Chairman of the Board

Craig James

CEO, Neopay

Craig is the CEO of Neopay, a market leading provider of compliance solutions to e-money institutions, payment institutions and related industries.

Over the past 17 years, Craig’s passion for practical regulation, which works for both the industry and consumers, has made him one of the most respected experts in the regulation of electronic money and payment institutions. He is one of the few leading authorities in this sector who has worked with a range of regulators and governmental bodies, within the UK and EU, to help inform and shape regulation for this and other linked industries. Craig’s primary concern, though, is his partnership with clients. He supports a wide range of organisations on a variety of projects. These include supporting many prepaid card schemes, including partnering in the development and release of one of the largest prepaid schemes in the UK, providing guidance to a global telecoms company on a significant diversification programme, and supporting a number of electronic money issuers and payment institutions to enable them to successfully expand into the UK.

Prior to founding Neopay, Craig held Compliance Director, Non-Executive Director and MLRO positions for a number of successful organisations. He believes that knowing regulation is not enough, and ensures that all of Neopay’s experts have a sound background in business and the effective application and integration of regulation in the real world. He also insists that they are all strong communicators, able to transfer their knowledge and understanding to clients. His talent for engaging others in this sometimes dry arena has made him a popular speaker at industry events and has given him the opportunity to provide industry feedback and training to a number of regulators within the EU, including the FCA. Craig was elected as Chairman of Prepaid International Forum in February 2014.


Sunaina Atkar

SVP Business Development, IDT Financial Services

Sunaina Atkar is the Senior Vice President of Business Development at IDT Financial Services. IDT Financial Services is a regulated bank and principle member of both MasterCard Worldwide and Visa Europe. The core focus is on the issuance of prepaid instruments across the European Economic Area.

Sunaina’s most notable experience comes from the Financial Services Industry, where her enthusiasm and unrivaled expertise allow her to generate new business, expand existing client portfolios and build relationships with 3rd parties that contribute to the prepaid value chain.

Friendly and approachable, Sunaina likes to apply her Prepaid knowledge to seek bespoke solutions to strategic issues in a wide variety of sectors. She also holds a BSc (Hons) in Economics from the University of Birmingham.

Julian Brand

Chief Legal & Compliance Officer, PrePay Solutions

Julian joined PPS in 2014 as Chief Legal and Compliance Officer, Company Secretary and MLRO.

A UK qualified lawyer, Julian has worked in-house in the payments and financial services industry for over 15 years. In his current role Julian is responsible for the company’s interrelated corporate governance functions of Security, Compliance, Risk Management, Financial Crime prevention and Legal.

Diane Brocklebank

Commercial Director, Prepaid International Forum

Diane has played a pivotal role in the development of PIF since its launch in 2007.

She joined the company in 2010 as Head of Member Relations and later moved into the role of Commercial Director, responsible for maintaining and developing the strength of PIF’s offer to its members and prospective members.

Using her skills as a business development and event management professional combined with almost a decade of prepaid industry experience, Diane leads member services delivery, membership recruitment and marketing. She also oversees PIF’s relationships with national and international partners, affiliate organisations and the media.

In 2016 Diane was among 29 payments industry professionals shortlisted for The Payments Power 10, an annual award to recognise the top ten contributors to the global payments industry.

Declan Byrne

Managing Director - UK, GVS Prepaid/One4all

Declan Byrne joined the PIF board in May 2015. He is Chairman of the organisation‘s PR and PA Committee which is responsible for the development of the organisation’s public messaging programmes and in particular promoting the prepaid brand from an industry perspective.

Declan’s day job is as UK Managing Director of One4all and managing director of GVS Prepaid Ltd. Declan is a prepaid financial services veteran having spent the past 20 years working in the prepaid mobile, money transfer, GPR Card, Prepaid Budget and Gift Card spaces. He spent 23 years with An Post, the Irish Post office, before working with FEXCO and then consulting in the payments industry. Since 2010 he has worked in his current role with the One4all Group and is currently leading their development as an e-money issuing institution.

Darren Deal

Head of Prepaid, UK&I, Mastercard

Darren Deal is Head of Prepaid for the UK&I at Mastercard. He has over 28 years’ experience in the payments industry having spent 10 years at the world’s largest processor First Data gaining a deep understanding of the processing industry; 2 years as Manager Card Services for the Co-operative Bank and the past 16 years at Mastercard.

During his time at Mastercard Darren has held various positions including managing supplier relationships for Mondex; providing operational and technical support to banks such as Barclays, HBOS, Lloyds, Danske and Bank of Ireland and for the past 6 years involved in Prepaid.

Darren is leading the team to a market leading brand position in the Prepaid vertical with a customer focused approach and willingness to bring alternative thinking to the challenges the prepaid vertical has and is facing.

Darren has a proven track record in driving results. Commercially minded with strong client relationship focus and a strong understanding and knowledge of the industry.

