István Agócs is a senior consultant at Online Business Technologies. He graduated from the Corvinus University of Budapest as a business information technologist. After a period of working as business/systems analyst at Allianz, he has joined Online. He has started working on planning the progressive development of new and current solutions and is currently responsible for the PSD2 and the Hungarian instant payment projects.
Bruno is a Senior Technology Architect at Accenture and has been working with CMA9 Banks since 2016 to prepare for OpenBanking and drive architecture design and delivery.
His experience with FS Clients covers APIs and microservices, cloud native architectures, digital decoupling for mainframes, streaming architectures just to mention a few.
While currently focused in FS, he holds a wide experience across the different technology layers and industries which is complemented with an MSc in Computer Engineering from Tecnico Lisboa.
Matt is the current head of Payment Systems and Services at HM Treasury. Over the last year he has been responsible for the transposition of PSD2, as well as leading for HM Treasury on their approach to payments issues and regulation more broadly, and working closely with colleagues on the introduction of Open Banking. Prior to this role, he has worked on the UK’s approach to FinTech as well as a stint in the taxation side of HM Treasury working on pensions and savings tax
Phil Allen’s career in Identity and Access Management (IAM) began in the late nineties with digital certificates where he was involved in some of the earliest initiatives of trying to provide a common authentication and security platform for Banks that was interoperable across organisations and geographies. At the time this was known as Identrust.
After the dotcom bubble burst, increased financial regulations came into play and the focus of IAM switched to internal governance. Phil spent the next 15 years helping some of the world’s largest organisations solve the challenges associated with providing their customers and employees with secure access to all of the different applications they needed efficiently and securely.
Now, with the adoption of Open Banking the circle has come back round and he is once again supporting both the largest Banks in the UK and Europe, but also the newest digital banks to deliver a standards-based approach to account access and payments.
Phil is currently the EMEA VP at Ping Identity and has the goal to move people from saying “I knew what the problem was, but I never realised that Identity was the answer” to having an ‘Identity First!’ philosophy.
Olly is Co-Founder and CEO of OpenWrks, an award winning fintech company dedicated to making Open Banking work to improve people’s everyday lives.
Prior to founding OpenWrks Olly was Director of New Ventures at Lowell Group and part of the leadership team at TDX Group.
His career in the credit industry has been focused on leveraging data and technology to help people and businesses more easily access the products and services they need the most. OpenWrks continues his passion, using leading edge technology to unlock the value from Open Banking – the biggest catalyst for transformation in financial services for a generation.
Olly is a regular speaker at industry events on the subject of borrower focused credit decisions and the use of open banking technologies.”
Steve Boms is the President of Allon Advocacy, LLC, a consultancy that partners with financial technology firms to engage with policymakers, the press, and third-party stakeholders globally. In this role, Steve leads global government affairs for Envestnet Yodlee, the leading global financial account aggregation platform, including in the United Kingdom and the European Union. Steve liaises with governments around the world extolling the virtues of open banking ecosystems and consumer-centric financial services products and services.
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Ralph’s career began at the London Stock Exchange, delivering an ultra-low latency trading platform before he was lured into investment banking. As Technical Solutions Architect at Societe Generale, Ralph crafted a globally distributed, mission critical pricing and execution platform for Retail and Professional Finance Clients supporting multiple Asset classes including FX, Fixed Income, Precious Metals and Semi Structured Products.
Moving to the Royal Bank of Scotland, Ralph led the IAM Architecture team. The team designed and delivered a modern platform for RBS which ensured the business is able to quickly adapt and embrace transformative changes like PSD2 and the Open Banking initiative.
As the Trust Framework Architect for Open Banking Ltd (UK), Ralph is heavily active in the design and delivery of the UK’s National Open Banking and PSD2 program as well as acting as Raidiam’s primary representative to the Open ID Foundations Financial API Working Group and other international standards bodies.
Olly Brough is Managing Director of EMEA at Trusona Inc, the leader in #NoPasswords identity authentication, providing top brands with seamless consumer authentication to improve the customer journey while complying with PSD2 SCA.
Olly has built his 21 year career by delivering best in class payments, anti-fraud and identity solutions to leading retail and financial services clients through a variety of high growth technology companies.
Olly’s focus continues to be driving top line growth for clients by increasing digital adoption of their retail and financial services while simultaneously reducing fraud, operating cost and ensuring regulatory compliance.
With twenty years’ experience covering all aspects of Information Security, Nick Caley has advised global clients in industry and government on security strategy and the operational capabilities that enable organisations to protect their most valuable assets.
With ForgeRock, Nick is responsible for Financial Services and Regulatory with a focus on guiding organisations to deliver successful outcomes beyond compliance with GDPR, PSD2 and Open Banking.
