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Industry Advisory Council

The purpose of the Industry Advisory Council (IAC) is to provide our executive team and board of directors with guidance and advice on how to best support the delivery of our strategy. This rests upon two central elements:

Our role as a Payments System Operator

This provides the foundation on which the ecosystem is able to deliver value for end users and customers, now and in the future.

Our role as a platform leader

This harnesses our technology, roles and standards to drive competition and innovation in the market.

Chaired by independent industry representative, Lorraine Brady, the IAC ensures that the views of the industry are reflected in our decision-making processes and investments, both for our current and our next generation platforms. To achieve this, we invite experts from across the retail payments industry to join the IAC in order to help challenge our views, and assist us in an advisory capacity. We hope to benefit from the wealth of knowledge of our key industry representatives, to help guide and better inform our decisions on topics, such as our strategic roadmap and our work on fraud.

You can find a list of current IAC members, and their biographies, below:


Lorraine Brady

The Access Group

Lorraine is passionate about payments and fascinated with the way technology and customer expectations are pushing the boundaries of what is possible. As Marketing Director for Access PaySuite, a UK headquartered payments provider who offer direct debit, card processing, open banking and other value-added services for businesses, public sector and not for profit customers she has the opportunity to see first-hand the impact of new innovations in the market. She has been in the payments industry for over 20 years including at FIS, Visa, Vocalink among others and relishes the opportunity to work with the vast depth and breadth of industry experience on the Industry Advisory Council to input to Pay.UK’s strategic agenda.

Mike Jones

Mike Jones is Head of Market Services Division at the Bank of England with responsibility for Bank’s Real-Time Gross Settlement (RTGS) payment system, the CHAPS payment scheme and the Bank’s securities operations.

Mike has previously undertaken a number of other roles at the Bank across its front, middle and back offices and in prudential supervision. 

Diane Heighes MBE

Diane Heighes is the Industry Change Lead for Government Banking which involves working with over 600 Central Government organisations to inform and prepare them for the impacts and opportunities that changes in the payments industry will bring.

I have more than 15 years of experience working with stakeholders across the banking and payments industry, advocating for the public sector and the citizens and businesses of the UK that interact with Government.  I represent Government as a major end user on a variety of working groups led by Pay.UK, Bank of England and UK Finance. 

Jack Wilson

Jack Wilson is Head of Public Policy at TrueLayer where he leads engagement with UK and EU regulators and authorities, and sits on a number of committees as a fintech and regulatory expert. He is a former policy adviser at the UK banking regulator the FCA

Nicole Green

Nicole is VP of Product Strategy, Operations and Policy for Yapily, an Open Banking infrastructure provider. She has over 20 years of experience working in product management, strategy, and pricing at global firms, previously holding roles at BT, Vonage, and Corporate Executive Board (now Gartner).

Andrew Hewitt


Andrew is Director of Payment & Data solutions at FIS, and currently sits on the PSR Panel. Andrew brings 20 years industry experience previously holding roles at VocaLink and TSYS. Andrew consults for FIS around EMEA specialising in cards and payments and is currently working on FIS NPA and Open Banking strategy. Andrew has a passion for wanting the best outcomes for all payment service users.

Neil Harris


Throughout his stellar career, Neil Harris has exhibited a passion for levelling the playing field and making financial accessibility a reality for a great many individuals through invention, entrepreneurship and philanthropy. As well as inventing multiple transformative technologies and founder of several successful fintech businesses, he founded ‘The Inclusion Foundation’, a not for profit that focuses on shaping better financial services propositions for underserved individuals and communities.

Neil has founded 3 organisations, conducted 2 successful exits so far, and has held senior executive positions in renowned fintech companies, where he has led high-performing teams and cultivated a culture of innovation. His strategic leadership has been instrumental in driving exponential growth, expanding market reach, and forging strategic partnerships that have cemented his organizations as industry leaders.

Neil is a pioneering leader in the dynamic world of fintech and payments, renowned for his visionary thinking and exceptional contributions to the industry. With an extensive background in finance and technology, Neil has played a pivotal role in shaping the way we navigate the digital economy.

Beyond his corporate achievements, Neil is deeply passionate about inclusivity and is committed to fostering collaboration and knowledge-sharing within the fintech community. He frequently speaks at prestigious conferences, sharing his insights and inspiring others to embrace digital transformation. Moreover, Neil actively mentors aspiring entrepreneurs and emerging talent, nurturing the next generation of fintech leaders.

