Ready To Hear Views From The Most Influential Payments & Regtech Experts?



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10th NextGen Payments & RegTech Forum 




11th NextGen Payments & RegTech Forum 

21-22 SEPTEMBER 2022
Marriott Hotel - Athens, Greece

Robert Courtneidge

Payment Industry Expert 


Robert Courtneidge is valued and respected industry expert in the emerging payments industry.  He is working with a number of businesses assisting them on their strategy and products using his 30+ years legal experience to give them practical and innovative solutions. He is co-author and Editor of The PAYTECH Book 2020. He was co-founder of the Prepaid International Forum and has worked with the Emerging Payments Association since it was founded.

He has been regularly featured in the prestigious Payments Power 10 (including being ranked #1 in 2015), a highly competitive ranking of the most influential contributors in payments.  As a lawyer in payments he was voted in the top 10 in the world by US publication Paybefore in 2015 being the only European in the list. As a lawyer he has worked closely with The Payments Services Regulator, HM Treasury, UK Finance and Financial Conduct Association, in the UK as well as other compliance and industry bodies globally. Robert has deep expertise in electronic money and payment services and is highly skilled in all aspects of payment services including consumer protection, banking regulation and compliance, and AML/CTF. Robert is highly active on the conference front regularly chairing and moderating events as well as speaking on issues facing the European Payments’ Industry including laws relating to blockchain, digital assets and Central Bank Digital Currencies.

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Makis Savvides

Director of Global Payments and Fraud at Wargaming Group Limited


Makis is the Director of Payments and Fraud at Wargaming Group Limited. He is responsible, among others, for the development and execution of the company payments strategy, its alignment to the overall product and company strategy and ensuring that the payments function remains at the forefront of payments innovation. The Wargaming payments platform offers more than 250 payment methods globally, allowing players to pay in their local payment methods and currency (more than 100 currencies are available). Wargaming is an award-winning online game developer and publisher headquartered in Nicosia, Cyprus. Operating since 1998, Wargaming has grown to become one of the leaders in the gaming industry with 5,500 employees and offices spread all over the world. Over 200 million players enjoy Wargaming’s titles across all major gaming platforms. The flagship products include the massively popular free-to-play hit World of Tanks, the strategic naval action game World of Warships and World of Tanks Blitz.
Makis is also a member of the Board of Directors of one of the largest insurance groups in Cyprus and is the co-chair of the European Advisory Board at the Merchant Risk Council, a global membership organization connecting eCommerce fraud and payments professionals through educational programs, online forums, career development, conferences, and networking events. Before joining Wargaming, Makis was a Director at Deloitte at the Financial Advisory department. He holds a BSc in Actuarial Science from the London School of Economics and Political Science. He is also a Qualified Accountant and a member of the Institute of Chartered Accountants in England and Wales (ICAEW).


Sabine Dittrich

Former Head, Global Regulatory Intelligence, Asset Management at UBS


Sabine is a trusted advisor to Executive Boards on Strategic Regulatory & Legal Risks & Opportunities with a deep understanding of Business needs across the Financial Sector.

For her profession, Sabine is well connected with Regulators & Policymakers in Europe, International Organisations and beyond. Sabine has held numerous board or chair positions in industry associations, namely in Europe at EFAMA, AFME and ICMA. She is also a regular guest of roundtables and discussions on innovative thought leadership topics, such as sustainability, diversity and digitisation/Crypto. Currently in career transition, she has held most recently a global responsibility for Regulatory Intelligence at UBS Asset Management. Prior to this, Sabine held other positions at UBS Group and Wealth Management including Group Head EU Public Policy, where she was responsible for setting up the Swiss Finance Council in Brussels as a joint venture association with Credit Suisse, amongst other responsibilities. Sabine worked for many years at Magic Circles law firm, Freshfields Bruckhaus Deringer in Frankfurt and started her career at German law firm Hengeler Mueller and the ECB.

Sabine is author of several publications, holds a PhD in International Securities Law and an MBA of HEC Paris (exchange to SDA Bocconi, Milan).


Freddie Frith

Head of Financial Services at Clausematch

Freddie Frith joined Clausematch in 2018, where he has quickly progressed in different commercial roles. He now heads up Clausematch’s commercial proposition for Financial Services, focusing on accelerating the adoption across NeoBanking, FinTech, Insurance and Investment Management. Before working at Clausematch, Freddie worked in commercial roles as Silverfin, Ogilvy and Loreal. Freddie is also a thought leader in Regulatory Technology, regularly hosting podcasts and webinars, contributing to whitepapers and writing blog posts.


Céu Pereira

Team leader, Retail Payments at European Commission

Céu Pereira is an economist and team leader for retail payments in Directorate-General for Financial Stability, Financial Services & Capital Markets, at the European Commission. She has many years’ experience on payments and financial sector regulation at the European Commission, and in previous positions at the ECB, the World Bank, and as a financial attaché at the Permanent Representation of Portugal to the European Union. She has a Masters on European Integration from the College of Europe.

