Our advisory board includes industry innovators, disruptors and visionaries to ensure everything we bring to market is relevant, incisive and helps drive the adoption curve of Open Banking, Open Finance and beyond.
Ana ClimenteHead of Open Banking BBVA Spain
Ana Climente is Head of Open Banking at BBVA Spain. Before, she was Head of Digital transformation for enterprise clients at BBVA Spain leading the creation of solutions leveraged on data for enterprise clients to help them make better financial decisions.
Previously, Ana was Vice President of payments and collections in the transition to SEPA and was in charge of developing cash management solutions at BBVA.
Ana joined BBVA in 2005. Before that, she worked as strategy consultant at Accenture, specialized in B2B solutions for Europe, Middle East and Africa. She also started up Adquira, a leading Spanish procurement company.
Ana graduated in International Business (E4) with a double degree in Spain and Germany in 1998 (FH Reutlingen and ICADE University) and in Business Administration in 2001 (ICADE University).
Andrew MoorPresident & Chief Executive Officer Equitable Bank
Andrew joined Equitable Bank (TSX: EQB) as Chief Executive Officer in 2007. Andrew’s focus in recent years has been in positioning Equitable Bank as “Canada’s Challenger Bank”. Andrew has been establishing EQ Bank as a leading digital banking player, with an easy to use mobile app that offers a unique combination of payments functionality and great savings rates. Equitable Bank is Canada’s ninth largest schedule 1 bank with over $30 billion of assets under management. Equitable was a founding shareholder in Borrowell, and participates in the Portage ecosystem through an investment in Portage Funds giving the Bank a view into the Canadian fintech ecosystem.
Andrew is a keen observer of the challenger and neo bank community around the world. He is interested in how banks can lever technology to improve the societies in which they operate. He is a member of the Executive Council of the Canadian Bankers Association and Chairman of the Banks and Trust Companies Association. Andrew is a Director of Sleep Country Canada Inc. (TSX:ZZZ) and a member of the Smith School of Business Advisory Board at Queen’s University.
Carlos FigueredoChief Executive Officer Open Vector
Carlos is a senior executive and payments SME with over 20 years of global business and financial sector experience. His extensive leadership, payments and large-scale programme management skills have allowed him to work for some of the leading institutions in the industry in the integration of time critical, culturally diverse and cross border programmes.
In his previous role, Carlos was the Head of Data Standards and therefore co-author of the UK’s Open Banking initiative which is the first region globally to go live with an open banking initiative.
With this experience, Carlos founded and is CEO of Open Vector which is a professional consultancy firm comprised of previous senior heads of the UK Open Banking initiative assisting institutions, corporates and regions globally with their Open Banking, open data, PSD2 and GDPR initiatives.
Charlotte DuerdenManaging Director UK American Express
Charlotte is Managing Director UK for American Express. In her role, Charlotte has responsibility for the company’s activities in the UK. This includes leading American Express’ consumer services and international currency card businesses as well as managing the company’s insurance business. Charlotte joined American Express in 2000 and has worked for the financial services company in the UK, Australia and New Zealand. Over this time she has held senior roles including Head of Product, Pricing & Portfolio Management for Europe and Head of Brand and Marketing. Charlotte is passionate about people development within American Express and is a strong advocate for diversity and inclusion. In addition to hosting American Express’ annual Leadership Academy for not-for- profits, she takes an active role in the company’s Women’s Interest Network. Outside of American Express, Charlotte is a trustee of the Friends of St Marcellin’s Children, a charity supporting orphans and vulnerable children in Africa.
Christian ClaptonChief Executive Officer Open Banking Initiative Canada
Christian Clapton is a successful executive business strategist and entrepreneur who partners with companies, communities, organisations and individuals to provide them with the guidance, technologies and strategies they need to reach the next level. A true entrepreneur and business visionary, he has led fintechs, digital marketing, technology and consumer product companies from start-ups to national award-winning success.
Christian has always been inspired by two things in business. The first is building “people first” solutions that help companies reach unprecedented growth. The second is the people he works with. Guided by the principles of compassionate leadership, he makes it a priority to connect with each team member and genuinely values their individual input in the pursuit of excellence for the project, team and organisation. This approach has earned him the respect and loyalty of the teams he has worked with over his 20+-year career in executive leadership roles.
He now brings this business and leadership acumen to the forefront of the emerging open banking movement in Canada.
