Gerard Lemos CMG


Gerard Lemos CMG has undertaken a series of senior roles in financial services and banking regulation since 1998.  He has been Chairman of the Banking Code Standards Board, the Lending Standards Board and the Money Advice Service.  He is a social researcher and the author of numerous books and articles. He is also Vice-President of the British Board of Film Classification and was previously Chair and Deputy Chair of the British Council.  He was a visiting Professor at Chongqing Technology and Business University in China from 2006 to 2010. Gerard has formerly been an Audit Commissioner, a Civil Service Commissioner and a non-executive director of the Crown Prosecution Service.


Clare Spottiswoode CBE

Independent Director

A mathematician and an economist by training, Ms Spottiswoode began her career in HM Treasury before starting her own software company. She was Director General of Ofgas, the UK gas regulator, for five years from 1993 and Deputy Chairman of British Energy from 2002 to 2007.  From November 2006 until the end of 2009 she was the Policyholder Advocate for Aviva plc. Clare is currently Chairman of Gas Strategies Limited, and also a non-executive director of Energy Solutions Inc and Chairman of Magnox. She is also a non-Executive Director of G4S.  She was a member of the Independent Commission on Banking (known as the Vickers Commission) which reported in September 2011, and whose recommendations are currently the subject of proposed legislation.

Steve Allen

Head of Global Payments, Barclays

Steve is Head of Global Payments at Barclays. Prior to this, he was the Director of Operations for Barclays Corporate with responsibility for a number of areas including Lending Operations, International Trade Operations, Account Servicing, Business Continuity, Supplier Management and for Offshore Services function in India.

Steve joined Barclays in 2006 after spending 17 years at Citigroup where he held a variety of roles in the UK, Ireland, India, and the US.

Steve has extensive Operations and Customer Service experience through a number of senior management positions in Citigroup's Corporate and Investment Bank and Global Consumer Bank including leading the payment operations in both Europe and the US. In his latest role at Citi, Steve was Executive Vice President, National Director of Client Services for Citigroup based in New York.

Jonathan Banks

Director of Global Core Payments, PayPal

Jon is Director of Global Core Payments at PayPal responsible for engagement across the payments ecosystem for the UK and Ireland. At PayPal, Jon is focused on improving digital consumer solutions and merchant experiences across all channels to drive connected commerce. Jon has 18 years experience within the financial services industry working with particular focus on card issuing and acquiring, payment processing and customer rewards. Prior to joining PayPal, Jon held senior roles in commercial, product and partnerships including Director of Payments and Loyalty at The Logic Group (part of Barclaycard), Head of Acquiring at Santander Cards and Client Director at GE Money. Jon has extensive experience of bringing new financial services innovations and propositions to market including collaborating extensively with partners including many leading retail brands.  Jon is an economics graduate of University of Nottingham. 


James Barclay

Executive Director, J.P. Morgan

James is an Executive Director in J.P. Morgan’s Treasury and Securities Services within the Global Market Infrastructures team, jointly responsible for managing strategic regulatory issues and industry developments in EMEA. He joined J.P. Morgan in 2007 after heading the New Business Initiatives team at the Euro Banking Association and before that Lloyds Bank’s securities operation in Paris. He is a member of the Board of the Euro Banking Association and has had extensive experience in both the payments and securities industries from operational delivery to strategic positioning.

Otto Benz

Strategic Payments Director, Virgin Money

Otto has over 20 years experience in retail and investment banking focussing on payments.  He has managed large scale programmes of change and has held leading roles in strategy and operations.  Otto has been responsible for architecture and implementation of payments systems including domestic, international and cards, and has worked in issuing, acquiring and central agency organisations, as well as banks and other retail lenders.  

Currently Otto is Strategic Payments Director at Virgin Money, where he has responsibility for the payments operations of Virgin Money as well as setting the strategy.  He is a Director of BACS.

Becky Clements

Head of Payment Operations Metro Bank

Becky Clements has responsibility for all Metro Bank’s payment activity and leads industry engagement and manages external engagement with payment Third Party suppliers ensuring the customer is always put first. Becky has vast experience of working with the payment industry delivering long-term, sustainable value to customers and the business, and sits on the Advisory Panel for the Payment Systems Regulator. 

