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Rishi Raithatha
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Rishi Raithatha

Director, Data & Insights - Mobile Money at GSMA


Rishi Raithatha is a financial sector specialist, focusing on mobile money, microinsurance and disaster risk financing in low- and middle-income countries. 

His recent experience spans senior roles at the GSMA, the mobile industry’s trade association, and Pula Advisors, an insurtech that provides insurance to smallholder farmers. He has also worked as a consultant for the World Bank. Rishi's previous experience includes roles at McKinsey, Willis Towers Watson and the Foreign, Commonwealth and Development Office.
Rishi has a BA from SOAS, University of London, and an MA from the University of Groningen. In 2020, he became a Certified Digital Financial Practitioner. An experienced writer, he also runs a bespoke business writing workshop for individuals and companies.

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Lee Clifton

Global Head of Payments Performance and Strategy at Stripe


Lee is an executive leader in the payments industry, with an unwavering passion for eCommerce. Throughout his career, he has successfully managed and developed multiple teams, nurturing talent supporting their growth and career aspirations. He inspires and empowers other leaders to achieve their goals. His solutions-focused mindset, coupled with his proven ability to collaborate with C-Suite, drives positive change and achieves organisational success. Lee is a fierce negotiator with exceptional entrepreneurial skills and a keen business sense. As a frequent global traveler, he had the opportunity to meet with some of the largest eCommerce merchants and hone my expertise in this dynamic industry.


John Mowat

Head of Strategic Policy at Pay.UK 

John is head of Strategic Policy at Pay.UK, which operates the UK’s interbank payment systems – Bacs, FPS and ICS. Pay.UK also deliver a variety of services relating to payments, such as the Current Account Switch Service, Confirmation of Payee and Request to Pay. John previously held roles at the CMA, HM Treasury and the PSR. Before entering the splendid world of payments, competition and regulation he managed European equity funds, with a focus on activism and restructuring. He began his career in corporate restructuring at KPMG.


Jovi Overo

Managing Director at Unlimit BaaS

Jovi Overo has over 20 years of experience across Fintech, Payments, Banking and Lending-as-a-Service space. Currently, Overo serves as Unlimit's BaaS division's Managing Director and is responsible for conceptualising and establishing innovative BaaS solutions from inception to fruition, spearheading the expansion of this new product for the company.


Neelu Agarwal

PRA Head of Diversity, Equity and Inclusion at Bank of England


Neelu brings16 years of dynamic experience across multiple regulatory and enterprisse wide transformation projects. She is currently incharge of influencing and overseeing the delivery of the inclusion, diversity, equity  strategic priority at the Prudential Regulation Authority, Bank of England, role she describes as the most fulfulling and rewarding one.

She is also a board member at Second Step mental health charity and a mother to a four year old son.  Hailing from India, she enjoys the best of both the worlds. Neelu's personal interest lies in motivational speaking and Bollywood dance.


Andres Betancourt

Senior Manager, AML/ATF and Sanctions Solutions at Scotiabank


Andres is a experienced financial crime compliance professional with 15 years of experience in regulatory frameworks, risk mitigation, data driven projects and policy development across financial services industry including the Bank of Nova Scotia, Bank of Montreal, Royal Bank of Canada and Grant Thornton LLP. Andres currently works in the AML Internal Controls Team focusing on the planning, strategy, implementation, and monitoring of different AML work streams, including Data Governance, EDD , Client Risk Rating, KYC Periodic refresh ,Name and Payment Screening projects across multiple jurisdictions including Canada, United States, and several countries in Latin America.

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Francis Gross

Senior Advisor, Directorate General Statistics at European Central Bank


Francis’ work pursues one goal: effective measurement of the economic and financial system as technology keeps growing exponentially, a necessary condition for control and stability – name it “sustainable digitalisation”. 

He focuses on two interfaces: (1) globally integrated, fast, tightly coupled economic system vs. fragmented, slow regulatory system, (2) “real” world vs. data world, the core of digitalisation. His method: (1) identify constraints and specifications for effective measurement dictated by technology, (2) develop conceptual systemic design that can work and (3) propose migration paths and concrete, feasible measures with transformational power that can deliver.

Proposals include a global, public-good, digital infrastructure (possibly managed by a new, technical, international institution) making the system adequately measurable, safer, and more efficient, building on the Global LEI System as a first step. 