As Executive Director of Open Banking Initiative Canada (OBIC), Christian is spearheading the first truly comprehensive effort to develop a market-driven open banking framework in Canada. Under his direction, OBIC gathers thought leaders in finance, payments, technology and regulation, creating a groundswell that will offer Canadian consumers choice and control over their financial data and while strengthening their financial stewardship. Christian is guiding the development of Canada’s first market-led open banking ecosystem. This ecosystem, set to launch in 2020, will prepare fintechs for the advent of open banking while accelerating the adoption of a made in Canada open banking trust framework between fintechs, banks and regulatory bodies in support of the Canadian consumer.
David BeardmoreEcosystem Development Director Open Banking Implementation Entity
David’s role at the OBIE is to lead the growth and development of the open banking ecosystem. His key objective is to facilitate and encourage end user adoption of products and services powered by open banking. This includes all marketing and events, bringing new participants into the directory, and developing effective propositions which allow consumers and businesses to derive maximum benefit from sharing their transactional data.
His 25 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for 5 years before its acquisition by Bertelsmann. Prior to joining OBIE, David spent 3½ years as the Commercial Director at The Open Data Institute where he also led their work on open banking, helping governments and regulators in Mexico, Australia, New Zealand, Japan and Canada. David regularly speaks on open banking at conferences in the UK and internationally, has co-authored a number of reports on Open Banking, and was interviewed on BBC TV on the day it officially launched in the UK.
Originally a classically trained musician, David has a Master’s from Cambridge University and an MBA in Marketing. He sits on the board of Open Data Australia, and also as a non-executive director for Boundless, a theatre company for young people. Ever the optimist, he continues to hold a season ticket at Nottingham Forest Football Club.
David ParkerFounder & CEO Polymath Consulting
I have an in depth knowledge of Payments and Payment Cards. In particular the company and myself are very well known for our work in E-money/prepaid cards and emerging payments covering areas such as mobile money/mobile wallets and Mpos. I have also worked extensively supporting and advising SMEs having been involved in SME payments projects since the early 2000.
I am increasingly active in Fintech and am currently holding a range of positions including Board NED, Board Advisor, Advisory Board, Investor in companies including: Cybertonica, Itemize, Journolink, Curve, Bee Good, Konsentus, 3S Money, Trezeo, Zeux and PiePeople. I have previously enjoyed mentoring through startupbootcamp and was voted in both years as ‘Leading Mentor’.
Dr Ruth Wandhöfer
Dr Ruth WandhöferGlobal Fintech 50 Influencer
Dr. Ruth Wandhöfer has been instrumental in shaping the future of finance during her impressive career over the last 19 years. She operates at the nexus of finance, technology and regulation and is passionate about creating the digital financial ecosystem of the future. She is a very influential female leader in the technology space, promoting the understanding, deployment and business models of our digital future across financial markets and processes.
With a diverse career across regulatory policy development, banking, Fintech/Regtech mentoring, investing and consulting she finds herself at the centre of the evolving digital ecosystem of players with the ability to advise, accelerate, promote and enable technology players to become an integral part of the new financial ecosystem.
Ruth began her career in banking. After a distinguished career of over a decade with Citi, Ruth is now an independent Non-Executive Director on the boards of Permanent TSB and Digital Identity Net as well as a Partner at Gauss Ventures – a VC firm focused on early stage FinTech investment.
She is also a Strategic Adviser of the European Third Party Provider Association (ETPPA) as well as Adviser of RTGS.global. Until recently she served as independent Non-Executive Director on the Boards of the London Stock Exchange Group and Pendo Systems Inc. and as senior adviser to KPMG.
Ruth was named as one of 2010s ‘Rising Stars’ by Financial News; named in Management Today’s 2011 ‘35 Women under 35’ list of women to watch and identified as one of the 100 Most Influential People in Finance 2012 by the Treasury Risk Magazine. She received the ‘Women in Banking and Finance Award for Achievement’ in 2015 and in 2016, 2017 and 2018 she was named on the global ‘Women in Fintech Powerlist’ of Innovate Finance. She is a 2018, 2019 and 2020 Top 10 Global Fintech Influencer (Fintech Power 50).
She speaks five languages, has completed studies in Financial Economics (MA, UK), International Politics (MA, FR) and an LLM in International Economic Law (UK). She was awarded a doctorate by CASS Business School, London and Tilburg University in 2019 for her PhD thesis in Finance on the topic of “Technology Innovation in Financial Markets”.
She published two books: “EU Payments Integration” (2010) and “Transaction Banking and the Impact of Regulatory Change” (2014), is a Fellow of CASS Business School City University London, a Visiting Professor at the London Institute of Banking and Finance and occasional lecturer at Queen Mary London School of Law.
