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.

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.

Head of Payments Monzo Bank

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.

Becky is currently Director of Payments for UK Finance leading a strong team with deep domain knowledge delivering thought leadership on policy working closely with the regulators in the UK and Europe for the good of the membership. She is also a member of SWIFT UK Board as an observer and represents the UK on the European Payments Council Board.

Becky has close involvement with the UK Payment System Regulator (PSR) and has sat on the Advisory Panel and the Payment Strategy Forum and chaired the Working Group for Implementation Planning for the New Payments Architecture which was part of the Payment Strategy Forum set up by the PSR. She was also chosen to be part of the Delivery group commissioned by the Bank of England and the PSR for the consolidation of the three Retail Payment schemes representing small and mid-sized financial organisations. Becky was a member of the Bank of England Advisory Board for the replacement of RTGS and has held non-executive Directorship positions for Pay.UK, Faster Payments Scheme, Payments UK and the setup of UK Finance.

At Metro Bank she was Head of Industry Engagement, responsible for payments and card change activity, as well as leading industry and third party engagement. Becky has extensive experience of working with the payments industry and delivering long-term, sustainable value to both customers and business.

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 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.

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.

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.

Senior Risk Manager, Group Operational Risk Oversight at Nationwide Building Society

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.

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.

Annual report