Participant Advisory Council

The Participant Advisory Council advises, and makes recommendations to our board on issues that are likely to be of current and future significance to participants in our payment systems. Importantly, this group also assists us in seeking to find answers to participant challenges, ensuring an evidence-based approach to possible solutions.

Current members of the council are listed below, and all have been appointed because of their relevant experience and expertise, rather than as representatives of their organisations. The purpose of their involvement is to share their individual insight, not to champion their organisation’s interests.


Jean-Yves is an Independent Non-Executive Director of Pay.UK and Chair of the Participant Advisory Council. He has led procurement for some of the world’s biggest brands and has extensive experience in post-merger value creation. After working on the external sourcing of innovation at P&G in the 1990s he joined InBev in 2002 as procurement director and later became part of the AmBev executive leadership team based in São Paulo. He then became Chief Procurement Officer at Cadbury and from 2011 through 2017 has served as Group Chief Procurement Officer at GSK.

Dave is a Founding Partner at Charteris Consulting. He has over 25 years’ business and IT experience and has worked with most of  the major UK banks and many other financial institutions in both business development and delivery roles. Many of Dave’s roles have been heavily focused on payments, mostly from a vendor perspective and he has held senior posts in equensWorldline, VocaLink, Coopers and Lybrand, Logica, Wincor Nixdorf and other IT consulting companies.

Dave is also the Co-Founder and Deputy Chair of the Payments-ID working group which comprises senior representatives from the payments community working towards a Digital Identity Scheme.

Kyle runs Payments at Monzo including responsibility for the firm’s Payments infrastructure, Open Banking infrastructure, and Savings Marketplace. Originally from the USA, Kyle has spent his entire career in Banking and Fintech, working in the CDO team at US Bank 2007-2010 and at Square in numerous roles across Finance, Business and Operations from 2010-2019 before joining Monzo in his current role at the end of 2019. Kyle is also a Partner in Unwritten Wines and lives in Belsize Park with his wife.

Julian David is the CEO of techUK the Digital Technology Trade Association.  Julian leads techUK’s 60 strong team in representing 850 member companies, comprising Global and National Champions and more than 500 SMEs. He is a member of the UK Government and Industry Cyber Growth Partnership, the Digital Economy Council and the Department of International Trade’s Strategic Trade Advisory Group. He is also the Vice President for National Trade Associations on the Executive Board of DIGITALEUROPE and Vice President representing Europe on the board of WITSA the Worldwide IT Association. He is also a Member of the Board of the Health innovation Network, the South London Academic Health Science Network.

Gillean runs Barclays’ Current Account & FX business, which includes responsibility for the firm’s Open Banking programme. A New Zealander, she spent 15 years at American Express working internationally across a variety of business areas before joining Barclays in 2015 to run their Insurance business and in 2018 moved to her current responsibilities. Gillean lives in Surrey with her husband and two young children.

As Head of Product Development and Innovation for NatWest Payments, Simon leads the customer centric Innovation programme and has responsibility for payments product and schemes.  Prior to this, 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’s current external responsibilities include being a member of the CHAPS Strategic Advisory Forum as well as having expertise in strategic change programmes, cash management sales, operations and product management.

Eddie is currently Client Executive Banking and Financial Markets UK, IBM. He is a long-term specialist in Financial Services with over 30 years of experience in the IT industry. He has worked in several sectors, including retail banking, life assurance, corporate and investment banking, post-trade securities services, payment cards and credit reference. He also has a keen interest in the roots of financial services in the UK, and their relationship with the social history of the country. His experience with IBM has taken him around the world with significant amounts of time spent in South Africa, Central and Eastern Europe and the major European economies.

Oliver is a partner at KPMG’s Financial Services practice. Over the last 10 years his roles have included leading the UK industry delivery programme through public launch of the Faster Payments service, the SEPA implementation in a major bank, advising on implementation of instant payments in other countries and most recently, as Program Director for the Australian New Payments Platform service, from initial mobilisation though implementation and public launch.

Jana is the Managing Director for Payments and Innovation at UK Finance where she leads discussions on the payments, fintech and digital agendas. Her previous roles include leading the Worldpay, then FIS, Global Government Affairs team, shaping competition and regulatory policies at the Financial Conduct Authority and Payments Systems Regulator and supporting companies across public and private sectors in several markets at KPMG. She has added commercial credentials delivering and implementing policies in practice, hold several board positions and work with a number of charities.

Michael set up Form3 after spending more than 25 years in executive positions with Deutsche Bank, Royal Bank of Scotland and Barclays. Most recently, he was Global Head of Cash Management and a Member of the Corporate Banking Executive at Barclays, where he had responsibility for the product management and distribution of the bank’s payment, corporate deposit and customer access products. For many years Michael has been passionate about driving digital change and innovation in global banks and has sponsored many key initiatives in this area, including white-labeling, biometric security, and mobile payment/banking technology.

Re-engineering payment back-office systems in response to industry developments, customers demand, capacity constraints, cyber threats or cost challenges has been a strong focus of Michael’s work during his time in financial services and as the CEO of Form3.

Michael holds a degree in Organisational Psychology and a Master of Business Administration from INSEAD.

Tim has followed his passion for payments in the UK by being involved across many of the industry’s collaborative developments, with related interests spanning customer service and operational risk, especially economic crime.  Having established Nationwide’s first payments security function he now leads payment industry engagement, bringing a mutual perspective to the UK’s payments community.  Tim’s a member of both the Payments and Economic Crime Product and Service Boards at UK Finance and chairs its Interbank Payments Policy Committee.

Connecting with public policy, regulation and payment system operators such as Pay.UK, Tim has been directly involved in bringing to life services such as Confirmation of Payee and remains closely connected to the Payment System Regulator (PSR) since working on the Payments Strategy Forum, particularly on the proposals for a New Payments Architecture (NPA).  A key focus of Tim’s work in recent times has been push payment scams and he’s keen to see strategic ideas designed into our payment services to inspire trust as well as great service.

A lifelong cyclist and music fan, Tim and his wife Clare live in Wiltshire and have three daughters who’ve migrated north.  He cites the growing plurality and diversity of our payments community as a favourite part of his role, second only to the joy of getting to meetings by folding bicycle whenever possible!

As Head of Payments for Santander UK, Robert was responsible for the services and strategy for the core payments infrastructure, including shaping a new domain vision. He also leads the engagement with Industry on collaborative ventures, Payment System Operators and Regulators in the UK and abroad. He has a broad experience of product and infrastructure development, including recently leading Open Banking & PSD2.

Li is currently Head of Financial Crime Technologies at Lloyds Banking Group with responsibilities for group-wide anti-money laundering, sanctions and customer due diligence applications having previously led the IT delivery of financial crime, payments, mortgages and internet banking at Lloyds Banking Group.  Previous to this role, Li spent 12 years at Accenture implementing IT and business programmes at banking and capital market clients in London, Frankfurt, Hong Kong and Kuala Lumpur, Malaysia.

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