Speakers

Biographies

Damon Roberts, Chief Technology Officer, Atom Bank

Damon has over 20 years experience of leading large scale business and technology change initiatives. He is trusted by clients to lead mission critical delivery transformation programmes and has successfully implemented some of the largest and most complex banking migrations and integrations in Europe. Damon has functional and technical expertise in both Retail and Commercial banking with particular specialist knowledge in Core Banking and Credit Cards. With a reputation for turning around struggling programmes his track record is one of delivering on his commitments. Damon has extensive experience of working with C-level Executives on their most business critical programmes leading teams, in excess of 850 FTE, to success.

Ian Goldsmith

Ian Goldsmith drives product and market strategy for Akana API management.  He focuses his energies on digital innovation and technology adoption in large enterprises, having successfully completed several cryptography and secure messaging projects with U.S. and international defense and intelligence agencies.  He holds a master’s degree in computer science from Cambridge University and is a frequent speaker and panelist at technology conferences

Raul Lucas Alcaraz, Spain Country Manager - Open APIs, BBVA

Product leader specialized in software development for financial entities. Without an specific technology education, since I discovered this sector 10 years ago in Accenture, I have been focused to target my career over technological projects management. In the last months I have had the chance to lead the Open APIs initiative in BBVA Spain, where we manage to meet technological innovation with digital entrepreneurship, letting me to integrate my main professional interests.

Edward Maslaveckas, CEO & Co-Founder, Bud Beta

Edward Maslaveckas is the Co-founder and CEO of Bud. Ex-Salesforce ‘All Star’ turned FinTech professional, with a background in econometrics. Edward has been building Bud’s award winning platform over the past two years. He wants everyone to have access to right financial products, making the financial world work for them.

Bud is the Open Banking Platform, putting customers at the centre of the financial world. Open banking creates many opportunities for both customers and institutions to thrive; Bud is creating new experiences through fostering collaboration within its platform and partner ecosystem. Bud will bring a truly one-to-one relationship back into digital banking.vBuilt on the pillars of financial inclusion and literacy, Bud believes being smart with your money should be effortless. Winner of the 2017 British Bank Award for Innovation of the year, Bud’s mission is to bring the benefits of open banking to an international audience.

Will Beeson, Head of Operations & Innovation, CivilisedBank

Over the past 24 months a team of committed and experienced individuals has been put together, a business plan developed, regulators engaged, and funding secured to bring a more CivilisedBank to the UK market; fair and transparent using the best technology to enable highly effective one-to-one relationship banking with customers, through a UK-wide network of Local Bankers. CivilisedBank is targeting an industry beating cost-to-income ratio enabling the bank to pass on the efficiencies of the model to customers and shareholders. Now is the time to make banking more Civilised, for all.

Sam O'Connor, Co-Founder and CEO, Coconut

Sam O’Connor is the Co-founder and CEO of Coconut  the UK’s first bank account for freelancers and self-employed people. Sam’s first fintech startup, ProConfirm, was a platform connecting banks with accounting firms to share data about clients. ProConfirm was acquired by Confirmation.com in 2014 where Sam led growth, implementing a co-branded platform with the BBA and building a network of over 50 UK banks. After leaving ProConfirm sam went freelance and found money management hard, despite working for 4 years as an accountant at PwC. He launched Coconut to support the booming self-employed workforce with the stresses of tax, keeping expenses and getting paid on time. Coconut is an open banking platform so customers can share their data with other money management tools like accounting packages to create a seamless experience.

Ronny Khan, Business Development & Digitalisation, DNB

Mr. Ronny Khan works as an innovation expert within new and emerging technology at DNB. He has previously worked as an innovation expert within innovation and business development and within the IT organization responsible for online security solution and fraud combating.  Mr. Khan has spent a significant effort on understanding and evangelising to the organization at all levels about the risk and opportunities related to PSD2 and open banking,

He has been privileged to have held several international speaker appointments within a diverse range of subjects over the years.

Mr. Khan has an extensive previous background from working with Carding, Banking and Telecommunication internationally as well as an academic and defence related background.

