Ali Moussavi is Head of the Bank of England’s Payments Strategy Unit. The Unit reports to the Bank’s Governors and is tasked with coordination of cross-cutting and strategic issues relating to the Bank’s work on innovation in money, payments and settlement

Prior to that, Ali worked in the Governor’s Office in the Bank, covering a range of policy and strategy issues, including financial stability, the Bank’s international work, and the regulation and supervision of the banking system.

Joerg Richter, Senior Payments Expert, Deutsche Bundesbank Joerg Richter is a senior payments expert in Deutsche Bundesbank’s Directorate General Payments and Settlement Systems. He has over 18 years of experience in the dynamic payments industry. Previously, he held the position of Marketing and Stakeholder Relations Manager at
Worldline, where he oversaw marketing strategies, contributed to the work of international industry bodies like NACHA or EBA, and played a pivotal role in shaping global industry events.

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.

Lee Gordon is the Global Head of Fraud for Commercial Cards and has been with Citi since 2010.    

Prior to joining Citi, Lee spent over 23 years working in all aspects of Cards and Retail Banking – from both inside and outside of the industry. Lee has held senior positions at HSBC, Lloyds Banking Group and Santander within the industry as well as Actimize, FICO and Finsphere in the vendor space. Lee has worked in Fraud Management for the last 30 years and has held leadership positions on all of the major Association and Industry fraud-related forums over the years and has been credited with innovating in several areas now held as industry standards.   

Lee holds the Certified Fraud Examiner (CFE) industry accreditation, was born in London and lives in the South East of the UK with his wife and 2 boys. 

Erwan is a seasoned commercial card expert with over 20 years’ experience in customer centric and leadership roles. He is passionate about delivering customer success and is highly skilled in building and leading diverse teams that drive exceptional business growth. With a strong focus on sales and revenue generation, Erwan has a proven track record of developing strategies that enhance customer operations and optimise working capital. Currently, he leads a team of regional commercial card advisors at HSBC spearheading consultations and delivery of complex card projects that leverage innovative card-based solutions.

Murat Dogruer is a seasoned product director with over two decades of experience in the financial services industry, currently leading the virtual card product offering at J.P. Morgan Payments in Dublin. With a robust career spanning 13 years at J.P. Morgan, Murat has been instrumental in driving product development and market expansion, particularly in the realm of distributed and virtual card solutions. His leadership has been pivotal in enhancing processing infrastructure and governance models, catering to clients across the European Economic Area, the US, and Canada.Before his tenure at J.P. Morgan, Murat honed his expertise at American Express, where he spent 12 years in various strategic roles. As Director of Global Product Management, he managed commercial card T&E products on a global scale, and as Director of E-Commerce Merchant Partnerships, he spearheaded initiatives that launched innovative online shopping solutions for middle-market corporate clients.Murat’s academic credentials include an MBA in Corporate Strategy & Marketing from the University of Michigan and a B.A. in Economics from Yale University. He also holds a certificate in Artificial Intelligence from MIT Sloan School of Management, underscoring his commitment to leveraging cutting-edge technology in business strategy. Murat’s career is marked by a passion for innovation and a dedication to delivering exceptional value to clients.

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 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 currently being trained to a Professional Coach. He is actively engaged in change management, diversity & inclusion topics.

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.

Sergio Ortega is responsible for BBVA pivot commercial cards solution development enabling local, regional and global enterprises to homogeneously manage the expenses made with commercial cards in BBVA footprint (Europe & LAC). Sergio has more than 15 years of experience in payments systems, first in BBVA Spain (consumer issuing, acquiring and innovation) and since 2012 in global positions focused on commercial cards. He is leading BBVA pivot commercial card solution business line development from scratch following design thinking & agile methodologies, coordinating cross-functional local, global, business & IT teams. Sergio has a Master Degree in Computer Science from Deusto University (Spain) and Aalborg University (Denmark). He also has an Executive MBA from Esade Business School (Spain).

Anant is the head of the commercial cards business for NWG and is responsible for the P&L, strategy, proposition, and end-to-end customer journey.
Anant has over 20 years of extensive experience in product development, product management, commercialisation, pricing, and innovation in the UK and abroad.

Ian Cheng is a visionary business executive with the proven track record of driving innovation and profitable growth at Fortune 500 companies across automotive, luxury retail, supply chain, semiconductors, and financial services sectors.

Currently serving as the enterprise digital strategy leader at Jaguar Land Rover, Ian is spearheading the AI, Data, Cloud, and Technology strategies, and transformation initiatives in partnership with the C-suite. By aligning technology with the company’s modernist design philosophy, Ian is driving desirability and emotional engagement with global clients. He is instrumental in shaping the company’s digital vision and priorities, overseeing a global innovation portfolio of AI, Web3, automation, connectivity, and electrification initiatives. By prioritising actionable execution and managing the end-to-end process, Ian ensures these initiatives deliver tangible business outcomes and a sustainable competitive advantage.

A passionate advocate for using technology to build a more connected and sustainable future, Ian graduated from London Business School in MBA with Distinctions, and Harvard University in Computer Science, Data Analytics.

I am a technology advisor on CBDC, data and payments. With over 25 years at the Bank of England, I have held a variety of roles in technology from application developer and test manager through to heading up the strategy and architecture function. I am currently working on the design of CBDC and the use of artificial intelligence across the bank.

David has worked in payments for over 40 years, initially in banking, then retail and now in the telecoms sector. Never at any time has the payments world been so exciting and innovative. Whilst the current payments industry can be challenging, he relishes getting involved in new technology and payment methods which can excite customers and increase revenue or reduce costs for a business.

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.

Lydie Charpin is SVP at Mastercard responsible for Corporate Travel and B2B Commercial Card product strategy and offering.  She joined Mastercard in 2022 to expand T&E, Procurement, Fleet commercial card solutions for large enterprise working closely with T&E and B2B partners, corporates and financial institutions. She is striving for innovation to reshape the future of corporate travel, spend management and B2B Account Payable flows. Lydie brings to this position +15 years of experience in the travel and spend management industry.

Max Savoie is a partner in Sidley’s Chambers- and Legal 500-ranked payments and fintech practice. He supports firms across the sector with product launches, commercial partnerships, business expansion, and regulatory implementation projects. He advises on a range of payments and fintech regulation, including:-Regulatory authorization and other requirements applicable to payment service providers and payment systems.-Rules on account-to-account payments, cards, virtual payment instruments and digital wallets, merchant acquiring, money remittance, and open banking.-Anti-money laundering, KYC, and “travel” rules.-Regulation of crypto assets and digital token services.-Conduct of business, data security, governance, operational resilience, outsourcing, regulatory capital, safeguarding, and reporting requirements.-Regulatory rules relating to corporate and restructuring transactions involving financial institutions.-Regulatory investigations and enforcement actions.Max’s key client relationships include international payment systems and infrastructure providers, card issuers, merchant acquirers, payment processors, money transmitters, online marketplaces, technical service providers, and providers of digital wallets, open banking services, and other alternative payment methods. He has advised on numerous cross-border transactions, strategic partnerships, and regulatory implementation projects for many of the largest providers in the market.Max also advises on contentious and regulatory engagement matters. He has guided a number of firms through internal and external investigations. He has also worked with several international firms and trade associations in discussions with EU and UK policymakers and regulators. Max is an active member of the Payment Association’s regulatory working group and co-editor of one of the leading practitioner’s texts in his field, “Payment Services: Law and Practice” (Elgar, 2022).

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.