Open Banking Expo UK Speakers
Alex BarkleyGlobal Head of Strategic Partnerships HSBC Ventures
Alex is currently Global Head of Strategic Partnerships at HSBC Ventures, the central innovation team at HSBC. Prior to his current role he managed HSBC CVC’s portfolio of investments where he advised a variety of leading Fintech startups on commercial operations. His previous experience also includes leadership roles in the technology and defence sectors. As a self-confessed “Geek” Alex has a keen interest in technology especially in the fields of Machine Learning and Cryptography.
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 CrosswellChair and Trustee Open Banking Ltd
Charlotte Crosswell OBE was appointed as Transition Lead at Open Banking Ltd earlier this year. Charlotte has been involved in capital markets and technology throughout her career – as CEO, Board Advisor and Non-Executive Director. She is the Former CEO of Innovate Finance, where she worked closely with Fintech entrepreneurs, government and regulators in addition to working on the Independent Strategic Review into UK Fintech that was published in February 2021. Charlotte also represents UK Fintech on the Department for International Trade’s Financial Services Trade Advisory Group.
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.
Chris BowdenDirector & Project Manager Marketing Means
Chris HemsleyManaging Director Payments Systems Regulator
Managing Director, Chris Hemsley, joined the PSR in November 2018 as Head of Policy and Strategy. In April, he became co-Managing Director, before being appointed as Managing Director in September 2019.
Chris has extensive experience working for UK regulators. He joined the PSR in November 2018 following his role as Deputy Director of Railway Markets and Economics and Chief Economist at the Office of Rail and Road.
Previously, Chris led the implementation of the UK government’s new support scheme for large-scale renewable electricity generation and before that, led the Civil Aviation Authority’s work on competition and consumer protection.
Chris HighamHead of Cards & Payments Secure Trust Bank
Dan MinesChief Product Officer YTS
Daniel GlobersonHead of Open Banking NatWest
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 bankwide 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.
Daniel JenkinsonSenior Manager for Consumer & SME Representative OBIE
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’.
Dr Ruth Wandhöfer
Dr Ruth WandhöferFintech 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.
Dr. Leda Glyptis
Dr. Leda GlyptisChief Customer Officer 10x Future Technologies
As Chief Client Officer, Dr Leda Glyptis focuses on driving client success for existing and new 10x clients.
Leda is a former banker, technology executive and founding CEO of 11:FS Foundry, where she led the growth of its modular core digital banking offering. Prior to that, Leda was Chief Innovation Officer at Qatar National Bank, the largest bank in the Middle East and North Africa, with responsibilities for employee-driven and market-led innovation strategy and execution.
Before QNB, Leda was a Director at business and technology consulting firm Sapient, focusing on digital transformation and emerging technologies, and led EMEA innovation at BNY Mellon. Leda joined BNY Mellon from fintech start-up Great East London Software, where she served as head of services development.
Leda holds an MA from King’s College, Cambridge, and an MSc and PhD from the London School of Economics and Political Science. She has taught politics, global governance and management principles, while working in management roles across various industries.
Duncan CockburnChief Executive Officer OneBanks
Entrepreneur Duncan Cockburn is changing the future of high street banking based on a passion for financial inclusion.
OneBanks is a game-changing concept which will bring back face to face banking in local towns and villages.
By accessing open banking, Duncan is partnering with banks lacking branches in all the locations they would like. OneBanks allows people to use their own bank accounts at kiosks located at the heart of the high street community. The OneBanks bank agnostic platform will facilitate everyday services and help people to make the transition to digital banking. Supported by a world-class leadership team, Duncan is set to launch OneBanks later this year.
Previously assistant manager at KPMG Glasgow, Duncan held an auditing role working across categories and companies including Farmfoods, SIMEC Atlantis Energy, GE Caledonian, SSE and Chivas Regal.
On secondment to San Francisco, Duncan became intrigued by open banking and, seeing the potential to help a forgotten part of the population with their banking needs – returned to the UK to develop OneBanks, where he attracted a range of investment including angel funding.
Duncan has spoken at TEDx, Fintech Finance Future Arena and was recently recognised in the Top 100 Young Chartered Accountants 2020.
He is also a qualified ski instructor, landed a Gold Duke of Edinburgh award, climbed Mont Blanc and completed two marathons.
