Ready To Hear Views From The Most Influential Payments & Regtech Experts?
10th NextGen Payments & RegTech Forum
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.
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).
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).
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.
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.
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.
Chief Compliance Officer at epay, a Euronet Merchant Services PI company
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.
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.
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.
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.
Director of Global Payments and Fraud Prevention at Etraveli Group
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.
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.
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.
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.
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.
Market Leader, Greece 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.
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.
Founder of Change Advisory, Payment Specialist, Board Member and Speaker
Ani has been an international banking executive for over 20 years. She was involved in the original setup and ongoing management of three banks, including Citibank in Bulgaria.
Ani’s career took her to Bucharest, London, Singapore, and Hong Kong. Between 2015 and 2021, she was the Regional Chief Operating Officer for Citibank Treasury and Trade Solutions in Asia, covering 16 countries, including India and China. Ani’s focus was on transformation, digitisation, and culture change. They won Euromoney Best Bank for transaction services three times during this period; and won various categories of the Global Finance Best Digital Bank awards each year since 2017.
In April 2021, Ani decided to leave her high-flying job and try something different. Leaving Hong Kong, Ani relocated to Athens to build a “portfolio career,” running a “portfolio” of activities: board director, change advisor, investor, career coach, lecturer, podcast host, and speaker.
Co-Founder & CEO at Throo
Sotiris Syrmakezis is one of the most well-known executives in the Greek market in the areas of fintech and digital transformation. He has co-founded and is the CEO of Throo Payments Europe, a fintech to be licensed in Lithuania with the technology being developed in Greece. Throo is a technology platform for digital payments, loyalty and marketing for individuals and businesses.
Sotiris is also a board member of Finclude, an Irish fintech providing open banking-based credit appraisals. Very recently he advised large enterprises on digital transformation strategy and implementation.
Until the end of 2018 Sotiris was the Chief Retail, Digital & Technology Officer of Praxia Bank, later acquired by Viva Wallet. From mid-2015 until early 2018 he worked for Eurobank, as General Manager, Member of the Executive Committee and Group Chief Digital & Technology Officer. From early 2000 and for more than 15 years, he served in Piraeus Bank Group, the last three of which he was General Manager and Head of Retail Banking and e-Business. He is known as the person behind the success of the digital banking platform ‘winbank.’ He started his career late 1990 in Egnatia Bank where he was the Chief Information Officer from 1996 until 2000 and where he launched the first internet banking service in Greece.
Sotiris has served as a board member in numerous listed and private companies in the areas of banking, insurance, investments and retail in Greece and abroad.
He holds a Master’s degree in Technology & Innovation Management from Technical University of Crete (Chania) and a Bachelor’s degree in Computer Science from University of Crete (Heraklion).
Co-Founder and Chairman at EveryPay
Gregorios Siouounis is the Co-Founder and Chairman of EveryPay. An online payment gateway for Businesses, EveryPay is one of the most advanced paytechs in Europe.
He is a serial entrepreneur, has extensive experience in financial engineering, algorithmic trading and global payments and has served in several C-Level positions and Boards in the last 25 years.
Gregorios is also an Assistant Professor in Economics at the Panteion University of Social and Political Sciences. He holds a PhD from London Business School, an MSc from Iowa State University and Universitat Pompeu Fabra and has a BS from Athens University of Economics and Business.
CEO at TFI Markets
Charis Charilaou has been with TFI since 2001 and his previous role as an Executive Director saw him responsible for managing the overall Treasury Operation of the company.
Previously Charis was the executive director of Altus Investments Ltd and worked for Arab Bank Plc as a Senior Dealer. He has over 25 years of experience in the international financial markets dealing with Corporate Clients in the fields of Foreign Exchange, money markets, hedging derivatives and treasury consultancy.
Charis holds a BA from the University of Essex in Accounting & Finance and an MSc in International Banking & Finance from the University of Southampton.
Director General at Payments Association
Enthusiastic leader of the world’s most influential trade association in payments, a lively public speaker and avid networker, Tony is passionate about payments and the difference it can make to lives everywhere.
Tony shares his knowledge derived from 20 years in payments and his evangelical zeal for innovation when speaking and chairing conferences, publishing books and white papers, or enrolling payments leaders to join The Payment Association’s collaboration network.
Tony frequently invests in early-stage payments companies, helping them to win in a highly competitive payments ecosystem. He founded The Payments Association in 2010 to promote the UK as global hub for payments innovation and the interests of its 250+ members in the UK, EU and Asia, which include banks, card schemes, PSPs, issuers, processors, acquirers and legal experts, who all come together to drive collective industry change.