Neil’s exceptional achievements have earned him widespread recognition and numerous accolades. His remarkable contributions to the fintech industry have positioned him as a thought leader and influencer, sought after for his expertise and guidance. Neil’s passion for innovation, coupled with his unwavering commitment to driving positive change in the financial landscape, continues to shape the future of fintech and payments, making him a true luminary in the field.

Hannah Regan

British Retail Consortium (EX FSA)

Hannah leads on all areas of financial policy for the British Retail Consortium, representing retailer views primarily on payments issues and developments, working to drive forwards innovation in retail payments. She represents retailers on several working groups and committees including JROC’s Open Banking working groups, the CBDC Engagement Forum, and SCOR. In early 2023, Hannah hosted the retail industry’s first ever Open Banking event, bringing together retailers with regulators and industry to work through and voice any concerns. Prior to working at the BRC, Hannah worked in Policy at the FCA, consulting on and drafting new policies looking at section 75 and consumer protections as well as the FCA’s work on vulnerable consumers.

Monica Eaton-Cardones

Chargebacks 911

Monica Eaton is the Owner and Founder of Chargebacks911, the world’s first chargeback management solution provider helping the world’s largest businesses and financial institutions prevent chargebacks, mitigate risk and recover lost revenue. Today, Monica’s company has protected over 10 billion transactions for more than 45,000 merchants and banks. As a female founder, Monica has over 20 years of experience in the payments industry and has been recognized as a leading authority in payment disputes and Chargebacks, Monica serves on the Advisory Board of The Fintech Diversity Radar and has established the LIFT: Elevating Women in Fintech initiative, a program providing mentoring opportunities for women in technology and finance she has also been featured in numerous publications, including Forbes, The Wall Street Journal, and Bloomberg, and has spoken at events around the world on the topics of payment processing, fraud prevention, and risk management.

Scott Manson


Scott Manson is an experienced financial services senior leader with a focus in payments (both cards and domestic payments) with over 15 years’ experience. Currently UK product director for PagoNxt Payments which delivers payment solutions globally for a range of payment providers. With a track record of delivery across banks and processing partners (Visa) in product, strategy and delivery roles he brings a wealth of experience and insight to a number of different topics. 

Terence Trench


Terence (Terry) is a Senior Director within Sage’s global Payments and Banking team where he works with product colleagues to better integrate financial services into accounting and ERP systems for small and medium sized businesses. He brings over 25 years of experience in the payments industry focused on technology driven innovation. He has worked in the UK, France and the US within start–ups and well-known multinationals such as Visa International’s HQ in San Francisco and Barclays’ Corporate HQ in London.

Paul Foster

GoCardless –
Director for Global Payment Partnerships

Paul Foster is the Director of Global Payment Partnerships at GoCardless. His team is responsible for building and maintaining the global account-to-account payments infrastructure, which enables GoCardless to provide its best-in-class merchant proposition. Paul has specialised in banking and payments for over 15 years having previously worked in a number of roles within the Royal Bank of Scotland group. Paul is currently a member of various industry expert working groups related to Open Banking and digital payments.

Stuart Bailey

Stuart Bailey

Lloyds Banking

Stuart Bailey leads the payments industry relationships for Lloyds Banking Group digital payments including CHAPS, BACS, Faster Payments, SWIFT, Target2 and SEPA. He is also accountable for the relationship with industry bodies such as Pay.UK, UK Finance and the Payments Systems Regulator.

He brings a variety of experience to the role from leadership positions in both customer and operational domains.  He has been a relationship banker leading financial institutions relationships across the globe, particularly developing correspondent connections in Asia and the U.S. Subsequently, he has held senior positions in transaction banking in strategy, business development and product management.

Stuart sits on Pay.UK’s, Participants’ Engagement Forum and UK Finance Payments Policy Board. He has previously been a director of the Faster Payments Scheme. With a particular interest enterprise and innovation, Stuart is a member of the International Advisory Board of the Newcastle University Business School, also supporting the university’s STARTUP programme for new student led businesses.

Tribh Grewal


Tribh Grewal has over 25 years’ experience in the payments industry across Europe, the Middle East, and Africa, focused on payments, technology, marketing, and business development.

Tribh is the head of AltPay, Fintech and Commercial Solutions for EMEA region and is responsible for developing the Discover Global Network business across the Fintech, Digital Partnerships and Commercial & corporate programmes.  Prior to this Tribh was head of Business development and relationship management for Europe.

