Speakers

Scott Abrahams

SVP Business Development UK and Ireland
Mastercard

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Mastercard

Scott Abrahams is responsible for developing and executing the UK&I Acceptance sales and marketing strategy to drive Acceptance growth and increase revenue performance. He is also responsible for Mastercard’s Fintech and Commercial Payments customers.
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.

Helena Barr

Sales Manager
Banking Circle

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Banking Circle

Helena Barr joined ground-breaking financial utility, Banking Circle in Sept 2019 as part of the Cash Management & FX Sales Team, covering financial institutions. Based in London, Helena is responsible for business development across Europe.
Helena is well versed in FinTech and International Payments, having previously worked in Foreign Exchange at Barclays, specialising in the asset class and FI sector for over 5 years. Helena is fluent in both French and Russian, and has a Masters in Finance from the London School of Economics.
Banking Circle is a next-generation provider of mission-critical financial services infrastructure leading the rise of a super-correspondent banking network. Banking Circle empowers financial institutions to support customers’ trading ambitions – domestic and global – whilst reducing risk and the operational cost of transactions.

By becoming a member of the Banking Circle, financial institutions can offer their customers banking services – from payments to loans – to help them trade domestically and globally, efficiently and at low cost. Importantly they can help their customers improve cash flow through enhanced speed of settlement whilst remaining fully compliant with financial regulation.

David Birch

Global Ambassador
Consult Hyperion

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Paybase

David G.W Birch is an author, advisor and commentator on digital financial services. He is a Global Ambassador at Consult Hyperion (the secure electronic transactions consultancy that he helped to found), Technology Fellow at the Centre for the Study of Financial Innovation (the London-based think tank), a Visiting Professor at the University of Surrey Business School and holds a number of board-level advisory roles. Before helping to found Consult Hyperion, he spent several years working as a consultant in Europe, the Far East and North America. He graduated from the University of Southampton with a B.Sc (Hons.) in Physics.
Dave was named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); was found to be one of the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); was ranked in the top three most influential people in London’s FinTech community (City A.M.), was voted one of the European “Top 40” people in digital financial services (Financial News), was listed of the world’s top 100 most influential FinTech leaders (Hot Topics) and rated Europe’s most influential commentator on emerging payments (Total Payments).

Damian Brychcy

COO
Capital on Tap

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Paybase

Damian is the COO of Capital on Tap, a leading provider of credit cards to small businesses. Damian joined the company in its infancy 6 years ago and has helped scale the Capital on Tap from 1,000 small business customers to over 75,000.

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.

Michael Chambers

Director
Northey Point Limited
Director
Eazy Collect Services

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Mike is a recognised authority on automated payments and, as Chief Executive Officer, led Bacs Payment Schemes Limited (Bacs), the UK’s biggest retail payment system, from 2004 until 2018.

During this time he successfully steered the company through a record number of payment processing, technological, regulatory and innovative customer proposition ‘firsts’.

Under Mike’s direction, Bacs extended its product offering to include the ownership, management and market adoption of the Current Account Switch Service (CASS) and the Cash ISA Transfer Service.

During his time at Bacs, Mike also led the UK’s systemically important RTGS payment system (CHAPS) as its CEO and operated the UK’s Faster Payment Scheme as its first Chief Executive creating the Payment System Operator (Faster Payment Scheme Limited).

Mike was an integral part of the industry initiative which led to the New Payments Architecture (NPA) vision (including concepts such as Request To Pay and Conformation of Payee), the regulatory endorsed merger of the UK’s retail payment schemes and the formation of the New Payment System Operator (NPSO).

Having successfully merged Bacs into the New Payment System Operator – now Pay.UK. Mike exited the business and is now pursuing a portfolio career as an Independent Non-Executive Director and undertaking payments related advisory engagements.

