Payments Forum 2019

The future of payments: Reviewing trends, technology and regulatory requirements

Payments Forum 2019

12-13 February, 2019 | London

2019 Key Agenda Highlights

Regulation
Reviewing changes across the payments landscape and ensuring system readiness

API
Implementing and aligning API across UK and Europe

PSD2/Open Banking
Requirements for full implementation to deliver PSD2 and Open Banking

New Payments Landscape
Successfully adapting to the new payment landscape

Real Time Payments
Adapting and linking infrastructure for a more streamline approach

Authentication
Customer authentication and limiting vulnerabilities with continued increase in digital landscape and customer adoption

AI, Robotics & Machine Learning
Adopting new tactics to enhance customer experience and efficiency

FinTech & Challenger Banks
Evolution of FinTechs and their impact on the payments landscape

Future Outlook
Understanding the future outlook of infrastructure and innovations

AML
Advancing AML detection and moving to real time to keep up with innovation

Hear From 20+ Payment Experts Including:

Paul Cain
Global Head of Research, HSBC

Julian Sawyer
Chief Operating Officer, Starling Bank

David Geale
Director of Retail Banking, FCA

Esme Hardwood
Director of Strategic Development, Barclays

Hendrik van der Watt
Head Payment Architecture, Danske Bank

Heike Winter
Director, Retail Payments Policy, Deutsche Bundesbank

Dougie Belmore
Head of Payment Service, Clydesdale Bank

Wincie Wong
Head of Innovation for Supply Chain Services, NatWest

Why Attend?

The payments landscape is rapidly transforming with the help of challenger banks, FinTechs, new regulations and customer expectations pushing the market to be more competitive. In this new diverse landscape many financial institutions are tasked with the challenges of keeping up with the speed of innovation and expectations.

In addition the payments environment is becoming more heavily regulated, with the implementation of GDPR, PSD2 and Open Banking the landscape continues to evolve as the industry adapts. The next five years are set to be an exciting time as we see how new technologies like, AI, robotics, machine learning and Blockchain all evolve and how the payments landscape will flourish.

To explore these themes further The Center for Financial Professionals will host the 2ndAnnual Payments Forum. The two day summit will review the latest updates, opportunities, challenges and future outlook for payments across the financial sector. The summit aims to bring together industry professionals and peers to provide a platform for thought leadership, networking and idea sharing.

Payments Forum 2019 | AGENDA

12-13 February, 2019 | London

08:00 Registration and breakfast

08:50 Chair’s opening remarks

Simon Wilson, Director, Global Payment Solutions, Icon Solutions


REGULATION PANEL DISCUSSION

09:00 Reviewing regulatory changes across the payments landscape and ensuring system readiness for future updates

  • The cost of compliance
  • RegTech uses to standardise regulation interpretation
  • Infrastructure capabilities to handle future regulation
  • Impact of GDPR
    • BA example with 350,000 customer data leaked
  • Uncertainty around secure customer authentication
  • Looking beyond compliance and ensuring business value for customers

Peter Smith, Director, Seneca Investment Managers & Independent Industry Consultant, FinTechReguLab
Garrett Lunney, Head of Payment Services, AIB
Adrian Smyth,
Head of Innovation, Payments, NatWest


API

9:50 Reviewing progress towards final roll out of API across UK

  • Open banking and APIs access to account
  • Ensuring data security with third party access
  • Assigning liability between banks and third parties in event of loss
  • Exemption process for fall-back mechanisms
    • What does the application process look like
    • Developing contingency mechanism
  • Creating a wider adoption of initiating payments

David Geale, Director of Retail Banking, FCA


10:30 Morning refreshment break and networking


PSD2/OPEN BANKING PANEL DISCUSSION
11:00 What is next for open banking? Reviewing requirements for full implementation to deliver on PSD2 and open banking

  • New service developing and impact for competition and innovation
  • Non-banks competing and challenging banks role in payments
  • Spill over of UK open banking and European PSD2 on the rest of the world
  • Maintaining customer loyalty with access to new accounts
  • Loophole for potential withholding of information based on interpretation
  • Secure customer authentication and more dedicated installations
  • Limitations of banks legacy systems and ability to stay agile

Becky Clements, Director of Payments, UK Finance
Esme Harwood,
Director of Strategic Development, Barclays
Stefano Paoletti, Head of Sales, Token, Inc


REAL TIME PAYMENTS

11:50 Harmonising infrastructure across multiple jurisdictions for a more streamlined approach and increased adoption rate

  • Connecting multiple clearing and settlement mechanisms
  • Inherent risk of changing existing scheme
  • Updating critical infrastructure without disruption to ensure payments continue
  • Detecting fraudulent payments
  • Impact on banks liquidity
  • Competition to card services
  • Implementation of request payment to request outstanding amounts

Heike Winter, Director Retail Payments Policy, Deutsche Bundesbank


12:30 Lunch break and networking


1:30 The future of payments; transformation with tier 1 global bank

  • Insights, benefits and lessons from leading French bank rolling out Instant Payments across multiple countries and schemes
  • Explore the challenges involved in moving to a real-time environment whilst adopting leading edge modern open source technology
  • Walking through the challenges and opportunities that have been encountered and how to achieve fast tracked deployment from transformation initiation to live
  • How new technology and an agile approach has empowered the bank to reduce deployment risk
  • Learn how bank has been able to fast track the creation of new and enhanced services for today and the future, and how your bank can too!
  • Adopting new technology, moving at pace, changing of culture and skills

Frédéric Mahieu, Head of Payments IT, BNP Paribas
Toine van Beusekom, Head of Payments, Icon Solutions


2:10 The reform of UK payments systems, threats and opportunities

  • The UK payments system – How did the existing UK payments system grow up?
  • Real Time Gross Settlement – What role does RTGS play in the system and why is it necessary?
  • Payments Regulators – Why has a new Payments System Regulator has been created?
  • Payment systems statistics – How are payments systems changing and what are the forces driving change?
  • UK Payments Strategy – Why is a new strategy needed?
  • Fraud
    • Fraud, the darker side of payments change or opportunity
    • What drives the growth of push payment fraud?
  • Competition
    • Is competition in payments a good idea?
    • Is there a conflict between competition and security?
  • Steps in the process – Does rationalisation of systems  proliferation of access increase risk?
  • Open Banking – Does this initiative create new risks for customers?

