Dan joined the PSR in January 2024 as its head of strategy and intelligence.

Prior to this, he was the director of rail strategy and analysis at the Department for Transport (DfT), having previously worked at the Competition and Markets Authority – where, amongst other things, he led projects into various aspects of financial services.

At the DfT, Dan led a broad range of strategy, analysis, and innovation projects across rail – delivering positive outcomes at a time of massive change and challenge – particularly as rail responded to Brexit and the Covid pandemic. This ranged from leading delivery of major rail funding decisions, through to rail regulatory strategy and supporting international rail.

Appointed in September 2018 Global Head of Commercial Cards Sales at BNP Paribas, leading the Sales and Account Management team in Europe. Prior to this role, Karim was Vice President of the Global Clients Group team in Europe at American Express. He started his career at American Express in 1992 straight after graduation where he held several roles in Marketing and Key Account Management in Germany, in the UK and in France. Karim holds a Diplom-Kaufmann (MBA) from the Johannes-Gutenberg University in Mainz, Germany. He also holds a Specialised Master in “Consulting & Coaching for Change” from HEC Paris and Saïd Business School, Oxford University. Karim is actively engaged in change management, diversity & inclusion.

Brian Tomkins is managing director, global head of commercial cards for HSBC’s Global payments solutions business. He leads the business, strategy, product development, and commercialisation for the full suite of Card products and solutions and has been with HSBC for 10 years. Prior to joining HSBC, Brian spent 15 years at Citi, where he held various senior roles in Europe and the U.S.

Kate has worked on country risk across a variety of geographic regions for over 20 years. She currently covers Europe but also has extensive experience in Latin America and the Middle East & Africa. She manages the EIU’s Financial Risk services for Europe, producing sovereign credit ratings and assessing how political and economic risk affect creditworthiness. She has a wealth of external-facing experience, ranging from client presentations, conference work and ambassadorial briefings. She also writes regularly for The Economist, the International Institute for Strategic Studies (IISS) and the Huffington Post, among others. She has edited several of the books in the ‘Economist Guides’ series.

Strategy consulting and M&A advisory for payments has been Frank’s career since 1996 when he joined the boutique firm First Annapolis Consulting, Inc. (“FA”) where he focused on card strategy, launch, and optimization for networks, national & regional financial institutions, technology companies, and private equity firms in the U.S., Canada, Europe, and Latin America.  Following the acquisition of FA in 2017, Frank continued as a Managing Director within Accenture Strategy on the payments team.  Windward Strategy, Inc. was founded by him in 2020 to provide strategy consulting with a focus on B2B payments.

Simon has over 30 years of experience in finance, treasury and transaction banking across both developed and emerging markets. Simon was previously Chief Customer Officer at ClearBank and lead the client management, product & marketing teams at the UK’s first cloud based infrastructure clearing bank.

Prior to joining ClearBank in 2019, Simon spent over 20 years at JPMorgan. During his time at the bank, he was responsible for treasury solutions in EMEA, supporting clients around the world. He was also Head of Corporate Sales in EMEA from 2012 to 2015 and Asia Regional Executive for Treasury Services from 2006 to 2010, based in Hong Kong.

Simon is actively involved in UK FinTech as a Mentor for TechStars Accelerator programme.

David has over 25 years’ experience in the payments industry and was previously with a major UK Commercial Card issuer before being asked to join Visa Europe. He held a series of senior leadership positions including Head of Commercial Card Products, Head of Government Services, Head of European Market Development and Regulatory Workstream leader. David established PaySavi in 2018 to develop payment optimisation solutions for scheme, issuer, fintech and business association clients in EMEA, North America and Asia Pacific. PaySavi is also an approved supplier of Payment Consultancy Services to UK Government organisations. Since 2021, David has been working with Hi55, a new platform financing the payroll of any employer, whilst paying their staff sooner, and is currently Head of Cards & Payments.

Patrick is senior advisor at Arthur Dr. Little managing consulting firm. He also active as business angel, board member and investor in travel & payment start-ups. Patrick was CEO at Lufthansa AirPlus where he headed their global expansion strategy and developed AirPlus into one of the leading commercial card issuers. Earlier he led Visa Germany, and was SVP consumer marketing at Commerzbank. In his career he worked in the USA, UK and Germany, several times in start/scale-ups. He holds a Master of economics degree of Hamburg University. 2017 Patrick was named one of the ‘25 most influential’ by Business travel news. Currently Patrick volunteers for VDR, the German business travel association. He leads their task force ‘restart business travel’.

Greg Toussaint is a director in the Paris office with Greg 15 years of consulting experience with EDC in business strategy for clients in Asia, Europe, North and South America. Grégoire has worked in EDC London’s, Sydney’s and Paris’ offices and developed global perspectives on payments.

