As CEO of Fnality UK, Angus is currently overseeing the scaling £ Fnality Payment System operations to ensure system resilience and functionality in a live environment, which will pave the way for establishing Fnality Payment Systems in other core currencies and expanding the payment system's functionalities. Angus started his journey at Fnality as Senior Commercial and Regulatory advisor. Prior to joining Fnality, Angus spent 25 years in regulatory and financial markets within both corporate and investment bank businesses. This includes global transaction banking and markets covering derivatives, securities, FX, collateral management, cash management, trade finance, and market infrastructure. His strengths are his proven track record of regulatory advocacy, his ability to build and maintain strong stakeholder and client relationships at all levels and programme management delivery across products.

Bachir is based in Switzerland and holds an engineering degree in Computer Science from Polytech Nice (France).

He comes with over two decades of experience in mission critical telecommunication and cybersecurity sectors.

In his career path, he acted as software engineer, trainer, pre-sales specialist and public speaker.

For the past seven years at Fortinet, he serves as Principal Consulting Systems Engineer, evangelizing company solutions in EMEA and APAC regions.

Ben has operated at the intersection between products and customer/market solutions in the payments industry throughout his career with a strong focus on business value and associated localisation of products to meet customer needs. Having spent a large part of his career within the card payments business globally, supporting both traditional banks and new entrants offering digital wallet services he has more recently worked for Mastercard in A2A across pre- and post-sales to design and deliver modern infrastructure platforms supporting the ongoing transformation of payments in the digital first era.

Caroline is a seasoned professional with over 20 years of experience in delivering innovative solutions to large clients across diverse industries on a global scale. Her extensive background working with accounting firms and global banks has equipped her with a deep understanding of the challenges faced by organisations & prides herself on the trusted relationships built with clients.

In her current role as Commercial Director at Thomson Reuters Confirmation, Caroline leads the European team with a focus on enhancing the audit process for both audit firms and banks. Her strategic leadership is dedicated to driving efficiency and mitigating risk, ensuring clients can navigate their financial landscapes with confidence and security.

Caroline is also an experienced speaker, sharing her insights at industry events and facilitating meaningful discussions on best practices and collaboration within the sector.

Daryl leads KPMG’s ESG Tech & Data community, specialising in ESG non-financial reporting and sustainable IT. In that role, Daryl has leveraged KPMG’s global member firms and specialist suppliers to develop an industry-leading, sustainable IT proposition and framework. In addition to helping clients make their IT more sustainable, Daryl has worked with KPMG UK's own IT department to benchmark our digital carbon emissions and create a Digital Carbon Reduction Plan to substantially reduce our ICT emissions in line with our Net Zero commitments. 

Dave Jones is a consumer payments and money management leader, passionate about driving consumer engagement and championing innovative financial solutions. With over 14 years in the finance and payments space, Dave has had roles across multiple payment types and driven creative strategy to help businesses unlock top-of-wallet engagement. Dave joined PayPal in March 2025, having previously been Head of Cards at Barclays.

David currently holds a dual role at the PSR and FCA. Since June 2024, David has been Interim Managing Director at the PSR, leading the PSR with the rest of the PSR’s Executive and Board. Since November 2024, David has also been the Interim Executive Director of Payments and Digital Finance at the FCA. In this role, heco-leads the FCA’s Supervision, Policy and Competition (SPC) division, with a focus on payments and cryptoassets. These FCA and PSR roles have been joined up into a single role to foster greater alignment between the two regulators as we deliver the National Payments Vision, ahead of legislation on the future of the PSR.

Prior to this role, David was Director of Retail Banking at the FCA and a non-executive member of the PSR Board. He has worked in regulation at the FCA (and its predecessor the FSA) for more than 20 years, spanning several different roles in both Policy and Supervision. During his time at the FCA, he has been involved in leading and delivering large-scale initiatives such as the Retail Distribution Review, the development of the Senior Managers and Certification regime, and implementation of PSD2.   

