John Burns has almost 50 years experience in retail banking and payments. He worked on the PSD from it being a Commission proposal, through the negotiations, as a member of the EPC experts group and the Commission’s Payment Systems Market Experts Group. John joined the FSA in June 2008 to see the implementation of the directive into UK law through and assist in the FSA’s implementation process.  This included being the first editor of the Approach Document and the author of the conduct of business and safeguarding chapters.

He later worked as Senior Manager, Compliance Advisory in Global Transaction Banking in Lloyds Bank, advising on major migration project and introduction of new corporate online banking system while acting as subject matter expert on payments.

Moving to Compliancy Services (now Cosegic) he advised clients ranging from Small Payment Institutions, through E-Money Institutions and banks, winning  “Best Compliance Consultant” in November 2019 and the Hall of Fame – Lifetime Achievement Award in 2023 at the Compliance Register Platinum Awards.

John is currently a Non Executive Director at two E-Money Institutions.