Portrait of Vanessa Pham

Dr Vanessa Pham : Senior Consultant

Vanessa is a member of Oxera’s Financial Services and Analytics teams. Her work in the financial services sector includes advising banks and payment services providers in market investigations, merger reviews and abuse of dominance investigations led by the UK Competition and Markets Authority (CMA) and the European Commission. She has led a number of works in the design and functioning of equity markets, including a study for the European Commission on the primary and secondary equity markets.

Vanessa has also worked as Principal Economist for the Australian Competition and Consumer Commission, advising on banking mergers, market inquiry into the retail deposit products, and several reports for the Digital Platform Services Inquiry.

Prior to joining Oxera, Vanessa worked as a competition economist at the UK Financial Conduct Authority, leading the economic analysis for multiple market studies including the Investment Platforms and General Insurance Pricing Practices market studies.

Vanessa has a PhD in Economics from Indiana University, USA, focusing on microeconometrics, industrial organisation and finance. She has also previously taught microeconomics and game theory at undergraduate level at Indiana University Bloomington.

Vanessa speaks English.

Tel: +44 (0) 20 7776 6659

Vanessa's specialisms include:

Selected
professional experience

  • Advising a global payments card scheme in responding to the Payment Services Regulator’s market review into cross-border interchange fee (2025–)

  • Leading a global price benchmarking study of clearing and settlement services for the Australian Securities Exchange (2025)

  • Advised a large automotive manufacturer on its online distribution strategy and commercial arrangements for its dealer network (2022)

  • Analysed the impact of the FCA ban on price discrimination in general insurance markets (2021)

  • Led the study on primary and secondary equity markets in the EU for the European Commission (2020)

  • Advised a global payments card scheme in responding to the European Commission Statement of Objections under Article 101 TFEU (2017)

Selected
publications

  • Jenkinson, T., Pham, V and Van Dijk, R. (2024), ‘Assessing information exchange among competitors in financial services markets’, Competition Law Journal, 23:2, November. Winner of the Concurrences Antitrust Writing Awards, in the General Economics category, 2005

Qualifications

  • PhD Economics, Indiana University Bloomington, USA

  • MA Economics, Indiana University Bloomington, USA

  • BA Economics, Hanover College, USA

Latest Insights:  Dr Vanessa Pham

Network on the Green

Join us for an exclusive summer evening at Swingers Crazy Golf, curated for legal professionals below Partner or KC level. Whether you’re a pro mini-golfer or a first timer, it’s a perfect opportunity to step away from the office for an evening of competition and fun. There’ll be delicious street… Read More

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