Speakers

Axa

Michal Matul

Michal Matul has joined AXA’s Emerging Customers team early 2017 after 9 years at ILO’s Impact Insurance Facility, a leading think-tank in inclusive insurance. He is supporting AXA to build internal capabilities and develop new solutions for low- and middle-income households in emerging markets. Michal’s work has been focusing for more than 15 years on understanding financial behaviours and improving risk-management options for low-income households. His previous assignments include work with PlaNet Finance in West Africa and with Microfinance Centre in Eastern Europe. He holds a Master’s degree from Sciences Po (Paris) in Economic Demography and a PhD in Economics from University of Warsaw

Ripple

Navin Gupta

Navin Gupta is Managing Director, South Asia & MENA, at Ripple. Navin has extensive experience in global transaction banking, payments and cash management, and strategy planning following nearly two decades working for HSBC (2005-15) and Citigroup (2001-05) across the U.S., Hong Kong, Japan, Taiwan, and India. During his tenure (2007-09) as Head of Payments and Cash Management for HSBC Japan, the business was transformed and voted the #1 Cash Management Bank in Japan by Euromoney. He was also a chief architect of HSBC’s global initiative on Working Capital and Liquidity Management and in 2008 was recognized as one of "The 50 Most Promising Young Leaders" in Asia-Pac by The Asian Banker. Prior to joining HSBC, Navin spent close to five years at Citigroup in San Francisco as a global relationship manager for technology, media and telecommunications clients. He joined Citigroup as a management associate shortly after graduating from the Thunderbird School of Global Management in Arizona. Navin was a board member of National Payments Corporation of India (NPCI) between 2011-2014, advising on Payments and Cash Management. Navin currently lives in Mumbai with his wife and two children, is an Art of Living teacher and volunteers at slum school in Dharavi, India. He enjoys meditation and travelling around the world.

U.S. Treasury

Jonathan Fishman

Jonathan Fishman is a policy advisor in the U.S. Treasury’s Office of Terrorist Financing and Financial Crimes, where he leads initiatives related to money services businesses, remittances, transnational organized crime, correspondent banking, and cyber-issues.  Previously, he worked for Western Union on the Global Risk Assessment team, for the U.S. Department of Defense, the U.S. Department of the Army, and at Booz Allen and Hamilton. Mr. Fishman has a Bachelor’s Degree from the University of Virginia and a Master’s Degree from Georgetown University.

Bank Negara Malaysia

Nik Mohamed Din Nik Musa

Nik Mohamed Din (Nik) is Director of the Money Services Business Regulation Department in Bank Negara Malaysia (the Bank) since July 2016.  He is responsible for the regulation, supervision and development of the exchange currency, money remittance and currency wholesale business in Malaysia.  Prior to this, Nik was Director of the MIFC Promotions Unit in the same organisation since October 2011. He was responsible for the development and promotion of the Malaysia International Islamic Financial Centre (MIFC) initiative. Previously, he was attached at the Islamic Banking and Takaful Department, overseeing the strategic development and product approval for Islamic banking. Nik commenced his career in the Bank in the year 1991 when he served at the Bank Regulation Department until 1996. He was selected to be seconded to the Labuan Financial Services Authority (LFSA) to oversee and develop the Labuan International Business & Financial Centre (IBFC), Malaysia’s premier international financial centre. He graduated with a Bachelor of Science in Economics and Accounting from the University of Bristol in 1991. He later obtained a Master in Business Administration degree from the Warwick Business School of the University of Warwick in 2000. 

De Nederlandsche Bank

Fred de Rooij

Fred de Rooij is a supervisor at De Nederlandsche Bank and has been active in various areas of supervision since 1999. He specializes in the supervision of money transfer offices and, with the introduction of the PSD, became the originator of a new way of supervising this market.