Before joining the regulator, David worked in the financial services industry gaining experience in banking, financial advice, and mortgages. 

Dr Elisabeth Carter is a criminologist and forensic linguist who conducts interdisciplinary research at the intersection of language and the law. She examines how interactional, ethical and social drivers are manipulated by fraudsters, and the intricate balancing act between power and persuasion, credibility and vulnerability. She is best known for her work in examining fraudulent interactions, across all fraud types, particularly romance fraud. Elisabeth regularly features in national TV, radio series’ and print media, talking about fraud and deception, is the current winner of the Tackling Economic Crime Award for Outstanding Tackling Economic Crime Professional, TECAs Finalist for Outstanding Prevention Initiative with Thames Valley Police, and finalist in the category of Fraud Leadership in the Public Sector Counter Fraud Awards 2023, to be announced shortly.

She uses her research to support law enforcement campaigns and drive police operations, and to deliver practical strategies to disrupt the power of fraudulent communications and pervasive narratives of victimhood through work across the public, private and third sector. Her latest published research (https://doi.org/10.1093/bjc/azac098) highlights the challenges of protect communications and seeks to make the changes needed across the fraud landscape to make efforts to protect the public from fraud more effective, and reduce the shame associated with victimhood

Francisco Mainez is the former Global Head of Data and Analytics for Wealth and Personal Banking Financial Crime Risk at HSBC. Francisco is now part of the Professional Services team at Nice Actimize, where he is using his experience in Financial Crime and Intelligence to integrate different capabilities into solutions that can improve prevention, detection and investigation of Financial Crimes.

Throughout his career, Francisco has specialised in activities related to data extraction, analysis and insight reporting, covering Money Laundering, Financial Crime Typologies, Operations, Customer Due Diligence and Tax Evasion, among other areas. His team was also involved in rolling out initiatives related to Advanced Analytics solutions for Financial Crime.

While in HSBC, Francisco worked in other Financial Crime Teams, such as the Financial Intelligence Unit and Compliance Reporting. Prior to HSBC, Francisco fulfilled roles in Standard Chartered Bank in London and Singapore after completing several tours of operations in Military Intelligence for NATO and the European Union in different geographical locations.

Gary uses his experience in the industry to develop the strategic focus of BNP Paribas with regards to the banks and brokers segment across our global business and to help our clients review their own strategy in the frame of the ongoing change that is being seen in terms of operating models, business priorities, technology and market footprint. Alongside this, he leads the Financial Intermediaries Client Line in the UK, ensuring services like custody, clearing, debt solutions and cash offerings for clients booked in the UK are fit for purpose and help our clients reach their objectives.
 
Having worked in a number of roles across our organisation, Gary recognises the need for continuous review and forward-thinking solutions that help our clients meet their needs but also those of their customers. This has allowed him to become a spokesperson within the industry across a number of topics that will continue to shape our business for the foreseeable future.

Gilbert is focused on transforming financial services, to create an empowered, interconnected world. Gilbert has more than 20 years of cybersecurity experience and C-level accountability as a CISO, CIO and CTO. He has worked in government – for Downing Street, HM Treasury, the Cabinet Office, Ministry of Justice and NSW Health – and has also served in the private sector, at Mastercard, Vocalink, CSC, EY, PwC, BP and HSBC. With a keen interest in disruptive technology, Gilbert established the Blockchain ISO Standard TC307 initiative in 2015 and is the Convenor of the Interoperability working group WG7 for ISO.

Hannah is an experienced civil servant with a track-record of using innovative approaches and new technology to improve public services. Her time in the Cabinet Office’s Government Innovation Group saw her driving new policy-making tools across Whitehall and establishing the world-leading UK Policy Lab. In DSIT she has led on various digital and data projects, bringing together citizen, economic and government needs. Since joining the Digital Identity Team in 2019, Hannah has become obsessed with the possibilities for digital identity for the whole UK economy and is excited to be part of driving it forward. 