Ed BerksEGM Partnerships Xero
Emma KisbyChief Executive Officer Cogo
Faith ReynoldsStrategic Advisor
Faith is an independent consumer finance expert. She is a member of the Financial Conduct Authority’s Financial Services Consumer Panel where she chairs the EU Working Group and is the lead for technology and innovation. She acts as the Customer Representative on the Open Banking Implementation Entity Steering Group and authored the widely-read report, ‘Open Banking: A Consumer Perspective’. She recently joined the Current Account Switch Service as an independent non-executive director. Faith is also a member of the RegTech Council.
Previously, Faith was a member of the Payments Strategy Forum, ESMA’s Financial Innovation Standing Committee Consultative Working Group, as well as CILEX’s Strategic Risk Committee. Between 2010-2012 Faith pursued the Clore Social Leadership Programme, undertaking research into Big Society while based at the Institute for Government and more recently helped the Institute look at how it creates impact.
Fliss BerridgeDirector & Co-Founder Ordo
Fliss started out as a professional musician (trombone…the neighbours loved it!) and after several years of playing in orchestras she decided she wanted a job where she wouldn’t have to worry about money, so went to law school in the evenings and re-trained to become a lawyer.
Fliss worked for several years in private practice as a corporate and commercial lawyer with City firms, and moved in-house in 2013 to work across the payment systems in the UK. Fliss then became the Head of Legal, Regulatory and Corporate Governance for Faster Payments and Paym.
Following the consolidation of the UK payment systems into Pay.UK, Fliss co-founded a FinTech, Ordo, that makes getting paid easy. Ordo’s highly secure, cloud based, open banking enabled payments platform provides businesses large and small with low cost, secure and easy to use eCommerce, Point of Sale and invoice payments direct from their customer’s bank accounts into their own bank accounts. Businesses can access the Ordo platform though an Ordo Merchant Acquirer/PSP payments partner, via Ordo’s modern APIs, and for smaller businesses, through our integrations with QuickBooks, Sage, and Xero accounting software or directly via Ordo’s web/app interfaces.
Ordo puts people in control of their finances, with instant money transfer and real time notifications, it means everyone knows where they are with their money….which is exactly how it should be – and it needn’t be hard or expensive – so Ordo is easy for everyone and low cost. At Ordo, Fliss, as a founding shareholder and Executive Director, is responsible for Legal, Regulatory, Corporate Governance and Marketing.
Freddy KellyChief Executive Officer Credit Kudos
Prior to founding Credit Kudos, Freddy started his career in Software Engineering in Silicon Valley, as the first engineer at Bitnami (YC W13) and later A16z-backed TXN, developing their transaction analytics platform. Developing applications for the likes of Google, Microsoft and Amazon, Freddy is knowledgeable on what is required to develop software at scale, safely and securely process sensitive customer information. He also provides regular input on industry discussion topics such as Financial Inclusion, Open Banking/PSD2 and its impact on lending.
Gaby SulbaranGlobal Head of Platform Partnerships SWIFT
Gaby is the Global Head of Platform Partnerships for SWIFT. With over 15 years of experience in FinTech and Payments, She leads teams creating SWIFT platform partner’s ecosystem through API integrations and strategic alliances that expand SWIFT’s offerings beyond core platform capabilities. Prior to SWIFT she was Regional Head of B2B Platforms for Visa LATAM, leading teams scaling Visa B2B APIs portfolio, Innovating through Partnerships, and developing digital cash management solutions for Global Corporations in the logistics and energy verticals.
Gavin LittlejohnChairman Financial Data & Technology Association
Gavin Littlejohn serves as Chairman of the Financial Data and Technology Association, the Global Open Banking Trade Association, where he successfully led the campaign to have account aggregation added to PSD2 in 2013. Through FDATA he is a leader of the Open Banking Movement and campaigns for common technical standards and a consistent liability models across the Globe.
Gavin was appointed as Convenor of the Fintech Stakeholder Group of the UK Open Banking Implementation Entity in 2016 and is now working with a number of other markets engaged on the same mission.
Gavin is a fintech entrepreneur with experience of developing innovative solutions to mass market problems and is well-renowned as the Founder of Money Dashboard, and acted as its CEO until 2015.
