FINTECH LEADERS RESEARCH
FINTECH LEADERS ADVISORY BOARD
GLOBAL FINTECH RESEARCH
Providing a voice to the market, an assessment of future trends and company rankings identified by the industry
ABOUT FINTECH LEADERS
Fintech Leaders Annual Survey & Report is the most far-reaching and rigorous program for ranking the leaders in the Fintech industry.
Now in its third year, the Center for Financial Professionals’ (CeFProTM) Fintech Leaders is fast being acknowledged as the most comprehensive business intelligence study on the status of the fintech industry.
Fintech Leaders is the only research program of its kind, relying on responses and votes from industry end-users to establish the market leaders, trends, priorities, challenges, and investment opportunities within the fintech ecosystem.
In addition, Fintech Leaders includes a guide to suppliers through the inclusion of a list of key solution providers, including a ranking of 30 different categories and an overall fintech solution vendor ranking system.
This report is freely available on our member hub for download.
FINTECH LEADERS 2021 REPORT
CeFPro has had responses in excess of 1000 finance, technology, operations,
risk and compliance professionals participate in the 2020 survey.
Analysis on key trends
Meet our FinTech Advisory Board
An essential component of our research methodology is to regularly engage with independent fintech experts and thought-leaders “The FinTech Advisory Board”. This is a team of carefully selected independent subject matter experts with expertise in one or more of the various fintech sub-categories (e.g. Regtech, Analytics, AI, Blockchain, Payments, Core Banking).
Risk and Capital Markets Executive
Former SVP – Global Risk Management
Rita is an accomplished executive with risk management and capital markets expertise. Led global market and credit risk management functions through periods of crisis and rapid business change. Managed complex portfolios across 50+ countries, working with stakeholders in cross-cultural environments and leading global teams. Current and past Board member of key Canadian capital markets regulators (IIROC, CIPF).
Governance experience at Board level and enterprise level. Effectively managed regulatory interactions in several countries.
Managed Credit Risk for a $300B global portfolio and Market Risk for a $700B Balance Sheet
Expertise in non-financial risks including Operational, Compliance, Cyber, Conduct Risk. Trusted advisor to the C-suite and Board.
Strategic management of change initiatives. Led enterprise-wide business transformation for Global Compliance.
Strategic leadership of risk technology projects. Promoted lighthouse projects using advanced analytics, ML, NLP for use cases in Risk and Compliance.
Head of Portfolio Credit Risk
Bank of Ireland UK
Hugo is a seasoned financial services professional with experience in managing risks in different parts of the globe. Hugo is currently responsible for the management of the credit risk appetite for the retail portfolio at BOI UK, alongside portfolio insights, debt management strategies, MI and credit forecasting tools, using technologies and data in ways to bring to the forefront emerging credit risks and mitigating strategies.
Hugo is passionate about leadership, innovation and analytics and focused on driving strong stakeholder relationships.
Head of Transaction Services Americas
Tibor Bartels heads-up the ING Transaction Services department for the Americas region. He is responsible for Payments and Cash Management solutions, Liquidity Management, Working Capital optimization and Traditional Trade solutions.
Starting 2016, Tibor moved to NY to build an on-the-ground presence for Transaction Services in the region. Currently he leads a team of product specialists that have in-depth discussions with America’s based multinationals on how to improve their daily banking set-up.
Tibor has been with ING for over 16 years and started his career as a trainee and worked in various departments of the bank. In 2007, Tibor joined the Transaction Services department with regional responsibility for the United States. Currently he is a considered to be a specialist for treasury optimization and market trends in Europe and has been regularly been interviewed by sector magazines.
Michael is a Director at PwC where he leads the AI and FinTech Practice. He is an AI Thought Leader & FinTech Veteran with 17 years of international experience having run client engagements on five continents.
He spent more than a decade leading engagements with Fortune 500 companies before then disrupting that space with innovative solutions after his Executive MBA at London Business School.
Michael has a broad background across blue chip names such as Morgan Stanley & Moody’s as well as a range of smaller innovative AI Firms.
Aside from his day job he also takes a keen interest in understanding the latest in innovation by helping AI firms to scale and has been a Mentor and Judge for organizations like Startup Bootcamp, Virgin Money Startup, Cocoon Network, Level 39 and MIT IIC for the last 9 years.
As a well-known Expert in his field, Michael acts as keynote speaker at international conferences and guest lecturer at a number of business schools including London Business School, Mannheim Business School, IMC and others.
His “AI in Financial Services” PwC study (with 150 participating experts) was released on May 11 2020 and the “AI Book” to which he contributed as Co-Author was released in print on May 13 2020.
Many of Michael’s other articles, past speaking engagements and contributions in regards to AI & FinTech are available via his LinkedIn profile.
