Open Banking Expo Europe Speakers
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).
Anupam MajumdarPrincipal Flagship Advisory Partners
Anupam is a Principal with Flagship Advisory Partners, a boutique consultancy and M&A advisory firm for the payments and fintech marketplace. Anupam has 16 years of deep payments advisory experience in open banking, B2B payments, and online merchant acceptance across Europe and Asia. Anupam has advised numerous PE firms, banks, PSPs, card schemes, fintechs and investment firms on growth strategy and buy/sell side M&A advisory.
Arturo Gonzales Mac Dowell
Arturo Gonzales Mac DowellBoard Member, European Payments Council Tink
Arturo is the CEO of Eurobits Technologies, a Tink company. His career has been marked by his role in the introduction of high-tech products and services to the financial sector. His pioneering work in financial technology has led to innovative services like electronic payments, mobile banking and electronic invoicing. Eurobits has been offering services now classified as Account Information Service in Europe since 2004 to some of the top Eurozone and LATAM top banks, making Eurobits the pioneer in this market. Arturo launched Eurobits, went through an MBO and ultimately sold the company to Tink during 2020. Eurobits is a signatory to the Future of European Fintech which has campaigned for fair access under PSD2. Arturo is the Vice-Chairman of the European Third Party Providers Association and represents the ETPPA at the ERPB and the EPC. He is also the vice-chair of the Spanish Fintech Association (AEFI).
Bertrand JeannetChief Executive Officer Budget Insight
After graduating with a Master’s degree in Strategy & Consulting, Bertrand has quickly sensed the beginnings of the future revolution: Open Finance. He advised several innovative players (mainly fintech companies) in their global strategy for four years. In 2018, Bertrand joined Budget Insight as the Head of Risk & Compliance before becoming the CEO.
Christian is Co-Chairing the SEPA Payment Account Access Scheme at the EPC. Previously he was as Director in the Corporate Bank of Deutsche Bank’s Product Management Team, responsible for managing Payments globally. He had held various regional and global product management positions both in Cash Management as well as Trade Finance at Deutsche Bank.
Christian graduated from the University of Mannheim in 1997 with a Master in Business Administration and Computer Science and holds a Diploma in Strategy & Innovation from the University of Oxford. He lectures negotiations and managerial skills at the University of Mannheim. In his leisure time, he enjoys running, travelling, and dining out.
Daniel GlobersonHead of Bank of APIs NatWest Group
Daniel is the Head of Open Banking at NatWest Group. He is leading our regulatory commitments in the United Kingdom and Europe, driving a culture of API enablement, and collaborating across the industry in establishing standards. Daniel provides regulatory, competitive, and strategic insight bank wide as well as with customers and partners. Prior to this role, Daniel drove the formation of Risk Solutions, leading risk and capital technology and change activities focused on improved lending capabilities, adherence with complex regulation, and advanced data insights. He has over 28 years experience at the crossroads of banking and technology while being associated with some of the worlds leading financial institutions in the United States, Switzerland, and the United Kingdom. Daniel joined from Barclays Capital, where he led an Enterprise Solutions organisation inclusive of Risk, Finance, Treasury, Capital, Portfolio Management, CVA/FVA Management, and Architecture. Previous roles have included portfolio strategy, trading technology, prime services, infrastructure, and more. Daniel majored in Business at Skidmore College, has been a featured speaker and author for industry publications, is a mentor/advisor in FinTech, holds industry registrations in trading and operations, is a Six Sigma Black Belt, and a founding member of multiple industry associations.
David ParkerFounder & Chief Executive Officer 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’.
Ellie DuncanHead of Editorial & Broadcast Open Banking Expo
Former Financial Times Group journalist Ellie Duncan has a decade of experience across financial services. While arguably best-known for her asset management work, she has also covered open banking, credit, private equity and entrepreneurship.
Gerald GruberChief Commercial Officer bunq
As bunq’s Chief Commercial Officer, Gerald Gruber is responsible for new business development, international expansion and strategic partnerships.
Gerald joined bunq’s senior management team in September, 2019 and has played a pivotal role in bunq’s rapid expansion across the European Union. During his time at bunq, Gerald greatly enriched the user experience by forging groundbreaking partnerships, such as with Paysafecash, Currencycloud and dozens of others. Much like bunq itself, Gerald’s efforts consistently break barriers, open new markets and make innovation available to more and more people every day.
