Symposium Speakers and Panelists

Ajit's expertise is in building bridges between traditional financial services and cryptocurrency ecosystems.He is currently the head of institutional business at Aave, the world's leading decentralised liquidity protocol. Prior to this Ajit consulted on banking and payments partnerships with Binance.com and Paxful.com, lead the global fintech practice for ConsenSys and built PwC's blockchain business in the UK.

Ajit is an active crypto angel investor, a columnist with Coindesk and the crypto co-host for Breaking Banks fintech podcast. Prior to his crypto and blockchain career, Ajit was the head of Risk Data Systems at Barclays Capital and the head of Credit and Market Risk IT in Asia for Goldman Sachs. He holds an MBA from IMD Business School and a Bachelor's in Electrical Engineering from IIT Kanpur.

Alessandro Foti graduated with honours in Business and Economics from Bocconi University of Milan in 1984.

He began his professional career in the Financial Management Office of IBM in 1985. After three years of experience in Montedison S.p.A., where he became Head of financial coordination of the group's affiliate companies, in 1989 he joined Fin-Eco Holding S.p.A., with responsibility for capital market operations. In 1993 he became the Head of the operational section for administration, asset management and trading of Fin-Eco Sim S.p.A.. After being appointed as a member of the Board of Directors, General Manager and Managing Director, in 2002 he became Chairman of Fin-Eco Sim S.p.A.. After three years of experience as a member of the Management Committee of Assosim, in October 1999 he was appointed as a member of the Board of Directors of FinecoBank.

In 2001, he became a member of the Supervisory Board of Entrium Direct Bankers AG. From 2003 to 2005, he was a member of the Board of Directors of Ducati Motors Holding S.p.A. and General Manager of FinecoGroup S.p.A. (a company listed on the Midex segment of the Milan Stock Exchange).

From October 1999 to December 2000 he was a member of the Board of Directors of FinecoBank. From December 2000 to date he has served as Chief Executive Officer of FinecoBank and from July 2014 also as General Manager. From May 2010 to January 2015 he was Vice Chairman of the Supervisory Board of DAB Bank AG. From April 2012 to April 2014 he was a member of the Management Committee of Assoreti. From 2013 to 2019 he has been a member of the Executive Management Committee of UniCredit Group. Since April 2014 he has been Director and Vice Chairman of Assoreti. He has been a member of the Board of Directors of Borsa Italiana S.p.A. from July 2014 to October 2020.

In 2017, 2018 and 2019 he was awarded by Institutional Investor as best CEO in Europe in the banking industry for the Small&Mid Cap category.

Since 9 November 2018 he has been a member of the Board of Directors of Bocconi University of Milan."

Alexa Guenoun is Chief Operating Officer and Member of the Executive Committee at Temenos. Alexa is responsible for global business operations and the services, delivery and support organization, with a focus on customer success. Alexa also leads the Temenos’ Partner organization globally.

Prior to this, Alexa was President, Americas and Global Head of Partners, where she was responsible for the strategy, customer success and growth acceleration of North and South Americas.

She also held the position of Chief Client Officer at Temenos and had responsibility for Services, Partners, Cloud Operations and Support globally. Alexa joined Temenos in 2006 and has held a number of leadership roles within sales and business development, including the role of Regional Director for French Speaking Territories.

Alexa has over 20 years of experience in global banking technology having worked in Luxembourg, Hong Kong, Singapore and New York. Prior to joining Temenos, she held a number of senior positions at Finastra including Head of Regional Business Development for APAC.

Alexa holds a Bachelor’s Degree in Marketing and Finance from the American BBA INSEEC in Paris.

Alix is Vice President at Citi Ventures and is responsible for sourcing and executing venture investments in Europe. She identifies solutions that enhance the delivery of financial services and client experience, and supports entrepreneurs in building new market leaders and becoming strategic partners. Prior to this role Alix was at Finch Capital, where she invested in early stage Fintech start-ups in Europe and Southeast Asia. Alix was previously in Investment Banking at Citi in London, in venture investing with Acumen Fund in West Africa, and with Schroders in London. Alix holds a Masters in Finance from London Business School.

Amy-Anne Fairhurst is the head of Citi’s Global Crisis Management Program, most recently engaged in the Covid-19 Crisis Management response. For this role, she relies on her considerable experience as coordinator for a number of Citi-wide risk mitigation and crisis management taskforces, for events such as the Euro currency crisis and Russia Sanctions following the Ukraine crisis.

Additionally, Amy-Anne serves as the Managing Director of Cyber Investigations for CSIS in the EMEA region. Since 2017 she has been responsible for the regional Cyber Investigations program, leading a team of talented digital forensic specialists who are the bank’s responders for cyber events and digital security breaches.

Amy-Anne has seventeen years of technology risk management and cyber experience in the financial sector including crisis mitigation and management and holds a first class Honors Degree in Computer Science from the University of Edinburgh.

As Head of Strategy for Citi’s CTO, Andres leverages his experience on the front lines of digital innovation to focus on the path ahead for the organization and to interface with regulators and policymakers around the world on Open Banking, crypto currencies, AI/ML and other forward domains.

Andres joined Citi from an international Fintech start-up and has since served in a variety of digital product and strategy roles in Citi Latin America, in Citi's U.S. consumer businesses, and now globally for the entire firm.

Previously, Andres was a founder of Citi FinTech, a business unit created to spearhead Citi's transformation into a mobile-centric ""Bank of Tomorrow"". He created Citi’s first Open Banking team, back in 2015, as Global Head of Emerging Platforms and Services for Citi's consumer businesses.

Previously, as Citi's first global head of mobile banking, he invented Citi Mobile Snapshot, a breakout no-password access feature described as “one giant leap for online banking” and now patented by Citi in the US, Mexico, Australia, China, Hong Kong and Singapore. In close partnership with Apple, he turned Citi into the world's first bank with an Apple Watch app when the device was launched.

Prior to becoming a banker, Andres was a foreign correspondent and international news executive. He had tea with mass-murderer military dictators; was driven, blindfolded and at gunpoint, around the capital of Paraguay after midnight; was arrested in Tierra del Fuego on suspicion of being a British spy; and raced in a car at 120 mph along the edge of a minefield in Croatia. He finds most days in banking very manageable.

Anita Mehra leads the Global Treasury & Financial Services organization that provides innovative credit & payment solutions to Microsoft’s global customers, global liquidity and capital structure, financial risk, investment portfolio, currency and business risk, global banking, collections, and cash management. Anita is passionate about leveraging technology— her team has deployed several leading solutions, including machine learning and Azure Cloud based credit risk management, natural language chatbots, and blockchain as a service for trade letters of credit. Her team has won several competitive industry awards, including Euro-Finance, Alexander Hamilton, Adam Smith, and the Pinnacle for innovative solutions. In 2011, she was recognized by Treasury & Risk magazine, as one of the 100 Most Influential People in Finance; and, in 2014, Anita was named Adam Smith’s Treasury Woman of the Year. For the past 15 years, Anita has championed diversity and inclusion initiatives in Finance; and she is the executive sponsor of the Senior Women in Finance Team, whose mission is to develop and support senior women in finance. Over the past 15 years she has held several leadership roles in Microsoft Finance.

Anita started her career as a tenure track assistant professor of finance at the University of Wisconsin, Milwaukee. She spent two years at Lam Research managing capital markets and currency risk portfolio before moving to LSI Logic (now Avago) where she spent eight years in various roles, including Treasurer and Corporate Vice President of Tax. Anita holds a bachelor’s and a master’s degree in Economics from Pune University in India, and a master’s in business administration from Florida Institute of Technology. She received her Ph.D. in Finance and International Business from Temple University.

Anna brings twenty years of experience (including C-Level and NED roles) in driving and fostering banking and payments innovation in Europe, with a focus on CEE (PwC, Citigroup, T-Mobile, mBank).

Founder & CEO of Creative Link connecting the dots in banking and payments. She combines hands-on experience with a global strategic approach across the sectors (Payments, FinTech, Consulting). She is also a Senior Advisor at Truffle Capital, Jury Member and Expert at the European Innovation Council.

Featured in the TOP10 Women in FinTech (FinTech Magazine, Aug 2020); “TOP 25 Women Leaders in Financial Technology of 2019”.

Senior Lecturer at the CFTE – Centre for Finance, Technology & Entrepreneurship (Open Banking and Platforms in Finance, Conversational AI in Banking). Co-Author of The PAYTECH Book and The AI Book.

Anne Boden founded Starling, the leading UK digital bank, in 2014 after a distinguished career at some of the world's best-known financial heavyweights, among them Allied Irish Banks, Royal Bank of Scotland and ABN AMRO. Today, Starling has more than 2 million accounts, including more than 300,000 small business accounts. Anne is a computer scientist, sits on the board of UK Finance and is an adviser to the Board of Trade. She was awarded an MBE for services to financial technology in 2018. Starling offers bank accounts and lending to individuals and small businesses, banking and payment services and a financial services Marketplace connecting its customers to third-party providers. It has been voted Best British Bank for the past three years and is a Which? Recommended Provider.

After obtaining her master’s degree in Dutch Law from the University of Amsterdam, Annerie Vreugdenhil started her career as Account Manager Large Corporates with the Nederlandse Credietbank NV in 1987. In 1992 Annerie Vreugdenhil started at ING and held various positions, which revolved around maintaining and expanding relationships with clients in ING’s Wholesale Banking division, before being appointed as Head of Innovation Wholesale Banking in 2018. In the latter role she has been able to use her ability to see opportunities in all kind of situations, to challenge the status quo and to rethink services and processes. Since January 1st 2021, Annerie Heads the new business area ING Neo and acts as Chief Innovation Officer.

Ashraf Sabry is a technology business expert and the founder and CEO of Fawry, currently Egypt’s largest Electronic Payment Network.

With 20 years of experience in finance and IT, and a vision to enable nationwide electronic financial services, Sabry managed to establish Fawry as one of the fastest growing ventures in the Middle East.

Prior to creating Fawry, Sabry spent 10 years leading sales at IBM Egypt and later was key to the success of Raya Holding, Egypt’s leading ICT company where he directed the operations, finance, and business development for years before he eventually led the whole IT line of business for the group.

Sabry holds an MBA from Leeds University in the United Kingdom.

Alyssa Cutright is eBay's Vice President of Global Payments. She leads eBay's global strategy and operations for payments, risk and billing. Alyssa has extensive industry experience, including 12 years spent at PayPal in a variety of critical roles, including leadership roles in the Financial Services (Core Payments), Risk Management, and North America Product teams.

Alyssa joined eBay in 2016 from payments startup Plastiq where she was responsible for overall operations. Previously, she led international expansion for Square. Earlier in her career, Alyssa spent 10 years at Wells Fargo Bank.

Alyssa is a graduate of U.C. Santa Barbara.

Bénédicte is the Head of the BIS Innovation Hub, Hong Kong Centre. Prior to this appointment, she was a managing director at SC Ventures, the innovation arm of Standard Chartered Bank that leads a series of new ventures across digital banking, banking as a service, SME finance and blockchain. From 2018-2019, she was the Vice President of International Government Relations at Circle, involved in the evolution of blockchain and digital assets. From 2012-2018, she was the Head of Risk & Strategy of the Hong Kong Securities and Futures Commission (SFC), and in that capacity also acting as the Vice Chair of the Committee on Emerging Risks and the Fintech research lead for the International Organization of Securities Commissions (IOSCO). From 2007-2012, she was a managing director at Credit Suisse and before that from 1997-2007 she was an associate and executive director at Goldman Sachs. Originally from Belgium, she holds LL.M. and M.B.A. degrees from the University of Chicago and the University of Leuven. She is admitted to the New York Bar since 1999. In 2016, she was a recipient of the China Daily Asian Women Leadership Awards for her efforts related to entrepreneurship, innovation and charity. She remains closely engaged in these topics, most recently through her involvement in the Fintech Association of Hong Kong (FTAHK) and Women in Finance Asia (WiFA.)

Beth Devin is an innovation leader, digital disruptor, and technology executive who likes to call herself a ""Tech Whisperer"". Currently she is a strategic advisor to HearstLab, scouting, evaluating and advising startup companies. In addition, she is leading the Lab’s fundraising efforts in support of HearstLab founders. HearstLab's mission is to close the gap in VC funding for women by helping founders build healthy, sustainable and highly scalable businesses. In addition to financial investment, the startups gain unrivaled access to expertise within Hearst's 360+ businesses across fintech, healthcare, transportation, consumer media, enterprise software, and data analytics. They also benefit from the guidance and support of the Lab’s 100-women strong “Scout” network, all senior leaders across Hearst’s global businesses and Fitch.

Previously, Beth held CIO, CTO and Managing Director roles at large enterprises such as Citi, Silicon Valley Bank, Charles Schwab and Turner Broadcasting. Beth also has experience building businesses, products, and teams from the ground up at digital companies and startups, including Blackhawk Network, Art.com, and Manilla.com. Beth is known for her ability to build and lead technology teams while keeping the business strategy and goals at the forefront.

Beth started her career as a software developer, systems analyst, and DBA. She received her BS in Computer Science from San Francisco State University and was an International Women’s Forum (IWF) Leadership fellow. She is passionate about increasing the number of women in STEM careers and regularly mentors women taking charge of their career journey.