 

Faith Reynolds, Panel Member, Consumer Panel

Faith is an independent consumer finance expert. She is a member of the Financial Services Consumer Panel where she chairs the EU Working Group and is the lead for technology and innovation. She is also a member of the Payments Strategy Forum and acts as the Customer Representative on the Open Banking Implementation Entity Steering Committee.  Faith recently authored the report, ‘Open Banking: A Consumer Perspective’.

Previously, Faith has been a member of ESMA’s Financial Innovation Standing Committee Consultative Working Group, as well as CILEX’s Strategic Risk Committee. Between 2010-2012 Faith pursued the Clore Social Leadership Programme, undertaking research into Big Society while based at the Institute for Government and more recently helped the Institute look at how it creates impact.

Faith was a member of HM Treasury’s Financial Inclusion Taskforce, advising Government on its financial inclusion strategy. She led the development of Toynbee Hall’s financial inclusion work, setting up Services Against Financial Exclusion in 2002 and Transact (a cross-sector membership body) in 2004.

Roger Vincent, Strategic Consultant, Equifax

Roger joined the Equifax business in 2010 and currently works in the Data and Analytics function, specialising in the delivery of new and innovative solutions for the banking and financial services sector.

Roger has a background in credit risk analytics across both the retail banking and credit bureau space, and has a detailed knowledge of risk management practices within the consumer and commercial lending environments.

Brian J. Costello, CISO, Envestnet | Yodlee

Brian is the Chief Information Security Officer for Envestnet | Yodlee.  Prior to that he ran successful consulting practices delivering IT-based solutions to global clients engaged in a variety of markets, including financial services, media and manufacturing.  Brian believes passionately that security and risk management are enablers of responsible innovation.  At Yodlee, Brian engages with clients, regulators and industry to champion security and privacy by design, effective regulation and focusing on the positive outcomes as well as the challenges associated with the financial technology ecosystem.

Stefan Weiss, Head of APIs, Fidor

Stefan Weiß is Fidor’s expert in API and Banking Platform. Stefan has a broad experience spanning from social games, monetisation, virtual worlds and banking which inspire Stefan to drive Fidor’s API and Banking Platform strategy. Prior to joining Fidor’s product team, Stefan originated strategic initiatives around payments and banking within the Fidor group. He is the expert when it comes to discussing open banking and the forthcoming PSD2 directive. He started his career as an internet entrepreneur and advisor providing B2B Internet access services, and creating platforms such as the renowned pizza.de. Stefan is graduated in Information Technology and Innovation Management from universities in Munich and London.

Quotes from Stefan Weiss include:

  • “PSD2 and Open Banking UK is a great opportunity for IT departments to restructure their technology”
  • “The most important success factor for turning PSD2 into a success is not technology but the right mindset and strategy.”
  • “Compliance is much more than APIs. Liability is the biggest challenge for banks.”

“Fintechs will not be a threat to incumbent banks but an inspiration in terms of user centricity and efficiency.”

Dan Turnbull, Head of Competition in Banking Services, HM Treasury

Dan Turnbull is Head of the Competition and Banking Services Unit in HM Treasury. He is responsible for banking competition, payment systems and services, and FinTech. He has been in his current post since October 2014. Prior to this role, he has worked on mutual financial institutions, competition policy and growth issues within HM Treasury. Dan holds a first degree from the University of Oxford, and a Masters and PhD from the University of London

Garreth Cameron, Group Manager, Business & Industry, ICO (Information Commissioners Office)

Garreth works with businesses, industry representatives and government to ensure individuals’ privacy is respected by private sector organisations. He is responsible for communicating the ICO’s policies at a strategic level to help businesses make sense of data protection requirements and regulatory expectations. Much of Garreth’s work is with the financial, technology, utilities and telecommunications industries. He is particularly interested in the impact the emergence of the information society has had on businesses, consumers and regulators. Garreth also has a role in leading high profile data protection cases involving the private

Gavin Littlejohn, Fintech Stakeholder Group Convenor, UK Open Banking – Implementation Entity

Gavin is a repeat Fintech entrepreneur and has developed business models that use transactional banking data since 2005. Frustrated by market conditions, Gavin led the campaign and movement for Open Banking and was pivotal in getting HMT to press for account aggregation as part of PSD2. Gavin is the Chairman of the Financial Data and Technology Association and is the Fintech Stakeholder Convenor on the Open Banking Implementation Entity.