John Chaplin

Advisor
Helios Investment Partners
Chairman
Global Payments Innovation Jury

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John Chaplin is one of the most influential figures globally in retail payments. After successfully holding senior executive positions at both Visa and First Data for many years, he is now heavily involved in investing in payments. He is an adviser to Helios Investment Partners, the African private equity fund, and is a board director of their portfolio payments companies in West Africa and Egypt. He is Chairman of Global Processing Services, a Dunedin portfolio company, which is based in UK and he is also a Board director of a number of earlier stage fintech companies. He has advised national payment schemes and regulators in 5 continents on how their payments infrastructures should be developed. He is the organizer of the Global Payments Innovation Jury, a prestigious group of 70 industry leading CEOs, that convenes every 2 years to look at the state of innovation in the payments sector.

Becky Clements

Director of Payments
UK Finance

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UK Finance

Becky is responsible for leading and formulating payments industry policy matters, overseeing the sector engagement and advocacy, and driving change and innovation opportunities on behalf of members.
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.

Ian Clowes

Chairman
FS Horizons , Fintech & Digital Banking

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Based in London, Ian Clowes helps Fintech companies to launch neo banks, mobile wallets and pre-paid programs and is currently Chairman of FSHorizons a Digital Banking solutions Fintech. He is a passionate and entrepreneurial CEO and Chairman with a strong track record in setting up, launching and building successful businesses in the Fintech and banking space with full P&L ownership. His roles have spanned from Director of a major UK bank (Abbey/Santander) to Director of a blue chip global technology provider (Unisys) and most recently CEO of an investor-backed, high-growth digital payments and banking-platform company. He has been an influential player within the payments industry serving in Board and advisory capacities with numerous companies, industry associations and regulatory bodies. (Founder member of Emerging Payments Advisory Board). Ian earned an MBA from Warwick University.

• 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).

Jordana Cohen

Director Open Banking
Visa

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Visa

Jordana Cohen is part of the Open Banking Team at Visa, responsible for strategy and new product development. Prior to joining this team, Jordana has held various positions across within Visa including working in Hong Kong. Jordana is based in London and holds a Bachelor’s Degree from the University of California, Berkeley.

Peter Cornforth

VP of Payments
Token

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Visa

Peter Cornforth is the VP of Payments for Token.io, Europe’s leading Open Payments provider, who are connecting the future of banking to commerce. He is a member of the European Payments Council Task Force for Request to Pay and was formerly a member of their API evaluation group setting the criteria of what good looks like in Open Banking.

Peter brings over 15 years payments experience having led many exciting product developments including Vodafone M-Pesa, Acquiring with Paysafe and Digital Banking with Santander.

Tony Craddock

Director General
Emerging Payments Association

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EPA

An enthusiastic business leader of the world’s most influential trade association in payments, a lively public speaker and avid networker, Tony is passionate about payments and the difference it can make to lives everywhere.
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.

Richard Davies

CEO Banking
Revolut

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Revolut

Richard Davies is the Chief Executive Officer for Banking at Revolut, having joined in July 2019. He is responsible for Revolut’s banking entities around the world, alongside a number of group functions.

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 Docherty

Executive Director, Business Development, UK and Ireland
Visa

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Visa

Jill Docherty currently leads Business Development for the UK and Ireland. In this role, she has three functional responsibilities, new business development, onboarding and account management across a number of key strategic issuers and fintechs.
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.


Alison Donnelly

Director
fscom

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fscom

Alison is a payments policy expert with in-depth knowledge and understanding of the payments and regulatory landscape in Europe, particularly Ireland and the UK. As a director of fscom, the boutique compliance consultancy, she helps payments businesses understand their regulatory obligations and develop commercially-sound systems and controls that protects consumers and adds value to the business.

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.

