Nicholas is a recognised payments and regulatory subject matter expert with over 12 years’ experience in policy development, regulatory implementation and supervision. He has held a variety of roles at the FCA and within the industry, leading the development and implementation of PSD2, Open Banking, and Strong Customer Authentication. In his career to date, Nicholas has worked as a payments regulatory Technical Specialist helping to stand up the FCA’s dedicated payments and e-money supervision function, led the FCA’s Payments Policy Team through the covid crisis, and overseen the FCA’s supervision of c.400 e-money institutions. In his current role, Nicholas is accountable for the FCA’s Fixed Firm supervision of the largest and highest-profile firms in the payments and e-money sector.