Payments Europe 2020

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 is responsible for all payments functions across the wider group, incorporating Clydesdale Bank, Yorkshire Bank and Virgin Money. In addition, he has previously 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.

Nicki is a director with over twenty-five years treasury and cash management experience, primarily in the Barclays Group and Bank of America. Prior to moving to the banking sector she worked in treasury at Philips Electronics and Whirlpool. She heads a team of product managers responsible for immediate payments across the globe.
Nicki is also a Board Member of the Euro Banking Association(EBA) representing the UK banks and is the Barclays representative on the UK Finance Payments Brexit taskforce.
Nicki holds a BA in Maths, Computing and Economics from Durham University and an MBA from London Business School.

Francis is taking care of the Payment Regulations impacting Global Cash Management. Before he was heading the SEPA offering for the BNPP Group.
He has held several different senior managerial positions and was member of the board at AGF Belgium Bank. He is a payments and clearing expert and was involved in the SEPA process since the start. Francis is a member of various industry committees and represents BNP Paribas in several forums related to development of payments, e-payments and cash management, including the EPC and EBA Clearing. He is EPC Scheme Management Board member, was member of the ECB-TIPS Task Force and co-chaired the ERPB e-mandates working group.

Gianluca D’Imperio is  responsible at UniCredit S.p.A. within Group CIB Compliance, to ensure the correct implementation of EU rules on Payment Services (e.g. PSD2) both at local and Group level. He specialized in Digital Business Transformation providing also advisory support to FinTech and RegTech initiatives of the Group. After completing his degree in economics Dr D’Imperio started his business career in 1999 at the first internet-only Bank in Italy, holding various roles and responsibilities. He joined UniCredit in 2003 and in 2006 he was appointed as Regulatory Compliance Analyst focused on the Italian and European laws concerning banking services.

Giuseppe Era will be presenting at Payments Europe.

Aleksi Grym is a central bank economist, adviser, and former entrepreneur with two decades of experience in tech, startups, global expansion, investment and banking. At the Bank of Finland, he manages a portfolio of cross-departmental projects related to the digital transformation of the financial industry, covering topics such as fintech, payment technologies, and digital currencies.

Nadeem Haque is the Head of Open Banking and Partnerships at Barclays, Corporate Banking, and is responsible for setting the strategic direction in these two evolving areas. Prior to this, Nadeem was the Product Director for the implementation of PSD2 across Europe in Corporate Banking.

Nadeem has an extensive background in payments and cash management having have several roles in institutions such as HSBC and ABN AMRO.

Previously a consultant specialising in payments, Chris has been leading Virgin Money’s payment strategy for the past 5 years – overseeing the move to MasterCard debit card issuing and payment scheme direct participation through a pioneering cloud hosted aggregator.
Chris is passionate about the opportunities presented by open banking and PSD2 – he’s responsible for both the compliance with and exploitation of PSD2 & open banking for one of the largest “non CMA9” banks – shaping the strategy to comply with the best outcomes for customers.

Sam J is a technology leader with over 20 years of experience across multiple fortune 500 companies. Sam is currently the Head of Architecture at Metro Bank with core expertise covering IT Strategy, IT Transformation, Digitising Business and Processes, Setting up financial firms for success using Modern Architecture Frameworks that embed Business and IT through unified operating models, Enterprise, Domain and Business Architecture. Sam also has a broad range of industry exposure covering banking, insurance, payments, telecoms, ecommerce, aviation and engineering. His skills cover building technology solutions that range from highly available, highly resilient, low latency integrated payment platforms to a building a Boeing 737 cockpit simulator. Prior to Metro Bank, Sam has played key roles in technology delivery, governance and leadership at UBS, RBS, IFDS (now DST), Tullett Prebon, BP, Vodafone, 3 UK and GE. He was also the Chairman for the Standards Technical Support Group (STSG) for Payments UK from Aug 2017 to Dec 2018.

An all-round Cyber Security Expert, Banking Professional, and Creative Technologist with over 20 years’ experience in diverse aspects of cyber-security. Proficient in translating business vision and strategies into facts-driven, customer-centric, value enriching, and innovative solutions.

Alex set up the new Consumer Distribution Policy Department in the FCA in October 2018 and is
responsible for policy development across Banking, Payments, Mortgages, General Insurance and
Claims Management Companies. Particular challenges include the successful implementation of
Strong Customer Authentication, increasing innovation in Payments and the desire to help facilitate
Open Finance in the UK. He joined the FCA in 2014 and has been working on a variety of policy and
strategy roles including leading the team developing the FCA’s Mission. Alex started working life as an
economist before moving to a policy focus at the Association of British Insurers where he led their
work on the Retail Distribution Review.

With over twenty years of experience in technology, Andrew started his career in software development before moving on to senior roles in enterprise technical architecture for blue chip organisations across the banking, finance, insurance and telecommunications sectors. Since 2012, Andrew has specialised in FinTech, acting as CTO for a number of disruptive start-ups and providing CTO consultancy to a select number of financial institutions before becoming a founding member of ClearBank.

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.

Jo is currently the European Head of Payments and Cards Product Management, managing existing and new payment and card solutions for business, corporate and FI clients across Europe. Prior to this role she worked in the Global Business Management team on key strategic initiatives for Global Liquidity and Cash Management business. Jo joined HSBC in 2015, having previously spent 14 years with RBS working across retail banking, corporate banking, international banking, SME transformation and cash management product management. Jo is a UK Board member on the European Payments Council (EPC) and acts as a strategic advisor to the Bank of England on payment related items. She holds an MA in Business Organisation.

Sara Ward is the Stakeholder Engagement and Communications Lead for the RTGS Renewal Programme, working in the Bank of England’s Banking, Payments and Innovation Directorate. Her role includes industry liaison, co-ordinating industry input to the programme and ensuring key messages about the Programme are disseminated.

Sara first joined the Bank in 2010, working on the Programme to establish the PRA. She was then Programme Manager for the design, production and distribution of the Bank’s new £5 and £10 polymer banknotes.

Before joining the Bank, Sara worked in Ernst & Young’s Financial Services consulting business where she qualified as a Chartered Management Accountant.

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.

Juergen Von Der Leur will be presenting at Payment 2020

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.

At the Deutsche Bundesbank, Dr Heike Winter is responsible for policy issues relating to digitalisation in payment. This comprises committee work in the Eurosystem and in the German banking industry as well as market analysis. 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.

Tadeja Zupancic will be presenting at Payment 2020