Jana Mackintosh Managing Director, Payments & Innovation of UK Finance Jana Mackintosh Managing Director, Payments & Innovation of UK Finance
Experienced executive with a particular focus on competition and regulatory policy, having worked across a number of public and private sectors in several markets. Influence payments regulation across the UK and Europe, leading discussions on strategic industry and regulatory policy initiatives. Has commercial credentials delivering and implementing these policies in practice. Skilled at relationship building, hold several board positions and work with a number of charities.
Stuart Davis Partner at Latham & Watkins Stuart Davis Partner at Latham & Watkins
Stuart advises the full spectrum of clients in the payments and fintech market, including advising some of the largest payment services companies, market infrastructure providers, as well as advising technology providers on some of the most innovative digital payments projects globally. He also regularly advises investors on M&A acquisitions in the payments space and has been heavily involved in advising on IPOs in the payments sector. Stuart continues to advise a number of central banks on developing financial services regimes, particularly covering payments, market infrastructure and fintech regulation.
Brett Carr Associate at Latham & Watkins Brett Carr Associate at Latham & Watkins
Brett’s practice covers a range of financial services regulation, with his primary focus advising banks, fintech platforms and other payment services providers on their most complex regulatory issues. Brett is experienced in advising some of the most notable names in the payments market on domestic and cross-border regulatory and expansion matters. Brett’s work also includes advising on the design and extension of national payments and fintech regulatory regimes in both developing and developed markets.
Kirsten Smart Strategic Engagement Lead at Lloyds Banking Group Kirsten Smart Strategic Engagement Lead at Lloyds Banking Group
Kirsten Smart heads Lloyds Banking Group’s Payments Strategic Engagement team; providing thought leadership, analysis and influencing on key payments infrastructure topics including digital currencies, the new payments architecture and enhanced consumer protections.
Before joining Lloyds in 2015, Kirsten had a stint as an ombudsman at the Financial Ombudsman Service, following seven years at the Financial Conduct Authority (FCA). At the FCA, Kirsten led on regulatory payments policy from the inception of the Payment Services Regulations 2009; instigating the industry approach to retries for consumer Bacs payments and also developing the governance model for the Payment Systems Regulator. James Shafe Head of Department (Acting), Consumer & Retail Policy at Financial Conduct Authority - FCA James Shafe Head of Department (Acting), Consumer & Retail Policy at Financial Conduct Authority - FCA
James is the Head of Department covering policy on Payments, Open Finance, Cryptoassets, and Consumer Policy. He joined the FCA in 2015 and led FCA supervision of a variety of firms including life insurers, outsourcers, and investment platforms. Before joining the FCA, he developed financial services policy at Which?, and pensions policy at NEST (National Employment Savings Trust). James holds a PhD from UCL and BA from Oxford University.
Paul Roe Head of Department Payments Supervision at Financial Conduct Authority - FCA Paul Roe Head of Department Payments Supervision at Financial Conduct Authority - FCA
Paul Roe has been Head of Department for Payments Supervision at the FCA since July 2020, having previously spent nine years supervising large retail and wholesale banks. Prior to joining the regulator Paul worked for HM Treasury and was Head of the UK delegation in EU and OECD negotiations on export finance. Paul holds a BA Hons (1st Class) in History & Politics from Lancaster University and an MSc in Government from London School of Economics. As part of the former, Paul spent an exchange year at George Washington University (including an internship in the US Senate.
Tony Craddock Director General of Emerging Payments Association - EPA Tony Craddock Director General of Emerging Payments Association - EPA
Tony launched the Emerging Payments Association (EPA) in 2012. The EPA promotes the UK as global hub for payments innovation and the interests of the EPA’s 150+ members, which include banks, card schemes, PSPs, issuers, processors and acquirers who all collaborate to drive change.
Tony also leads the communities of EPA Asia and EPA EU. In 2019 he set up The Inclusion Foundation, a Not-for-Profit Community Interest Company promoting products that help address financial exclusion. He also co-authored The PAYTECH Book, published in 2020.