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 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.
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 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.
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.
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).
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 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.
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.
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’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.
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.
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.
Prior to Visa Josh has worked within retail, technology and banking.
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 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.
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.
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 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 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 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 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.
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.
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.
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
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.
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.