Brandon Davies, Non Executive Director, Obillex Limited and Lintel Financial Services Limited


2:50 Afternoon refreshment break and networking


NEW PAYMENTS LANDSCAPE PANEL DISCUSSION

3:20 Ensuring system resilience to adapt to the evolution of the new payment landscape

  • Resiliency – The challenges and opportunities
  • Ensuring customer confidence
  • Infrastructure issues
  • The impact of Open Banking and Fintech partnerships
  • Keeping pace with change
  • The role of the regulator

Heike Winter, Director, Retail Payments Policy, Deutsche Bundesbank
Dougie Belmore, Head of Payments Industry Engagement, Clydesdale Bank
Jane Barber,
Senior Consultant, Payments, NatWest


P27 PROJECT

4:10: Project 27 – Creating an integrated region for domestic and cross border payments in multiple currencies in the Nordics

  • Introduction to Project 27
  • From legacy infrastructures to harmonisation
  • Future proof infrastructure – opportunities to create pan Nordic offerings

Hendrik van der Watt, Head Payment Architecture, Danske Bank


AUTHENTICATION

4:50 Ensuring customer authentication and limiting vulnerabilities with continued increase in digital landscape and customer adoption

  • Technical standard for secure customer authentication
  • What two factor authentication means for payments
  • Delivering across online applications
  • Satisfying regulatory requirements and customer protection
  • Uncertainty around requirements for secure customer authentication
  • Dedicated installations of customer authentication

Esme Harwood, Director of Strategic Development, Barclays


5:30 Chair’s closing remarks

5:40 End of day one and drinks reception


08:15 Registration and breakfast

08:50 Chair’s opening remarks

Vikas Munshi, Lead Platform Architect, Data Analytics and Machine Learning, ING Bank


FUTURE OUTLOOK

9:00 The future of payments: Preparing infrastructure for future of payments and innovation 

  • New payment architecture
  • Future of MPA and SEPA
  • How will new players tapping into the payments system change the payment landscape?
  • The future of PSD2 and regulation

Julian Sawyer, Chief Operating Officer, Starling Bank


FRAUD

09:40 Ensuring accurate fraud detection and prevention measures alongside innovation to limit vulnerabilities

  • Corporate business email compromise
  • Advances in threats – tracking emails for payment chain
  • Protections in place to protect customers
  • Ensuring customers are sensible with their information
  • Who is to blame if information is shared by customer?
    • Reimbursing customers – who is liable?
  • Advances in fraudsters sophistication

Paul Cain, Global Head of Research, HSBC


10:20 Morning refreshment break and networking


TECHNOLOGY PANEL DISCUSSION

10:50 Leveraging technological advances to increase efficiency of processes and limit human error

  • Using technology to automate elements of payments
  • Balancing innovation and potential vulnerabilities
  • How far can innovation cut costs and improve internal processes and security
  • Regulatory data requirements increasing reliance on technology
  • Integrating technology to work harmoniously with human interaction
  • Upgrading systems to keep up

Vikas Munshi, Lead Platform Architect, Data Analytics and Machine Learning, ING Bank
Ruth Wandhofer, Former Managing Director, Global Head of Regulatory & Market Strategy, Former Citi
Sameer Dubey, Head of Transaction Products, UK, Barclays


11:40 AI is a compliance officers’ best friend

  • Sanctions filtering management: a nightmare to compliance officers
  • How to improve the management and cope with the burden of false positives?
  • How to optimise the mobilisation of a large number of operational resources?
  • Keeping the same risk standards by leveraging existing proven solutions and optimising human tasks
  • AI-based approach as the phased enhancement in alert management
  • Making sure the value and benefits of newer algorithms can be confirmed at each step through their interpretability

Yannick Martel, Founder, Bleckwen


12:20 Lunch break and networking


AI, ROBOTICS & MACHINE LEARNING

1:20 Payment in the new: balancing experience and new frontiers of technology

  • The Intesa Sanpaolo payment ecosystem story:
  • One single experience to rule them all: Buyer and Merchants.
  • A wide open partnership model to boost adoption and acceptance.
  • The Intesa Sanpaolo proven methodology: Design thinking and agile as the foundation for customer driven products. XME Pay and XME Commerce.
  • The Intesa Sanpaolo vision for the future of payments: AI and Open Banking to keep reinventing the value chain.

