Do you have the same passion for the payments industry as we do? Are you an expert in a particular payments field? Would you like to share and pass your knowledge on to others?
Why not become an Ambassador of The Payments Association?
As an Ambassador we entrust you with our brand.
If you would like to contact any of our ambassadors, Sophie Boissier will be happy to introduce you.
Originally a Defence Analyst, Andrew first moved into the payments realm in 2001, leading HM Government’s Cybercrime Task Force, and subsequently co-ordinating work with industry on Banking and Payments security technology requirements, particularly in Identity, Authentication and broader Cyber Security. In over 20 years of experience as a consultant and researcher he has advised myriad Governments, Regulators, Standards bodies and every facet of industry. He is the lead author of the British Standard in Digital Identification and Strong Customer Authentication (PAS499:2019). addressing PSD2 RTS SCA, UK member of ISO TC321 in E-Commerce Transaction Assurance, and has led industry and regulatory wargaming exercises against future threats and vulnerabilities within the payments industry, including for Open Banking. Currently he has a particular focus on the developing international legal approach to combatting economic crime, especially from the viewpoint of domestic legislative programme and its impact on the global outlook.
Internationally he has been subject matter expert on an EU Cybercrime research programme, a member of the US Federal Reserve’s Secure Payments Task Force, and an advisor to Governments on international Regulatory Alignment and standards in Secure & Trusted environments such as payments. In addition to his first degree he holds masters in Information Security (MSc, Royal Holloway), and Defence & Security Analysis (MA, Lancaster University).
3 Specialisms
Andrew has been a driving force in the digital payments and FinTech transformation for over three decades. Throughout his global career, he has held senior and executive roles in Singapore, San Francisco, New York, and London.
At Chevron, Texaco, and Caltex, Andrew established and led the global marketing and sales, payments and retailing division across three brands. At Visa, he served as the European and CEMEA head of Merchant Acceptance, Acquiring Services, and Commercial Cards, overseeing operations in more than 120 markets. As Senior Vice President at JCB Cards Europe, he spearheaded the transformation of its acquiring, sales, and marketing divisions. Additionally, he worked as a consultant for Mastercard in Saudi Arabia.
Andrew founded Flotta Consulting Ltd to provide tailored consulting services to start-ups, scale-ups, and established players within the payments ecosystem. He has been appointed to various leadership roles, including Chair, Director, and CEO of Pomelo Pay, Intellias, and as an advisor and CEO for start-ups focused on open banking and QR code payments.
A sought-after commentator and podcaster, Andrew also serves as a FinTech mentor and advisor at Level39, an ambassador and judge at the UK Payments Association, and a board advisor, event chairman, and moderator at QUBE Events. His posts on social media can be found at #FintechFriday®™
Chryssi Chorafa is an innovator, entrepreneur, and seasoned consultant with deep experience across financial services, regulation, banking, treasury, and risk management.
As a senior consultant at FIS, she advised blue-chip corporates across EMEA on designing and implementing treasury and risk-analytics solutions — combining rigorous methodology with creative problem-solving.
Over the past eight years, she has focused on AI, DLT, and data-driven financial innovation, developing propositions in financial vulnerability, sustainability, compliance, fraud prevention, and tokenised payments. In 2019, she served as COO of Kalgera, an early-stage fintech protecting vulnerable customers, and later founded StarLiX, an award-winning tokenised payments and compliance platform.
A passionate advocate for sustainable finance, Chryssi has been a Committee Member of BSI’s Sustainable Finance group and a Delegate to ISO since 2022, contributing to the drafting of global standards for financial services.
She has participated in the FCA Sandbox and the first FCA Digital Sandbox, and has mentored multiple cohorts of founders through FCA Challenges and TechSprints — offering regulatory, commercial, and product-development guidance. She has also served as a mentor and judge at Sustainable Finance Live Hackathons and The Payments Association Pay360 Awards, and was recently invited to mentor at the FCA’s Supercharged Sandbox, focusing on AI innovations.
Committed to knowledge-sharing, Chryssi has lectured at the London Institute of Banking & Finance and been invited to speak at UCL, the University of Salford, the University of Bath, and other leading institutions.
