Participant Advisory Council


The Participant Advisory Council advises, comments and makes recommendations to the Pay.UK Board on issues that are likely to be of current and future significance to participants in our payment systems.


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.

Lana is a Director at Lloyds Banking Group. Prior to Lloyds she worked for Experian, leading the development of data driven client solutions. Lana has also worked in assurance & advisory at KPMG, payments, retail, corporate banking and capital markets across the globe with BP Treasury, TD Bank Group and Barclays. Over 2015 to 2017 she was a member of the Payments Strategy Forum and played an influential role in shaping the future UK payments landscape, improving trust in payments and removing barriers to enter.

Dave is currently Managing Director, UK Branch Office for equensWorldline (the pan-European leader in payments and transactional services), having taken up this role in 2015. He has over 25 years’ business and IT experience and has worked with all the major UK banks and many other financial institutions in both business development and delivery roles. Previous to his current role, Dave has held senior posts in VocaLink, Coopers and Lybrand, Logica, Wincor Nixdorf and other IT consulting companies and is also currently a founding partner at Charteris Consulting Limited.

Marcia is Senior Vice President, Market Development for Mastercard UK, Ireland, Nordics & Baltics. In this role she is responsible for developing and executing the Mastercard business strategy and development plans to drive market growth and performance. Previously, she managed Key Customer relationships at Mastercard. Before joining Mastercard, Marcia was Vice-President, Client Development at First Data and then prior to this, held a number of roles at American Express, leading new product development and marketing strategy with international market teams, expanding key industry relationships within the travel sector and developing the American Express card acceptance 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 Innovation and Business Development for RBS, Simon leads the Payments customer centric Innovation programme together with product / scheme responsibilities.  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 head of a new global Public Policy and Regulatory Affairs function at WorldPay. She is a competition economist with broad regulatory and policy experience in financial services having previously worked with a number of commercial organisations, regulators and competition authorities. Through her previous position at the PSR she helped shape the development of payments regulation in the UK from the early stages into its current form. At Worldpay she is responsible for designing and delivering a high-level strategic policy programme and provides strategic insight and advice to the Executive Team and Board. She represents WorldPay on a number of industry Boards, including the Bank of England’s RTGS Advisory Board.

Nick is a consultant at Charteris, where he provides services in the areas of expert witness, project and programme management, interim management, IT strategy and due diligence. He has been CIO of a range of organisations, including UK challenger bank Monzo, Western Union Business Solutions and Travelex. Prior to this Nick spent 8 years at Vocalink as Managing Director of their Transaction Services business unit, covering BACS and Faster Payments services.

Nick is the Strategic Payments Director at Virgin Money, where he is responsible for defining the strategy and underlying architecture required to support the bank’s payments infrastructure. Nick brings 17 years of experience in the banking sector, working at TSB Bank, Nationwide Building Society, Lloyds Banking Group and RBS. Nick started his career as a developer, moved on to software architecture, project management and programme management.

Andrew joined HSBC as Global Head of Payments in June 2017 from National Australia Bank where he was the Executive General Manager, Operations. He leads an HSBC Payments team of more than 3,300 colleagues managing around 4.4 billion transactions a year. During nine years at National Australia Bank, Andrew led Customer Payments and Processing Operations for Personal and Business Banking, Collections and Fraud, Shared Services and Customer Contact Centres. A Chartered Accountant who has lived and worked in Australia, UK, Singapore and Hong Kong, Andrew founded an environmental start-up business in Australia before joining the banking industry.

Lars is the UK Product Manager at TransferWise, responsible for the movement of British Pounds to and from the United Kingdom. Most recently, he led the initiative of TransferWise joining Bank of England’s Real Time Gross Settlement (RTGS) system as the first Non-Bank Payment Service Provider and as a direct participant of the Faster Payments Scheme. Before TransferWise, Lars founded Raudwara, an Estonian publishing house, authored several bestselling books in Mathematics, and worked with the Walt Disney Company on a strategic consulting project in Africa. He holds an MBA from Saïd Business School, University of Oxford.

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.

Annual report