Technology and Innovation Risk 2018

Tech & innovation risk

Technology & Innovation Risk 2018 

Two day conference addressing emerging advances in technology and innovation and leveraging across financial services
Key topics to be addressed on day one | 25 September

New opportunities and making strategic business decisions to leverage technology

Richard Crook

Richard Crook
Head of Emerging Technology

Real-time gross settlement (RTGS) renewal: Enabling the next generation of payments

Victoria Cleland 2018 - TO USE copy

Victoria Cleland
Executive Director Banking, Payments and Financial Resilience
Bank of England

Review and analysis of building a digital infrastructure

Francis Gross- LI

Francis Gross
Directorate General Statistics, Senior Advisor
European Central Bank

Advancing strategic thinking and integrating data sets to enhance decision making and KYC

maciej l

Maciej Lewandowski
Head of Section & Joint Supervisory Team Coordinator
European Central Bank

Plus, hear the latest on:

Customer Authentication | FCA Review | Cyber Security | Regulation | and more…

Day two features a impact of Brexit session and a keynote addres from Starling Bank covering Building a bank and driving innovation before breaking into two individual work streams…

Assessing the impact of Brexit on the industry and regulatory requirements post Brexit

Building a bank and driving innovation

Tatjana Christians - LI

Tatjana Christians
Head of Brexit Execution, Legal Strategy and Bank Structure

Julian Sawyer Headshot

Julian Sawyer
Chief Operating Officer
Starling Bank


Opportunities and uses, and its impact on the financial industry

Reviewing partnerships with FinTechs and the opportunities to increase innovation

Improving practice and efficiency across the industry


Review of fully implementing an open banking system

Assess the changing regulatory landscape and impact of global and jurisdictional variations

Analysing approach to balance innovation and compliance


Matt Glover
Head of Transformation
Unity Trust Bank plc

Bob Ferguson

Bob Ferguson
Head of Department, Strategy & Competition Division

Vikas Munshi

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

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Anastasia Dokuchaeva
Head of Partnership

Peter Smith Headshot

Peter Smith
Director of Seneca Investment Management

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William Piquard
Managing Director Europe

Nicole Sanlder Headshot

Nicole Sandler
Lead Council Innovation

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Nadeem Siam

Register to attend

Year on year we are seeing technology improve, and many forms of innovation aim to revolutionise the way many firms operate. The next 12 months are set to be especially important as blockchain, AI, payments, machine learning and crypto currencies are set to be key talking points within the industry. Don’t miss out on attending to hear the latest developments and regulatory requirements within technology and innovation from a variety of small and large FIs.

Sponsor or exhibit

Sponsorship and exhibition offers unique networking, brand recognition and thought-leadership deliverance opportunities with senior risk professionals from around the world. Whether you want full branding across the event or simply a well positioned exhibition stand, our business development team will tailor the right package for you. We do everything we can to help you get your marketing message across and also to benchmark the return on your investment.

Technology & Innovation Risk | Agenda

Day One | 25 September 2018 | London

08:10 Registration and breakfast

08:50 Chair’s opening remarks
Moderated by: Hugh Burden, Head of Banking, AutoRek

09:00 FCA Review into the latest trends and developments within technology and innovation

  • Work with the Global Sandbox
  • Artificial intelligence
  • Machine learning
  • How the FCA encourages innovation

Bob Ferguson, Head of Department, Strategy & Competition Division, FCA

09:35 The five trends changing payments today

  • What are the biggest trends impacting payments today?
  • Who will benefit?
  • How can leaders drive the right kind of rapid change to take advantage of them?
  • Why choice for consumers and merchants remain the key

Charlotte Duerden, Managing Director UK, American Express

10:10 Filtering new technology: Navigating the waters of new opportunities and making strategic business decisions to leverage technology

  • Application in practice to leverage opportunity
  • Filtering technologies and knowing where to apply them
  • Defining tangible business cases and technology choices as a result
  • Turning into a practical, realisable opportunity for banks
  • Maturity of different technologies and organisations
  • Dimensions to assess decision making
  • Investment decisions for large institutions used to multiyear enterprise wide investments
    • Governance and assessment criteria going against corporate structures

Richard Crook, Head of Emerging Technology, RBS

10:45 Morning refreshment break and networking

11:15 Real-time gross settlement (RTGS) renewal: Enabling the next generation of payments

  • Supporting settlement across innovative payment technologies: A proof of concept
  • Expanding access to enhance financial stability and promote competition
  • Driving innovation, harmonisation and resilience through the implementation of ISO 20022

Victoria Cleland, Executive Director Banking, Payments and Financial ResilienceBank of England

11:50 Review and analysis of building a digital infrastructure

Francis Gross, Directorate General Statistics, Senior Advisor, European Central Bank

12:25 Lunch break and networking

13:25 Tackling sophisticated payment fraud and cyber crime in the age of digital access and real-time payments