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Elie Beyrouthy

Chair of the Executive Board at European Payment Institutions Federation (EPIF); Vice President, European Government Affairs at American Express

Elie Beyrouthy has been the Chair of the European Payment Institutions Federation (EPIF) since March 2018. He is the Vice President of European Government Affairs at American Express since June 2017, where he leads the company’s engagement with European Union Institutions and advises senior leaders on EU regulatory and public policy matters. Elie also represents American Express’ interests in several EU trade bodies and professional associations. Prior to joining American Express, Elie was Director of International Regulatory Affairs at Western Union for 5 years. From 2007 to 2012, Elie held leadership positions at the World Savings Banks Institute and the European Banking Federation. Elie began his career as an intern at the European Commission and the United States Federal District Court of Minnesota. He holds two Master's Degrees in Law from the University of Minnesota and from the Jean Moulin University in Lyon – France. He is also a graduate of the Institut d’Etudes Politiques de Lyon.


Michael Diamantoulis

Chief Compliance Officer at Euronet Merchant Services PI

Holder of supervised and/or c-suite positions (CCO, CRO, MLRO), Michael has worked throughout the banking as well as the payments sector, by starting-up and running control functions, organizing 2nd lines of defence and setting-up strategies and policies, mainly Risk, AML and Compliance related. Michael has supported the obtaining of payment institute and e-money licensing, the receiving of card association principal memberships and the completion of funding (investment) rounds. He represented the e-money sector through-out Greece's latest National Risk Assessment. Michael believes in risk mitigation through a balanced, proactive, and transparent approach and enjoys infusing positivity and trust into workplaces.


Farzad Pezeshkpour

CTO at BCB Group

Since 2001, Farzad has served in multiple roles across major tier 1 investment banks, including the platform architect and technical lead for the FX Options platform at NatWest Markets, Head of Credit Risk IT at Deutsche Bank and Head of Engineering for Risk at NatWest. He has been working with DLTs since 2014 – including Ripple, Ethereum and Corda. Notably, he is a key contributor to the Corda open source project. For his contributions and achievements in his career, he was awarded the title of Distinguished Engineer at NatWest.


Antonis Dragiotis

Group Chief Risk Officer at Viva Wallet

Dr Dragiotis is the Chief Risk Officer of VIVA WALLET Group. He is responsible for the implementation of risk management practices covering all types of risk, the submission of regulatory reports and the use of advance technologies to control risks, in particular those related with criminal actions. 

He has over 20 years of working experience in banking and over 14 years in the development of information technology solutions and consulting. He worked for Alpha Bank, leading the International Risk Management function and Piraeus Bank, as the Head of Risk Management Division. 

He has academic background in Physics, Information Technology and Artificial Intelligence. He is also the author of several publications.


Akis Giouchas

Head of Technology and Operations at Optima Bank

Having 20 years of experience in the Banking Sector, Akis Giouchas currently holds the position of Chief Operating Officer in Optima bank S.A.

He commenced his career in 1995 at Accenture (Germany), where he was involved in large transformation and re-engineering programs in major German banks and credit card processors.

In 2001 he joined the founding team of the greenfield Proton Bank (Greece) as CIO, setting up the bank’s information technology systems and expanding its (investment) services and branch network.

In 2013 he returned to Accenture (Greece), where he was in charge of Technology Consulting within Accenture Financial Services and as such, he executed several IT Strategy projects. He later became Head of Infrastructure, Operations and Security across all industries.

In June 2019 he joined Optima bank’s executive team with a mandate to transform IT and operations into a digital powerhouse.

Mr. Giouchas holds a master’s degree in Computer Science from the Technical University of Berlin.


Peny Rizou

Director of Global Payments and Fraud Prevention at Etraveli

Peny is the Director of Global Payments and Fraud Prevention at Etraveli Group. Etraveli Group is a leading global technology provider for flights, focused on offering the best possible flight content delivered through flexible tech solutions for the consumers. Etraveli Group has developed advanced technology to ensure its customers are getting the most relevant options at the best prices. The company, which recently entered into an acquisition agreement with Booking Holdings and pending competition clearance, operates several brands, including MyTrip, Gotogate and Flight Network. 

Etraveli Group is active in more than seventy countries and enables more than forty currencies, offering its customers international and local payment options. More than seventeen million customers are being served annually and volume is growing rapidly amounting in billions of euros. 

Peny has 20+ years of experience within Travel, Fintech, Telco, and the Retail consumer electronics industry leading pivotal areas such as Partnership management, Fintech product development, Finance and Operations functions as well as introducing innovative products/solutions for specific businesses. She has been engaged with start-up ecosystems where CFO positions played a key role in scaling the business. Currently she is focusing on the Fintech industry building Etraveligroup’s payment ecosystem to ensure high customer experience, enable growth potential and deliver operational efficiency. She has an in-depth knowledge of the payment industry and regularly participates in conferences, webinars and panels aiming to increase knowledge across the travel industry. 


Peny holds a BSc in Business Administration from University of Piraeus and a MSc in Banking and Finance from University of Stirling, Scotland.


