Paul Horlock, Chief Payments Officer at Santander UK, oversees a unified UK Payments team collaborating with the European region under One Santander. With 20 years in the payments sector, he previously served as Chief Executive of Pay.UK, integrating Faster Payments, Bacs, and Cheques into a new UK Domestic scheme. Prior roles include Director Payments at Nationwide and Head of Global Payment Processing at Barclays.