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EBAday 2025 Speakers

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Ainsley Ward
Ainsley Ward
Vice President, Payments Solutions
CGI

Vice President, Payments Solutions
CGI

Ainsley Ward is Vice President for CGI Payments Solutions, specializing in interbank, FX, & market infrastructures. He sits on the board of Scottish Archery and manages Scotland’s national team. Having previously lived in Toronto & Belgium, he brings international expertise, guiding banks through modernization and regulatory shifts. Ainsley previously worked with major companies running consulting at FIS, as 2FA Product Manager at MasterCard, and Senior Advisor to banks with ESBG. He’s recently chaired the Digital Pound Foundation Payments WG, architected BIS Nexus, and has many inventions & patents, currently focusing on AI in payments, SEPA Inst adoption, cloud, and sustainability. A Brunel University alumnus, he now resides in Scotland.
Akshat Saharia
Akshat Saharia
Head of European Financial Institutions Product and Propositions Global Payments Solutions
HSBC

Head of European Financial Institutions Product and Propositions Global Payments Solutions
HSBC

Akshat Saharia heads up the European Financial Institutions Payment Product team within Global Payments Solutions. He has over 20 years of experience in transaction banking with a focus on Correspondent Banking. Akshat has worked at various banks internationally in New York, Amsterdam and London. Before joining HSBC in 2019, Akshat headed up the Global Currency Clearing solutions for Financial Institution clients at Barclays in London. Akshat has a Master’s degree in Computer Science and also holds an MBA from the Stern School of Business at New York University.
Alexandre Eclapier
Alexandre Eclapier
EMEA Liquidity & Account Solutions
J.P. Morgan

EMEA Liquidity & Account Solutions
J.P. Morgan

Alex Eclapier is part of the Global Liquidity & Account Solution team within J.P. Morgan Payments. He is currently based in Paris after relocating from London in 2021.

As a Product Solutions Specialist, Alex currently covers the EMEA region, working with large multinational corporates and financial institutions. He has a demonstrated history of delivering global complex projects, advising clients on solutions to achieve best-practice operating models, and tailoring best-in-class liquidity solutions.

Prior to this, Alex worked as a Senior Treasury Project Manager at TotalEnergies’s Group Treasury, managing global cash management relationships and major treasury projects.
Alistair Brown
Alistair Brown
VP, Open Banking and Payments
EPAM

VP, Open Banking and Payments
EPAM

Alistair has held senior roles at American Express, Visa, MasterCard Advisors, and First Data, as well as partner-level positions at CapGemini and KPMG. At EPAM, he founded and leads the global Open Banking & Payments group, addressing key themes in Financial Services such as Digital Money, alternative payment methods, data monetization, and financial cybersecurity. He also established EPAM’s internal Academy for Open Banking & Payments, cross-training over 1,000 EPAMers. His recent work with the National Bank of Georgia developed five Use Cases for Central Bank Digital Currencies using Blockchain technology. Alistair is a Judge for the Payments Association Awards and sits on the Board of Armenia’s national switch, ArCa.
Anastasia Serikova
Anastasia Serikova
Head of Visa Direct for Europe
Visa Direct

Head of Visa Direct for Europe
Visa Direct

Anastasia Serikova is a Head of Visa Direct for Europe, Visa's capability to move money for businesses and consumers domestically and cross-border instantly in an affordable and secure way.
Prior to Visa, Anastasia worked at McKinsey&Company. She holds an MBA degree from Harvard Business School.
Andrea Meier
Andrea Meier
Executive Director
DZ Bank

Executive Director
DZ Bank

Andrea Meier is member of the Board of the European Banking Association (EBA) and has a wealth of experience in the banking and payments industry. She currently serves as Executive Director at DZ BANK AG. In this role, Andrea is responsible for leading her team in the development and implementation of innovative payment solutions and card solutions for cooperative banks and their clients, as well as corporate clients.

Prior to her current role, Andrea held various positions within DZ BANK, including leading the Business Development Unit in the Transaction Management Division.

Her academic background includes a degree in Business Law and a dual study program in Business Administration with a specialization in banking.
Andrea Pennacchia
Andrea Pennacchia
Head of Banking & PA Solutions
Nexi

Head of Banking & PA Solutions
Nexi

Andrea is a senior manager with 30 years of experience in the Financial Institutions and a demonstrated history of business transformation, restructuring and integration. As Executive VP in Nexi Group, he is now responsible for payment services and products development and offer to Banks and Public Administrations.

Before Nexi, Andrea has gained transversal knowledge of Financial Institutions by holding positions in various sectors, as General Manager of an Online and Financial Advisory Bank, CEO and General Manager of an Asset Management Company and deputy General Manager of an Insurance Company. Andrea had previously gained many years of experience working for McKinsey and for Accenture on several projects for financial institutions.
Anna-Fleur Felissent
Anna-Fleur Felissent
Global Head of Sales for Cash Clearing
Société Générale

Global Head of Sales for Cash Clearing
Société Générale

Anne-Fleur FELISSENT is Global Head of Sales for Cash Clearing since 2022. She joined Societe Generale in 2006 in the International Audit Division, where she held different positions, before moving to Global Transaction Banking in 2012. As Corporate Cash Management Global Sales, she was in charge of Large Corporates for Media & Telco, and Insurance. In 2018, she joined the Cash Clearing business line, with responsibilities as Regional Head of Sales, before being appointed Global Head of Sales in 2022.
Antoine Cuypers
Antoine Cuypers
Director Strategic Alliances & Key Accounts
Intix

Director Strategic Alliances & Key Accounts
Intix

Antoine has assisted financial institutions worldwide since 2002. As Director of Strategic Alliances and Key Accounts at Intix, he drives global business development for its transaction data management solutions. Previously at Telovia, he led business growth till the IP sale of its flagship solution to Fircosoft. At SIDE (later EastNets), he expanded operations and managed teams across Europe and the US servicing global transaction banks. He has overseen partner channels in Russia, CIS, Uk and Africa, securing key collaborations with commercial and central banks. Antoine uses his international experience to build high-impact partnerships that drive strategic growth and global value.
Arantza Yague
Arantza Yague
Commercialisation Manager for SEPA Global Payments Solutions
HSBC

Commercialisation Manager for SEPA Global Payments Solutions
HSBC

Arantza Yague is responsible for commercialisation of SEPA Products within Global Payments Solutions.

She has over 25 years of experience in transaction Banking with leading financial institutions worldwide, where she has held roles as eBanking Product Manager, Product Sales Specialist and Digital Transformation Manager.

Before joining HSBC in 2020, Aran was a Treasury Solutions Consultant at Bank of America Merryl Lynch

Arantza has a Master’s Degree in Communications Engineering by the University of London and has attended universities in Spain, France and Belgium.
Belema Parker
Belema Parker
Digital & Compliance Manager
Inovatic

Digital & Compliance Manager
Inovatic

Belema Parker is the Digital & Compliance Manager at Inovatic, a French fintech founded in 2005, specializing in intelligent data extraction out of financial statements.
She has been working alongside our team to actively prepare for compliance with the Digital Operational Resilience Act (DORA) and ISO 27001.

Belema closely follows compliance news and strongly believes that regulatory challenges are a powerful driver of innovation. During the session, she will demonstrate how banks can turn compliance into a strategic opportunity with a solution developed by Inovatic that combines security and confidentiality, helping them optimize processes and stay competitive.

She fully embodies Inovatic’s slogan: You lend, we care.
Bridget Meijer
Bridget Meijer
New Markets Manager at SurePay

New Markets Manager at SurePay

Bridget is the New Markets Manager at SurePay and a seasoned payments expert with 16 years of experience at major banks. Driven by a passion for innovation, she leads the expansion of the Verification Of Payee solution across Europe and beyond, collaborating with banks and financial institutions to combat fraud and streamline payments. With a customer-centric approach, Bridget is dedicated to delivering secure, frictionless payment experiences on a global scale. 
Bruno Mellado
Bruno Mellado
Global Head of Payments and Receivables
BNP Paribas

Global Head of Payments and Receivables
BNP Paribas

Bruno Mellado is global head of Payments and Receivables at BNP Paribas. He has held several senior positions within BNP Paribas since joining the bank more than a decade ago. Prior to that, Bruno served as project management consultant at the Canadian Border Services Agency and as business consultant at American Management Systems. He holds a BCOMM in Business Administration and Marketing from Queen’s University, Canada and an MBA in Finance from Solvay Business School, Belgium.
Chris Jameson
Chris Jameson
Head of Product Management - Global Payments Solutions EMEA
Bank of America

Head of Product Management - Global Payments Solutions EMEA
Bank of America

Chris Jameson is the Head of Product Management, Global Payment Services for EMEA. In this role he is responsible for the development and deployment of payments, receivables, FX, liquidity, commercial cards, channels and information services for both corporate and FI.
He has previously held roles leading sales teams, including head of FI Sales for EMEA, head of GPS Corporate Sales for Western Europe and head of GPS Sales, CEEMEA ex-Russia. Prior to joining the bank, Chris worked with Citigroup for eight years in Paris and London where he managed global treasury relationships with strategic French, British and Irish clients.
He has a Bachelor of Science degree in Accounting and French from the Queen’s University of Belfast.
Chris Skinner
Chris Skinner
Global FinTech Leader - CEO
The Finanser