Financial Stability Board

Stéphane Mahieu

Stéphane Mahieu is a member of the Secretariat of the Financial Stability Board (FSB) supporting the FSB Correspondent Banking Coordination Group, in charge of the implementation of the FSB Action plan to assess and address the decline in correspondent banking and the FSB Stocktake of remittance service providers’ access to banking services. Before joining the FSB Secretariat in 2014, Stéphane Mahieu was Deputy Head of the unit in charge of Financial Stability at the French Treasury (2011-2014) and Deputy Head of the Foreign Banks Division at the French supervisory authority ACPR (2009-2011). Between 2000 and 2009, he held several positions in the area of banking supervision within Banque de France and the Basel Committee on Banking Supervision, several of them related to the fight against money laundering and terrorist financing.

Lianlian Pay

Qing Huang

Mr. Qing Huang is president of Lianlian Pay International, a leading Chinese payment service provider based in Hangzhou, China. He joined the company in 2014 and has been responsible for its cross-border payment business and international corporate development. Prior to Lianlian, Mr Huan was active as a general partner of Mingly China Growth Fund, L.P., a private equity fund focused on investing in growth stage companies in China. Prior to Mingly, Mr. Huang worked for over a decade as a securitites lawyer advising on a large number of international and Chinese companies in private equity investment transactions, IPOs and mergers and acquisitions and general investment and legal matters. Mr. Huang received education from Columbia Law School (J.D.), University of Chicago (M.A.) and Peking University (B.A.)

Ria Money Transfer

Sebastian Plubins

Managing Director Europe, Middle East, Africa & South Asia

Sebastian Plubins is the Managing Director for EMEA and South Asia (EMEASA) at Ria, the money transfer division of Euronet Worldwide, Inc. He oversees the sales, finances, and operations in Europe and manages regional hubs in Dubai, UAE; Dakar, Senegal; and Mumbai, India. Following Ria’s 2015 acquisition of IME, he now manages Asia’s regional headquarters in Kuala Lumpur.Sebastian has been an integral part of the organization since 2005. Prior to his current role, he was Ria’s Country Manager for Switzerland and Sales and Marketing Manager for Europe. An experienced payments professional, his money transfer career began in 2001 at Cambios Inter Services, a sub-agent of Western Union in Chile; he later worked in London, United Kingdom at Chequepoint – a foreign exchange powerhouse in Europe.As a strong advocate for open markets and healthy competition, in future Sebastian would like to see an industry where exclusivity agreements are forbidden and more responsible remittance players are able to enter.Sebastian holds an MBA in International Business and a Bachelor of Business Administration from Universidad Gabriela Mistral. He also completed postgraduate study in Strategy and Innovation from the University of Oxford’s Saïd Business School.

Paykii

Nelson Irizarry

Chief Operating Officer

Nelson Irizarry has more than 18 years of experience in the international payments industry with a passion for developing solutions that promote financial inclusion in underserved populations. Nelson co-founded PayKii with the purpose of enabling individuals living abroad to better care for their loved ones back home by providing directed remittance solutions for paying bills and expenses. Prior to founding PayKii, Nelson worked at Globokas a fintech focused on expanding access to financial services for underserved communities in Latin America where he led the growth of the company’s retail agent network. Nelson has also held senior leadership positions at First Annapolis Consulting and Visa. Nelson received his MBA from Harvard Business School (HBS) and his bachelor's degree from Georgetown University.

iCyber-Security

Norman Frankel

Chairman

Cashaa

Kumar Gaurav

Kumar is a serial entrepreneur who is among the hundred most influential people in the world in blockchain technology and was awarded extraordinary status (O1) by the United States government for his accomplishments in blockchain technology. He is the Founder & CEO of Cashaa Holdings and Chairman of Auxesis Group. Due to his vision, Auxesis Group and Cashaa are both ranked among the world’s top 100 blockchain companies. Cashaa raised 18 million USD in an ICO in 2017. Kumar is a popular international speaker on emerging technologies and was invited at IIT, TieCON, TechCrunch, Govt Parliament and many private and government conferences across the globe. He was recently nominated as one of the World's Top 50 Innovators from the Industries of the Future. Before he moved into the world of financial technology, he built computer systems for Ferrari. During his time in Italy, he co-founded Darwinsurance, the first Italian peer-to-peer insurance platform backed by AIG which was acquired by Esedra in 2016. 