Chris Ellis

Director, Bowsprit International

Chris has been closely involved in the emergence and evolution of open loop prepaid payment cards in Europe from the very earliest days to the present. Participating in the launch and support of a wide spectrum of prepaid products, initially from a processing perspective in the UK and Europe with FIS, Chris, as VP Sales and subsequently President, Europe for Yalamanchili, ultimately fulfilling business in countries across Europe, Africa, Middle East, North & South America and Asia. The experience of numerous propositions, limitations, solutions and the markets themselves has lent Chris a broad perspective on prepaid and the challenges to be overcome.

Most recently as Director of Bowsprit International, as well as working with those already present in the market, Chris has been more closely involved in guiding and supporting programme managers entering the prepaid market, in launching with innovative products, advising on the most appropriate partners for specific requirements and reviewing strategy as their propositions mature. Chris also has a particular interest and involvement in the area of youth and financial education, participating in industry initiatives to establish international guidelines for issuers of youth products and to improve the management of age verification for online payments in the context of age-restricted products.

Dr Hartwig Gerhartinger

Vice President Group Regulatory & Governmental Affairs, Paysafe Group

Dr. Hartwig Gerhartinger serves as Vice President Group Regulatory & Governmental Affairs at Paysafe Group, a leading global payment provider, listed at the FTSE 250 (PAYS.L). Paysafe offers merchants acquiring and payment gateway services, as well as acting as a BIN sponsor for a wide variety of prepaid card programmes. Consumers use the NETELLER, NET+® Card, Skrill and Skrill Card stored-value offerings and the paysafecard prepaid solutions.

In his role, Hartwig advises the business on all regulatory matters as well as upcoming changes to regulatory requirements and defines possible strategies for Paysafe to respond to those changes in the fields of financial regulation, AML and gambling regulation. He also chairs Paysafe’s Regulatory Committee. In addition to that, Hartwig is responsible for governmental affairs at Paysafe, representing Paysafe with law-makers and regulatory authorities around the world.

Hartwig is a dedicated industry professional and an expert in payment services law and e-money regulation as well as anti-money laundering legislation. Since 2013, Hartwig has chaired the PIF AML Working Group, focusing on the 4th Anti-Money Laundering Directive (4AMLD) and its impact on the prepaid industry and the recent developments on its revision at European level. Further to this, Hartwig is a member of the EU Payment Systems Market Expert Group (PSMEG) advising the European Commission in the area of payments (DG FISMA).

Hartwig holds a doctoral degree in law. He is guest lecturer for e-payments law at the Danube University of Krems, author and co-author of numerous publications in the fields of e-money and payment services law and is also a requested speaker on the AML legislation. He worked as Assistant Professor at universities in Austria and Germany, prior to joining Paysafe in 2012.

Siobhan Moore

Senior Associate, Locke Lord LLP

Siobhan Moore is a commercial lawyer in Locke Lord’s Cards and Payments Team.

She leads clients with niche payment solutions through the financial regulatory maze. Clients may be new to the payment services sector, seek counsel on product or business developments or want to ensure their contractual structures protect their business from the outset and as their business evolves.

Siobhan works with retailers, mobile phone operators, financial institutions, e-money issuers, programme managers and resellers to bring their products to market. She liaises with regulators, drafts and reviews B2B/B2C agreements, advises on product structure and business strategy and runs workshops.

Peter Sidenius

Managing Director, Edgar, Dunn & Company

Peter Sidenius is in charge of EDC’s European practice and is based at EDC’s London office. He has over twenty-three years of global consulting and industry experience in the financial services industry with wide geographic experience across European, North American, Middle Eastern and African markets. He has delivered strategic consultancy assignments within the physical and e-business arena of financial services, providing strategic payment service analysis, profitability analysis, operational reviews, new product development, benchmarking studies and providing regulatory advice for industry leading clients. Clients include international payment schemes, national banks, financial services organisations, global private equity firms and national associations.

Peter is a regular conference speaker and Chairman at events concerning the cards and payments business and customer profitability/value management across Europe and beyond.

He holds a Master of Science from Denmark’s Technical University and a Masters of Philosophy in Management Studies from Oxford University.

Mike Smith

Commercial Director, Raphaels Bank

Mike is a Board Director at Raphaels Bank where he is responsible for the Card Services Division, which he has grown from scratch to being the UK’s pre-eminent Bank Sponsor provider of Visa and MasterCard prepaid card programmes across Europe.

Mike joined the Lenlyn Group including Raphaels Bank and International Currency Exchange as Group Director of Marketing and Strategy in November 2005. He is also responsible for the Bank’s ATM estate which he launched in 2007 and which now has 200 highly profitable multi-currency machines.

Previously Mike was Head of Marketing in the Post Office’s Financial Services joint venture with Bank of Ireland, from its launch, moving there from Head of Banking at the Post Office where he helped launch the Universal Banking project.

Mike held several senior positions at NatWest over 18 years, including Head of Personal Customer Marketing for the Retail Bank and Head of Sales in Cards and Current Account Senior Product Manager.