Regulatory and Technology Lawyer with broad experience in banking, regulatory consulting and FinTech/RegTech start-ups.
Konstantinos Perifanos has joined OakNorth in 2019 as a Director of Machine Learning. Prior to OanNorth, he worked at Sainsbury's Argos, Royal Mail, Pearson and in research; he was involved in a broad range of projects from European Research programs to FinTech, Logistics, Retail using Machine Learning and AI. He is interested in Deep Learning, Optimisation, and Natural Language Processing.
Massimo is a highly regarded professional in the blockchain field. Massimo promotes simple decisions which help customers solve problems from different angles, i.e. personal, financial, environmental sides. Massimo is Senior Expert and Advisor in fin-tech, blockchain in finance. for several international organizations, i.e. United Nations agency Alliance of Civilization, United Nations Centre for Trade Facilitation and Electronic Business (UN/CEFACT)-UNECE Italy, etc.
After working in international financial markets for 20 years as Senior equity banking analyst,
Massimo has worked also as a university professor of fintech and international finance in Rio de Janeiro Brazil, Turin Italy and Wuhan China.
MICHAL VODRÁŽKA is director of Payments Regulation and Financial Innovations Division at Czech National Bank. He works on regulatory and policy issues of payments and fintech in the Czech Republic and the EU.
In this role, he is responsible for driving innovation globally across the Cards and Payments businesses, creating customer and commercial opportunities from the rapid changes in payments.
His team is responsible for designing and developing exciting new innovations such as the award winning grab+go and dine & dash.
Nick is a seasoned conference speaker at industry events: select engagements include keynote at
The Fintech World Forum, The Cards and Payments Summit, Lafferty International Cards and Payments Conference and the Future of Payments Conference. Nick has an established presence as a thought leader in payments as the author of many articles and active on social media.
Robert was appointed CEO of international payments business Moorwand Limited
following a distinguished career in the card and payments industry.
For the past six years, he has been named in the Payments Power 10 (including being
ranked #1 in 2015), a highly competitive ranking of the most influential contributors
Robert has deep expertise in e-money and is highly skilled in all aspects of consumer
finance issues, including consumer protection, banking regulation, and compliance
and anti-money laundering.
In the UK, he works closely with The Payments Services Regulator, HM Treasury and Financial Conduct Association, and other compliance and industry bodies globally. He is also currently Non-Executive Board Director/Strategic Advisor to over 15 diverse payment and payment-related companies. Previously, Robert achieved success as a senior legal professional specialising in matters relating to cards and payments. He regularly speaks on issues facing the European Payments' Industry including laws
relating to Blockchain, Cryptocurrencies and Initial Coin Offerings (ICOs).
Martin’s original background is in banking and wealth management, where he worked in different global strategy and business development roles. Today, he is Digital Transformation Principal for Financial Services in Western Europe at Microsoft, working with banks and insurers to help them capture new growth, enhance efficiency and transform their business models, enabled by advanced cloud technologies and Microsoft’s global FinTech ecosystem.
Matt leads the global compliance function for Checkout.com and is its FCA-nominated Money Laundering Reporting Officer. Previously, Matt spent 10 years in the Asia-Pacific region leading financial crime compliance teams with Standard Chartered Bank, Fiserv and Deloitte.
Neeta is a senior executive with a strong entrepreneurial spirit and a commitment to driving
business outcomes with over 19 years of global banking and insurance experience and a deep
understanding of technology and financial services.
Besides her full-time role at Salesforce, Neeta is non-executive director and on the board of Young
Women’s Trust (UK), on the committee of Women in Banking and Finance (Head Women on Board
program), and a mentor with the Cherie Blair Foundation. She is very passionate about technology
disruption, transparency in financial services, open banking/finance and appears in various panel
discussions. She is an angel investor in fintech start-ups and is particularly interested in women led
Over the years, she has performed various roles ranging from building platforms, delivering large-
scale transformation programs to top banks and insurance companies, outsourcing, management
consulting to heading regions. She has managed P&L to build successful, profitable and scalable
business units and led strategic mergers & acquisitions.
Serge Reit, Deputy Head of Digital Marketing at Deutsche Bank, is in charge of further development of dynamic and data-driven marketing. He already worked in strategy consulting and advised DAX companies on digitization. Before that, he was responsible for the international rollout of digital business models in a Swiss venture capital group. In addition to a teaching assignment in Innovation Management for MBA Students, Serge is also mentoring start-ups and has been honored by German Chancellor Angela Merkel for this engagement.
During the last 2 years Vladimir scaled-up the Risk Management function of Revolut from a one-man shop to a team of over 20 professionals across enterprise, operational, financial and technology risk domains. He was driving the setting of the firm’s first formal risk appetite, risk governance, risk methodologies and processes. Under Vladimir’s supervision the Risk Technology team started establishing “risk as a product” by automating core risk processes related to risk assessments, monitoring and decision-making. After the Group CRO joined in November 2019, Vladimir took a Deputy role with primary responsibility over managing financial risks group-wide and providing functional leaderships to 1LoD risk managers.
Before joining Revolut, Vladimir has held various leadership roles in Treasury, Investments and Financial Risks in “old-fashion” banks from Russia, Netherlands and Luxembourg.
Vladimir studied physics in Moscow State University and University of Amsterdam, where he received a PhD degree.
Swati Kalra is Head Of Projects and Product Operations at Monese. Before she was Vice President in Morgan Stanley Technology, and she is experienced in strategic decision making, managing and influencing stakeholders and presenting ideas to industry along with product management, team leading and execution skills. She has a wide experience in technology roles of product management, business analysis, stakeholder management, architect and developer.
Passionate and exploring technology startups, venture and social investing
Herman Ciappara was appointed Head of the MFSA’s FinTech & Innovation function in September 2019. Herman started his 30-year long career at the Central Bank of Malta in 1989, holding several managerial positions within a number of functions at the Bank, amongst them, Information Technology, Operational Risk and Information Security. Since 2011 he has held the position of Head of Payments & Banking, responsible for the implementation of SEPA Regulation, Interchange Fee Regulation and PSD2, whilst acting in a catalyst role to influence retail payments policy and the development of the payments landscape in Malta. During this time he was Chair for the Payment System User Group, working closely with the Malta Bankers’ Association, as well as Chair of the Malta Clearing House Committee and the Malta SWIFT User Group. On a European landscape, Herman was an active member in the Market Infrastructure and Payments Committee at the European Central Bank, the Standing Committee for Payment Services at the European Banking Authority and the Commission Expert Group on Banking, Payments and Insurance at the European Commission.
Kirsten Ellul is a Senior Officer at the Regulation and Oversight office at the Central Bank of Malta and worked extensively on the transposition and implementation of the PSD2 into Maltese legislation.
Kirsten participates in a number of European Fora on payments including the Forum on the Security of Retail Payments, and the Commission Expert Group on Banking, Payments and Insurance. For the past year, Kirsten has been supporting local credit and financial institutions in the implementation of APIs and to achieve compliance with the provisions of the RTS on SCA and CSC in a timely manner. Before joining the Central Bank of Malta, Kirsten has worked at one of the major retail banks in Malta.
Nicholas Messaritis currently holds the position of Chief Technology Officer for the last 3 years, the last 6 months working for EcommBX Electronic Money Institution. Previously, he worked as a software developer and payments consultant for financial software vendors TSYS and OpenWay. Nicholas is still actively involved in software development and he is fascinated by new development in the space of software development and by fintech innovations especially in the area of automations.