Gian Battisa Baa, Head of Digital Payments, Intesa Sanpaolo


FINTECH AND CHALLENGER BANKS

2:00 Reviewing the evolution of FinTechs and their impact on existing banks to enforce change

  • Trickle-down effect on consumers and customer service
  • Delivering value not concepts
  • Competitive pressures from FinTechs and BigTechs
  • New services developing and outcome for competition and innovation in the payment sector
  • How far is this innovation able to really cut costs and improve internal process and security?
  • Leveraging new technology providers and data analytics

Wincie Wong, Head of Innovation for Supply Chain Services, NatWest


2:40 Afternoon refreshment break and networking


BLOCKCHAIN

3:10 Is cryptocurrency the next main Internet payment method? Understanding uses of blockchain and the impact on traditional payment methods

  • Role of distributed ledger in payments system
  • Experimentation at infrastructure level
  • Using Blockchain to increase efficiency
  • Increasing speed of business transactions
  • Role of bank currencies in light of data economy
  • Utilising blockchain without reducing importance of financial institutions
  • Making payments without a centralised authority

Anil Nayak, Blockchain Advisor, Allied Irish Banks


3:50 The role of biometrics in payments and strong customer authentication  

  • How biometric technology is revolutionising mobile payments and the banking landscape.
  • What it means for consumers?
  • How biometrics will play a significant role in Strong Customer Authentication within the PSD2 regulations.
  • What are the pros and cons of biometric modalities.
  • Why true liveness detection matters in the 2FA authentication process.

Steve Cook, Specialist Biometrics & Fintech Consultant, Biometrics for eCommerce


4:30 Chair’s closing remarks

4:40 End of Forum


Please note, this agenda may be subject to change.

Payments Forum 2019 | SPEAKERS

12-13 February, 2019 | London

jane barber

Jane Barber, Senior Consultant, Payments, NatWest

Jane Barber is a senior manager in NatWest’s industry engagement function.  Prior to this, she headed member development at  the UK Payments Council (now part of UK  Finance) and its work on improving access to payment systems. She became Director of Research & Policy, managing Payments Council’s user stakeholder engagement, its research and deliverables on financial inclusion, and the production of statistical and payment trend publications.  Jane previously held senior roles at RBS in corporate relationship and payments product management, acting as lead business stakeholder for major industry developments such as Faster Payments.  Since returning, she has led  NatWest engagement in to the Payments Strategy Forum and remains closely involved with the new retail payments architecture development. Key areas of focus are APP scams and Confirmation of Payee to ensure that the payment systems retain the trust and confidence of end users.

Gian Battisa Baa’, Head of Digital Payments, Intesa Sanpaolo Spa

Gian Battista is now Head of Digital Payments of Intesa Sanpaolo into Multichannel Integrated Department. Previously he was Digital Payments Team Leader for Digital Payments Project, where he manages the principal projects of Mobile Banking development, introducing the new supports in the existing system of banking mobile payments. In details, he worked on wallet solution in store, both side merchant and buyer. From merchant side, he wanted to give a multi solution acceptance, card based and account based, to attractive as customers as possible. From buyer side, he was transferring the experience in app, to use the smartphone to confirm all the payments. On the other hand, he was developing a new payment solution based only account to account, integrated into the Intesa Sanpaolo App. This solution was developing from P2P payments to P2B, offering a convenient solution for Merchant, and without having any cards for Buyer, both based only on an App.  He joined Intesa Sanpaolo in 2009 as branch operator, and saw the entire profile of branches, from front office operator until Personal Advisors, where he was responsible for a client portfolio with large assets management, in order to investment, financial and transaction services. Gian Battista has degree in 2012 in Economics and Market Strategy at the University of Pavia and he achieved a Master in Banking Financial and Services Management at the University of Turin in collaboration with SAA School of Management in 2014. He speaks fluently English and Deutsch and he is passionate for sports, particular for football, sailing and running.

Dougie Belmore, Head of Payments Industry Engagement, Clydesdale Bank

Dougie has over 30 years’ banking experience having started with Clydesdale Bank in 1985 and has enjoyed a varied career path including Branch Banking, Sales & Service Support, Relationship Management, Programme Management, and Industry Engagement.

Dougie has been involved in the Payments arena since 2009, and as Head of Payments Industry Engagement he is responsible for all aspects of Clydesdale Bank’s interaction across the breadth of the Payments Industry, ensuring full compliance with scheme, industry and regulatory requirements, and the end to end management of payment processing within the Bank. In addition, he has served as a Director of Bacs, Faster Payments and CHAPS Co.

A Fellow of the Chartered Banker Institute, and an Associate of the Chartered Management Institute, Dougie has also served as a Trustee Director for the Bank’s Pension Scheme and has been a Trustee Director of the Bank Workers Charity since 2007.

Paul Cain, Global Head of Research, HSBC

Paul Cain is the Global Head of Research Analytics and Data Science at HSBC.  Paul has over 30 years of experience in analytical strategy development across different banking disciplines covering application, behavioural, credit risk, fraud and financial crime.

Previously Paul worked for Marks & Spencer Bank helping establish an Industry award winning fraud analytics function.  In 2003 HSBC acquired M&S Bank and Paul moved to the newly created Global function establishing a Global analytics team.  Travelling extensively Paul and his central team have worked closely with Regional colleagues creating a consistent approach in how systems and analytics are deployed to help combat fraud.

In recent years Paul has been appointed the Global Head for Research Analytics and Data Science responsible for establishing new practices in identifying financial crime (including fraud).  In this new role Paul has recruited a central team of Data Scientists with strong academic backgrounds and a range of individual skills & experiences.

Financial crime is a global issue, and firstly it’s important to create a purpose built data platform that enables a bank as large as HSBC to fully leverage its vast data footprint.

The ability to process data quickly is opening up new ways to identify criminal behaviour.  The capability to Network customers and clients using a variety of payment, social and behavioural links helps highlight patterns of activity that previously may not have been known.

Using increasingly complex statistical algorithms client behaviour can become more accurately categorised and outlier populations established.

All of these techniques are helping ensure emerging risks are identified and appropriate reviews undertaken.