Harley Davidson Financial Services
Bradley Boercker is a senior analytics professional with a wide-range of experience in banking, fraud, business intelligence, risk, modelling, and even had a stint serving as an associate professor of accounting. His expertise includes managing fraud analytics and reporting for the BP Oil Spill (Deepwater Horizon). Bradley has served as the VP of Analytics and Strategy at BBVA Bank and is now a leader in the business intelligence group at Harley-Davidson Financial Services.
XVA and Credit Derivative Quant
Daiwa Capital Markets
Assad Bouayoun has over 15 years of quantitative analysis experience in investment banking. He is a quantitative finance specialist focusing on total valuation including funding and capital cost, xVA, risk, stress and reverse stress testing. He was responsible for designing industry standard hedging and pricing systems in equity derivatives during his time in Commerzbank, and had the same responsibility in credit derivatives while working for Credit Agricole, and also in xVA in institutions like Lloyds, RBS and Scotiabank. He lead the modelling team responsible for the research and development of the simulation engines used for exposure computation within HSBC in London. Now he is XVA and Credit Derivative quantitative analyst at Daiwa Capital Market..
During the different projects Assad has undertaken in quantitative finance, he integrated new technologies such as Cloud, GPU and QPU; new design (parallelization using graphs) as well as new numerical methods such as AAD. He also participated to the firmwide data standardization and integration that are essential aspects of the success of these projects. He is also leading an effort to leverage quantum annealing for financial quantitative reverse stress testing.
He holds a MSc in Mathematical Trading and Finance from Cass Business School and an MSc in Applied Mathematics and Computer Science from UTC (University of Technology of Compiegne, France).
Head of Technology and Infrastructure
Fort Street Asset Management
Lindsey Burik is Head of Technology and Infrastructure at Fort Street Asset Management, and a builder, innovator and advocate for progressive and diverse thinking. By using technology to challenge conventional processes, we can better leverage the talents of the people to create streamlined, forward thinking products. It’s simple: “Think big, act small, do it now.”
Senior Quantitative Trader, Head of Market Structure & Trading Analytics
Voya Investment Management
Enrico Cacciatore is a Senior Quantitative Trader, Head of Market Structure and Trading Analytics for Voya Investment Management. Enrico runs trading for the quantitative equity team as well as program trading for the fundamental active equity team. In addition to trading, Enrico leads the effort in evaluating and improving the overall trading process from both an execution and systems prospective. Enrico was the 2018 Markets Media Buy-Side Quantitative Trader of the Year, a member of NASDAQ’s Institutional Traders Advisory Committee (ITAC) , ITG’s Analytics Advisory Board as well as FinTech Advisory Board Member for Center for Financial Professionals. Enrico earned his B.S. in Mechanical Engineering (Aerospace Systems) from the United States Military Academy at West Point, as well as graduate studies in Computational Finance (MSCF) from Carnegie Mellon University.
Head of Model Risk Management
As the Head of Model Risk Management for Signature Bank, Albert is responsible for ensuring that all models used by Signature follow FIL 22-2017 (i.e. SR 11-7 and OCC 2011-2012). These model types include ALM, Liquidity, CECL, Stress Testing, DFAST and AML/BSA. Prior to entering the model risk management space, Albert held various roles which gave him the opportunity to perform research and present his work during outreach engagements. Albert holds graduate degrees in both economics and statistics.
Strategy & Innovation Manager
A passionate problem solver with over 20 years experience in financial services.
My current focus is how we can dramatically shift the customer experience while facing into rapidly evolving technologies and the challenges of the new regulations.
Outside of the office I am working towards a psychology degree. Human behaviour is a fascinating area and understanding it is key to solving some of the challenges we have.
Macroeconomic Scenarios and OpRisk Stress Testing Models, Director
MUFG Union Bank
Hakan Danis is currently Director in MUFG Union Bank where he is managing a team that is responsible for designing scenarios and projecting macroeconomic and financial series for BAU baseline, CECL, CCAR/DFAST, Resolution and Recovery Plan scenarios, JFSA (Japan Financial Services Agency) and MUFG Japan internal scenarios. He is model owner of several macroeconomic and stress testing models that have been used during CCAR/DFAST submissions. He has also developed a model that has been used to rank scenarios based in their severity and constructed ad-hoc macroeconomic models to help Credit Strategies Group on stress testing related projects. He actively participates in Review & Challenge and Overlay Committee meetings for credit loss and PPNR forecasts during CCAR/DFAST processes. Prior to joining MUFG Union Bank, he was Senior Economist in the Research Department at BBVA, where he was responsible for macroeconomic analyses and forecasts of the U.S. economy for the BBVA Group. These forecasts were accepted one of the most accurate forecasts of U.S. economic trends in 2010 and 2011 by Bloomberg. He holds a PhD in Economics from Terry College of Business, UGA and is expert in time series econometrics and monetary policy. He has published several academic papers and worked as editor and guest editor in academic journals.
