Nilixa is an experienced regulatory expert with over 20 years of banking and payments experience who has worked with industry, regulators and legislators to drive changes in the payments ecosystem for a payments landscape that is secure, transparent and inclusive. Nilixa is a well known public speaker and Head of Regulatory at the UK Open Banking Implementation Entity. Prior to this Nilixa was at the Financial Conduct Authority as the policy lead on all UK and EU payments-related matters working with HM Treasury on the negotiation and transposition of PSD2. During her time at the FCA Nilixa was seconded to the European Banking Authority and has worked also extensively with the European Commission, the European Central Bank, the World Bank and EU regulators. Prior to joining the FCA Nilixa was Senior Legal Counsel at Barclays supporting various business units including receivables and trade finance; retail mortgages and cash management.