Nafex

Annie Kumar

Annie serves as the Managing Director and Co founder of Nafex. While Annie’s primary responsibility lies in business development, in an operations capacity she also ensures that the company’s business relationships and organizational structures are in place. She also handles Nafex’s external communication including media relations and the company’s presence at networking events and industry conferences. Annie has spent two decades in the foreign exchange retail industry, before the money changing value chain. Creating a transparent platform that empowers consumers and streamline money changing practices was Annie’s single point agenda for creating a platform like Nafex.com. She has a vast experience in marketing and relationship management and has overseen pan- India operations in her past positions. She is a stickler for best practices and discipline and is aptly called the Nafex Brand Custodian.

Jazz

Ammara Najam

A seasoned professional with more than 12 years of experience in fields of New Product Development, Segment Management and Mobile Financial Services. Currently working as Segment Manager International Remittance & Micro Insurance at Jazz Cash- Jazz Cash is the Mobile Financial Services brand for Mobilink which is the largest Telecom Operator in Pakistan. Have set up Jazz Cash International Remittance from scratch & launched Mobile Wallet transfers as well as Cash Over Counter & Other Bank Transfer Services. Introduced Jazz Cash Sehat Sehulat Program which is the first of its kind micro health insurance service in Pakistan.

UNCDF

Amil Aneja

Amil Aneja leads UNCDF’s international remittance strategy with a focus on advancing financial inclusion, engaging with governments, multilaterals, policymakers, regulators, and key stakeholders in public and private sector to advance UNCDF programming and investment efforts to deepen impact of remittances on poverty reduction and economic development in least developed and developing economies. Prior to joining UNCDF, Mr. Aneja worked in consulting for six years in India and the US where he managed multiple engagements across Pharmaceutical, Financial Services, Technology, Healthcare, and State Government clients. He has also worked closely with elected Members of Parliament in India on diverse development projects at constituency and state level. Mr. Aneja holds a Master’s degree in International Finance and Economic Policy from Columbia University SIPA and a Bachelor’s degree in Computer Science Engineering from India.

UNCDF

Henri Dommel

Henri Dommel, FIPA Director- Henri Dommel joined UNCDF as the Director of the Inclusive Finance Unit in 2007. He is responsible for leading thestrategy in promoting the access to financial services and the development of inclusive financial sectors in Least Developed Countries. In his position, Mr. Dommel helps develop UNCDF strategy within Inclusive Finance. He also contributes to mobilizing external partnerships and supports UNCDF's agenda on product innovation and diversification which includes microinsurance and remittances. M. Dommel leads a technical team of regional managers, portfolio managers and country resident advisors based in the field.Prior to joining UNCDF as Director, Mr. Dommel spent 6 years (2001-2007) at Rural Finance, IFAD (International Fund for Agricultural Development) as its Senior Technical Advisor. Prior to IFAD, M. Dommel had worked as Programme Manager at UNCDF from 1993 to 2001. Before entering the UN system altogether, Henri Dommel worked at Banque Paribas in New Delhi as well as in Paris at the bank& department for Africa and the Middle East. Mr. Dommel holds a masters degree in International Affairs from the School of Advanced International Studies at Johns Hopkins University, and a degree from the "Institut d'Études Politiques" of Paris, France

World Bank

Dilip Ratha

Though Leader on Remittances and Innovative Financing. Head of KNOMAD and Lead Economist at the World Bank. Mr. Ratha`s TED Talk "The hidden force in global economics: sending money home", has 1.3 million views. According to a 2008 New York Times article about his life and work, "No one has done more than Dilip Ratha to make migration and its potential rewards a top-of-the-agenda concern in the world`s development ministries." Over a career spanning three decades in private sector and the World Bank, Mr. Ratha has worked extensively on remittances, diaspora bonds, future-flow securitization, and prediction of sovereign credit ratings. He is the founder of KNOMAD, co-founder of Migrating out of Poverty Research Consortium, and the brain behind Africa Institute for Remittances. Mr. Ratha is currently working to lower remittance fees and provide innovative financing solutions for people, businesses, and governments.