Sr. Director, GM of Student Credit Cards
Capital One Financial Services
Dipanjan Das (DD) is a strategic thought leader and proven general manager with 15+years of experience in P&L Management, Banking Compliance and Regulations, Product Management, and Digital Marketing spanning multiple industries. In his current role, DD leads all aspects for multi-product cross-sell and 3rd party strategic partnerships for Capital One Retail and Direct Bank, especially in the New-to-Credit segment. In 2016-17, he was intricately involved in Capital One Retail Bank’s response to the FS industry-wide sales practice exam conducted by the OCC.
At Ally Financials, he led the analytics team focusing on the online auto auction business and the web analytics strategy for their dealer facing businesses. DD has a Bachelor’s degree in Industrial Engineering and a Masters degree in Operations Research and Statistics from UNC-Chapel Hill. He is a huge foodie who also loves to cook, travel and dabble with projects around the house. He lives with his wife and 2 adorable kids in the
suburbs of Washington DC.
Brandon James Davies
Non Executive Board Director
Lintel Financial Services Limited & Obillex Limited,
I was delighted to be asked to become a member of the FinTech Advisory Board. I am on the board of two FinTech businesses, a number of City think tanks and am also an advisor to the board of a conventional banking business. Though most of my career has been in conventional finance it is I believe important to remember that the application of computer science to the finance industry has a long history. I appeared in a centre page spread on the application of pattern recognition to Barclays trading room in Computer Weekly in October 1991! Times have changed but the discipline of ensuring we make the most of advances in computing to improved business operations and real customer benefits has not.
Managing Director, Portfolio Strategy and Risk DMFI
Alessia Falsarone, SASB FSA, is a Managing Director with PineBridge Investments in New York, a global asset manager focused on high-conviction investing. She is responsible for the alignment of portfolio strategy and investment risk across the developed markets credit platform, including as head of sustainable investing. Prior to PineBridge, she held senior investment roles at AIG, Citigroup and Credit Suisse. Ms. Falsarone is a mentor in the Stanford IGNITE accelerator program and a Member of the Board of 1787fp, a digital platform focused on consumer finance. Ms. Falsarone is an alumna of Stanford University and the Massachusetts Institute of Technology.
Director Capital Budgeting
Co-Founder of Plootus, a FinTech start-up in the Wealth Management industry, based out of New Haven, Connecticut. Sunil has led multiple teams and projects at GE, ING, and PwC in strategy, finance and risk management. He is a 15-year financial services veteran with experience in Asset Management, Lending, and Capital Markets. He is an MBA from NYU Stern, a Chartered Accountant and a finance graduate from Shri Ram College of Commerce. He has also completed an executive program in FinTech from MIT.
Mariana Gomez de la Villa
Program Director Distributed Ledger Technology
Mariana Gomez de la Villa has joined ING in 2015 and is currently the Distributed Ledger Technology Program Director at ING, with overall responsibility for driving research, development and implementation of Distributed Ledger Technology as well as capitalizing on its potential in order to unlock mass-scale value.
Under Mariana’s leadership, the Blockchain program has delivered over 44 proofs of concept and 8 live pilots in collaboration with the following business areas: payments, trade finance and working capital solutions, financial markets, post-trade, bank treasury, lending, compliance and identity.
Mariana is also responsible for setting up long-term purpose and vision, including the governance of the program within ING globally. Mariana is an active leader in global consortia, outlining the Distributed Ledger Technology strategy and envisioning market landscapes.
Mariana’s accountabilities include the definition of products, services and business models, as well as foresight to business, technology, leadership communities and international stakeholders, including regulators.
PA Consulting Group
Jason is a retail and commercial banking expert and strategic advisor with 30 years’ experience working with clients delivering innovative and complex programmes to solve business critical issues. He has market leading knowledge and insight in the challenger banking and SME banking sectors, and has led numerous strategy and transformation programmes for a wide range of start-up, mid-tier and universal banks.
Founder & CEO
Windbeam Risk Analytics
Ms. Howe is a banker, risk management and finance professional with more than 25 years industry experience in the global financial services sector, including roles in Canada, Europe and Mexico. With the rare ability of combining high-level quantitative skills with qualitative management excellence she has held a variety of senior risk management roles in some of the world’s most established banks including Deutsche Bank, UBS, ABN AMRO, and Santander. She attributes part of her success to the experiences she gained from her more junior roles at Chase, in the early part of her career. Well-known within the risk community she served for more than 10 years on the Board of the Global Association of Risk Professionals (GARP). Donna provides clients with:
Deep knowledge in capital markets and investments,
Risk management across a broad range of corporate strategies and client segments ranging from high yield to high net worth,
A passion for education.