Bhavesh is a financial services veteran, having spent over 22+ years in leadership roles across leading companies such as Clix Capital, IDFC and ICICI Bank. He joined Paytm in Aug-20 as CEO, Lending Business and the business vertical has grown significantly since then under his dynamic leadership.

In his previous engagement as the founding member and CEO of Clix Capital, Bhavesh played an indispensable role in building strategic-partnership led scale up model and help grow the company to reach over 7 million customers within a span of 3.5 years. At IDFC Bank as the Senior Executive Vice President - Business Banking, he was part of the core founding team and spearheaded the customer acquisition and engagement strategy for the retail business.

Over past 2 decades, Bhavesh has been instrumental in launching several truly innovative and digital offerings catering to personal and business needs of end consumers. He has played a pivotal role in company’s digitization efforts by building strong capabilities, in technology and deep analytics, which can radically alter customer experience and responsibly serve the traditionally underserved segments.

Bhavesh is an MBA in Marketing and Finance from the Institute of Management Studies, Indore.

As an experienced business builder and innovator in Financial Services, Brett has accelerated revenue growth with institutional clients and mobilize FinTech companies. At Coinbase, Brett is making connections between finance 1.0 and the crypto economy. Coinbase is focused on the continued institutionalization of crypto. This includes continuing to expand the institutional client base, building out the coverage team, introducing new features and services that institutional investors expect, and continuing to educate the institutional community about crypto as an asset class and its role within a diversified portfolio.As the Global Head of Sales at Barclays, Brett hired and developed large teams while incubating and launching multiple lines of business. Brett pioneered the Digital role across sales & trading adopting new technologies and transforming existing platforms, including the creation of a digital bank prototype.Brett is currently on the Advisory Board of Eightfold.ai. helping them scale their AI based hiring and retention platform for Financial Services.In earlier experience, Brett held leadership roles in sales, trading, and structuring at JP Morgan, innovating credit derivatives and structuring platforms.

As the Chief Marketing Officer of Citi, Carla leads Citi’s unified branding and marketing organization in building distinctive, impactful campaigns that differentiate the brand and fuel the firm’s continued growth. In this role, Carla oversees Citi’s Branding and Sponsorships, Global Consumer Banking marketing and elements of the Institutional Clients Group’s marketing and sponsorship activities. Carla joined Citi in 2018 as Chief Brand Officer, leading efforts to bring Citi's mission of enabling growth and economic progress to life around the world and overseeing Corporate Branding, Advertising, Sponsorships, Experience and Media, as well as Insights and Analytics. Prior to joining Citi, Carla was Executive Vice President and Global Chief Marketing Officer of Toys “R” Us. In this capacity, she served as a member of the company’s global leadership team and oversaw the vision for the company’s brands, marketing and media strategy, creative, marketing communications, digital marketing, CRM, Analytics, Insights and Loyalty Programs. Prior to joining Toys “R” Us, Carla served as Senior Vice President, Brand Management for PepsiCo’s Global Beverage Group. In this role, she was responsible for driving growth on PepsiCo’s beverage portfolio across 50+ markets around the world, including leading brands Pepsi & Mountain Dew, creating new brands, and expanding Gatorade internationally. During her 13 year tenure at PepsiCo, she held a number of strategic marketing leadership roles for Quaker and Gatorade in the US, and was Chief Marketing Officer for the company’s Middle East & Africa business based out of Dubai. Prior to that, Carla held several marketing roles at The Kellogg Company. Carla is a member of the 2018 Class of Henry Crown Fellows within the Aspen Global Leadership Network at the Aspen Institute.

Caroline Woodworth is a Principal at General Atlantic and focuses on investments in the firm’s Financial Services sector. Before joining General Atlantic in 2015, Caroline was a Senior Associate at J.C. Flowers & Co. in London where she focused on investments in the financial services sector. Prior to that, Caroline was an Investment Banking Analyst in the Financial Institutions group at Citigroup in New York.

Celia Moore is Professor of Organisational Behaviour and Co-Director of the Centre for Responsible Leadership at Imperial College Business School. Her teaching sits at the intersection of leadership and ethics, and she is particularly interested in supporting individuals to enact their moral agency responsibly. She has worked with several organisations on how to support more ethical behaviour at work, including the Financial Conduct Authority (UK), the Institute of Chartered Accountants of England and Wales (London, UK) etc. Celia’s research has been published in numerous journals and featured in the Financial Times, Wall Street Journal, Forbes, and Fast Company, as well as on NPR, the CBC, and the BBC.Prior to joining Imperial, Celia was on the faculty at Bocconi University in Milan and London Business School, a visiting scholar at Harvard Business School and a Fellow of the Edmond J. Safra Center for Ethics at Harvard University. She is currently an Academic Fellow of the Ethics and Compliance Initiative and sits on the UK’s Banking Standards Board Assessment Steering Committee.

Charlie is a co-founder, Executive Chairman, and Chief Executive Officer of Sezzle. Charlie is a serial technology entrepreneur with nearly ten years of experience in growing fintech companies from inception to large-scale businesses. Charlie began his career as an engineer and software developer. After successfully advancing in his early career, he returned to business school where he was able to focus on expanding his knowledge of finance, marketing, and business strategy.

In 2010, after completing business school, Charlie founded his first payments company, Passport Labs, Inc. (“Passport”). Passport became a leader in software and payments for the transportation industry. At Passport, Charlie led the construction and the original technology and led the company as it disrupted the industry through the introduction of white label systems and payment wallets. Passport is the technology behind enterprise transportation installations like ParkChicago, ParkBoston, and the GreenP in Toronto.

Charlie co-founded Sezzle in 2016 and also planned much of the business’ technology architecture.

Charlie has a degree in Mechanical Engineering from the University of Minnesota and an MBA from the Carlson School of Management at the University of Minnesota

Charlotte is Head of Innovation at Schroders, where she is globally responsible for startup engagement as well as internal innovation activities across the asset and wealth management business.

In setting up Schroders’ innovation team, she has been responsible for establishing their strategic approach to innovation and to fintech collaborations, including launching Schroders’ startup programme, Cobalt.

She was recently selected as a ‘Rising Star of Asset Management’ by Financial News, and featured in the ‘Standout 35’ in Innovate Finance’s Women in Fintech awards 2019.

Prior to joining Schroders, Charlotte worked in financial services consulting and spent a year based in Silicon Valley, connecting her corporate clients with VCs and startups.

She holds a first class degree from the University of Cambridge, specialising in Neuroscience followed by a year of Management Studies.

Christer is Founder and CEO at Divido, the API platform for retail finance.

He is the author of ‘How Banks Innovate’, which will be published by Wiley in 2021 and feature 16 case studies from the most innovative banks around the world, including Spring by Citi.

Christer is Chairman of Fintech Finishers, which was set-up to raise awareness, inspire action and introduce accountability for more diversity, inclusion and equality in the fintech industry. Members include senior execs from companies such as Revolut, TransferWise and ClearScore.

Prior to starting Divido, Christer launched Glassdoor.com in EMEA which was subsequently acquired for $1.2bn USD.

Christian Catalini is a co-creator of Diem (formerly Libra), and the Chief Economist of the Diem Association. He is currently on leave from his role as Associate Professor at the Massachusetts Institute of Technology, where he founded the MIT Cryptoeconomics Lab and designed the MIT Digital Currency Research Study. He is also a Faculty Research Fellow in the Productivity, Innovation and Entrepreneurship Program at the National Bureau of Economic Research. Christian's research focuses on blockchain technology and cryptocurrencies, and he previously worked on the economics of equity crowdfunding and startup growth, and the economics of scientific collaboration. He holds a PhD from the University of Toronto (Rotman School of Management), and MSc (summa cum laude) in Economics and Management of New Technologies from Bocconi University, Milan.

Claire Calmejane began her career in 2006 in the Technology Transformation department of Capgemini Consulting, where she supported companies and especially financial institutions in their technological and digital transformation. Contributing to a study on the digital transformation of large companies led by the Massachusetts Institute of Technology in 2011, she joined the London office of Capgemini to lead the digital centre of the Financial Services sector. Recruited in 2012 by Lloyds Banking Group as Head of Digital Delivery in the Online Services Department, she was appointed Innovation Director and set up the Innovation Labs and the Digital Academy before being appointed Risk Transformation Director at Lloyds Banking Group. In September 2018, Claire Calmejane joined Societe Generale as Group Chief Innovation Officer and is a member of the Group Management Committee. Claire Calmejane studied IT Engineering with a degree from the École pour l'informatique et les techniques avancées (EPITA) and a Masters degree from the HEC French school of management.

Dan Schleifer has spent his career building and taking to market enterprise software solutions in the information security, sales enablement, and financial technology markets. With a huge passion for data visualization, he founded Cosaic to bring data viz and modern design to capital markets technology.

Daniel Kjellén is the CEO and co-founder of Tink – Europe’s leading open banking platform. Tink enables banks, fintechs and startups to develop data-driven financial services.

Founded in 2012 together with CTO Fredrik Hedberg in Stockholm, Tink allows customers to access aggregated financial data, initiate payments, enrich transactions and build personal finance management tools. Tink connects to more than 3,400 banks that reach over 250 million bank customers across Europe. Tink’s technology powers some of the world’s biggest banks and fintechs – including PayPal, NatWest, ABN AMRO, BNP Paribas, Nordea and SEB.

David Arana is the Founder & CEO of Konfío, a platform that builds digital banking and software tools to boost SME growth and productivity in Mexico. Prior to this he spent over 6 years at Deutsche Bank, based in New York as Vice President of the Credit Derivatives Structuring division for Latin America. David received his Bachelor of Science degree in Mathematics from Massachusetts Institute of Technology (MIT). He was recognized as a National Society of Collegiate Scholar in 2005, a Hispanic Recognition Scholar in 2003, and he won the Rensselaer Math & Science Medal and Scholarship in 2003. He speaks English, Spanish and Portuguese as a native, having lived throughout the United States, Brazil and Mexico since an early age.

David G.W. Birch is well-known as an author, advisor and commentator on digital financial services. A venture partner with OWI Ventures he holds a number of board and advisory roles in Europe and North America. he is a Forbes contributor and a columnist in Financial World and has just been ranked one of the top 100 global fintech influencers for 2021. Previously, he was named one of the global top 15 favourite sources of business information by Wired magazine and identified as one of the top ten most influential voices in banking by Financial Brand. He created one of the top 25 “must read” financial IT blogs and was found by PR Daily to be one of the top ten Twitter accounts followed by innovators.

An Honorary President of the European ID think tank EEMA and a member of the governing council of the Centre for the Study of Financial Innovation in London, his books “Identity is the New Money”, “Before Babylon, Beyond Bitcoin” and “The Currency Cold War” have made him an internationally-recognised thought leader in digital identity and digital money.

Dave graduated from the University of Southampton with a B.Sc (Hons) in Physics.

David Messenger is a veteran of scaling and transforming organizations during disruptive industry transitions.

As CEO of Hangzhou-based LianLian Global, David is now focused on helping merchants around the world successfully start and grow their cross-border eCommerce businesses. LianLian Global strengthens the growth of 200k+ merchants across the globe through its platform, which provides payments, financing, and other services, including logistics, marketing, and compliance services.

David previously founded Nuna Network (acquired by LianLian), Mast Mobile (acquired by Hearsay), and was a senior executive at several companies, including American Express (where he led a major investment in and partnership with LianLian) and Virgin Mobile USA (successful IPO and acquired by Sprint). He was also a principal at Towers Watson and Price Waterhouse, leading major M&A integrations and transformation projects. David is a proud father, angel investor, and sailing enthusiast."

Dave Nangle, ME at VEF, the emerging market fintech investor

VEF invests in one of the most exciting structural growth stories across some of the worlds fastest growing markets.

Listed in Sweden, VEF holds a portfolio of equity positions in fast growth private fintech companies We are active investors, with board representation, including at portfolio champions, Creditas and Konfio.

David is the EMEA Digital Security Product Manager for Citi Treasury and Trade Solutions; in this role David is responsible for digital security on CitiDirect BE® as well as our Cyber Security client awareness program. For the past four years David has led our client facing initiative and is responsible for developing and maintaining our Cyber security client portal and related content.

Deep has more than 20 years of Silicon Valley experience creating consumer-focused products, developing platform experiences that use artificial intelligence and big data, and building world-class engineering teams. His experience includes companies like IBM, Yahoo!, Trulia/Zillow, and over 5 years of startup experience. He is leading Varo’s Technology teams to build Technology Bank from the ground-up to scale to millions of customers. He holds a Master's degree and an MBA from UC Berkeley.

Dirk Brouwer co-founded ASA International in 2007 and has since served as the company’s Executive Director. He is also the Managing Director of Catalyst Microfinance Investors, which he co-founded in 2006. With over 20 years of experience in investment banking, and 11 in microfinance, he has held several senior and supervisory positions, having acted as a board member of CMI and Founder and Managing Director of Sequoia which he founded in 2002. Prior to this, he spent 14 years working at Merrill Lynch and PaineWebber.

