10am – 1:30pm ET 


1 December | Global Virtual


Assessing the fintech industry’s critical business and growth opportunities in 2022 and examining differences in 2027


Assessing the financial imperatives and priorities in fintech and regtech


Assessing the environmental, social, and governance (ESG) challenges faced by the fintech industry – the road and challenges ahead


Assessing the environmental, social, and governance (ESG) challenges faced by the fintech industry – the road and challenges ahead


Addressing the cybersecurity opportunities, investment priorities, benefits and challenges for fintechs


Frank Morisano
Board Director
Industrial and Commercial Bank of China


Alessia Falsarone
Managing Director, Portfolio Strategy and Risk DMFI
PineBridge Investments

Alessia-Falsarone-2-120x120-1 (1)


Please contact the Center for Financial Professionals today to discuss how we can deliver your thought-leadership at the event, help you generate leads, and provide you with unique networking and branding opportunities. For more information on what we can offer, please contact chris.simou@cefpro.com or call us on +44 (0) 20 7164 6582 where a member of the team will be happy to tailor the right package for you.


10:00 Opening remarks
Survey, methodology and key findings of Fintech Leaders 2021
Andreas Simou, MD, CeFPro


10:10 Assessing the fintech industry’s critical business and growth opportunities in 2022 and examining differences in 2027

Session details 

  • Cybersecurity
  • Advanced data and analytics
  • AI and machine learning
  • Customers, mobile and digitalization
  • Payments

Ido Lustig, Chief Risk Officer, BlueVine
Armel Kouassi, Senior Vice President, Northern Trust Corporation
Sunil Gangwani, Co-founder, Plootus
Dipanjan Das, Sr. Director, GM of Student Credit Cards, Capital One Financial Services


10:45 Investment priorities in fintech and regtech – assessing the financial imperatives and priorities

Session details 

  • Security, security and more security?
    • Client expectations and requirements vs. safety and regulation
  • faster, real-time payments
  • customer services
  • automation
  • safeguards
    • Data privacy, regulation and governance
  • increasing multi-jurisdictional regulatory expectations
  • data protection and reassurance
    • Anti-fraud, AML, KYC and compliance
    • AI, machine learning and cloud computing

Hakan Danis, Head of Macroeconomic Scenarios and OpRisk Stress Testing Models, Director, MUFG Union Bank
Michael Middleton, Head of Content Strategy, Markov Processes International
Angela Johnson de Wet, Head of Risk for IT Change and New Technologies, Conduct, Compliance and Operational Risk, Lloyds Banking Group Union Bank

11:20 Networking break


11:35 Addressing the cybersecurity opportunities, investment priorities, benefits and challenges for fintechs

Session details 

  • Assessing status and priorities: legacy systems, moving to the cloud, and all-out reviews
  • Hardware, software, cloud…what are the cybersecurities of future rest?
  • Data and analytics the key to increased security or additional risk?
  • Working environment of the future and cybersecurity
  • Learning from out of industry examples and advances

Frank Morisano, Chief Risk Officer, Industrial and Commercial Bank of China Limited
Bradley Mirkin, Managing Director, Berkeley Research Group


12:10 Assessing the environmental, social, and governance (ESG) challenges faced by the fintech industry – the road and challenges ahead

Session details 

  • Moving from the ill-defined to targeted objectives
  • ‘ESGtech’? is this a thing?
  • Cryptocurrencies and ESG – pitfalls and opportunities ahead
  • Drivers and expectations: regulators, clients and institutions
  • Role of senior management in fintechs and incumbents
  • The business case for enhanced ESG strategy

Sabeena Liconte, Deputy Chief Operating Officer & Chief Legal Officer, BOC International USA Holdings Inc, a member of the Bank of China Group
Craig Spielmann, Risk Intelligence Leader, CNM LLP
Alessia Falsarone, Managing Director, Portfolio Strategy and Risk DMFI, PineBridge Investments


12:45 Cryptocurrencies: assessing the feasibility and placement of private and national cryptos in the fintech industry – inevitable progress against wild speculation

Session details 

  • Assessing the growth and challenges of private cryptos, Central Bank Digital Currencies (CBDC), and stablecoins
  • How will CBDC work for retail and wholesale markets?
  • Role of private cryptocurrencies of the future
    • in relation to CBDC
    • viable alternative digital currency
    • investors and users – unbanked, bad actors, and investors
  • Addressing the key advantages and challenges ahead

Tibor Bartels, Head of Transaction Services Americas, ING
Gurraj Singh Sangha, Chief Quantitative Investment Officer, Token Metrics Ventures

1:20 Chair’s closing remarks and end of Fintech Leaders 2022


Tibor Bartels
Managing Director/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.


Hakan Danis
Head of 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


Dipanjan Das
VP, Business Head, Credit Cards


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


Alessia Falsarone
Managing Director, Portfolio Strategy and Risk DMFI
PineBridge Investments


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.


Sunil Gangwani
Senior Director – Investment Planning


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.


Armel Romeo Kouassi
Senior Vice President
Northern Trust


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.


Ido Lustig
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.


Michael Middleton
Director of Content Strategy
Markov Processes International


Michael is a financial services executive with experience across a broad spectrum of the asset management industry, including operations management, compliance, and product focuses



Bradley Mirkin
Managing Director
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.


Frank Morisano
Board Director
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.



Gurraj Singh Sangha
Chief Quantitative Investment Officer
Token Metrics


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.



Craig Spielmann
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.

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Please contact the Center for Financial Professionals today to discuss how we can deliver your thought-leadership at the event, help you generate leads, and provide you with unique networking and branding opportunities. For more information on what we can offer, please contact chris.simou@cefpro.com or call us on +44 (0) 20 7164 6582 where a member of the team will be happy to tailor the right package for you.


This event is free to all so do not hesitate to register. You are able to register for free using our link below.  If you have any questions please email Elliot.wyton@cefpro.com