Gerald ChappellCEO and Co-Founder Fintern
Gerald is CEO and Co-Founder of Fintern, a digital consumer lender on a mission to expand access to low-cost personal finance. Fintern’s next generation credit technology bypasses traditional credit scores in making lending decisions, focusing instead on understanding each customer’s unique financial situation via their transaction data. Fintern’s approach achieves a 50% reduction in credit losses vs the market, enabling a superior customer proposition with higher approval rates and lower APRs. Fintern has raised £32m in funding and started lending in March 2021.
Prior to Fintern, Gerald was a Partner at McKinsey & Company, based in London. At McKinsey, Gerald was Global Head of Digital Lending, and Global Head of Credit Analytics.
Ghela BoskovichRegional Director/Head 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.
Harcus CopperGlobal Channel Lead Barclays
Harcus Copper is Head of Integration and Information Services globally, responsible for SWIFT and Host-to-Host connectivity propositions, APIs and Open Banking for corporate clients and Non-Bank Financial Institutions. Harcus has over 26 years’ experience in Cash Management developed over a number of roles covering multiple disciplines during his 31 years with Barclays.
Harry Weber-BrownDigital Innovation Director TISA
Harry Weber-Brown is the Digital Innovation Director for TISA which involves managing industry projects for the financial services that deliver better financial outcomes for consumers. This includes Digital Identity project for consumers of financial services products and the Open Savings, Investments and Pensions. Harry has managed a range of large-scale digital projects and pilots including a European Commission funded focusing on opening bank accounts across European borders using Digital Identity delivered through the eIDAS framework.
Harry has over 20 years of experience working in digital in strategic planning and programme management, resulting in the delivery of transformational services within complex stakeholder environments. He works as a senior consultant, an interim and as a Non-Executive Director.
Harry has worked across a range of sectors and clients including the Public Sector (Cabinet Office, Department of Health, Home Office and DWP), the Commercial sector (Old Mutual, Lloyds Banking Group, Reuters and Ask Jeeves) and the Not-for-Profit sector (NSPCC, Shelter and the BBC). He has more recently has been actively investing and mentoring digital start-ups with a focus on Advertising Tech and Digital Marketing services.
Hayley VinerHead of Product ClearBank
Whether it be a consumer sending a retail payment, a Corporate sending a Treasury payment or a Financial Institution acting on behalf of itself and its customers, the ability to create valuable solutions that meet customers’ needs has always been fascinating to me.
My journey through Financial Services started over 15 years ago, with an initial focus on delivering market leading global payment solutions to Corporates and Financial Institutions. Since then my career has led me most recently to the U.K. payments market and I am delighted to now be working on new payments solutions within ClearBank as part of my current role as U.K. Payments Product Lead.
Outside of work I am a keen runner both in training for marathons and also in a desperate attempt to keep up with my 2 year old, Olivia. I find my work within payments deeply rewarding but it is also important that it has allowed me to set an example for my daughter and ensure she understands the value of following her passion while also maintaining a balanced perspective on work and life.
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.
Holly CoventryHead of Pay with Bank Transfer American Express
Holly heads the team responsible for Pay with Bank Transfer, American Express’s Open Banking powered payment initiation service product, and has been heavily engaged in the development of the wider ecosystem. Holly joined the company in 2008 and has built up diverse experience across business units and territories. During this time she has held roles in international product development, business and consumer marketing and sales.
Iain McDougallChief Commercial Officer Yapily
Iain is the Chief Commercial Officer at open banking infrastructure company Yapily, where he is responsible for helping achieve the mission of becoming the nervous system of the global economy.
Prior to Yapily, Iain has more than 20 years experience in the tech sector in the UK and Australia, and he has held senior positions at firms including Stripe, Google, IBM and Cisco across Sales, Partnerships, Operations and Engineering.
Ian MitchellBusiness Services Director Controlaccount
Worked at ControlAccount as the Finance Director since January 2009.
Since June 2019, Ian has also taken the position as Managing Director of Cirrus Information Technology Ltd.
James BanceFounder Bright Penny
James HickmanChief Commercial Officer Ecospend
James Hickman is CCO of Ecospend the UK’s leading open banking platform. Having won the most competitive and highest profile tender to date with the UK government, Ecospend is the exclusive open banking payments and data supplier to HMRC.