Chryssi holds a First-Class Honours BEng from Oxford Brookes University, an MSc in Financial Mathematics from the University of Warwick, and an MSc in Entrepreneurship and Technology from UCL.
Founder of Lighthouse Compliance UK, Daniel is a seasoned compliance expert and industry leader with comprehensive knowledge of the UK and European payments regulatory landscape. With nearly two decades of experience in financial crime prevention and the payments industry, Daniel has developed a deep expertise in areas such as Issuing, Licensing, Crypto, and Lending.
Throughout his career, Daniel has held various senior roles, including Chief Risk and Compliance Officer, MLRO, Director, Board Member, and Consultant. His professional journey spans a diverse range of companies, from start-ups to large enterprises, across the UK, Europe, and Africa. Notable positions include roles at Moniepoint GB, Optimus Cards UK, Ixaris (Nium), FSCOM, and WEX Europe.
Daniel’s extensive background and strategic insight make him a valuable asset in navigating complex regulatory environments, ensuring robust compliance frameworks, and fostering a culture of ethical business practices
David Parker got into Prepaid Cards in 2002 and in 2005 set up Polymath Consulting which has concentrated on consultancy services in Prepaid and Payments Association since then. Polymath Consulting have delivered over 100 projects across 20+ markets globally – from Nigeria and Kenya to Sri Lanka and Eastern. In addition the breadth of our work ranging from standard RFP’s for issuers, processors, to market entry strategy and risk/fraud provides a truly end to end view of the emerging payments arena.
Euan runs McLeod Consulting and is the co-founder of HAL Experts, Retail Banking and Payments – a collective of highly experienced expert practitioners.
Passionate about achieving the best outcomes for customers while also delivering long-term shareholder value, Euan is a seasoned Commercial/Customer Director. With a proven 25-year record of success at RBS, TPF, and Tesco Bank, he has managed cards, lending, deposit, and current accounts products end to end, where payment success has been a critical feature.
An independent consultant since 2022, Euan has led a wide variety of projects across the banking and payments ecosystem including open banking propositions, payment platforms, strategy reviews, loyalty and reward schemes, and new market opportunity appraisal and go to market entry strategy.
In 2014 Jane obtained a Post Graduate Diploma in Governance, Risk and Compliance from the International Compliance Association (ICA) and is a Fellow there. For 5 years Jane taught ICA post-graduate students about “The Future of Payments” covering regulatory changes and new developments in technology in the field of payments and compliance.
Jane worked at Kompli-Global Limited for over 5 years. Kompli-Global offers SaaS to defeat fraud and money laundering. Jane was CEO at Kompli-Global Limited from 2016 until April 2021 when she moved to become Chair. She left that role in September 2021.
Jane regularly speaks at conferences and publishes articles on anti-money laundering as it affects financial institutions and other regulated entities, as well as emphasising the enormous benefits that regulatory technology (RegTech) can bring in reducing costs and increasing the efficiency of the compliance function.
Since 1st October 2021 Jane has been a freelance consultant specialising in anti-money laundering and fraud prevention.
Joanne Dewar has been firmly at the centre of the Fintech revolution, having led Global Processing Services, the technology infrastructure behind many of the greatest fintech disruptors, including as CEO for 4 years. In 2021, Joanne successfully orchestrated a $400m investment in GPS and led the physical expansion to 3 continents. Recognition includes Businesswoman of the Year at the 2023 UK Tech Awards and Director of the Year at the 2022 UK Fintech Awards. Joanne is a passionate advocate for UK Fintech on the global stage and a change maker in Diversity and Inclusion.
Joanne is currently leading The Payment Association’s Project ESG.
John is the Founder and Managing Director of Eclipse Enterprise Consulting, a specialist payments consultancy practice providing strategic, interim management, consultancy and advisory support to companies engaged in banking, consumer lending, cross-border remittance and card payments. As a leading professional in the card and payments sectors, John brings a unique blend of technical expertise, industry knowledge, product innovation, strong governance and international experience.
