, consumers and businesses globally. 

Robin Abrams is Chair of Banking & Finance Policy at the Federation of Small Businesses (FSB), which represents over 170,000 UK SME members. The FSB is the UK`s largest grassroots campaigning group promoting and protecting the interests of small business owners and the self-employed.

Robin is also Director of Trade Finance Global (TFG), the leading fintech platform for the trade and receivables finance industry. TFG focuses on cross-border trade, correspondent banking, and payments. He also sits on the Trade & Investment Taskforce for the B20, contributing to policy development for the G20. 

Prior to this, Robin worked in quants and equity research at Citigroup and Berenberg. He has a Master's degree in Chemical & Energy Engineering from the University of Birmingham.

Natasha was previously Head of Corporate Affairs at SWIFT, the global provider of secure financial messaging services, leading SWIFT’s global communications, government affairs, public policy and regulatory functions from 2012-2019. She joined Swift from LCH.Clearnet, the UK-based clearing house, where she served as Head of Public Affairs.

Natasha previously worked as a journalist for 10 years, specialising in financial regulation, market structures and complex financial instruments. Prior to that she worked in the Derivatives, Repo, Government Bond and Swap markets in Madrid and London.

Natasha is a former Board Member of the Information Technology Industry Council and member of the European Commission’s Payment Systems Markets Expert Group. She also served two terms on the European Securities and Markets Authority’s (ESMA) Post Trade Standing Committee.

Natasha has also been a member of the Financial Services Consumer Panel since June 2020.