She joined Metro Bank in August 2014 before that she worked for RBS.  Becky held a number of different positions including running the payment centre for the Wealth brands Adam & Company and Coutts & Co and Head of Global Transactions Payment Change UK & EMEA  where she was responsible for all change and strategic initiatives affecting any of the payment infrastructure, or operational models for RBS UK, RBS NV (ABNA Netherlands), Coutts, Ulster and RBSI. 

Matthew Carter

Products and Marketing Director, Co-operative Bank

Matthew began his career in marketing at Bristol and West after graduating from Exeter University and then joined Nationwide to build their intermediary mortgage business. He then progressed his career at Nationwide to become firstly Head of Product Marketing and then Director forthe Mortgage and Savings business.

This role also included Marketing and was instrumental in the development of the Nationwide Brand.

He later became Commercial Director at Tesco Bank before joining Barclays Bank, firstly has MD of business development and then as MD for Barclays Insurance.


Paul Horlock

Head of Payments, Nationwide Building Society

Paul is responsible for all payment processes across the Nationwide group. This includes: all low and high value electronic payment transactions, paper transactions, cash and cards activity.  He is also the Accountable Executive for all key payment projects across Nationwide covering PSD 2012, integration with the group’s new operating systems and the development and delivery of the future strategic payments infrastructure.  Prior to joining in Nationwide in 2010, Paul spent nine years with Barclays where his last position was Head of Global Payment Processing with direct responsibility for operations in the UK, US and India. 

Prior to joining Barclays, Paul worked for the Prudential Assurance Company and spent time working in the Lloyds of London insurance environment.

Marion King

Managing Director, RBS

Marion King is Director of Payments for RBS and has end to end accountability for payments across the bank. Bringing all aspects of payments together, she leads the overarching payments strategy, industry engagement and delivery of all payments services.

Marion has extensive experience across the financial services industry. She joined RBS in January 2015 from MasterCard where she was the President of the UK & Ireland markets. In this role, she was responsible for growing the business and creating a world beyond cash through an innovative approach to everyday payments, including emerging technologies such as contactless and mobile.   

Prior to joining MasterCard, Marion was the CEO of VocaLink, she held this role from 2002 and her leadership transformed VocaLink from a domestic back-office payments supplier, to a commercial international transactions specialist offering multiple services.


Neil Lover

Head of Payments & Financial Crime at Coventry Building Society.

Neil is responsible for all aspects of payment and card activity from strategy to operations, risk and change. Neil is also responsible for strategy, analytics, operations and oversight for both fraud and anti-money laundering and is a non-executive director of the UK Cards Association, a member of the LINK Network Members Council and a member of the Payment Systems Regulator Strategy Forum. 
Prior to joining The Coventry, Neil was responsible for delivery of the mobile payments business operation at Telefonica and represented the company on the cross-telco industry Payforit payments management group.

Prior to joining Telefonica, Neil was Head of Payments Strategy and Transformation at Nationwide, which included responsibility for group strategy, consultancy, payments risk and change for all payment services.

Neil has also served on the Chaps and Cheque & Credit Clearing Boards, Visa UK Board and has held senior posts in banking operations and programme management having worked in the financial services industry since 1987.

Toby Mason

Head, Global Payments Services, American Express

Toby Mason is American Express's Head of Global Payments Services.  In this role Toby is responsible for global transaction processing, strategy and compliance for significant levels of daily volume from customer billing payments.  Previously, heading up the new role of Global Cardmember Payments he brought together a number of existing teams to develop a strategy and sizeable investment plan to improve customer experience, meeting regulatory and compliance needs and upgrading infrastructure, including responsibility for the implementation of SEPA DD and CT programmes across Europe.

Toby has been with American Express for nearly 20 years, in that time he has held a number of roles focusing on developing and implementing new technologies.  As Vice-President of International Consumer Technology, Toby was responsible for developing the technology strategy for the international consumer business and for managing annual investment, including the integration of a large-scale Loyalty partner acquisition.