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

Domm Holland is the Co-Founder and CEO of Fast, the world’s fastest online login and checkout platform. Widely known at the ’World’s Fastest CEO,” Domm is an entrepreneur and self-taught engineer. Domm has founded and scaled companies in the logistics, transportation and technology sectors.

He previously founded and served as CEO of Tow, an on-demand vehicle towing platform in Australia that processed more than $50M in transactions. During his tenure there, Domm was awarded the top spot on the Deloitte Tech Fast 50 and recognized as the Brisbane Young Entrepreneur of the Year.

Domm has worked across Australia and the U.S., working in national and multinational telecommunications and technology companies, including Dell, with deep cross-function experience. Domm’s background provides him with a unique perspective that spans R&D, sales and operations, all of which have contributed to his vision for Fast.

Elizabeth is the CEO and founder of AZA, an established provider of currency trading solutions which accelerate global access to frontier markets through an innovative infrastructure. By leveraging cutting edge technology in our flagship products, TransferZero and BFX, AZA is able to significantly lower the cost and increase the speed of business payments to and from frontier markets. AZA is now a market-maker in every major African currency and facilitates payments into G20 currencies directly.

Elizabeth founded the company in 2013 in Nairobi, Kenya and has expanded it to 10+ markets across Africa and Europe. Before founding AZA, Elizabeth was a rating analyst for microfinance institutions across sub-Saharan Africa, consulting for Grameen Foundation, Gates Foundation and the Acumen Fund, as well as working with regulators and policy-makers on legislation for financial innovations. Elizabeth co-chairs World Economic Forum's Council on Blockchain and holds an M.A. in International Business and Finance from Columbia University.

Elly's focus is on strategy, data, and digital transformation. She is an active Non Executive Director, serving on the boards of Greek systemic bank Alpha Bank, specialty (re)insurer Axis Capital, and financial software provider Itiviti. She is also an external member of the audit committee of Cambridge University.

Elly’s previous executive roles include founding CEO of fintech startup Credit Benchmark, Head of Innovation at Deutsche Bank, and Chief Digital Officer at UBS. She holds an MA(Cantab) from St Catharine’s College Cambridge and an MBA from Harvard Business School. She is a keen rower and amateur musician.

Emily Turner is the head of innovation and business development for Citi’s Institutional Clients Group (ICG). In this role, she is responsible for embedding and accelerating innovation efforts for the ICG. She also leads electronification activities, and the identification and pursuit of future growth opportunities, through both internal incubation and external startups. Given her remit, Emily is a member of the ICG management team and also aligned to Citi Ventures.

Previously, Emily was the head of Citi Ventures UK and co-led Citi’s internal growth engine, D10X. In this role, she spearheaded efforts to identify, validate and launch new growth opportunities across the ICG. Leveraging the principles of Corporate Entrepreneurship and Lean Startup, she focused on corporate innovation to solve for clients’ needs and was closely involved in the launches of CitiConnect® for Blockchain and ProxymitySM.

Emily joined Citi Ventures in 2016 from Citi’s Markets and Securities Services group, where she held multiple roles in Client Strategy, Client Management and Business Development.

Prior to Citi, Emily worked as a management consultant at McKinsey & Company in London and she has a depth of experience in financial services through her previous roles at Merrill Lynch, ABN Amro and UBS.

A former pilot, Eran’s areas of expertise span aviation, e-commerce and online payments, particularly in the travel sector. He co-founded DPO Group, a leading African payment service provider, in Kenya in 2006 after discovering a gap in the market for the technology to enable quick and easy online bookings for African airlines.

DPO Group serves retailers, ecommerce, aviation, travel & hospitality, education and service sector. This enables merchants to trade with each other locally, across borders and internationally using our best-in-class payment system.

DPO Group now operates in 19 countries across the continent and its technology enables over 100,000 businesses, including 50+ airlines, to securely make and receive payments online with all currencies and payment methods.

Gary co-founded Laybuy with his wife Robyn and their two sons in 2016.

Founded on simple the idea of allowing customers to stagger their payments over six weeks interest-free, Laybuy aims to make life easier for both consumers and merchants by using technology to bring the traditional layby model into the 21st century.

As Managing Director, Gary has grown Laybuy into New Zealand’s leading Buy Now, Pay Later (BNPL) provider, and has successfully launched Laybuy into Australia and the United Kingdom, where it is now a market leader.

In 2020, Gary led Laybuy’s successful listing on the Australia Stock Exchange (ASX), which has provided it the funding necessary to continue its rapid growth trajectory on its journey to be a global leader in BNPL services.

Gary has held a number of CEO roles in the retail industry, including Number One Shoes, Warehouse Stationary and EziBuy. Prior to his retail experience, Gary worked in treasury roles and in banking.

Gary has a Master of Business Administration (MBA) from Massey University, which he graduated with distinction in 1994.

Gary Schneider is responsible for the Banking, Capital Markets and Advisory relationships for the North America Public Sector Business. He develops innovative solutions across Federal, State and Local, Higher Education and Canadian clients. In this role, Gary drives revenue performance and client satisfaction in the delivery of all of Citi’s Corporate and Investment Banking products to these segments. He is also the Global Lead for Citi’s Transaction Banking Product Innovation across the Public Sector Group.

Gary is actively involved in supporting military veterans. He provides senior guidance to the US Army War College and volunteers his time at the Fisher House supporting service members and their families.

During his career with Citi, Gary has worked extensively with Public Sector clients. He was the Head of the North America Public Sector State and Local coverage team. He served as the Global Business Manager for Citi’s receivables products for corporate, institutional and public sector clients, a $1.3 billion business. Earlier in his career, Gary was the Global Head of Citi‘s Commercial Cards business where he led the roll-out of Citi’s commercial card products to 40 countries, making Citi the leading global issuer of commercial cards.

Gary earned a BA in International Relations at the University of Wisconsin-Madison and an MBA from the University of Pittsburgh. He has served on the Board of Directors of NACHA and holds Series 79, 63 and 24 licenses.

Greg is the founder of SecureKey and brings more than 30 years of experience in fintech, security and mobile solutions to his role as Chief Executive Officer. Greg is a serial entrepreneurial whose earlier ventures include Footprint Software Inc., a financial software company he sold to IBM, and 724 Solutions Inc., a wireless infrastructure software provider he took public. He sits on several boards and has been recognized as one of Canada’s Top 40 Under 40, Entrepreneur of the Year and one of the 100 Top Leaders in Identity. Greg holds a Bachelor of Arts in Computer Science from the University of Western Ontario and a Bachelor of Science in Biochemistry and Life Sciences from the University of Toronto.

Gulru Atak Gundem is Global Head of Treasury & Trade Solutions Innovation. Her primary responsibilities are defining and delivering TTS Global Innovation strategy and agenda by leveraging emerging technologies, enabling an innovation culture within TTS, as well as leading TTS Innovation Labs across three locations Dublin, New York and Singapore.

Gulru is an evangelist of innovation with great passion about leveraging new technologies to provide a best-in-class transaction banking experience to Citi’s clients. She believes in the power of collaboration for innovation, and focuses her efforts on cultural transformation as well.

Prior to her current role, Gulru was the Head of Treasury and Trade Solutions for Turkey and Non-Presence Countries in Central Asia and the Caucasus since April 2014. Gulru joined Citi Turkey in 2002 and has 17 years of experience in banking. She has assumed various responsibilities in product and business management. Before joining Citi, her career started at PriceWaterhouseCoopers as an associate in Assurance & Business Advisory Services at September 2000. Gulru holds a BA degree in Business Administration from Bogazici University in Istanbul Turkey. She is married, and has a seven-year-old daughter. Gulru is passionate about mentoring, especially inspiring women in achieving their potential…

In 2017, Gulru has been recognized in Women In FinTech Power list by Innovate Finance.

Citi’s Treasury and Trade Solutions, a division of Citigroup's Institutional Clients Group, offers integrated cash management and trade services and finance to multinational corporations, financial institutions and public sector organizations around the world. With a network that spans more than 100 countries, TTS supports over 65,000 clients.

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Ham Serunjogi is the co-founder and CEO of the company. As CEO, Ham leads the company’s Senior Management Team, and is responsible for setting the overall direction & business strategy for the company. Ham has led the Company through multiple funding rounds, raising over $52m in the last year and a half. Prior to the founding of Chipper Cash, Ham worked at Facebook in New York and Dublin, Ireland where he was responsible for leading Facebook's partnerships with some of its largest clients and partners. Ham is based out of Chipper Cash's Global Headquarters in San Francisco, California and holds a Bachelor's degree in Economics from Grinnell College.

Ms. Haridarshini has over 15 years of experience in the development sectors. She holds a degree in B. Tech from REC-Warangal and she also hold certified Lean Six sigma Blackbelt. She joined the Company immediately after pursuing her B. Tech, in the finance and analysis team in 2003. Thereafter, she worked with APMAS-Technical Institution, focusing on ratings for Self- Help Groups (SHG) and training in Accountings, Delinquency Management and Financial Analysis. She re-joined GK in May 2007 and since then she has been with the organisation. She has worked with various departments of the company like MIS, Planning and Monitoring, Finance and account, Human resource and currently she is heading organisations Operational Excellence Department.

Harish leads a global team working on payments and market infrastructures topics in the Finance, Competitiveness and Innovation Global Practice at the World Bank. His work spans Payments and market infrastructures, Financial Inclusion, Digital ID, Digital Economy and FinTech. Harish represents the World Bank in several international working groups on these topics. Harish was a lead contributor to the preparation of the IMF-World Bank Bali Fintech Agenda and is a co-chair of a CPMI-World Bank taskforce on Payment Aspects of Financial Inclusion. Harish is on the editorial board of the Journal of Digital Banking and is a guest editor at the Journal of Payments Strategy and Systems.

Prior to joining the World Bank, Harish worked in senior level positions at Visa in business development, operations, and risk management. Harish holds an under-graduate degree in Electrical and Electronics Engineering from Indian Institute of Technology -Madras, India and a Post Graduate Diploma, from Indian Institute of Management-Calcutta, India specializing in Finance and Systems.

Henri Arslanian is the PwC Global Crypto Leader, the former Chairman of the FinTech Association of Hong Kong and an Adjunct Professor at the University of Hong Kong where he teaches the first FinTech university course in Asia.

Henri advises many of the world’s leading crypto exchanges, investors, financial institutions and tech firms on their FinTech and crypto initiatives as well numerous governments, regulators and central banks on Fintech and crypto regulatory and policy matters.

With over 500,000 LinkedIn followers, Henri is a TEDx and global keynote speaker, a best-selling published author and is regularly featured in global media including Bloomberg, CNBC, CNN, The Wall Street Journal and the Financial Times.

Henri was named by LinkedIn as one of the global Top Voices in Economy & Finance and is the host of the FinTechCapsules™ and CryptoCapsules™ social media series.

Henri was recently named by Onalytica as the #1 most influential individual on Finance globally on LinkedIn out of 50k+ individuals working at the top professional services and management consulting firms in the world.

Chambers Global named Henri the “highest profile FinTech consultant in Hong Kong”, Blockchain Asset Review named him the “Most Influential Crypto and Blockchain Thought Leader in Asia”, and Asian Private Banker awarded him the “FinTech Changemaker of the Year” award.

Henri’s latest book “The Future of Finance: The Impact of FinTech, AI and Crypto on Financial Services” published by Palgrave Macmillan, was ranked as one of Amazon’s global top 10 best-sellers in financial services and was recognized as one of the “Best FinTech Books of All Time” by Bookauthority.

Before joining PwC, Henri was with a FinTech start-up and previously spent many years with UBS Investment Bank in Hong Kong. Henri started his career as a financial markets and funds lawyer in Canada and Hong Kong.

Henri speaks five languages including English, French, Armenian, Spanish and Mandarin Chinese.

He holds a Masters in Chinese Law from Tsinghua University; a joint Global Executive MBA from Columbia Business School, London Business School, and Hong Kong University; a Bachelor of Law from the University of Montreal (Dean’s List of Excellence) and a Masters in Transnational Law from the University of Sherbrooke, where he was awarded the Governor General of Canada Gold Medal for Academic Excellence for having graduated with the highest grades of the university.

Hugo Bongers is the Managing Director of ABN AMRO Ventures

Hugo started as the first full time employee of the fund back in 2017. Since then, the fund made 15 investments, including 1 exit. Portfolio companies include amongst other, Tink, solarisBank, OpenInvest and Quantexa. He previously worked in leveraged finance and private equity outside ABN AMRO and has always been active in the TMT market. ABN AMRO Ventures is the corporate venture capital arm of ABN AMRO Bank. The fund’s mission is to make strategic investments in technology companies which are relevant for the bank and the digital transformation of its products and services. The fund totals €150M fund and with a portfolio of 15 companies including 1 successful exit.

Ian is globally responsible for RegTech within ING Labs, with a focus on supporting and investing in early stage companies to help address regulatory compliance and pro-actively protect the financial system at large.

Ian is an accomplished change manager, with over 15 years’ experience across service, operations and regulatory environments. He also brings a wealth of experience and knowledge of post-trade infrastructure and innovation.

Ian is an active member of ING UKs Innovation Council and has had responsibility of defining strategy and transformation under ING’s Chief Administrators office function.

Ian serves as Co-Chair to FINOS SIG Regulation Innovation and he promotes ecosystem building efforts to help solve some of the fundamental challenges to technology adoption.

