Melissa Pentecost-Daley

I am a Knowledge Manager for the Financial Regulation team, with a focus on supporting our International Payments team.

With extensive experience in payments regulation, I have worked in compliance for a mobile telecoms company and have supported payments companies and stakeholders within the payments ecosystem. My expertise spans various legal changes, including payment schemes, payment service providers, e-money services, processors, gateways, e-commerce platforms, and banks.

In my role as Knowledge Manager, I provide our clients and colleagues with up-to-date regulatory intelligence in the payments sector.

I specialise in developments surrounding payment service regulation, such as the Payment Services Directive (PSD2) in Europe and the Payment Services Regulations 2017 (PSRs) in the UK. My expertise also extends to consumer credit/buy-now-pay-later, cryptoasset, and anti-money laundering regulations.

Leveraging my experience, I assist the Financial Regulation team with diverse queries from the firms we service, including precedent work, publications, and training. My ability to distill complex information into concise and clear insights ensures that key takeaways are effectively communicated to our team and clients, fostering long-lasting relationships.
I am passionate about payments regulation and the rapidly evolving technology that drives it. I closely follow emerging areas such as distributed ledger technology (DLT), artificial intelligence (AI), and Big Data, which keep my interest alive.