Dr Dirk Haubrich is Head of Consumer Protection, Financial Innovation and Payments at the European Banking Authority (EBA), London. The EBA regulates credit institutions, payment services providers, electronic money providers and other financial institutions across the 28 Member States of the EU. Dirk leads on the EBA’s work on payment services (including the EBA Guidelines on the security of internet payments; the mandates in the Payment Services Directive 2; and the Interchange Fee Regulation); consumer protection (including mortgages, personal loans, and payment accounts); as well as on the monitoring of financial innovation (which includes virtual currencies, crowdfunding, and automation in financial advice). Previously, Dirk held roles across the private, academic and public sectors: he was a Manager with consulting firm Accenture; Research Fellow at University College London and the University of Oxford; Policy Adviser with the UK Prime Minister’s Strategy Unit; Research & Strategy Manager at the UK Electoral Commission; and Project Manager at the UK Financial Services Authority.