Brian Costello is the Chief Information Security Officer at 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 Envestnet | 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
Uttiyo is currently the Head of Everyday Banking for HSBCs retail bank in the UK. This sees him head up Current Accounts, Savings, FX, Overdrafts, Payments, Open Banking / PSD 2 teams. Before his most recent role Uttiyo spent the past 13 years at HSBC, across numerous roles from Group Head of Analytics in wholesale banking, Product Pricing and Analytics, Head of Retail Credit Risk and as Chief Risk Officer of the UK and European retail bank.
Prior to joining HSBC, Uttiyo worked across 7 different countries in Asia and Middle East in customer facing Corporate and Retail Banking executive roles.
Uttiyo strongly believes in the need for a customer centric and data driven approach to Retail Banking and Wealth Management.
Dollar Financial is an international financial services provider, with offices in the USA, EU and UK. As the lead for Growth and Product Strategy, Steve’s role at DFC is to grow Dollar UK’s product lines, and to continue to transform the company into a customer-centric and sustainable business.
Maha is the Head of Payments Supervision Department at the Financial Conduct Authority (FCA) having joined the FCA to set up the team in October 2017. Maha’s career in the payments space has spanned multiple geographies since 1995, covering various markets in retail banking as well as wholesale and institutional cash management. Her payments knowledge includes acquiring, issuing, payables and receivables, liquidity management as well as working capital solutions. She held a wide variety of roles from sales, strategy and product to governance, risk and control. Maha sees that there are many opportunities for innovative ideas that, executed carefully, will provide valuable propositions for consumers. She has a keen interest in observing and participating in the many exciting changes that are coming in the payments landscape.
As Head of Payments Department, Maha is responsible for building the Payments team and crafting and implementing FCA supervisory strategy for the UK Payments Sector.
Sam is the Open Banking / Open APIs lead at Starling Bank, a mobile-only bank. His career started at Alfa, implementing lease and loan administration systems for global banks and vehicle manufacturers. Here Sam spent 8 years covering the full life-cycle of corporate system replacement projects, from pre-sales and business process workshops, to technical integration and solution architecture.
Sam joined Starling in 2016 to lead a team of engineers building a new core banking system running entirely in the cloud. Starling launched the UK’s first mobile only current account, and was the first to provide a full public API on a current account, far beyond the requirements of Open Banking and PSD2. This includes a full sandbox bank where accounts can be opened with card transactions, faster payments and direct debits simulated to give developers a great experience. Since then, a number of partners have launched applications using the API, including the launch of the “marketplace” which allows customers to discover and access integrated products from other providers.
Mr. Gulamhuseinwala was appointed as Trustee for the Open Banking Implementation Entity 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.
He is seconded to Open Banking from Ernst & Young LLP (EY) where he is a London-based partner in its financial services practice. He is also EY’s Global Head of FinTech. He joined EY in 2014.
At EY, he has worked closely with government, regulators and industry bodies to drive the FinTech agenda, leading studies for both UK Trade & Investment and HM Treasury to measure the size and growth of the FinTech sector in the UK and develop a strategy for future growth.
Prior to joining Open Banking, he has been 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 18 years and spent eight years investing in the fintech sector. 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 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.
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.
Ralf Jacob is a German national who joined the European Commission in 1989 after having studied economics and politics in Hamburg, Paris and London. Since January 2017, he leads the unit dealing with retail financial services and payments in the Commission’s Directorate-General for Financial Stability, Financial Services and Capital Markets Union. His unit is in charge of legislation on payments (payment services and e-money directives, SEPA regulation) and consumer finance (mortgage credit and payment accounts directive) and coordinates the implementation of the Commission’s action plan on consumer financial services.
DataStax solutions power the mission-critical big data applications that transform business and enable life-changing customer experiences for some of the world’s most innovative companies, including Netflix, eBay, Healthcare Anywhere and hundreds more. Martin is the Regional Vice President of Northern Europe, and is leading the market development for Enterprise data management through the adoption of the unique DataStax Enterprise (DSE) platform.
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
Dániel Koczka is the Chief Digital Officer of MKB Bank – a leading universal bank in Hungary. MKB Bank is a digital first-mover in the CEE region’s banking sector with its award-winning fintech partnership program, core system replacement project and open API sandbox.
With a computer scientist background, Dániel’s mission is to connect the IT and business worlds and lead the best combination of the two into the open world. Before joining MKB Bank, Dániel had held several leadership positions in internal and outsourced IT services, consultancy and busines process transformation.
Dániel is managing the areas responsible for developing and implementing the digital strategy of MKB Bank – Digital Customer Experience, IT Development, IT Operations and Data Analytics.
