Frans van Beers is Head Payments Product management at the Dutch Payments Association since 2013 and has over 25 years of experience in payments in various positions. He participated in the NL interbank IP-programme from start to end. He is also actively involved in SCTinst developments and related activities at the European Payments Council (EPC).
Francis is taking care of the Payment Regulations impacting Global Cash Management, and is also an active member in the Request to Pay workgroups of the EPC and of EBA Clearing.
Before he was heading the SEPA offering for the BNPP Group.
He has held several different senior managerial positions and was member of the board at AGF Belgium Bank.
He is a payments and clearing expert and was involved in the SEPA process since the start. Francis is a member of various industry committees and represents BNP Paribas in several forums related to development of payments, e-payments and cash management, including the EPC and EBA Clearing.
He is EPC Scheme Management Board member, was member of the ECB-TIPS Task Force and co-chaired the ERPB e-mandates working group
Kate Pohl started her career at Irving Trust Co./Bank of NY in NYC, responsible for correspondent banking in Northern & Central Europe. She later transferred to Frankfurt to run Transaction Products/Credit (Senior Credit Officer/Geschäftsleiterin). Kate moved on to head up Corporate Payment Services at the Chase Manhattan Bank AG. In 1998, Kate Pohl joined ABN AMRO as Global Transaction Services (GTS) Head for Germany. She was responsible for sales, client delivery and product management (cash and trade). Her role was later expanded to include client services in Eastern Europe. In 2003 Kate moved to Amsterdam to create a Global Implementation Group for cash and complex trade. In 2006 she accepted the role of Global Compliance Head (GTS, IT, and Operations). Kate returned to Frankfurt in 2008 for Citigroup as GTS Head. In 2014 Kate joined ING Bank Germany as Transaction Services Sales Head and in September 2016 accepted the role of Head of Payments’ Innovation for Germany and Austria for Wholesale clients. Since July 2018, Kate Pohl has been working as a Freelance Consultant and Advisor to banks, fintechs and corporations in the areas of financial services & innovation. She is also a facilitator for the Euro Banking Association running the Open Banking and Digital Transformation Forum. Kate continues to work with the Core Leadership Institute as a senior consultant, coaching and helping professionals to find their Leadership Purpose.
Jean-Philippe Joliveau graduated in Mechanical Engineering from Ecole Centrale de Nantes in France in 1987 and completed a post-graduate diploma in Management from Institut d’Administration des Entreprises in Lyon in 1988.
He began his career at Sema Group as a programmer analyst with long-term assignments first in Beijing, China and in 1990 in Milan, Italy. In 1995, he joined Fiditalia, a consumer credit company.
In 1998, he moved to newly formed Sema Group Italy where he followed several projects in the card payment business. In 2004, the company was acquired by Atos Origin and Joliveau took the role of Business Consultant and Sales Support Manager to develop the card payment activity in Italy in synergy with Atos’s payment processing subsidiary Worldline.
He joined SIA in 2008 and has since covered various roles in the project management and product development areas. In 2017, he began focusing on Instant Payments and the PSD2 and in particular convergence opportunities with the card payment business.
He is also SIA’s representative to European Payment Industry Associations such as nexo, the Berlin Group and the European Cards Stakeholders Group.
Mr Martynas Rajunčius is the Advisor to the Director of the Market Infrastructure Department at the Bank of Lithuania (Lietuvos bankas).
In this current capacity, he is responsible for the strategic developments of the Bank of Lithuania’s retail payment system CENTROlink and business relationships with the key participants and market infrastructure counterparts.
Martynas is a member of the Market Infrastructure Policy Committee (MIPC) of the European System of Central Banks (ESCB) and a member of the Advisory Group on Market Infrastructures for Payments (AMI-Pay).
Mr Rajunčius holds a master degree on management and business administration from Vilnius University.
At the Deutsche Bundesbank, Dr Heike Winter is responsible for digitalisation in payments. This comprises committee work in the Eurosystem and in the German banking industry. She is involved into internal and external discussions on crypto assets, stable coins and central bank digital currencies. After completing her degree in economics, Dr Winter worked at an institute for economic theory. She joined the Deutsche Bundesbank in February 1999, working initially in the Public Relations and Economic Education Departments before transferring to the Payments Department in March 2007.