James ShafeHead of Department - Consumer & Retail Policy Financial Conduct Authority
James is the Head of Department covering policy on General Insurance, Payments, Open Finance and Cryptoassets. He joined the FCA in 2015 and has led FCA supervision of a variety of firms including life insurers, outsourcers, and investment platforms, focussing on using data to identify key firms and measure progress. Before joining the FCA, James developed financial services policy at Which?, and pensions policy on auto enrolment at NEST (National Employment Savings Trust).
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.
Jason Wilkinson-BrownHead of Digital Propositions, Partnerships & Open Banking TSB
Jason is Head of Open Banking, Digital Propositions & Partnerships at TSB Bank. Jason heads up a team focused on delivering open banking and partner led experiences that help improve TSB customer’s money confidence. Prior to TSB, Jason was at Starling Bank where he helped them launch their business accounts. Jason has also worked for the Commonwealth Bank of Australia where he led their digital financial wellbeing initiatives.
Jordan LawrenceCo-founder & Chief Commercial Officer Volt
Jordan is the Co-founder and Chief Commercial Officer at Volt, a technology developer and product innovator with a focus on new generation real-time payments infrastructure and open banking. With a passion for creating cutting-edge sales teams, Jordan oversees Volt’s commercial and marketing strategies, alongside its entry into new markets. Jordan previously founded PCN Capital in 2009 – one of Europe’s most prominent fintech consulting and recruitment agencies.
Jozef KlaassenChief Revenue Officer Aiia
Recently returning to fintech after working for Visa, Jozef Klaassen has more than 12 years experience in the financial industry and is an economist by training. Jozef turned his hunger for innovation to fintech, working with multiple startups across Europe.
In his current role, Jozef leads European open banking platform Aiia’s expansion of all partnerships and clients across Europe. Aiia was recently acquired by Mastercard.
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.
Ketan ThankiDigital & Unified Commerce Solutions Product Manager Global Payments
With over 10 years experience in the digital marketplace, Ketan is the Digital and Unified Commerce Solutions Product Manager at Global Payments, supporting multiple merchants to deliver best in class digital payment solutions. Ketan is actively exploring Open Banking as a payment solution with Global Payments across various industry verticals.
Leon MuisChief Business Officer Yolt Technology Services
Leon is Chief Business Officer of Yolt; the smart money platform built to harness the power of open banking and PSD2. Yolt (venture of ING Bank N.V.) was born in 2016 and is currently available in the UK, Italy and France. A firm believer in the power of open banking innovation, Leon is responsible for Yolt’s new B2B proposition, Yolt for Business API, an API service which can provide access to accounts for businesses across Europe. As a driven fintech and retail banking specialist, Leon’s commitment to making open banking accessible to all has seen him be personally involved in Open Banking UK and PSD2. He is also a passionate speaker on this topic. Leon has vast international experience both professionally and personally, and currently resides near Utrecht with his wife and 3 young children. When he’s not sharing his Open Banking expertise, Leon enjoys sports, and is himself an active cyclist and runner.
Liz BarclaySmall Business Commissioner Small Business Commission
Liz Barclay is a small business and consumer affairs broadcaster, producer and writer. She started her career as an adviser and then CEO with Citizens Advice before moving into radio and TV production and presentation specialising in business and consumer affairs. She is Financial Inclusion Commissioner; Chair of the BSI Consumer Forum and the Fair by Design Campaign; a non-executive Director of 2 organisations and a member of the Standards Boards of the Fundraising Regulator and The Equity Release Council. She is also an Ambassador for the Money Advice Trust and Business Debtline.
Liz works with Boards and small businesses on improving governance, trust and culture, diversity, and understanding customer behaviour. She coaches communication and presentation skills, chairs national and international conferences and has written several books on business.
Liz was appointed the role of Small Business Commissioner in July 2021 to spearhead the national effort to crackdown on delayed invoices – which cause thousands of small businesses to close every year.
Liz will be the first female Small Business Commissioner, a post which was created in 2016 to help small businesses secure the payments owed to them and to galvanise UK businesses behind a new culture of prompt payment.