Becky Clements, Director of Payments, UK Finance

Becky has close involvement with the UK Payment System Regulator (PSR) and has sat on the Advisory Panel and the Payment Strategy Forum and chaired the Working Group for Implementation Planning for the New Payment Architecture which is part of the PSF consultation paper issued in July 2017. She was also chosen to be part of the Delivery group commissioned by the Bank of England and the PSR for the consolidation of the three Retail Payment schemes representing small and middle sized financial organisations. Becky was a member of the BoE Advisory Board for the replacement of RTGS and has held non-executive Directorship positions for the   New Payment System Operator (NPSO), Faster Payments Scheme , Payments UK and the Interim Trade Association.

This close involvement with Industry change gives her a unique perspectiveon the progress and work being taken to improve customers’ payment experience.

At Metro Bank she was Head of Industry Engagement, responsible for payments and card change activity, as well as leading industry and third party engagement. Becky has extensive experience of working with the payments industry and delivering long-term, sustainable value to both customers and business.

Becky is currently Director of Payments for UK Finance leading a strong team with deep domain knowledge  delivering thought leadership on policy working closely with the regulators in the UK and Europe for the good of the membership.

Cook_Steve

Steve Cook, Specialist Biometrics & Fintech Consultant, Biometrics for eCommerce

Steve Cook is a specialist independent biometrics and fintech consultant; helping banks, ecommerce enterprises and fintech start-ups to navigate the complex world of biometrics in payments and regulations.  He advises financial institutions regarding their deployment of biometric authentication and digital identity strategies. He is currently providing business development services to fintech start-up FaceTec.  FaceTec.com has developed a 3D face bio solution with true liveness detection called ZoOm.  ZoOm is extremely robust and is the only real-time face authenticator on the market today that has been certified by iBeta/NIST/ISO 30107-3 global standard for anti-spoofing.

Steve has eight years’ experience in the biometrics industry operating his own consultancy business Biometrics for eCommerce.  He also runs the Biometrics for eCommerce LinkedIn community news group with over 23,000 members.  www.bioecom.com

Brandon Davies

Brandon Davies, Non Executive Director, Obillex Limited and Lintel Financial Services Limited

Brandon is a Trustee of the Responsible Finance Institute Foundation a Non-executive director of Lintel Financial Services Limited  and of Obillex Limited and an advisor to Rosette Limited a Shariah merchant bank .

Brandon is an advisory council member of the Institute of International Monetary Research and is a member of the Financial Markets Group at the London School of Economics. He currently lectures at Buckingham University on their Masters in Money, Banking and Central Banking degree course.

Brandon retired from Barclays Bank  in 2004 where he was Treasurer of retail and corporate banking and a member of the banks Executive Committee. Prior to this appointment he was Head of Structured Products at Barclays Capital

Sameer Dubey, Head of Transaction Products, UK, Barclays

Sameer is currently responsible for the Transaction Banking  products for Barclays in the UK.

Before joining Barclays in 2008, Sameer held a number of roles in Automotive, Digital and Consumer Goods industries across Asia and Europe. At Barclays, his team creates and manages Payments & Cash Management products for Corporate clients, using a variety of paper and digital transaction instruments. Sameer is actively engaged in payments industry and has served as a Non-Executive Director on the board of one of UK Payments’ scheme.

His transition into banking followed a  career break for his masters. In his last role in the industry, before he took the break for studies, he was part of the Product & Marketing leadership team for Asia Pacific for Goodyear.

Sameer is a Mechanical Engineering graduate and an MBA from INSEAD.

David-Geale-700

David Geale, Director of Retail Banking, FCA

David is Director of Retail Banking Supervision at the Financial Conduct Authority. The Retail Banking Supervision Division is responsible for the largest and most complex retail banking groups in the UK, as well as mid-sized, challenger, supermarket, niche and overseas banks, and Payment Services Institutions. David has worked in regulation at the FCA (and its predecessor the FSA) for more than 16 years, spanning a number of different roles in both Policy and Supervision. Prior to his current position, he was Director of Policy.  During his time at the FCA, he has been involved in leading and delivering a number of large scale initiatives including the Retail Distribution Review and more recently the development of the Senior Managers and Certification regime.  He has also overseen the launch and development of the organisation’s Innovation Hub. Outside of the regulator, David is Chair of G20/OECD Task Force on Financial Consumer Protection. Prior to joining the regulator, he worked in the financial services industry for 10 years gaining experience in banking, financial advice and mortgages.

Esme Harwood, Director of Strategic Development, Barclays

Esme Harwood is Director of Strategic Development at Barclays. In her current role she is responsible for the delivery of Open Banking and payments changes within Barclaycard [or the credit card business].  In previous roles at Barclays she advised on and implemented regulatory changes impacting current accounts, and represented Barclays in industry forums.  Prior to joining Barclays, Esme worked in research, policy and as an adviser to a Liberal Democrat MP.

Unknown copy

Garrett Lunney, Head of Payment Services, AIB

With 20 years’ experience across international and domestic banks, Garrett’s career path has seen him work across Payment and Mortgage operations, Product and  Change Management in addition to Industry engagement roles.

Garrett has been Head of Payment Services for AIB since 2016 with responsibility for the back office customer service provision for AIB’s payments portfolio. In this role, Garrett has overseen implementation of new technology in terms of BPM/RPA and is a key stakeholder to the delivery of the re-platforming of AIB’s payment engines. Garrett takes a keen interest in regulatory and compliance agendas, leading operational delivery of regulatory change such as GDPR and PSD2 from a payment perspective.

Garrett is presently Chairperson of the Swift Ireland Member group and a participant in the European Swift Alliance group. Garrett has an Honours Business Degree from Dundalk Institute of Technology.