  • Combating the growing risk of account take over, payment fraud & cyber threats in the context of global real-time payments
  • Leveraging behavioural analytics to prevent fraud
  • How to build cyber resilience in order to respond, recover and adapt
  • Protecting your business from financial crime attacks and risk
  • Payment landscape
  • Fraud landscape
  • Faster payments
  • Leveraging data in fraud prevention

Andrew Davies, VP, Global Market Strategy, Financial Crime Risk Management (FCRM), Fiserv

14:00 Developing infrastructure, technology, process and people to enhance innovation and ensure adaptability

  • Patchwork of various acquisitions and add-ons
  • Difficulty extracting data and implementing new products
  • Developing IT infrastructure
    • Current infrastructure patchwork of acquisitions
  • Cost implications to upgrade systems and risk considerations
  • Moving from legacy systems and hardware into cloud environments
    • Unlocking value and using in financial institutions
  • Getting value out of new and emerging technology
  • How will the new payments architecture influence the way we innovate

Craig Ramsay, Global Head of Innovation, GLCM, HSBC
Matt Glover, Head of Transformation, Unity Trust Bank plc

14:50 Biometrics in the real world of financial services

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

15:25 Afternoon refreshment break and networking

15:55 Advancing strategic thinking and integrating data sets to enhance decision making and KYC

  • Integrating data sets at banks vs. FinTechs
  • Changing strategic thinking and the way banks do business
  • Collaboration with FinTechs
  • Making better decisions with what is learnt about customers
  • Aggregation of accounts and analyse spending
  • Using data as a predictor of credit rating

Nadeem Siam, CEO, Welendus
Maciej Lewandowski,
 Head of Section & Joint Supervisory Team Coordinator, European Central Bank
Nicole Sandler, Lead Council Innovation, Barclays
Francis Gross, 
Directorate General Statistics, Senior Advisor, European Central Bank

16:45 New techniques to increase customer identification and authentication to increase security and protect sensitive data

  • Fraud perspective – use identity to open online-banking
  • Accuracy of devices and user experience
  • Machine vs. human
  • Cloud vs. on-brand data centre
  • What are of authenticators and images:
    • Biometrics, card and readers, voice biometrics etc.

Robert Woods, Strategic Fraud Prevention Initiatives, Lloyds Banking Group

17:20 Chair’s closing remarks

17:30 End of day one and networking drinks reception

Day Two | 26 September 2018 | London

08:15 Registration and breakfast

08:50 Chair’s opening remarks
Moderated by: Gabriele Sabato, Co-founder and CEO, Wiserfunding

09:00 Assessing the impact of Brexit on the industry and regulatory requirements post Brexit

What happens to these post Brexit; GDPR & PSD2?
What a hard Brexit could mean for the industry
Impacts on technology and innovation
Product availability across Europe

Tatjana Christians, Head of Brexit Execution, Legal Strategy and Bank Structure, Barclays

9:45 Building a bank and driving innovation: Case study on how starling was created & the next steps

Building a Bank from scratch
Creating an innovation agenda & maintaining that culture while growing
What next

Julian Sawyer, Chief Operating Officer, Starling Bank

10:30 Morning refreshment break and networking

Stream one: Technology & Innovation
Moderated by: Gabriele Sabato, Co-founder and CEO, Wiserfunding

Stream two: Regulatory developments
Moderated by: Adam Gagen, Vice President Government Affairs, American Express

11:00 Reviewing the opportunities and potential use cases of distributed ledger technology and its impact on the banking industry

  • Opportunities available with emerging technology
  • Heightened risk
  • Getting value out of AI through DL
  • Trust of banks is replaced by new technology providers
  • Potential, practical and further use opportunities
  • Encounters to date and foresight on the horizon
  • Brand replicated through technology rather than legacy
  • Opportunities created by FinTechs
    • Integrating capabilities into bigger organisations

William Piquard, Managing Director Europe, Gatecoin

11:00 Nine months after PSD2-Day: an update from the EBA

  • Progress update
  • EBA guidelines on fraud reporting
  • EBA guidelines on NCA’s assessment of the exemption to the fallback
  • The EBA Register

Dr Dirk Haubrich, Head of Conduct, Payments and Consumers, European Banking Authority

11:40 Assessing the use of artificial intelligence across the industry to enhance banking practices and efficiency

  • Impact on real economy and market developments
  • Balancing efficiency of processes and costs
  • Using AI to personalise the service offered to customers effectively
  • Self-learning algorithms
    • Limiting learning: structuring to learn only wanted areas and limiting side effects
  • Oversight and supervision
  • When can AI replace human logic and interaction
  • Potential uses for initial customer contact
  • How will AI, Machine learning & robotics be regulated pre & post brexit?
  • What impacts to robotics & AI profiling will GDPR have?