Global FinTech Leader - CEO
The Finanser

Chris Skinner is known as one of the most influential people in technology and an independent commentator on the financial markets and fintech through his blog, thefinanser.com. He has written 18 books about finance and technology.
He has been recognised as one of the most influential figures in finance, fintech, technology and payments, receiving a lifetime achievement award from the UK payments association in 2023. He has been an advisor to the United Nations, the White House, the World Bank and the World Economic Forum, as well as governments and firms across the world. He is very much into mentoring children and runs a not-for-profit, the Portrait Foundation, has written many books for children including a free book, Fintech for Kids.
Christian Luckow
Christian Luckow
MD Payments
Danske Bank

MD Payments
Danske Bank

Christian Rhino
Christian Rhino
Chief Information Officer
Deutsche Bank

Chief Information Officer
Deutsche Bank

Christian Rhino has been Chief Information Officer (CIO) of Deutsche Bank's Private Bank since 1 February 2025. From August 2020 to December 2024, he was a member of the Management Board of Helaba Landesbank Hessen-Thüringen, most recently as Chief Information Officer (CIO) and Chief Operating Officer (COO). Previously, he held senior positions at Commerzbank, including Group Chief Data Officer. The industrial engineer has over 20 years of experience in the banking sector.
Christoph Thumm
Christoph Thumm
Head of Sales
Foconis Payment

Head of Sales
Foconis Payment

Christoph Thumm is a seasoned payments expert with extensive experience in developing innovative payment solutions. As Head of Sales at Foconis Payment, he leads strategic digitization initiatives to optimize processes and drive digital transformation in banking. In his presentation, Christoph will show how Payment-as-a-Service (PaaS) approaches, combined with containerization with cloud-native technologies, can unlock the full potential of state-of-the-art Verification of Payee (VoP) and Instant Payment solutions.
Christopher Gardner
Christopher Gardner
ISO 20022 Programme & Change Execution Director
Deutsche Bank

ISO 20022 Programme & Change Execution Director
Deutsche Bank

Christopher is a Programme & Change Execution Director within the Payments Transformation & Governance team in Deutsche Bank’s Technology, Data and Innovation division. He is leading the ISO20022 programme implementing holistic strategic technological change to meet the widespread industry demand, and deliver efficiency, stability and innovative benefits for clients.

With a career centred in Financial Services spanning close to three decades, Christopher has worked across industry sectors including Retail and Commercial Banking, Fixed Income, and Interdealer Broking.
Christophe Vergne
Christophe Vergne
Europe Market Development Executive Payments
Capgemini

Europe Market Development Executive Payments
Capgemini

Backed by a solid banking background, Christophe has played a critical role in building Capgemini’s global payments transformation capability, enabling major financial institutions transform and consolidate their leadership across all market segments and services. For over more than a decade, Christophe has been the co-author of the World Payments Report, contributing to making it the most successful publication on payments transformation. He is a thought leader, speaker, blogger and business advisor for the CXO’s in the payments industry.
Conor Colleary
Conor Colleary
Senior Vice President
Oracle Financial Services

Senior Vice President
Oracle Financial Services

Craig Ramsey
Craig Ramsey
Head of Real-Time Payments
ACI Worldwide

Head of Real-Time Payments
ACI Worldwide

Craig has 35 +years' experience working with banks globally with their payments needs. He has been with ACI for 20+ years, providing specialist consulting to banking customers. He has contributed to initiatives like Euro, CLS, SWIFTNet, UK Faster Payments, IPR, FedNow, NPP, Real-Time, and ISO20022, helping customers leverage the power of ACI solutions. As Global Head of Account-to-Account Payments, he ensures ACI's products are industry-leading. He advises major organizations like SWIFT, NACHA, and the US Federal Reserve, manages relations with the European Commission, Parliament and Council. He is an Executive Committee Member - European Credit Research Institute and serves on the US Faster Payments Council's Financial Inclusion workgroup.
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Damien Dugauquier
Damien Dugauquier
Co-founder & CEO
iPiD

Co-founder & CEO
iPiD

Damien is a payments industry veteran with deep expertise in cross-border transactions, compliance, and payment innovation. Before founding iPiD, he led teams at SWIFT across Asia and Europe, helping financial institutions modernize payment infrastructure.
With a strong background in data, analytics, and corporate sales, Damien has been at the forefront of transforming global payments. Now, as CEO of iPiD, he is driving the future of payee verification, making payments smarter, safer, and more seamless worldwide.
Daniel McLean
Daniel McLean
Deputy Head Digital Euro Project Team
European Central Bank

Deputy Head Digital Euro Project Team
European Central Bank

Following his MSc in Astrophysics, Daniel McLean moved into the area of payments. From 2006 – 2011 he worked in financial services for Accenture, specialising in large-scale payment implementation projects. He moved to the Central Bank of Ireland in 2011 and played a key role in developing the Irish National Payments Plan. In 2013 Daniel joined the ECB, where he works in the digital euro directorate. His current work focuses on developing the digital euro’s product for banks, intermediaries, merchants and consumers.
Daniel Stanton
Daniel Stanton
Managing Director; Global Head of Transactional FX - Cross Border RTP & Clearing - Global Payment Solutions
Bank of America

Managing Director; Global Head of Transactional FX - Cross Border RTP & Clearing - Global Payment Solutions
Bank of America

Daniel Stanton is Managing Director and Global Head of Transactional FX, Cross Border RTP and Clearing Product Management within the GPS organization. Daniel leads a team of global product professionals who oversee the day to day management of the Transactional FX, Cross Border RTP and Clearing product suites; including the global product growth strategy, investment governance, PnL Mgmt, key product focus areas and business risk mgmt. Daniel works in close collaboration with global core product and sales partners to promote payment and receipt capabilities, establish the marketing/commercialization approach, pursue and deepen client relationships and assist with driving innovation along with technology to provide cutting edge capabilities.
David Watson
David Watson
President and CEO
The Clearing House

President and CEO
The Clearing House

David Watson is the President and CEO of The Clearing House.
David has an international career spanning more than 20 years in the financial services industry. Prior to TCH David was with Swift, where he held roles as Chief Product Officer, and prior to that as Chief Strategy Officer.
Prior to Swift, David spent nearly 17 years with Deutsche Bank where he served in commercial, product and leadership roles. While at Deutsche Bank, David served as a director on TCH’s Payments Company Board for several years and was on the board of Deutsche Bank Trust Company Delaware.
David holds a degree in Business from Edinburgh University in his native Scotland and has lived in Germany, the UK and US.
Dave Birch
Dave Birch
Published Author and Top 100 Global Fintech Influencer

Published Author and Top 100 Global Fintech Influencer

David G. W. Birch is an author, advisor and commentator on digital financial services. He is an international keynote speaker and recognised thought leader in digital identity and digital money.
He is Principal at his advisory practice 15Mb Ltd. and Global Ambassador for Consult Hyperion, the consulting arm of Fime. He is Non-Executive Chairman of Digiseq Ltd and holds a number of other board-level advisory roles with companies in Europe and the USA.
Ranked one of 2022’s global top 30 fintech influencers, David is one of the top three most influential people in London’s FinTech community (City A.M.) and rated Europe’s most influential commentator on emerging payments (Total Payments).
David Voss
David Voss
Global Payments Services EMEA
Bank of America

Global Payments Services EMEA
Bank of America

David Voss is head of Payments and Receivables, Global Payments Solutions, for EMEA at Bank of America. David has regional product responsibility for core payments and receivables as well as Virtual Account Management, Pay By Bank and emerging payments. He also works with all regions to develop the company’s payment capabilities globally.

Most recently, David was Head of Commercial Cards for GPS EMEA where he was responsible for the product management, new business growth, sales support and account management for the EMEA commercial cards platform. Prior to joining the bank in 2017, he held a variety of senior sales, product and account management roles across Europe, including with G.E and AirPlus.
Debi Bell Hosking
Debi Bell Hosking
Senior Reporter
Finextra

Senior Reporter
Finextra

Debi Bell Hosking returns to the EBAday stage this year, keen to see where conversations land as future of payments and transaction banking strategies continue to change and adapt at a rapid rate.
Having freelanced for the Finextra TV team for well over 10 years, Debi has witnessed Europe’s Payments point of view first hand.
Outside of Finextra, Debi moderates events, panel sessions and roundtable discussions with leaders & innovators of AI in its various forms, discovering how they identify value and lessons learned along the way.
Leaning on her journalistic experience and performance training, Debi encourages all of those attending this year’s event to share their own experiences and be part of the discussion.
Deepa Sinha
Deepa Sinha
SVP, Payments & Financial Crimes
BAFT