Within EDC, Greg leads EDC’s B2B payments practice and has developed specific expertise in retail and travel payments, working for all actors in the payments value chain (e.g. central banks, issuers, acquirers, payment schemes, merchants and payment providers). Outside of work, Greg plays the saxophone and loves baking cakes.

Lucy is Senior vice president of Visa Commercial Solutions Europe. She is responsible for establishing and executing the strategy for Visa’s Europe commercial business, working closely with issuers, acquirers, technology partners and emerging providers to provide innovative solutions.

Prior to joining Visa, Lucy was a managing director at Barclays responsible for Fintech Banking in Europe. Prior to Barclays, Lucy worked as global head of fintech banking at Standard Chartered in London, and previously in New York at J.P. Morgan. Lucy has deep experience advancing strategic payments and fintech innovation. She’s led banking, sales, digital solutioning and partnerships teams to deliver strong commercial results across corporate finance, transaction banking, treasury management and financial markets.

Rene Stynen joined Boost Payment Solutions in 2006 to help build its business in EMEA, APAC and LAC, and currently serves as Head of business development for EMEA. Rene has 30 years of experience in commercial payments this year, starting out initially with Diners Club International, and prior to Boost having served in various roles at Citibank, as Head of large market & public sector products at Mastercard Europe, and as senior consultant at Paytech Group.

Spencer Hanlon (52) is the chief operating officer of Nium, a rapidly scaling FinTech unicorn leader in cross border payments. He has been with Nium for the  past four years, after coming to the business via the 2021 acquisition of Ixaris (a travel payments focused Virtual Credit Card Issuer) by Nium, where he was the chairman.

Prior to Ixaris, Spencer was managing director & chief operating officer of AirPlus  International GmbH, one of Europe’s largest corporate credit card providers serving customers globally in over 60+ markets.

Spencer began his career at British Airways in a majority of overseas commercial  management roles. A qualified management accountant (CIMA), Spencer studied  at the University of Newcastle in the United Kingdom, is married with two  children and lives in the UK, just outside of London.

With 17 years of experience in payments and strategy, Alessandro Figueroa is a recognised industry expert. In his current role as ‘Head of B2B partnerships & emerging segments’, at Visa, Alessandro plays a crucial role in shaping the direction of the European business, accelerating innovation, and ensuring clients are provided with the best value the B2B payments ecosystem has to offer. Prior to joining Visa, Alessandro worked as a strategy consultant and played key roles in proposition development and digital transformation within the banking industry.

Mads Krumhard Enggren, who holds a Graduate Diploma in Business Administration from Copenhagen Business School, has 28 years of experience in the banking and credit card industry. After joining SEB Kort in 2009, Mads has held various positions in top management, sales and product development. In 2018, he was appointed CEO of SEB Kort after seven years as Head of Corporate Segment, where he led sales activities and product development for corporate clients. Mads joined AirPlus International GmbH as CEO in August 2024 following the acquisition of AirPlus International GmbH by SEB Kort.

Jill leads Visa’s European SMB team, working closely with banks, fintechs, ISVs etc to bring innovative solutions to Europe’s small businesses. Jill has been at Visa for 8 years, working in product strategy and sales across commercial payments. Before joining Visa, Jill worked in corporate strategy the insurance and banking sectors.

Clive joined Visa in 2018 to lead the travel segment for Visa commercial solutions in Europe, owning all travel-related issuer products. He is now head of Large & Middle Market segment across Europe responsible for Travel and B2B payment products, go to market & Pan European sales. Prior to Visa, he has more than 15 years of experience in the business travel industry, including 8 years at Carlson Wagonlit Travel (CWT) where he was responsible for CWT’s card product portfolio, managing the relationships with the banks and networks that clients use, and delivering card products and services to ensure a smooth payment process for travel booked via CWT.

Eric is a B2B entrepreneur and digital pioneer with 15+ years of experience in building innovative software solutions. Currently, he’s CEO of 1-CP (1-Click-Procurement), an enterprise SaaS start-up he bootstrapped with his co-founder Alabbas. 1-CP is the “Corporate PayPal,” streamlining B2B purchasing by integrating corporate profile, payment, reporting, and expense tools into B2C merchant channels – enabling seamless, direct employee purchases without complicated processes or costly intermediaries. With a focus on the business travel space, Eric’s on a mission to bring B2C convenience to the world of B2B transactions.

Previously, Eric founded and successfully exited Acomodeo, a leading serviced apartment platform. Having raised over €10M in funding, he scaled Acomodeo to become the exclusive supplier for 40+ global corporations and forged partnerships with industry giants like SAP Concur, Amadeus, and Booking.com.

Eric also brings experience in media, telecom, and consulting, including interim CTO/CPO roles in hospitality, payment, and enterprise companies. He holds degrees in Digital Innovation Management / Music Business (Mannheim) and a Master in Digital Pioneering (Friedrichshafen/Cambridge University).