Yannick Martel

Yannick Martel, Bleckwen

Yannick has worked in IT and Data science for over 20 years. From his experience at major companies, software vendors and consulting firms, he has built a broad outlook on solving business problems with innovative technologies. He is convinced that the combined use of Data Science and Machine Learning along with sound software engineering is the new disruptive force for businesses and communities. Since 2016, Yannick has been developing the Bleckwen initiative, applying Data science and Machine Learning to combatting financial crime, in order to make to world a safer place. He is building a team with varied expertises to make this vision a reality.

FM Photo 4Fev2019

Frédéric Mahieu, Head of Payments IT, BNP Paribas

Frédéric is currently the director of the IT platform for Cash Management, Payments and Cards (an IT organization spanning across Domestic Market entites). In this role, he is in charge of defining the IT strategy, in close partnership with the Cash Management business of the group, and leads an structural transformation program of the underlying Payment architecture.

Precedently, he has been heading for 5 years the ADM department of BNP Paribas Fortis. In this role, he has conducted and executed many IT transformation and integration programs, mostly in the area of CRM and distribution channels domains. 3 of them are worth noting: the deployment of a single Internet Banking platform in Retail countries, the integration plan between BNP Paribas and Fortis, and the launch of Hello Bank.

Four years ago, he joined the IT management team of the group as responsible of RBIS (Retail Banking information systems), the transversal IT organization of Domestic Markets in charge of deploying global assets in these entities. He steers the Cash Management IT platform since 2 years.

Vikas Munshi, Sr. Architect, Global Engineering Platform, ING Bank

Vikas is a creative technologist and Fin-Tech enthusiast currently working for ING Bank in the Netherlands. His multinational experience with diverse technology, consulting, and financial services organizations and background in engineering, IT and Finance, enables him to bring a unique focus to current and emerging challenges facing the financial industry.

Anil Nayak

Anil Nayak, Blockchain Advisor, Allied Irish Banks

Anil Nayak is a Blockchain Advisor with over 12 years of experience in Treasury implementation/transformation projects. He is Council member for Blockchain, IoT and Artificial Intelligence at various industry groups. His professional activities includes Consulting CIO’s on Digital Strategy, Architecture & Delivery Roadmap. He loves to teach and is an invited guest lecturer at International Universities (covering Emerging Technologies). He works with start-up’s to create partnership with established Technologies company/Ventures, contributes as expert member of NSAI (National Standards Authority of Ireland) on ISO TC 307. His research focuses on Blockchain’s application for social benefits and providing value to end users.

Stefano Paoletti

Stefano Paoletti, Head of Sales, Token, Inc.

Stefano has spent over 20 years in business development and sales leadership, across a number of diverse businesses and industries. The past 10 years have been focussed on payments, developing partner propositions and leading sales teams in card issuing, acquiring and payment gateway businesses. In his role at Token, leading the Sales & GTM strategy, Stefano is helping to build the next generation of payment platforms as the banking revolution starts to sweep the world.

Julian Sawyer, Chief Operating Officer, Starling Bank

As Chief Operating Officer, Julian oversees business operations, including payment systems, card operations, customer contact, human resources and supplier relationships.  He also leads Starling Payment Services division providing real-time sponsorship to Faster Payments, BACS and SEPA.

Julian worked as a management consultant at Andersen Consulting (now Accenture) and EY, specialising in large transformation change in the cards and payments industry. He set up his own financial services consultancy, Bluerock, which he ran for thirteen years before selling it in 2012.

Peter Smith, Director, Seneca Investment Managers & Independent Industry Consultant, FinTechReguLab

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.

Adrian Smyth

Adrian Smyth, Head of Innovation, Payments, NatWest

Adrian has extensive experience in delivering solutions in the Corporate and on line markets. A payments specialist, previous roles include Head of UK Change Management leading the design and execution of payment products and services.

Adrian is a senior practitioner in the Payments centre of excellence for NatWest, specialising in innovation and leading the Payments relationship with the Corporate Bank, Private Bank & Government Banking Services. In this role Adrian has a wealth of experience in working in partnership with Fintechs developing API enabled propositions.

Toine Van Beusekom

Toine van Beusekom, Head of Payments, Icon Solutions

Toine is leading the development of Icon’s Payment Centre of Excellence – a team of payments experts that have the deep domain expertise and specialist skills needed to fast-track payments transformation and accelerate go-to-market.

As an innovative Payment Strategist & Lead Architect with over 20 years’ experience in the payments industry, Toine brings a wealth of expertise, experience and knowledge of the Payments & Cash Management domain, obtained from multiple angles including world class IT companies, leading global consultancies, and dedicated payment tech firms, including senior roles at JP Morgan, IBM, Clear2Pay and CapGemini.

hendrick

Hendrik van der Watt, Head Payment Architecture, Danske Bank

Hendrik van der Watt is the Head of Payment Architecture for Danske Bank. He has more than 20 years’ experience across the IT value chain and has led a number of core IT and Payment portfolios, projects and teams across Africa, the UK and Europe. With a keen drive and passion for IT and business synergy he develops Enterprise Solutions for Payments, focusing both on Retail and Corporate products across all Payment Instruments in line with business and customer requirements.

Hendrik has spearheaded key transformation programmes centered around best practices, innovation and the optimization of Payment Solutions. One of the programmes stretched across 10 Banks in 8 countries. Some of the main outcomes and focuses involved benefit realization; long-term effectiveness; packaging and positioning to executive leaders and governing bodies; ensuring agile practices for architects, analysts and developers to ultimately deliver quality solutions best suited for consumer use.

Currently he is part of the team made up from members of all the major banks across the Nordic countries who are venturing to establish the first integrated region for domestic and cross-border payments in multiple currencies.