2006 Francis initiated the movement that led to the G20-backed Global Legal Entity Identifier (LEI) System, where he served on the Regulatory Oversight Committee. Before joining the ECB in 2001, Francis spent fifteen years in automotive, eight at Mercedes, working on globalisation. 

He holds an engineering degree from École Centrale, Paris, and an MBA from Henley Management College, UK

In his free time, Francis coaches athletes for javelin throwing, including the former World and current European champion in the decathlon.

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Dr. William Derban

Head, Programs and Partnerships, Digital Innovations Group at Opportunity International


Dr. William Derban serves as the Head of Progams and Partnerships, for Opportunity International’s Digital Innovations Group. In this role, he defines technical standards, develops business strategy, and negotiates collaborations across mobile money, mobile/cell-phone banking, and agent banking. Dr. Derban is also the convener and co-founder of the Financial Inclusion Forum Africa, a network of professionals passionate about promoting financial inclusion across the African continent.

Before joining Opportunity International, Dr. Derban worked in the financial sector for over 20 years. He served as the Market Engagement Director for the Mobile for Humanitarian Innovation program at the GSMA. Prior to that, he held positions such as Director for Strategic Partnerships and Digital Banking at Fidelity Bank Ghana and Head of Community Investment for Barclays Bank, responsible for Africa, Asia, and the Middle East.

Dr. Derban is an influential speaker on development and financial inclusion. He resides in London with his wife and three children. As the Head, Programs and Partnerships, Dr. Derban oversees strategy, implementation, and partnerships in digital innovation across Opportunity International’s operations worldwide.


Josephine Roy

Global Head of Regulatory Developments and Engagements for Payments at J.P. Morgan 

Jo is currently the Global Head of Regulatory Developments and Engagements for Payments at JP Morgan. She has over 20 years experience in management and strategy execution across multiple fields in the financial services sector where she has held numerous leadership roles.  Her areas of focus includes Regulatory Strategy, GRC

(Governance, Risk and Compliance) and Sustainability. She is an alumni of Bayes Business School and holds a certification on Sustainable Finance from the University of Cambridge.

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Patrik Havander

Head of Visa B2B Connect Europe at Visa

Patrik has a long and extensive experience in corporate banking prior to joining Visa in 2022. He has been leading Nordic and international teams for Nordea, SEB and Danske Bank. Focus has been on the Transaction Banking landscape, where he has earned a strong reputation for his strategic vision and commercial development expertise. He has been very engaged in the international bank to bank community in various boards and partnerships. He is member of the Board of Directors in BAFT.

He has a track record of strategy, sales excellence, crossed new frontiers in service and concept development and in online banking services. Patrik is well-known for his success in developing industry leadership within financial services. He has a wide-ranging and well-established network throughout the banking business, nationally and internationally. Over the years, Patrik has appeared as a speaker and panelist at numerous industry events. 

Patrik is a graduate of Lund University and holds a Bachelor of Science.

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Nilixa Devlukia

Chair of Open Finance Association, Regulatory Expert at European Commission  

Nilixa is the Chair of the Open Finance Association, an industry body representing the demand side open banking and open finance. She is also the founder of Payments Solved, a consultancy advising regulators and industry on the regulatory frameworks for digital assets, open banking, payment services and fintech both in the UK and globally. Nilixa is an experienced regulatory expert and lawyer with a Masters in European Competition Law and over 20 years of banking and payments experience gained from her time at Barclays, the FCA, the EBA and as Head of Regulatory at the Open Banking Implementation Entity.

Nilixa sits on the European Payment Systems Market Expert Group and the European Data Expert Group. She is a well know public speaker and works with industry, regulators and legislators across the globe to drive changes in the digital assets, open banking and payments ecosystems for financial services that are secure, transparent and inclusive.

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Tom Salmond

Partner, Financial Crime & Forensics, EMEIA Financial Services Consulting at EY

Tom is a Partner in EY’s Financial Services Consulting practice where he helps clients to improve their financial crime controls to reduce the harm financial crime causes to society. He helps firms grow by optimising controls, leveraging new technologies and enabling effective operations. He has over twenty years’ experience within financial services at industry level, within payments, banking and consultancy, leading multi-disciplinary teams to undertake regulatory assessments (inc. s166 reviews) and improve management of financial crime risk through human-centred systems. Prior to EY, he worked at Barclays within Group Financial Crime and at APACS (now part of UK Finance), where he led industry work on eCrime, fraud & security. He meets regularly with regulators, industry bodies and think tanks.


