Heather has extensive experience interpreting the payment services and e-money regulations for a broad range of new, and old, payment models. She has had a particular focus on the electronic communications exclusion, payment initiation services, and account information services, further strengthening fscom’s expertise in this area. 

She has expertise from the professional services sector, specifically in compliance consultancy, where she was the driving force in building a payments and financial crime practice focused on supporting payment and e-money institutions with their regulatory needs under the Financial Conduct Authority (FCA). 

Heather has successfully led various client projects, including safeguarding auditing, risk assessment implementation, supporting firms through regulatory enforcement action, and assisting with authorisation processes. Her expertise has enabled her to provide valuable advice and practical assistance to clients, even in the most complex cases.