Ruth Wandhofer, Former Managing Director, Global Head of Regulatory & Market Strategy, Former Citi

Ruth Wandhöfer is a regulatory expert in the field of banking and one of the foremost authorities on transaction banking regulatory matters. Ruth’s key responsibilities include driving regulatory and industry dialogue and developing product and market strategy in line with the evolving regulatory and innovation landscape.

Ruth chairs a number of influential industry bodies such as the Global Public Policy and Regulatory Affairs Committee of BAFT and the BAFT Innovation Regulatory WG, the European Banking Federation Payments Regulatory Expert Group and the European Payments Council (EPC) Payment Security Group. She is also a board member of the EPC and the EBA Association, a member of the European Commission Payment Systems Market Expert Group (PSMEG), a member of BAFT’s Global Innovation Council, a member of the European Biometrics Advisory Council and a member of the UK Payment Systems Regulator Payments Strategy Forum.

In her spare time she mentors FinTech start-ups in London and the US, while pursuing a PhD on blockchain/distributed ledger technology in relation to financial market infrastructures.

Ruth was named as one of 2010s ‘Rising Stars’ by Financial News; named in Management Today’s 2011 ‘35 Women under 35’ list of women to watch (Sunday Times), and one of the 100 Most Influential People in Finance 2012 as named by Treasury Risk Magazine. In 2015 she was the recipient of the ‘Women in Banking and Finance Award for Achievement’ and in 2016 she was on the global ‘Women in FinTech Powerlist’ of Innovate Finance.

She speaks five languages (EN, DE, F, ES, IT) and has completed studies in various countries, including an MA Financial Economics (UK), an MA International Politics (FR) and an LLM in International Economic Law (UK). She published two books: “EU Payments Integration – the tale of SEPA, PSD and other Milestones along the Road” (2010) and “Transaction Banking and the Impact of Regulatory Change: Basel III and other challenges for the global economy” (2014), both Palgrave MacMillan. She occasionally lectures at Queen Mary London School of Law.

Simon Wilson White background

Simon Wilson, Director, Global Payment Solutions, Icon Solutions

Simon Wilson, Icon’s Director, Global Payment Solutions, holds responsibility for managing all aspects of the IPF business, working with clients to leverage the ground-breaking payments platform to drive transformation. A cloud native, open source platform, IPF offers payments providers with an alternative route to payments modernisation. Delivering a unique combination of out of the box modular components, IPF enables real-time payment processing with the flexibility to manage and extend capabilities as if it were an inhouse application. IPF uniquely addresses fundamental needs such as cost of ownership, speed to market, resilience and flexibility.

Simon brings a wealth of experience having worked with Financial Institutions for over 20 years in roles at IBM, Misys (now Finastra), ACI and Token.io. and is focused on ensuring that Icon’s combination of payments and technology expertise, alongside IPF, delivers pragmatic innovation to clients.

Heike Winter, Director Retail Payments Policy, Deutsche Bundesbank 

At the Deutsche Bundesbank, Dr Heike Winter is responsible for policy issues relating to the retail payment system. This comprises committee work in the Eurosystem and in the German banking industry as well as designing the Bundesbank’s range of services for credit institutions. After completing her degree in economics, Dr Winter worked at an institute for economic theory. She joined the Deutsche Bundesbank in February 1999, working initially in the Public Relations and Economic Education Departments before transferring to the Payments Department in March 2007.

Wincie Wong, Head of Innovation for Supply Chain Services, NatWest

Wincie Wong works at the leading edge of creative and disruptive innovation in the banking industry with a digital and financial services background and delivers transformation across RBS running a supply chain management team. An international speaker and a digital evangelist, she is passionate about spearheading the growth of a more diverse technology workforce as co-founder of the RBS Girls Can Code network and founding member of Tech She Can, an organisation of 60+ corporates working together to increase the number of women in technology roles in the UK. Having grown up in New York City, she’s spent the last 9 years across the pond in London where she is passionate about making innovation useful for customers.

Payments Forum 2019 | INSIGHTS

12-13 February, 2019 | London

FEATURED ARTICLES

Filmed Panel discussion:

Artificial Intelligence and its transformational opportunities across business

Panellists: Craig Ramsay, Global Head of Innovation, HSBC, Vikas Munshi, Lead Platform Architect – Data Analytics and Machine Learning, ING and Ville Sointu, Head of DLT and Blockchain, Nordea.

Ahead of the upcoming 2nd Annual Payments Forum 2019 taking place on 12-13 February in London, view this panel discussion from the Payments Forum 2018. This discussion covers AI, Machine Learning and Blockchain.

Video Interview:

What does the future hold for the Payments industry?

Interview with: Craig Ramsay, Global Head of Innovation, GLCM, HSBC, Scott Manson, Head of Strategy for Payments and Banking Products, Nationwide Building Society, Caitriona Whelan, Head of Industry Engagement and Payment Change, NatWest, Marco Marocco, Head of Market Services Division, Intesa Sanpaolo

Ahead of the upcoming 2nd Annual Payments Forum 2019 taking place on 12-13 February in London, view this interview from the Payments Forum 2018.

Video Interview:

Payments industry – Key challenges

Interview with: Scott Manson, Head of Strategy for Payments and Banking Products, Nationwide Building SocietyCaitriona Whelan, Head of Industry Engagement and Payment Change, NatWestMarco Marocco, Head of Market Services Division, Intesa Sanpaolo

Ahead of the upcoming 2nd Annual Payments Forum 2019 taking place on 12-13 February in London, view this interview from the Payments Forum 2018.