Peter Smith, Director of Seneca Investment Management, FinTechReguLab
Gabriele Sabato, 
Co-founder and CEO, Wiserfunding
Vikas Munshi,
 Lead Platform Architect – Data Analytics and Machine Learning, ING Bank

11:40 Analysing the post implementation impacts of PSD2 and open banking, and lessons learnt

  • Developments and impact on business models and industry
  • Banks and tech providers getting the most out of new environment
  • Do customers understand the ramifications of PSD2 and screen-scraping
  • Impact on range of business models across new and older banks
  • Challenging and changing banks and FinTech models

David Ballaschk, Senior Payments Expert, Deutsche Bundesbank
Amer Bhatti, 
Chief Compliance Officer and Legal Counsel, Welendus
Nick White, VP, Product and Marketing EMEA, Fiserv
Lee McNabb, Payment Innovation and Strategy Consultant, Payments, NatWest

12:30 Lunch break and networking

13:30 Monetising on collaborative partnerships with FinTechs and utilising opportunities to develop innovation

  • Innovation perspective
  • Partner with FinTechs based on specific customer need
  • Can opportunities with FinTechs be monetised?
  • Working with FinTech start-ups and new technologies
    • Practicalities and implementation
  • Moving into markets from an innovation perspective
  • Mobilising organisations to be more nimble

Craig Ramsay, Global Head of Innovation, GLCM, HSBC

13:30 FinTech Frontiers – With PSD2 How the robots will be regulated

  • The development of PSD2
  • Prospect of developing open banking & using AI
  • How the government & regulators are looking to regulate this

Peter Smith, Director of Seneca Investment Management, FinTechReguLab

14:10 The decentralised privacy conundrum: How to reconcile the need for confidentiality and transparency

  • Confidentiality in decentralised projects
  • Total anonymity versus complete openness
  • Legal restrictions and adoption
  • How to solve the antithesis between privacy and transparency
  • Roadmap to compliant security token offerings

Emanuele Francioni, Project and Tech Lead, Dusk

14:10 Reviewing the ability to navigate and prosper through regulatory change and balancing innovation with compliance

  • What does it mean to run an effective organisation with all regulatory changes
  • Updating regulation alongside new emerging technology
  • Machine-learning and self-learning algorithm – is it always in line with regulation? Does it need reviewing constantly?
  • Adapting to the new environment with FinTechs and banks
  • Regulating FinTechs
  • Prioritising and planning with influx of enforced regulatory changes coming through

Anastasia Dokuchaeva, Head of Partnerships, ClauseMatch

14:50 Leveraging machine learning technology to advance data analytics and customer interaction

  • Data analytics – augmenting with humans
    • Improving human interaction rather than replacing
  • Data and analytics for machine learning
  • Making humans better rather than replacing them

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

14:50 Assessing the changing regulatory landscape and the impact of global and jurisdictional variations

  • Jurisdictional deviation
  • Increasing global harmonisation
  • Changes across borders regarding to global payments
  • Landmark approach cross country and jurisdiction
  • Security financial transaction regulation, simple transparent securitisation, EMEA refit and fitness checks
  • Further implementation of the G20 Pittsburgh Directive: Transparency and risk litigation

Dawd Haque, Market Initiatives, Regulatory Transformation & Strategy, Deutsche Bank

15:30 Chair’s closing remarks

15:40 End of Summit

Technology & Innovation Risk | Speakers

David Ballaschk, Senior Payments Expert, Deutsche Bundesbank

After attending Martin-Luther-University in Halle (Saale) and majoring in Economics and Statistics, David Ballaschk started working for the Bundesbank in 2014. After finishing the trainee programme, he started working for the payments department and now specializes on Instant Payments, FinTechs and the impacts of Digitalisation in payments.

Amer Bhatti, Chief Compliance Officer and Legal Counsel, Welendus

Amer Bhatti will be presenting at the forthcoming Technology & Innovation Risk Summit.

Hugh Burden, Head of Banking, AutoRek

Hugh has spent 20 years working across both public and private sector organisations. He started his career in Germany where he held a global role in one of the world’s leading electronics firms. In 2003 he moved to London and Financial Services to help a wide variety of firms evaluate and execute their strategic opportunities. Before joining AutoRek he worked as a Director with the KPMG Financial Services practice in London where he consulted with leading financial institutions on their operational and regulatory options.

Hugh joined AutoRek in January 2016 to head up the Banking Sector where he works with AutoRek’s clients including leading retail banks, the challenger sector and crowdfunding platforms. His day job involves close contact with IT, Operations & Finance professionals identifying how AutoRek’s Financial Data Control Solution can provide them a transparency that allows them to manage their business most effectively.

Hugh regularly chairs industry events and features in external publication and Asset TV. He follows industry events closely and is interested in the developing segment of Automation, Robotic Process Automation and Cognitive Automation.

Hugh is married and has two boys, he enjoys all sports and is a particularly keen rugby fan.

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Tatjana Christians, Head of Brexit Execution, Legal Strategy and Bank Structure, Barclays

Tatjana is a Director in the Legal Strategy and Bank Structure department of Barclays and responsible for the legal execution of the European Referendum Response (Brexit) Programme.

