Matthew joined Pay.UK as COO in April 2018, and became interim CEO in November 2020. Previously, Matthew worked at the Bank of England since 2006, covering a variety of operational and payments leadership roles, most recently COO for the Monetary Policy area. During his time at the Bank, Matthew was also Head of the 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

For the last three years, Austin has supported innovation and industry technical change from UK Finance; particularly through the development of the open banking ecosystem, the industry roll-out of Confirmation of Payee and, more recently, consideration of how a central bank digital currency and other new forms of digital money can be implemented by the industry. Previously part of Payments UK's Standards team; he also supports the work of the UK Finance Standards Strategy Group to improve the co-ordination of standards development within the payments industry.

Sophie is a lawyer who specialises in the law and regulation governing consumer finance, retail banking and payments products. In doing so, Sophie regularly advises on the development of digital products and services. She counts major financial institutions as part of her clientele.

She is currently the sole legal advisor on UK Finance's New Digital Money Steering Group, looking at a potential UK retail central bank digital currency and proposed regulation of stablecoins. Sophie's blog post on a potential UK CBDC is published here.

Sophie regularly delivers training to clients (both business stakeholders and in house legal and compliance functions).

Haydn is a Director and Senior Blockchain Market Specialist at PwC. He has over 20 years’ commercial, operational and transformation experience working for retail and investment banks, a central bank, a regulator, a global management consultancy firm and a Japanese technology company. 

Haydn has run cash management and funding units, as well as foreign exchange and equities settlement teams, alongside leading projects to re-engineer the underlying platforms. He has worked in architecturally complex, data rich environments, grappling with the challenge of reconciling legacy and leading edge technologies across client-sensitive platforms demanding high levels of availability.

Paul Horlock is currently the Chief Payments Officer of Santander UK and is responsible for creating a single UK Payments team operating in all payment lines across the business and working alongside the European region as part of the One Europe approach. He is also engaging with the development of the global Payments strategy for the Santander group and with the evolution of PagoNxt.

Paul brings 20 years’ experience in the payments sector to Santander UK. His most recent position was as Chief Executive of Pay.UK, which he joined at their inception in October 2017 to bring together Faster Payments, Bacs and Cheques into a new UK Domestic scheme serving the UK retail and commercial banking market and delivering key market innovations such as Confirmation of Payee. Prior to this, Paul held senior positions at Nationwide as Director Payments; leading work in the Payments Strategy Forum and Open Banking and formerly at Barclays as Head of Global Payment Processing.