Ida Chen is Head of Strategy and Business Management in the Asia/EMEA Consumer Bank at Citi responsible for driving strategy execution across the region.

Prior to joining Consumer Banking in 2019, Ms. Chen held various strategic and financial roles across several businesses and regions. She joined Citi in 2005 as an analyst in the Private Bank.

In her free time, Ida is an avid traveler and has visited 72 countries to date.

Imran Gulamhuseinwala was appointed Implementation Trustee for the Open Banking Implementation Entity (OBIE) on 13 April 2017.

In his role as Trustee, he has oversight and responsibility for Open Banking’s development and delivery of the common technical standards underpinning the Competition and Market Authority’s (CMA) Open Banking initiative. 

Prior to joining Open Banking, he was involved with the Entity’s work through its stakeholder working groups and has been active in financial technology as both an investor and a start-up founder.

He has worked in financial services for 20 years, eight years of which included investing in the FinTech sector. He is a former Partner of Ernst & Young (EY) where he was also Global Head of FinTech. He is a Board Member of The Charity Commission for England and Wales. 

He is the co-founder of CommuterClub, a FinTech 50 start-up which helps commuters to access savings for annual travel season tickets. 

He was awarded an OBE in the 2017 New Year’s Honours list for his contribution to the financial services sector.

He has a Masters in Engineering from Cambridge University and is a CFA charter holder.

Itay Tuchman is Citi’s Global Foreign Exchange Head effective March 2017. He is responsible for the G10 and Emerging Markets FX trading businesses globally. From June 2019, he has taken management of FX Institutional Sales in addition to his trading responsibilities.

Prior to his new role, he was Head of Markets for Citi in Australia and New Zealand from 2014 to 2017. As Head of Markets in Australia and New Zealand he was responsible for all sales and trading activity across the platform, including Equities, FX, Rates, Risk Treasury and Credit.

Before his role as Head of Markets for Citi in Australia and New Zealand, he was Head of Foreign Exchange and Head of G10 Rates Trading for Citigroup Global Markets Japan Inc.

Mr. Tuchman began his career with Citi in 1998 and has close to 15 years of experience within Citi, spanning Asia Pacific, Australia, Europe and New York. Mr. Tuchman became Managing Director and Regional Head of Short Term Interest Rate Trading in Europe in 2006 after the roles of Head of Short Term Interest Rate Trading in Japan from 2001 to 2003 and in Sydney running STIRT for Asia-Pac from 2003 to 2006.

He rejoined Citi in April 2012 to lead Foreign Exchange sales and trading activities in Japan and added his role heading G10 Rates Trading in December 2012.

Mr. Tuchman holds dual B.S. degrees in Economics and Management-Finance from the Massachusetts Institute of Technology (M.I.T.)

Jane Fraser is the Chief Executive Officer of Citi, the world's most global bank, serving millions of consumers, businesses and institutions across 160 countries and jurisdictions. She is the first female CEO in the firm’s history.

Jane has deep experience across Citi’s consumer and institutional businesses and, in many ways, she helped shape Citi into the company it is today. Before becoming CEO in February 2021, she was President of Citi and CEO of the Global Consumer Bank, responsible for all of Citi’s Consumer businesses, including Retail Banking and Wealth Management, Credit Cards, Mortgage and Operations and Technology in 19 markets.

Before that, she was the Chief Executive Officer of Citigroup Latin America from 2015 to 2019. From 2013 to 2015, she was the Chief Executive Officer of the U.S. Consumer and Commercial Banking and CitiMortgage. From 2009 to 2013, Jane served as the Chief Executive Officer of Citi's Global Private Bank. Prior, Jane was the Global Head of Strategy and Mergers & Acquisitions for Citi from 2007 to 2009. She joined Citi in 2004 in the Corporate and Investment Banking division.

Before joining Citi, Jane was a Partner at McKinsey & Company. She started her career at Goldman Sachs in the Mergers & Acquisitions department in London and then worked for Asesores Bursátiles in Madrid, Spain.

She is Vice Chair for Partnership for New York City and a member of the Harvard Business School’s Board of Dean’s Advisors, the Stanford Global Advisory Board, the Economic Club of New York and the Council on Foreign Relations. Jane has an M.B.A. from Harvard Business School and an M.A. in economics from Cambridge University. She is married with two children.

Jens Ehrenberg is an analyst with Citi Research covering European Banks and Diversified Financials. Previously he was an equity research analyst covering UK diversified financials at N+1 Singer. Jens also worked in the Corporate Finance department of N+1 Singer as well as for Berkshire Global Advisors in London and Conquest Advisory in Paris, where he was involved in a range of M&A transactions and public market advisory mandates. He started his career in the Finance department of 3M in Germany in 2010.

John leads Amazon Web Services’ (AWS) worldwide business and market development efforts for the banking and capital markets segment of the Financial Services industry. In this role, he is responsible for the development and execution of AWS’s strategic initiatives across a wide range of financial services companies . He works with these organizations to help them transform their existing businesses and bring new, innovative solutions to market by leveraging AWS services. John has more than 20 years of experience developing solutions for capital markets companies. Before joining AWS, he led the Global Transaction Surveillance Program for J.P. Morgan’s Investment Bank, where he headed the coordination and execution of strategy, technology delivery, and governance to address the organization’s regulatory mandates. Prior to joining J.P. Morgan, John ran NASDAQ’s high-frequency execution, real-time market risk, and reporting services with responsibility for product strategy, development, and operations. He also gained extensive experience in all aspects of product ownership—including market analysis, business development, technology management, and P&L oversight—working at two venture-backed financial technology companies.

Jonathan Larsen is now Chief Innovation Officer of Ping An Group and Chairman and CEO of Ping An Global Voyager Fund. Jonathan spent 18 years at Citigroup where he was most recently Global Head of the firm’s Retail Banking and Mortgage businesses, generating ~$12Bn in Revenues and spanning 19 countries. He has been at the leading edge of the financial services industry for the last 29 years across the Asia Pacific region and globally. He brings a unique blend of strategic vision, operational depth, and understanding of the new technology landscape. He has led multiple large-scale, successful businesses across a wide range of markets and has extensive experience in negotiating and managing partnerships and M&A transactions. Prior to Citi, Jonathan was a Principal in the Financial Services Practice of global management consulting firm, Booz Allen & Hamilton where he spent eight years advising large banks and other financial institutions across Asia, Australia and New Zealand and in the United States and Europe. Jonathan is a Distinguished Fellow of the Institute of Banking and Finance, Singapore and was named Retail Banker of the Year in 2011 by Asian Banker magazine. He has been widely quoted in major business publications including the Financial Times, Bloomberg, Reuters, New York Times, Wall Street Journal, the Economist as well as local media throughout Asia Pacific. Jonathan holds a Bachelor of Arts (Hons) from the University of Melbourne.

Jonathan Levin is Co-founder and Chief Strategy Officer of Chainalysis, the blockchain analysis company. In his role as CSO, he is responsible for designing long-term strategic initiatives that help government agencies, cryptocurrency businesses, and financial institutions investigate illicit activity, comply with regulations, and mitigate risk through anti-money laundering technology and education. Jonathan is regularly called upon to testify for the U.S. Congress and other government hearings on the emerging risks and opportunities in cryptocurrencies. He is also a mentor for the Techstars Alchemist Blockchain accelerator.

Prior to Chainalysis, he was the CEO of Coinometrics, which provided the first dashboard of blockchain intelligence. He was also a postgraduate economist at the University of Oxford, where he researched cryptocurrencies.

Jonathan holds a BSC in Economics from Bristol University and Master of Philosophy in Economics from the University of Oxford. He lives in New York.

Jorge Rubio heads Citi’s Global Inclusive Finance Group based in London, UK, created in 2005 to spearhead the firm’s commercial efforts to support social and financial inclusion around the world. He has participated in the design of Citi's strategy to support the expansion of financial services through Citi's businesses in over 40 countries. Since inception, the Citi Inclusive Finance team has helped mobilized over $4 billion in funding for clients serving the last mile, with emphasis in women empowerment. His work around social and financial inclusion spans sustainable value chain development, digital financial services reaching the unbanked, and innovative models that expand access to basic services including power and electricity, water and sanitation, housing, education and agricultural finance for lower income populations in emerging markets. Citi’s efforts in this area have been externally recognized, including with the Euromoney 2017 World’s Best Bank for Financial Inclusion Award.

Interested in digital financial innovation and the development of cashless ecosystems and mobile money, he has formed public and private sector partnerships to expand access through innovative channels. He introduced new crowdsourcing models to develop financial technology solutions that leverage deeper Internet and smartphone penetration among underserved customer segments, which constitutes a new approach to product development in financial services.

He holds a MBA from Columbia Business School in the city of New York and the Instituto de Estudios Superiores de la Empresa in Barcelona, Spain.

In 2009, Jorge was an Associate to the David Rockefeller Centre for Latin-American Studies at Harvard University where he worked with thought leaders in the areas of impact investment and commercial solutions for lower income markets at the Graduate School of Education, the Kennedy School of Government and the Harvard

Based in London, Joumanna Bercetche is anchor of the European edition of CNBC’s Street Signs. She spends much of her time reporting live on company earnings and interviewing both CFOs and CEOs from across EMEA. She also reports live on key decisions taken by financial institutions across the world, such as the European Central Bank’s and Bank of England’s monetary policy decisions. She has also covered Italian elections, Spanish Catalunya events, Eurogroup meetings and moderated macroeconomic panels at the annual IMF and OECD conferences.

Julie Monaco is the Global Head of Citi’s Public Sector Group in the Banking, Capital Markets and Advisory (“BCMA”) division of Citi’s Institutional Clients Group. Julie leads the banking coverage team in 98 countries that is responsible for providing a full range of financial services (transaction banking, capital markets, advisory, sales and trading) to public sector entities in 160 countries. Clients include central banks, central government agencies, state and local governments, supranationals, development banks, non-government organizations and academic institutions. Julie also has the additional responsibility for managing the team within banking responsible for ensuring banking is executing against its KYC/AML responsibilities and that Citi is improving processes and technology to support the bankers’ ability to fulfill their obligation.

Julie was named, in 2020, to the American Banker’s list of “25 Most Powerful Women in Banking and Finance” for the eleventh year. She was also recognized by Crain’s “Notable Women in Banking and Finance” for 2019. Julie received MIGA’s 2018 Gender CEO Award for promoting the advancement of women and contributing to the World Bank Group’s goals.

Julie serves on the BCMA’s Diversity Committee, Citi Women’s Senior Steering Committee and leads the committee’s efforts on driving economic progress through gender equality. She’s a member of the Board of Trustees for the China Institute, the Board of the Business Council for International Understanding, the Board of the American Indonesian Chamber of Commerce and the Board of Astana International Financial Centre in Kazakhstan. Julie’s also a member of the Council on Foreign Relations.

une was appointed IG CEO in October 2018, having previously served as a non-executive director of the Company since 2015.

June has had a successful career, growing and leading global financial services and tech companies, and living and working in Hong Kong, London and New York.

June brings more than 25 years’ experience in both the finance and digital technology sectors and currently also holds Non-Executive Board Director roles at RELX PLC and The London Technology Club.

Until the sale of Verifone Inc., June was President of Verifone Europe and Russia with responsibility for more than 2,000 employees and the operation of the business throughout those territories. Prior to her role at Verifone, June held various executive management positions at a number of large multi-national businesses. These include Citibank where she was Managing Director of Global Healthcare, Citi Enterprise Payments, IBM Corporation where she was Global General Manager for the Global Banking and Financial Markets industry sector, and Chase Manhattan Bank where she was APAC Region Head of GPTS. June has also worked as a strategy consultant at Booz, Allen & Hamilton, in strategy roles at Chase Manhattan Bank, and as CEO of Certco, a risk management technology firm for global broker dealers.

June graduated from the University of Pittsburgh with a summa cum laude (first class honours) degree in Chemical Engineering and Pre-Med.

A recognised innovator and passionate believer in the power of STEM (Science, Technology, Engineering and Maths), she is a recipient of the Edison Award – an award honouring excellence in technological innovation and elected in the Innovators Hall of Fame for Banking Technology News.

In 2019, June was a finalist in the business category of the Asian Women of Achievement (AWA) awards. In 2016, she was recognised as the Most Influential Woman in Payments by PaymentSource and Source media.

She is a founder of the Women’s European Network and elected to the Committee of 200 – an invitation only membership organisation of the world’s most successful female entrepreneurs and corporate leaders.

Kamal Quadir, a practitioner who focuses his efforts on technology that brings about social progress by enabling people to advance economically. He is the Founder and CEO of bKash, a digital financial service that offers millions of unbanked and underbanked people access to financial services through basic cellphones or smartphones in Bangladesh.

Earlier Kamal founded CellBazaar, a communication company, that has introduced a cellphone based electronic marketplace for developing countries. Kamal is a founding member of Open World Initiatives, a Lausanne, Switzerland based organization of young thinkers. He is involved with Anwarul Quadir Foundation and Shireen Quadir Trust that recognize innovations in developing countries. He received the Tech Award in 2007 for “Applying Technology to Benefit Humanity.” He is a First Mover Fellow of The Aspen Institute. In 2009 the World Economic Forum and TED have respectively selected him as a Young Global Leader and a TED Fellow. He is an accomplished artist whose work is in the collection of Bangladesh National Museum. He has a BA from Oberlin College and an MBA from the Sloan School of Management at MIT.