Danilo Gemelli is in charge of SEPA ICT projects coordination for BNL – BNP Paribas Group.
With over 10 years of experience in payments Danilo gained a deep knowledge in new Digital Payments, SEPA and italian domestic products.
He also represents BNL in the Italian Bank Association groups.
Tatjana Grünvald is heading payments and cash management area products development in SEB Baltics. SEB in Baltics was among the first ones in Europe to implement the instant payment.
She is also heading the Payment panel of Estonian Banking Association, coordinating various market initiatives with the purpose of aligning market specific standards and requirements.
Tatjana has a long time experience also in trade finance and cash management areas.
Thorsten Bonifer (44) is a Senior Key Account Manager for DZ BANK´s Multinational Corporates with over 15 years of experience in the Transaction Banking Business.
Ulrich Loof (50) is a Senior Product Manager Corporate Solutions with over 20 years of experience in the Transaction Banking Business. He is also founding member & deputy speaker of the Westhafen Expert Dialogue.
Róbert graduated from EötvösLóránd Science University in Computer Science. He was hired as the first Capsys employee in 1998. Over the past twenty-one years he gained experiences in several fields of banking and financial IT: expert consultancy, development, implementation, and support of securities settlement, pension fund administration and payment systems. Róbert has led several domestic and international projects with success. Among others he is running professional support of Capsys’ international partnership programme, dedicating particular attention to Immediate Payments and PSD2/Open Banking. Róbert has been recognized as one of the leading experts of Immediate Payments and PSD2/Open Banking in Hungary, speaking at numerous conferences on these topics.
Over the last three years Róbert has led the architectural design and subsequent implementation of two major immediate payment implementations in Hungary.
Joerg Reuter dedicates his skills and experience to make bad guys’ lives difficult.
His work in the banking, telco and payments space revolves around fraud risk management, information / cyber security and compliance. Joerg has worked on projects around the world, across many countries and cultures, including a recent three-year tenure in Southeast Asia. This provides him with a unique perspective on the drivers for fraud and different approaches to financial crime management.
As a senior consultant with FICO, he helps client to apply FICO’s predictive analytics, artificial intelligence and machine learning pedigree to their business challenges. Focus areas include new account fraud (subscription / application fraud), account takeover and social engineering fraud.
Annick Moes is Head of Communications of the Euro Banking Association and EBA CLEARING, the leading private-industry provider of pan-European infrastructure solutions for euro payments. Annick also runs the Association’s market practice and regulatory guidance stream, which over the past 10 years has provided a pan-European perspective and practical support to banks migrating to SEPA and SCT Inst and implementing PSD2. Before joining the EBA Group in 2003, Annick worked in print, TV and online journalism as well as in market research, both in the EU and in the US.
Javier Santamaría is the Chair of the European Payments Council since June 2012, and has been one of its members since its creation in 2002. During decades as a bank employee, Mr. Santamaría accumulated a broad and balanced expertise in the intertwined dimensions of payments – business-related, operational, technical – across different client segments and product lines, in the legacy and the innovative spheres, which he now further develops as an independent self-employed professional. Mr Santamaría is also Chair of the Iberpay Board. Former Head of Operations and Business Services, he was Senior Vice President at Banco Santander until December 2016. He was a member of the Board of the Euro Banking Association and a Director of the SWIFT Board until the end of 2016
Steven joined Standard Chartered in 2017 as Head of Digitisation and Client Access Europe & Americas, and Cash Product, Europe based in London. He has regional responsibility for the Standard Chartered channels supporting Cash, Trade and Security Services products, including ensuring the European and American client base are informed on the channel capabilities and product development roadmap. Steven is also focussed on the Innovation agenda in Cash & Trade industry, including PSD2, APIs, Instant Payments & Mobile Money. He has worked in the Financial Services/ Payments Industry for most of his working life.