A financial services practitioner with over 25 years of experience, he has worked with some of the world’s leading financial institutions, as well as established Fintechs and start-ups, where he has gained an in-depth understanding of the complexities in delivering change initiatives across large-scale business, operational and regulated environments. His domain expertise across the payments value chain includes market entry, processor and partner evaluation, compliance and risk management, credit and debit issuing, Scheme membership and regulatory license applications.
In addition to having served in a number of executive positions during his career, John has also held non-executive positions with Visa and MasterCard in the UK, as well as advisory roles, including Jaja Finance, where he supported the successful bid for the Bank of Ireland and Post office credit card back-book.
Jonathan Greenstein, Founder and Managing Director of Lagom Consulting, brings over a decade of experience in marketing, business development, and strategic management. Known for his innovative marketing strategies and consultative approach, he excels in guiding teams and businesses through complex challenges.
His expertise spans across;
Mark McMurtrie is an award winning Independent Consultant who focuses on Payments and FinTech. He advises financial services companies, payment providers, merchants, technology companies and investors. Through Payments Consultancy Ltd he provides market assessments, strategy development, regulatory compliance, supplier selection and commercial due diligence advisory services. His payments industry high profile comes from being a respected commentator, research analyst, conference chairman and speaker. Mark also acts as a judge for industry award programmes and is proud to be an Ambassador for the The Payments Association.
Founding director of Optima Consultancy, Mark is a fellow of the Chartered Institute of Management Accountants. Operating across commercial finance, strategic change, and business transformation he has more than 20+ years’ experience in the payments business.
Alongside the consulting business, he has a portfolio of other roles: a member of the PSR Panel; Non-Executive Chair of PIPO Service Limited (ByteDance); an advisor for the Consultative Group for Liz Coll, in Elizabeth Helen Coll v Alphabet Inc. and a trustee for the M20 Learning Trust (including chair of the Audit & Risk Committee).
His time client side was spent with Marks & Spencer Money as a key member of the team that successfully launched the largest ever retail card conversion in Europe and at Capital One Bank where he helped to shape and develop the financial planning function for the UK entry.
A seasoned speaker at conferences and events, he has also delivered many training workshops for the major payment networks. His consulting assignments cover multi-payment products with a broad spectrum of retailers, issuers, acquirers and payment schemes across the globe.
His recent focus has been helping clients with their strategies and approach to navigate the impact, opportunities and threats to their business from open-finance, together with the development of a six-year comprehensive benchmark study of UK and German mobile banking and finance apps.
Following a career spanning over four decades, working mostly in the communications, security, cash and banking technology industries, Martin has held senior executive positions in sales, operations, management and delivery of complex contractual, strategic and Critical National Infrastructure payment schemes, and has held Board level appointments. His most recent position – Banking Director at the Post Office – saw him develop and deliver the Banking Framework in 2017, now entering it’s fourth iteration, enabling customers of every UK bank to undertake their cash and banking needs at Post Offices nationwide. Working in conjunction with the Access to Cash pilot scheme, he led the development of the Banking Hub concept of shared High St banking availability now becoming commonplace across the UK. He has worked extensively to improve services and cash availability to communities UK-wide, including working in areas such as Financial Inclusion, assessment of available services in those communities, and delivering cash solutions to support them.
Masha is a payments expert whose carrier in payments spans nearly 30 years. Her expertise in the payments business stems from her years at companies such as Visa and Microsoft then Worldline, Cybersource and Mastercard where she worked up to executive and board roles across disciplines and the value chain of Payments and FinTech. Masha became an independent consultant in 2012 at Payment Options Ltd and has been focusing on providing strategic and very practical advice to merchants, payment companies, investors and banks on payment processing, fraud and identity management, compliance and partner selection as well as the latest payment and innovation trends, competitive positioning and payment strategies both directly and as an Associate for other well known consultancies. Masha also has a unique experience of helping B2C and B2B marketplaces understand and set up payment orchestration for over a decade.