Her views are widely sought after in the global press, and her opinions have recently been published in Sifted, FT and Forbes, to name just a few publications.
She balances this extraordinary career while raising her children and champions for a better work life balance for parents and more support for women entrepreneurs.
Eyal SivanMr Open Banking
Eyal Sivan is the Head of Open Banking at Axway, where he is responsible for positioning the firm as the number one thought leader and integration solution provider in the open banking space. As a member of the elite Catalyst team, he brings a high-degree of specialization in API and microservices technologies within the FSI sector, with a particular focus on how they accelerate digital transformation.
In his efforts to drive advancements in open banking around the world, Eyal has also created the unique personal brand Mr. Open Banking. Under this name, Eyal hosts the only podcast dedicated to the open banking community, where he interviews the key leaders, innovators and influencers who are driving and shaping the global emergence of open banking.
Helen BiertonChief Banking Officer Starling
As Chief Banking Officer at Starling, Helen is responsible for the commercial propositions within the bank including lending, SME and Retail Banking, Marketplace and Starling’s B2B Banking Services. She joined Starling, a leading digital bank, in 2018 from Santander, where she worked from 2007.
Previously she undertook roles in Product, Pricing and Strategy at Alliance & Leicester and NatWest. Since joining Starling Helen has led many key projects including the development of Starling Kite, a debit card for kids and the rapid launch of government backed loan schemes, the Coronavirus Business Interruption Loan Scheme (CBLIS) and Bounce Back Loan Scheme (BBLS). Both loan schemes are providing support to small business customers across the UK during the COVID-19 pandemic.
She was recognised as one of the top 50 customer experience professionals in the country in Marketing Week’s CX50 list twice (in 2019 & 2020) and was recognised by Women in Banking and Finance in 2017 as a shortlisted finalist in the Champion of Women category. She was also included in Innovate Finance’s Women in Fintech Powerlist in 2019. She represented Great Britain in archery at the Athens Olympics in 2004.
Hetal PopatGlobal Open Banking Director HSBC
Hetal is Director for HSBC UK and Europe Open Banking and PSD2 programmes. He is accountable for delivering the open banking solution specified by the CMA/PSD2 and also for supporting the businesses as they seek to develop propositions that use open banking to benefit customers.
Prior to this role he lead front office commercial/corporate banking teams at Barclays, as well as heading strategy functions at both Lloyds and Barclays. He is a keen adopter of new technologies and all things digital.
Janine HirtChief Executive Officer Innovate Finance
Janine Hirt is the Chief Operating Officer and a Board Member at Innovate Finance (IF), the industry body for UK FinTech. Janine is responsible for monitoring key trends in FinTech and innovation to ensure Innovate Finance is continuously providing its membership community – from startups to multinational financial institutions – with the best support possible. Having joined the founding Innovate Finance leadership team in 2015 first as Head of Membership then Ecosystem Director, in her role as COO Janine continues to oversee IF’s broader member ecosystem and directly manages the relationship with its highest supporters. She currently runs the IF Institutional Forum and previously ran IF’s Artificial Intelligence Working Group, Financial Inclusion Working Group, RegTech Working Group, and Payments Working Group. Janine regularly speaks on various FinTech and innovation themes at conferences and events around the world.
Janine received her BA Magna Cum Laude from Boston College, JYA at Oxford University, and her MSc from the London School of Economics. Janine is an American, Swiss and German national who calls NYC and London home.
John BroxisManaging Director Open Banking Europe
John has been working in payments and banking systems since 1997 with Logica (now CGI) in London and Saudi Arabia. He moved to EBA LEARING in 2002 to support the development and launch of STEP2, the pan-European ACH.
In 2007, he became Director of STEP2 taking the platform through SEPA migration to be the largest clearing system in Europe. During this time, John was also part of the ISO20022 standards definition, and helped write the SEPA rulebooks.
In 2010, John created MyBank, a pan-European e-authorisation solution for online payments and Open Banking, which went live in 2013.
In 2014, MyBank was moved to a separate company, PRETA S.A.S. with John as Managing Director.
In 2017 John launched the Open Banking Europe initiative, which holds a Membership Program that provides guidance and information to the financial industry and a Regulatory Directory service for PSD2 Access to Account and Open Banking. In 2021, Konsentus acquired Open Banking Europe from PRETA. The Open Banking Europe initiative will continue to provide its members with a collaborative environment to identify market issues and problems, championing awareness and creating solutions via guidance, standards, and tools.
