John assists Banks, Payment Institutions and E-money Institutions manage their compliance and plan their future commercial strategies in the light of changing regulations, and has unparalleled experience of relevant payments legislation and regulation.
John has been involved in payments for over 35 years, at all levels. Immediately before joining Compliancy Services, John was Senior Manager, Compliance Advisory, for Global Transaction Banking at Lloyds Bank where he also acted as subject matter expert on payments. Prior to that he was the FSA’s Technical Specialist on Payments, dealing with the UK implementation of the Payment Services Directive and the 2nd E-Money Directive.
He was the first editor of the FSA’s PSR Approach Document, drafting the conduct and safeguarding chapters, and assisted with the development of PERG 15 in the Handbook, as well as assisting HM Treasury with the drafting of the UK legislation on both the PSD and the 2nd E-Money Directive.
At EU level he was a member of the European Commission’s Payments Committee, the ECB’s Forum on the Security of Retail Payments (SecuRe Pay, where he chaired one of the sub-groups) and the EBA’s Standing Committee on Consumer Protection and Financial Innovation.