Before joining MasterCard, Mr. Abrahams was VP and GM of Global Supplier Relations EMEA at American Express. He was responsible for revenues from suppliers such as British Airways, Emirates, Air France and Hilton. Earlier on, he also held the positions of VP of Client Management UK and General Manager Nordics at American Express. Prior to this, Mr. Abrahams was Head of Relationship Management at Barclays Bank, leading 100 sales people with a focus on implementing innovation, change, motivation and culture within his team. Mr. Abrahams began his career at Sainsbury’s as a Graduate Trainee Manager, rising to Deputy Store Manager and then moving to Project Management where he was accountable for the movement and banking of all Sainsbury’s physical and electronic turnover.
Since joining Citi in 2002, she has held various roles in Product Management, Sales and Operations in London and South Africa. She previously led the mobile payment strategy for the EMEA TTS business, driving business development including partnerships with technology and telecoms companies. Lola has also been a mentor on the Citi Accelerate program for Fintechs and enterprise focused startups. She holds an MBA from Judge Business School, Cambridge University.
Sam’s passion for growing a sustainable business is apparent in the excellent customer service his team delivers. He has done this at Snap by building a team that focuses first and foremost on showing advertisers how Snapchat can exceed their marketing goals. The Emerging International team currently expands across Europe, Middle East, Israel, APAC, and Canada (with offices located in Toronto, Tel-Aviv, London, Paris, Amsterdam, Sydney, Dubai, and Hamburg).
Sam joined Snap as the founding member of Snapchat’s Emerging team (formerly Global Online Sales) in 2016. First, supporting and leading the launch of the US team before shifting his focus to the international business. Prior to joining Snap, Sam worked with clients of all shapes and sizes at both Google and Facebook.
Damian lives in North London and is passionate about college football, cycling, reading, and going to the pub. Prior to moving to the UK, Damian worked as a litigation attorney at a multi-national law firm in the United States and earned degrees in engineering and law.
Becky joined UK Finance from Metro Bank where she held the role of Head of Industry Engagement and Payment Change. Prior to joining Metrobank in 2014, Becky also held senior payments roles at RBS and Coutts. Becky brings a wealth of payments experience to the organisation, along with an in-depth knowledge of compliance, industry requirements and risk policies. She is well known and respected by payments providers, regulators and consumer advocates across the payment’s community and this combination of experience and respect will prove invaluable to UK Finance going forward.
• 25+ years in financial services, payments and Fintech
• Former Co founder and CEO Omnio Group, He led the merger in 2018 with PCT & Tuxedo Money Solutions to create Omnio, a PE-backed deal resulting in a £100+ million valuation and processing over £1.5 billion per annum.
• Former Founder & CEO of Payment Cloud Technologies (PCT), a B2B digital banking and payments platform – Launched in 2008, Ian grew the business through B2B clients (e.g. FairFX, AnPost, easyJet) and strategic partners (e.g. Wirecard, Unisys, FIS) and equity investments (e.g. Travel Welfare, Change Account).
• Launched the UK’s first cloud-based digital challenger bank focussed on financial inclusion, The Change Account, in 2013.
• Set up MoneyCard 2005, one of the first pre-paid card companies in Europe, executed the sale to Santander 2007
• Significant Board Experience: Abbey National /Santander (Group Payments Director), Travelex (JV with Abbey National), BACS Board, Cheque & Credit Clearing Company, APACS Council, Money Card Ltd, Emerging Payments Association (EPA), Travel Welfare (airline platform business), Change Account (ethical challenger bank).
Robert has deep expertise in e-money and is highly skilled in all aspects of consumer finance issues, including consumer protection, banking regulation and compliance and anti-money laundering.
In the UK, he works closely with The Payments Services Regulator, HM Treasury and Financial Conduct Association, and other compliance and industry bodies globally. He is also Non Executive Board Director/Strategic Advisor to over 15 diverse payment and payment related companies.
He has continuously been named a key player in the Payments Power 10 (including #1 in 2015), a highly competitive ranking of the influential contributors in payments.
Previously, Robert achieved success as a senior legal professional specialising in matters relating to cards and payments.
He regularly speaks on issues facing the European Payments’ Industry including laws relating to Blockchain, Cryptocurrencies and Initial Coin Offerings (ICOs).
Tony champions payments technologies globally. He shares his deep payments knowledge, borne from 15 years in payments and evangelical zeal for innovation, when speaking and chairing conferences, publishing books and white papers, or enrolling payments leaders to join the EPA’s collaboration network.