As Chief Information Officer at Starling Bank, Harriet leads technology strategy and operations, overseeing data, engineering, information security, and product development. She joined Starling in 2018 as the founding member of the data team to develop the Bank's in-house data science capability, drawing on her background in Actuarial Science and Applied Mathematics. Harriet is also the Co-Chair of the Bank of England’s AI Taskforce and a member of the Bank of England's AI Consortium, advocating for ethical and responsible AI adoption. 

Helena is an experienced executive in the digital transformation and product management space within the payments industry, known for her strategic vision and innovative approach. Her career highlights include significant roles at global institutions like J.P. Morgan Chase and Deutsche Bank AG. As J.P. Morgan's Global Head of Solution Design for payments, she has driven customer-focused digital initiatives, notably in e-commerce and marketplace expansion. Her tenure at Deutsche Bank was marked by the launch of critical digital platforms and regional expansion, reflecting her deep expertise in managing complex technology and business transformations and driving significant business growth.

Helena holds degrees in International Business Management from universities in Germany and the Netherlands, and has obtained various certifications in the payments industry, and completed the Executive Women Global Leaders program at the London School of Economics. Her approach incorporates client-centric design into product strategy and successful delivery of innovative solutions at scale and boosting client satisfaction and fostering loyalty in a competitive field. 

With over 25 years' experience in the financial and technology sector, Jayne has led diverse teams focused on leveraging technology to transform businesses. She has specialised in customer channels, operations, and using data to drive personalisation for customers. Jayne has held roles at several prominent financial institutions in the UK, Australia, and Asia, including Citi, Westpac, ANZ, Barclays and most recently Lloyds Banking Group.

Jayne re-joined Lloyds Banking Group in December 2022, the UK's largest digital bank with over 22 million digital users. As the CEO of Consumer Relationships, she is at the heart of the Group’s growth strategy, focusing on deepening consumer relationships through outstanding customer experiences and personalised engagement.

Jayne has a passion for technology ignited by the possibilities it offers to solve real pain points for customers. Throughout her career, she has spearheaded projects that have challenged traditional thinking and working methods, to make a real impact in her field. Since rejoining Lloyds Banking Group, she has led the transformation of their mobile banking apps, as well as new customer propositions, features and tools to support customers on a range of needs from everyday banking to key life events.

Katarina is a subject matter expert in financial crime prevention. In her role Katarina is responsible for working with strategic customers and partners, industry analysts, press and regulators representing LexisNexis Risk Solutions in the market. She regularly assists on various strategic initiatives across UK and Ireland. She joined LexisNexis Risk Solutions from PwC, where she worked as a Risk & Compliance Manager in the Financial Crime Compliance / Risk Management areas. Katarina is CAMS-certified since 2016 and has more than ten years of experience in corporate risk management and financial crime compliance.

Having worked as KYC analyst, AML supervisor, compliance manager, financial crime prevention consultant and FCC market planner, she has been accountable for all areas of financial crime prevention including customer screening, KYC / CDD, payment screening, risk assessment, policies set up, compliance consulting, AML audits assistance, AML seminars, digital transformation and generally in supporting customers efforts to identify and mitigate financial crime threats in various sectors and jurisdictions. In addition to designing and implementing AML programs and incorporating a broad range of vendor solutions, she also has experience with GDPR, FATCA and CRS. Originally from Croatia, Katarina enjoys engaging with industry practitioners across different markets and territories.

Lesley Chavkin is currently head of global policy for Paxos. Prior to joining Paxos, she worked at the Stellar Development Foundation and JPMorgan Chase, and also served in a variety of roles at the US Department of the Treasury, including as an international economist in the Office of African Nations, as a senior policy advisor focused on the Middle East, and as Treasury’s financial attaché to Qatar and Kuwait from 2017 to 2020. Before joining the Treasury, Chavkin worked as an economic analyst in the US intelligence community. Chavkin holds a master’s degree in development economics and international security from the Fletcher School at Tufts University and a Bachelor of Arts in political science and international affairs from the University of Washington. She is also a nonresident senior fellow with the Atlantic Council’s Economic Statecraft Initiative in the GeoEconomics Center.