As Head of Technologies in the JAPA region he was responsible for the overall leadership of technological development and operations throughout the region, prior to this he was Vice-President of International Operations.

Toby has a First class degree in Classics and Modern Languages from Oxford University.

Russell Saunders

Managing Director Global Payments, Lloyds Banking Group

Russell is a career banker with 20 years' experience, specialising in operations, compliance and change management. He is currently Managing Director Global Payments for Lloyds Banking Group. Russell is a strong advocate of customer led innovation in payments and has led a number of initiatives on behalf of the industry including Faster Payments.


Andrew Slough

Payments Industry Director, HSBC

Andrew has over 25 years' experience within retail and commercial banking, cards and payments at HSBC. This has included senior positions in strategy, product and business management in both the UK and US. He also has extensive experience in industry involvement and representation. In his current role as Payments Industry Director, Andrew is responsible for HSBC's strategy in respect of and engagement with the whole of the payments industry.

Alan Verschoyle-King

Executive Vice President, Global Treasury Services, BNY Mellon

Alan Verschoyle-King is Global Head of Sales & Relationship Management for BNY Mellon’s Treasury Services business. In this role, Alan directs the firm’s efforts to further grow revenue in targeted markets. He has responsibility for our Sales, Relationship Management, Account Management and Market Management functions across the APAC, EMEA, LatAm and NorAm regions.

Prior to his current role, Alan served as Treasury Services’ Head of Europe, Middle East & Africa (EMEA). In that role, he was responsible for the Sales, Onboarding, Relationship Management and Client Servicing of Cash Management, Liquidity Management, FX, Trade Finance and Credit solutions for clients throughout the EMEA region. These clients included banks, insurance companies, investment managers, hedge funds, broker-dealers, corporates and public sector institutions. Alan has been involved with the Transaction Banking and Client Management businesses for more than 20 years, holding senior positions in London, New York, Frankfurt and Amsterdam. He joined BNY Mellon in 2006, after six years with ABN AMRO Bank in London and Amsterdam, latterly as Head of ABN AMRO’s Working Capital Management business for EMEA.

Prior to ABN AMRO, Alan worked with Bank of America in London as the bank’s Head of Global Treasury Services for EMEA. He began his career with Citibank, where he worked for more than 10 years in a variety of Transaction Banking and Client Management positions in London, New York and Frankfurt – roles included Head of Global Transaction Services Sales for EMEA, Head of Financial Institutions Client Management for Europe, and Chief of Staff to the Head of Citibank EMEA.

Alan is a Law graduate from the University of Edinburgh, Scotland, and holds a Masters Diploma in Legal Practice also from Edinburgh University. He is a very frequent speaker at leading industry conferences globally and has authored and co-authored various articles in leading Treasury Servicespublications globally.

Alan sits on the Global Editorial Boards of GTNews and Global Trade Review (GTR).

Norman Wren

Santander UK Service Delivery & Operations Director

Norman is responsible for operations including payments; process improvement, organisational structure and productivity, cost management and procurement.

Previously, Norman worked in Paris for AXA where he was responsible for setting up global manufacturing and cost management programmes. He has also worked at Guardian Royal Exchange as Group IT Director, BZW Investment Bank as Head of Global IT Operations and was a consultant with Andersen Consulting.

Maurice Cleaves

Chief Executive

Maurice has an observer seat on the Payments UK Board. 

Maurice has over 35 years of experience within the banking industry and started his banking career at Barclays retail bank in the late 1970’s. He joined The First National Bank of Chicago in 1980 and over the following 26 year tenure he covered many areas of banking, including securities, corporate trust, trade, and cash management through mergers with Bank One and JP Morgan Chase.

In 2006 Maurice moved to Deutsche Bank where he was a Managing Director in the Global Transaction Bank, responsible for Cash Management Product Management for EMEA and developed the payments business within the euro area.

Most recently Maurice was back at Barclays Bank where he was Global Head of Cash Management, Managing Director, and a member of the Corporate Bank Exco with a co-head responsibility for all products. During his career Maurice has also held a number of positions within the industry including Chairman of the IBOS Association, Director of SWIFT UK, CHAPS and on the Payments Council Board (2008-2010).