Stephen Smith, Director, Competition & Regulatory Strategy, Lloyds Banking Group

John Salmon, Partner, Hogan Lovells International LLP

John is a highly experienced IT lawyer with a market leading reputation in the financial services sector.  His main focus is advising financial institutions on their strategic IT projects and he supports his clients in implementing innovative digital and technology solutions whilst managing legal and regulatory risk. John has a reputation as a lawyer in the FinTech area and has been heavily involved with leading edge developments. John has been actively involved in developing industry-wide solutions for electronic data exchange issues.  He worked on both the Origo Legal Framework and TISA Exchange, which was established to facilitate the electronic re-registration of assets and portfolios between platforms. John has considerable wealth platforms experience, having advised several major life companies on the procurement of their wrap and corporate platforms and outsourcing of related services. In addition, John has extensive experience of drafting and negotiating both customer and supplier IT services contracts, including for development projects, software licensing, cloud, and systems integration.

Johan Lorenzen, Former CEO, Holvi

Johan is a fintech executive, board member, strategist, angel investor and advisor. He has extensive experience in building, financing, executing and internationalising highly scalable technologies and business models. He is currently pioneering fintech, and previously led the European build out of Holvi.

Hetal Popat, Programme Director & Head, CMA Open Banking, HSBC

Hetal is a Programme programme director & Head, delivering the Competition & Market Authority’s required digital changes for HSBC’s retail and SME clients. Responsible for ensuring digital investments made for the regulatory programme are commercialised for the benefit of HSBC’s clients and business. Experienced commercial leader with extensive sales and business development experience in B2B environment. During my sales days at Barclays I targeted both large corporate and commercial (SME) segments, across FinTech, business services and ditial payments clients. Previously a strategy consultant with experience in consulting across retail, FMCG, telecoms and FS, followed by in-house experience within the Barclays Group – most recently as Head of Strategy and Planning within the UK Retail Bank. Hetal joined Lloyds Commercial in Transformation in order to bring together his strategy and commercial experiences to drive business change and development.

Chris Gorst, Prize Lead - Open Up Challenge, Nesta

Chris heads up the Open Up Challenge, bringing his professional experience spanning the public, commercial and social sectors. He was a Senior Economist at HM Treasury and the Prime Minister’s Energy Review, worked in investment banking at Morgan Stanley and as a strategy consultant at The Boston Consulting Group. He designed and delivered a groundbreaking accelerator programme for 1,000 UK small business leaders at Goldman Sachs.

Markku Huotari, Head of PSD2 Program, OP Financial Group

Markku has more than 20 years of experience in several technology companies and especially with innovation and digital disruption in various forms. He has extensive background both in business and technology from working with companies such as Nokia, Microsoft, Google and various mega operators. Lately he has been evangelising and speaking about digitisation and innovation. At OP Financial Group he is heading the PSD2 program and paving a way for Open Banking.

Alan Lockhart, Principal Architect, RBS

Alan works for the RBS Solutions Open Banking team and leads the bank’s drive around APIs, Open Banking and Fintech relations both externally and internally. He has led the team that has produced RBS’ putative API: BlueBank and tested this with Fintech and multiple 3rd parties through a global programme of Hackathons, completing 10 in the last 18 months. See bankofapis.com and follow us at @bankofapis

Paul Rohan, Rohan Consulting

Paul had 15 years’ experience as a senior digital banking executive leading an EU bank through entry into the eurozone, PSD1 and SEPA.   He is now a freelance researcher, consultant, blogger and author on the likely global impact of Open Banking on market structures.   Open Banking in the EU impacts as a regulatory intervention (through PSD2), a standard setting challenge, a wave of innovation in distribution, a communication and education challenge, a framework for inter-firm collaboration and a profitability challenge for incumbents.  Paul has deep domain experience and expertise in all facets.  His research focus at the moment is the wider impact of Open Banking across the full Banking Service Landscape e.g. the likely ripple effect of Open Banking across the Data Management, Sales & Service, Operations & Execution, Risk & Compliance, IT Management, Business Unit Management, Financial Control and Corporate Strategy functions.