Andrea Dunlop

Chair
EPA Advisory board

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Andrea Dunlop is an international Executive, angel investor and non-executive Director. She was formerly CEO of Merchant Acquiring, a UK/ EU regulated business she established in 2013 for the Paysafe Group. With in-depth knowledge across many aspects of payments; Andrea is highly-regarded in the payments industry; she has been named one of ‘Most Influential Women in Payments in 2018’, Banking Technology’s ‘Woman in PayTech’ in 2018, ‘Payments Pioneer’ by the UK Payment Awards, voted in Payments Power 10, a list of the top ten influential contributors to the payments industry in 2016, 2017, 2018 and 2019

Andrea is the Chairwoman of the Emerging Payments Association’s Advisory Board; Board member of the European Women in Payments Network. She also sits on several industry forums including the Payment Systems Regulator in the UK. She is a passionate speaker and supporter of diversity and inclusion, as well as financial inclusion, championing and challenging the industry to deliver better financial products for the benefit of all.

Prior to joining Paysafe, Andrea ran her own consultancy in the financial services and payments sectors. Previous to that Andrea served 13 years in the Royal Air Force.


Maha El Dimachki

Head of Payments
FCA

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Maha is the Head of the Payments Supervision Department at the Financial Conduct Authority (FCA) having joined the FCA to set up the team in October 2017.
Maha’s career in payments has spanned multiple geographies since 1995, covering various markets in retail banking as well as wholesale and institutional cash management. Her payments knowledge includes acquiring, issuing, payables and receivables, liquidity management and working capital solutions. She has performed a wide variety of roles from sales, strategy and product to governance, risk and control. Maha has a keen interest in observing and participating in the many exciting changes that are unfolding in the payments environment.
As Head of Payments Department, Maha is responsible for crafting and implementing FCA supervisory strategy for the UK Payments Sector.

Michael Christos G. Charalambides

CEO & MD
ECommBX

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eCommBX

Michael comes from a banking background with solid academic and strategic foundation in macro-economics and politics. Since the dawn of the Fin-Tech industry Michael has become a part of many leading industry projects and regulatory bodies via contributing through his network of projects. He has successfully launched with his peers the ECOMMPAY brand, was part of the project that launched the first private POS payments terminal in Cyprus and now has taken on a new venture and created the family of ECOMMBX as an EMI regulated under the CBC. Michael’s favourite words that lead his vision are: positive disruption and “always work in the light”

Manish Garg

Founder & CEO
Reflow

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Koto Card

Manish is passionate about Instant Payments simplifying financials and payments experiences. He is Open Banking evangelist driving positive change and innovation within the financial services industry. He is member of European Banking Authority’s PSD2 API Working Group to improve APIs across EU member states. Manish is also advisory panel member on UK’s New Payments Architecture and working closely with UK Open Banking build vibrant ecosystem.
As the Founder and CEO, he leads reflow – a payments platform at the forefront of PSD2 and Open Banking – Instant Payments removing the need to enter long card numbers and the fear of getting card details stolen or hacked. With no new logins or passwords, the customer approves the payment by using Touch ID or Fingerprint on their banking mobile app or their online banking password.
Prior to reflow, Manish worked with world’s leading origination such as Thomson Reuters to drive digital transformation and new product innovation. Manish also worked with leading digital consultancy Sapient in 2006 after completing master’s in computer science.

Martin Georgzén

CSO
P27

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Koto Card

Martin Georgzén is since summer 2019 the CSO of P27 Nordic Payments Platform. He has been engaged in the project ever since start when he was in charge of the Payments Development Department in Danske Bank. The change the payment industry is going through right now is something that rests very close to Martin’s heart. P27 Nordic Payments Platform AB, www.nordicpayments.eu, is a company owned by six of the largest banks in the Nordics, Danske Bank, Handelsbanken, Nordea, OP Financial Group, SEB and Swedbank. The aim is to create one common state of the art payment platform in the Nordic countries. The work started in late 2017 with the ambition to go live 2021. The name P27 derives from the number of citizens in the Nordic countries, 27 million individuals. The launch of P27 services is subject to a merger filing and clearing licence approval. Prior to working with payments, Martin has 18 years in Danske Bank behind him covering a broad range of positions such as Global Head of Pricing and Capital and Head of Structured Finance