SVP, Payments & Financial Crimes
BAFT

Deepa Sinha, the SVP for Payments and Financial Crimes at BAFT (Bankers Association for Finance and Trade), leads the association’s payments, cash management and financial crime-focused policy initiatives, and supports its related councils and committees. She is also the founder and lead for the Association’s Women in Transaction Banking initiative.
Prior to joining BAFT, Deepa accumulated more than 25 years of treasury and cash management experience at both corporations and banks. She formerly served as Treasurer at Caliburn International, now Acuity International, and as the Associate Vice President of Treasury - Banking Operations and Relationships at The Carlyle Group.
Deepa is a graduate of George Mason University in Fairfax, Virginia
Demis Estabridis
Demis Estabridis
Head of Innovation
Gini GmbH

Head of Innovation
Gini GmbH

Demis is passionate about innovation, payments, and everything that doesn't yet exist – a serial entrepreneur at heart and a corporate innovator by profession. Leading Gini's A2A payment initiatives, Demis designs new business models for our banking partners and partners-to-be. Among his main areas of focus are user research studies on banking apps and various experiments to understand consumer behavior both qualitatively and quantitatively. Further, he engages with banks and partners who want to join us in building more efficient payment rails based on SEPA credit transfer schemes (A2A).
Domenico Scaffidi
Domenico Scaffidi
Market Infrastructure Advisor - Payments Innovation Bank of England - SAP Member - Executive Director
Unifits

Market Infrastructure Advisor - Payments Innovation Bank of England - SAP Member - Executive Director
Unifits

30-year career in Banks, central banks, and PSPs, leading brand technology providers to the payments industry, real-time Cross-Board Payments, Liquidity Management, helping the industry building sustainable Business Cases and competitive Business models.
Dome is known as a global market infrastructure and payments expert. Specialised in strategic initiatives to deliver effective results, participating in critical decision-making processes while working proactively with cross-functional teams to drive competitive advantage, ensuring compliance with regulatory and Market requirements identifying new business opportunities.
Edwin Sanders
Edwin Sanders
Head of Innovation Retail
Rabobank

Head of Innovation Retail
Rabobank

Edwin Sanders is currently responsible for Innovation within the Retail division of the bank. His role involves developing and driving the innovation strategy, identifying pertinent technological advancements in retail banking globally, and translating and integrating these into the bank's operations. Additionally, he manages and develops a portfolio of innovations to accelerate the retail strategy.

Edwin is an experienced strategist with a keen awareness of developments relevant to the bank. He effectively leverages these insights to further the bank’s strategic goals. He brings a sharp external perspective and possesses extensive knowledge of the retail banking sector.
Elena Casal
Elena Casal
Chief Client Officer
The Clearing House

Chief Client Officer
The Clearing House

Elena Casal is the Chief Client Officer at The Clearing House, responsible for creating and managing the holistic experience for its customers and partners. This role includes growing the RTP® network across U.S. financial institutions, evolving the customer engagement model for all TCH payments networks and promoting the company’s work to its diverse target segments. Elena has deep experience with product and customers in the payments industry, working across financial services companies as well as market infrastructures within the global enterprise payments landscape. Elena currently serves on the Women in Payments Advisory Board, the P20 Board as well as the Girls on the Run Board.
Elena Gomez
Elena Gomez
Managing Director UK and Europe Domestic Payments Head
Citi Services

Managing Director UK and Europe Domestic Payments Head
Citi Services

Elena leads strategy, commercialization, product development, and management of mature and emerging payments and receivables solutions in the UK and Europe. Previously, she was Head of Global Instant Payments, overseeing Citi’s Instant Payments solution. With over 20 years in Financial Services since joining Citi in 2004, she has held roles in Network, Operations, and Product Management, supporting various Payment and Receivables solutions and contributing to industry forums. Elena holds a BA in English Studies from UAM Madrid and a Master’s in Financial Services from University College Dublin.
Emanuela Saccarola
Emanuela Saccarola
Head of Cross Border Payments
Citi Services

Head of Cross Border Payments
Citi Services

Emanuela is Head of Cross Border Payments in Citi’s Treasury and Trade Solutions, managing solutions in ~200 countries. She leads strategy, P&L, product development, risk, and market partnerships. Recent innovations include real-time payments and Global Beneficiary Services. At Citi since 2003, she previously worked at Goldman Sachs in M&A and Equity Research. She holds a Master’s in Economics from NYU and a degree from Ca’ Foscari University in Venice. Emanuela has served on multiple advisory boards and is a yoga practitioner and skier. She lives in Dublin with her husband and two sons.
Emmanuel Baviere
Emmanuel Baviere
Financial Services Industry Advisor
Microsoft

Financial Services Industry Advisor
Microsoft

Emmanuel Baviere is a seasoned expert with over 20 years of experience in the financial services and technology sectors. Currently, as a Microsoft Financial Services Industry Advisor, Emmanuel excels in integrating Microsoft technologies such as GenAI, Data, and Cloud to meet the evolving needs of banking enterprises. His role involves optimizing execution, protecting revenue, and developing innovative services.
Esther Galiana
Esther Galiana
Head of Cross-border Payments and Cash Management Solutions
BBVA

Head of Cross-border Payments and Cash Management Solutions
BBVA

Esther Galiana is Head of Cross-border Payments and Cash Management Solutions at BBVA. Prior to this she was the Global Head of Financial Institutions at BBVA Global Transaction Banking. Ms. Galiana also has extensive investment banking experience combined with corporate experience in the health care sector. Additionally, she has been active in strategy and business development at BBVA E-Commerce and BBVA Wholesale Banking & Asset Management. Prior to BBVA she worked with Santander New York covering large Latin American corporations in Structured Trade Finance. Ms. Galiana started her career with the Federal Reserve Bank of Boston. She has been Vice Chair of BAFT and member of its board of directors.
Evert Vandenbussche
Evert Vandenbussche
General Manager, Payments & Sourcing
KBC Global Services

General Manager, Payments & Sourcing
KBC Global Services

Starting my career in the KBC Group more than 30 years ago, I have been working in most of the KBC Core Countries in Central Europe (CZ, SK HU), Ireland and Belgium in various managerial roles. Having a background in Operations, IT and risk management, I am currently as a GM within KBC Global services responsible for the Group Payments Expert Unit and SWIFT.
Fabian Meyer
Fabian Meyer
Leading Strategy Consulting in EMEA, Managing Partner at CORE
Tech ThinkTank within EPAM

Leading Strategy Consulting in EMEA, Managing Partner at CORE
Tech ThinkTank within EPAM

Fabian Meyer is leading Strategy Consulting in EMEA and is a Managing Partner at CORE, a Tech ThinkTank within EPAM. He is focusing on complex transformations, particularly those focused on digitalization within the banking and payments industry. He possesses extensive consulting expertise in the financial services and transformation engineering, supporting numerous clients in developing strategy, designing, and executing M&A projects and complex transformation initiatives.
Frantz Teissèdre
Frantz Teissèdre
Head of Interbank Relationships
Société Générale

Head of Interbank Relationships
Société Générale

Gauthier Jonckheere
Gauthier Jonckheere
Director Treasury Services EMEA Head of Growth & Sales Strategy
BNY

Director Treasury Services EMEA Head of Growth & Sales Strategy
BNY

Gauthier is a seasoned transaction banking professional with over 15 years of experience in the industry.
In his current role at BNY Mellon, Gauthier is leading the Treasury Services EMEA Growth and Sales Strategy.
Prior to this role, he spent 15 years working for J.P. Morgan in different roles in London, Paris and Brussels.
Gauthier holds a Master degree from ICHEC Business School
Gayathri Vasudev
Gayathri Vasudev
Global Head of Cross-Border Payments
JP Morgan

Global Head of Cross-Border Payments
JP Morgan

Gayathri Vasudev is the global head of Cross-Border Payments at J.P. Morgan, where she sets strategy and develops solutions for market needs, leveraging JPM’s leadership in Global Clearing & FX. She focuses on product solutions, go-to-market strategies, business initiatives to maximize P&L, and risk management. Previously, she led roles in cross-currency payments, Global Clearing Product, and a global team of Product Solutions Specialists. With over 20 years in financial services and technology, including 15 years in global sales and product management, she has spoken at industry forums like Women In Payments and SIBOS. Gayathri holds an MBA from IIM Calcutta and a Bachelor of Engineering from BITS Pilani.
Gilbert Verdian
Gilbert Verdian
Founder and CEO
Quant

Founder and CEO
Quant

As Founder and CEO of Quant, Gilbert is focused on unlocking the power of blockchain for everyone, to create an empowered, interconnected world.

Gilbert has more than 20 years of cybersecurity experience and C-level accountability as a CISO, CIO and CTO. He has worked in government – for Downing Street, HM Treasury, the Cabinet Office, Ministry of Justice and NSW Health – and has also served in the private sector, at Mastercard, Vocalink, CSC, EY, PwC, BP and HSBC.

With a keen interest in disruptive technology, Gilbert established the Blockchain ISO Standard TC307 initiative in 2015 and is the Convenor of the Interoperability working group WG7 for ISO.
Giorgio Andreoli
Giorgio Andreoli
Director General
European Payments Council

Director General
European Payments Council

Giorgio Andreoli is the Director General of the European Payments Council (EPC). He has extensive professional experience in digital financial solutions and innovative services, spanning multiple industries and executive roles.

For over 15 years he has been working in telco sector, eventually serving as Director of Strategic Marketing at Ericsson South-East Europe, where he contributed to starting up the first mobile money program.

