Richard Whyte is an enterprise IT architect with experience designing and implementing credit card settlement, securities settlement, BACS and other payment systems, as well as leading roles in Open Banking and wider banking architecture projects. He is known for creating innovative practical solutions that provide a strong foundation for future development whilst solving immediate problems.

His interest in financial regulation is focused on the practical impact of the regulation, and the most cost-effective ways to satisfy regulation while exposing potential commercial opportunities.

Richard has an MBA, a degree in Statistics and Computing, is a Chartered Engineer, a Chartered IT Professional, and Fellow of both the Institute of Technology and the British Computer Society.

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.