Imran Gulamhuseinwala

Implementation Trustee
Open Banking Implementation Entity

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Banking Circle

Mr. Gulamhuseinwala was appointed Implementation Trustee for the Open Banking Implementation Entity (OBIE) on 13 April 2017.
In his role as Trustee, he has oversight and responsibility for Open Banking’s development and delivery of the common technical standards underpinning the Competition and Market Authority’s (CMA) Open Banking initiative.
Prior to joining Open Banking, he was involved with the Entity’s work through its stakeholder working groups and has been active in financial technology as both an investor and a start-up founder.

He has worked in financial services for c. 20 years, eight years of which included investing in the FinTech sector. He is a former Partner of Ernst & Young (EY) where he was also Global Head of FinTech. He is a Board Member of The Charity Commission for England and Wales.
He is the co-founder of CommuterClub, a FinTech 50 start-up which helps commuters to access savings for annual travel season tickets.
He was awarded an OBE in the 2017 New Year’s Honours list for his contribution to the financial services sector.
He has a Master’s in Engineering from Cambridge University and is a CFA charter holder.


Sam Hancock

Head of Product, Care, Payments and Marketplace Trust
Deliveroo

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Deliveroo

Sam leads the product teams focussed on payment acceptance and disbursement, customer care experiences and tools, plus combating fraud and abuse at Deliveroo. Prior to joining Deliveroo he spent four years working at Audible in the US as product lead for international expansion and new ventures.

Joshua Hobbs

Head of BIN Sponsorship, UK
Visa

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Visa

Josh Hobbs currently leads BIN Sponsorship activities for the UK. In this role, he leads BIN Sponsor strategy development and ecosystem enablement. Josh Joined Visa in 2012 and has worked across a variety of roles encompassing card Issuing, payment acceptance, fraud management and payment security.
Prior to Visa Josh has worked within retail, technology and banking.


Aaron Holmes

CEO
Kani Payments

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Kani Payments

Aaron’s career in the payments industry spans 15 years, in roles at e-money issuer Newcastle Building Society’s Card Solutions team (now Wirecard), General Manager of gift card company Flex-e-card, Chief Operating Officer of processor Global Processing Services, and now as CEO of Kani – the ‘Leading Financial Services or Payments Start-up’ 2019 award winner at the Emerging Payments Association Awards. Aaron & Kani were one of TechNation’s Rising Stars, and were selected for the TechNation FinTech 2.0 Cohort – one of the 23 UK CEOs of early-stage companies tipped to revolutionise the global FinTech market. Aaron and the team at Kani are on a mission to demistify the complex world of payments, helping finance & operations teams to harness their data and use it for effective reporting and accurate reconciliation.

Fabien Ignaccolo

Chief Executive Officer
Okay

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Okay

Fabien is a seasoned international sales executive with over 20 years of sales and management experience predominantly in the software business. Fabien has alternatively worked for large international software vendors – where he learned from the best – and challengers – where he learned what it takes to compete with large software vendors.
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.


Giedre Mitkute

Associate
Locke Lord

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Locke Lord

Giedre Mitkute, Associate, Locke Lord is a legal expert in payments and e-money regulations. She advises clients across the payments ecosystem on the regulatory, compliance and commercial issues, helping them navigate the regulatory maize. She drafts and negotiates commercial contracts.
In 2018 Giedre was awarded the Emerging Payments Awards’ Outstanding Women in Paytech Award. Giedre works with a number of trade associations in the industry; she is a member of the EPA’s Project Regulator, which aims to influence the regulatory agenda. She is also a member of the Prepaid International Forum’s Legal and Regulatory Working Group, which focusses on legal developments that affect the industry.
‎Prior to joining the firm, Giedre was a Regulatory ‎Manager at R. Raphaels & Sons plc (Raphaels Bank), one of largest prepaid card issuers (BIN Sponsor) at the time, overseeing legal and ‎regulatory compliance of its e-money and payments activities in the UK and across Europe.

