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



9th NextGen Payments & RegTech Forum 


Chris Aruliah

Chief Product Officer, BCB Group 


Chris is an industry veteran, passionate about financial innovation, and was previously at Bitstamp, where he held the role of Head of Business Development and was responsible for helping financial institutions enter the crypto market and focused on identifying opportunities for integrating crypto with traditional finance. Prior to that, he launched the open banking payments platform, Token, and built the pipeline for the business in Europe.

Ruta Merkeviciute

Director,Financial Service and Capital Markets Supervision at Bank of Lithuania, Co-chairperson of the Standing Committee on Payment Services (SCPS) at European Banking Authority, Alternate Board Member at European Securities and Markets Authority (ESMA) 


Rūta Merkevičiūtė is a Director of Financial Services and Markets Supervision Department at Bank of Lithuania, that is among other responsibilities is supervising payment market participants, i.e. over 120 so called FinTech companies (E-money and Payment institutions) and other payment service providers (banks, credit-unions and etc.).

She is also a co-chairperson of Standing committee, consisting of EU-27 Competent authorities, on Payments Services at European Banking Authority (EBA), that’s objective is to implement EBA's work programme, in areas related to payment services and electronic money and EU single payment market. She has professional legal qualification as an attorney-at law and for the past 10 years has been working both in private sector and financial sector’s supervision in the areas of responsibility that include AML, payments, open-banking, lending, crowdfunding, investment services, FinTech industry, Regulatory Sandbox and transposition of EU Directives such as PAD, PSD2 and AMLD4.

Previously, she was member of Lithuanian’s Payment council group, which were dedicated to investigate to further implementation of Open Banking in Lithuania.

Marius Nedelcu

Chief Marketing Officer at TransferGo 


Marius has had an unconventional journey to becoming a marketing and brand strategist. After a successful music career in his native Romania, Marius spent 15 years in the health and fitness industry, managing country-wide marketing operations and brand development.


Now, as the CMO for TransferGo, an international money transfer service that specialises in migrant remittances, Marius relies on his diverse marketing experience to guide the organisation’s sales and marketing efforts across complex international markets. As a migrant himself, Marius is passionate about developing creative PR, social, out of home advertising and direct marketing campaigns to drive brand awareness amongst a dispersed customer base and against the backdrop of rising anti-migration sentiment.

Dr. Justine Scerri Herrera

Partner at MK Fintech Partners Ltd 


Justine is a warranted Maltese lawyer who obtained a Doctorate (LLD) from the University of Malta and a Law Master’s Degree (LLM) from the University of Groningen in the Netherlands. Justine started her legal career in the courtroom as a Criminal and Civil Litigator but quickly moved on to work in the corporate world where she gained experience in other sectors, namely the Financial Services and Investment Services sector/Capital Markets.

Justine’s previous employment includes employment with a Top Criminal Law Firm, an International Bank and a Leading Investment Services Firm (Exante). Last April 2019 Justine also received certification for a Capital Markets course she followed at the Malta Stock Exchange (MSE) titled ‘Trading Equities, Bonds and ETFs’ and a course titled ‘Virtual Financial Assets’ by the Malta Institute of Management (MIM) in preparation for obtaining the VFA Agent Licence needed to service crypto related clients. Justine currently specialises in the Fintech Blockchain and Cryptocurrencies sector at MK Fintech Partners which entity forms part of ‘Michael Kyprianou & CO. LLC’ group, which is incidentally Top ranked in The Legal 500 and according to Gold Magazine is the 3rd Largest in size in Cyprus. Justine mainly deals in advising and licencing for issuers and service providers falling under the Maltese Virtual Financial Assets Regulations (crypto & blockchain), Investment Services Act (Capital Market players, Capital Raising etc) and Financial Institutions Act (EMI, PI).

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. 

Georgios Kolovos

Global Head of Product Partnerships at PayPal 


Georgios is responsible for identifying and developing new strategic partnerships, uncovering new markets and customer engagement opportunities to increase PayPal's reach. A results-oriented business development executive with extensive experience building and strengthening businesses, building partnerships; improving customer experience, developing new online channels and entering new markets/segments. A leader with a global mind-set having managed employees across 15 European, Asian countries & Australia, worked with customers from 4 continents and lived in 9 EMEA countries.

Dr. Michael Salmony

Executive Adviser to BoD at equensWorldline SE, regularly helps shape future directions in European decision making bodies e.g. European Commission, EPC, ERPB 


Dr Michael Salmony is an internationally recognised leader on strategy of business innovations in digital and financial services with a particular focus on Payments, Open Banking, FinTech and Digital Identity.

He is board-level advisor to major international banks, industry associations, regulators and finance bodies across the world and regularly helps shape future directions in key decision making bodies (e.g. European Commission/ECB in Europe, and central banks from Japan to Uruguay and Kazakhstan). He is Executive Adviser to the Board of Worldline Financial Services, Europe’s largest (and the world’s 4th largest) financial processor of transactional services, which handles over 17 trillion Euro per year.

His views are much in demand as keynote speaker at international events and he appears on TV/Radio/all electronic media on advances in finance and is quoted extensively (e.g. Financial Times, Harvard Business Manager, New Scientist, The Economist and by business schools and governments from Ghana to Malaysia). He has published many original works which have been translated into many languages including German, Italian, Dutch, Finnish, Polish, Danish, Turkish, Russian, Chinese and Japanese. He is extensively networked into the new financial services space and has the top 5% most viewed profile out of the 200 million members in the world’s largest professional network LinkedIn.

Previous positions include Director Business Development of leading national central bank

(Bank of the Year, Best Innovator Award). Before entering the world of finance, he helped transform companies and business models in many industries as IBM's Director of Market Development Media and Communications Technologies. He studied at the University of Cambridge UK and is married with two millennial children.