Today, John is an expert on all aspects of Open Banking and Open Finance, regulatory compliance, and alternative payment methods, running an advisory program that brings together banks, third party providers, solution providers and qualified trust service providers.
Joris HensenInitiator and Co-Lead Deutsche Bank API Program Deutsche Bank
Joris Hensen is responsible for the development of the Deutsche Bank API program, which he co- founded at the beginning of 2015. In his more than ten years at Deutsche Bank, he has worked in various international projects as a project and innovation manager.
Joris Hensen became enthusiastic about innovations and future trends at a very early stage and in 2012 he was given the opportunity to set up a corporate foresight program in which future scenarios and innovation strategies for Deutsche Bank were developed. From 2014 on, as part of this, he was also a guest lecturer at the Zeppelin University in Friedrichshafen on the topics of foresight, innovation and design.
What once began as a foresight scenario was officially launched in November 2017 as a developer portal, which offers external partners the opportunity to connect personalized apps and services via the API of Deutsche Bank (dbAPI), thus opening up new areas of value creation for Deutsche Bank.
Joris Hensen understands himself as an intrapreneur and is dedicated about future trends and how they can change and improve people’s lives.
Follow him at @joris_hensen on Twitter.
Kate FrankishDirector of Strategy Pay.UK
Kate has worked in financial services for over 20 years. Through a number of diverse roles in marketing, product development, technology and payments, the common thread for Kate is the delivery of great customer journeys and solutions. Kate has a very strong focus on innovation, driven by consumer demand and global market movements. Kate actively works with Fintech companies and this has given her further insight into the types of problems that customers experience and how to go about providing relevant and meaningful solutions. Kate now leads the Strategy and Standards team at Pay.UK with the purpose of driving innovation in the payments ecosystem and enabling a vibrant UK economy.
Lana Tahirly Abdullayeva
Lana Tahirly AbdullayevaMD Strategy @CB Group, Founding Director @Chez FinTech
25+ years in Tech & Fin internationally, across a number of developed and fast-growing economies, creating new portfolios of digital ventures to deliver impact.
Scientist by education, strategist by experience and visionary by heart, Lana offers deep industry expertise from her years with blue-chip global brands. She has been instrumental in working with the market leaders and regulators driving transformational changes across the industry.
A seasoned executive and NED, Lana brings a strong vantage point on how FS evolves in the digital age. She advocates reshaping economics and governance over the traditional FS to drive digital economy.
Mark CurranDirector of Business Banking TSB Bank
Mark Curran is the Business Banking Director at TSB. He has worked in the Banking sector for 30 years in a wide range of roles including payments, IT, SME and Retail Banking. He chaired the industry-wide programmes to deliver the UK’s Current Account Switching Service and the move to Digital Cheque imaging.
Mark LochGroup Payments and Money Services Director Tesco Bank
Mark is Group Payments and Money Services Director at Tesco Bank, responsible for delivering exceptional products and experiences for Tesco customers, not least in the payments space. Tesco is uniquely positioned to bridge customers shopping lives and money lives by leveraging some of the opportunities that Open Banking brings and Mark is responsible for identifying and driving forward these opportunities. An expert in customer experience and digital transformation, Mark has experience across a number of organisations including Accenture, Barclays and IMG.
Nilixa DevlukiaRegulatory Expert Payments Solved
Nilixa is the founder of Payments Solved a regulatory consultancy advising on the regulatory framework for crypto assets, CBDC, payment services and open banking 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 European Banking Authority and as Head of Regulatory at the Open Banking Implementation Entity. Nilixa has worked extensively with the European Commission, the European Central Bank, the World Bank and regulators across the globe. Nilixa has represented the UK and FCA on various EU and UK level committees including the ECB SecurePay Forum, the EU API Evaluation Group and the UK Payment Strategy Forum and lead on the publication of the FCA Approach Document on Payment Services and EBA Consultations. Nilixa is a well know public speaker and works with industry, regulators and legislators to drive changes in the banking and payments ecosystem for a payments and open banking landscape that is secure, transparent and inclusive.
Pedro Pinto Coelho
Pedro Pinto CoelhoFounder / Chairman Fination / Portuguese Fintech & Insurtech Association
Innovative, agile and multi-award winning banking leader with over 25 years’ international financial services experience with leading blue-chip institutions across three continents in progressive leadership roles, both executive and NED, in Digital Banking/Fintech, General Management, Business Development, Strategy, Investment Banking, and Wealth Management.
Rami ThabetVice President of Digital Product Royal Bank of Canada
Rami Thabet is the Vice President of Digital Product. In this role Rami leads the team responsible for envisioning, building and shipping industry leading digital products. He is responsible for RBC’s Digital channels, Omni-channel experiences and key capabilities such as identity and security and the API platform.