Amir Nooriala

Chief Strategy Officer
Callsign

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Callsign

Amir recently joined Callsign, a London-based company at the forefront of the identity, authentication and authorisation revolution, as the company’s Chief Strategy Officer (CSO).

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).

Nathalie Oestmann

COO
Curve

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Curve

Nathalie Oestmann has extensive international experience across the payments industry working with financial services, retail merchants and payment processors with a track record and passion for bringing innovation to fruition through ecosystem collaboration.

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.


David Parker

Director
Polymath Consulting

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Polymath Consulting

Polymath Consulting works on projects and advise organisations across the Cards & Payments industry. David is also an active mentor, NED and advisor/observer to boards including: Cybertonica, 3s Money Club, Bee Good, Trezeo and Curve. He is a co-founder of Konsentus that delivers TPP identity and regulatory checking for PSD2 open banking compliance. He has worked across the complete value chain helping banks with their overall E-Money/Prepaid and Emerging Payments strategy right through to market entry analysis; as well as working with telcos, processors and programme managers on segment analysis, certification and membership applications. His client assignments have covered Russia, South Africa, Middle East, Europe and Asia.

Vikesh Patel

Head of UK and Ireland
SWIFT

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SWIFT

Vikesh Patel is Head of UK and Ireland with responsibility for SWIFTs strategic direction and growth in the region. Vikesh joined SWIFT in 2017, charged with strengthening the cooperative’s key relationships and delivering commercial performance across its portfolio of products and services; including SWIFT’s global payments innovation (gpi) and its suite of financial crime compliance solutions. Prior to SWIFT, Vikesh was Chief Operating Officer at LCH focusing on strategy, risk management and the development of new products for the EquityClear and RepoClear businesses. Vikesh has also served in global executive roles at Goldman Sachs and Morgan Stanley, with a primary focus on market infrastructure and post trade strategy. Vikesh started his career at HM Treasury working on a range of domestic and international policy areas and served as a Private Secretary to both the Financial Secretary to the Treasury and Economic Secretary to the Treasury.


Anne Pieckielon

CEO
The Inclusion Foundation CIC

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The Inclusion Foundation

Anne’s track record of achievement as a Director and senior leader with Pay.UK (formerly Bacs) and across the wider EPA community as an Advisory Board member brings a unique perspective to a range of industry challenges faced by the Fintech ecosystem. Anne constantly challenges the traditional payments model across a range of services and supports stakeholders to achieve step change in their business.

At Bacs Anne led the strategy and steered product development of the UK’s retail payment products and services such as Direct Debit, Bacs Direct Credit, Current Account Switch Service and Cash ISA account switching services. Anne’s entrepreneurship and influence shaped the future of these highly successful initiatives which have been adopted by the financial services industry, consumers and businesses globally.

Anne is the Chief Executive of The Inclusion Foundation CIC, a not for profit company seeking to help under-served customers get the best from their finances through use of the most effective payment products and services. TIF is seeking to mobilise the paytech industry to address financial inclusion effectively. She is also a Trustee of the Money Charity.

Recognised as a senior leader under the Innovate Finance Women in PayTech Powerlist and winner of the 2019 Emerging Payments Awards’ Industry Contributor of the Year, Anne champions diversity. She is a judge for the European Women’s Payment Network (EWPN) Awards and an advocate for HM Treasury’s Women in Finance Charter, although Anne canvasses contributions from the broadest audience possible to further develop the industry.