Later, for over ten years, he served as a Managing Director at Accenture, working on digital finance, payments and open banking projects for Italian and European clients.

Before joining the EPC, Giorgio was working at the European Central Bank (ECB) on the Digital Euro project.
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Hays Littlejohn
Hays Littlejohn
CEO
EBA Clearing

CEO
EBA Clearing

Hays Littlejohn is CEO of EBA CLEARING, the leading private-industry provider of pan-European infrastructure solutions for euro payments. Prior to that, he held managerial and executive positions in global transaction banking at UBS, covering the areas of product management, relationship management, sales, business development and market infrastructures. Hays also served on the Boards of CLS and EBA CLEARING.
Heather Xiao
Heather Xiao
Founder and CEO
Horizon Zero

Founder and CEO
Horizon Zero

Heather is the founder and CEO of Horizon Zero, a smart data research and consulting company helping businesses to strategise and connect with open ‘X’ data sharing ecosystem, create new business models, products and service offerings.
Prior to this, Heather served as Product and Operations Director for Open Banking (OBL/OBIE) and a member of its Exco. She also served as UK and Europe regional lead in API Banking at Standard Charted Bank, and led open ‘X’ , digital banking initiatives at other world leading businesses in the UK, Europe and Australia.
Heather absolutely believes progressing open, secure data sharing will transform to our lives, and is passionate in contributing and collaborating in this thriving digital innovation ecosystem.
Helena Forest
Helena Forest
Executive Vice President - Global Product & Commercial - Real Time Payments
Mastercard

Executive Vice President - Global Product & Commercial - Real Time Payments
Mastercard

Dr. Hubertus von Poser
Dr. Hubertus von Poser
Head of Sales and Consulting Payments
PPI

Head of Sales and Consulting Payments
PPI

Dr Hubertus von Poser (60) is member of the board of management of PPI. Dr v. Poser is head of PPI's sales, consulting and project units for payments, leading a team of more than 140 payments experts in Europe. He started his career in the financial services sector in 1995 at Bankgesellschaft Berlin AG. In 2001, he started working in the consulting business. Before joining PPI, he worked for KPMG Consulting and Capgemini Consulting. For almost 20 years, Dr v. Poser has had his focus on the payments industry, covering all aspects from strategy and business to IT consulting. During his current assignments Dr von Poser is working as a project leader, interim executive manager, or steering board member.
Isabelle Poussigues
Isabelle Poussigues
MD/Global Head of Products and Network Global Transaction Banking
Société Générale

MD/Global Head of Products and Network Global Transaction Banking
Société Générale

Graduated from EDHEC French Business School, Isabelle POUSSIGUES has over 20 years of experience in various areas in banking environment. She joined Société Generale in 2005 and took over different positions for the Retail Bank, from Office Manager until Risk Director passing though the management of Corporates clients portfolio. In 2011 she is appointed Senior Banker Deputy for the Mid-caps Coverage Desk.
Then Isabelle joined Cash Clearing Services as Head of Network Management in 2016. Her responsibilities widen in 2021 when she is appointed Global Head of Products and Network. Consequently, she has a diversified profile mixing Corporates financing, payments expertise and management.
Isabelle Olivier
Isabelle Olivier
Head of Visa Direct Southern Europe
 Visa Direct

Head of Visa Direct Southern Europe
 Visa Direct

Isabelle Olivier joined Visa in July 2023.

She is responsible for the business development of Visa Direct in Southern Europe.

Before joining Visa, Isabelle worked for 21 years at Swift where she held various Sales and strategic Project Management functions in Italy and Belgium.

She has been responsible for the go-to-market activities around gpi, Instant Payment solutions and the Eurosystem Target 2 projects.

Isabelle started her career at Euroclear Bank Belgium where she held various Operations Management functions for 7 years.

Isabelle holds a Commercial Engineer degree from the IAG University of Louvain-la-Neuve in Belgium and a Master in European Management (CEMS) obtained at the Italian Università Bocconi in Milan.
Isabel Schmidt
Isabel Schmidt
EPO Payments Enablement Platform
BNY

EPO Payments Enablement Platform
BNY

Isabel is the Executive Platform Owner for BNY’s Enterprise Payments Enablement Platform. She has over 25 years of experience in global cash management, driving strategic planning and business development and product & market management. Prior to her current role, she co-led BNY’s Payment Product team in Treasury Services where she shaped and executed the product strategy and development for BNY’s Global Clearing and FX Payment product offering for domestic and global clients and our Asset Account Services solutions for NBFIs. Before joining BNY in 2019, Isabel led Deutsche Bank’s Cash Management product management function in the Americas and previously held a number of senior positions at Deutsche Bank and JPMorgan.
Jacques Vanhautere
Jacques Vanhautere
Director General
SEPAmail.eu

Director General
SEPAmail.eu

Started his career at MATIF SA (Euronext), former C.E.O. of the C.R.I. French Market Infrastructure for HVP (Swift based including TARGET) for 15 years, former C.O.O. of LCH Clearnet. Since May 2015, he is C.E.O of SEPAmail.eu, the French infrastructure in charge of secured interbank messaging scheme that cover as well IBAN name check, RTP and Banking account switching. Expert on E-Invoicing and RTP, representative designated by the French banking community as member and co-chair of the EPC/ERPB E-Invoice Presentment &Payment Multi-Stakeholder Group (MSG) and since 2024, Chairman of the EPC SRTP TF. Member the EPC SPAA MSG, EPC API VoP WB, EDS JWB and Cochairman of the EPC API Security Framework JWB.
Jean-François Mazure
Jean-François Mazure
Global Head of Cash Clearing Services
Societe Generale

Global Head of Cash Clearing Services
Societe Generale

With 24 years of experience in the corporate banking industry, Jean-François Mazure has an extensive knowledge of inter-bank activities.
Jean-François joined Societe Generale in 1993; he then held several managerial positions in the French retail network, primarily working with SME and large corporate clients. In 2011, he was appointed Senior Banker with a portfolio of key agribusiness corporate clients, mainly in the French cooperative sector.
In 2015, he was then named Head of Cash Clearing Services, one of the four global business lines within Societe Generale's Global Transaction & Payment Services division.
Jean-Francois is a graduate of the ESCEM Tours business school and the University of Ottawa.
Jenni Himberg-Wild
Jenni Himberg-Wild
Managing Director, Head of FI & Fintech Europe
Barclays

Managing Director, Head of FI & Fintech Europe
Barclays

Jenni is the Head of Financial Institutions for Barclays Europe, leading a pan-European team of dedicated coverage bankers specializing in payment, liquidity and FX solutions for Bank, Fintech and Broker Dealer sectors. Jenni sits on both Barclays Europe Corporate Bank and Barclays FI Global Management Teams and is responsible for setting and executing the European strategy for the sectors under her stewardship.
During her 19 years in corporate banking, she has previously led the UK Fintech sector alongside various positions within the UK Corporate Bank including the hospitality & leisure industry where she led the delivery of strategy and governance processes associated with related high risk sectors.
Jenny Winther
Jenny Winther
Head of Payment Schemes
Handelsbanken

Head of Payment Schemes
Handelsbanken

Jenny Winther has more than 25 years’ experience in working with payment infrastructure. She is currently working at Handelsbanken as Head of Payment Schemes. She is a member of the EBA Clearing Board and also participates in several committees and working groups in the EPC and Nordic Payments Council (NPC) as well as at Finance Sweden and the Swedish central bank.

Before joining Handelsbanken, she held a key role in the ongoing transformation of the Nordic payment infrastructure as Secretary General for the NPC. Prior to that, Jenny worked for Bankgirot as Head of Payment Products and Services with responsibility for all payment and clearing services. She has a background as a business consultant in payments and payment infrastructure.
John Hutton
John Hutton
Global Head of Payments
LexisNexis Risk Solutions

Global Head of Payments
LexisNexis Risk Solutions

John Hutton is a senior payments leader with 25 years’ experience shaping large scale payment systems. As Director of Payments & Head of Payment Services/Operations at Nationwide Building Society he set strategy, technology roadmaps, controls and regulatory engagement. Previously, at Barclays he was Director of UK Payment Operations, Director of Payments & Sanctions for Absa Bank (South Africa) and led Investigations, Reconciliations and Servicing for Barclays Corporate Bank. John chaired Payments20 and sat on the boards of Faster Payments, Payments UK, UK Finance (Payments & Products Board) and Open Banking UK. He now leads LexisNexis Risk Solutions’ global payments strategy and portfolio, helping clients boost efficiency worldwide.
Jonny Keir
Jonny Keir
Head of Payments Execution
NatWest Group

Head of Payments Execution
NatWest Group

Jonny Keir leads the delivery of major change across Natwest Group’s payments landscape. His focus is on Payments Technology for Domestic and International markets, ensuring that complex change is delivered reliably, at scale, and in line with shifting customer and regulatory expectations.
With a background in delivery and transformation, Jonny is used to working across teams to tackle legacy challenges, modernise infrastructure, and implement practical, scalable solutions. He’s particularly focused on the operational realities of moving toward an instant and 24/7 and instant payments world — and what that means for architecture, resilience, and service.
Joost Bergen
Joost Bergen
Facilitator of the EBA Liquidity Management Working Group

