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Nilixa is an independent consultant, experienced 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 . More recently Nilixa has been working 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 eIDAS certificates. Prior to joining the FCA from Barclays in house legal team Nilixa supported various Barclays business units including receivables and trade finance; retail mortgages and cash management.