Gary Pine

Chief Product and Marketing Officer
W2

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W2

Gary Pine is the Chief Product and Marketing Officer for W2. A member of W2s Senior Management Team, Gary joined W2 in 2017 having spent the three years prior with the leading innovator in business payments automation technology, Bottomline Technologies. With more than 15 years product & marketing experience gained from the likes of AutoTrader, 118118 and Orange, loves nothing more nowadays to talk of innovation in RegTech and building shiny new things for the FinTech market. As the Chief Marketing Officer (CMO), responsible for overseeing the planning, development and execution of W2s marketing and advertising initiatives. As the Chief Product Officer (CPO), tasked with building awareness of W2s technology and product capabilities through blogs, social media and speaking engagements.
Gary also acts as the Data Protection Officer (DPO) for W2.
Lives in Bristol, follows Bristol Rugby and supports Bristol City FC. Bristol, not Bath.

David Pope

Marketing Director
HooYu

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Hooyu

David Pope is an expert in (the prevention of) ID theft, ID fraud, and money laundering and consumer scams. David has authored several reports and white papers by interviewing convicted fraudsters on their modus operandi and he regularly presents at industry conferences.
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.

Glyn Povah

Director Product Development
Telefónica

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Telefonica

Glyn is Director Product Development at Telefónica with specific focus on Digital Identity and AI/ML Big Data B2B API product development.

Glyn is an experienced global product leader and agitator with 20 years experience working in Telco, both B2C and B2B, product marketing, commercial development and new product development, with strong focus on developing new high growth adjacent product categories in Telco industry, aligned with customer needs.

Glyn is a recognised leader and frequent speaker on Digital Identity and the role Telcos can play in the wider ecosystem as we evolve to a more decentralised model.


Shaun Puckrin

Chief Product Officer
GPS

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GPS

Shaun is responsible for setting the Product Strategy and Roadmap at GPS, ensuring that it is providing the most reliable and feature rich platform to its customers around the world.

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 Rogalskiy

Co-founder
Koto and Monobank

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Curve

Misha Rogalsky is a Co-Founder of Monobank, Ukraine’s first mobile-only bank established in 2017. Due to the virtual business model, a convenient mobile app, as well as a big amount of competitive, low-priced services, just in two years the bank attracted 1.5 million customers, with 80% of them joining by word of mouth.

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.

Martin Runow

Managing Director | Global Head of Payments and Digital
Barclays Corporate Banking

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Barclays

Martin Runow is the Global Head of Payments and Digital at Barclays Corporate Bank. Martin has a significant breadth of transaction banking experience and joined us from Deutsche Bank in 2019. During his 26 years at Deutsche, he held multiple global and regional client and product related transaction banking and corporate banking roles – among them cash management leadership roles based in New York, Zurich and Frankfurt. He leads a global team of product managers and client experience professionals that deliver payments, transactional FX and digital solutions to our corporate and institutional clients across all segments and geographies.
Martin believes in a client-centric, front-to-back approach to developing our digital channels and payment solutions that delivers a consistent, modern and secure client experience to our different client segments across the globe.


Julian Sawyer

European Managing Director
Gemini

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Gemini

Julian Sawyer is the European Managing Director for Gemini, the New York Regulated Crypto Exchange and digital asset Custodian. Prior to joining Gemini to lead the European operation, Julian was a co-founder and former COO of Starling Bank for over four years with was responsibility for running customer services, AML & Fraud, Payment Operations, HR and Supplier Management. He also held P&L responsibility for the B2B business – Starling Banking Services. Prior to Starling he worked as a management consultant at Accenture and EY and set-up and ran his own financial services consultancy, Bluerock, for 13 years before selling it. Julian is also an Honorary Senior Visiting Fellow at CASS University in the Faculty of Management and a member of the Emerging Payments Association Advisory Board. He is also an Advisor at Volt Bank Limited, the leading Australian Challenger Bank.