Mick McAteer

Co-Director at Financial Inclusion Centre


Mick McAteer is an experienced advocate for economic and social justice. His work focuses on three areas: economic and social justice and rights; financial system reform; and the role of technology and data in society, particularly on how finance/ data/ technology intersects. 

He is founder and Co-Director of The Financial Inclusion Centre, a UK not-for-profit policy and research group. The Centre’s mission is to promote a financial system and markets that works for the environment, real economy, and society. He is a director of Action for Financial Inclusion (AfFI), a community interest company set up to turn policy ideas for promoting financial inclusion into action. 

He is Chair of non-profit Registry Trust which operates the Register of Judgments for the Ministry of Justice, and a board member of the Irish Financial Services and Pensions Ombudsman. He is a member of the UK Regulators Network (UKRN) Expert Panel and the Bank of England’s Central Bank Digital Currency (CBDC) Engagement Forum. 

Previously, he was Chair of the anti-poverty charity Z2K, and Deputy Chair of the Consumer Council of Northern Ireland. He was a board member of the Financial Conduct Authority (FCA)/ Financial Services Authority (FSA), chaired the FCA’s External Risk and Strategy Committee and was on the FSA Oversight Committee that implemented the split of the FSA into the FCA and Prudential Regulation Authority (PRA). 

At EU level, he was Chair of the European Commission’s Financial Services User Group (FSUG) which advises the European Commission and other EU policymakers on matters relating to financial markets and affecting financial users.

He was with Which? (the UK’s most influential consumer group and largest consumer group in Europe) for 13 years and formulated the organisation’s policy on financial services. He led the work on exposing major scandals such as pensions, mortgage endowment and PPI mis-selling, and work on reform of pensions, insurance, and banking industries. Prior to this, he worked for five years for two major fund management firms in the City of London.

He was a board member of the Financial Reporting Council’s (FRC) Professional Oversight Board, a non-executive director of The Pensions Advisory Service (TPAS), and a board member of ShareAction (the movement for Responsible Investment), and board member of CARITAS (Westminster).


Manuel Sandhofer

SVP & General Manager, Europe at Nium

Manuel has over 20 years of financial services experience, working with businesses to realise the potential of innovative B2B payment solutions. In his role as SVP & General Manager, Europe at global real-time payments leader Nium, he is responsible for spearheading growth in the region. Prior to Nium, Manuel co-founded Optile, a tech based company streamlining payment acceptance processes for merchants worldwide, which was successfully acquired by Payoneer in 2019. Early in his career, Manuel spent nearly a decade at UniCredit spearheading enterprise transformation in online banking.


Luciana Mosoia

General Manager, Enterprise FX and Cross-Border Solutions at Visa

Luciana serves as the General Manager of Visa’s Enterprise FX, Settlement, and Cross-Border Solutions business. Her role involves guiding her team to develop and market a broad range of integrated cross-border solutions that include FX, settlement solutions, and virtual and multicurrency accounts for carded and account-based money movement as we seek to meet the growing and increasingly diversified needs of clients moving funds around the world. She works closely with client-facing and product teams in each of Visa’s regions and is passionate about broadening access to seamless cross-border payment solutions to drive inclusivity and growth around the world. 

Luciana brings more than 20 years of industry experience in cross border payments and global commerce, global strategy and product management transformation, with a proven track record of launching and scaling cross border solutions creating new business models and driving strategic transformation within large global financial institutions and start-ups. Prior to her current role at Visa, Luciana has held multiple leadership positions including GM for Visa Cross-Border Solutions in EMEA which included the recently acquired Currencycloud business, and Head of Product and Commercialization Treasury as a Service. She has led the development and launch of several transformational FX and settlement capabilities, built and managed Visa’s commercial partnership with Currencycloud pre-acquisition and was instrumental in driving its acquisition by Visa and subsequent integration. Additionally, Luciana has served in management positions at Bank of America, Wells Fargo, and IdentityMind Global, a regulatory technology startup. She started her career in management consulting with a focus on international trade and doing business in developing economies. 