Chris is a passionate advocate for the potential of technology and the benefits of diversity and inclusion.

He is a member of the influential House of Lords Select Committee on Science and Technology and has previously co-authored House of Lords Select Committee Reports on: Democracy and Digital Technologies, Artificial Intelligence, Financial Exclusion, Social Mobility, and Digital Skills.

In 2017 he published a report; “Distributed Ledger Technologies for Public Good: leadership, collaboration and innovation” calling on the Government to look at the challenges and opportunities of this technology for improving public services. He was a member of the Special Public Bill Committee for the Electronic Trade Documents Act, which came into force last month (Sept 23) and which Chris has described both as “the most important law you’ve never heard of” and “the blockchain law that doesn’t mention blockchain”.

An ex-Paralympic swimmer, Chris won nine gold, five silvers and one bronze medal across four Games, including a record haul of six golds at Barcelona 1992.

Luke Scanlon is the Head of Fintech Propositions and Legal Director at Pinsent Masons. He has advised some of the world’s leading technology providers and financial institutions on a range of legal and regulatory issues. Recognised by Chambers and Legal 500, Luke regularly provides training sessions and workshops for Financial Services providers. He has spoken at several prominent conferences, including the AI Scottish Summit, and has published extensively in well-known publications such as FT Adviser, The Sunday Times (Scotland), and The Banker magazine.

Morten Bech joined the BIS in mid-2011. Before taking up his current assignment in 2020, he was the head of the secretariat supporting the Committee on Payments and Market Infrastructures with responsibility for coordinating and contributing to the activities of the Committee and its various working groups. He has also served as Secretary to the Markets Committee. He previously worked for the Federal Reserve Bank of New York and the Danish central bank. In 2009, he was a visitor at the Monetary Affairs Division of the Federal Reserve Board in Washington DC. He holds a PhD in economics from the University of California, Santa Barbara. He has written on various issues relating to monetary policy implementation, money markets, the network topology of financial markets, large-value payment systems and systemic risk.

Nick is Chief Executive Officer of Select ID, a new inclusive Reusable ID acceptance network. Select ID allows consumers to choose their preferred Reusable ID provider while making it easy for companies to benefit from digital identity services that meet relevant regulatory requirements such as KYC and AML.

Nick has expert knowledge of Identity and Fraud techniques, solutions, and standards across a wide variety of sectors and jurisdictions. Previously, Nick was Chief Identity Strategist at the Open Identity Exchange, providing thought leadership, guides, presentations and stakeholder influencing to drive forward the definition and adoption of Digital ID and Digital Wallets around the globe. Prior to that, Nick was Director of ID and Fraud at Experian, where led Experian’s development, launch and operation of a full “Identity as a Service” solution which was the first live example of a Digital ID being seamlessly interoperable across public and private sector. 

Nilixa Devlukia is Chair of the Open Finance Association, an industry body representing the demand side of open banking and open finance in the UK and EU. Nilixa holds a Masters in European Competition law, is an experienced policy maker and regulatory expert, and founder and CEO of Payments Solved a regulatory consultancy advising on the regulatory frameworks for open banking and open finance, digital assets and payment services. Nilixa has been at the coalface of open banking from the outset of regulatory conversations from her time at the FCA leading on the PSD2 policy work, supporting HMT, working on all the PSD2  mandates with the EBA and ECB, then as Head of Regulatory at the Open Banking Implementation Entity and now, working extensively with regulators in the UK and overseas. Nilixa sits on the European Commission’s Payment Systems Market Expert Group and Data Advisory Group. Nilixa is a well-known public speaker and works with industry, regulators, and legislators to influence and drive changes in the open banking, and payments ecosystem for a financial services landscape that is secure, transparent, and inclusive.

Peter leads Payments Consulting for KPMG UK and EMA with extensive experience in payments strategy, product innovation, payments operating models as well as deep experience in the delivery of large-scale payments and payment related programs. Peter has deep specialization in Real Time Payments working with PSOs and Central banks around the globe, planning and implementing multiple RTP infrastructures.