Andrew Scott

Global Head of Secure Access
HSBC Retail Banking and Wealth Management

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HSBC

Andrew Scott is Global Head of Secure Access for HSBC’s Retail Banking and Wealth Management business. In this role he is responsible for customer identification and access management across more than 30 markets and regulatory frameworks. He has worked in digital since 1996 with companies including Fujitsu, Liberate Technologies, Microsoft, the BBC and now HSBC. During that time he has held a variety of roles from solutions architect to product management, and for the last 5 years has led teams focussed on authentication and personalisation in both media and financial services. Today he is fully engaged in helping to deliver his team’s mission: Making it easy for the good guys, and hard for the bad guys.

Lana Tahirly Abdullayeva

Director
Lloyds Banking Group

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Lloyds Banking Group

Currently a Director at Lloyds Banking Group and a Member of the Participant Advisory Council at PAY.UK , Lana is a Seasoned Global Leader with a wealth of international experience across the Banking, Payments and Financial Services. Lana offers experience with well-known international companies from various markets across the globe as well as leadership wisdom and a fresh perspective from her exposure to working in countries with complex political turbulence and economic instability. Through decades of her diverse career, she enjoyed the privilege to work with large traditional corporates as well as dynamic fin tech organisations.
Mathematician by training, in Banking and FS since 1997, Lana is a strong believer that in a world undergoing profound change, our responsibility is to contribute to the emergence and implementation of solutions for a sustainable future. She advocates for leveraging evolving regulation and easier access to data to enforce greater transparency and enhance end-customer experience, prevent financial crime and foster financial inclusion. Over 2015 to 2017 she was a member of the Payments Strategy Forum and played an influential role in shaping the future UK payments landscape, improving trust in payments and removing barriers to enter.
A global leader in the digital payments and digital identity, Lana is passionate about promoting innovation through ecosystem collaboration and expanding the traditional boundaries of the Financial Services footprint in the growing world of Open Data and Digital Revolution. Being well versed in the rapidly emerging world of data and disruptive technologies, Lana is passionate to create world class ubiquitous solutions for the good of all users. Lana is fully committed to working collaboratively with peers, regulators and stakeholders developing strategic plans that are vitally important for the success of UK ecosystem and in helping Britain prosper compliantly. She focuses on big picture strategy of how and why and the creativity afforded to do this; challenging the status quo and leading growth through client centric technology and business model transformation.


Adizah Tejani

Senior Innovation and partnerships manager
HSBC UK

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HSBC

Adizah Tejani is Senior Digital Innovation Manager at HSBC UK, where she covers strategic technology partnerships and product strategy within lending and payments. Adizah has worked within the digital technologies space for the last decade. She continues her engagement work with fintechs, VC and other ecosystem players in order to drive new product development.

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


Basak Toprak

Head of Europe eCommerce Solutions, Wholesale Payments
J.P. Morgan

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J.P. Morgan

Basak is responsible for eCommerce solutions for J.P. Morgan’s Wholesale Payments business in Europe. She specialises in working with companies to deploy banking and payments solutions to improve end-user experience through automation and integration. With over 20 years banking experience, Basak has held various leadership roles in Product Management, Sales and Market Management in Europe. She holds a MSc in Environmental Engineering and MBA in e-Business from Cass Business School, London.

Robustiano Tubio

CFO
Tymit

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Tymit

Robustiano is currently CFO at Tymit and prior to that he worked in investment banking for Santander in Argentina, Brazil and the UK. He has spent most of his career providing solutions to institutional customers on funding, yield enhancement, and hedging arrangements. Most recently he was head of fixed income structuring for Santander in London where he led structured finance and secured lending deals involving mortgage, auto and consumer loans asset-backed securities. Robustiano is a CFA® charter holder and holds an MBA from London Business School.

Edoardo Volta

Vice President Business Development
Mastercard

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Mastercard

Edoardo has been with Mastercard for 4 years where he held different Business Development roles both in the SME and the Consumer space. Currently he heads up Fintech Account Management and Business Development for Mastercard in the UK and Ireland. In this role he works with all non-traditional Card Issuer, including Digital Banks, to help them develop innovative payment solutions.
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.