Kent Mackenzie

Partner & RegTech Leader at Deloitte

Kent is responsible for Deloitte’s Digital Compliance Platform and business, operating across EMEA and the US.  The platform delivers automated and intelligent compliance management to a number of Tier 1 FS organisations in payments and banking, and is also used by a number of global Health and Life Science and Tech businesses to scan, detect, curate and management the impact of 100s of regulatory obligations.  Having spent 20 years working in compliance, regulation and technology Kent has built a complete understanding of what it takes to truly digitise this environment and drive benefits that go beyond creating simple efficiencies.  Most recently Kent has taken on leadership of GenAI in this space, looking at how the next generation of solutions can be safely and effectively GenAI-enabled.


Jessica Richards

Head of Performance and Business Management at NatWest Payments

Jessica is Head of Performance and Business Management, NatWest Payments. Her role covers a broad range of activities: she leads the external engagement team as well as business management teams responsible for running NatWest’s Payments Centre of Expertise. She is part of the Bank’s Payments ExCo and sits on a number of Payments Industry Boards. 

Jessica has spent the last twelve years at the heart of the payments industry. As a Director at Payments UK and subsequently UK Finance, she led the team during a period of significant change for the industry. She ran the Industry Board and also represented the UK at the European Payments Council in Brussels. 

Jessica has over twenty-five years experience in financial services including investment banking at Morgan Stanley. She has a MEng from Oxford University and an MBA from London Business School.

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Jannah Patchay

Executive Director and Policy Lead at Digital Pound Foundation

Jannah Patchay is an Executive Director and Policy Lead for the Digital Pound Foundation, a not-for-profit organisation launched in 2021 to advocate for the introduction of a well-designed digital Pound and for an effective, diverse and competitive ecosystem for new forms of digital money in the UK. Jannah is also the founder of Markets Evolution, a consultancy specialising in financial markets innovation and regulatory strategy.  Over the years she has provided advisory, consulting, and delivery services to a wide cross-section of market participants including exchanges, tier-1 investment banks, brokers, funds, and start-up businesses.  Her passion lies in building the financial markets of the future, harnessing frontier technologies to create new and innovative financial services and products that can promote wider social and environmental benefit, and greater access to financial services.


Elise Soucie

Director of Global Policy and Regulatory Affairsm at Global Digital Finance

Elise is the Director of Global Policy & Regulatory Affairs for Global Digital Finance.

Elise was formerly an Associate Director at the Association for Financial Markets in Europe (AFME) where she lead the division’s Digital Assets and Data Strategy work, with a focus on emerging regulation such as the Market in Crypto Assets (MiCA) legislation and the European Commission’s targeted consultation on open finance and data sharing in the financial sector. Furthermore, she also worked closely with global standard setters, driving and guiding engagement between the capital markets industry and bodies such as the FSB and IOSCO.

Prior to her work at AFME, Elise was in the public sector, working at the Financial Conduct Authority (FCA) in both their Technology, Resilience and Cyber Division and International Division. Notably she pioneered the FCA’s International Digital Assets strategy in 2022 and led technical policy dialogue on DLT, Consumer Risks, Central Bank Digital Currencies (CBDC’s), and Decentralised Finance (DeFi), among other topics.

Elise was named ‘Next Generation Leader of the Year’ at the 2022 Women in Finance Awards UK.

Elise’s experience with both the public and private sector enables her to support members in their engagement with policy makers around the globe. She has experience in both drafting and advocating for regulatory outcomes that will support the development of the digital assets ecosystem, and her technical understanding of the industry makes her well suited to represent the membership of Global Digital Finance.

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Adam Scarrott

Director, Issuing & Acceptance at UK Finance

Adam is the Director for Issuing and Acceptance at UK Finance, the trade body for banking, finance and payments firms. His core expertise is in card issuing and acquiring. He joined UK Finance in June 2023, having spent 8 years as Barclaycard Payments’ head of legal. He also has general banking and asset finance experience. He has a particular interest in payments regulation and competition policy and in accessibility of payments for all, especially the visually impaired. He is a trustee board member of Sensory Services by Sight for Surrey, which delivers essential services for blind, visually impaired, Deaf (sign) and deaf (impaired) adults and children in Surrey.