Karen Adie is Director, Merchant Services at TradeDepot. She is a technology professional with experience in Product Management and Financial Technology in the UK and Nigeria. Having earned degrees from The University of Nottingham and Cranfield University, she started her career with industry leading companies like Goldman Sachs and The Tata Group. Prior to TradeDepot, Karen has taken on several roles in various indigenous African start-ups.

She is actively interested in contributing to the growth of female students in STEM courses, and committed to finding innovative ways that technology can be used to solve problems facing underserved and marginalised women.

Karim Temsamani joined Stripe, the best software platform for running an internet business, in April 2019, to lead strategic vision and execution across product and engineering for Financial Products (Stripe Capital, Stripe Treasury, Stripe Corporate Card and Stripe Issuing).

Prior to Stripe, he spent 12 years at Google where he oversaw, for the last 6 years, all of Google’s sales and operations across the Asia­Pacific region, determining the strategy for 16 offices and the regional business strategy for Google products including AdWords, AdMob, Google Maps, Google Apps for Business, DoubleClick Ad Exchange, YouTube and AdSense.

Prior to this, he established Google’s mobile advertising business as its Global Head of Mobile. He oversaw the growth of Google’s mobile advertising business worldwide, leading the teams charged with providing advertising services and solutions to thousands of advertisers, developers, and publishers.

From 2007 to 2010, Karim was Managing Director, Google Australia and New Zealand, leading its business and strategic partnerships in those countries. Karim joined Google from Fairfax Media, where he was Commercial Director for Newspapers (responsible for agency and group sales, trade marketing and business development) and Group Director, Fairfax General Magazines.

He started his career in the media and publishing industries and graduated in International Affairs at the European Business School Paris. He was born and raised in France with a family lineage that traces to Morocco.

Kaushalya leads foundational industry and regulatory relationships across the UK business at Square.

Prior to joining Square, Kaushayla spent 12 years at HSBC, where she was Managing Director of Fintech Partnerships including representing on various company Boards including Tradeshift and R3.

Kaushalya has joined the committees and boards of several companies and organisations, and is currently an advisory board member of PayU, and a member of the World Trade Board and is a mentor for Barclays Techstars in the UK. She has been quoted widely in the media and recognised on numerous lists of women innovators and women in fintech.

Kaushalya hails from Botswana and holds an MBA in Finance from the University of New South Wales.

Citi Inclusive Finance is focused on advancing financial inclusion and enabling access to goods and services for underserved communities in Citi's footprint. Kyla unites with Citi's frontline businesses across the globe to bank, fund, and partner with socially minded corporates, microfinance institutions, DFIs, and NGOs. These social business models have an emphasis on enabling gender equality in emerging markets through funding financial inclusion for women, providing access to capital for smallholder farmers, and supporting access to safe off grid energy, healthcare, education, water and sanitation.

Kyla has a ten year background in commercial finance with Citi and holds a BA in Economics from Boston University.

Supervisory Special Agent Kyle C. Armstrong is the Unit Chief of FBI’s Counterterrorism Finance Targeting Unit (CTFTU). CTFTU leverages financial intelligence to initiate and enhance illicit finance investigations. CTFTU regularly leverages blockchain data and works on digital asset Strikeforces as part of its mission. Since joining the FBI in 2008, UC Armstrong has investigated illicit finance in Chicago, Phoenix, and at FBI Headquarters in the Money Laundering Unit and CTFTU.

Laura Noonan is a journalist at the Financial Times.

Lola leads commercialisation and growth for Citi’s new digital payments business, Spring by Citi, in the EMEA region, working to advance seamless e-commerce experiences for consumers and merchants through payment innovation. Prior to this, Lola led the e-commerce strategy for Citi’s Treasury and Trade Solutions (TTS) business in EMEA, building out cash management propositions for some of the largest digital companies and Fintechs to grow their businesses, and supporting traditional corporates as they pivot to new e-commerce business models. She's been a mentor on the Citi Accelerate mentorship program for Fintechs and enterprise focused start-ups, and previously led regional business development and partnerships to launch mobile payment solutions for Citi’s institutional clients in EMEA.

Lola is an experienced speaker on digital themes such as Open Banking, e-commerce trends and payments landscape developments. She holds an MBA from Judge Business School, Cambridge University.

Macgregor leads Westpac’s corporate and business development team, where he’s responsible for M&A, strategic investments and partnerships. He is also the Co-CEO of Westpac’s new digital bank.

Before joining Westpac in 2016, Macgregor was a managing director at a US private equity firm, an investment banker at Goldman Sachs, and a corporate lawyer in New York. He started his career as the Associate to Justice Michael Kirby at the High Court of Australia.

Macgregor graduated from Adelaide, Princeton and Harvard Universities, and is the co-author of Imagining Australia: Ideas For Our Future (Allen & Unwin 2004).

Macgregor is currently a non-executive director at the Australian Business Growth Fund, and sits on the board of 10x Future Technologies in the UK.

He lives in Sydney with his wife Tanya and their three children.

Marcus is Co-founder and CEO of Luno, a leading global cryptocurrency company, operating across several countries and continents. Luno makes it safe and easy for people and businesses to buy, use, store and learn about cryptocurrencies, with the ultimate vision to upgrade the world to a better financial system.

Marcus previously worked in private equity, consumer and investment banking across Europe, Southeast Asia and Africa, for companies like Standard Chartered, Morgan Stanley and 3i. He holds an MBA from INSEAD, is a qualified Chartered Accountant and a CFA charterholder.

Mark is a Managing Director in the EMEA FIG team in London, having joined in 2006

He serves as Head of FinTech EMEA with a focus on the Payments industry

Prior to Citi, he was part of the corporate finance divisions of Dresdner Kleinwort Wasserstein in London and Bear Stearns in London and Dallas

He received a B.B.A. from The University of Texas, Austin

Mark Nelsen is Senior Vice President at Visa Inc. where he is responsible for leading Europe’s product and solutions organization, and is the global leader for Visa’s Open Banking capabilities.

Mark’s focus spans across new technology, new product development, core product management, and product optimization, serving merchants, acquirers and client financial institutions. Mark has led several product organizations throughout his career at Visa. The products built under his leadership are used across more than 200 countries and territories.

Group Executive Committee member of AIA Group Ltd with responsibility for the Group’s strategy and corporate development, including M&A, corporate transactions, and strategic partnership deals underpinning ecosystem development for the Group.

Joining the Group Executive of AIA in 2014 as Chief Strategy and Corporate Development Officer, Mr Saunders is a Board Director of various companies within the Group, has been responsible for the Group’s Corporate Solutions, Group Life and Health and Healthcare businesses across all 18 markets and has also served as Group Chief Marketing Officer bringing together Strategy and Marketing centred around Customer Propositions driving evolution of customer-centricity of the business and the purpose-led strategy of helping millions of people live healthier, longer, better lives through moving beyond being a transactional reactive payer to be a value-adding proactive partner for life which not only provides financial protection when it’s needed most but also actively manages risk through improving people’s wellbeing and healthcare outcomes – a pure form of creating shared value.

1997-2014:- Managing Director, Towers Watson, Asia-Pacific Insurance Sector & Hong Kong office, oldest and largest Asia business, and Board member of various entities. Driving consulting to leading insurers and corporations, the insurance consulting business grew twenty-fold to undisputed market leader in Asia-Pacific. With widely recognised expertise in strategy and determining, and helping drive sustainable growth of, the economic value of insurers, he established a distinctive leadership position providing Expert Opinions in IPOs of major insurers in Asia. He was also a member of numerous regulatory committees that set industry standards across Asia.

1987-1997:- UK insurer CMI, working in Asia from 1989 becoming Hong Kong CEO and turning around the business into one with sustained double digit profitable growth. Executive Director and Board Member of the Isle of Man-based international life insurance operations of Clerical Medical (CMI) and its joint venture life insurer in Korea (Coryo-CM).

Fellow of Institute and Faculty of Actuaries and 5 other professional actuarial bodies.

Matthew Saal is a Digital Finance Specialist in the IFC’s Financial Institutions Group. Matthew joined IFC in 2016, and covers digital financial services advisory work, partnerships, and investments in innovative financial services providers.

Megan Cooper (Caywood) is Head of Digital Strategy at Barclays, and formerly Chief Platform Officer of Starling Bank. She moved from the tech scene in San Francisco to the UK in 2016, and has since been listed as one of the Most Powerful Women in Finance, on Forbes 30 under 30, and as one of the Top Entrepreneurs in the UK by Business Insider.

Melissa Tuozzolo is the Head of FI Payments Market Management and Industry Initiatives in Citi’s Treasury and Trade Services organization. In this role, Melissa manages a team focused on global market management, strategic transformation and the execution of key industry initiatives for the FI payments product. She is a member of the PMPG And the SWIFT US National Group.

Melissa has fifteen years’ experience in the Transaction Banking industry. She started her career in Citi’s Global Transaction Services analyst rotational program, where she worked across strategy, product development and client management. She then joined the Global Payments team as a Vice President where she held roles in International Payments and Innovation and Product Development. In these positions, she led core product management along with development and architecture efforts for new payment products. She joined HSBC in 2014 as the North American head of International Payments. In this capacity, she managed a suite of payments products for HSBC’s North America region including Clearing, Foreign Currency Payments and Global Disbursements. Prior to rejoining Citi in 2017, she was the Director of Direct Banking at Amalgamated Bank, tasked with developing a digital consumer bank proposition and leading engagements with FinTech partnerships.

Meltem Demirors is Chief Strategy Officer of CoinShares, an investment firm that manages billions in assets on behalf of a global investor base, and is a trusted partner to investors and entrepreneurs navigating the digital asset ecosystem. Meltem oversees the firm’s managed strategies group and its New York office, and leads corporate development. Previously, she was part of the founding team of Digital Currency Group. As a veteran investor in the digital currency space, she has invested in over 250 companies in the ecosystem. Meltem is passionate about education and advocacy, and teaches the Oxford Blockchain Strategy Programme and co-chairs the WEF Cryptocurrency Council.

Michael Moro has been CEO of Genesis since early 2016. Under his leadership the firm has grown to over $45 billion in annual transactions, and has expanded from OTC trading into institutional borrowing, lending, derivatives, custody and prime brokerage services. Previously, Moro served as COO of Genesis, responsible for all operations and management at the firm.

Prior to Genesis, Moro spent 6 years as Vice President and Director at SecondMarket, which grew to $2.5 billion in transactions and was acquired by NASDAQ. Before SecondMarket he spent 6 years working in investment banking at Citi, covering financial institutions including JP Morgan, Capital One and Sallie Mae.

Michal Kissos Hertzog leads Pepper, Israel's first mobile-only challenger bank that was launched in mid-2017. Pepper, part of the Leumi Group, represents a revolution in how Millennials think about and manage their money in a digital world. It is based on a unique AI technology that helps customers better manage their finances and make the most of their money.

Michal has 15 years of experience in digital banking, strategy and corporate development within the Leumi Group. In her previous role, Michal served as Head of Innovation and Digital at Leumi. She was responsible for leading and implementing digital innovation across all business lines of the Group, alongside managing 'Leumi Digital' – the bank's digital banking channels. Michal also served as Head of Corporate Development at Leumi's Retail Banking Division and held several managerial positions at 'Leumi Card', Leumi’s credit card company.

Prior to joining the Leumi Group, Michal spent several years as an attorney at GKH law offices, one of Israel’s leading law firms, specializing in corporate and commercial law, securities and M&A transactions.

Michal holds a B.A. in Economics and an LL.B. from Tel Aviv University, and an MBA from IDC Herzliya (Wharton Executive Program, University of Pennsylvania)."

Michele is the Co-Founder and CEO of StashAway, the leading digital wealth manager in South East Asia and the Middle East, with over USD 1B in AuM.

Prior to founding StashAway, he was the Group CEO of ZALORA where he was responsible for it growing 15x and becoming the undisputed leader in the market. Before ZALORA, Michele founded the Italian and Pakistani operations of Rocket Internet, launching 5 companies in these 2 countries.

From 2004 to 2012, Michele worked in the financial industry, first as a consultant at McKinsey (Milan and New York offices) where he advised several world-class financial institutions on a variety of topics, then in Milan-based Private Equity Fund Manager Synergo. Michele earned his MBA at Columbia Business School and his Bachelor of Science in Finance at Bocconi University in Italy. Michele was part of Singapore’s Committee for the Future of the Economy in 2016, invited by the Minister of Finance.

Former star-trader at Goldman Sachs, promoted to Vice President by the age of 26 and made the “Top 30 under 30” list in Trader Magazine in 2008 and Forbes Magazine in 2011 after profitably trading the 2008 and 2011 crashes. Moved to Geneva-based macro fund Jabre Capital in 2011, before deciding in 2014 that the future of finance lay in blockchain technology. She founded Melonport AG in 2016 which built the Melon Protocol (now known as Enzyme Finance). Mona has a background in Economics & Statistics at the University College London.