Donna earned degrees at several levels: University of Michigan, Ann Arbor MI Bachelor of Arts—Economics, 1989. New York University, New York NY Master of Arts coursework in Economics, 1992. Harvard University, Boston MA Master of Liberal Arts in Mathematics Education, ca. 2018
Head Of International Sales
Rinse Jacobs is Head of International Sales at Solarisbank, the tech company with a banking license. He manages and oversees all sales activities outside of Germany and leads the initiation of opening up new countries. Prior, he managed Brand Partnerships at HTC in Taiwan and gained experience as an independent consultant and as founder of a webhosting company.
Senior Vice President – Head of Model Risk Governance
Options Clearing Corporation
Saqib Jamshed currently serves as Senior Vice President – Head of Model Risk Governance at the Options Clearing Corporation in Chicago. He has held senior Risk Management positions at State Street Corporation and GE Capital. Saqib spent the bulk of career at the Royal Bank of Scotland where he started out as a Programmer and then moved on to become a trader on the fund derivatives desk. He earned a Masters in Electrical Engineering from University of Michigan and an MBA from the University of Connecticut.
Head of Risk for IT Change and New Technologies
Llyods Banking Group
Prior to working at Lloyds, Angela worked At Deutsche Bank in the Cloud, Anti-Financial Crime Analytics, Data Quality and Finance Risk and Regulatory Reporting change and transformation teams.
Before joining Deutsche Bank, Angela worked as a Senior Manager at EY across Asia Pacific and EMEIA within the Financial Services Organisation focusing on Corporate Banking and Capital Markets transformation and advisory programmes. Angela started her career at IBM in Australia working as a developer, tester, designer and then business analyst and project manager.
Angela has an honours degree in Mechanical Engineering (Mechatronics / Robotics) and Computer Science from the University of Melbourne, Australia.
SVP, Head of Model Risk Management
Shannon Kelly is an entrepreneurial executive in enterprise risk management, model development and validation, model risk management, as well as stress testing, credit, market and operational risk modeling. She is currently the Head of Model Risk Management at Zions Bancorp. She has twenty years of financial service industry experience, including the US Head of Model Risk Management at TD Bank, Head of Enterprise Risk Management Audit at Bank of the West, and Director of Economic Capital at HSBC Bank US. She also worked for the Federal Reserve Bank of Philadelphia specializing in retail credit risk models and Basel II examinations and regulatory guidance.
Noah Kessler is a Director for Protiviti, a global consulting company focused on helping organizations with their regulatory, internal audit and technology risk (including cyber and privacy) needs. Noah serves as Protiviti’s New York technology industry leader and in this role has serviced the largest FinTech companies in the world. Noah is a thought leader in the firm and has authored Protiviti whitepapers and a blog series for emerging tech companies seeking to fund and scale their business. Noah is well-versed in the FFIEC IT handbooks, cloud security alliance, cybersecurity frameworks and a variety of regulatory requirements that have implications on the FinTech sector.
Chief Risk & Compliance Officer
Joshua Kotok is the Chief Risk and Compliance Officer at First Savings Mortgage Corporation. Joshua is an accomplished executive with demonstrated performance in leading operational and technology risk management and compliance initiatives. In addition, Joshua has identified and assessed operational and information technology risk from the regulatory and audit perspectives.
Prior to joining First Savings Mortgage Corporation, Joshua was the lead examiner for ongoing monitoring and targeted examinations of Freddie Mac’s Operational Risk program for the Federal Housing Finance Agency (FHFA). Joshua also served as the Senior Manager of Operational and Technology Risk for the Making Home Affordable program where he led the development of the ORM framework and all supporting components. Joshua also has prior experience as a Big Four management consultant where he led several engagements for Financial Services clients specializing in operational, technology and compliance risk reviews, governance and supporting technology implementation (GRC).
Joshua holds a Bachelor of Science degree in Information Systems from Florida State University. Joshua is a Certified Fraud Examiner (CFE) as well as a Certified Information Systems Auditor (CISA). In addition, Joshua has held numerous industry association board positions including serving as the President and Education Director of the ISACA South Florida chapter and Vice President of the iCoast CIO council. Joshua is also a frequent presenter for the Global Association of Risk Professionals (GARP) and the Operational Risk North America conferences.
Armel Romeo Kouassi
Senior Vice President
Armel R. Kouassi is a senior finance professional with broad-based experience in Banking, Fintech, AI, Asset Liability and Treasury Portfolio Modeling. His experience includes a wide range of products with assignments in several major financial institutions and a Big 4 Audit Firm. He has worked and lived in numerous locations throughout the United States, Europe & Africa. Recently Mr. Kouassi is Head of Balance Sheet and Asset Liability Modeling for Northern Trust headquartered in Chicago. Armel has shifted between entrepreneurial and senior banking roles in his career.