She started her career as a commercial litigator at White & Case LLP in Germany and came to Barclays in 2010 as GC for the German retail business (Barclaycard). Tatjana has been member of the Barclaycard Germany ExCo and in her role was also responsible for Citizentship as well as D&I.

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Victoria Cleland, Executive Director Banking, Payments and Financial Resilience, Bank of England

Victoria Cleland is the Executive Director for Banking, Payments and Financial Resilience. She leads the teams responsible for:

  • the operation and strategic development of the Bank’s payment system services, including the UK’s real‐time gross settlement infrastructure (which settles over £500 billion of sterling payments and securities transactions each day)
  • the Bank’s wholesale and retail banking operations, including the provision of emergency liquidity assistance
  • assessing the Bank’s financial risks

Victoria is a member of the RTGS/CHAPS Board which provides strategic leadership for our payment systems: RTGS (real-time gross settlement) and CHAPS (Clearing House Automated Payment System).

Victoria has held several senior positions in a range of areas.  Mostly recently, as Chief Cashier she was responsible for banknotes (from design to distribution) and led the Bank’s work on digital currencies.

Before that she was Deputy Head of the Special Resolution Unit, and previously Private Secretary to the Deputy Governor.  Her work included overseeing payment and settlement systems, financing small businesses and graduate recruitment.

Victoria is the Executive Sponsor of the Bank’s staff Disability Network and Bicycle Users Group.  She is a Vice President of the Royal Society for Blind Children.

Victoria has a degree in philosophy, politics and economics from Oxford University and a business administration (MBA) from Imperial College London.

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. He advises financial institutions regarding their deployment of biometric authentication and digital identity strategies; assisting in the process of vendor selection, biometric modalities and types of solutions. Steve has over six years’ experience in the biometrics industry previously with Daon and Facebanx.  He now operates his own consultancy business Biometrics for eCommerce and he is currently providing services to a fintech start-up FaceTec as well as a major European bank.

Richard Crook
Richard Crook, Head of Emerging Technology, RBS

Richard leads a team of engineers and innovators looking at emerging technologies, such as distributed ledger technology, quantum computing, AI, AR/VR & Machine Learning, and how their application across RBS can reduce costs, gain efficiency and better customer experiences. Richard has a 20-year career in investment banking technology, specializing in the building of financial ledgers and regulatory reporting for the largest financial service institutions.

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Andrew Davies, VP, Global Market Strategy, Financial Crime Risk Management (FCRM), Fiserv

Andrew Davies is vice president, global market strategy, Financial Crime Risk Management solutions. In this role, he works with Fiserv customers around the world to design and deploy effective risk management solutions to mitigate financial crime risks with particular focus on compliance, money laundering and fraud. He is also responsible for seeking new markets and applications for Fiserv’s financial crime detection and prevention solutions. Davies joined Fiserv in 2007 through the acquisition of NetEconomy. He has worked in the software industry for more than twenty years supporting many of the world’s largest financial institutions, both private and public. Davies’ experience covers real-time payments, front-office trading, risk mitigation of financial crime risk, settlement risk, and more.

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Anastasia Dokuchaeva , Head of Partnerships, ClauseMatch

Anastasia Dokuchaeva is a seasoned professional with expertise and proven track record delivering regulatory technology solutions to the financial services industry.  In her role as Head of Partnerships at ClauseMatch, Anastasialooks after strategic partnerships and projects around recent and upcoming regulations (e.g., 4MLD, MiFID II, and GDPR), and broader compliance topics such as regulatory change management and repapering.  Prior to this, Anastasia was Director of Global Regulatory Solutions at FactSet, where under her leadership the company released a number of successful solutions for Solvency II, BCBS 239, and KYC/AML.   Anastasia is a frequent speaker at industry events with the focus on challenges around data management and standards.

Charlotte Duerden
Charlotte Duerden, Managing Director UK, American Express

Charlotte is Managing Director UK for American Express. In her role, Charlotte has responsibility for the company’s activities in the UK. This includes leading American Express’ consumer services and international currency card businesses as well as managing the company’s insurance business.

Charlotte joined American Express in 2000 and has worked for the financial services company in the UK, Australia and New Zealand. Over this time she has held senior roles including Head of Product, Pricing & Portfolio Management for Europe and Head of Brand and Marketing.

Charlotte is passionate about people development within American Express and is a strong advocate for diversity and inclusion. In addition to hosting American Express’ annual Leadership Academy for not-for- profits, she takes an active role in the company’s Women’s Interest Network.

Outside of American Express, Charlotte is a non-executive director for UK Finance, the trade association representing nearly 300 UK companies providing finance, banking, markets and payments-related services. She is also a trustee of the Friends of St Marcellin’s Children, a charity supporting orphans and vulnerable children in Africa.