Chris Pond

Chair at Financial Inclusion Commission

Chris Pond is Chair of the independent Financial Inclusion Commission, made up of policy experts, business and consumer representatives and parliamentarians from each of the main political parties.  He is also chair of TrustMark and of Cape Claims Services, consumer counsellor to the Equity Release Council and Trustee of the Money and Mental Health Policy Unit.  He was previously chair of the Lending Standards Board, Independent Director at the Current Account Switch Service, member of the Treasury FinTech Delivery Panel, Director of Financial Capability at the Financial Services Authority and CEO of Gingerbread, the National Council of One Parent Families.  Chris was Member of Parliament for Gravesham between 1997 and 2005, serving as a Treasury Parliamentary Private Secretary and as Work and Pensions minister.

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Alison Donnelly

Director at fscom

Alison is a payments policy expert with in-depth knowledge and understanding of the payments regulatory landscape.

She is a former FSA/FCA e-money policy specialist and shares this insight from the regulator to clients and contacts alike in her role as Director in fscom providing compliance advice to leading fintech companies and start ups.

Alison is Leader of the Payment Association’s (PA’s) Project Regulator which aims to engage with regulatory bodies to promote and champion the concerns of PA members in current and future regulation, and drives change through the development of a fairer regulatory landscape for payments companies. 

Alison is also on the Board of Directors of the Association of Professional Compliance Consultant (APCC), is the European Women in Payments Network (EWPN) Ambassador for Ireland and an Ambassador for the Fintech Corridor, which promotes fintech in the corridor between Belfast and Dublin.


Andrew Whitworth

Head of Public Policy, EMEA at Ripple; Co-founder at ICEDF

Andrew Whitworth is a public policy specialist with extensive international experience in financial services, payments and fintech policy and regulation. He is currently Ripple’s Policy Director for EMEA, where he leads Ripple’s engagement with policy-makers in the UK, EU, Middle East and Africa. Before Ripple, Andrew led the policy work of a UK-headquartered fintech payments start-up and previously spent 4 years as an official at the Bank of England, where he worked on prudential policy, international engagement, and fintech/crypto policy analysis. He started his career in Brussels working in the EU public and private sectors. He has a PhD in International Political Economy from the Johns Hopkins University School of Advanced International Studies (SAIS), based in Washington, DC and Bologna, Italy; and a BA/MA from the University of Oxford. His latest book is Regulating banks: the politics of instability.


Paul Bedford

Senior Manager, Strategy & Policy Development Payments Strategy Division at Bank of England

Paul Bedford is a Senior Manager in the Bank of England’s Payments Directorate.  His current responsibilities include helping to set the BoE’s strategy for its operation of the UK RTGS platform and CHAPS high-value payment system as well as shaping domestic and international payments policy initiatives, including the G20 Roadmap for Enhancing Cross-Border Payments.  Paul has been with the BoE for over twenty years, with more than half of that time in payments-related roles from regulatory as well as operational perspectives.  Earlier in his career, Paul spent working time in New Zealand and contributed extensively to the regulatory response to the global financial crisis in the late 2000s.


Zahra Gill

Financial Crime Strategy and Change Lead at Starling Bank

Zahra has worked as a Financial Crime strategy consultant for a number of Global Financial Institutions and Fintechs for over 15 years, including Barclays, Deutsche Bank, UBS Wealth Management and ICBC Bank. Her area of expertise spans across Sales, Technology, Product, Operations and Transformation. 

As the Financial Crime Strategy and Change Lead at UK based Fintech, Starling Bank, she is a key stakeholder in managing the bank's risk appetite, policies, procedures, and tech automation of risk based client solutions. Prior to Starling, Zahra worked as a consultant for the NatWest innovation hub, where she designed and implemented bespoke, risk-based, Anti- Financial Crime frameworks to launch and scale up the digital service providers known as NatWest Ventures. 

Zahra holds an ICA International Diploma in Anti-Money Laundering from the University of Manchester and is currently studying for the Executive Level ICA Professional Postgraduate Diploma in Financial Crime Compliance. She is also a member of the International Compliance Association and sits as an advisory board member for a number of international RegTech committees.