Armel is certified Financial Risk Professional and a member of Global Association of Risk Professional. Armel received an MBA from the University of Pennsylvania Wharton School, a master’s in finance from ESCP Europe, Paris, France and a master’s in statistics and economy from ENSEA Abidjan, Ivory Coast. Armel is a father of 3 girls, speaks three languages, he is passionate of economic empowerments, Arts and Music and is member of the Board of Directors of the Ridgefield Symphony Orchestra. He is a board member of NewArts/12.14 Foundation in Connecticut, USA. The 12.14 Foundation is a nonprofit organization dedicated to fostering well-being in children by instilling grit and resilience through a character development program coupled with high-level mastery experiences. Armel is member of the Board of the Wharton Club of Africa, promoting and helping to invest in Africa.
Sabeena Ahmed Liconte
Deputy Chief Operating Officer & Chief Legal Officer
BOC International USA Holdings Inc.,
a member of the Bank of China Group
Sabeena serves as Deputy Chief Operating Officer and Chief Legal Officer to the investment banking division of Bank of China International – specifically, BOC International (USA) Holdings Inc. and its two subsidiaries, BOCI Commodities & Futures (USA) LLC, a registered futures commission merchant and CME Group Inc. clearing member, and BOC International (USA) Inc., a registered broker-dealer and member of FINRA (collectively, “BOCI”). Prior to joining BOCI, Sabeena served as Futures & Derivatives Counsel and Compliance Advisor to E*TRADE Financial Corp., E*TRADE Clearing Corp. and E*TRADE Securities Corp. Her previous professional work also includes the Office of General Counsel at Merrill Lynch Pierce Fenner & Smith Incorporated, the Division of Enforcement at the Financial Industry Regulatory Authority, the Bank of New York Mellon’s Legal Division, the Securities Fraud Prosecution division of the Attorney General’s Office for the State of New Jersey, General Counsel and Chief Compliance Officer to Alpari (US), LLC and Alpari Securities LLC.
Sabeena is licensed to practice law in New York and New Jersey and is an active member of the American Bar Association, the New York State Bar Association and the New Jersey State Bar Association. She holds a Bachelor of Arts in Criminology and Political Science from the University of Toronto, a Master of Arts in International Relations from Columbia University and a Juris Doctor from the St. John’s University School of Law. She also serves as Chair for the New York County Lawyer’s Association Futures & Derivatives Committee, and member of the Foreign and Comparative Law Committee and Futures and Derivatives Committees of the New York City Bar Association.
Head of Multichannel
Intesa San Paolo
Maurice has spent the last 15 years, taking care of the transformation of customer-facing channels in Intesa Sanpaolo, firstly for the Italian market and then in the International Subsidiary Banks Division. He leads the digital transformation process in all the subsidiary banks ecosystem of Intesa Sanpaolo, defining and implementing the strategic path of the transition from a “traditional” bank environment to an up-to-date, modern environment able not only to cope with technological and innovation changes, but also to exploit those changes for creating a competitive advantage. A passionate transformation and innovation addicted, he is present on the industry conferences, sharing his point of view and experience on the digital transformation journeys, evolving banking industry, digital strategy and customer experience
Chief Risk Officer
Ido Lustig is the Chief Risk Officer of BlueVine, a Silicon Valley-based fintech startup that provides working capital financing to small and medium-sized businesses. A veteran data scientist and risk manager, Ido helped develop BlueVine’s fully-online cloud-based platform for invoice factoring, revolutionizing the 4,000-year-old financing system that allows businesses to receive cash advances on outstanding invoices. Ido spearheaded the creation of BlueVine’s top-notch Risk organization which is spread between California and Israel and has played a critical role in expanding the company’s ability to offer fast and flexible online financing to entrepreneurs. Before joining BlueVine, Ido led PayPal’s behavioural analytics department, heading the creation of the company’s risk models’ features. Ido received his bachelor of law degree from Tel Aviv University.
SVP, Head of Quantitative Risk Analytics
Steve is Senior Vice President and head of Quantitative Risk Analytics at Regions Bank, where his current responsibilities focus on quantitative aspects of forecasting and stress testing, risk ratings, valuation, reserve methodologies, economic capital, portfolio construction, credit strategy and credit portfolio management. Steve has 20 years of industry experience in quantitative modelling and risk management and has prior experience building portfolio management and analytics infrastructure at Merrill Lynch, Bank of Montreal and ABN AMRO. Steve has a Ph.D. in applied physics from Northwestern University, a B.S. in physics from University of Colorado in Boulder, and has held Series 7 and Series 63 certifications.