Luke FlomoChief Revenue Officer Vyne
Luke Flomo, Chief Revenue Officer at Vyne. As CRO, Luke is responsible for driving and managing revenue streams to accelerate Vyne’s ambitious growth targets. He is an expert in the payments field with over 15 years of experience, specialising in helping global brands to optimise their payments infrastructure, driving conversion/sales revenue, customer acquisition, loyalty and efficiency gains for the likes of ASOS, Zalando, Alibaba, JD Sports, The Hut Group and other major brands. Previously, he has worked at Klarna as Head of Sales, as Director of Ecommerce at Trustly and most recently the Chief Revenue Officer at Laybuy.
Marion KingDirector of Payments NatWest Group
Marion King has extensive experience across the financial services industry. She joined RBS in January 2015 from MasterCard where she was the President of the UK & Ireland markets. In this role, she was responsible for growing the business and creating a world beyond cash through an innovative approach to everyday Payments, including emerging technologies such as contactless and mobile. Marion worked closely with both the European Council and the European Payments Council throughout her time at MasterCard.
Prior to joining MasterCard, Marion was the CEO of VocaLink. During her tenure the Faster Payments service was launched and Voca and Link were merged. Prior to this Marion held international and global leadership roles in Reuters.
Marion is a member of the UKF Payments Product and Service Board and of the advisory Board of the Emerging Payments Association. Marion is a Trustee of the Multiple Sclerosis Society. She was previously a non-executive director of VocaLink and of the Low Carbon Contracts Company, a government owned organization playing a key role in delivering Electricity Market Reform. She has also held non-executive positions for Fastmarkets Ltd and Women in Banking and Finance. She is a Freeman of the City of London.
Matt ParishProduct Lead, VRP TrueLayer
Mélisande MualManaging Director The Paypers
Mélisande Mual is the publisher and owner of The Paypers, the global leading source of news and intelligence for professionals in payments, fintech and digital commerce. The products are created by payment insiders and focus on innovation in Payments, Digital Identity, Open Finance, Fintech, Regtech and Fraud & Risk Management. The portfolio of The Paypers includes news, premium newsletters, industry reports, webinars and online events. Prior to The Paypers, Mélisande held several leadership positions in leading B2B Publisher (Wolters Kluwer) and Telecom (KPN) companies.
Michael GreenDirector of Partnerships Xero
In his role as Director of Partnerships at Xero, Michael and his team work closely with Xero’s 1000+ connected app partners, banks and financial institutions. Michael has 10+ years experience working with high-growth technology companies across New Zealand and the UK, in both legal, partnerships and advisory roles. He is passionate about technology, and the role it plays in making life better for small businesses and their advisors.
Mike MannFinance Director Williams Trade
Worked at Williams Trade as a Finance Director since April 2018. Mike is also a Non-Executive Director for NMBS.
Prior to his role at Williams Trade, Mike was a Migration Project Coordinator for Frieghtliner Group, and the Group Financial Controller for AIM altitude.
Natalie LedwardHead of Vulnerable Customers Monzo
Natalie leads the approach to vulnerability, accessibility and financial inclusion at Monzo Bank. She became the winner of the first Which? Your Consumer Champion award in 2019 for her work to create a gambling block that protects vulnerable customers. At Monzo, she uses her experience in inclusive design and technology to develop ideas to reduce barriers and empower customers, in order to help Monzo with it’s mission to make money work for everyone.
Neeta MundraBanking & Financial Services Salesforce
Neeta is a senior executive with over 20 years of global banking and insurance technology experience. She recently won the “Exceptional Women of Excellence Award” at Women Economic Forum, “Inspirational Women” in Women in Banking and Finance and Innovate Finance’s Standout 35 Women in Fintech.
Besides her full-time role at Salesforce as Financial Services Transformation Advisor, Neeta is the non-executive director, Head of Senior Business Leaders at Women in Banking, mentor at Natwest Accelerator and Advisor at RiseUp Money20/20. She is very passionate about technology disruption, transparency in financial services and an adviser to fintech and regtech start-ups and appears in various panel discussions. Neeta is an angel investor in fintech start-ups and is particularly interested in women led fintech start-ups.
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.
Niamh GreallyVP Product Chip
Nichola Johnson-MarshallHead of External Communications OBIE
Nick FahyChief Executive Officer Cynergy Bank
Nick Fahy is Chief Executive Officer of Cynergy Bank. He is a highly experienced financial professional having worked within the banking sector for over 20 years across the UK, Ireland and Australia.