Professor Monica Singer is a Chartered Accountant (SA)

She was the first CEO of South Africa’s Central Securities Depository (CSD), Strate (Pty) Ltd which she set up in 1998 until she resigned in August 2017 to work on decentralised blockchain solutions.

In October 2017, Monica was appointed as South Africa Lead for Consensys, being the biggest blockchain company in the world.

Monica also participates as:

• Board member of the South African Institute of Chartered Accountants (SAICA)
• Professor of Practice in the School of Accounting in the University of Johannesburg.
• Board member of the Accounting Blockchain Coalition which is defining market practices for accounting, auditing and taxes of crypto assets.
• Vice chair of the Global Legal Identifier Foundation (GLEIF) based in Switzerland.
• Chairperson of the Financial Industry Committee of GLEIF board.

Monica held numerous board and advisory positions. She was the Vice President of the African Middle East Regional Association of CSDs (AMEDA) and a member of the World Forum of CSDs (WFC). She was also involved in a number of charitable organisations including Strate Charity Shares and chaired for 10 years Afrika Tikkun Investment Trust.

Monica previously worked at the World Bank in Washington DC in 1995/96 and was the Technical Director of the South African Institute of Chartered Accountants (SAICA) from 1990 to 1996.

Monica completed her articles with the audit firm Arthur Young in 1987.

Monica has been recognised over the last 20 years with many awards, the most notable being the first winner of the Conscious Company award in South Africa in 2017.

Monika Liikamaa is the CEO, Co-Founder and Chair of Nordic payment service provider Enfuce. Monika’s visionary thinking and her 20+ years of experience in the fast-paced payment industry has enabled Enfuce to integrate services for its customers in record time. Building sustainable solutions is a core value of the company and this is made possible thanks to Monika’s wide knowledge of the industry. Monika believes wholeheartedly that a business is nothing without a great team of people, and that is why she has joined forces with industry experts as co-founders and employees. Enfuce is one of the leading fintechs in Europe, with close to 10 million end-users on its platform.

Morgan is a General Partner at NFX, a seed-stage venture capital fund.

Most recently, Morgan was at Facebook where she originally joined as part of the Corporate Development team in May 2017. Her main project was trying to answer the question ""how should Facebook be thinking about blockchain?"" This evolved into the creation of the dedicated blockchain team which later became Diem and Novi. Morgan was Head of Strategy for Facebook's Novi.

Prior to Facebook, Morgan ran Corporate Development at Medium where she led the Embedly acquisition and helped develop the subscription strategy. Before that, Morgan was on the Deal Team at Andreessen Horowitz. For the latter half of her time there, she was solely focused on the early stage ecosystem.

Morgan graduated from Cornell University with a bachelors in Statistics and Information Science.

Morgan is the Chief Operating Officer for Global Consumer Banking, based in New York. In this role, she is collaborating with Citi’s regional consumer businesses to accelerate delivery of strategic objectives, including partnering with Citi’s Institutional business and clients, accelerating global digital strategy, sharing best practices globally, delivering best in class analytics and identifying strategic payments opportunities.

Nat Sakimura is a well-known identity and privacy standardization architect at NAT Consulting and the Chairman of the Board of the OpenID Foundation and MyData Japan. Besides being an author/editor of such widely used standards as OpenID Connect, JWT (RFC7519), JWS (RFC7515), OAuth PKCE (RFC7636) ISO/IEC 29100 Amd.2, and ISO/IEC 29184, he helps communities to organize themselves to realize the ideas around identity and privacy.

As the chairman of the board of the OpenID Foundation, he streamlined the process, bolstered the IPR management, and greatly expanded the breadth of the foundation spanning over 10 working groups whose members include large internet services, mobile operators, financial institutions, governments, etc.

He is also active in public policy space. He has been serving in numerous committees in the Japanese government and also advising OECD’s Working Party on Data Governance and Privacy in Digital Economy as a member of the Internet Technical Advisory Committee (OECD/ITAC).

Naveed Sultan is a Managing Director and Chairman of Citi’s Institutional Clients Group. With over 30 years of institutional banking experience, Mr Sultan has been at Citi for over 26 years in a range of increasingly senior roles and is currently responsible for leading the digital policy, strategy and advisory practice across all client segments. This practice advises governments in their development of policies to digitize their economies including their financial systems. It also provides guidance and thought leadership to corporates and financial institutions to transform their businesses and operating models to stay relevant in an increasingly digital world. In this role, he also engages in driving the developing markets strategy for Citi.

Mr Sultan is a member of the Operating Committee of the Institutional Clients Group. He chaired the Global Innovation Council for Treasury and Trade Solutions with direct responsibility for its Innovation Centres in Dublin and Singapore.

Mr Sultan is currently serving as the member of Imperial Business School Advisory board. He has previously served as the elected chair on the Transaction Banking Global Leaders Group and served on the boards of Citibank Europe plc, Citibank A.S.,Turkey, LCH.Clearnet and Smart London Board; an advisory board to the Mayor of London. He led the development of Digital Money Index, Digital Money Symposium and the Centre of Global Finance and Technology with the Imperial College. Mr Sultan also led the establishment of The Centre for Responsible Leadership at Imperial. He is an advisor to both centres.

Mr Sultan holds an M.S. in Management from M.I.T’s Sloan School of Management as well as an M.B.A. from the Institute of Business Administration, Lahore.

Nelson Phillips is Professor of Innovation & Strategy, Co-Director of the Centre for Responsible Leadership, and the Associate Dean of External Relations at Imperial College Business School. Professor Phillips’ research interests cut across strategy, innovation and leadership, and he has published widely for both academics and practitioners. He is the co-editor of Innovation: Management and Organization, sits on the board of governors of the Academy of Management, and is on the advisory board of the Society for the Advancement of Management Studies. Professor Phillips teaches leadership, strategy and digital business on the MBA and EMBA programmes at Imperial, as well as delivering executive education for a wide range of corporate clients.

Nic is a general partner at Castle Island Ventures, a Cambridge, MA-based venture firm investing in startups in the public blockchain industry, and the cofounder of Coin Metrics, a blockchain analytics firm. Previously, he served as Fidelity’s first cryptoasset analyst. Nic holds an Msc Finance from the University of Edinburgh and a BA in philosophy from the University of St Andrews.

Nicola Yiannoulis is a Senior Policy Expert on Digital Finance at the European Banking Authority. She has been at the EBA since inception and has led the EBA’s work on IT risk since 2015 working on cloud, cybersecurity and financial innovation. She is currently serving as the Chair of the EBA subgroup on Innovative Products.

Prior to the EBA, Nicola worked at the EBA predecessor – Committee of European Banking Supervisors and the UK Financial Services Authority. She has a degree in European politics from the University of Southampton and an MSc (Distinction) in International Finance from CERAM Sophia Antipolis, European Business School.

Ms. Nicole Reich de Polignac is an executive with over 30 years in the financial sector both in Mexico and Latin America. Currently she is Chief Executive Officer for BNP-Paribas Cardif Mexico since 2014. She is also an independent board member in a few companies in Mexico and abroad. Previous to her current role Nicole served as the Chief Executive Officer and President of Grupo Financiero Scotiabank Inverlat S.A. de C.V. from 2007 to September 2012 and Vice President of the National Banks association in Mexico. She was an Executive Vice President of Scotiabank Since April 2010. She joined Scotiabank in 2005 after a long tenure at Citigroup where she held various senior roles in several Latin American countries, including General Manager and CEO for Peru, Chile and Dominican Republic. She has a Master in Business Administration degree from Instituto Tecnologico Autonomo de Mexico and a bachelor degree in Computer Science from The Instituto Tecnologico y de Estudios Superiores de Monterrey. She is also a graduate of the Executive Program at the Kellogg Graduate School of Management and The Corporate leader program at Harvard School of business.

Odunayo Eweniyi is the co-founder & Chief Operations Officer, PiggyVest, the largest digital and investment platform in Nigeria. She previously co-founded pushcv.com, one of the largest job sites in Africa with the largest database of pre-screened candidates. She has 5 years’ experience in Business Analysis and Operations. She’s an award winning fintech entrepreneur who is working for diversity equity and inclusion in fintech and technology as a whole.

As the COO of Piggyvest, she oversees the company’s entire operation which cuts across Finance, Invesment Management, People Operations, Investor relations, Fundraising and related subcategories.

In January 2021, Odunayo cofounded First Check Africa, a female-led angel fund that invests “ridiculously early” in women in African tech to make it easier for them to raise venture-backed capital and invest in technology startups.

She is a board member at Village Capital, the most active supporter of impact-driven, seed- stage entrepreneurs in the world. She was featured on Bloomberg Business Weekly’s 2020 Bloomberg50 list, an annual list of innovators, entrepreneurs, and leaders who have changed the global business landscape over the past year.

She is also a 2021 TIME100 Next honoree. She was named one of Forbes Africa 30 under 30 Technology in 2019 and one of 30 Quartz Africa Innovators 2019.

In 2020, She cofounded The Feminist Coalition, a group of young Nigerian feminists who work to promote equality for women in Nigerian society, with a core focus on education, financial freedom and representation in public office.

Olivia is an Equity Salesperson in Citi based in Hong Kong with diverse background of Regional and Global Equities. Clients include high profile hedge funds and long-only institutional investors across the region.

Olugbenga GB Agboola is the Founder and CEO at Flutterwave, a Payments Technology Company committed to growing businesses in emerging economies. A serial entrepreneur with two exits under his belt, GB has over 15 years of experience in building scalable financial technology firms.

GB has been instrumental in leading the development of Fintech solutions for several organizations and financial institutions such as PayPal, Standard Bank and Google, among others. His last Fintech venture focused on easy Alternative Payment Methods and was acquired by a top bank in Nigeria.

GB’s software engineering background and expertise in enterprise architecture and payments got him the rare opportunity to work with institutions such as the Royal Bank of Scotland as a Business Entrepreneur and Africa Fintech Foundry as a Senior Entrepreneur in Residence.

Among GB’s well-rounded background includes Massachusetts Institute of Technology, the Wharton School of Management and the University of Westminster.

He has been named African Leadership Magazine's Young Business Leader of The Year (2020). GB has been recognized for his achievements in leadership and innovation by Fortune Magazine's prestigious 40 under 40 list and Time Magazine’s 2021 Next 100 list, respectively.

Omid Malekan is the blockchain innovation expert for Citi Ventures and an adjunct professor at Columbia Business School. A 7 year veteran of the crypto industry, he's the author of the book "The Story of the Blockchain: A beginners guide to the technology that nobody understands." His writing on crypto have previously appeared in the New York Times, Zero Hedge, Cointelegraph and Spectator magazine.

Ope recently joined the product development team focused on Trade Digital Capabilities and Transformation within Citi. He was formerly at the Citi Treasury Trade Solution (TTS) Innovation Lab in Dublin Ireland as an Innovation Catalyst, creating cutting edge solutions and products. He was also Blockchain lead of Citi’s TTS team. This includes idea generation, analyzing insights and proper problem hypothesis articulation via client and stakeholder engagement, development of new business models and eventual delivery/commercialization.

Ornit joined Citi Venture in March 2017 to lead its venture investment activities in Israel. Her focus of interest includes data FinTech and Enterprise. As part of her role she also manages Citi’s Global Innovation Labs external Innovation and Citi’s Accelerator. Ornit is on the advisory board of Copenhagen Fintech, Biocatch, Contguard, Silverfort and a board member in Access Fintech.

Prior to this role, Ornit ran External Innovation and Business Development for Lenovo in Europe and Israel. In this capacity she invested in Cloud technologies as well as Artificial Intelligence and biometric authentication. Prior to Lenovo, Ornit worked at Citi, where she founded and ran Citi’s first Accelerator. Prior to Citi, she founded and served in managerial roles in multiple companies.

Ornit founded Yazamiyot, Israel's leading women's entrepreneur network, and was selected by Haaretz (one of Israel's leading newspapers) as one of 66 Women You Should Know. Ornit, who clerked for the President of the Israeli Supreme Court, holds a joint honors degree in English Law and French Law from the London School of Economics and an LLM cum laude from the Hebrew University of Jerusalem.

Pavel Matveev is the CEO and co-founder of Wirex - an industry-leading blockchain-based payments platform that seamlessly integrates both traditional and cryptocurrencies. Pavel brings 15 years of experience in software development and IT management from his previous work at Barclays Capital, Morgan Stanley, BNP Paribas and Credit Suisse.

He is a firm advocate for the mass adoption of cryptocurrencies, and founded the company as a solution to the then complex and confusing process of buying crypto. He has published numerous articles in key international publications from City A.M. to Asia Times, and is a highly sought-after speaker at blockchain and payments conferences around the world, having spoken at Money 20/20 Europe, The Pay Expo, Shift Money and Finsum Japan on topics including cryptocurrency, fintech, business and the economy.

Pavel leads a team of over 200 dedicated and engaged employees, including over 100 highly skilled engineers and developers based in Kyiv. He is responsible for the high-level functioning and growth of Wirex, with a specific focus on new product development and platform evolution.

Pavel and his co-founder Dmitry Lazarichev brought Wirex to life in the UK in 2014, and has since expanded the service into Europe, Canada, Singapore, Australia, and New Zealand. The company currently serves nearly 3.5 million users in 130 countries and to date, the platform has facilitated over $5 billion in transactions.