Helene Oger-Zaher

Senior Manager of Innovation Department at Financial Conduct Authority

Helene is an innovation and payment specialist. She has extensive regulatory experience in the UK and internationally.

She joined the FCA in June 2019 and is a senior manager in the innovation department aiming to support beneficial and responsible innovation in the financial services sector, including through our different sandboxes, innovation pathways and sprints. She also led policy on payments matters, including open banking, fraud and crypto.  

Before joining the FCA, she worked at the European Banking Authority, where she developed a number of instruments in the payments space and led the supervisory work with all EU national competent authorities. Prior to that, she worked at the FSA/FCA in a range of roles ranging from supervision to competition and in the industry in compliance roles.

She holds a PhD in law.

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Daniel Marovitz

SVP Fintech at

As Senior Vice President of’s FinTech unit, Daniel Marovitz is responsible for facilitating seamless access to the marketplace for both customers and partners. As one of the largest global e-commerce companies with business operations in nearly every country and city on the planet, the FinTech landscape at presents a unique opportunity for Daniel and his cross-functional team to make buying and selling travel-related products and services through millions of cross-border, cross-currency transactions on a daily basis truly easier for everyone. With a vision to help travelers to pay when, how and in what way they want, they are also at the forefront of the company’s strategy to develop new products that strengthen’s position as the platform of choice for travel providers and businesses worldwide, driving innovations to introduce an even wider array of operational efficiencies and value-added financial services.

Having led’s payments products strategy since 2017 and with a career spanning more than 20 years, Daniel has worked across different industries and continents, including his own software startup. Daniel was previously COO and a member of the executive team at Earthport PLC, a listed, London-based, cross-border payments fintech company. He was also a Co-founder and CEO of buzzumi (acquired by, a software platform for online enterprise collaboration.

Previously, Daniel was a Managing Director at Deutsche Bank for eleven years, and served as Head of Product Management for Deutsche Bank’s Global Transaction Bank. Daniel came to Deutsche Bank from iVillage, where he was Vice President of Commerce and a member of the management team that took the firm public on NASDAQ in 1999. He started his career at Gateway, a PC manufacturer, where he served as the co-founder of the company’s Japanese subsidiary and the head of, which sold the first PC over the Internet.

Daniel is a native New Yorker who graduated cum laude from Cornell University in 1994. A patented inventor and published author, he is married with two children. He is fluent in English, Spanish, Japanese and Galician, and is working to improve his Dutch.

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Fabian Meyer

Managing Partner at CORE SE

Fabian Meyer is Managing Director in Switzerland and a member of the board of CORE SE - a European technology think tank based in Berlin. As an expert in payment services and FinTechs, he is responsible for large projects with renowned clients in the financial sector in the DACH region and the United Arab Emirates. He has several years of consulting experience in the banking sector and in transformation engineering.


Suresh Vaghjiani


Suresh is CEO and founder of B-Corp certified CLOWD9, the world’s first cloud-native, decentralized issuer processing platform. Born in the cloud, the platform delivers uncompromising, limitless payments technology around the globe. 

Suresh is a highly experienced senior executive with a proven track record of leading rapid-growth companies. He has expertise in developing products and services on behalf of both, financial technology, as well as FCA regulated companies. 

Bringing a wealth of knowledge in global payments with a number of prior senior roles including CEO of Tribe Payments, President & Managing Director of Threadd, as well as listed companies such as Paysafe Group and PXP Financial, Suresh has represented the Fintech sector and the UK Government on a number of trade missions to Mexico, Australia, and China.

John Mowat
Jovi Overo
Lee Clifton
Neelu Agarwal
Andres Betancourt
Francis Gross
Dr. William Derban
Josephine Roy
Patrik Havander
Tom Salmond
Mick McAteer
Jessica Richards
Alison Donnelly
Chris Pond
Elise Soucie
Manuel Sandhofer
Jannah Patchay
Luciana Mosoia
Nilixa Devlukia
Adam Scarrott
Kent Mackenzie
Ready to hear from inspirational leaders who have successfully navigated process, product and institutional innovation?


3rd Annual

Financial Innovation Forum
Payments & Regtech

Renaissance Hotel St Pancras - London, United Kingdom
Andrew Whitworth
Paul be
Helene Oger-Zaher
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