ARTICLES

8th February 2019

Project 27 – Creating an integrated region for domestic and cross border payments in multiple currencies in the Nordics

By Hendrik van der Watt, Head Payment Architecture, Danske Bank
1st February 2019

Implementing AI and machine learning tools to detect and prevent application fraud

By Ido Lustig, Chief Risk Officer, BlueVine
24th January 2019

AI is a compliance officers’ best friend

By Yannick Martel, Founder, Bleckwen
16th January 2019

Cyber resilience: Tactics to find and fix security vulnerabilities

By Phil Renaud, Executive Director, The Risk Institute
11th January 2019

Quantifying the level of fraud being experienced in US non-cash payments

By Dave Lott, Payment Risk Expert, Federal Reserve Bank of Atlanta
9th January 2019

Using AI and machine learning to monitor transactions

By Milos Dunjic, AVP, Enterprise Payments Technology Innovation, TD Bank
18th December 2018

Technology Risk Management: Reviewing disruptive technologies across the financial industry

By Dr. Markus Sanio, Enterprise Technology Risk Manager, State Street
18th December 2018

Blockchain revolution: Utilizing technology in security and fraud detection

By Olga V. Mack, VP, Strategy, Quantstamp
11th December 2018

Blockchain – Hype or Opportunity?

By Alex Beigelman, Founder and CEO, Beigelman Risk Advisors
11th December 2018

Center for Financial Professionals announces new FinTech Research and Advisory Board

Senior practitioners across the financial services industry join FinTech Advisory Board for the Global FinTech 250 Report set to be released at the X-Tech 2019 Convention […]
3rd December 2018

Reviewing changes to regulation across the payments landscape and ensuring system readiness for future updates

By Caitriona Whelan, Head of Compliance and Controls, RBS
22nd November 2018

Ensuring system resilience to adapt to the evolution of the new payment landscape

By Dougie Belmore, Head of Payments Industry Engagement, Clydesdale Bank
15th November 2018

Reviewing regulatory changes across the payments landscape and ensuring system readiness for future updates

By Peter Smith, Director, Seneca Investment Managers & Independent Industry Consultant, FinTechReguLab
6th November 2018

The future of payments: Preparing infrastructure for future of payments and innovation

By Julian Sawyer, Chief Operating Officer, Starling Bank
24th October 2018

Using machine learning and predictive analytics to combat cyber threats

By Vikas Munshi, Lead Platform Architect – Data Analytics and Machine Learning, ING Bank

FREE RISK WEBINAR

Evolution of payments landscape: Technology, compliance & business perspectives

Taking place on January 10 2019, 11:30am (GMT)

Key topics to be addressed include:

New Technology – Where are we headed?
Blockchain | Artificial intelligence | Customer interaction

Data | Privacy vs monetisation | Cloud | Mobile Banking

Globalization and digitization of trade is driving demand for real time commerce

The need for stability is driving Open Banking

Payments architecture

Security and fraud detection / prevention

Can’t make the live webinar? No problem, still register as all registrants will receive a full recording of the webinar.

INCLUDING INSIGHTS FROM:

Sameer

Sameer Dubey
Head of Transaction Products, UK
Barclays

Vikas Munshi

Vikas Munshi
Sr. Architect, Global Engineering Platform
ING

Payments Forum 2019 | SPONSORS

12-13 February, 2019 | London

Sponsorship

Can your organisation contribute at our Payments Forum 2019? 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. Please contact sales@cfp-events.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.

How can your organization benefit from a CeFPro partnership?

2019 Co-Sponsor

Bleckwen


Bleckwen, Fintech created in 2016, uses AI to fight fraud and make the world a safer place, in partnership with banks and financial institutions.
Its real-time Machine Learning solution is based on the most advanced technologies to provide an effective and robust response against fraud.
Bleckwen combine complex algorithmic models with interpretability technologies to make the results understandable to employees and customers.

Faced with increasing regulatory pressure and ever evolving fraud challenges, Bleckwen helps you to focus your operational team on added value alerts, to reduce false positive and customer friction, and get ready for Instant and Faster Payments. Bleckwen is incubated by Ercom, one of the French leaders in the communications, data and devices security industry.

Icon Solutions


Icon Solutions is an international award-winning payment and specialist technology provider serving global financial institutions. From IT strategy, architecture and design to software development, Icon enables clients to rapidly capitalise on the latest technology and market drivers to boost profits and ensure compliance with regulatory and industry standards.

The critical value Icon offers its clients is the combination of deep subject matter expertise in instant payments and regulation, a proven track record in delivering bank critical systems, and a FinTech approach to the use of technology. This is evidenced by longstanding client relationships with many of the most important financial institutions around the globe. We are currently working closely with a major European bank to deploy IPF, our innovative RTP solution. IPF also offers a faster and more cost-effective path to accessing The Clearing House real time payments system.

2019 Media Partners

Smart Money Match

Payments Forum 2019 | VENUE & FAQ’s

12-13 February, 2019 | London

Venue


ETC VENUES

MONUMENT, 8 EASTCHEAP
LONDON | EC3M 1AE

Find out more online at:

https://www.etcvenues.co.uk/venues/monument

Nearby Accommodation

The Payments Forum 2019 will take place near Monument Station. If you require accommodation, the following hotels are close by:

Hub by Premier Inn London Tower Bridge
Approx (0.2 mi) from etc venues.

Apex City of London Hotel
1 Seething Ln, London EC3N 4AX
Approx: 0.3 (mi) from etc venues. 

Frequently Asked Questions

Can I present at the Payments Forum 2019?

Yes, the Center for Financial Professionals are happy to discuss speaking opportunities at Payments Forum 2019. For further information on this please contact alice.kelly@cefpro.com or call us on +44 (0)20 7164 6582.