Peter Left acts as Head of Prudential Liquidity Management at Lloyds’ ring-fenced bank group and has over 17 years of financial markets experience in front office trading, working on derivatives trades, structuring, money markets and repo sales. Peter now leads the treasury element of Lloyds Banking Group’s work on digital money & assets, exploring robust future funding and business strategies.

Ricardo is the Field Chief Security Officer at Fortinet EMEA, with over 20 years of experience bridging risk management, cloud innovation, and automation. He has transformed digital strategies at EY London, Rackspace, and HSBC, developed an AI-powered cloud compliance accelerator, co-authored Cloud Security Alliance whitepapers, and published "Policy Design in the Age of Digital Adoption." With an MSc in Information Systems, executive education from Oxford, MIT, and Stanford, and certifications from AWS, Google Cloud, and the Linux Foundation, Ricardo is a trusted advisor to CxO stakeholders and a sought-after speaker on cloud security and digital transformation.

Ron van Kemenade joined Lloyds Banking Group in June 2023 as Group Chief Operating Officer. 

Ron has over 30 years of technology experience in the financial services industry and telecommunications. Before joining the Group, Ron spent 20 years at ING working in senior technology roles and most latterly served on the Board, as the bank’s first Chief Technology Officer, where he was responsible for leading the technology and data agenda that helped transform ING into a truly data-driven, digital bank.

Ron is passionate about technology transformation and how we can harness technology and data to unlock our long-term growth strategy and better support our 26 million UK customers.

Ron has relocated from the Netherlands to set-up home in London, with his wife Annette.

Roberto has worked for Commerzbank for over 10 years in front office technology services and currently leads the wholesale cash and markets innovation team within the DLT competency centre. The team covers initiatives spanning wholesale cash, capital markets and treasury solutions, participation in industry initiatives, research, and advisory services. Prior to his current role Roberto worked for over 20 years in a variety of roles including bond and derivatives trading, fixed income asset management, consulting, and investment banking technology transformation.

Richard leads on public policy and advocacy at the Euroclear Group's UK Central Securities Depository, focusing on digitisation, operational resilience and how new technologies will shape future market structure. Richard represents Euroclear on the IRSG’s Global Regulatory Coherence group, TheCityUK’s Long Term Competitiveness Group and UK Finance’s Sanctions Committee and New Digital Assets & Money Steering Group. He was a Future Leader of the Institute of International Finance and a regular speaker at industry events and to the media on securities and post-trade, and has extensive experience engaging the European Commission, HM Treasury, CFTC, the Basel Committee and CPMI-IOSCO. A dual US/UK national, Richard has Masters in International Relations from the University of St Andrews. 

Rob Woods is a senior Banking expert for LexisNexis® Risk Solutions with a particular focus on Fraud, Identity, Authentication and Biometrics. With more than a decade in threat readiness and fraud prevention, Rob is a leading industry expert on this topic.

Rob is responsible for International Market Planning for Financial Services for LexisNexis® Risk Solutions. One of his core priorities within the fraud and identity leadership team is delivering the product portfolio and planning the strategic roadmap to service current and future client needs.

Rob’s background and product expertise has led the design and delivery of major agile transformation programmes in financial services that are purposefully focused on authentication, fraud and digital identity. Rob’s philosophy is customer oriented, which he applies to create services that are centred on identity protection and focused upon a smooth digital experiences, whilst enabling end users to shop and carry out online transactions with confidence.

Robert is the General Manager of PagoNxt Payments UK, a leading PayTech EMI under Santander. An experienced leader with over 20 years of experience in payments and innovation, Robert helps financial institutions, NBFIs, and corporates manage their payments more efficiently and unlock new growth opportunities.

His background spans payments, cards, and Open Banking, including his time as Head of Payments at Santander UK, always with a focus on delivering practical, future-ready solutions and driving meaningful change across the industry.