Facilitator of the EBA Liquidity Management Working Group

Joost Bergen has extensive experience in corporate treasury, liquidity ecosystems, and innovation. Over a decade ago, he founded Cash Dynamics, an advisory firm specializing in Corporate Treasury, Transaction Banking, and technology. Previously, Joost held strategic advisory roles with banks and was a partner at a treasury advisory firm. He currently supports banks in Transaction Banking and liquidity strategy and innovation, with a focus on technology. Joost also creates training programs and delivers executive courses at institutions like Amsterdam Business School and the INSEAD alumni association. He co-authored a book on Cash Management and support fintech’s in a board advisory capacity.
Jude Pinto
Jude Pinto
Chief Delivery Officer
Payments Canada

Chief Delivery Officer
Payments Canada

Jude Pinto, as Payments Canada's Chief Delivery Officer, brings more than 30 years of experience in senior- and executive-level leadership positions within the financial services sector. He has successfully led business transformation and innovation nationally and internationally. As the payment systems that underpin Canada’s financial ecosystem continue to evolve, Jude is responsible for leading large-scale delivery programs to support Payments Canada’s vision for a Canadian payment ecosystem that is resilient, inclusive and enables fair competition as the foundation of Canada’s thriving economy. Jude works alongside Payments Canada business and technology experts, members, stakeholders and regulators to deliver these complex programs.
Justin Brearley-Smith
Justin Brearley-Smith
Global Product Lead
J.P. Morgan

Global Product Lead
J.P. Morgan

Justin serves as J.P. Morgan’s Global Product Lead and has responsibility for the firm’s ISO 20022 payment adoption initiative which represents a major shift in the way high-value payments are initiated, processed and settled between institutions and corporates. His experience and applied expertise spans treasury and payments product, technology, account services and vendor management and helps to ensure J.P. Morgan’s clients can optimize cross-border, ach and real-time payments.
Kannan Rasappan
Kannan Rasappan
CEO
Banfico

CEO
Banfico

A Verification of Payee expert who has worked at and advised leading financial institutions, including RBS, HSBC, WorldPay, and Lloyds Banking Group. An active participant in key payment security forums, such as the Payment Security Support Group (PSSG) of the European Payments Council and the Berlin Group. Founder and CEO of Banfico, a fintech company offering a plug-and-play SaaS solution for Open Banking and Verification of Payee, designed to help banks achieve regulatory compliance with minimal integration effort.
Karim Ahmad
Karim Ahmad
Partner
Bain & Company

Partner
Bain & Company

Karim has 25 years of experience as an advisor and operator in the payments industry. He now advises participants in the payments industry on product and technology-led growth. His experience spans the cards, remittance, crypto, and Account to Account sectors in payments. He splits his time between Private Equity and Corporate clients.

In addition to supporting clients on all things payments, Karim is a core member of the Enterprise Technology, Fintech, and Performance Improvement practices at Bain.
Karyna Hutarovich
Karyna Hutarovich
Business Product Specialist, Corporate Bank
Deutsche Bank

Business Product Specialist, Corporate Bank
Deutsche Bank

Karyna Hutarovich is a Vice President in Corporate Bank at Deutsche Bank, serving as a senior Business Product Specialist representative within the SWIFT & Industry Engagement team. She plays a leading role in shaping the bank’s strategic positioning across key payments industry initiatives, with deep expertise in ISO 20022, payment exceptions and investigations, and SWIFT Transaction Manager processing. Karyna is a member of the CPMI Cross-Border Payments Interoperability and Extension (PIE) initiative, where she contributes to Task Team 3’s mission of fostering harmonisation of ISO 20022 data requirements. In addition to her external engagements, Karyna heads the process performance monitoring stream within the Business Architecture team.
Kate Pohl
Kate Pohl
Moderator
Euro Banking Association

Moderator
Euro Banking Association

Kate is passionate about supporting transformation + digitalization, also by building bridges between old + new technologies. She has 30+ years of experience in commercial banking including transaction services (cash, trade, securities), relationship mgt. and risk (credit, compliance, operational). Kate has held senior positions with local, regional, + global responsibilities with five major banks: BNY, JPMC, ABN Amro, Citi + ING in NYC, Amsterdam, + Frankfurt. Kate has built + optimized sales, product mgt., implementation, + client services. Today she supports FIs, corporates + start-ups in their quest to become more effective and efficient. She works full time as Head of Sales for Projective Group DE + supports the EBA as a facilitator.
Katja Heyder
Katja Heyder
Head of User Relations
EBA CLEARING

Head of User Relations
EBA CLEARING

Katja Heyder is Head of Marketing & User Relations at EBA CLEARING, the leading private-industry provider of pan-European infrastructure solutions for euro payments, including the systemically important payment systems EURO1 and STEP2 as well as the instant payment system RT1. Katja has been with the company since 2006 and was instrumental in the successful implementation of the STEP2 SEPA and RT1 Services. She also serves as regional representative for, among others, Austria, Germany and Switzerland.
Katja Lehr
Katja Lehr
Europe Product Head and EMEA Payments and Industry & Advocacy Lead
J.P. Morgan Payments

Europe Product Head and EMEA Payments and Industry & Advocacy Lead
J.P. Morgan Payments

Kevin Flood
Kevin Flood
Head of European Growth Office
FIS

Head of European Growth Office
FIS

Kevin’s experience spans banking and capital markets both as a bank employee and as a consultant in one of the big four. A recognised strategic transformation leader with extensive experience across financial services, and a track record of delivering large complex change globally, with a primary focus on the payments industry. Currently working within the Growth Office for Corporate & International Banking with a focus on Europe. Kevin is responsible for looking across the European landscape for Banking & Payments solutions and offerings, helping to bring together a connected and forward looking set of solutions for a wide and diverse client base, successfully achieving better outcomes for clients
Kjeld Herreman
Kjeld Herreman
Founding Partner
Paylume

Founding Partner
Paylume

Kjeld Herreman is a founding partner at Paylume, a consulting firm specialized in payments and fraud prevention. He has acquired over 15 years of experience in the payments industry. Having worked with corporates, banks, payment service providers, fintechs, market infrastructures, associations, and payment networks on their strategic payment challenges on across multiple continents, he has a 360° view on the payments processing ecoystem.
Krister Billing
Krister Billing
Deputy Chairman of the Board
Euro Banking Association

Deputy Chairman of the Board
Euro Banking Association

Leo Lipis
Leo Lipis
Chief Executive
Lipis Advisors

Chief Executive
Lipis Advisors

Leo Lipis is the founder of Lipis Advisors and has over 25 years of experience in payment systems management, consulting, and research on all six continents. Prior to founding Lipis Advisors in 2007, he held positions in payments strategy and analysis with commercial banks, clearing houses, and central banks.
Leo works chiefly in transaction banking, payment system strategy and design, and treasury management. Under his leadership, Lipis Advisors has completed engagements for more than 200 clients on topics ranging from payment product and marketing strategy, payment system analysis and design, operational improvement, risk management, regulatory compliance and many other topics.
Liliana Fratini Passi
Liliana Fratini Passi
Managing Director
CBI

Managing Director
CBI

Ms. Liliana Fratini Passi, CBI’s Managing Director, also serves as Vice Chair of the International Supply Chain Program at UN/CEFACT. She holds the position of Italian UNINFO Delegate and member of ISO 20022 RMG . A recognized opinion leader keynote speaker, and author of numerous articles and papers, she is highly regarded in the fields of digital financial services, electronic payments, open banking, open finance, and gender equality. Among her accomplishments, more recently, in 2024, she was awarded for the “Standout Woman 2024”, in 2023 she was named one of Fortune Italy's 50 Most Powerful Women, recognized for her leadership, commitment, and impact across various industries.
Lu Zurawski
Lu Zurawski
Payment Specialist - PSR Strategy Unit
Payment System Regulator

Payment Specialist - PSR Strategy Unit
Payment System Regulator

Lu Zurawski is a payment systems expert, helping the UK Payment Systems Regulator with strategy, engagement, and analysis.

Works on long-term initiatives, guided by trends, signals and insights that shape the future of UK Payments Systems and related digital ecosystems.

During a career in commercial product management, worked on opportunities coming from legislation, public policy, and regulatory drivers. Curiosity led to a transfer to the "other side", into the public sector just over a year ago.

Known for thought-provoking viewpoints on digital infrastructure, core payment systems, digital identity and authentication, personalised data controls and consent management.