Nick has been CEO of the bank since December 2015. During his tenure he has overseen the acquisition of Bank of Cyprus UK by Cynergy Capital Limited in November 2018, and the rebrand to Cynergy Bank in December 2018. The acquisition forms part of his ambitious plans for the future of Cynergy Bank, enabling the bank to grow its franchise across enterprising business owners and savers in the UK.
Nick joined Cynergy Bank from the Westpac Banking Corporation where he had been State General Manager for the bank’s retail and business banking operation in Western Australia. Prior to Westpac, he spent 17 years with Bank of Ireland Group in a variety of leadership roles, including Chief Operating Officer for Bank of Ireland’s retail banking operation in the UK and Ireland, and managing director for Northern Ireland; and MD for the Banks Post Office’s UK-wide financial services operation.
Nick GregorySenior Product Owner Natwest
Nick is the Lead Product Owner at NatWest for our Payit™ family of Open Banking based payment products. Payit offers businesses a new way to collect and send payments. It helps them to reduce the cost of fraud, improve cash flow and reduce their data management burden. Nick has led the development of these products from early pilot phases to commercial launch during 2020. Prior to his work on Payit, Nick led the technical delivery of Open Banking ASPSP APIs for the NatWest Commercial Bank and has over a decade of experience working in banking and payments with a particular passion for digital technology and API products.
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.
Nino OcampoSenior Director of Open Banking TransUnion, UK
Nino recently joined TransUnion as senior director of product for Open Banking in the UK and is responsible for TransUnion’s Open Banking product strategy. As a product management leader with expertise in customer relationship management, messaging and open API, Nino has extensive experience of crafting a vision to meet client needs and leading cross-functional teams to deliver it.
With a background in financial services, Nino spent 12 years at HSBC, where he was a global business lead, and his career to date has spanned Asia, North America, and Europe. Nino has an MBA in Marketing and Decision Information Analysis and a bachelor’s degree in Management Engineering.
Noam ZeigersonChief Data & Technology Officer Tandem Bank
Noam Zeigerson is Chief Data & Technologies Officer at Tandem Bank. He oversees the Product’s Digital Proposition and Tech Development as well as enhancing Data and Analytics for better customer journeys and business outcomes. His expertise is at the core of the Tandem offering, leading on analysis and data insights that inform business strategy and customer value.
Before joining Tandem, Noam was Group Chief Data Officer at Bank Hapoalim, one of Israel’s largest banks. Here he built a Greenfield Data Lake to minimize disruption, introduced over 20 open source technologies and launched the Big Data environment to allow the ability for real-time analytics. He was also the Founder and Chief Technology Officer of Aimee Soft from 2012 to 2017.
With over 20 years of experience in Data & Analytics, Noam is a charismatic and confident speaker in Digital Transformation, Product Development, Big Data, Machine Learning, AI, Predictive Analytics and Data Monetization.
Phillip MindPrinciple- Financial Services UK Finance
Phillip is currently employed as Principal Adviser to UK Finance, the trade body for the financial services industry, with a portfolio including payments policy and open banking.
Before that, Phillip worked at the Local Government Association leading on local government finance and public service reform. And at HM Treasury in a variety of policy roles, including leading policy reviews (the Independent Commission on Local Government Finance and Russell Commission on Youth Volunteering) and as the Budget Project Manager.
On secondment from the Treasury, he was CEO of the Giving Campaign, a national partnership between government and the voluntary sector to encourage charitable giving.
Phillip has a degree in Economics from the London School of Economics and a Master’s degree from Loughborough University.
Rafa PlantierHead of UK & Ireland Tink
Rafa Plantier is Tink’s Head of UK and Ireland. The Brazil-native was Stripe’s former head of EMEA banking and now leads Tink’s ambition to equip financial institutions and fintechs with best-in-class tech solutions that will allow the UK and Ireland to continue to lead the way as pioneers of open banking. Tink is Europe’s leading open banking platform that enables banks, fintechs and startups to develop data-driven financial services. Its current partners include PayPal, NatWest, ABN AMRO, BNP Paribas and American Express.
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.
Richard KochSenior Policy & Public Affairs Specialist OBIE
Sam SeatonChief Executive Officer Moneyhub
Sam Seaton is CEO of Moneyhub, the open finance platform for customer-centric organisations, and a leading player in the field of financial data aggregation, intelligence and payments. Before Moneyhub, she worked for global advisory firms and innovative financial forecasting businesses.