He believes in co-operation and co-creation of value and that the world of open data presents a large opportunity for banks to provide their platforms to the new-coming service providers.
Gavin Littlejohn is a fintech entrepreneur with experience of developing innovative solutions to mass market problems.
Gavin was appointed as Convenor of the Fintech Stakeholder Group of the UK Open Banking Implementation Entity in October 2016. He serves as a Director and Non-Executive Chairman of the Financial Data and Technology Association www.fdata.org.uk where he successfully led the campaign to have account aggregation added to PSD2.
Gavin is well-renowned as the Founder of Money Dashboard, and acted as its CEO until July 2015.
Mehdi Medjaoui is the Lead API economist of the API Academy, the business and technical research team of CA Technologies. Mehdi is also the co-author of the Banking APIs State of the marketindustry report since 2017 and the author of the API Industry Landscape. He advises for the last 3 years large companies CEOs, CIOs and CTOs about their digital transformation and their business and architecture refactoring with APIs and Microservices.
Isabelle is an industry veteran with more than 25 years of experience in the fields of integration, SOA, services and APIs. After more than 15 years at IBM in various technical roles working on the WebSphere platform, she worked as a Product Manager and technical evangelist in a couple of startups, before co-founding her own company. As the CTO of 42Crunch, Isabelle oversees product management and is the main product evangelist of the company. Isabelle has been a speaker at technical events for the 20 years and enjoys sharing her knowledge with attendees (and learn from them!). https://about.me/maunyisabelle
With More than 20 years experience in banking, payment and credit business through different Financial Institutions in France and Asia Pacific like Cofinoga, and American Express, he is since 2013 leading the Payments and Daily Banking activities of BNP Paribas in the international markets outside the Euros zone (Africa, Us, Poland Turkey, Ukraine, China).
Kannan is a hands on Solution Architect involved in OpenBanking/PSD2 implementation in Tier-1 Banks like RBS, HSBC and Lloyds Banking Group. He is a strong advocate of adopting industry standards and advising organisations on best practices for end to end IAM solutions. He is PSD2 SME & speaker at various conferences.
Kannan is an Applied Mathematics post-graduate who started his career as software developer in 2000 and has worked on diverse domain in varying capacity leading up to architect role. He is an entrepreneur at heart and co-founded a big data company in the past. He recently cofounded PSD2 Enabler Ltd to help banks become PSD2 Compliant.
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.
Bill is the CMA’a lead on open banking. He was heavily involved in the original design of the open banking remedy, including the organisations responsible for its delivery, and is now involved in its implementation. Before entering the world of regulation he worked for Thomson (now Thomson Reuters) in consumer and business publishing businesses and before that he was Deputy Director of Which?
Pablo has over 20 years of international experience with a successful track record for delivering business innovation and digital transformation for financial services organizations such as Liberbank, Banco Santander and JPMorganChase.
As Head of Digital Innovation at Liberbank, he is responsible for Digital Innovation, delivering a new Agile Business Organization, building an Open Banking ecosystem, running Fintech collaboration program’s and implementing new digital solutions within retail banking.
As Former Global Head of Open Innovation at Banco Santander, he was responsible for managing FinTech acceleration programs in Madrid, New York, San Francisco, London and Helsinki.
Pablo holds a BSc in Computer Science by the University Pontificia of Comillas (Madrid) and a PDD in Business Administration at IE Business School. Intraentrepeneur, active speaker and startup mentor within the early stage FinTech ecosystem.
Residing in Austin, TX, Mike is a domain expert on digital authentication and application security. He is the founder of Gluu, an open source software vendor whose platform is used in over 60 countries. An active participant in security standards development, he co-chairs the Kantara OTTO working group which is developing API’s and a data model for multi-party federation. Mike is the author of “Deploying Identity and Access Management with Free Open Source Software,” due to be published by Apress in August 2018.
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Martin Sladecek is the Open Banking Manager for Komercni banka, Czech republic. Martin is responsible for the management of Open Banking and PSD2 business opportunities within digital banking, defines new customer value in the new challenging era of banking and evangelizes related & up-to-date topics such as the open economy, shared and aggregated services and API business across the bank with the special focus on banking & financial innovations, innovation culture, FinTechs, and emerging market trends.
Before joining Komercni banka’s Channel & Customer Intelligence team, Martin has worked as management and business consultant with over 15 years of hands-on consultancy and managerial experiences in the business and ICT challenges of the banking and finance sector focusing on business innovations, digital marketing and communication, technology advantages and multichannel solutions delivered to banking market leaders such as Komercni banka (Societe Generale), VUB (Intesa Sanpaolo), CSOB (KBC) or Global Payments Europe. Martin holds an Ph.D. and Certificate in Management from the Czech Technical University in Prague and besides his banking career acts as the coach.