Seeks the best outcomes for citizens, consumers, and businesses.
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Manuel Thomet
Manuel Thomet
Head of Embedded Finance and BaaS
Synpulse

Head of Embedded Finance and BaaS
Synpulse

Dr Manuel Thomet is an Associate Partner at Synpulse, where he leads the Embedded Finance & BaaS team. He is the initiator and co-author of "Embedded Finance and BaaS in Switzerland: Outlook 2024".
A self-described pracademic, he combines academic insight with hands-on expertise. He is passionate about elevating digital customer and employee experiences and is committed to translating bold ideas and hypotheses into tangible results through collaborative innovation.
With a career spanning over 25 years, he has helped shape and implement innovative initiatives across financial services and beyond. His work centres on driving digital transformation through the development of future-ready business and operating models for banks and non-banks.
Marc Recker
Marc Recker
Global Head of Client Solutions and Partnerships in Institutional Cash Management
Deutsche Bank

Global Head of Client Solutions and Partnerships in Institutional Cash Management
Deutsche Bank

Marc Recker is the Global Head of Client Solutions and Partnerships in Institutional Cash Management at Deutsche Bank, focusing on strategic direction for key clients and identifying trends for new products and services. With over 25 years in financial services, Marc represents Deutsche Bank in industry forums like the Swift working groups, EBA/EURO 1 business committee, BAFT Global Payments Industry Council, and the BIS Agora project. He has held product management and operations roles at JPMorgan and ING and holds a bachelor’s degree in foreign trade from Liège Management School, Belgium.
María Ávila
María Ávila
Chief Revenue Officer

PagoNxt Payments

Chief Revenue Officer

PagoNxt Payments

Marie-Christine Diaz
Marie-Christine Diaz
Senior Business Strategy Manager for Payments


Eastnets

Senior Business Strategy Manager for Payments


Eastnets

Seasoned payments professional, Marie-Christine is responsible for the development of the Payments business in Europe at Eastnets since January 2023. Previously, she had various Market and Product Manager and consulting roles at SWIFT, where she developed over the last 20 years the low value and high value payments business, including more recently the Instant Payment business, multi-network interfaces portfolio and resiliency services.
​​Marianne Demarchi​
​​Marianne Demarchi​
Chief Executive Europe, Middle East & Africa​
Swift

Chief Executive Europe, Middle East & Africa​
Swift

Marianne Demarchi has over 25 years’ experience in financial and banking services across fintechs and global corporations, covering business development, digital transformation and company management. In 2022, she joined Swift as Head of European Strategic Accounts, appointed Chief Executive Europe later that year. In January 2024, her role expanded to cover the Middle East and Africa. From 2017 to 2021, Marianne was COO and member of the Board of Monext. She previously worked in senior marketing and sales roles at BNP Paribas Asset Management . From 2008 to 2021 she served on the Distribution Executive Committee. Prior to this she spent 15 years at Euronext, supporting the Paris stock exchange to become a pan-European stock exchange.

Martin Runow
Martin Runow
Head of European Product TxB
Goldman Sachs Bank Europe

Head of European Product TxB
Goldman Sachs Bank Europe

Martin is the Head of Product for Europe at Goldman Sachs Transaction Banking. He has joined in 2024 and is based in Frankfurt. Before joining Goldman Sachs he has held various cash management and payments leadership positions at Barclays in London and Deutsche Bank in Frankfurt, New York and Zurich.
Matthieu Perret
Matthieu Perret
Project Leader – Fraud Awareness & Prevention
BNP Paribas

Project Leader – Fraud Awareness & Prevention
BNP Paribas

Matthieu PERRET is in charge of Fraud Prevention offers for Cash Management at BNP Paribas since 2021, including Verification of Payee solutions. He joined the bank in 2011 and occupied several positions in the group within Commercial, Personal Banking & Services and Inspection General.
Miguel Palmer
Miguel Palmer
Head of Product
Gini

Head of Product
Gini

Miguel Palmer is Head of Product at Gini, where he leads the development of cutting-edge payment solutions that connect banks and other industries through seamless experiences. With over a decade of experience in the financial technology sector, Miguel has played a key role in shaping digital payment products across e-commerce, Buy Now, Pay Later (BNPL), and banking, including previous roles at Klarna. He is passionate about driving customer-centric innovation, simplifying complex financial journeys, and helping financial institutions stay ahead in a rapidly evolving market.
Monika Jacob-Schnitzius
Monika Jacob-Schnitzius
Deputy Head of Non-Financial Risk & Controls Institutional Management
Deutsche Bank

Deputy Head of Non-Financial Risk & Controls Institutional Management
Deutsche Bank

Monika Jacob-Schnitzius is Managing Director within the Institutional Cash and Trade organisation, acting as the Deputy Head of the Non-Financial Risk and Controls team.

She is based in Frankfurt, Germany, and is mainly responsible for risk appetite, 1 LoD control design and non-financial risk reporting.
Prior to her role, she was the programme manager for the implementation and evolution of the Correspondent Banking Financial Crime Control Framework.

Monika has a long-standing experience in Trade Finance and Cash Management, with a strong focus on Financial Institutions and non-financial risks.

She joined Deutsche Bank in 1993.
She is a Deutsche Bank representative in the BAFT Financial Crimes & Compliance Committee.
Mounaim Cortet
Mounaim Cortet
Vice president
Innopay

Vice president
Innopay

Mounaim is Vice president at Innopay and works on strategy and innovation in payments, digital identity and open banking/finance. Across these topics, Mounaim focuses on strategy & value proposition development, go-to-market, vendor selection, business- and operating model design.
In open banking/finance specifically, he supports banks with implementation of compliance requirements and to explore new use cases and business models (e.g. Banking as a Service, and Embedded Finance). Recently, Mounaim has been advising executives in navigating the Financial Data Access (FIDA) regulation. In addition, he was involved in the design of two FIDA data access ‘schemes’, next to being an expert advisor to the EBA on the topic of open finance.
Nicolas Trimbour
Nicolas Trimbour
Head of Fraud Prevention BNP Paribas Cash Management and CDO
BNP Paribas

Head of Fraud Prevention BNP Paribas Cash Management and CDO
BNP Paribas

Nicolas Trimbour is head of Fraud Prevention for Cash Management and Chief Data Officer for Cash Management and Trade Finance at BNP Paribas, a position he has held since 2019. He joined BNP Paribas in 2016 as head of business development for Transaction Banking EMEA. Starting his career with the Government of France, Nicolas served as high civil servant in management positions at the French Treasury and was appointed senior advisor to the Minister of Finance on International Economic Affairs. Nicolas is a graduate of Ecole Polytechnique & Corps des Mines.
Nils Beier
Nils Beier
Managing Director
Accenture

Managing Director
Accenture

Nils leads Accenture’s strategic innovation portfolio for banking and capital market clients as well as public sector clients in Germany, Switzerland and Austria. He serves public sector clients, banks, payment service and financial market infrastructure providers in large scale technology driven change projects, digital business building and innovation. He was a member of the ECB’s MAG for the digital Euro committee and is leading different projects to drive the digital Euro. Prior to Accenture, Nils was a partner at McKinsey & Company, was a copyright lawyer and worked for the legal service of the European Commission. Nils holds a PhD in Law from the Max-Planck-Institute for Innovation and Competition and is based in Munich.
Nuno Epifânio
Nuno Epifânio
Team Leader Payments Policy
European Commission

Team Leader Payments Policy
European Commission

Nuno Epifânio is theTeam Leader Payments Policy at the European Commission's Directorate-General for Financial Stability, Financial Services and Capital Markets Union (DG FISMA).
His main responsibilities include the review of the Payment Services Directive (PSD2) and other policy initiatives, such as the initiatives on the Digital Euro, on the Legal Tender of Euro Cash and on the European Digital Identity.
Prior to joining DG FISMA, he worked on antitrust enforcement at the European Commission's Directorate-General for Competition (DG COMP), at the Hong Kong Competition Commission and at the Portuguese Competition Authority.
Nuno holds a Master of Arts in EU Law from King's College, London.
Oliver St Clair-Stannard
Oliver St Clair-Stannard
Head of Go To Market
RedCompass Labs

Head of Go To Market
RedCompass Labs

Oliver is Head of Go-to-Market at RedCompass Labs, an expert payments consultancy helping global banks accelerate modernization, reduce costs, and minimize regulatory risk. A proven leader with experience at SWIFT and the Financial Times, he bridges complex technology and real-world value through strategic AI solutions like AnalystAccelerator.ai. Oliver is passionate about guiding financial institutions through transformation and unlocking the power of new technologies.
Olivier Jolyon
Olivier Jolyon
Head of New Initiatives
EBA CLEARING

Head of New Initiatives
EBA CLEARING

Olivier Jolyon is Head of New Initiatives at EBA CLEARING, where he drives the design and delivery of new services and functionalities. His current focus areas include Fraud Pattern & Anomaly Detection and Verification of Payee, along with other initiatives aimed at taking payments to the next level. Olivier also acts as country representative for EBA CLEARING’s Belgian user community.
Olivier brings deep expertise in the banking and payments sector, having worked as a consultant in Financial Services and as a Product Owner for international payments and SEPA services at a major European bank.
Olivier Denecker
Olivier Denecker
Senior Payments Expert
Executive Adviser

Senior Payments Expert
Executive Adviser

With over 25 years of expertise, Olivier has been instrumental in shaping the global and European payments landscape. As a former Global Payments Expert Partner at McKinsey & Company, he led McKinsey’s global center of competence on Payments and established the Global Payment Infrastructure Service line.

Olivier has advised a broad range of clients across Europe on critical payment and card-related topics, with an extensive reach into the Middle East, Africa, Asia Pacific, and Latin America.