Michael is Director Business Product Expert at Deutsche bank. He is responsible for driving delivery of Payment capabilities, innovating client proposition development for Retail, corporate, FI & NBFI client base, building Relationship; networking within intra-bank, corporate & industry fora within EMEA. He has deep knowledge of the complete end to end cash management value chain and related proposition and products
Mr Ignacio Terol is Deputy Head of Division at the ECB in the Market Infrastructure Development Division. In this capacity, he is responsible for new projects and possible future development of Eurosystem services in the area of Market Infrastructures. This includes Instant Payment Settlement (TIPS), TARGET2/T2S consolidation and Eurosystem Collateral Management Service. Mr Terol has been involved in the T2S project since its conception in 2006 to which he remains associated. Before that he worked on several reports of the Committee on Payment and Settlement Systems (now CPMI) between 2000 and 2005.
Mr Terol holds a degree on economics and business administration from the Centro Universitario de EstudiosFinancieros (CUNEF).
23+ years of financial services experience across North America, Central Eastern Europe, and the Middle East. Having worked at organizations as Citi, MasterCard, Diners Club, ADIB, Argus, and Al-Futtaim, Rizwan brings in depth understanding of the payment requirements of the merchants, and consumers, in addition to the payment product development, and various payment solutions.
Mathias Schotte is a Global Key Client Director for SWIFT, based in Germany. In this role, he is responsible for some of SWIFT’s largest clients on a global level and manages a team of senior account managers.
Prior to this, Mathias held various positions at SWIFT covering a range of issues including funds and investment, asset management post-trade services and corporates. During this time, he developed SWIFT’s business across Central and Eastern Europe, growing SWIFT’s client base and building relationships with key stakeholders across the region.
Mathias joined SWIFT in 2012 from Morgan Stanley, where he held several senior positions in the middle- and back-office, covering a wide range of asset classes. He started his career with a traineeship at Deutsche Bank in 2001 in Frankfurt before studying at the Frankfurt School of Finance & Management.
Stephen Fowler, VP Business Development New Markets, BOKU Identity, focusing on Mobile Identity solutions for Open Banking and PSD2 SCA. Prior to this role Stephen was responsible for boarding and managing some of Europe’s largest merchants within the Travel, Airline, Retail and Financial Sectors.
He has over 16 years of experience in the payments industry covering acquiring, gateway, fraud and most recently Mobile Identity. In his current role at BOKU Identity, he is responsible for the development and design of a European wide SCA compliant Possession Factor solution replacing SMS OTP
Frederick Liu is Vice President at Visa Inc. and recently moved to London to focus on new product development for PSD2 and Open Banking. Prior to this role, he was responsible for launching new Identity and Risk Products globally. These solutions span fraud risk, credit risk, and mobile banking APIs that have been deployed to clients in more than 200 countries worldwide.
He has over 15 years of experience in payments covering strategy, authentication, fraud risk, business intelligence, machine learning model development, and customer-centric product design.
Before joining Visa, Frederick was a data architect at IBM Global Services, and a consultant with Ernst and Young, where he managed large-scale e-commerce application development for global companies. Fred holds a B.S. degree in Accounting and International Business from the University of Washington in Seattle.
Antonio has been working at the EBA for 3 years on payments-related topic. He has led the development of a number of PSD2 mandates, the EBA Opinions on SCA and eIDAS, the EBA PSD2 Register and the work on PSD2 Q&As. He has also been actively involved in the EBA API WG and the major incident reporting under PSD2. He has lead the development of the EBA flagship publication in the consumer protection space – the Consumer Trends Report. Before joining the EBA, Antonio was a head of unit at the Bulgarian National Bank and responsible for authorisation and supervision of payment service providers. Antonio was also a senior expert in a project for transposition of PSD and EMD in the Macedonian legislation. He also used to teach Banking in a university in Bulgaria.
Philippe de Brossard has worked at Société Générale since 2001 in various roles, including head of commodities operations and interest rates derivatives.
In 2011, Société Générale created a team dedicated to OTC clearing operations in interest rates derivatives, credit derivatives and non- delivery forward, in order to optimize collateral at each CCP.
Since one year he worked as Global Head of Client Experience within the Corporate and Investment Banking Department
Philippe played rugby during long years and his hobby is wine , he is making his own wine in the South East of France
As Product Owner Anne Vos is responsible for further developing Open Banking and Partnerships in Erste Group. With the development of the Erste API Hub, our Group has committed to becoming more open and embracing the future of API banking.
