Retail Banking conduct risk and payment specialist, Helene has worked for 7 years at the UK FSA/FCA in a variety of roles, from conduct risk thematic and direct firm supervision to competition, before moving to the EBA in September 2016. Since joining, her focus has been on policy and supervision, including consumer protection in retail banking and payment services, payment security and payment fraud, access to payment and PSD2 more generally. Helene holds a PhD in Law and started in academia as a lecturer before moving to a compliance role in the industry and joining the UK financial services regulator.