A recognized thought leader and author on payment trends and industry shifts, Olivier regularly shares his insights as a speaker at premier conferences worldwide, offering deep perspectives on the future of payments and digital finance.
Olivier Julou
Olivier Julou
Payment Fraud Expert and Crédit Agricole representative in French and European Fraud workgroup
Crédit Agricole

Payment Fraud Expert and Crédit Agricole representative in French and European Fraud workgroup
Crédit Agricole

With over 20 years of experience in developing major card payment projects, Olivier JULOU is a recognized expert in the payment industry. His career at Crédit Agricole Payment Services highlights his expertise and commitment to enhancing the security and efficiency of payment systems, with a particular focus on fraud prevention and detection.
Petia Niederländer
Petia Niederländer
Director General Payments
Oesterreichische Nationalbank

Director General Payments
Oesterreichische Nationalbank

Petia Niederländer has been Director for Payments, Risk Monitoring, and Financial Literacy at the Austrian National Bank (OeNB) since February 2021. She is a member of the ECB’s Market Infrastructure Board, chairs the National Payments Committee, and serves on the supervisory board of Austrain payments innovation hub - OeNPAY. With 15 years in banking and payments, she previously held senior roles at a major Austrian retail bank and was on the board of EBA Clearing. She holds a master’s in business administration and investment banking from Vienna University of Economics and advocates for women and financial literacy in her spare time.
Pilar Fragalà
Pilar Fragalà
Chief Commercial Officer
CBI

Chief Commercial Officer
CBI

Since joining CBI in 2019 as Chief Commercial Officer, she has helped shape the company's business, marketing, and commercial strategy, positioning CBI and its services in both national and international markets. She oversees the development and commercialisation of new open finance services and manages relationships with Financial Institutions and Public Administrations that are clients of the company.
Previously, she held roles at the Faculty of Economics at “La Sapienza” University, Banca Mediolanum, the Italian Banking Association, and most recently at BNL, part of the BNP Paribas Group.
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Rafael Linde
Rafael Linde
Head of International Development & Global Relationship Management
Cecabank

Head of International Development & Global Relationship Management
Cecabank

Rafa has held a variety of positions during his 20+ years in financial services. He has worked as Sales and Trader in Investment Banking – Fixed Income and Treasury - and Transaction Banking. He has also run Cecabank’s UK Branch and currently leads International Development, FI and Global Relationship Management from London.

Among his responsibilities, he is the product owner of Cecabank’s cross-currency solutions and is a member of Bank of Spain`s payments´ infrastructure group, AMI Pay. Rafa is also Cecabank’s ICMA’s Principal Delegate and sits on its Commercial and AML/TF Committees.
Rita Camporeale
Rita Camporeale
Vice Chair
European Payments Council

Vice Chair
European Payments Council

After a long central banking experience at Banca d’Italia and at the European Central Bank, Rita Camporeale joined the Italian Banking Association (ABI) where she presently works as Head of Payment Systems. Prior, she was Project Manager of ABI’s PSD, SEPA and PSD2 projects.

Rita also represents Italian banks in various fora at national and European levels, and in particular at the European Banking Federation (EBF), European Payments Council (EPC) and Euro Retail Payments Board (ERPB).

Since 2021 Rita has been Vice-Chair of the EPC, Chair of the Payment Systems Committee of the EBF and EBF representative in both the ERPB technical sessions on the Digital euro project and Digital euro scheme Rulebook Development Group of the EC
Ritu Sehgal
Ritu Sehgal
Head of Transaction Services & Trade - Commercial & Institutional
Natwest

Head of Transaction Services & Trade - Commercial & Institutional
Natwest

Ritu leads NatWest Transaction Services and Trade team with a remit to drive business development strategy and PnL for Corporates and Financial Institutions across a payments and trade products suite including electronic payments solutions, open banking, cash management, cards and structured trade finance. Before joining NatWest in April 2022, she had a stint at a cross border payments start up as their Chief Commercial Officer leading the UK strategy and launch. Prior to that Ritu led the Financial Institutions Payments Sales team at Lloyds Bank where she spent over 10 years across FI coverage and Transaction Banking.
Sanjeev Bhatti
Sanjeev Bhatti
Director - Product Management Global Payments
BNY

Director - Product Management Global Payments
BNY

Sanjeev Bhatti, a seasoned professional, joined the Bank of New York in 2018 as a member of the Global Payments Product team. He currently manages GBP and EUR payments globally and USD payments for EMEA. He represents BNY on the board of SWIFT UK and leads an industry-wide Innovation and Interoperability Working Group. He previously spent ten years at two major UK banks developing market-leading products. His career began in the pharmaceutical industry, where he held strategic roles and founded a consultancy focused on economic models for multinational companies. Sanjeev is passionate about mentorship, leadership, and travel and is committed to making a positive impact and delivering value for his clients and the industry at large.
Sara Amara
Sara Amara
Head of Currency Clearing
HSBC

Head of Currency Clearing
HSBC

Sébastien Racinais
Sébastien Racinais
Head of Innovation, Global Cash Management
Crédit Agricole CIB

Head of Innovation, Global Cash Management
Crédit Agricole CIB

With 20+ years of experience in the banking sector, Sébastien is head of Innovation for the Global Cash Management business line at Crédit Agricole CIB, with the objective to implement an ambitious digital transformation leveraging new technologies such as AI and DLT and to develop an Open Innovation framework through partnerships. Prior to joining the CA Group, he held various senior roles in other international institutions such as HSBC (where he was most recently Head of Strategy for the Europe International region based in London) and Deustche Bank in Corporate Finance.

Full corporate website è https://www.credit-agricole.com/
Sheri Brandon
Sheri Brandon
Global Head of New Business
Worldline Financial Services

Global Head of New Business
Worldline Financial Services

Sheri Brandon serves as the Global Head of New Business at Worldline Financial Services, and has been with the company since 2020. With a career entirely devoted to the payments industry, she has played a pivotal role in shaping the rulebooks for SEPA payments and card frameworks. Holding a BSc in computer science, Sheri is a firm believer in technology's transformative power, viewing it as a key driver in the evolution of the payments sector.
Silvio Villa
Silvio Villa
Senior Manager - Data Science & AI
Be Shaping the Future

Senior Manager - Data Science & AI
Be Shaping the Future

Senior Manager in Data Science & AI with over 20 years of experience, specialized in Machine Learning, Generative AI, complex systems and stochastic simulations.
Leading Data Science teams to build AI software and solutions for Financial Services.
Passionate teacher in AI courses for universities and companies.
Simone Del Guerra
Simone Del Guerra
Head of Central Institutions & International Sales
Nexi

Head of Central Institutions & International Sales
Nexi

Since 2023, Simone Del Guerra has been Head of Central Institutions & International Sales contributing to the International growth of Nexi's Digital Banking Solution business. Simone holds a Bachelor in Business Administration from University of Pisa. Prior to joining Nexi, he worked for UniCredit Group where he held several senior positions among which, CEO of UniCredit Factoring Italy and Global Head of Financial Institutions Sales for Transaction Banking.
Previously, Simone worked for IBM Italy before joining GE Capital, where he held various commercial positions in Italy, France and the UK
Simon Eacott
Simon Eacott
Head of Payments
NatWest

Head of Payments
NatWest

Simon has extensive experience in the Payments Industry, with expertise delivering strategic change programmes, cash management sales, operations and product management.
As Head of Payments for Natwest Group, Simon is responsible for delivering the core Payments strategy including Product, Industry and Scheme Management, Operations and Innovation.
Well-known and respected at industry fora, Simon is chair of the Strategic Participants Group supporting Pay.UK, Deputy Chair of P20 and is an Advisory Board member of Pennies, the charity that champions micro donations.
Simone Satan
Simone Satan
Senior Director - Head of Digital Payment Solutions Treasury Services
BNY

Senior Director - Head of Digital Payment Solutions Treasury Services
BNY

Simone is the Head of Digital Payment Solutions for Treasury Services based at BNY Frankfurt and has over 25 years of experience in transaction banking & cash management. Previously, Simone led Treasury Services Relationship Management for Germany, Austria and Central Eastern Europe at BNY. Simone spent six years at Visa in a senior strategic Relationship Management role, gaining deep insights into payment trends. Simone holds an MBA in Banking from the Frankfurt School of Finance and Management. Simone is focused on delivering innovative tailored payment solutions and she is actively engaged in advancing women in finance, serving on the BAFT WIP (Women in Transaction Banking) Council and contributing to the Women in Payments Initiative.
Simon McConnell
Simon McConnell
Global Head of European Clearing Managing Director
Citi Services

Global Head of European Clearing Managing Director
Citi Services

Simon is Global Head of European Clearing at Citi, responsible for delivering clearing services globally and managing the product for FI clients, including Euro, Sterling, and Swiss Franc clearing in over 40 currencies. He joined Citi in 2012 after 14 years at Allied Irish Banks in Treasury and International Payments. Simon has deep expertise in the European payments industry and has led major regulatory change efforts. He sits on the Board of the Euro Banking Association and represents Citi on several industry groups. He holds a BA in Economics and Politics from UCD and an MBA from Manchester Business School.
Sophie Giorgi
Sophie Giorgi
Head of Payment System and Infrastructure Relationships
Crédit Agricole