Leveraging many years of senior management expertise, Masha also acted as a Board Advisor at Limonetik/Thunes as well as few other start ups including PaySME and XanderPay, she currently holds Non-Executive Director position at Trust Payments and is an Advisor at a number of well-known industry associations and forums.
Masha’s USP is in her hands-on approach and helping clients not only during the consulting projects but in teaching clients’ teams to build long lasting internal payment expertise. She brings her extensive knowledge of merchants, PSPs and Acquiring to the Payments Association.
Nathalie Oestmann is a tenured scale-up chief operations executive and LinkedIn Top Voice. She focuses on Fintech, Payments and Web3 – convinced that the three will merge into one in the near future.
Nathalie is an operator and investor. She has been COO at Outlier Ventures, a Web3 accelerator venture business and at Curve OS, a payment wallet Fintech. She was also GM of Samsung Pay Europe launching the mobile payments solution across Europe. Prior to moving into the Fintech world, Nathalie worked for 15 years at American Express in a variety of roles. As VP of Global Product Marketing, she was responsible for product development and marketing for 3rd party bank partners across 55 markets. Nathalie has extensive international experience and has received recognition across the Fintech industry, including the Fintech Powerlist over many years.
Currently Nathalie is a Partner at Mangosteen Advisory, tackling the problems that stall ambition: the systemic friction, the complex regulatory pivots, and the organisational gaps that prevent high-growth companies from scaling. Mangosteen likes to take on projects at the sharp end of Fintech, digital payments, and Web3, particularly the revolutionary impact of Stablecoins.
Nilixa is the founder of Payments Solved, a regulatory consultancy advising on the regulatory framework for CBDC, crypto assets, open banking, and payment services both in the UK, EU and globally. Nilixa is a lawyer by training and an experienced regulatory expert with a Masters in European Competition Law and over 20 years of banking and payments experience gained from her time at Barclays, the Financial Conduct Authority, the European Banking Authority, and the Open Banking Implementation Entity. Nilixa is a member of the ECB Digital Euro Market Advisory Group, the European Payment Systems Market Expert Group, the European Data Expert Group.
Nilixa works with regulators, legislators and industry to drive changes in the financial services ecosystem for outcomes that support secure, transparent, and inclusive financial services.
Nilixa is also a well-known public speaker, Chair of the Open Finance Association and a contributing member of the Digital Euro Association and the Digital Pound Foundation.
Simon is a Consultant and Adviser with over 20 years’ experience in the Payments sector. His background is in technology and he has undertaken a wide variety of projects, with particular expertise in M&A due diligence and post-deal integration, FCA regulatory requirements, restructuring, outsourcing and operating model design for payments. His clients have included most of the major payments brands, banks and Private Equity investors. He spent many years in the payments teams at PwC and EY as well as working with several other consulting networks. He has acted as a judge at industry awards for many years and is proud to be an Ambassador.
With a distinguished career spanning two decades in the financial services industry, Lana has excelled in senior, global, and strategic roles at prestigious institutions such as Barclays, HSBC, Pay.UK, Bottomline Technologies, MasterCard and Visa. Her expertise encompasses a broad spectrum, including strategy, product development, technology, and operations within the dynamic landscape of payments. Trained as a consultant at Capco, Lana has honed her skills in providing insightful solutions to complex challenges. Currently, as a Founding Partner of Epta-X, Lana serves as an independent advisor, NED and Fractional Chief Operating Officer for FinTech ventures as well as large organisations, showcasing her commitment to shaping the future of FinTech by supporting and empowering new talent entering the Fintech industry.
An inspiring payments expert with strong customer focus, commercial and delivery credentials. Global experience with deep understanding of market complexity, drivers and participants.
At Payment Matters, Teresa helps customers to deepen client insight to enhance propositions and build a compelling Thought Leadership programme.
During her career at NatWest / RBS Teresa led international market engagement programmes leveraging knowledge & expertise in payments, cash management, client insight and product.
Teresa is a highly regarded industry spokesperson, she is also a published author contributing to The PAYTECH Book 2020 and as a primary author of the market leading World Payments Report.
A strong advocate of diversity, Teresa is a member of the UK Women in Payments Board.