A serial entrepreneur; Tony invests in many early stage payments and PayTech companies – enabling them to succeed in a highly competitive payments ecosystem.
Tony conceived and launched the Emerging Payments Association (EPA) in 2012, where he is Director General. The EPA promotes the UK as global hub for payments innovation and the interests of the EPA’s 150+ members, which include banks, card schemes, PSPs, issuers, processors, acquirers, who all come together to drive collective industry change.
Tony also leads the communities of EPA Asia, EPA EU, EPA US and EPA Africa. His vision is that this global network of interconnected capabilities, people and knowledge will prove to be truly transformational in how the world works, for the benefit of everyone.
In 2019, Tony set up the Inclusion Foundation, a not-for-profit platform company promoting products that help address financial exclusion.
Phil’s experience has been gained in regulatory licencing applications and audits within payments, e-money, cryptocurrency firms and digital banks. He has a keen interest in the cryptocurrency sector and has assisted a number of leading crypto firms in the UK and Ireland gain their e-money licences. He organises and sits on a number of crypto roundtables across the UK and Ireland and regularly speaks at conferences on financial crime prevention.
Phil currently sits on the Emerging Payment Association’s (EPA’s) Project Financial Crime which aims to raise awareness of the impact of financial crime on the public, consumers and businesses and combat it through policy statements and thought leadership. He was formerly Head of Compliance for a global e-money institution in Europe.
Revolut is a radically better digital bank account that includes a debit card, currency exchange, and peer-to-peer payments. We are on a mission to build a fair and frictionless platform to use and manage money around the world. Our platform allows users to transfer, exchange, and spend money at great value rates with a multi currency card that is accepted everywhere.
Prior roles include:
– Commercial Banking Director at TSB
– Global Head of Propositions / Digital – SME Banking at HSBC
– Chief Operating Officer, UK Commercial Banking, at HSBC
– First CEO of challenger bank OakNorth
Richard has a MA Economics and M.Phil Development Economics from Trinity Hall Cambridge.
Jill joined Visa in March 2018 and initially led the product and solutions organisation across the UK and Ireland. In this role, she setup and resourced the function, defined the strategy and approach for the overall end-to-end delivery of all Visa capabilities.
Prior to joining Visa, Jill spent over ten years and held a number of senior roles at Mastercard across Africa, Asia and Europe within sales, marketing and product functions.
Earlier in her career, Jill held various board level roles at global marketing agencies, Grey Worldwide and McCann; working with clients such as Visa, Procter and Gamble, GlaxoSmithKline, General Motors, Nestle and L’Oréal.
Jill is a true global citizen, she was born in England and raised in South Africa and she graduated from Durban University of Technology.
She has recently been appointed the EWPN’s ambassador for Ireland to champion diversity in the payments sector having already taken up the baton to foster diversity in her own business as well as through her role as a director of the Association of Professional Compliance Consultants (APCC) and with the Emerging Payment Association’s (EPA’s) Women in Paytech project.
In addition to these roles, Alison chairs the APCC’s Supervision Working Group and leads the EPA’s Project Regulator.
As Head of Innovation and Business Development Simon leads the Payments customer centric Innovation programme together with product / scheme responsibilities.
Prior to this role Simon was Head of Design and Franchise Delivery leading teams to deliver transformational change to meet alternative State Aid remedies with the European Commission and Her Majesty’s Treasury following the decision to stand down the divestment of Williams & Glyn.
Simon joined RBS in 1994 from HSBC where he held various leadership roles in Payments and Cash Management.
Well known and respected at industry fora, Simon’s current external responsibilities include membership of the Participants Advisory Council supporting the Pay.UK and the CHAPS Strategic Advisory Forum.
Simon has two children and he is a keen cyclist and golfer as well as a long suffering fan of Yeovil Town Football Club.
Keith joined Plaid from Google, where he scaled hardware efforts with Pixel phones and Google Home speakers, and helped run business strategy for some of the company’s new technology bets, including Google Pay and virtual reality. Prior to Google, Keith began his career as a management consultant at Bain & Company.
With over 15 years of experience in the payments industry, Neil’s key focus is on driving positive change within the payments industry, initiating collaboration between industry peers to support financial inclusion initiatives and building customer success by delivering added valued solutions through his extensive knowledge of the payment space and emerging technologies.
Neil is a hands-on executive that believes in truly authentic and empowering leadership. He is an inventor, entrepreneur and philanthropist with a broad range of experience at both start-ups, large international corporations and not-for-profit models. As highly successful, results and customer oriented professional, Neil has a proven track record in driving growth and delivering results in operational performance, profitability and sustainability.