Beyond his role at PagoNxt, Robert shares his expertise through advisory and board positions, committed to shaping the next era of financial services.

Sabine works for the Inclusive Design team at RNIB enterprises and has extensive experience working with companies on making their products, websites, apps, environments and services more accessible and usable for people who are blind or partially sighted.

Sabine is a registered member of the IEHF (Institute of Ergonomics and Human Factors) and has a background in Occupational therapy. She also worked for several years in the RNIB’s product development team, testing newly developed specialist products. Her main priority now is making sure accessibility and usability stays high on the agenda of mainstream companies developing any product, web, app or service, and ensuring that end users are involved in any testing. 

Sabine has been involved in a number of projects relating to financial independence, such as the introduction of talking ATMs, the tactile markings on the bank notes, the change to flat cards and the introduction of touchscreen Chip and PIN devices. All of which involved user testing with blind and partially sighted people. Through extensive user testing she has had contact with a wide range of blind and partially sighted people from all walks of life and all age ranges which gives her a good understanding of the issues they face on a daily basis.

Sam is Head of International Public Policy at Stripe, the financial infrastructure platform for businesses. Millions of companies — from the world’s largest enterprises to the most ambitious startups — use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Sam leads a team of policy professionals across Europe, the Middle East and Africa, and the Asia-Pacific Region, who work to ensure that the needs of the online economy are reflected in public policy developments. He is a policy professional with 25 years experience across the financial services and retail sectors. Prior to joining Stripe in 2019, he held senior roles at one of Europe’s largest banks and an Asia-based investment bank. Sam is a member of the Payments Board of UK Finance, the Industry Advisory Council of pay.uk, and the Financial Stability Board’s Legal, Regulatory & Supervisory Taskforce.

Santosh is a product management professional at Mastercard with over a decade of experience in real-time payments, card systems, digital wallets, and banking technology. He has played a key role in delivering large-scale payment solutions across the U.S., Latin America, Asia, and the Middle East. His background includes work with central banks, financial institutions, and payment networks, as well as hands-on experience in card issuing, wallet interoperability, and banking integration—bringing a well-rounded perspective to the evolution of modern payment ecosystems.

Sarah Breeden became Deputy Governor for Financial Stability on 1 November 2023. She is a member of the Monetary Policy Committee, Financial Policy Committee, Prudential Regulation Committee and the Bank’s Court of Directors.

She has specific responsibility within the Bank for financial stability, the supervision of financial market infrastructures, international issues, central bank digital currency and fintech.

Sarah also has responsibility at Deputy Governor level for the Bank’s work on the monetary and financial stability risks from climate change, and chairs the Financial Stability Board’s working group on climate vulnerabilities.

Sarah joined the Bank in 1991. Prior to her current role, Sarah was the Executive Director for Financial Stability Strategy and Risk and a member of the Financial Policy Committee (2021-2023). Previously, she was the Executive Director for UK Deposit Takers Supervision (2019-2021), responsible for the supervision of the UK’s banks, building societies and credit unions, and Executive Director for International Banks Supervision (2015-2021), responsible for supervision of the UK operations of international banks. Before that, Sarah held a variety of roles, including leading the design and risk management of financial market operations undertaken by the Bank during the financial crisis, and then leading the Bank’s work to support the transition of prudential regulation of banks and insurers from the Financial Services Authority to the Bank.

Sarah has an MA in Economics from Cambridge University and an MSc in Finance from the London Business School.

She is a trustee of the Education Endowment Foundation.

Sharmila is an insight and strategy expert in financial services at PA, with 19 years of experience in helping organisations such as JP Morgan, Beazley, and more. Translating evolving human behaviour into actionable strategy for improved products, services and experiences, Sharmila is passionate about enabling greater customer-centricity in financial services, improving financial well-being for customers now and into the future.

Simon has extensive experience in the Payments industry, with expertise in strategic change programmes, cash management sales, operations and product management.

In his current role as Head of Payments for NatWest Group, Simon is responsible for setting the Groups Payments strategy including, Product and Scheme management, Operations and Innovation.  