Rami has been with RBC for over 7 years and held various roles in Marketing & Channel Strategy, Technology & Operations, Payments & Cards and Digital. Most recently, Rami led the mobile, tablet and wearables organisation and delivered on a number of key capabilities and Canadian firsts in payments, identity and the NOMI Artificial Intelligence platform as well as the creation of RBC’s J.D. Power award winning mobile platform. His team has recently been awarded Celent’s Model Bank of the Year award for delivering personalised client engagement, creating exceptional customer-focused experiences and building digital literacy among employees.
Prior to his time at RBC, Rami held a number of roles across business, technology and consulting in the financial, technology and public sectors including BMO, CIBC, Manulife, Cancer Care Ontario, Ontario Government and CGI.
Rami graduated from Harvard University with a Bachelor’s Degree in Mathematics and Artificial Intelligence. He also holds a MBA from Cornell University.
Richard DaviesChief Executive Officer Allica Bank
Richard is a leader in SME banking and fintech, having spent the last two decades working with UK banks and the fastest growing fintechs. He is the CEO of Allica Bank, a digital challenger bank focused on SMEs, and NED at WorldRemit. Previously he was the group COO at Revolut, as the company expanded from 5 million to 15 million customers and launched in a number of new markets. At OakNorth he developed the business model, technology, and regulatory licence application as the inaugural CEO. In large banks, he has been TSB’s Commercial Banking Director, and COO for HSBC’s UK Commercial Bank.
Rob HaleChief Digital Officer Regional Australia Bank
Rob is a global citizen who has lived and worked in Finance, Insurance and Telecom industries across four continents. He’s a current member of the Australian Consumer Data Right (CDR) Banking Advisory Committee and in 2020, led Regional Australia Bank to become the first Accredited Data Recipient, and the first Australian bank to both publish and consume CDR data. He’s an active member of the customer-owned banking sector and is passionate about technology partnerships with Fintech that foster positive consumer outcomes.
Simon CuretonChief Executive Officer Funding Options
Simon Cureton is Chief Executive Officer at Funding Options, where he’s using his extensive experience in the alternative finance sector to ensure the company is at the forefront of Open Banking and other innovations within the industry. Before becoming a founding member of Esme Loans, Simon was a graduate of investment banking, holding senior posts globally at Barclays, Deutsche Bank and Morgan Stanley. His travels have taken him as far as Hong Kong and Australia, where he now has dual citizenship having spent eight years working in finance, most notably at CBA where he started his fintech journey. His international pedigree leaves him well placed to lead Funding Options through the evolving landscape of digital finance.
Simon EacottHead of Product Development and Innovation (Payments) NatWest Group
Simon has extensive experience in the Payments industry, with expertise in strategic change programmes, cash management sales, operations and product management.
As Head of Product Development & Innovation Simon leads the Payments customer centric Innovation programme together with product / scheme responsibilities.
Prior to this role Simon was Head of Design and Franchise Delivery leading teams to deliver transformational change to meet alternative State Aid remedies with the European Commission and Her Majesty’s Treasury following the decision to stand down the divestment of Williams & Glyn.
Simon joined RBS in 1994 from HSBC where he held various leadership roles in Payments and Cash Management.
Well known and respected at industry fora, Simon’s current external responsibilities include membership of the Participants Advisory Council supporting the Pay.UK Board and the CHAPS Strategic Advisory Forum.
Simon has two children and he is a keen cyclist and golfer as well as a long suffering fan of Yeovil Town Football Club.
Tanja ImamovicOpen Banking Leader Raiffeisen Bank International
With more than 15 years’ experience in areas of digital transformation, strategy development, product management, innovation and advisory, Tanja is responsible for Open Banking in Raiffeisen Bank International. She started her career in Digital banking development for Retail and Corporate customers in Raiffeisen Bank Bosnia & Herzegovina where she was responsible for digitisation projects. Following successful digital transformation initiatives, she continues her career as Head of Product development where digitisation strategy meets balance sheet. After establishing the first Digital Banking Competence Center in Bosnia & Herzegovina, she is joining Raiffeisen Bank International on the path of transforming PSD2 regulation into the full scaled business known as the Open API Tribe. Focusing on value, big picture, people empowerment, awareness and technology are for her key pillars of successful business. She strongly believes in balanced life and accepts change as one of the constants in our journey. She considers her family as the main cell of the life, and enjoys a good book, movie and yoga.