Bob Ferguson
Bob Ferguson, Head of Department, Strategy & Competition Division, FCA

Bob Ferguson is a Head of Department in the Strategy and Competition Division of the Financial Conduct Authority, working on the FCA’s Regulatory Handbook of rules and guidance in relation to Brexit, having previously guided the formation and operationalisation of FCA’s Innovate project. Innovate encapsulates the FCA’s active engagement with the innovation community and with Fintech in particular, and aims to make the regulatory system more innovation-friendly. Previously, Bob was also responsible for supervision of wealth managers and private banks, and before that, Head of Financial Crime & Intelligence.

Bob graduated in law at Edinburgh University, and taught law in Cardiff and Dundee. He is also a visiting professor of law at Queen Mary, London.

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Emanuele Francioni, Project and Tech Lead, Dusk

An entrepreneur, angel investor and inventor of several novelties in real-time locating service and connected car applications, Emanuele is a strong believer in the revolutionary impact of blockchain technology in geolocation, logistics, supply chain and fintech.

As a public speaker and founder of several blockchain related businesses, his goal is to promote and kickstart new business models built around the concept of autonomous decentralisation and trust-less transactionality.

Having spent more than a decade in leading various multi-disciplinary development teams, he has delivered multi-million technology projects for top corporate organizations, such as Tomtom, Commerzbank and Vitrociset.

As an entrepreneur with a proven capital raising track-record, he has launched three separate startups in the realm of IoT, connected car and fog computing and i actively advising organizations in the smart mobility and e-commerce sector.

At times he loves to play jazz with his bass guitar and write magical-realism inspired Novels.

Matt Glover, Head of Transformation, Unity Trust Bank

Matt Glover is the Head of Transformation at Unity Trust Bank. He is responsible for the Bank’s change agenda and is responsible for developing a scalable operating model across the business. Matt has over 15 years of experience within banking including Islamic banking and the use of cloud technologies.

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Francis Gross, Directorate General Statistics, Senior Advisor, European Central Bank

Francis Gross is Senior Adviser in the Directorate General Statistics of the European Central Bank. His interests include developing vision and strategy for overcoming the dual disruption of rapid globalization and digitization, as well as designing and driving the implementation of concrete, feasible measures with transformational power to ultimately deliver measurement tools effective at the scale and speed of today’s finance, especially in a crisis. The underlying strategic credo to achieve that goal is that authorities and the private sector must work together to make the world more measurable by building global data standards and data infrastructures. His immediate focus is on the “real world – data world” interface, primarily object identification. He serves on the Regulatory Oversight Committee of the Global LEI System (GLEIS) and has been instrumental in the emergence and development of the GLEIS. Prior to the ECB, Francis spent fifteen years in the automotive industry, eight of which at Mercedes, working mainly on globalisation, strategic alliances and business development. He holds an engineering degree from École Centrale des Arts et Manufactures, Paris, and an MBA from Henley Management College, UK

Dawd Haque
Dawd Haque, Market Initiatives, Regulatory Transformation & Strategy, Deutsche Bank

I am the primary represent for Deutsche Bank on Trade Association Committees and Working Groups as well as Infrastructure and service provider committees.

I work with Market participants to identify upcoming Regulatory obligations and changes to existing obligations. Where appropriate I collaborate with these groups to quantify the impact, bring clarity and build Market wide solutions such as Best Practices and formation of Utilities.

Prior to Deutsche Bank, I have worked in most of the tier one-investment banks in both the business and implementing regulatory change.

Dirk Haubrich
Dr Dirk Haubrich, Head of Conduct, Payments and Consumers, European Banking Authority

Dr Dirk Haubrich is Head of Conduct, Payments and Consumer Protection at the European Banking Authority (EBA). The EBA regulates credit institutions, payment institutions, electronic money institutions and other financial institutions across the 28 EU Member States. Dirk leads the EBA’s work on payment services; depositor protection; consumer protection; anti money laundering and other conduct issues. Previously, Dirk held managerial roles across the private and public sectors and teaching and research roles in the academic sector, with consulting firm Accenture; University College London, the University of Oxford; the UK Prime Minister’s Strategy Unit; the UK Electoral Commission; and UK Financial Services Authority.

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Maciej Lewandowski, Head of Section & Joint Supervisory Team Coordinator, European Central Bank

Maciej Lewandowski is a seasoned banking professional with 20+ years of experience ranging from credit risk management and financial control to corporate banking, derivatives and fixed income.

Currently (since June 2014) he is working in ECB Banking Supervision (aka Single Supervision Mechanism – SSM) as Head of Section & Joint Supervisory Team (JST) Coordinator, responsible for consolidated supervision of one of the largest Dutch banks. As JST Coordinator, he leads risk identification and implementation of risk-based and forward-looking Supervisory Examination Program. He took part in the start-up phase that included recruitment as well as fine-tuning of tools and processes. He is responsible for the international team of experts located in Frankfurt and Amsterdam.

Prior to joining ECB, Maciej worked in various roles in a number of banks: PKO Bank Polski 2008-2014 (Head of Credit Risk Assessment Department, member of Bank’s Credit Committee, Advisor to CEO), HSBC 2008 (Head of Structured Finance) and Citi in Poland and Hungary 1996-2008 (Debt Capital Markets, Derivatives Sales, Financial Control).