While Neil has achieved extraordinary success within the payments and software industries, what makes him stand out from the crowd is his innate drive towards promoting better access for all in financial & digital inclusivity.
As Chair of The Inclusion Foundation, a not for profit social enterprise which he founded in 2019, Neil is part of a leading taskforce in developing a fair access to banking and payment services.
Neil’s commitment to the industry, paired with his experience of new and innovative technologies in payments globally, has earned him a roles on advisory boards of disruptive fintech organisations as well as being elected to join the Advisory Board of the Emerging Payments Association
After restructuring a web content management vendor as a Chief Sales Officer, Fabien decided to set up his own business, a consultancy/service company “i-deal sales performance” to help start-ups turnaround or boost their sales performance.
In this context, he joined Okay – a Norwegian regtech – to establish the sales and marketing strategy around PSD2 SCA, and execute it. Fabien was then appointed CEO of the company to take it to next level as an Enterprise software vendor to count with in the payment and cybersecurity business in Europe.
• In 2018 Brendan set-up Konsentus with two co-founders. Konsentus facilitate real-time regulatory checking of TPPs, confirming their authorisation or registration status, assisting FIs to reduce the financial losses from fraudulent third parties in delivering PSD2 open banking
• Brendan started his career at Thales e-Security where he ended up as Director of Business Development and Product Management
• He then moved via the Datacard Corporation to MBNA, which became part of Bank of America, as part of the exec team as Senior Vice President of Product Development
• Prior to setting up his own consultancy business, Evolution Payments Consulting, he was Sales and Marketing Director at Giesecke & Devrient
• During his time consulting Brendan carried out projects for banks and schemes, focusing on PSD2, its implications and business opportunities, where the idea for Konsentus originated
His payments experience is broad and covers mobile, face-to face, ecommerce, Omni-channel and instant bank payments. Mark is a regular industry commentator, conference chairman and speaker. He is proud to be an Ambassador for the Emerging Payments Association.
Previously Amir spent the last 18 months focusing on the scale-up of OakNorth – Europe’s fastest-growing FinTech firm by assets, valuation, revenues and profits initially as the COO (SMF24) and then as the CSO, successfully implemented partnerships with other FinTechs such as Monzo and ClearBank. Prior to joining OakNorth, Amir was an Ops and Tech MD at BGC and has also worked at Barclays Investment Bank, Accenture and Cisco Systems.
Amir is also a champion for social mobility in the UK, being a long-serving trustee of the charity Making the Leap and the UK Social Mobility Awards (UKSOMOs).
Currently, Nathalie is Chief Operating Officer at Curve Ltd. Curve is a single payment card that aggregates multiple payment cards through its accompanying mobile app, allowing a user to spend, send, see, and save money.
She is also a Non-Executive Board Member at Pay.UK. Pay.UK is the UK’s leading retail payments authority, tasked with delivering the new payments infrastructure for BACS, Faster Payments and Cheques.
Prior to Curve, Nathalie worked at IDEMIA as Senior Vice President of Global Innovation Strategy, Marketing, Partnerships and M&A for the Financial Institutions Business Unit. With close to €3bn in revenues and more than 14,000 employees, IDEMIA is a world leader in digital security & identification technologies.
As GM and Head of Samsung Pay Europe at Samsung Electronics from 2015 through 2017, Nathalie is credited with building the organization and launching Samsung Pay across 6 European countries in 18 months.
She has also worked for 15 years at American Express in a variety of roles. As VP of Global Product Marketing, she drove product development and marketing for 3rd party bank partners in 55 markets and built solutions and adapted systems to better function across the diverse geographies.
Chris was previously Director of Financial Capability at the Financial Services Authority. He has been CEO of two national charities and chair or trustee of many others, including most recently The Money Charity and was an MP between 1997 and 2005, serving as a Work and Pensions Minister and as ministerial aide in the Treasury.
David has worked in identity verification since 2004 helping check customer identity for banks, money transfer businesses, prepaid solutions providers, peer2peer lenders, online retailers, professional services firms, sharing economy platforms, airlines, online travel agents and online gambling companies.
David is the Marketing Director for HooYu. Prior to launching HooYu, David was the Marketing Director for Jumio, the Marketing Director for Experian Decision Analytics and Marketing Director for 192business, the first global identity verification company which was later acquired by Experian.
Shaun has over 20 years’ experience in payments, mobile and FinTech. He has a track record in developing award winning B2B and B2C products whilst in senior Product and Technology positions at Worldpay, Nested, Monitise and Symbian.