Head of Market Structure and Innovation, Financial Markets
Stéphane Malrait is Managing Director and Global Head of market structure and innovation for Financial Markets at ING Bank. Stephane is working with advocacy groups, policy makers and regulators to follow market structure and industry challenges impacting the financial market industry. He is also leading innovation activities in the capital market space within ING and developing external partnership with Fintech companies. He actively contributes in industry working groups to represent ING Bank.
Stéphane joined ING in 2015 to lead the bank e-commerce initiatives across all financial market products and to develop the financial market group’s cross-asset ecommerce strategy. Before joining ING, Stephane spent eight years at Société Générale, where he was Global Head of FIC eCommerce, creating an eCommerce business covering credit, rates, money market, emerging market and FX. Prior to this, Stéphane worked at JPMorgan Chase for ten years, serving in different roles in Global FX E-Commerce Business Management and cross-asset eCommerce technology and was based in London and New York.
Stephane has a strong background in financial markets and understands the need for continued technological development to drive positive change in trading and market structure workflows. He is leading ING Financial Market innovation strategy and working on the implementation of financial regulations that will impact the clients trading activity and transform how trading floor operates.
Stephane is also a board member for several Fintech initiatives and trading associations. Since 2005 he has been active with the ACI Financial Market Association – an international non-profit organisation that represents the interests of market professionals in foreign exchange and money markets. Here, he has chaired the ACI FX committee, representing the views of professionals in the FX sector. He is also an active member of the ECB FX contact group working on the BIS Global FX code of conduct working groups. He is currently co-chair the GFXD Algo and TCA group looking at the FX Global code of conduct 3-year review.
Berkeley Research Group
Bradley Mirkin is a Cybersecurity, Financial Crimes and Regulatory Compliance expert. He is a former securities regulator, broker-dealer Chief Compliance Officer, senior compliance officer leading Cybersecurity, AML and Fraud Compliance for one of the world’s largest investment advisors and law firm partner representing US and foreign investment advisors, hedge funds and broker-dealers in investigations and enforcement actions brought by the SEC, FINRA and other US financial regulators. The focus of his practice is on regulatory compliance in areas such as Cybersecurity, Anti-Money Laundering and Financial Crimes with a special emphasis on issues involving Information Security and Compliance Software.
He is the former co-chair of the American Bar Association’s International Anti-Money Laundering Committee, was appointed to the ABA’s Task Force on Anti-Money Laundering and Anti-Terrorism Initiatives and is the former vice-chair of the ABA International Law Section’s International Financial Products and Services Committee. He is a graduate of the University of Pennsylvania Law School, the London School of Economics and Political Science and Brandeis University.
Chief Risk Officer
Industrial and Commercial Bank of China
Mr. Morisano is Chief Risk Officer at the Industrial and Commercial Bank of China overseeing the Americas where he has a significant impact on business development, risk management, information technology and cybersecurity.
He serves as an independent director of a Fintech and also a private company where he chairs the audit committees. He received his credit training at the Chase Manhattan Bank, holds an MSc in Information Systems and a BBA in Statistics.
Xiaoling (Sean) Yu
Director of Model Validation
Sean (Xiaoling) Yu is a SVP and Director of Model Validation at KeyBank. He has over 10 years of experience in the financial services industry in different quantitative modeling roles. His areas of functional expertise include Consumer and Commercial Credit Risk, Stress Testing, Allowance/Reserve, Capital Modeling, Risk Analytics, and Model Governance. Prior to Key, Sean was Sr. Group Manager of Quantitative Analytics and Model Development in PNC Financial Service Group. He started his financial services career in National City Bank as a Sr. Capital Allocation Analyst after worked as a Research Consultant at the Center for Regional Economic Issues of Case Western Reserve University. Sean has a Ph.D. in Economics from Case Western Reserve University, and a Master in Management Science and a Bachelor in Industrial Economics from Tianjin University.
Managing Director, Special Opportunities Group, Valuation & Advisory
Cushman & Wakefield
A seasoned professional that has enjoyed a diverse career spanning over 30 years in various segments of Real Estate, Capital Markets, Banking and Technology. In his current role at Cushman and Wakefield, he leads advisory teams addressing a myriad of bank compliance and risk challenges for some of the largest banks in the world. Joe is also highly focused on identifying and creating cutting edge solutions to replace the antiquated technology that still plagues the banking sector.
Head of Americas Model Risk Management
Manan is currently the Head of Americas Model Risk Management at MUFG. He has a Bachelors degree in Finance from the Wharton School at the University of Pennsylvania, a Masters in Economics from the LSE, and an international executive MBA from the Trium program (NYU/HEC/LSE). Other interests include reading, travel, wine and jazz (sometimes all at once). He also has a passion for thinking about where society is headed through advances in technology and capabilities.