Maciej has graduated from Warsaw School of Economics and holds a Master Degree in Banking and Finance.

Lee McNabb
Lee McNabb, Payment Innovation and Strategy Consultant, Payments, NatWest

Lee has extensive banking experience in product management, risk and payments strategy. With responsibility for payment strategy Lee supports customers across multiple brands collaborating with internal and external payment partners.

Lee recently joined NatWest after 12 years at the Co-operative Bank where he held senior leadership roles within product and payments. Latterly owning the payment strategy together with responsibility for regulatory change including PSD 2 and scheme relationships.

Married with a daughter, Lee is a keen footballer and captains his local side. He is an ardent supporter of Liverpool FC and has followed them all over Europe.

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

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.

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William Piquard, Managing Director Europe, Gatecoin Limited

William Piquard: ex-COO and new Europe Managing Director of Gatecoin, a cryptocurrency and blockchain token exchange headquartered in Hong Kong. As Gatecoin was the first exchange to list ether in 2015 and underwrite ICOs, William gives regular talks about his experience and observations of the dapp and token space, the regulatory developments and what he sees as the major trends driving crypto-token markets in the future. He has already participated in a wide variety of industry events including Inside Bitcoins (Seoul), Fund Forum Asia (Hong Kong) and the Nikkei Fintech Summit (Tokyo). Originally from Paris, William graduated from HEC Paris and also holds a CEMS Master degree in International Business

Craig Ramsay Headshot
Craig Ramsay, Global Head of Innovation, GLCM, HSBC

Craig joined HSBC in 2014 and is Global Innovation Lead for Global Liquidity and Cash Management. In this capacity, his role is focused on identifying new opportunities for HSBC to leverage technology from the Fintech community and deliver value to HSBC’s corporate clients. His past experience of delivering innovation within Financial Services gives him a great perspective on the challenges that Fintechs face in working with global international banks.

Craig has over 12 years of experience of leading innovation and change within financial services. Prior to joining HSBC Craig was responsible for technology delivery at Citi. Prior to Citi, Craig was part of the Innovation team at Barclay’s where he launched the first integrated contactless credit numerous first-to-market innovations in consumer and merchant payments.

Craig attended the University of Hertfordshire where he obtained a Masters Degree in Mechanical Engineering. He is a regular guest lecturer on the topic of Innovation and Change at the London Business School.

Gabriele Sabato, Co-founder and CEO, Wiserfunding

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.

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Nicole Sandler, Lead Council Innovation, Barclays

Nicole Sandler is a lawyer in SSCOO Legal at barclays. She focuses on the impact of Fintech related regulation and initiatives including cryptocurrencies on Barclays in the UK and globally, such as advising on various sandbox and regulatory initiatives proposed by regulators and policymakers including the FCA, MAS, CFTC, Fed, EC and Japanese FSA.  Nicole engages with regulators and policymakers globally for Barclays including chairing a meeting with the Fed and sitting on panels with the FCA.  Further she represents Barclays in various regulatory and policy forums and industry groups. For example, Nicole is a member of the FMLC Technology Scoping Group at the BoE, the JWG RegTech Council, the UK Finance Digital Strategy Finance Group and also represented Barclays at the EDCAB virtual currency and blockchain roundtables at the European Parliament.   Nicole regularly speaks on panels and presents at conferences and was recently shortlisted as a finalist for a WeAreTheCity Rising Star Award in Fintech and is on the Innovate Finance Women in Fintech Powerlist 2017.

Julian Sawyer Headshot
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.

Nadiam Siam copy
Nadeem Siam, Founder & CEOWelendus

Nadeem founded Welendus early in 2015 to address the market need for an ethical more affordable short-term lending product. His approach to the short-term lending problem was quite novel with a peer-to-peer approach or what Welendus refers to as “Short-term credit from the people to the people”. A vision to create a short-term credit product that funnel the return back to the society was not evident in the market. Now, Welendus is fully authorised and regulated by the Financial Conduct Authority (FCA) with thousands of users. Nadeem is a Space Engineer by background, and has worked for RUAG Space and some projects for NASA and the European Space Agency (ESA) before moving to other Engineering roles prior to starting Welendus. Nadeem has 2 MSc in space engineering from Sweden and the UK and has lived in many other countries including Egypt, Finland, Germany, Sweden, Nigeria and the USA.