Prior to joining bunq, Gerald was the General Manager of Mastercard’s Austrian branch, where he determined market entry strategies, product and service innovations, managed organizational transformation and built local and international partnerships.
Gerald has a Master’s degree in computer science from Graz University of Technology as well as an MBA from London Business School.
Ghela BoskovichHead of Europe Financial Data & Technology Association
Ghela Boskovich is the Head of Europe for the Financial Data and Technology Association; she is also a well-known advocate for improving inclusiveness and diversity in Financial Services.
Ghela’s past work was centered on fast-tracking internal innovation and the practical application and comercialisation of fintech/bank collaboration. Currently, she focuses on fostering an ethical data democracy, individual consumer empowerment over their data, data economy disruptive business models, and facilitating banks’ emerging technology consumption.
Ghela takes product, service, journey, and business model redesign from initial concept to go-to-market delivery. Her strong regulatory economic background lends an ability to navigate compliance mandates with a commercial angle, as well as identify new commercial opportunities in a rapidly deregulated landscape. She is an evangelist for Open Banking and Finance as a means to nurture Customer Lifetime Value, and transform Financial Services for the greater good.
Gijs BoudewijnDeputy General Manager, Dutch Payments Association & Chair Payments Systems Committee, European Banking Federation
As of 1 February 2014 Gijs Boudewijn (The Netherlands, 1958) holds the position of Deputy General Manager at the Dutch Payments Association. Before that he was responsible for payments and security at the Dutch Banking Association. He has extensive experience in domestic as well as international payments related issues, including governance, regulation and innovation, competition law and fraud prevention. He started his career as an in-house lawyer at a large Dutch savings bank, and later became Head of Legal Affairs at the former central Dutch clearing house, Bankgirocentrale, the predecessor of Interpay, later equensWorldline. Already during that period he represented the Dutch payment sector in various fora in Brussels, for instance in the context of eurocheque International (later Europay/Mastercard Europe). In 1998 Mr Boudewijn joined the Dutch Banking Association as Head of Payments and Security Affairs, and in 2014 was appointed Deputy General Manager of the Dutch Payments Association. Currently Mr Boudewijn is Chair of the Legal Support Group of the European Payments Council (where he is also a member of the Board) and Chair of the Payment Systems Committee of the European Banking Federation. Over the past years he was in that capacity closely involved with matters relating to PSD, the various Regulatory Technical Standards of the European Banking Authority and the ERPB SEPA API Access Scheme Working Group. Mr Boudewijn is a regular speaker at national and international conferences on strategic payments related issues, new technologies and open banking.
Hubert RachwalskiChief Executive Officer Nethone
Hubert led Nethone from an early-stage MVP with its first POC to a global business supporting the world’s leading online platforms. After having passed a number of operational duties onto Nethone’s COO, on a daily basis, he is currently responsible for creating and operationalizing the company’s go-to-market strategy, as well as building extensive relationships with the company’s current and future investors.
He holds 2 masters degrees: an MSc from HEC Paris (MIM Grande Ecole) and an MA from the Warsaw School of Economics (Quantitative Methods in Economics & Information Systems). Before joining the Daftcode family, Hubert worked at two of the world’s leading management consulting firms – The Boston Consulting Group and PwC. Specializing in strategic advisory roles for financial institutions, IT companies and entities from the industrial goods and energy sectors, he has a world-class professional track record.
Jane MichotteHead of Customer Success EMEA Cogo
Jane’s background is commercial partnerships focused on using customer data insights to inform business & marketing strategy and influence customer behaviour. She held commercial roles in dunnhumby working in the UK, France and South Korea proving the case for international expansion, lead the Commercial team at i2c (Nectar/ Sainsbury’s JV).
She built her Fintech experience at Cardlytics, commercialising the insights and cashback rewards for Santander and LBG. In 2020, she studied Business Sustainability Leadership with Cambridge University, and found the ideal opportunity to use all her previous experience in data driven Behaviour Change combined with Sustainability by working at CoGo.
She now leads the Customer Success function at Cogo across EMEA, working across a number of Cogo’s partners including Natwest, TSB, Santander and NewDay.