Sam is passionate about the power of technology to help consumers achieve better financial outcomes and is a non-executive director at the Charities Aid Foundation (CAF) Bank, on the Digital Advisory Panel at Newbury Building Society and on the advisory board of The Big Exchange. She is a founding member of Open51, the organisation that promotes the role of women developing open finance and the new data economy and is one of the ten industry representatives in the steering group on the Money & Pensions Service’s Pensions Dashboards Programme.
Sam was named 2020 Fintech Woman of the Year at the Professional Advisor Awards.
Sam is a keen horse-rider and regular eventer (an equestrian challenge comprised of three disciplines – dressage, show jumping and cross country).
Sendi YoungManaging Director Ripple
Sendi is a fintech executive with more than 16 years international experience in financial services/payments and consulting, with focus on strategy, business development, partnerships, and product commercialization. She is currently the Managing Director of Europe for Ripple. In the last 5 years, Sendi held several leadership roles at Mastercard’s Data & Services business, with global responsibility for strategy, commercialization, partnerships, and business development. Most recently, Sendi led the Fintech & Digital Segment. Previously, she led commercialisations of services around real-time payments, open banking, artificial intelligence and government; and led sales to UK&I banks. Prior to Mastercard, Sendi delivered rapid operational optimisation to large corporates at the consultancy, AlixPartners. Before that Sendi led the development of a global cash management solution at HSBC. Sendi holds an MBA from Harvard Business School and BA in Economics from Brown University.
Shail DeepChief Product Officer TransUnion, UK
Shail Deep joined TransUnion in 2019 as chief product officer in the UK. With over 20 years’ experience across retail banking and technology consulting, Shail is responsible for fuelling new product innovation, ensuring robust product quality and delivery, sourcing and incorporating new data assets and delivering valuable analytics insights and solutions.
Shail has held various leadership roles across cards, payments, risk, fraud, loyalty and proposition development spanning the UK, US, Hong Kong and Malaysia. Shail holds a Bachelor of Engineering from the Indian Institute of Technology, Delhi (IITD) and an MBA from the Indian Institute of Management, Ahmedabad (IIMA).
At TransUnion, Shail leads the Solutions team in Europe, developing robust, compelling, and integrated data, analytic and technological solutions, and has headed UK product initiatives including Open Banking, trended data solution TrueVision, Decisioning and Customer Experience, Credit Risk and Affordability Solutions, and global fraud and ID solutions suite, TruValidate.
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 LyonsHead of Ecosystem Engagement Open Banking Implementation Entity
Simon is Head of Ecosystem Engagement at Open Banking. As such he leads the engagement to grow the Ecosystem and also to carry out awareness across multiple industries regarding Open Banking.
He has been instrumental in the adoption of Open Banking by UK Government and continues to help grow the Open Banking Ecosystem.
Simon RedfernCEO of TESOBE and founder Open Bank Project
Simon describes himself as a hacker at heart. These days, he mainly uses Scala and is the lead architect of Open Bank Project, and CEO of TESOBE. Simon studied electronic engineering in Manchester in the early 80’s and focused on real time programming and digital systems. Simon has worked as a software developer, architect, sysadmin, DBA and CTO on numerous web / mobile platforms. Always keen to explore emerging technologies, Simon is also a composer and enjoys interdisciplinary creative collaborations. Simon is a keen supporter of open source and open data believing they are a sustainable force for social good. He is @simsysims on Twitter and is based in Berlin.
Stephen WrightIndustry Engagement & API Standards Lead NatWest Group
Lead for Open Banking / Finance industry and regulatory engagement and API standards at NatWest Group. He has been involved in Open Banking eco-system since the Open Banking Working Group in 2015 and the formation of the Open Banking Implementation Entity in 2016.
Initiated the NatWest Open Banking programme and have delivered Open Banking and PSD2 APIs over the past five years. He is interested in the development of commercial API standards and business models.
Teresa ConnorsHead of Bank Proposition Bottomline
An inspiring payments expert with strong customer focus and commercial credentials. Global banking experience with deep understanding of market complexity, drivers, regulation and participants. Experienced in delivering customer centric strategy & propositions supported by robust corporate governance.