At Monitise, Shaun was responsible for delivering some of the first smartphone banking apps in the UK and whilst at Worldpay, he transformed its SME offering with innovative mobile and data products as well an pioneering omnichannel propositions for major high street retailers.
Misha is also the co-founder of Koto, a unique fintech project based in the UK. Koto is a credit app making it possible for customers with a thin credit profile, or the ones new to a country, to get a “stress-free” credit. The mobile application also supports debit accounts with a virtual and physical card for various expenditures, layered in great customer experience.
The UK is the first foreign market for Misha’s Ukrainian team, being keen to export their expertise in mobile banking and lending to different markets all over the world.
Mishal has more than 10 years’ experience within Banking and Financial Tech having held senior positions in organisations such as Barclays, WorldPay and First Data. At Barclays, he worked in Corporate Finance where he was responsible for mergers and acquisitions in the Consumer Finance and Financial Tech sectors. At WorldPay his role was focused on International Development where he was responsible for the expansion into Asia and North America and at First Data he was responsible for expanding the Global Merchant Acquiring business into new markets as well as expanding First Data’s product capability into alternative payment methods.
As a highly respected senior executive with diverse international experience, Lana offers a fresh perspective and professional wisdom, challenging the status quo and driving business model transformation. She focuses on a bigger picture strategy of the how and why, as well as the creativity afforded to do this. Being well-versed in the rapidly emerging space of data and disruptive technology, Lana is passionate about leading innovation and challenging traditional boundaries of the Financial Services footprint in the growing world of Open Data and Digital Revolution. She embraces digital and market transformation with a diversity of thoughts to create world-class ubiquitous solutions.
Lana’s charismatic leadership fosters trust with peers, stakeholders and board members. A driven and committed expert with a strong ethical mindset, she is welcomed by global players as a trusted advisor and broker. She works collaboratively with industry pioneers, regulators and market leaders advising and shaping future services, and developing strategic plans that are vitally important for the success of the UK economy.
Before joining HSBC UK, Adizah was Director of Marketing EMEA at Token, an open banking fintech company from San Francisco. Before that she was part of the founding team of Level39, a London based a technology accelerator focused on fintech products. Through her vast experience of managing the rollout of digital products such as websites, billing systems and mentor matching platforms, Adizah understands how to build relationships and strategies that add value to all partners.
Over the years Adizah has worked on partnerships with industry leaders such as Facebook, Google, Microsoft, IBM, JP Morgan, UBS, Thomson Reuters and Accenture. She has spoken internationally about the impact of technology, business and finance across Asia, Europe and America. In 2016, Adizah was named one of the top 100 business women in London by CityAM, and is a judge for the annual Chief Information Officer (CIO.com) 100 across the UK, and for the European Women in Payment awards
He started his career in the RAF, training as a Pilot, before moving into financial services where he has over 17 years of experience in Corporate Banking (Citi, Barclays, and JP Morgan) and FinTechs (Ebury, Currency Solutions and Banking Circle).
Mitch sits on the Executive Committee of the Association of Foreign Exchange & Payments companies industry trade body and is involved in a number of industry initiatives, including the EPA’s “Project Regulator”, UK Finance’s project on “Access to Banking for PSPs”, FCA’s “Currency Transfer Services Engagement Group”, HM Treasury’s “Action Group on Remittances” and the PSR’s Payment Strategy Forum’s work on “Financial Crime Liability Models for Banking PSPs”.
He holds English, Scottish and Northern Irish Law degrees, a Professional Postgraduate Diploma in Governance Risk and Compliance, and is a fellow of the International Compliance Association.
Edoardo is a tenured Payment professional with over 15 years’ experience in the industry, across the UK, Europe and globally. Before joining Mastercard, Edoardo has worked for American Express since 2004, where he held a variety of roles within their Corporate Payment Services division across account management, business development and product management. In these roles, Edoardo developed an in-depth understanding of the Card industry working across different geographies and a variety of different roles.
Edoardo holds a double degree in Business Studies from the University of Brighton (UK) and the Politecnico of Turin (Italy) and he speaks fluently Italian, English and French.
Angela is very proud to support the tremendous work of the EPA by advising the team on their PR and social media strategy and taking a leading role in Project Recovery, Project Media and Project Women in Paytech. She believes passionately in citizenship and striving to make the world a better place.
Angela loves being an international speaker and presenter with previous engagements at world class events including Money2020, Finnovate, Fintech Connect, Internet Retailing, Pay360 and UK trade missions.