Kristine Erta is a Senior Associate at the UK’s Financial Conduct Authority where she works in the newly established Competition Department. She works primarily on competition market studies, which establish whether competition in a market is working in the interests of consumers, and if not, consider and implement remedies, including behavioural “nudges”. Before joining the Competition Department, Kristine worked in the FCA’s Chief Economist’s Department where she provided economic advice on a wide range of prudential and consumer protection policy issues. Kristine co-authored FCA’s first Occasional Paper called “Applying Behavioural Economics at the FCA”, a paper that draws on existing academic literature to set out the practical implications of behavioural economics for financial regulation. She has also provided advice on behavioural issues at the FCA and has developed and delivered training courses for the FCA’s economists and non-economists alike. Kristine holds an MSc in Economics and Philosophy from the London School of Economics.