Peter Smith Headshot
Peter Smith, Director of Seneca Investment Management, FinTechReguLab

Peter is the former Global Head of Industry Policy Liaison at TISA, the premier industry funded body working with the financial services industry, UK political parties, European Parliament, Treasury, HMRC, DWP, TPR, and the FCA, to enhance & improve the range, features, benefits, promotion and quality of savings & investment schemes to all UK citizens. TISA’s scope and approach to policy development has changed over recent years. This change has seen TISA moving from a reactive policy organisation to an organisation that takes a proactive stance to policy development through the development of fact based, policy thought leadership. TISA is also increasingly the instigator or developer of new industry services.
TISA remains independent and develops neutral views and opinions. This impartiality is reflected in the ability to drive development projects & policy which improves industry performance and standards and puts TISA in the unique position of being able to constantly challenge the status quo to bring about material improvement for industry and consumer outcomes.
Peter’s role at TISA covers the entire financial services industry, incorporating cross sector policy work with both ministers & regulators within the UK and EU, and cross industry. He has technical expertise across a range of financial services subjects, whilst maintaining a solid dialogue with government, the regulators and wider industry.

Peter is a member of the TISA Executive Team and leads on Financial Services Industry Liaison. His work covers policy matters across financial services distribution, platforms, technology innovation, and retirement as well as a number of project groups including Digital Identity, New Technology Innovation (FinTech, Reg Tech, Insur Tech & Pens Tech), FAMR, MiFID, PRiiPs, PSD2, GDPR, Brexit and other working groups. He has a strong presence in public affairs and public policy work. He is a regular contributor to industry publications and provides commentary on various industry issues.
Prior to TISA, Peter was UK Strategy Director for Legal & General Group. His work included strategic planning on market developments both legislative and tactical & key strategic relationships within the UK intermediary market. He has over 40 years experience in the UK Financial Services & Intermediary markets and a wide knowledge of key strategic industry issues.

Nick White high res Colour
Nick White, VP, Product and Marketing EMEA, Fiserv

As a passionate believer that technological change always brings opportunity, Nick White has been building digital services in the mobile, media and fintech space for over 20 years. Having worked with some of the worlds most admired brands including Virgin, Vodafone, and Barclays, Nick has helped create successful customer-focused digital propositions as well as help define and build the enabling B2B fintech capabilities required to transform the pace of innovations within financial services. Nick is VP Product and Marketing, EMEA, Fiserv and is currently leading the roll out of Open Banking from Fiserv, a fully managed service to enable banks to get compliant and stay compliant with Open Banking regulations.

Robert Woods - LI
Robert Woods, Strategic Fraud Prevention Initiatives, Lloyds Banking Group

Rob Woods is the Senior Manager for Fraud & Authentication Strategic Initiatives at Lloyds Banking Group, with responsibility for shaping future authentication and identity strategy to optimize customer experience against a changing regulatory landscape. In this role, Rob is focused on the roadmap and delivery pipeline of the Fraud Prevention Transformation Projects whilst ensuring innovation is deployed to improve the customer journey, while keeping consumers safe and secure online. He has spent seven years at Lloyds and previously held roles in the Retail and BPO sectors.

Technology & Innovation Risk | Insights


Panel discussion: Artificial Intelligence and its transformational opportunities across business

Head of DLT & Blockchain, Nordea
Lead Platform Architect – Data Analytics & Machine Learning, ING
Global Head of Innovation, GLCM, HSBC

3rd September 2018
Francis Gross Interview

Review and analysis of building a digital infrastructure

By Francis Gross, Directorate General Statistics, Senior Advisor, European Central Bank
21st August 2018

The evolving technology and innovation landscape

By Hugh Burden, Head of Banking, AutoRek
21st August 2018

Analysing the post implementation impacts of PSD2 and open banking, and lessons learnt

By David Ballaschk, Senior Payments Expert, Deutsche Bundesbank.
21st August 2018

Assessing the use of artificial intelligence across the industry to enhance banking practices and efficiency

By Gabriele Sabato, Co-founder and CEO, Wiserfunding.
26th July 2018

AI and machine learning – General definitions and Fraud / AML applications

By Eric Wagner, Head of Group Financial Crime, Erste Group AG 
19th July 2018

Technology & Innovation Webinar: Opportunities on the horizon for regulatory reporting and RegTech

11th July 2018

Regulatory insight with CRO, Inter-American Development Bank

2nd July 2018

Banks should pursue efficient and scalable “model factory” management

By Steve Turner, Managing Director, Jonathan ‘Wes’ West, Managing Director and Kaushik Deka, CTO, Novantas. 
21st June 2018

Navigating the waters of new opportunities and making strategic business decisions to leverage technology

By Richard Crook, Head of Emerging Technology, RBS.
18th June 2018

Assessing the impact of Brexit on the industry and regulatory requirements post Brexit

By Tatjana Christians, Head of Brexit Execution, Legal Strategy and Bank Structure, Barclays.

Technology & Innovation Risk | Sponsorship

2018 Knowledge Partners:

American Express

American Express will be presenting at the forthcoming Technology and Innovation Risk Summit.


Fiserv drives innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimisation. A global leader in financial services technology, Fiserv is a FORTUNE 500 company and is on the FORTUNE Magazine “World’s Most Admired Companies®” list.

Our solutions deliver intelligent experiences in banking, payments, engagement and security – experiences that help more than 12,000 banks, credit unions, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients provide financial services at the speed of life. Visit to learn more.