Wirex has the support of large institutional and private investors, is backed by the SBI Group, and is on a significant growth path, aiming to expand further in APAC and North America. They place a strong focus on regulation and compliance, and were the first crypto-friendly company in the world to be granted both Mastercard and Visa principal membership.

Peter Christiansen is an Analyst with Citi Research, covering US Payments, Processors, and IT Services. Prior to joining Citi in 2016, Peter worked at UBS for 4 years covering IT Hardware and Services. Previously, Peter had been with BofA Merrill Lynch for 12 years working in several roles including Equity Derivatives Research and covering the Alternative Energy space.

Peter earned a Bachelor’s in business administration from Villanova University in 1999 and has achieved the Chartered Market Technicians (CMT) and Chartered Financial Analyst (CFA) designation.

Peter advises on Technological Innovation, Digital Transformation and Cybersecurity at the European Commission’s Directorate-General for Financial Stability, Financial Services and Capital Markets Union. He has led work on the European Commission’s Fintech Action Plan and Co-chairs the European Commission’s Fintech Taskforce. He has extensive experience and expertise in EU policy and regulation covering financial services, digitalisation, security and consumer protection. Earlier in his career the Peter was Finance Counsellor at the EU Embassy in Washington DC. He has also been a member of the private offices of the commissioner for the internal market and services and the commissioner for health and consumer protection. Before joining the European Commission, Peter advised major financial services companies on EU regulatory affairs. He is a Dutch national and holds master degrees in European affairs and political science from the College of Europe in Bruges and the University of Leuven, Belgium.

Digitalization and Innovation are key themes in APG AM strategy, to be a leading global long term responsible investor. Peter Strikwerda is responsible for these strategic agenda’s and execution, with key focus on transforming the organization in terms of people, processes, data, technology.

Peter joined APG Group in 2013 and APG Asset Management in 2017, after a career in (strategy) consulting within Financial Services and working at Rabobank and ING, a.o. heading internal strategy and analytics departments. He has been involved in the APG Group innovation and organization since the early conception in 2015.

Peter holds a University degree in Business Administration.

Reuben Lai is the Senior Managing Director, Co-head of Grab Financial Group that spans across payments, lending, insurance and retail wealth management services.

He is passionate about leveraging his experience as founder of multiple technology businesses to empower people with financial services to learn, earn and save more towards their dreams.

At Grab, Reuben has launched multiple successful businesses, including a car leasing platform, Grab for Business, and Grab Ventures. He was also the Chief of Staff to Grab’s CEO.

Before joining Grab, Reuben was a co-founder and CEO in a telemedicine start-up. Prior to that, he was at The Walt Disney Company, driving corporate strategy and business development. He was also previously a management consultant at Bain.

Reuben holds a Master of Business Administration (MBA) from INSEAD.

Employed as Chief Executive Officer at Avanza Bank Ab since November 2017. Avanza operates in Sweden as the leading platform for savings and investments, and has the most satisfied savings customers for eleven consecutive years. Prior to this role at Avanza, Rikard was CEO of Länsförsäkringar Bank for six years and has more than thirty years of experience from leading positions in the Nordic financial services group, SEB, such as CEO of SEB Finans and Deputy head Retail Sweden.

Other assignments: Board member of SwedSec Licensiering AB

Education: Bachelor’s degree, Stockholm University

Robert Lamb is a Vice President within Citi Research covering the European Technology sector including Fintech and Payments. Before joining Citi, Robert covered stocks in several sectors for Berenberg's Thematics team (including digital healthcare and agriculture technology) and covered the European technology hardware and semiconductor sector at Jefferies. Before working as an investment analyst Robert was a mobile software developer.

Ronit Ghose is Global Sector Head for Banks Research, Co-Head of the FinTech Group and Head of MENA Research for Citi.

Ronit is the lead author of Citi's GPS Bank of the Future and FinTech report series - the first edition has had more than 350,000 downloads making it the most read report ever published by Citi, and one of the most read FinTech reports ever published. Since joining Citi in 1997, Ronit has covered banks in the Americas, Asia and EMEA. He is also an Advisory Board Member at the Centre for Finance, Technology and Entrepreneurship.

Ronit previously worked at the British Bankers’ Association and as a research assistant in Parliament. He has an undergraduate degree from the University of Oxford, a postgraduate diploma from University of London and is a CFA charterholder.

Sandy Kaul is a Managing Director and the Global Head of Business Advisory Services—a part of Citi’s Global Investor Sales and Relationship Management team.

Business Advisory Services (BAS) conducts primary research across investors and investment managers and publishes data & analytic pieces as well as thought leadership around how the industry is evolving and what constitutes best practice. The findings of this thought leadership are used as the foundation for consulting services that help individual clients address gaps or problem areas in their own organization and are offered as an added value to Citi clients and prospects.

Sandy has been with Citi since 2009, returning to the firm after originally starting her career there in 1985 as a Futures research analyst covering the Softs commodity markets with Citi’s predecessor firm, Shearson Lehman Brothers. She left in the mid-1990s to become a Commodity Trading Advisor (CTA) and portfolio manager with Commodities Corporation/Goldman Sachs Asset Management. After managing money for nearly 6 years, Sandy shifted her attention to consulting where she led the strategy practice within the Financial Services division of the renowned dot.com firm, Scient, and then went on to become a partner at the capital markets niche management consulting firm m.a.partners/Detica where she worked with hedge funds and asset managers as a client base while performing work with 8 of the top 10 investment banks globally.

Sean Puhalovic has 23 years of service to the Federal Government, serving the last seven years as a Special Agent with the FBI New York Joint Terrorism Task Force working international and domestic terrorism in New York City. Special Agent Puhalovic was recently promoted to Acting Supervisory Special Agent where he lead the effort to redesign squad CT-30 into the investigative experts for crypto and digital currencies and their use in terrorist financing. A/SSA Puhalovic and his team developed a proprietary tool for tracking and exploiting cryptocurrency in an effort to defeat terrorist financing activities through digital currencies and dark web market places. Through his program’s innovation initiatives and in collaboration with business and technology leaders across the Federal Government and private sector industries, FBI New York has successfully explored emerging technologies, assessed their impact on investigations, created prototypes, evaluated new concepts, and recommended new strategies and investigative solutions within the FBI enterprise and Department of Justice.

Sergio is a business management professional with a 15+ year career in corporate & project finance, currently focusing on embedded finance applications. Partnering with fintechs, Sergio currently spearheads efforts to set up closed-loop financing mechanisms for retailers in the "traditional channel" of Fast Moving Consumer Goods companies.

Sergio Furio is the Founder & CEO of Creditas, the leading secured lending platform in Brazil. With 1,800 employees, Creditas is one of the top fintechs in Latam and a reference in innovation and talent management. Backers include Softbank, Kaszek, Redpoint eVentures, Vostok Emerging Finance, QED Investors, IFC, Quona Capital, Santander Innoventures among others. Using the customer properties, Creditas reduces the high interest rates paid by the Brazilian population. Before founding Creditas in 2012, Sergio was an executive at The Boston Consulting Group and Deutsche Bank's investment bank.

Shobhit is Director of Markets and Securities Services transformation at Citigroup, where he has incubated a number of capital markets blockchain initiatives. As a blockchain evangelist at Citi, Shobhit has collaborated with other Citi businesses and driven engagement with clients and fintechs on blockchain. Shobhit has a broad based experience in financial services spanning strategy, corporate development, capital markets, market risk, market infrastructure and corporate banking, and started his career as an open source software developer. Shobhit holds an electrical engineering degree from Indian Institute of Technology Madras and an MBA from IESE Business School and London Business School.

Shruti is a Partner and the Head of Fuse, Allen & Overy’s tech innovation space which opened in September 2017. Fuse’s philosophy is to identify legaltech, regtech and dealtech companies relevant to A&O lawyers and their clients and to find ways to start working together.

Prior to launching Fuse, Shruti was a Counsel in the Derivatives and Structured Finance group.

Outside of Allen & Overy, Shruti has three children and used her most recent maternity leave to undertake the FT Diploma in Non-Executive Directorships and a 3 month course for entrepreneurs at Google Campus, as well as being selected to partake in the Judicial Support Scheme (aimed at increasing diversity in the judiciary). She is a governor at the Haberdashers' Aske's Schools in Elstree, on the Fundraising Committee of Noah's Ark Hospice and a TEDx speaker. She also manages a sector-agnostic portfolio of private investments and appeared on both series of BBC 2’s “Million Pound Menu” as a restaurant investor.

In 2019, Shruti won the Asian Women of Achievement Award (Professionals category), and appeared on the HERoes Role Model List and the Financial Times List of the Top 10 Legal Intrapreneurs. In 2018, Shruti was awarded a TechWomen 50 Award and a Fastcase 50 Award and was also included in the following lists: Lawyer’s Hot100, Brummell Magazine’s 30 Inspirational Women, Management Today’s Power Part Timers, the Inclusive Boards 100 most influential BAME leaders in UK and Innovate Finance’s Standout 35 Women in FinTech."

Sibongile is a Vice President in Equity Sales. She manages a diverse book of institutional clients across South Africa. Her role is client facing and requires her to keep up to date with market trends, carry out data analysis, and advise clients regarding efficient execution of strategies. Her clients include a mix of hedge funds and long-only investment fund managers.

She has been at Citi for 7 years, her role has evolved from being on the CIMA graduate program, to being a specialist in Equity Sales Trading and to currently heading up the Equity Sales desk in South Africa.

Sibongile holds a Bachelor’s Degree in Economics and Econometrics from The University of Johannesburg and a PMD from GIBS. Sibongile has also completed her JSE regulatory exams.

She is passionate about leading change, this is demonstrated by her involvement as Co-Chair of Citi Women’s Forum (2017) and Emerging Leaders Advisory Forum (2019) and as the current Chairwoman of the Employment Equity Forum and Co-Chair of Citi Roots Network.

Sibongile enjoys travelling, art and horse riding.

Previously at Barclays, he established the bank as one of the leaders in blockchain and setup the Barclays Techstars accelerator. Simon serves as an advisor to central banks and governments. For 11:FS Simon leads multiple client engagements and deliveries, recruiting world class teams to build products and services for financial services clients using a startup approach.

Sol Cates is the Principal Technologist, CTO and Senior Expert of Cloud and Cyber at Thales, where he leads advanced technology, architecture, and transformation teams. As a former CISO, CIO, architect, and hands-on innovator Sol has a unique perspective on how technology, people, process and governance impact how successful security teams can solve real-world problems. For 25+ years, Sol has worked directly with industry leaders, academia, open source, and global enterprises to solve industry problems, and is sought after as an advisor, and to speak publicly on a wide range of technology, regulatory, security, and strategy topics.

- “Never let a good problem go to waste”

Sophia Bantanidis is the Head of Regulatory Strategy & Policy within the Treasury and Trade Solutions (TTS) Innovation Lab. She joined on 1 February 2016 from Northern Trust where she managed a team as the EMEA Head of Regulatory Developments enabling the bank to commercialise regulatory change for clients as well as to comply with rules and regulations. She is on the Innovate Finance Women in FinTech Powerlist 2019, 2018 and 2017 and a finalist for Women in Finance FinTech Champion of the Year (2018 and 2019) and Disruptor of the Year (2019) categories.

Sophia stays actively involved in the broader global FinTech ecosystem, influences regulators as they formalise their innovation policy programmes, mentors FinTech and RegTech firms, actively represents Citi externally at key conferences / industry events and regularly briefs clients on the intersection of innovation, regulation and technology.

Sophia speaks 5 languages; she has worked at two financial services regulators (in France and in the UK), banks and asset managers in various business areas including derivative products strategic communications and risk. Sophia completed her European Baccalaureate in Karlsruhe (Germany) She holds an LLB in UK Law and German Law from University College London and from the University of Cologne as well as a Master’s Degree in European Business from ESCP Europe in Oxford and Paris.

Sophie has spent the last 10 years designing and executing the go to market of Banking-As-A-Service (BAAS) & Embedded Finance propositions in Europe including team and operation building.

She is currently the Chief Growth Officer of OpenPayd, a London-based BAAS company that has developed a unique corporate cross-border banking and payments offering with its global network of licences, strong partner ecosystem and a single access point to their services. In this role, she is looking after Marketing, Sales, Customer Success, Corporate Development with revenue oversight.

Before joining OpenPayd, she has made her marks as Head of Product Strategy and MD Europe at 2 European BAAS providers, Bankable and Fidor. She was also instrumental in launching HelloFresh in the UK, a Rocket Internet food subscription-based company that IPO’ed for 1.7BEUR in 2017.

Sophie seats on the Fintech Advisory Board of PayU, the fintech arm of public company media giant & Tencent’s largest shareholder, Naspers.

Within Citi, Tania assumes global responsibility for the marketing and communication of TTS’ Innovation Labs and Citi’s Digital Policy Strategy & Advisory practice. In addition, she drives programs in support of Citi’s digital money agenda. This has resulted in Citi’s Digital Money Index and Research and the Digital Money Symposium – all done in partnership with Imperial College London. Tania is on the Management Committee of Imperial’s Centre for Global Finance and Technology which was launched in 2016, as well as Imperial’s Centre for Responsible Leadership which was launched in 2020.