Head of Payment System and Infrastructure Relationships
Crédit Agricole

Sophie GIORGI is Head of Payment System and Infrastructure Relationships for Credit Agricole with twenty years experience in wholesale and retail payment industry, interbank relationships, payment infrastructures and regulation. She joined Crédit Agricole in 2001 to work in the area of international payments. After several experiences of management of back-office and projects, she decided to take part to the strategy of payments of Credit Agricole.
She is representative of Credit Agricole in several French bodies : STET Client Council, French User Group of TARGET 2 and SWIFT, CFONB. She also seats as Board Member at EBA CLEARING and EBICS S.C. and acts as representative of French Banks at the Payment Scheme Management Board of EPC.
Stanley Wachs
Stanley Wachs
Director of Business Development, France, Benelux
Switzerland & Africa

Dandelion Payments

Director of Business Development, France, Benelux
Switzerland & Africa

Dandelion Payments

Stanley Wachs manages Dandelion Payments in France, Benelux, Switzerland and Africa. He has an extensive career in cross-border payments, having previously held global leadership roles at companies such as Western Union, PayPal and SWIFT. Stanley is an experienced public speaker and thought leader on the critical role of cross-border payments in the global economy, with a special focus on emerging markets and innovation in the fintech space.
Steven Lenaerts
Steven Lenaerts
Head of Global Channels & Digital Onboarding
BNP Paribas

Head of Global Channels & Digital Onboarding
BNP Paribas

Steven Lenaerts is the head of product management of BNP Paribas’ global connectivity solutions, its associated payments, reporting and treasury services, the digital enablement of its corporate clients as well as digital onboarding. In his long carrier at BNP Paribas, Steven has spearheaded product management and implementation services related to BNP Paribas' global, internet-based, electronic banking solution for corporates, Connexis Cash as well as contributed to the growth of the business by implementing local and global electronic banking channels around the world. He holds a Master’s degree in Applied Computer Science from the Vrije Universiteit Brussel and an MBA from the Vlerick Business School in Belgium.
Steve Naudé
Steve Naudé
Global Managing Director
Wise Platform

Global Managing Director
Wise Platform

Steve Naudé is the Global Managing Director of Wise Platform, Wise’s global payments infrastructure for banks, financial institutions and enterprises around the world. Wise Platform provides these organisations with the capabilities, technology and network to enable fast, secure and cost-effective international payments for their customers. Previously, Steve has worked on payments international expansion, as well as direct connections to payment schemes such as UK Faster Payments and Swift.
Sulabh Agarwal
Sulabh Agarwal
Global Head of Payments
Accenture

Global Head of Payments
Accenture

Sulabh has led several engagements across strategy definition, management consulting and large-scale transformations with a prime focus on payments. He helps financial institutions and other organizations across the world navigate the shifting payments landscape, combat lost payments revenue and control and mitigate operational risk throughout the payments value chain. As Global Payments lead, his remit includes Europe, North America and Growth markets. Sulabh regularly presents at roundtables, seminars and conferences like SIBOS and Money2020 on trends and issues relating to the industry. Prior to Accenture, Sulabh worked for Capital One in the credit card business in the US.
Sylvain Dauge
Sylvain Dauge
Product Manager - Cash Clearing Services
Société Générale

Product Manager - Cash Clearing Services
Société Générale

Sylvain DAUGE joined Societe Generale Group in 2002 after four years’ experience in a computer science consulting firm.
He worked then 5 years as product owner and tests manager in cards payments and cheque.
In 2007, he became product manager for SEPA credit transfers.
In 2011, he joined the Interbank Relationship team of Global Transaction and Payments
He was in charge of SG Group institutional relationship with Swift, EBA Clearing, EBA and CLS.
In 2023, he became product manager in Cash Clearing and Correspondent Banking.
He is in charge of liquidity offers to bank customers and prospective studies on use of crypto-assets.
He is SG Group representative in ISO 20022 Payments SEG, French community representative in PMPG, CBPR+ and HVPS+.
Tapan Agarwal
Tapan Agarwal
Global Head of Payments
iGTB

Global Head of Payments
iGTB

Tapan heads payments at Intellect Design Arena Limited a profitable, publicly listed company known for its products in wholesale banking and a leader in the payments and cash management space. Tapan has 25+ years of experience in Banking Technology across corporate banking, core banking, Payments and cash management having consulted to many banks and is an avid blogger and thought leader in the payments space. He has been a software developer, business analyst, architect and product manager and played multiple leadership roles in Banking Technology firms. He can be reached at https://www.linkedin.com/in/taagarwal/
Tarun Kishore Sonwalkar
Tarun Kishore Sonwalkar
Principal - Product Management
Infosys Finacle

Principal - Product Management
Infosys Finacle

Tarun Kishore Sonwalkar is a Principal Product Manager for Payments & Cash Management at Infosys Finacle. He leads the delivery of solutions for corporate and institutional clients, with a focus on ISO20022 migration, real-time payments, and modernising cash management. Tarun has helped numerous banks transform their payments infrastructure to meet evolving regulatory and market needs. He began his career at ICICI Bank in credit risk and compliance and holds an MBA from the Goa Institute of Management. He is passionate about fintech innovation, including CBDC, cross-border payments, and liquidity management.
Teresa Connors
Teresa Connors
Managing Director
Payment Matters

Managing Director
Payment Matters

INED, Board Chair and adviser with strong customer focus and commercial credentials. Global experience with deep understanding of market complexity, drivers, regulation and participants. Experienced in delivering customer centric strategy & propositions supported by robust corporate governance.

Award judge for The Banker, European Banking Association, Merchant Payment Ecosytem and The Payments Association.

Highly regarded industry spokesperson and published author including the Payment Association Guide to Consumer Duty and a The PAYTECH Book item that forms part of the Manchester University MBA programme.

Ambassador for The Payments Association and EMEA Advisory Board member Women in Payments.
Thomas Peeters
Thomas Peeters
Head of Western Europe
Swift

Head of Western Europe
Swift

Thomas Egner
Thomas Egner
Secretary General
Euro Banking Association

Secretary General
Euro Banking Association

Thomas Egner is a veteran of transaction banking. Since 2016, he has been the Secretary General of the Euro Banking Association (EBA), serving its more than 160 member institutions in supporting a pan-European vision for payments.
Prior to joining the EBA, Thomas worked for Commerzbank where he was responsible for defining and developing clearing and settlement strategies. As member of the bank’s SEPA Program Management Team, he was closely involved in the implementation of the Payment Service Directive at Commerzbank. Over the years, Thomas represented Commerzbank in the EPC and represented the German banking community in Swift and ISO committees. He also contributed to different German and pan-European payment committees.
Tom Orzikowski
Tom Orzikowski
Director or Brand & Marketing
Gini GmbH

Director or Brand & Marketing
Gini GmbH

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U-Z

Ville Sointu
Ville Sointu
Chief Strategist for digital currencies
Nordea Bank

Chief Strategist for digital currencies
Nordea Bank

Ville Sointu is the Chief Strategist for digital currencies at Nordea Bank. With a career
spanning since 2002 in fintech, Ville has held pivotal roles globally, innovating in
financial services and connected devices. His expertise is recognized in influential
circles, including the European Central Bank's former Digital Euro Market Advisory
Group, the board of Mobey Forum and the advisory board of GSMA's Inclusive Tech
Lab. Ville has also contributed to a number of key industry and policy organizations
like the EBF, OECD and EBA and in his free time enjoys co-hosting the 'Fintech
Daydreaming' podcast.
Vincent Brennan
Vincent Brennan
Independent Consultant

Independent Consultant

Vincent Brennan is a leading industry expert on the future of banking, and payments, with an extensive executive leadership track record in transformation, operations and risk management. He has over 40 years' experience in FS with 20+ working in banking / payments, on Industry bodies (including EBA Deputy Chairman up to 2021) and more recently as a Transformation Director at Accenture and as a PSP Independent non-Executive Director
Vitus Rotzer
Vitus Rotzer
Chief Product Officer - Financial Messaging Global
Bottomline

Chief Product Officer - Financial Messaging Global
Bottomline

Vitus Rotzer is the Chief Product Officer - Financial Messaging Global at Bottomline. Vitus is leading the strategy to expand Bottomline’s solution set globally. Vitus is a versatile senior executive with strong leadership, management, and business development skills. He has over 20 years’ experience in financial services and software technology within leading, and international companies, encompassing senior executive roles.
Wim Grosemans
Wim Grosemans
Global Head of Product Management - Payments & Receivables
BNP Paribas

Global Head of Product Management - Payments & Receivables
BNP Paribas

Wim Grosemans is Global Head of Product Development for Payments and Receivables at BNP Paribas Cash Management. Wim is active in the payments and cash management domains within BNP Paribas and its predecessors since 2004 and has end-to-end experience in business development, product management and platform integration, delivery and operations. He holds an MSc in Commercial Engineering from Hasselt University, Belgium.
Wolfgang Ehrmann
Wolfgang Ehrmann
Chairman of the Board
Euro Banking Association

Chairman of the Board
Euro Banking Association

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