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Colin Payne
Head of Innovation
Financial Conduct Authority (FCA)
View LinkedIn profileColin Payne is a distinguished leader in financial innovation, currently serving as the Head of Innovation at the Financial Conduct Authority (FCA) and Chair of the Global Financial Innovation Network (GFIN) convening over 90 national regulators to build a powerful, collaborative network.
In these roles, he spearheads strategic initiatives to foster growth through responsible innovation, such as the newly launched AI Lab, Sandboxes and TechSprint Programme.
Before joining the FCA, Colin was the Senior Director at PwC, where he delivered programs across the GCC, including national payment strategies and digital asset initiatives with Central Banks in the region.
He has also held Partner and EVP positions at EY and Capgemini with an early tenure at Apple working with Steve Jobs.
With over 30 years at the forefront of technology and change, Colin has built an award-winning portfolio designing and deploying world-class innovation.
He has held honorary positions at Kings College and Middlesex University.
Speaking at SFF 2026
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1:00–1:30pmThu 19 NovPolicy StageHall 3, Singapore EXPOOpen
Policy Rewiring
The Agentic Enterprise: Accountability and Containment When the Machine Decides
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Alan LimDirector & Head, Financial Infrastructure & Artificial Intelligence OfficeMonetary Authority of Singapore
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Casey KlyszeikoExecutive Vice President, Global Merchant & Network Services ProductAmerican Express
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Colin PayneHead of InnovationFinancial Conduct Authority (FCA)
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Richard TongCo-founder & Chief Executive OfficerTotal Neural Enterprises
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Irene LiuManaging Director, Risk & Compliance Lead for Southeast AsiaAccentureModerator
About this session
Agentic AI has moved from pilots to systems that touch real credit decisions, real client money and real compliance rules, and the institutions getting the governance right this year are setting the ceiling for the next decade. This session examines where accountability sits once an agent, not a person, initiates the action, across risk, audit and reporting lines — and then confronts the scenario most institutions would rather not discuss: what actually happens in the moments after an agent goes wrong.
An agent doesn't take a coffee break. When it fails, it can fail at machine speed, across every transaction it touches, before a human even notices. So the real test isn't whether agents fail, but how fast an institution can contain them when they do, and who is authorised to make that call. This discussion moves from the accountability question to the operational one: what real-time containment looks like in practice, where autonomous systems are most likely to break, and how to build the kill switches and safeguards that limit the blast radius before autonomy is extended any further.
Attendees leave with a sharper view of the controls that need to exist before autonomy is extended further. One of the key questions the panel will look to dive deeper into: Who is accountable when an autonomous agent makes a bad call, moves client money, or silently breaks a compliance rule? -