Previously the Head of Product Development & Innovation, Simon led the Payments customer centric Innovation programme together with product / scheme responsibilities.

Prior to this role Simon was Head of Design and Franchise Delivery leading teams to deliver transformational change to meet alternative State Aid remedies with the European Commission and Her Majesty’s Treasury following the decision to stand down the divestment of Williams & Glyn. 

Simon joined RBS in 1994 from HSBC where he held various leadership roles in Payments and Cash Management. 

Well known and respected at industry fora, Simon is chair of the Strategic Participant Group supporting Pay.UK and has recently taken up a position as an Advisory Board member of Pennies (pennies.org.uk).
 

Søren Mortensen brings over 25 years of Financial Markets experience in delivering mission critical transformational projects for financial institutions. His responsibilities include complex transformations of financial institutions, Innovation in Financial Markets leveraging new technologies such as Cognitive & Blockchain, and post-trade initiatives around topics like reference data management, collateral management and OTC-derivatives processing.

Tom Garner works closely with our customers and prospects, leading a team that provides consulting services and SME knowledge on fraud and identity, enabling organisations across multiple industries and regions to leverage LexisNexis Risk Solutions products, data and advanced analytics to effectively manage risk.

Prior to joining LexisNexis Risk Solutions in 2018, Tom has over 10 years’ experience in banking including roles at Lloyds Bank, TSB and banking startups, holding several fraud related roles where he was responsible for managing digital fraud and security, application fraud and card fraud.

Adam Avards joined UK Finance in 2022 as Principal for Cyber and Third Party Risk. He leads UK Finance’s engagement on Critical Third Party regulatory issues and chairs a number of industry forums and committees on Cyber Security, Cloud and Risk. Before joining UK Finance, Adam spent over 15 years within the UK’s Intelligence Community where he focused on security policy implementation and training.

Jana is the Managing Director for Payments, Innovation and Resilience at UK Finance where she leads discussions on payments, fintech and digital agendas.

Before joining UK Finance, she was head of the Worldpay (then FIS) Global Government Affairs team, shaped competition and regulatory policies at the Financial Conduct Authority and Payments Systems Regulator and prior to that supported companies across public and private sectors globally through her various roles.

She has added commercial credentials delivering and implementing policies in practice, holds several board positions and works with a number of charities.

Phillip is Director for Digital Technology and Innovation at UK Finance.  

He has a particular focus on how legislative and regulatory policy impacts digital transformation in finance and banking. He works across the digital transformation landscape on digital identity, AI, new digital money, tokenisation, open banking and data protection.  

His previous role focussed on influencing payments strategy and regulation in the UK. Phillip has a public policy background with previous roles at HM Treasury and in local government.

He currently sits on the FCA Innovation Advisory Group and Smart Data Council.

Yvonne Deane Harte acts as UK Finance’s Director for Secondary Markets and Post Trade processes. Prior to joining UK Finance in 2020, Yvonne served as senior counsel within the investment management wing of the Aviva plc group and has forged a career (beginning as a private practice solicitor) advising clients on investment management and financial regulation.

Jean-Paul Carvalho is a professor of Economics at the University of Oxford. He is Director of the Oxford University Business Economics Programme (OUBEP) and a Fellow of New College. His work in the fields of Political Economy and Social Dynamics has contributed to our understanding of the institutional risk factors for growth and prosperity using new economic models and sources of data. Professor Carvalho’s research is published in the leading academic journals in economics and he has received awards for research and teaching. He is a Fellow of the Royal Economic Society.

Luke Scanlon is the Head of Fintech Propositions and Legal Director at Pinsent Masons. He has advised some of the world’s leading technology providers and financial institutions on a range of legal and regulatory issues. Recognised by Chambers and Legal 500, Luke regularly provides training sessions and workshops for Financial Services providers. He has spoken at several prominent conferences, including the AI Scottish Summit, and has published extensively in well-known publications such as FT Adviser, The Sunday Times (Scotland), and The Banker magazine.