Steve Warner

Sales Director
TietoEVRY

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TietoEVRY

Steve is the Sales Director for TietoEVRY in the UK, has worked extensively in the payments and cards industry for over 20 years. His previous experience spans established brands and includes a commercial role at Mastercard in the US, growing WorldPay’s e-commerce business following multiple acquisitions, and developing Visa’s merchant acceptance business for the CEMEA region.

Markos Zachariadis

Greensill Chair in Financial Technology (FinTech) & Full Professor of Information Systems
Alliance Manchester Business School, University of Manchester

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Professor Markos Zachariadis holds the Greensill Chair of Financial Technology (FinTech) and is Full Professor of Information Systems at Alliance Manchester Business School (AMBS), at the University of Manchester. He is a member of the World Economic Forum’s Global Future Council on Financial & Monetary Systems and a FinTech Research Fellow at the Cambridge Centre for Digital Innovation (CDI), University of Cambridge. Professor Zachariadis’ research sits at the cross section of economics of digital innovation, financial technology studies, and network economics, and has studied extensively the economic impact of ICT adoption on bank performance, the diffusion of payment networks, and the role of data & standards in payment infrastructures (SWIFT), financial markets (LEI), and digital banking (Open Banking), among other things. His research has been published in top academic journals such as MIS Quarterly and Research Policy and has been awarded the NET Institute Award (NYU Stern Business School) for his study on the economics of payment networks, and the SWIFT Institute, SMS, and GRI Awards for his research on Open APIs and Digital Transformation in Banking. He is also co-author of The Society for Worldwide Interbank Financial Telecommunication (SWIFT): Cooperative governance for network innovation, standards, and community (London: Routledge 2014), and co-editor of The PAYTECH Book published by Wiley (2020).
Prof. Zachariadis is a board advisor, mentor, and international keynote speaker and has been invited from various global organizations to present his research insights, give talks at international events, and judge at international competitions (Bank of England, UK Parliament, World Bank, SIBOS, Money2020, GRI Summit, Microsoft, Bank of Canada/Payments Canada, SWIFT, Innovate Finance Global Summit, Central Bank of Seychelles, Open Banking World Congress, FINTECH Connect, IBM, Financial Times, EY, APIdays, etc.). He was also the organizer of an international conference in London on PayTech innovation which was funded by Gates Foundation, MasterCard, and Capco. As a recognised expert, Markos often shares his work and perspectives with media outlets such as The Times, World Finance, Financial Times’ Banker Magazine, Bloomberg, Fortune Magazine, BBC, CNN, The Telegraph, Sky News, Wired Magazine, USA Today, ITV News, The Conversation, among many other.
Prior to joining AMBS, Prof. Zachariadis was Associate Professor in Management Information Systems & Digital Innovation at Warwick Business School, University of Warwick – where he also directed the Executive Education Diploma in Digital leadership – Visiting Professor in Financial Technologies (FinTech) at Ivey Business School, Western University, Research Associate at the University of Cambridge Judge Business School, Visiting Scholar at London Business School, and Research Economist at the Centre for Economic Performance, London School of Economics. He studied economics at the University of Patras, Department of Economics and holds an MSc and PhD from the London School of Economics, Department of Management. Before turning to academia, Markos worked for multinational companies in the technology and financial services sector such as Hewlett Packard Inc. and UBS Investment Bank in Greece, Spain and the UK.
You can follow Markos on Twitter @MarkosZach and on Linkedin.


Jakub Zmuda

Chief Product Officer
Modulr

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Modulr

Kuba has over 15 years of experience in financial services technology with 10 of those in the payments sector. He co-founded Modulr, the new digital payment account for businesses, in 2015 and leads Modulr’s product function. Prior to that, Kuba worked in variety roles in the payment sector with CorporatePay and WEX Europe where he led Operations, Projects and Product functions.

 
 
 
 
 
 
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