Catalina Arateanu has been working for Raiffeisen for 15 years and held various management roles in Raiffeisen Bank Romania. Since the beginning of 2019 she joined the RBI team in Vienna, where her current role is Product Owner of the Group API Marketplace. Catalina believes that great customer experience is key for growth and development and is a great advocate for providing such an experience through digital. Before joining Raiffeisen, she got degrees from the University of Bucharest and the Romanian Academy for Economic Studies and she worked for ABN Amro Romania.
Raphael D’Ostuni is in charge of Strategic Marketing and Open Banking at Keytrade Bank.
His role is to support Product and Marketing teams in shaping and implementing the Marketing strategy, while identifying threats and opportunities to the business.
In this role, Raphaël coordinates reflections on Open Banking partnership opportunities.
He has 9 years experience within the Financial Industry in Project management, Innovation and Marketing departments.
As of 1 February 2014 Gijs Boudewijn (1958) holds the position of Deputy General Manager at the Dutch Payments Association. Before that he was responsible for payments at the Dutch Banking Association. He has extensive experience in domestic as well as international payments issues, governance, competition law and fraud prevention. He started as an in-house lawyer at a large Dutch savings bank, and later became Head of Legal Affairs at the central Dutch clearing house, Bankgirocentrale, the predecessor of equensWorldline.
In 1998 Mr Boudewijn joined the Dutch Banking Association as Head of Payments and Security Affairs, and in 2014 was appointed Deputy General Manager of the Dutch Payments Association. Currently Mr Boudewijn is Chair of the Legal Support Group of the European Payments Council (where he is also a member of the Board) and Chair of the Payment Systems Committee of the European Banking Federation. Over the past years he was in that capacity closely involved with matters relating to PSD2 and the various Regulatory Technical Standards of the European Banking Authority. Mr Boudewijn is a regular speaker at national and international conferences on payments and related issues, new technologies and open banking.
Dr. Jochen Wiedemann currently serves as Director in Identity & Access at the Chief Security Office for Deutsche Bank. During the last years, he was responsible for a large investment program in Identity & Access technology and compliance delivery. This also included the implementation of two-factor authentication (PSD2) for clients across businesses and internal workforce. Prior to his time at Deutsche Bank, he spent ten years at Accenture as a Senior Manager in Security & Technology Consulting. Dr. Jochen Wiedemann studied Computer Science at the Karlsruhe Institute of Technology (KIT) and completed his PhD in Economics at the University in Bochum. In addition, he was part of an Executive Program at London Business School (LBS). In his private life, he enjoys spending time with his daughters, plays tennis and sailing.
Anders Henrikson is one of the Verisec founders and COO. He holds an LL.M Private International Law and has focused much of his attention the past years on EU regulation surrounding Digital Identity and Data Protection, including PSD2, eIDAS and GDPR.
Andries is a Senior manager (Product Area Lead) within the fraud & Cybersecurity department of ING Market Leaders (BeNeLux) and has worked in various roles in ING. He has significant knowledge of the payments industry where he spent most of his career. Now he is responsible for all authentication and authorization solutions within ING market leaders, leading large scale implementations as PSD2, remote identification and the introduction of the ING scanner.
Alan Ainsworth is Head of Policy at the Open Banking Implementation Entity (OBIE). OBIE was set up by the UK’s competition regulator the Competition and Markets Authority to develop open banking standards and ensure effective implementation by the UK’s biggest banks, with the aim of driving competition and innovation in retail banking. Alan has led the work of the OBIE in focusing on the customers’ ease-of-use when using open banking, and was instrumental in adding app-to-app authentication and the Customer Experience Guidelines to the Open Banking Standard.
Alan has been interested in and involved in open data for financial services since the early days of the UK’s “midata” programme in 2011, where he was an original Steering Group Member. He has advised businesses on payments and open banking legislation including the Interchange Fee Regulation and the revised Payment Services Directive (PSD2).
Alan spent most of his career at Barclays, where he had senior roles in payments, retail banking, citizenship and government relations. He has also worked at global payments business Paysafe.
