Steven joined the PSR in September 2019 as a Payments Technical Specialist. He provides
expert insight and guidance on a range of projects, supporting our objectives of promoting
competition, innovation, and the interests of the people and organisations who use payment
Steven has a wealth of knowledge and experience in cards, payments and banking, with over 19
years’ experience in the industry. Before joining the PSR, Steven was lead Principal Payments
Consultant at Huntswood. He had previously held senior payments-related roles at Barclays
Bank, MasterCard, TSYS International, Lloyds Banking Group and Nationwide Building Society.
His areas of expertise include card payments (merchant acquiring and issuing), payments
operations and strategy, PSD2/Open Banking, Wire Transfer Regulation, Strong Customer
Authentication, FCA authorisation and application, payments risk and compliance, regulatory
management, and UK and European payments legislation.
Between October 2017 and December 2018 Steven supported the Open Banking
Implementation Entity (OBIE), leading and advising on its delivery of a dispute management
system for the new Open Banking ecosystem.
Between 2016 and 2017 Steven was Business Owner and Compliance Lead for the PSD2
Delivery Project at Nationwide Building Society, and represented Nationwide on the Open
Banking Steering Committee during its set up stage.
At Lloyds, Steven was Compliance and Regulatory lead for its Card Acquiring and Commercial
Cards business, with responsibility for scheme engagement and compliance, PCI DSS,
regulatory analysis and delivery.
Steven has in-depth knowledge of payment operations in the UK and internationally. He’s worked
extensively with multi-currency solutions and systems, and has been involved in many new
payments deliverables across Europe.