Prior to joining Discover in 2013, Tribh was the Managing Director of Modirum a technology and payment services company. Before joining Modirum in 2009 Tribh was head of Innovation and Emerging Payments at Visa and prior to that Tribh held several other positions at Visa including Head of CNP Acceptance, Head of e-Commerce & Technology Development. Tribh has successfully led the development and launch of new products and services in EMEA region for e-commerce, Authentication, Mobile Commerce, Contactless and NFC payments and is a co-inventor on 4 patents for remote authentication and mobile payments.

Tribh holds a bachelor’s degree in physics from Delhi University, a bachelor’s degree in computer & communications Systems from University of Greenwich and an MBA from OU Business School.

Sam Hinton-Smith


Sam is Head of Public Policy for Europe, the Middle East and Africa at Stripe, the financial infrastructure platform. He is a policy professional with more than two decades experience across the banking and retail sectors. Prior to joining Stripe in 2019, he held senior public policy roles at one of the UK’s largest banks, and ran a cross-sector committee of financial services leaders focused on the future of EU-UK financial services. Sam is a member of the Payments Board of UK Finance, and a member of the European Central Bank’s Market Advisory Group on a Digital Euro.

David-Jan Janse


David-Jan Janse is the CEO and co-founder of SurePay, the inventor and leading vendor of Confirmation of Payee in the UK and EU.  With 24 years of experience in banking and payments, he is a seasoned business strategist who has driven digitisation and innovation throughout his career. David- Jan has held various positions, including commercial manager online, program manager mobile banking & payments, and fintech manager open banking. In his most recent role, he founded SurePay as an independent company and developed the IBAN-Name check alias CoP. The pan-European scope and presence, affords him a broad perspective on the innovative landscape within the banking and payment industries across Europe He believes in purpose-driven collaboration and has a passion for lean-startup thinking, supporting young professionals, and protecting the world. Strategy | Fintech | banking | payments | marketing | innovation | creative business developer | business model generation | design thinking | customer focussed | value proposition driven | 24 years of experience 

Andy Morris


Andy Morris has extensive experience dealing with financial crime and payment processing. Previously Andy managed the EMEA Risk and Compliance, and working with Barclays Bank gave him practical payments experience with financial crime as he represented the bank at APACS and the UK payments association.

Mike Walters

Form 3

Mike Walters is Chief Product Officer at Form3, a trusted provider of payment technology. 

He has held this role since 2016 and was part of Form3’s founding team. Mike is responsible for the design, prioritisation and commercial success of Form3’s products.  Mike’s work at Form3 has led to a number of firsts for the company. Form3 connected the first non-settling participant and non-bank to the UK Faster Payments Infrastructure. He also helped Form3 to become the first cloud native provider of payment technology to major financial institutions.  Walters has played a key role all of Form3’s funding rounds, with a recent success being $160 million secured from leading global investment bank Goldman Sachs.  Mike has also worked closely with Form3’s C-suite to hit its gender diversity target of ensuring 25% of the company’s workforce is female.  Before joining Form3, Mike was Product Director for Global Payment Acceptance at Barclaycard from 2014 to 2016, and at Barclays from 2002 to 2014.  Mike gained a Law Degree at the University of Warwick in 2001, alongside a Master of Arts at Nottingham University Business School in 2002.

Scott Frisby


Scott leads the Strategy, Insight and M&A advisory function for the European business of Elavon, one of the leading global merchant payments firms and a wholly-owned subsidiary of U.S. Bank.

In this role, Scott drives the formulation and implementation of Elavon’s strategy at regional level and across its several European geographies as Elavon continues to expand beyond core merchant acquiring into adjacent payments and commerce services, with an emphasis on growing Elavon’s presence in the small- and medium-sized business segment.   In addition, Scott’s team manages the identification and strategic fit of potential M&A targets.

Scott’s 20-year career in payments has seen him work in strategy consulting for Accenture and First Annapolis Payments for a variety of client types, including domestic payment switch operators, retailers, banks and private equity investors.  Scott began his payments journey at Visa, where he held a variety of product manager roles as well as being a founding member of Visa Consulting & Analytics.

Andy Hayes


Chris Withers


Chris Whiters’ career has been spent helping organisations to better serve their customers through the use of data and AI. He is currently the Director for Data & AI Solutions at BT and the co-lead for Generative AI. Prior to BT, Chris led AI & Advanced Analytics in Financial Services as a Partner at EY and spent 14 years at IBM in leadership roles applying new technologies to solve business problems. In addition to his role at BT, Chris advises a number of organisations on AI, including University of Exeter and UK-based start-ups.
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