Are there any rules on the dress code?

Business attire is requested. The Forum is a formal opportunity to network with like-minded professionals and to gain knowledge from the industry’s finest risk management experts.

What is the cost and what is included in the registration fee?

We offer incentives for ‘early bird’ registrants of the Forum, as outlined on our pricing structure. Registration includes breakfast, refreshment breaks, lunches, the cocktail reception at the end of the day, full access to the sessions and exhibition area. Presentations from sessions are also available, subject to speaker approval.

Where can I find the Forum documentation and speaker presentations?

All registered attendees will receive an email with access to documentation and speaker presentations after the Forum* We will work with our presenters to include as many presentations as possible on our Risk Insights App during the Forum. *Please note that our speakers often have to gain permission from their relevant compliance departments to release their presentations. On rare occasions compliance may not allow presentations to be distributed.

Will breakfast, lunch and refreshment be provided?

Yes. As with all of our events the Center for Financial Professionals will be providing brilliant coffee, breakfast, lunch, refreshments, and smaller bites during the networking breaks.

Will there be opportunities to network with other attendees?

There are ample opportunities for networking and interaction throughout the Forum, such as

  • Breakfast, lunch and refreshment breaks
  • Cocktail reception at the end of the day (Subject to confirmation)
  • Q&A, panel discussions and audience participation technology available through the Risk Insights App

I have several colleagues that would like to attend, is there a group discount?

Certainly! We are pleased to offer you a 50% discount on the third registration or provide a fifth registration for free. If you would like to register more than five colleagues please contact us on +44 (0)20 7164 6582. Please note:

  • Registrations must be made at the same time
  • Registrations must come from the organisation
  • The lowest registration will be discounted

Are there opportunities to share my thought-leadership at the Payments Forum 2019?

Yes there are plenty of opportunities for the Center for Financial Professionals to share thought-leadership to the attendees of Payments Forum 2019 and our wider risk professionals community. At the event We can distribute your material to the attendees, offer you an exhibition booth, and provide speaking opportunities so that you may enjoy a more prominent presence at the Forum. Visit the Sponsor tab for further information or contact sales@cefpro.com / +44 (0) 207 164 6582. Risk Insights Feature your content on our Risk Insights website and supporting Risk Insights monthly newsletter. For further information please download our media pack here.

Are media partnerships available for Payments Forum 2019?

Yes. As part of a media partnership we can offer a variety of options to increase the branding and awareness of your association, company, certificate, publication or media. We are flexible with what we can offer however we usually:

  • Provide a discounted rate to attend
  • Place your logo and profile on the Forum website
  • Place your logo on the Forum brochure
  • Place your logo on promotional content where applicable
  • Distribute your media/marketing at the Forum
  • Promote through social media channels

To discuss this further please contact jesse.hopkins@cefpro.com or call +44 (0)20 7164 6582

Payments Forum 2019 | WHY ATTEND?

12-13 February, 2019 | London

Why should you attend a CeFPro conference?

  • You’ll gain valuable insights and learnings from industry experts
    Hear current insights from leading industry experts from panel discussions, presentations, Q&A opportunities, case studies plus more…
  • Benchmarking: keep up-to-date with the latest challenges / changes within the industry
    Stay in the know and stay successful – you won’t fall behind on groundbreaking industry news
  • Multiple networking opportunities
    Refreshments breaks, Q&A with presenters, drinks reception and more
  • Excellent registration rates
    Register early for preferential rates
  • Earn CPD points

Hear from past attendees and speakers…

“It offers a chance to see and hear current trends and obstacles first hand from leading experts and to discuss solutions early enough to be implemented easily”
Head of Section, Prudential Policy and Accounting
European Central Bank
“For me one of the greatest benefits is hearing from leading practitioners at other firms about the initiatives and innovations they are introducing into their model risk management practices…I also find the session breaks and luncheons to be opportune times to meet professional colleagues working in my field and share views..”

former Managing Director, Global Head of Model Risk Governance
Credit Suisse
“It’s always good to share views with fellow managers and experts and in my case as the representative of relatively small institution it’s especially important to have the chance to get familiar with solutions adopted by major banking groups.”
Director of Credit Portfolio Management
Bank Pocztowy
“The main benefit of Center for Financial Professionals’ congresses is networking. Here you meet old friends and make new ones who have experiences and insights that they are willing to share. This sharing helps delegates improve their job performance through new skills or better practices. This synergy from multiple experts’ sharing ideas is difficult to replicate”
Director of Enterprise-Wide Risk
BOK Financial

Payments Forum 2019 | REGISTRATION

12-13 February, 2019 | London

Early Bird

Register by 25 January

Save £400

£999*

Standard Rate

Registrations after 25 January

.

£1,399*

*all rates are subject to UK VAT

Group Bookings – 3rd Person Half Price:

Group rates are available for 3 or more attendees from the same organisation, when registering at the same time. The current rate allows every third colleague to come along for half price or the fifth person to attend for FREE! Should you have any questions regarding registering, please contact the Center for Financial Professionals, please contact us on +44 (0)20 7164 6582 (UK) or +1 888 677 7007 (US), or email sophie.goodeve@cefpro.com

Other ways to register

1. Register by Email

Simply email us with your e-signature
and we will do the rest for you!

sophie.goodeve@cefpro.com

2. Contact Us Directly

+44 (0)20 7164 6582 (UK)
or
+1 888 677 7007 (US)

Earn CPD Points

To claim your points please contact info@cefpro.com or call +44 (0) 207 164 6582

2019 Co-Sponsor

TwitterLinkedInFacebookYouTubephone icon 50px