2018 Co-Sponsors:


AutoRek is a global provider of financial controls, data management and regulatory reporting software. Our suite of solutions include:

• Compliance and regulatory reporting solutions, including CASS and MiFID II Transaction Reporting;
• Financial control frameworks;
• Balance sheet certification/account attestation;
• High-volume data migration; and
• Automated cash allocation.

Key benefits from implementing AutoRek include:
• Mitigating risk of regulatory breaches;
• Real time insight into status and exposure;
• Reduced dependency on manual processing;
• Single repository for control frameworks and data management;
• Automated workflow for governance and audit;
• Efficient electronic sign off and record retention; and
• Adaptability to meet new regulatory requirements.

Our solutions are purpose-built to improve the quality and efficiency of financial data management, from cost reduction and process efficiency projects, to improving adherence to regulatory reporting requirements.

Wiser Funding

Wiserfunding is a London-based FinTech company specialised in assessing the credit risk of small and medium sized enterprises (SMEs). Through our online platform, we allow businesses looking to obtain finance or lenders and insurers looking to price the risk of business applicants to get more accurate data to make better decisions quicker than ever before. Wiserfunding provides SMEs across Europe with a credit score based on past financial history and a range of publicly available structured and unstructured data.


Can your organisation contribute at our Technology & Innovation Risk 2018 Summit? 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 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.

2018 Media Publications

We are happy to support publications, associations and organisations at this event. From a simple company listing with your logo to taking advantage of some of our sponsor benefits listed above. To discuss a media partnership further please email or call +44 (0)20 7164 6582.

Fintech Weekly
The Record

Technology & Innovation Risk | Venue & FAQs

ETC. Venues
Monument- 8 Eastcheap

Nearby Accommodation

The Technology and Innovation Risk 2018 Summit will take place in a great location on Eastcheap 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. 

Click here to view more nearby hotels

Mounument 8 Image

Frequently Asked Questions

Can I present at Technology & Innovation Risk?

Yes, the Center for Financial Professionals are happy to discuss speaking opportunities at Technology & Innovation Risk. For further information on this please contact or call us on +44 (0) 20 7164 6582.

Are there any rules on the dress code?

Business attire is requested. The Summit 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 Summit, 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 Summit documentation and speaker presentations?

All registered attendees will receive an email with access to documentation and speaker presentations after the Summit* We will work with our presenters to include as many presentations as possible on our Risk Insights App during the Summit. *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 Summit, 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 Technology & Innovation Risk?

Yes there are plenty of opportunities for the Center for Financial Professionals to share thought-leadership to the attendees of Technology & Innovation Risk Summit 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 Summit. Visit the Sponsor tab for further information or contact / +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 Technology & Innovation Risk Summit?

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 Summit website
  • Place your logo on the Summit brochure
  • Place your logo on promotional content where applicable
  • Distribute your media/marketing at the Summit
  • Promote through social media channels

To discuss this further please contact or call +44 (0) 20 7164 6582.

Free Risk Management Webinar

Technology and Innovation: Opportunities on the horizon for regulatory reporting and RegTech

Taking place on 18 July @ 2pm (BST).

Key topics to be addressed in this Webinar:

Keeping up with racing technology
Real time monitoring of complex systems

Data and infrastructure

Impact of the cloud on reporting

– Adopting new standards – Where we are from industry and global perspective

Security challenges

Artificial Intelligence
– Biased technology

Hear from…

Dawd Haque

Dawd Haque
Market Initiatives, Regulatory Transformation & Strategy
Deutsche Bank

Francis Gross- LI

Francis Gross
Directorate General Statistics, Senior Advisor
European Central Bank

Tatjana Christians - LI

Tatjana Christians
Head of Brexit Execution, Legal Strategy and Bank Structure

Technology & Innovation Risk | Registration

Event: Early Bird
Register by 14 September
Standard Rate
Registrations after 14 September
Technology and Innovation Europe 2018

Register here

(Save £300)

(There are a limited number of reduced sale prices for FinTech Start-ups. To see if your organisation qualifies please click here)

Registration includes full access to the two day conference, soft copies of all available presentations, and breakfast, lunch, and afternoon refreshments on both days. Should you have any questions regarding registering, please contact the Center for Financial Professionals, please contact us on +44 (0)20 7164 6582 or +1 888 677 7007 (US), or email *All rates are subject to UK VAT

Group Bookings:

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 a fifth colleague to attend for free

Other ways to register

Save time – Register by email

Simple email us your e-signature – and we will do the rest for you!

2. Contact Us Directly

3. Download the PDF Registration Form

Keep Updated


Interested in Technology & Innovation Risk but not ready to register? Click here to keep updated.

2018 Knowledge Partners:

2018 Co-Sponsors:


Can your organisation contribute at our Technology & Innovation Risk Summit 2018? 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. Below is an outline of what we can offer, but please contact 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.