Paul Horlock is currently the Chief Payments Officer of Santander UK and is responsible for creating a single UK Payments team operating across the business and working alongside the European region as part of One Santander. He is also engaging with the development of the global Payments strategy for the Santander group.

Paul brings 20 years’ experience in the payments sector to Santander UK. His most recent position was of Chief Executive of Pay.UK, which he joined at their inception in October 2017 to bring together Faster Payments, Bacs and Cheques into a new UK Domestic scheme serving the retail and commercial banking market. Prior to this, Paul held senior positions at Nationwide as Director Payments; leading work in the Payments Strategy Forum and Open Banking and formerly at Barclays as Head of Global Payment Processing.