Constantinos Frydakis

Managing Partner at Confryd Business Consultants

Constantinos Frydakis is the Managing Partner of ConFryd Business Consultants, a boutique consulting house that is offering bespoke advisory services in Payments & Cards, Digital Transformation, BNPL and Consumer Financing, Financial Institutions licensing, Change & Transformation Management. Constantinos has more than twenty-three years of professional, managerial, and extensive Board experience in various sectors including Financial Services and Information Technology. Experience varies from start-ups to large multinational companies.

Before establishing his consultancy practice, Constantinos was the Chairman and CEO of Tora Wallet for over four years. Tora Wallet is a licensed eMoney institution and a full subsidiary of OPAP Group (a publicly listed gaming group in Greece renowned in its industry worldwide).

During the same period, he served as CEO of Tora Direct, a commercial company owned by OPAP Group. Tora Direct focuses on electronic format products (prepaid mobile top-up, store value products and others) distributed through a network that spans thousands of POS across Greece such as kiosks, retailers, OPAP and convenience stores.

Previously, he was Director of Cards & Payments in Piraeus Bank. Under his leadership, the Bank secured the Greek market’s top position in both payments and card acquiring, achieving tremendous growth rates and commission revenue streams.

Before that, Constantinos held various senior commercial positions in Greek and multinational Information Technology companies like Microsoft, Intellisolutions, and Information Dynamics.

Constantinos holds an MBA from the University of Strathclyde Graduate School of Business in the UK and a BSc degree in Business Administration from the American College of Greece. He is a seasoned speaker in local and international industry conferences.


Joanna Kozlowska

Head of AML/CFT Division at Eurobank S.A.

Joanna Kozlowska is heading AML/CFT and Sanctions Division in Eurobank S.A., one of the Greek systemic banks. She is also appointed deputy MLRO and Group MLRO. Prior to this she was the head of Compliance and AML/CTF functions in the Greek branches of ABN AMRO Bank N.V. and The Royal Bank of Scotland plc. Before moving to Greece, Joanna worked at both the public (the Securities and Exchange Commission - currently Polish FSA) and private side (asset management and mutual funds management) of the Polish financial sector. 

Joanna holds a Master’s Degree in Law from the Warsaw University, a Postgraduate Diploma in Capital Investments and Business Development from the Warsaw School of Economics, as well as Certified Internal Auditor and CAMS-FCI certifications.


Simonas Krėpšta

Board Member at the Bank of Lithuania

Simonas currently serves as the Member of the Board of the Bank of Lithuania, he is in charge of the field of supervision. Simonas started his professional career in one of Lithuania’s commercial banks in 2006. In 2008–2019, he worked at the Bank of Lithuania – having started his career there as Economist at the Financial Stability Division, he later held senior positions as Head of the Macroprudential Policy Division of the Financial Stability Department and Director of the Financial Stability Department. For the last couple of years, he chaired the Economic and Social Policy Group of the presidential office, which coordinates economic, financial, innovation, health and social policy issues. For several years, he worked as a lecturer in Financial Intermediation (Master’s programme) and International Finance (Bachelor’s programme) at ISM University of Management and Economics.


Georgios Galanis

Independent Governance, Risk and Compliance Expert

Georgios shares his 20+ yrs of experience among Control Functions of Compliance, Risk, Audit and Privacy within Banking, Issuing and Acquiring services.

Currently he holds a Management position as a Director Governance, Risk and Compliance/MLRO and Data Privacy Officer in the PI of one of the biggest Issuing and Acquiring Group of Companies in Europe, facing a multi-challenged regulatory framework which has to accommodate local and international banking and payments regulatory framework and regulations, International Standards, Quality Assurance Standards (ISOs) and Payment Card Industry Standards

Georgios holds a MSc in Banking and a BSc in Economics and is certified as CCO, DPO, BCI (Business Continuity Expert) and ISO9001 Lead Auditor.


Konstantinos Tovil

SVP at TBI Bank

Kostas has 16 years of experience in retail banking with focus in consumer finance and cards in companies operating successfully on several South Eastern European markets. He started his career in Citibank and has held executive positions in EFG Eurobank in Romania, Bulgaria and Greece.

He is highly experienced in managing deposits, investment products and transactional banking. He had a leading role in establishing and managing the Affluent Banking Division in two banks.
Kostas holds a Master’s Degree in Marketing and Business Administration from Middlesex University and a Bachelor’s degree in Applied Chemistry from Kingston University. He is also a member of the UK Royal Society of Chemistry. 
Kostas has a strong interest in digital innovations.


David Bundi

Metaverse Strategy & Regulatory Leader, Director at PwC Switzerland, Legal

David Bundi is the Metaverse Strategy & Regulatory Leader and Head of Compliance at PwC Switzerland, Legal. Before joining PwC, he held a position as Chief Compliance Officer at an innovative Swiss bank following various senior roles as Legal & Compliance expert at banks in Zurich and New York. David is also the Chairman of the Swiss non-profit association MetaverseTalks which serves as a leading space where Metaverse & NFT thought leaders and interested people connect, foster and promote ideas globally. He has studied Swiss, EU, UK and US law, likes gaming and technology, and is a guest lecturer at universities respectively business schools in Zurich, Lausanne, Miami and Guatemala.