Head of AML, Sanctions & CTF Operations/Nominated Officer (& Deputy MLRO)
Allan heads up the Nominated Office/AML, Sanctions & CTF Operations function at Tesco Bank and is the Deputy MLRO. He has a leading role in their AML, Sanctions & CTF Change Programme which is delivering complex customer and compliance improvements.
He has held a number of senior Financial Crime Prevention positions with Sainsbury’s Bank, RBS and their Williams & Glyn subsidiary over the past 8 years which have been pivotel in improving the use of technology to mitigate risk and improve the customer experience.
Having completed the International Compliance Association’s Diploma in AML & Sanctions and Post Graduate Diploma in Financial Crime Compliance, he holds Fellow status with them..
CEO and Co-Founder
Gabriele is an experienced risk management professional who has worked for several financial institutions and consultant companies across the world in the last 18 years.
Before founding Wiserfunding together with professor Altman, he was Head of Risk Appetite Portfolio Decisioning for the Royal Bank of Scotland and Natwest. Prior to this role, Gabriele was Head of Credit Risk Portfolio Management for Ulster Bank and Global head of Credit Risk Analytics for ABN AMRO. In his roles, Gabriele was responsible for ICAAP, stress testing, risk models, portfolio management and risk appetite. He has provided support and oversight in risk management to banks and subsidiaries in Asia, North and South America and Europe. He started his career working for Experian in Italy and Eastern Europe helping banks in enhancing their consumer and SME risk management capabilities and capital optimization.
Gabriele holds an M.Sc. and a PhD. in Finance from “La Sapienza” University in Rome. He was a visiting Scholar at the Stern School of Business of the New York University under the supervision of Professor Altman with whom has published several academic papers on risk management and SME lending in top ranking academic journals, including the Journal of Banking and Finance, the Journal of Financial Services Research and the ABACUS.
Gurraj Singh Sangha
Global Head of Data Science , Risk, and Market Intelligence
State Street Versus
Mr. Sangha is the Global Head of Data Science , Risk, and Market Intelligence for State Street Verus and leads a risk and investment strategy team for an artificial intelligence platform that integrates machine learning, natural language processing, portfolio and risk management, and human experiences to explore connections and extract relevant insights between market-moving events and multi-asset class portfolios.
Mr. Sangha is an accomplished global macro portfolio manager, strategist, and risk manager, with over 20 years’ experience. He has advised firms on developing quantamental approaches to trading — strategies at the intersection of structural, statistical, and fundamental trading, utilizing data science, machine learning on both structured and unstructured data, and behavioral analytics. Further, he has led several investment strategy and risk management teams and held a number of senior positions, including Chief Investment Strategist at a $6 billion global macro volatility hedge fund, and Senior Global Macro Trader at a $400 million hedge fund.
Mr. Sangha began his career at Goldman, Sachs & Co.,in the Global Investment Research Division. He received honors at the International Mathematics Olympiad, served on the Canadian Mathematics Olympic Team, and is a Magna Cum Laude graduate of Brown University.
Seneca Investment Management
Peter has over 40 years experience at Senior Manager & Main Board level in UK Financial Services. Currently his main focus is working with industry, ministers and regulators on the UK’s Digital Strategy Plan to help integrate emerging technology and digital distribution with statute and regulation both in the UK & worldwide. This includes helping the understanding of regulatory approach & implementation, including automated supervision and next generation technology.
He is a Non – Executive Director of Seneca Investment Managers as well as Independent Industry Consultant at FinTechReguLabs and currently sits on a number of industry think-tank & lobby groups. He has previously sat on a number of UK Regulatory Steering Groups. He liaises with regulators and ministers on all new developments in financial services, fintech & regulation. He is a regular contributor to industry publications and conference speaker providing commentary on various industry issues.
Until very recently he was Digital Ambassador for TISA leading on digital & FinTech helping to shape UK industry policy & deliver on UK digital innovation projects and liaising with FCA, ICO, Treasury and the UK fintech ecosystem as well as European Regulators. He is a regular speaker and commentator at industry conferences & events.
He sat on the steering committee for the FCA Industry Sandbox consultation and was a founding member of the industry Pensions Dashboard project working in collaboration with Government & the ABI led project team. He also led the Industry Data Portal project on GDPR with the Information Commissioners Office for UK Financial Services and FinTech and is a contributor to the governments APPG on FinTech.
CEO & Founder
Craig has over 30 years of governance, enterprise risk management, business development, technology and audit experience gained from working with the world’s top institutions (First Data, RBS, Citigroup, J.P. Morgan, Dean Witter, & Merrill Lynch). Currently, Craig is Head of Enterprise Risk Management Strategy at First Data and is also the CEO & Founder of RiskTao, LLC which specializes in Enterprise Risk Management training.
