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 Chair of the Council of the University of York, 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.

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.

Becky Clements

Head of Industry Engagement and Payment Change

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. 

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.

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.

Guy Williamson

Head of customer remediation, Clydesdale and Yorkshire banks

Guy Williamson has undertaken a series of senior roles in Clydesdale and Yorkshire Banks since 2005 including Head of Corporate Affairs, Brand and Sponsorship. In his current role he heads the Bank's Customer Remediation Activity driving the Bank's conduct agenda across the business. Clydesdale bank is one of only a handful of commercial banks in the world that can issue its own bank notes and earlier this year launched the first polymer bank note in Great Britain.

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 Cleaves has over 35 years of payments and financial sector experience, with technical expertise across a range of banking businesses including securities, trade, payments and cash management for corporate, institutional and retail clients. He has held senior positions at Deutsche Bank and JP Morgan as well as most recently being Global Head of Cash Management at Barclays Bank. Maurice has also held a number of positions within the industry including Chairman of IBOS Association and previously as a Director of SWIFT UK, CHAPS  and APACS. He also sat on the Payments Council Board before becoming its interim CEO and now the CEO of Payments UK. 

As the CEO of Payments UK, Maurice’s key priorities are to: 

  • ensure the payments industry is positively guided through significant change to benefit customers and UK plc; 
  • champion the work of the industry while enabling collaboration and innovation; and, 
  • influence and engage policymakers and industry stakeholders at, not only UK, but also, European and global level.


Maurice began his financial sector career at Barclays retail bank in the late 1970’s. Three years later he joined The First National Bank of Chicago in London and over 26 years covered many areas of banking including securities, corporate trust, and trade and cash management. During this time Maurice worked through the institutional mergers of First Chicago with NBD, Bank One and finally JP Morgan where, in 2004, he was appointed EMEA Market Manager with responsibility for international cash management services. 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.