Javier Orejas Saldaña
Javier Orejas SaldañaHead, Banking Services EMEA & the Americas, Global Delivery Centre International Air Transport Association (IATA)
Javier is the Global Head of Banking and IATA Pay at IATA (International Air Transport Association). He holds a Master’s degree in Law and business administration from the Complutense University of Madrid. A Pre-Doctorate in Law, MBA from ICAI/ICADE and a Master’s degree in finance and banking direction among others. In his current role is responsible for designing and leading new cash management and payments solutions which support airlines’ financial health and enables IATA to make its financial services cheaper, faster and safer. Prior to IATA, Javier held various positions at Accenture in the area of strategic banking consulting.
Joris HensenFounder and Co-Lead of 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.
Jozef KlaassenVice President, Head of Open Banking Sales Mastercard Europe
Jozef Klassen is the VP, Head of Open Banking Sales at Mastercard.
Recently returning to fintech after working for Visa in New Zealand, Jozef has over 12 years experience in the financial industry and is an economist by training. From a Dutch family, Jozef worked at De Nederlandsche Bank in Amsterdam and later for Kempen & Co.
During these years Jozef combined a career in finance with an elite sports career, representing The Netherlands in the Holland 8 at both the Beijing and London Olympics. Post training for the Rio Olympics, Jozef turned his hunger for innovation to fintech, working with multiple startups across Europe. In his current role, Jozef leads Aiia’s and Mastercard’s rapidly growing list of partnerships and clients across Europe.
Katharina BernerProduct Owner API Strategy, Open Banking & Digital Ecosystems Commerzbank
Since 2020 Katharina is a Product Owner in the API Banking unit of Commerzbank AG and responsible for Open Banking, API Strategy & Governance. She supports with her team various stakeholders within the organization in building new, API-based use cases and promotes collaboration with external partners.
Kelly StanleyCo-founder Open Banking Expo
Lana Tahirly Abdullayeva
Lana Tahirly AbdullayevaFounding Director Chez FinTech
Three decades in Tech & Fin internationally, across developed and fast-growing economies, creating portfolios of digital ventures to deliver impact – launching, investing and growing successful businesses and well-recognised brands.
Scientist by education, strategist by experience and visionary by heart, she has been instrumental in working with the market leaders and economic regulators, driving transformational changes towards the digital economy globally.
A seasoned executive, NED, Investor and Advisor, Lana brings a strong vantage point on how businesses evolve in the digital age. She advocates reshaping economics and governance over the traditional models to drive growth.
Laura MianInnovation Driver Open Banking ING
Laura has been driving open banking thinking at ING for the last five years. Her focus – new business models building with product and innovation teams around APIs, partnerships, embedded finance, banking as a service. Prior to this, she has twenty years of experience in ING transaction services, in a diverse range of senior roles across the full product range (payments, cash management, trade finance, working capital solutions). She held different responsibilities along product value chains (sales, service and channel development, support, business assessment).
Matthew AlexanderHead Digital Corporate Finance & Asset Tokenization SEBA Bank AG
Matthew is an expert in capital markets, investment banking, corporate strategy and principal investing, with 22 years of experience in the U.S., Europe, Latam and Asia. Most recently Matthew has focussed on shaping digital banking strategy & managing strategic digital banking investments for one of Switzerland’s largest private banks.
Max CzymochChief Executive Officer and Co-founder Mistho
Max is the co-founder and CEO of Mistho.io the first open payroll API for Europe. Mistho enables consumers to easily access and securely share their employment and payroll data with counterparties such as banks, insurers and lenders at the click of a button. Before Mistho he was an Engagement Manager at McKinsey & Company working with financial services clients across Europe focussing on digital business building and transformation. He holds an MBA from IESE Business School in Barcelona, a Master in Finance from IE Business School in Madrid and a BSc in Economics and Statistics from University College London. He is an avid kitesurfer and lives with his family in Madrid.
Nicole KrämerSustainability Analyst Greenomy
Patrick De Neef
Patrick De NeefChief Innovation Officer De Nederlandsche Bank
As Chief Innovation Officer, Patrick de Neef is responsible for the digital transformation of DNB’s supervisory divisions. This transformation requires innovation in terms of resources, attitudes and mindsets. From new data architecture to the straight through processing of all supervisory processes and, ultimately, the digital competences needed to derive maximum benefit from them. Patrick is also responsible for DNB’s digital platform that enables cooperation with the sector: the iForum. DNB’s overall digital innovation agenda, which includes central bank tasks and resolution, is driven by the DNB Digital Agenda Board, which Patrick chairs.