Highly regarded industry spokesperson and published author contributing to The PAYTECH Book 2020 and as a primary author of the market leading World Payments Report.
EMEA Advisory Board member Women in Payments.
Tim RenewChief Revenue Officer Banked
Tim is Chief Revenue Officer of Banked and has over 14+ years of experience in the management of Fintech, Saas, Ecommerce and Marketing based businesses from pre-seed through to Series B. Specialising in building out Go-To-Market strategies, Tim has built Sales, Marketing, Support and Customer Success teams across the US,UK, EMEA & AU and has been involved in raising over £30M+ in funding. Outside of Work, Tim grew up living in Africa, India & Thailand and you can usually find him outside on the trails either running, climbing, Mountain Biking or in the sea scuba diving & swimming and relaxing with his wife & daughter.
Todd ClydeChief Executive Officer Token
Todd is an established operator of Silicon Valley software companies. He has a 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 through a new state-of-the-art infrastructure and recently relocated with the company to London.
Tom SmithPartner Geradin Partners
Tom is a competition lawyer at Geradin Partners, having previously been Legal Director at the UK’s Competition and Markets Authority (CMA). Tom led the legal team on the Digital Markets Taskforce, set up by the UK Government to advise it on the new regulatory regime for Big Tech, as well as the CMA’s influential online platforms and digital advertising market study, the CMA’s work on setting up the Digital Markets Unit, and its antitrust enforcement cases in the tech sector. Tom has significant experience in the financial services sector, having led the team that implemented the UK’s Open Banking regulations, which came out of the CMA’s retail banking market investigation.
Vicki BraceyOpen Banking Product Director Mettle
Vicki is Product Owner at Mettle, the business account backed by NatWest. She is a Chartered Accountant with nine years’ experience in banking across a broad range of roles in Finance and Strategy.
After six years, Vicki turned her attention to developing FinTech propositions and joined Bó, NatWest’s retail challenger brand, where she led the delivery of their Open Banking APIs.
Since joining Mettle, Vicki has focused on the development of Mettle’s accounting and bookkeeping solutions as well as expanding the use of Open Banking APIs. She is passionate about creating and delivering digital solutions that make it easier for individuals and small businesses to understand and manage their finances.
Wilko KlaassenVP for Open Banking, Direct Bank Transfer & Sofort Klarna
With more than 15 years in decision-making roles and a deep understanding of global markets, Wilko is Klarna’s Open Banking VP. Three years after joining the $46 billion unicorn, Wilko was responsible for the expansion into France, Belgium and Netherlands, his ambition is to make global financial connections through Open Banking and position Klarna as leader in Innovation and future generations of financial services.
Will BillingsleyCo-founder ApTap
As the co-founder and CCO at ApTap, Will leads on all things commercial. ApTap is all about helping people understand their money and save through data-driven, embedded comparison, switching and bill management tools. With a background in Biology, Will brings a scientific approach to FinTech innovation. Will also sits as a mentor at the UCL Hatchery incubator and is a Director in his family music business.
Winston PearsonUK Open Banking Lead Goldman Sachs
Winston Pearson joined Goldman Sachs TxB in 2021 as UK Open Banking Product Manager. Based in London, he is responsible for the online product delivery – working with partners and leveraging the benefits that Open Banking can bring to Corporates.
Prior to joining, Winston worked at AccessPay developing multibank corporate connectivity applications and cash management tools for treasury and finance.
After seeing the power of embedding Open Banking as part of existing solutions, he continues to seek new and innovative use cases that can deliver value to corporates and treasury.
Ylva OertengrenChief Operating Officer & Co-founder Simply Asset Finance
Ylva has extensive experience of building and managing operations in the financial services sector. After working in global and UK financial institutions, Ylva co-founded Simply in 2017, the aim of which is to create the perfect customer journey that allows SMEs to access funds to realise their potential. Since launch, Simply has established itself among the top 50 UK asset finance companies.
Ylva is also focused on promoting young talent, diversity and innovation. She leads the Leasing Foundation’s Innovation Initiative and runs seminars on innovation through design, technology and culture. In 2019, Ylva founded The Network to bring together women across the alternative lending sector. She was awarded “Innovator of the Year” at the 2018 Women in Credit Awards, and “Leading Woman of Auto and Equipment Finance” at the 2019 IAFN Awards.