Nilixa is an experienced regulatory expert 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 know 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 EU payments related matters and in particular the negotiation and transposition of PSD2 . Nilixa has worked with the EBA, ECB, European Commission and EU regulators, publishing the EBA Consultation on the Guidelines for an exemption under the RTS and leading work on PSD2 eIDAS certificates. Prior to joining the FCA from Barclays in house legal team.