After starting his career at one of the major Dutch banks, Patrick made the switch to DNB in 2007, dealing in particular with banking supervision. He then moved into digitalisation, with a specific focus on European banking supervision under the ECB’s Single Supervisory Mechanism (SSM) and the European Banking Authority (EBA).
Simon RiptonDirector of Propositions Moneyhub
Simon is Director of Propositions at Moneyhub, the award-winning Open Banking, Open Finance, and Open Data platform that transforms data into personalised digital experiences and initiates payments.
Simon has developed and managed money transmission, saving and lending products and propositions for global banks and niche lenders, both in the UK and internationally. He launched Ikano Bank’s award-winning D2C loans and savings propositions to the UK market. He’s also a volunteer Director at the Nottinghamshire & Lincolnshire Credit Union. He’s passionate about building sustainable propositions that deliver good outcomes for customers and firms.
When not at work, Simon is a keen trail and fell runner who can be found running up and down the hills and valleys of the Peak District where he lives.
Teunis BrosensHead Economist for Digital Finance and Regulation ING DMI Digital Forum
Teunis Brosens is ING’s Head Economist for Digital Finance and Regulation. As an economist with affinity for IT and digital topics, he followed digital currencies at early stages. He is an experienced speaker and known for explaining difficult financial-economic topics and their relevance in an accessible and entertaining way. More generally, Teunis researches the impact of digital finance and innovation trends (such as the increasing importance of data, platforms, digital currencies, blockchain and others) on banks and the broader economy. He likes to view these developments through an economist’s lens, assessing impacts via credit, money, balance sheets and regulation. Teunis also translates these trends into priorities for ING to discuss with policymakers, regulators and supervisors.
Before joining ING, Teunis worked with the Dutch Authority for the Financial Markets (AFM) and the Dutch Central Bank (DNB). Teunis holds MA degrees in both Economics and Philosophy of Science from Tilburg University, the Netherlands.
Todd ClydeChief Executive Officer Token
Todd Clyde is the CEO of Token and an established operator of Silicon Valley software companies. He has an over twenty-year track record of bringing groundbreaking technologies to market, including e-learning, internet banking, mobile banking and now open API banking. Token is Todd’s fifth technology start-up, and he has navigated his previous four to successful exits, including one $2B exit. Todd joined Token in 2016 to modernise payments and drive a shift from traditional payment methods to account-to-account payments.
Udaibir DasAssistant Director & Advisor IMF
Udaibir S Das is an Advisor and Assistant Director of the IMF’s Monetary and Capital Markets Department. He has recently led a post-Brexit financial stability assessment of the United Kingdom and oversees the financial sector, macro-financial, and capital market issues in Asia, the Pacific, and Europe. Mr. Das has managed the global Financial Sector Assessment Program (FSAP), including developing Fund strategies, policies, and tools for systemic risk analysis, financial stability monitoring framework, macroprudential tools, stress testing, debt and reserves management, and sovereign wealth funds. Mr. Das has been closely associated with the work of the Financial Stability Board and the international standard-setting bodies, including the Basel Committee for Banking Supervision. He has led macro-financial surveillance and capacity-building missions to developed and emerging markets, including Botswana, China, France, Indonesia, Japan, Korea, Mongolia, Tanzania, The Philippines, Trinidad and Tobago, and Spain. Mr. Das did his graduate-level studies at Boston University, Brandeis University (USA), and St. Stephens College, University of Delhi (India). He has worked in different capacities at the Bank for International Settlements, the Bank of Guyana, and the Reserve Bank of India. His current interests are on the perimeter of systemic risk frameworks, nexus between governance and economic institutions, management of state-owned financial assets and sovereign wealth funds, ways to advance the effectiveness of policy communications by central banks and financial regulators, and how the ongoing demographic transformation, climate change, and technology are altering the financial policies landscape.
Xiaochen ZhangGlobal Head - Innovation & GTM Amazon Web Services
Xiaochen is a Global Head of Innovation & Go-To-Market with AWS. In this role, he leads a team of both technical and operational staff in shaping AWS emerging technology and Web 3.0 related innovation offerings in the areas of digital assets, central bank digital currency, green finance and regulatory and supervisory technologies in supporting public sector financial institutions to achieve their missions in monetary policy, financial stability, economic growth, climate change and sustainable development.