Portrait of Reinder Van Dijk

Reinder Van Dijk : Associé

Working with Reinder and the team was a pleasure; beyond the professionalism and expertise, they were easy going, engaging, supportive and fun!

Peter Connor, CEO Healthcode

Reinder leads Oxera’s work in the financial services sector. He has more than 20 years of professional experience in applying economics in the context of competition and market investigations, mergers and acquisitions, design of regulation, regulatory and supervisory investigations (including Section 166 reviews), and litigation cases. He has advised major retail and investment banks, lenders, insurers, stock exchanges, payment system companies, fund managers, and distributors.

He advises banks, lenders and insurers on the design of retail and SME products and conduct risk management. He worked with insurers in the UK to develop a new and innovative model for the private provision of flood insurance (www.floodre.co.uk).

Reinder has also advised regulatory authorities on the design of regulatory regimes, methodologies for supervision, market studies and thematic reviews. He has worked with authorities and public bodies such as the European Commission and EIOPA, as well as the relevant regulatory authorities in financial services at national level (such as the Financial Conduct Authority, the Prudential Regulation Authority, and supervisory authorities in Germany and Italy), government departments in Europe, and various regulatory authorities outside Europe, such as the Securities and Exchange Commission of Brazil and the Securities Commission Malaysia.

He regularly delivers seminars and training courses to regulatory authorities, government departments, financial services companies, and law firms on topics such as behavioural economics, the economics of regulation, ‘Consumer Duty’, and capital markets.

Before joining Oxera in April 2001, he worked as an economist at the Netherlands Central Bank and the Mexican Federal Competition Commission.

Reinder speaks English, Dutch, and Spanish.

Tel: +44 (0) 20 7776 6614

Reinder's specialisms include:

professional experience

  • Advised various banks and insurers, including HSBC, Barclays, Lloyds Banking Group, Natwest, Nationwide Building Society, Santander in Spain, AIB in Ireland, Aegon, Aviva, Direct Line Group, BGL, Bupa, the AA, British Gas Insurance, and Zurich Financial Services

  • Advised on major market investigations in FS including the CMA and FCA investigations into retail and SME banking, payment protection insurance, extended warranties, motor insurance, short-term lending, credit cards, mortgages, investment consultants, and investment and corporate banking

  • Advised on various high-profile competition investigations in the FS sector, including investigations into Credit Default Swaps, Foreign Exchange, LIBOR, aviation insurance, interchange fees for credit cards (advising MasterCard), information sharing cases in motor finance (Italy), insurance (the ‘What-If’ case in the UK), decennial insurance (advising Swiss Re), and information sharing in an IPO (UK)

  • Advised banks, lenders and insurers on conduct risk, product design, and FCA supervisory reviews and enforcement cases

  • Advised investment banks such as UBS, Morgan Stanley, and HSBC, as well as trade body AFME, on the trading landscape in Europe and the impact of a financial transaction tax

  • Advised financial market infrastructure providers such as Deutsche Borse, Euronext Nasdaq, Swiss Stock Exchange, ICE, Budapest Stock Exchange, B3 in Brazil, DTCC in the USA, the Singapore Stock Exchange, ASX in Australia, and EuroCCP on regulatory and competition issues

expert experience

  • Internalisation of retail flow – presented to the SEC of Brazil (on behalf of B3) (2021)

  • Unbundling of trade execution and research – presented to DG FISMA (on behalf of European brokerage firms) (2020)

  • FCA enforcement case (mis-selling) – advised a major subprime lender (2018)

  • Investigation into payday lending – evidence presented to the FCA and CMA (on behalf of Enova) (2013)


  • Van Dijk, R. Bell, J, (2019), ‘The changing competitive landscape for retail payments’, Politico, May.

  • Van Dijk, R., and Niels, G., Fields, L. (2013), ‘Behavioural economics and its impact on competition policy: A practical assessment’, Competition Law Journal, 12:3, pp. 374–84.

  • Van Dijk, R and Kavanagh, J. (2012), ‘LIBOR damages: key emerging issues’ CDR, October.

  • Van Dijk, R. and Correia da Silva, L. (2012), ‘Competition: the costs and benefits, Financial Times, 2 October.

  • Van Dijk, R. and Bell, L. (2012), ‘Thanks for Sharing: Can Exchanging Information be Good for Competition?’, Competition Law Journal, 11:1, pp. 77–81.



  • BSc and MSc Economics, Erasmus University Rotterdam, the Netherlands

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