Christos Christou

Group Chief Compliance Officer at LuLu International Exchange 


A professional Compliance Officer working for 30+ years in the banking and non-banking financial services industry.  He holds a banking degree (Chartered Banker Institute - UK), and an MBA from the University of Liverpool; he is a Certified Anti-Money Laundering Specialist (CAMS) and Certified Global Sanctions Specialist (CGSS) from ACAMS®.  He practices Regulatory Compliance and AML/CFT for 15 years, specializing in Sanctions, Trade-Based Money Laundering, Advanced Analytics and Forensics, and RegTech/FinTech.  He started his career from Banking Operations and moved into training and development within the banking sector until 2005; for 15+ years he also worked as a part-time adjunct lecturer for the Chartered Bankers Institute, other Professional Training Academies, and different Universities and Colleges in Europe. He became a Group Compliance Project Manager for the bank in 2005 implementing policies, procedures, systems, and controls and he had different management positions within the Group Compliance Division of the bank.  Since 2013, he works as the Chief Compliance Officer for Lulu Financial Group offering money remittance and foreign currency exchange products in multiple countries within GCC and APAC regions.  He is a member of the Task Force for ACAMS® for exam writing, conferences, and subject matter experts panels, moderating and member of panels for many different conferences; he also is an active member of the Private Public Partnership Sub-Committee of the National AML/CFT Committee of the UAE.

Jessica Ramos

Head Of Regulatory & Oversight Affairs at EBA Clearing 


A legal, regulatory and oversight expert active in the financial industry in the Brussels area, currently Head of Regulatory and Oversight Affairs at EBA CLEARING.


A passionate advocate for diversity and inclusion, a promoter of inspirational leadership and a cyber security enthusiast, which she channels throughout her activities as the Belgian ambassador for the European Women Payments Network (EWPN), as a Board Advisor to CyberWayFounder and The Nine, as Mentor for ConceptionX and co-founder of Mizbiz.


A member of the New York Bar, registered to the Belgian Company Lawyers Bar (Institut des juristes d'entreprise (IJE)). An active member of the In-House Competition Lawyers Association (ICLA) and named winner of W@ Competition "30 in their 30's women in Competition Law" in 2017.

Michael C. G. Charalambides

CEO at EcommBX 


Michael is a long established professional in the e-payments Industry holding key positions in local and global payments and e-money institutions.  He has served as a member of Boards of the fintech industry, PIs, EMIs and investment institutions.  Michael specialises in European Electronic Payments, has knowledge of PSD 1&2 directives and banking regulations, but he is also an optimist in changing and evolving blockchain technology. Michael holds a strong clientele and specialises in advising his partners for banking and e-payments across the betting, gaming and investment companies.

Gregory Dellas

Chief Compliance and Innovation Officer at EcommBX 


Gregory Dellas is the Chief Compliance and Innovation Officer at ECOMMBX, an Electronic Money Institution with a flexible FinTech platform for cross-border inter-bank transactions. Whilst at the Bank of Cyprus, Gregory led the anti-money laundering (AML) risk management team within the International Banking Services Division and acted as the local compliance officer. His team was responsible for the onboarding of high-risk clients, the evaluation of large and complex transactions, as well as the review of existing and approval of new high-risk client relationships. In addition, Dellas was responsible for providing advice, guidance and specialized training to management and staff on AML and regulatory compliance matters.  

In the past, Gregory worked with Coopers & Lybrand in Nicosia and held various senior and managerial positions in Cyprus Popular Bank and the Bank of Cyprus in wealth management, compliance and other areas. He has extensive experience as a private banker and led the setup of private banking units in the U.K. and Romania. He also served as the group money laundering compliance officer and was responsible for the AML function for Cyprus Popular Bank and all its overseas subsidiaries. Gregory is the founder and Chair of the ACAMS Cyprus Chapter, since 2015. He is CAMS, CGSS, CAMS (Advanced) – Risk and CAMS (Advanced) – Audit certified, a certified CAMS trainer, a GCI certified trainer, a Fellow of the International Compliance Association (ICA) and a long-standing member of the Anti-Money Laundering Professionals (AMLP) Forum. He also holds an MBA from Lancaster University in the UK and a BSC (Hons) Industrial economics from the University of Warwick. 

Shubhanga Prasad

Director - Strategy, Product & Tech at OakNorth Bank 


Strong operations and strategy executive with experience across multiple functions including product development, digital-led financial services, marketing, management information, operations, technology, customer services, strategy and planning, fintech investments, and consulting. Primary interests lie in defining new strategies, leading large transformational efforts and execution to help build organizations and teams that deliver growth while actively managing risk. Experience in end-to-end operations, business continuity, outsourced functions / vendors, and risk & controls with a track record of sustained delivery to help scale businesses in a disciplined manner.

Panagiotis Kriaris

Head Of Business Development at Unzer 


I have spent my career in the borderline between business and technology and bring expertise from senior leadership roles that combine Financial Services & Banking with FinTech, Payments, E-commerce & Digital Projects.


Having worked across the board in Financial Services & Banking (key roles in Commercial / Corporate & SME Banking, Retail Banking, Payments and FinTech) I have an end-to-end understanding of the entire business and of both the challenges and opportunities in the industry today.


On the technology side, I bring hands-on experience from the start-up and e-business space where I have had the chance to explore how technology and new e-business models can drive innovation and help businesses grow.


It has been fascinating throughout my career not only to watch the convergence of these multiple / parallel worlds but also to take an active role in its shaping.


Innovation, strategy, building businesses and products from scratch and setting up partnerships have been at the center of my work and attention over the last years.

Siri Børsum

Global VP Finance Vertical Eco-development & Partnerships at Huawei Consumer Business Group