Country Manager for Greece, Cyprus & Malta at Mastercard
Panagiotis Polydoros has extensive experience and proven know-how in the field of payments. Mr. Polydoros has been with the Mastercard team since March 2017 holding the role of Business Development Director. In this role he was responsible, among other things, for developing new products and services for the geographical areas of Greece, Cyprus and Malta.
Mr. Polydoros’ previous experience includes working in the Department of Strategy Consulting for Deloitte.
Academically, he holds a Master's degree in Management from the London Business School and a graduate of the Department of Electrical and Computer Engineering of the Polytechnic School of Patras.
Head of Payment Market Supervision Division at the Bank of Lithuania
Dovilė Arlauskaitė is Head of Payment Market Supervision Division at the Bank of Lithuania. The division supervises more than 140 payment and electronic money institutions from a prudential perspective as well as the business conduct of all payment services providers. Previous experience at the Bank of Lithuania is based on managing the Newcomer program and Regulatory sandbox, extra judicially settling disputes between consumers and financial market participants.
Director, Head, Financial Market Infrastructures & Payments Department
at Central Bank of Cyprus
Stelios joined the Central Bank of Cyprus (CBC) in 1992, after qualifying as a Chartered Accountant with Coopers & Lybrand (now PwC) in the UK. In January 2013 he became the Head of the Licensing and Regulatory Compliance Section of the Supervision Division. As such, he negotiated the AML action plan with the Troika relating to the banking sector, and oversaw its successful implementation. With the introduction of the Single Supervisory Mechanism (SSM) of the European Central Bank, he became responsible for the On-Site Inspections, the AML/CFT supervision and the prudential supervision of credit, payment and e-money institutions that fall outside the scope of the SSM. In March 2017 he became Head of the supervision of significant and less significant credit institutions. He was the CBC member of the EBA Board of Supervisors and alternate member of the Supervisory Board of the SSM. As of 1 November 2020, he is Head of the Financial Market Infrastructures & Payments Department and of the Accounting Services & Controlling Department.
Stelios also holds a B.Sc.(Hons) in Civil Engineering and an MBA.
Head of Digital Finance Unit at European Banking Authority
Rūta Merkevičiūtė is a Head of Digital Finance unit at the European Banking Authority (EBA) that is responsible for the EBA’s work on monitoring financial innovation and identifying areas where a regulatory and supervisory response might be needed. She is also leading work on digital operational resilience and crypto-assets with a focus on EC proposals for a regulation on Markets in Crypto-assets (MICA) and on Digital operational resilience for the financial sector (DORA).
Previously she was Director of Financial Services and Markets Supervision Department at Bank of Lithuania, that was responsible for capital markets, prudential supervision of less significant financial institutions and financial services supervision.
Ruta has professional legal qualification as an attorney-at law and for the past 12 years has been working both in private sector and financial sector’s supervision in the areas that include AML, payments, lending, investment and FinTech industry.
Christian C. H. Luckow
SVP, Tribe Lead, Payments at Danske Bank
With the future of payments in the Nordic moving towards open-access and common infrastructure, the question becomes - how will financial institutions differentiate themselves in a harmonised market? In 2019 Christian returned to Denmark after 15 years overseas, to help Danske Bank answer this exact question. Combining strong business acumen with deep technical understanding, he has been the driving force behind a number of digital financial platforms and deep integration of financial services within 3rd party platforms.
Prior to joining Danske Bank, Christian headed up the expansion of a Nordic finance company into the Australian market where he successfully developed financial solutions for verticals that were under-serviced due to legislative, operational or legacy complications.
Head of Business Development & Innovation at DIAS
Mr. Yiannis Papatsiros is Head of Business Development and Innovation at DIAS. The main aim of his role is to provide modern, simple, secure customer experiences and services to users from all channels that use digital payments.
Previously, Yiannis was Region Leader at SAS where he contributed to the efforts of organizations to solve complex problems, exploiting their data using analytical methods. He also played an important role to the digital transformation of businesses and the implementation of innovative applications by incorporating machine learning and artificial intelligence techniques. Prior to SAS, he held the role of Delivery Project Executive at IBM, where he managed large Strategic Outsourcing projects, while at the same time he was appointed as Service Management Competency Leader for Greece. Finally, he has significant international experience which he gained from his involvement in roles in the United Kingdom but also through the above roles.
Yiannis holds a degree in Computer Science from the University of Crete, a postgraduate degree in Business IT Strategy, and a professional MBA.
Jonathan G. Rambal
General Director of Southern Europe at Checkout.com
Jonathan G. Rambal is the General Director of Southern Europe at Checkout.com, a region that has witnessed explosive growth in eCommerce sales, helping companies across multiple industries optimise their payment strategy locally and globally, resulting in higher acceptance rates (sales) and first-class customer experiences. He has years of extensive