MoneyGram

Yogesh Sangle

Yogesh Sangle joined MoneyGram in 2014 and has been instrumental in accelerating the company's growth and market presence across Asia Pacific. Sangle has nearly 20 years of experience in banking and payments industry across Asian markets, together with strong domain knowledge in marketing, sales and product management coupled with expertise in online payments, digital and performance marketing. Currently he holds the position of MoneyGram’s business and revenue leader for Asia Pacific, South Asia and Middle East. Before joining MoneyGram, Yogesh Sangle spent four years at PayPal where he held the position of Asia Pacific’s regional director – consumer marketing. He was responsible for setting up the consumer marketing team and building a performance marketing approach across the region. His previous professional experience includes also positions with Barclays Bank Plc., India as director and head of credit cards and with Citibank N.A., Asia Pacific, as director portfolio management and head of business development and sales working across the bank’s 12 Asia Pacific markets.Yogesh Sangle holds an MBA from the University of Chicago - Booth School of Business, a Masters Degree in Management Studies in the field of Marketing, and a Bachelor of Engineering from Bombay University.

Azimo

Dora Ziambra

Dora joined the Azimo team in 2014 and brings a wealth of experience from across the financial sector. She’s also a passionate advocate of diversity within the FinTech industry and volunteers as a coach for the Cartier Women’s Initiative Awards. Having experienced life as one of only a handful of female traders at various firms, she knows all about the importance of gender equality in the modern workplace. As Chief Commercial, Dora is instrumental in building up Azimo’s network of partners across more than 190 countries and scaling the business into new markets. It’s a constantly evolving role as the company is growing so fast – day-to-day tasks can involve anything from banking relationships and strategic partnerships to fundraising and international expansion. Prior to Azimo, Dora has clocked up her fair share of air miles during her global career. She started out as a derivatives trader in Chicago, built her own options trading business in Germany, worked in international banking in London and Frankfurt, and joined a start-up advisory in Africa. Along the way, she has worked for the likes of ECB, Deutsche Börse and PayPal.

PostFinance International Development B.V

Hans Boon

Managing Director PostFinance International Development B.V., Amsterdam, and World Bank Consultant. International expert with 26 years’ experience in international postal reform and postal banking development, leading or participating in postal development programs with cross-cultural teams in 50+ countries worldwide. The postal reform programs focus on diversification strategies of Post in the changing industry, especially in partnership building with the financial sector. Mr. Boon gained broad experience as a Vice President of ING, and prior to that held management positions in the Netherlands Postbank and Post Office, then involved in pioneering one of the world’s first cases in postal (bank) reform and privatization. He served 15 years on the UPU’s Postal Financial Services Commission, lead task forces, UPU’s European Postal Financial Services Commission and was 2 years Vice Chairman of the Postal Operators’ Council of the Regional Commonwealth for Communications. He has extensive experience in working as expert with international institutions and is currently consultant for the World Bank Group and the World Savings and Retail Banking Institute and previously with e.g. IFAD, ADB, UNCDF, CGAP, and the African Union Commission. Mr. Boon has a broad experience in establishing, launching and managing financial institutions partnering with the post office, and in preparing partnership structures, contractual arrangements, valuation and finance. He is skilled in financial services operations, network, and infrastructure development, in institutional assessment (including legal and governance), investments, and access and outreach issues. Mr. Boon’s skills include market research, both desk and field, company analysis, strategy development and business planning, valuation, and implementation. He frequently presents on worldwide postal financial inclusion issues and partnerships with the financial sector, organizes an international seminars and conferences.