Prior to her current role, Tania was the Marketing Director within Citi’s Digital Strategy Group where she was responsible for the articulation and implementation of Citi’s Vision for Digital. Additional senior roles at Citi have included Marketing Head for EMEA’s Transaction Services Business and Global Head of Securities and Fund Services Marketing – where Tania spent five years in New York.

Before joining Citi, Tania was a Business Development Manager at Deloitte & Touche, where she worked with Partners to help secure new retained relationships for the Middle Market Group. She has also worked at Fidelity and AIA Worldwide, a high growth branding agency.

Tania is an alumnus of Citi’s Developing Talent Program, has a degree from Oxford Brookes University and was educated in East Sussex, England.

She is married with two children and benefits from Citi’s flexible working policy by currently working three days a week.

Tayo is the founder & Group CEO of Paga (paga.com). Paga is a mobile payment company, building an ecosystem to enable people digitally send and receive money as well as creating simple financial access for everyone. Paga is the leading mobile money service in Nigeria, its first market.

Prior to Paga, Tayo was Vice-President at Travant Capital Partners, a private equity fund in West Africa. Prior to joining Travant, Tayo was a Manager, Corporate Development, at Cisco Systems in San Jose California.

Tayo’s work at Paga has been recognized globally - in 2014 CNBC selected Tayo as the Entrepreneur of the Year West Africa, and in 2015 the African Leadership Network selected Paga as the outstanding growing company of the year in Africa. Tayo is an Endeavor Entrepreneur and a member of the Young Presidents Organization.

Tayo has a passion to help entrepreneurs bring ideas to life and build scalable businesses. He is an active angel investor and a co-founder of Kairos Angels, an angel investment club.

Tayo earned his Bachelor of Science degree in Electrical Engineering, cum laude, from the University of Southern California and also has a Masters in Business Administration from the Graduate School of Business, Stanford University.

Todd Moore is a respected cybersecurity professional, with over 28 years' experience in helping organizations protect their most sensitive data.

In his role as Vice President of Encryption Solutions, Todd drives strategy for the company's data encryption portfolio – bringing together a set of well-known security brands (SafeNet, Vormetric and Thales eSecurity) together, into a single data protection business line that addresses existing and new customer needs.

Todd joined Thales through a series of acquisitions from his prior roles; these predominantly entailed product leadership positions for both SafeNet and then Gemalto. He had already gained deep understanding of security challenges and technologies within the defence industry, having spent almost two decades with Harris Corporation. Over his career, Todd has a proven track record of developing business cases and market analysis for new security products and delivering them to market. He routinely develops strategies for new product development and execution, as well as negotiating strategic relationships and alliances.

With a rich combination of technology, product and customer understanding, Todd has frequently offered insights and commentary to media on topics such as hybrid cloud, encryption and cryptographic agility. Recent media contributions include the likes of IoT Now, Finextra and BankInfo Security.

Tom is the Chief Innovation Officer with responsibility for growing and championing SWIFT’s innovation capabilities. He joined in January 2020, and is charged with driving new growth opportunities across the company and in collaboration with the SWIFT Community and partners.

Prior to joining SWIFT, he was the Chief Information Officer at CLS Group based in London where he was responsible for the technology function and for further developing the organization’s technology vision. He served on the Executive Management Committee at CLS. Prior to CLS, he was the Chief Information Officer for LCH.Clearnet, one of the world’s leading multinational clearing houses. Tom worked for more than twenty years in several investment banks including Bank of America / Merrill Lynch as Head of Rate and Currencies Technology and at Barclays Capital as Managing Director inTechnology and Global Head of Equities, Prime Brokerage and Client Technology.

Tom studied Computer Science and Finance from California State University Sacramento and earned an Executive MBA from TRIUM.

Tony McLaughlin is responsible for Emerging Payments and Business Development in Citi’s Treasury and Trade Solutions (TTS) business. Tony is responsible for the TTS Ecommerce proposition and is deeply involved in new methods of payment, Distributed Ledger and Fintech engagements. He joined Citi in 2004 and has been Core Cash Head for Asia Pacific based in Hong Kong and the Global Transaction Services Head for the United Kingdom, spearheading Citi’s engagement with large public sector clients and payment aggregators. Tony was responsible for the design and development of ABN AMRO’s Third Party Continuous Linked Settlement (CLS) offering, core electronic banking platform and transactional FX solution. At HSBC Holdings, he fulfilled a global strategy role for the Payments and Cash Management business. Before that he was a Senior Product Manager for Barclays Bank with responsibility for electronic collections products including International Direct Debits.

Tope is a Nigerian immigrant who grew up in the United States and studied Engineering. Before founding Afriex he worked as a blockchain engineer at various companies including IDEO, and Consensys the world's largest blockchain consulting firm.

While traveling around Africa in 2019 Tope would often find himself having to pay for expenses with money that was sitting in his US bank account. Traditional remittance products took so long and were so expensive that he knew I could do it better with crypto

TS is a highly respected financial services and payments leader, with over 25 years of retail banking experience. As Monzo's CEO, he brings his expertise from Visa, Standard Chartered, Citigroup and Capital One in roles that have spanned the world, including the US, Singapore, Canada, Japan and India. He has a wealth of experience launching new products, developing innovative payment technologies, transitioning existing business towards new growth opportunities and much more.

Tui Allen is the Senior Product Lead for Banking at Shopify, where she oversees financial solutions for entrepreneurs and businesses.

This includes Shopify Capital, which provides merchants with timely access to funds to help their businesses grow, simplifying the tedious processes found at traditional banks. Since its launch in 2016, Shopify Capital has provided more than $1.7 billion in funding to merchants worldwide.

She also leads the team developing Shopify Balance, which will provide merchants with a card and banking experience that is seamlessly connected with their Shopify store.

For the past twenty years, Tui has worked in software and product management, and has a proven track record of building and scaling fintech solutions. She is a graduate of the University of Georgia and lives with her family in Charleston, South Carolina.

Vanessa Colella is Citi’s Chief Innovation Officer (CIO), Head of Citi Ventures, and Head of Citi Productivity. She is focused on harnessing the power of Citi to help people, businesses, and communities thrive in a world of technological, behavioral, and societal change.

Before assuming the role of CIO, Vanessa led venture investing and D10X for Citi Ventures, and previously ran marketing for Citi’s North American Consumer Bank. She joined Citi in 2010 from U.S. Venture Partners (USVP) after having held senior roles at Yahoo and McKinsey & Company.

Vanessa received her masters’ degrees from Columbia University and M.I.T. as well as a Ph.D. from M.I.T.’s Media Lab. She holds an S.B. degree in molecular biology from M.I.T. and currently serves as a member of the Corporation’s Visiting Committee for the Media Lab.

Vira-anong Chiranakhorn Phutrakul, was appointed to the position of Consumer Business Manager, Global Consumer Group, Citi Thailand in November 2015. In this role, she is responsible for all the consumer products and offerings to the retail customer base. The Consumer Banking franchise has over one million customers with Cards, Credit Lines, Loans, Retail Banking products and related services.

In 2016, Vira-anong was elected to the Board of Governor for the American Chamber of Commerce in Thailand, and served as Vice President during her term which completed in 2018.

Up until 2010, she was the Global Transaction Services Head and Commercial Bank Head in charge of the transactional banking products covering Cash Management, Trade Products, and Securities Services for corporate clients. Her role also covered relationship management for all other products for the multinational, local commercial, financial institution and public sector names.

Vira-anong joined Citibank in Thailand in 1994, and first worked in the Corporate Finance department. She moved to Securities Services in 1995 as Head of Account Management, and was subsequently appointed as the Securities Country Manager for Thailand. In 2000, she relocated to Hong Kong as Regional Clearing Product Manager – Asia, and in 2001 she took on the role of Securities Country Manager for Hong Kong and China. In November 2002, she returned to Thailand and assumed the role of Global Transaction Services Head as well as Commercial Banking Head.

Vira-anong received a Bachelor of Arts in economics and accounting from Scripps College, Claremont, California, and an MBA in finance, accounting and international management from Boston College, Boston, Massachusetts.

Wale Ayeni has over 18 years of global technology experience spanning several roles including microprocessor & chip design, product development, entrepreneurship, tech investment banking, financing and venture capital. He currently co-heads IFC’s direct venture capital investment across frontier markets globally with an AUM of over US$1.2bn. Prior to that, he led and helped build the Venture Capital practice of the organization in Africa. He’s invested in some of the fastest growing tech companies in Africa.

Prior to the IFC, Wale was part of the original team at Orange in Silicon Valley that led investments into disruptive startups across various sectors including Fintech, Big-Data, Mesh Networks, Blockchain and Virtual Reality. Wale started his finance career with J.P. Morgan’s Technology Investment Banking group in San Francisco where he successfully executed over US$12bn worth of closed transactions spanning M&A to IPOs for large-cap technology clients.

Wale started his career as a microprocessor design Engineer with Intel Corp. where he led critical aspects of Intel's ""CSI"" chip architecture - the biggest micro-architecture change in Intel's history. He also led aspects of the very first ""Snapdragon"" chipsets working at Qualcomm Inc.’s chip design center enabling the initial smartphone designs.

Wale has an MBA from Dartmouth College, and his Bachelor’s degree with distinguished “Red diploma” from Moscow University in Russia. He is a Kauffman Venture Capital Fellow, a recipient of the top global 100 Rising Stars award in Corporate Venture. He sits on the Dartmouth Tuck EMEA council, and advisory boards of several venture funds in Africa.

Walter de Oude is the Group CEO of Singlife, a Singapore-based digital insurer that aims to unlock the potential of money by making financial services more convenient, transparent, accessible and affordable. With Singlife’s merger with Aviva Singapore, Walter de Oude has been appointed as Deputy Chairman of Aviva Singlife, the combined entity’s Singapore licensed insurance business, to raise the bar in providing superior financial products, professional financial advice and mobile-first customer engagement.

Prior to founding Singlife, Walter held a range of roles at HSBC Insurance (Singapore) from Chief Actuary and Head of Products, Deputy CEO and CEO for nearly a decade with the global insurance conglomerate. With an illustrious career in insurance and actuary across Asia, Walter has a deep understanding of the insurance landscape and has made it his life mission to make insurance and wealth management more accessible through cutting-edge digital technologies. His passion as a leader and an entrepreneur landed him the award of ‘Outstanding CEO of the Year 2018’ at the Influential Brands 2018 CEO Asia Summit and was recently named by Business Insider as one of the 100 People Transforming Business in 2020.

Will McLane is the Global Vice Chairman of Financial Institutions and a Vice Chairman of Asia Technology.

He covers large financial institution and technology clients primarily in Asia, and leading the Asia Pacific Financial Institutions corporate and investment banking business. 

He oversees the investment banking activities in a number of sectors including oil and gas, metals and mining, power,  healthcare and real estate.

From 2012 to 2016, Will was the Corporate and Investment Banking Head of the ASEAN region for Citi.

Prior to joining Citi, Will spent more than 15 years with Morgan Stanley in Asia, where he was most recently a Managing Director and Head of the Financial Institutions Group, Asia Pacific.

Will has worked extensively with companies focused on inclusive finance throughout the region as well as being a leader in the regional roll-out of the marketing of ESG financing products at Citi in Asia.

William started his career in the engineering field working in construction, project management and mining. He holds an MBA from the University of Wales, a Bcom Law Degree from the University of South Africa and a Diploma in project management. Will has been with Citi for the past 10 years and has held a number of roles within Citi's network, most recently as the Treasury and Trade Solutions head in South Africa.

In March 2020, Will joined the West Coast team as an emerging payments and business development director working with Citi's west coast clients to deliver the network of the future.

Yoni Assia is the CEO of eToro, the world’s largest social investment network. Yoni founded eToro in 2007 with the vision of opening the global markets so that everyone can trade and invest in a simple and transparent way. Today, the platform has over 18 million registered users from over 100 countries and enables people to invest in the assets they want, from stocks and commodities to crypto assets.

Yoni showed an interest in finance and computer science from his youth and so decided to merge his passions. It was this very passion along with the social revolution, which led to the founding and development of eToro’s investment network, where users connect, share, trade and invest in the world’s financial markets.

Yoni is a member of the YPO and was included by Financial News in its Fintech 40 ranking and their Rising Stars in Asset Management ranking. He was also listed in Fortune’s 40 under 40 and in City A.M’s fintech 100 top influencers.

Yoni holds a B.Sc. in Computer Science and Management and an MSC in Computer Sciences.

Zac Maufe is the Head of Retail Banking at Google, bringing over 20 years of banking experience to the role which is focused on transforming banking around the world using the power of Google.

Prior to Google Zac had several leadership roles at Wells Fargo most recently being EVP and Head of Corporate Strategy, Digital Channels and Innovation. Other roles at Wells Fargo included being the Chief Data Officer as well as strategy leadership roles in cyber security, enterprise customer experience, consumer lending, and technology and operations.

Before joining Wells Fargo, Zac worked in Asia for HSBC and co-founded Fang Da Investment, a boutique private equity firm in Taiwan.

Zac is based in San Francisco.