Prior to these roles, Craig was RBS’s Global Head of Operational Risk Systems & Analytics and was responsible for providing strategic direction and oversight. In addition, Craig was Head of Operational Risk Management for RBS – Americas where he was responsible for driving the buildout of Americas ORM practice, Compensation Initiative, 2nd line challenge and managing regulatory relationships. In addition, Craig co-chaired the Americas Compliance and Operational Risk Committee and represented ORM on several domestic and international senior risk committees.
Chief risk officer – institutional / Transaction Banking
Vivek Tyagi is Managing Director, Head of Risk Management for Bank of America Merrill Lynch’s Transaction Services group – a Fortune 350 equivalent business division. In this capacity Vivek is responsible for all business risks globally, including Credit, Operational, Regulatory Compliance, AML, Market and Strategic risks. Previously, Vivek served as Chief Risk Officer and division risk executive at JP Morgan, Genworth Financial and Citigroup.
SVP Risk Strategy & Analytics
Wintrust Financial Corporation
Venkat is currently SVP Risk Strategy and Analytics at Wintrust Financial Corporation. He is an accomplished enterprise-wide analytics thought leader and a subject matter expert on enterprise risk management life-cycle. He has successfully led several high visibility risk, finance, operations and marketing analytical initiatives at multinational and midsize financial institutions. He is a published author and frequent speaker on topics related to game theory, risk & financial analytics and creation of data-driven business intelligence. He has previously worked at Morgan Stanley, Discover Financial Services and HSBC.
Chief Strategy Officer
Caitriona Whelan, currently MD and Chief Strategy Officer for Payen, an award-winning technology company servicing the B2B sector by providing innovative solutions for payments and cross-border requirements. She is a UK and Ireland qualified lawyer working in Financial Services for the past 25 years spanning a number of sectors to include Fintech, Payments, Technology and Derivatives and Capital Markets.
Prior to joining Payen, Caitriona worked for RBS as Payments Head of Compliance and Control and was a member of Payments EXCO. She has worked in a number of payment environments including Senior Counsel for MasterCard; Counsel at McClure Naismith (a London based law firm) where she established a practice dedicated to providing legal services to the payments industry.
She held a global role while working as General Counsel for Monex Financial Services (a technology company servicing the payments industry), supporting the business in Asia Pacific, US, and EMEA whilst reporting directly to the Board.
Ms Whelan qualified in house while working for Credit Suisse First Boston where she played a pivotal role in developing the legal department’s expertise in capital markets. Her introduction to investment banking came about whilst working as a post grad for a recruitment company where she recruited herself in to a position as budget controller for Salomon Brothers in London.
In conjunction with her husband Ms Whelan has started several independent businesses in the construction, hospitality and retail sectors. She has worked as a volunteer for St Vincent De Paul in Ireland and was instrumental in setting up Youth Clubs in Ireland. She currently resides in Essex with her husband and cat (Zebo). She is a big rugby fan (coming from the home of rugby i.e. Munster) and in her spare time likes to sail.
Head of Americas Supervision
Citadel Securities & Adjunct Professor,
Fordham University School of Law
Stan is the Head of Americas Supervision at Citadel Securities where he covers the Equities, Futures, and ETF businesses, systematic trading, and trading technology. Stan is also an Adjunct Professor at Fordham University School of Law teaching Trading, Risk Management & Market Structure Regulation as well as a FinTech Advisory Board Member with the University of South Florida’s College of Business.
Stan previously was a Compliance Officer at Marshall Wace North America L.P. where he specialized in Quantitative Compliance and helped build the core US compliance program and scaled globally to EU and APAC. Prior to that he worked at Knight Capital Group focusing on algorithmic trading, market structure, and surveillance.
Stan’s work earned him the finalist for the 2019 Compliance Innovator of the Year award. He holds a J.D. in Law from Fordham University School of Law where he was an Associate Editor on the Journal of Corporate & Financial Law, and additionally holds an M.Eng. in Engineering Management, M.S. in Pharmaceutical Manufacturing Engineering, and M.A. in Technology, Policy & Ethics from Stevens Institute of Technology.
Stan is Certified in Risk and Information Systems Control (“CRISC”), a Certified Data Privacy Solutions Engineer (“CDPSE”), and is also a Certified Fraud Examiner (“CFE”). Stan is a Global Panelist on the MIT Technology Review and on the Review Board for the Journal of AI and Ethics. Stan lectures and publishes on industry topics including FinTech, RegTech, market structure, alternative data, artificial intelligence, regulatory and enforcement matters, surveillance, cybersecurity, data privacy, and risk management.