Al Fardan Group/ FERG

Osama Al Rahma

Mr. Osama Al Rahma is a Director in Al Fardan Group and CEO of Al Fardan Exchange L.L.C. Al Fardan Group, a renowned family business in the Gulf region and active in the Forex Remittance business, Jewels and precious stones, Real Estate Development and Financial Services. Al Fardan Exchange is now on its 46 years of success into the UAE Remittance market and now has 68 branches. Mr. Al Rahma is the Vice Chairman of the Foreign Exchange & Remittance Group (FERG) in the UAE, a group registered under Dubai Chamber of Commerce & Industry. And a Former Vice Chairman of Dubai Quality Group. Mr. Osama is known speaker of Financial Inclusions, Compliance & Risk, Corporate Governance, Remittance Industry, Family Owned Businesses, Succession Planning and Leadership.

MFS Africa

Rachel Balsham

Rachel Balsham is Deputy CEO and Chief Impact Officer for MFS Africa. She is responsible for investor relations, strategic partnerships, and measuring and strengthening the company’s social impact. Prior to joining MFS Africa, she was a consultant with Bain & Co., where she worked on strategy and operations projects for telecom and financial services clients. She began her career at the Millennium Challenge Corporation, working on large-scale development grants in West Africa. She holds an MBA from the Wharton School and an AB from Smith College. She speaks fluent English and French, as well as basic Wolof.

Xpress Money

Sudhesh Giriyan

As an expert in the world of finance, and a veteran with extensive knowledge in the remittance & payments industry in particular, Sudhesh Giriyan holds the position of COO at Xpress Money. Recently, he has taken up an additional role of spearheading the group’s digital business globally and believes that it is indeed the opportune time to delve into the online sphere of the business. He is extensively involved in the overall strategy, operations and profitability of Xpress Money in He is extensively involved in the overall strategy, operations and profitability of Xpress Money in the diverse international markets that the company operates in. Sudhesh has been a part of the Xpress Money family for 15 years now, and has played an Sudhesh has been a part of the Xpress Money family for 15 years now, and has played an integral role in shaping up the marketing, customer service management and market research efforts for Xpress Money. With one of his key focus areas being expansion of the brand’s equity across international markets, he is the driving force behind Xpress Money’s fast multiplying global network of partners and strategic alliances with renowned international money transfer operators (IMTOs), retail chains, banking as well as non-banking institutions, telcos and online remittance players. A leader who focuses on opportunities and solutions when facing challenges, Sudhesh believes in leading his team from the front. Through the years his keen eye for identifying new markets, his knack for building sustainable relationships and always delivering better value to the customer have been instrumental in transforming Xpress Money into one of the world’s most trusted and well-networked instant money transfer brands.

FSA - Denmark

Tobias Thygesen

Tobias is Deputy Director in the Anti-money Laundering and Counter Financing of Terrorism Division of the Danish FSA. The Division is responsible for the supervision of all financial institutions in Denmark in the AML/CFT area. Tobias is also the Danish head of delegation to the FATF. Before joining the FSA, he spent 5 years at the Danish Bankers Association as Head of Payments Infrastructure. Previous employments include the markets areas of a couple of Denmark’s largest banks, Danmarks Nationalbank and the Bank of England. Tobias has Masters degrees in economics from the University of Copenhagen and Bristol University.

Eurogiro

Michel Stuijit

Michel Stuijt has more than 30 years of corporate banking and international payment expertise. He started his career at NMB Bank (now ING) and specialized in aircraft finance. He worked at Bank of Tokyo and KBC Bank in corporate banking. Then, he joined CMG (later Logica, now CGI) as senior banking business consultant. There, he worked 12.5 years in different senior and management roles, including heading the Banking Business Consulting unit and as Global Account Director in the financial market. He joined Equens, the European payment processor (now equensWorldline) as region manager and was head of the Market Management department from 2009 onwards. He joined Eurogiro as CEO in April, 2013. He holds a degree from Leyden University and McGill University. At Eurogiro, an international payments infrastructure that connects various organizations and payment “ecosystems”, he has developed a vision and is implementing a plan to ready the company for future developments in international payments. As part of that plan he has signed member and partner contracts with Fintech companies. He is also actively engaged in supporting start-ups that use or develop block-chain technology and digital banking applications, in order to provide the Eurogiro members with market-standard products and services.