Steve Smith is the Managing Director of Customer Development & Innovation at Lloyds Banking Group (LBG). His remit is to shape and develop LBG’s response to changing consumer behaviour, competition, regulation and the impact of new technology in the financial services sector. Steve Smith joined LBG in 2010 as the Competition & Regulatory Strategy Director and has since been leading the implementation of a range of key initiatives with wide reaching impacts across the Group including Open Banking, Brexit, PSD2, remedies from the CMA Retail Banking Inquiry as well as various FCA, PSR & CMA market studies. Previously an executive member of the Board of the British Energy Regulator, Ofgem, Steve held a number of roles, including creating a new framework for energy network regulation, leading several major competition investigations and market reform programmes in the wholesale and retail energy markets and advising the European Commission on their EU energy sector inquiry. Prior to Ofgem, Steve was a management consultant in the utilities practice of PricewaterhouseCoopers. He is currently a Council Member at the Regulatory Policy Institute (RPI) and a Non-Exec at Flipper and automated energy switching service and Digital 365 plc who are developing innovative payment technologies for smart energy prepayment meters.
József Németh is a Deputy CEO of Online Business Technologies, responsible for sales and customer account management. He graduated at the Budapest University of Economics, and after a period of being a management consultant at EY, he joined Online. He has gained remarkable experience in every aspect of implementing complex core banking solutions, as he worked as a senior consultant, project manager, head of the project office, operative and sales Deputy CEO throughout the last 15 years. József is both creative and systematic: he can help in developing business ideas and converting them to real IT projects in the real world. In the recent years, his main responsibilities have been the PSD2, Instant Payment, Digital Banking and Open Banking projects.
Sanjay Tailor is Vice President, Digital Strategy and Industry Solutions. He is responsible for developing CA’s go-to market strategy for Industries Markets and, and building CA’s partner ecosystems.
He worked with NIST’s center of excellence for Cyber Security, has participated National Security Executive Big Data Workgroups. Sanjay has spent more than 20 years in the Enterprise IT Management space with the past 5 years focused on Mobile and Digital Transformation strategies.
He has chaired, Keynoted, and participated in panel sessions at executive summits for Banking and Retail events. He has worked on Digital Transformation initiatives with many of CA’s largest financial customers and is aligned directly to the CTO office to validate roadmaps and corporate strategy.
Former head of international at TransferWise a fintech unicorn – joined the company when there were 6 in London and left when they were 500+. Victor built and led a team of 25 who launched TransferWise in 25 new markets. Previously he founded and led PoS terminal reseller BlueBird in Europe as well as worked as a trader at Morgan Stanley. He studied economics at Harvard and has an MBA from INSEAD.
Before co-founding Anorak, David was Chief Financial Officer at Made.com, the leading UK based design furniture commerce player in Europe. He joined Made.com shortly after its launch to set up and scale its international expansion into 6 territories.
He also overlooked corporate strategy managing a $60m series C fund raising process. Prior to joining Made.com, he was an entrepreneur in the online space for five years. He started my career at JPMorgan as a TMT investment banker where I spent 8 year working on IPO and M&A transactions
Paul has 18 years experience in Enterprise Software, with half that time spent specifically in the Identity Management arena. He joined Ping Identity in 2015 and has helped drive significant growth in the EMEA business with a particular focus in the Finance sector. Paul has worked closely with a number of large UK and European retail banks, challenger banks, emerging Fintech organisations and regulatory bodies to understand the very specific requirements that are driving innovation in Identity for the Fintech world.
He helps translate these drivers to ensure Ping Identity and the Product teams are able to deliver a platform with the right capabilities, and helps customers and partners find solutions so that Identity becomes the enabler for business transformation, and better customer engagement.
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.
With over 10 years of experience in the market, Roger is instrumental in helping Equifax to shape its global strategy for leveraging Open Banking Data.
Peter Wells is Head of Policy at the Open Data Institute (ODI).
He works with governments and businesses around the world to make data as open as possible for those who need it, so that data can help inform the decisions we make as individuals, organisations and societies. The ODI was co-founded by the inventor of the web Sir Tim Berners-Lee and AI expert Sir Nigel Shadbolt to address today’s global challenges using the web of data.
Peter spent over 20 years in the telecommunications industry working with both telecommunications companies and regulators to investigate new technologies, transform businesses and launch new products. Before joining the ODI, Peter worked in a voluntary role to organise an independent review of digital government policy for the Labour Party, and for Open Addresses Limited to experiment with creating a collaboratively maintained open address register.
He’s a longstanding fan of Blackpool FC