Rob Woods is the Lead Product Owner at Lloyds Banking Group for Strong Customer Authentication, with responsibility for shaping regulatory / future authentication and identity strategy to optimize customer experience. In this role, Rob is focused on the strategic direction of the major transformation roadmap and delivery pipeline improving the customer journey, while keeping consumers safe and secure online. He has spent nine years at Lloyds covering Fraud and Authentication roles.
With 30 years plus experience in AIB Group, Nadine has held a number of diverse roles in both UK and ROI that span branch banking, brand management, sales and marketing, product development, business development, project management.
Nadine has held a number of senior management roles in AIB’s Card Issuing and Acquiring business, Transaction Banking, Payment Products and most recently has been responsible for driving the Bank to full compliance with the PSD2 directive across the AIB Group (ROI, UK and EBS) in her role as Open Banking Programme Director.
Sami is an innovation dude and evangelist of future payments and retail ecosystems. Sami works at OP Lab. OP Lab is part of OP Financial Group
Rūta Merkevičiūtė is a Head of Division for E-money and Payment institution supervision at Bank of Lithuania, responsible for supervising over 100 E-money and Payment institutions. She is also a member of Lithuanian’s Payment council group, which is dedicated to investigate to further implementation of Open Banking in Lithuania.
She has professional legal qualification as an attorney-at law and for the past 10 years has been working both in private sector and financial sector’s supervision in the areas of responsibility that include AML, payments, open-banking, lending, crowdfunding, investment services, FinTech industry, Regulatory Sandbox and transposition of EU Directives such as PAD, PSD2 and AMLD4.
Bert Dobbelaere is a project manager for Digital Channels at BNP Paribas. His focus is on Strong Customer Authentication, as well as Account Aggregation via both PSD2 APIs and alternative approaches.
As the Open Banking and PSD2 Programme Manager for HSBC UK and Europe, Andrew works with retail, commercial and corporate businesses in defining and implementing Open Banking solutions. He currently is leading on the TPP Channel Strategy across UK & European jurisdictions. Andrew has spent the last decade leading strategic projects across Financial Services, including in Lloyds Banking Group, AIG and Permanent TSB, looking at future trends and disruptive technologies
Conny is the founding partner at BankiFi. She is listed on the 50 Most Influential Women in Fintech, Conny Dorrestijn has worked for over 25 years in marketing and business development roles in the international financial technology industry. Until December 2017 she was responsible for global payments marketing at FIS. In January 2018 she founded BankiFi (UK/NL) together with Mark Hartley, whose vision on the future of Open Banking serves as the main strategy for this consent centric ?from Gig to Big? Open Business Banking technology company. She is a frequent speaker/narrator at international events such as EWPN, BAI, EBA Day and Money2020, Blockchain Innovation Conference and many other industry events around fintech, payments, Open Banking and Blockchain.
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.
Katrien is a digital enthusiast keen on strategic transformation and challenging environments. After a management traineeship at Fortis AG, she started at KBC in life insurance. 15 years later, with a background in strategic innovation and data science, the new playground is Open & Beyond banking.
Phil Hong is EMEA Digital Channels Head for Citi’s Treasury and Trade Solutions business, and has responsibility for API, host-to-host, SWIFT and online banking customer channels, plus also statements, reporting services, and digital security. Digital Channels enable Citi’s corporate and institutional customers to access Citi’s global payments, collections, trade, supplier finance and other cash management services, including through the integration of client ERP and treasury management systems. Phil has played a leading role in Citi’s approach to PSD2 and Open Banking, participating in UK OBIE and UK Finance discussions. Prior to joining Citi in 2007, Phil spent four years at American Express managing commercial card products, and 12 years at Thomson Reuters in product, market management and technology roles, developing real-time dealing and market information products for wholesale financial markets.
Maurice has spent the last 15 years, taking care of the transformation of customer-facing channels in Intesa Sanpaolo, firstly for the Italian market and then in the International Subsidiary Banks Division. He leads the digital transformation process in all the subsidiary banks ecosystem of Intesa Sanpaolo, defining and implementing the strategic path of the transition from a “traditional” bank environment to an up-to-date, modern environment able not only to cope with technological and innovation changes, but also to exploit those changes for creating a competitive advantage. A passionate transformation and innovation addicted, he is present on the industry conferences, sharing his point of view and experience on the digital transformation journeys, evolving banking industry, digital strategy and customer experience