Megan Caywood, Director of Marketplace Platform, Starling Bank

Megan is Chief Platform Officer at Starling Bank, leading API Strategy, partnerships and the development of the Marketplace Platform. Starling Bank is a leading challenger bank in the UK that was founded in 2014 by Anne Boden, former COO of Allied Irish Bank. In 2015 they raised $70 million in their first round of funding and received their official banking license.  Prior to Starling, Megan worked in technology in San Francisco, having led product development at Intuit and Xero, two of the world’s largest financial technology companies. Megan holds five patents in financial technology, and regularly writes and speaks on the subject. She is now residing in the UK on a Tier 1 Exceptional Talent Visa, recognised for her work in digital technology

Ricky Knox, Founder, Tandem

Rick is a serial entrepreneur and has built multiple successful businesses. He has built five technology disruptors in fintech and telecoms, and founded Tandem in 2013. Ricky co-founded GSM systems (a global mobile telephony network services provider), Small World Financial (a global money transfer business with over £4bn of transfers) as well as Azimo, the leading pan-European European digital remittance player.
Ricky is also Managing Partner at Hexagon Partners, a specialist private equity firm which invests in financial technology.
He has an MBA from INSEAD

David Beardmore, Commercial Director, The Open Data Institute

David leads the ODI’s commercial, business development and marketing activities.
His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for 5 years before its acquisition by Bertelsmann.
David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing stuff.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Alex Letts, Chief Unbanking Officer, U

Alex Letts is Founder and Chief Unbanking Officer, of U. The U current account is targeted at the millions of people who are fed up with paying unexpected banking fees for simple mistakes and accidental overdrafts. Alex is a lifelong “Change Agent” and is best known for building successful market leading businesses by disrupting and challenging the status quo, using technology to create new and better business models. After reading Classics at University College, Oxford, Alex worked in consumer advertising at Young & Rubicam (Y&R), at the time the world’s largest advertising agency. In 1989 he founded SMI Group, an advertising agency specialising in technology. The agency rapidly became Europe’s largest B2B agency and was acquired by Publicis Groupe in 1997. Following this, Alex went on to run the multi national agency Publicis Technology. In 2000, Alex entered the world of fintech , raising $50m to create web-based re-insurance trading platform RI3K, which was sold to the Qatari Financial Centre in 2010. Now, after disrupting the world of advertising, re-insurance and personal finance, Alex has turned his attention to shaking up the 300-year-old retail banking sector with U, a brand new current account. It offers millions of people who feel let down by their banks — because of penalty fees, hidden charges or misselling — an easier, more transparently charged way to manage their money. Alex says the aim of U is to help people get away from the grip of the retail banks whose model is, he says, dangerous for their financial well-being.

Ammar Akhtar, Chief Executive Officer and Co-Founder, Yobota

Ammar has worked in Tier 1 banks for 10 years on technology and business projects
across the globe; having been a consultant at Accenture and Capco. He has considerable experience in complex project delivry, team leadership, development and product creation.
Before starting Yobota, he was also the product and development lead at BOLD ROCKET where his team built several web and mobile apps.
He studied maths at Imperial College London, and has a CISI Diploma.

Matt Hopgood, Digital Transformation Lead, Publicis.Sapient

Dr. Louise Beaumont, Lead, Open Bank, Publicis.Sapient

Louise has a broad and deep understanding of FinTech: as an SME requiring new FinTech services, as a FinTech founder, as an investor investing in FinTech, as a working group member building the FinTech legislative and regulatory environment, and as a tech implementer of said legislations and regulations.  She focuses on Open Bank – leading in the area for Publicis.Sapient; co-chairing techUK’s Open Bank working Group; and sitting on the PSD2 and FinTech Steering Groups for the Open Bank Implementation Entity.

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