Stellar

Lisa Nestor

Lisa Nestor, Director of Partnerships -- As Director of Partnerships, Lisa supports the growth of Stellar's network of users and partners. Lisa travels the world collaborating with diverse financial institutions, from Central Banks to Money Service Businesses (MSBs), on how they can improve their financial infrastructure and lower the cost of cross-border payments using Stellar.org's open-source blockchain network. Her dream is to bring low-cost financial services to all, including the underbanked.

La Poste, Senegal

Saliou Fedior

Currently the Director of Studies and Projects of La Poste of Senegal. Having in charge of designing and managing La Poste's major projects, he capitalized on a extensive experience in the various fields of activity of the postal sector namely the mail and financial services. Especially in the field of money transfers where I had to conduct a lot of studies especially around inclusion issues of people through postal networks. This is the case, for example, mechanism for financing postal financial services at the initiative of the Fund International Development Bank (IFAD) in collaboration with the Postal Union

Edgardunn

Samee Zafar

Samee Zafar is based in the London office. He has advised some of the largest financial services organisations in Europe and North America on competitive strategy, operations and technology. His expertise covers retail banking, payment card issuing, digital payments including mobile payments, international payments and remittances, and new technologies including blockchain based systems and cryptocurrencies. He has advised on risk management covering both credit and fraud risk management. He also advises private equity companies and other investors on M & A transactions. He regularly speaks at conferences and has authored several articles and co-authored a book on payments. Previously he worked for Visa International and PwC in London and New York. Samee holds an MBA from the Cass Business School of the City University in London where he was a Commonwealth Scholar.

Avenues Payments India Pvt Ltd

Naushad Contractor

A Business Manager with Over 20 years' Experience of Business Building across Geographies, Naushad is Founder & CEO at Avenues Payments India and RemitOnline.Part of e-Businesses success stories, he has played key roles in launching Wallet365.Com India's first eWallet, introducing M-Pesa to India for Vodafone, and was a member of the core start-up team that launched Remit2India.com the World's first digital cross border remittance portal way back in 2001. His proficiencies include Product Development, Marketing, & Business Development & believes in the benefits of the Internet and emerging technologies to drive business growth. He has updated knowledge of Global & Indian payment systems, regulations, business processes and E-Business models. Naushad believes in keeping the consumer first while creating innovative products and services.

RemitRadar LTD

Sergey Markov

Sergei Markov studied International Economic Relations in Moscow, worked in the Diplomatic Service,then worked as a music producer and co-founded the first symphony orchestra in Russia to be independent of the Government. After leaving the music industry, Mr. Markov worked in director positions for the National Agency for Direct Investment (Russia) and Terravision Exploration (UK). His interest in new technologies brought him to the board of the Center for Science-Intensive Technologies (Russia), B-Plasma LTD (Russia) and RemitRadar LTD (UK). In February 2018 he became the CEO of RemitRadar LTD. Mr. Markov is very enthusiastic about the use of new technologies, and in particular Artificial Intelligence (AI), for profit and non-profit causes. In November 2017, he unveiled in Moscow an innovative plan of sponsored insurance for hundreds of thousands of migrant workers, which was designed by RemitRadar LTD, Prince Michael of Kent Charitable Foundation and reinsurer PartnerRe. The plan is enabled by AI tools developed by RemitRadar LTD. Also in November 2017 RemitRadar LTD and CURE, supported by Bharti AXA General Insurance and a leading global reinsurer, formed a unique partnership to end clubfoot deformity in India.

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