SPEAKERS’ BIOGRAPHIES

Dr David Andrieux Senior Business Consultant, Sopra Banking Software

David Andrieux is an expert in strategy and innovation in financial services. He helps financial institutions transform their business models for the digital age, with a particular expertise in digital banking, daily banking, and payments.

Dr Andrieux has a book and 30 scientific papers to his name, plus seven international academic prizes in physics, whilst a Postdoctoral Fellow at Belgian research centre FNRS and at Yale University in the US. He has also authored a range of CxO resources, such as a recent white paper on the future of digital banking.

Maria Åsenius Head of Cabinet of Commissioner Cecilia Malmström, DG TRADE, European Commission

Graduated from Stockholm School of Economics with a degree in business and economics in 1986, Maria Åsenius started a career in journalism as an editorial writer at Göteborgs-Tidningen (July 1986 to December 1988) and at Dagens Nyheter (January 1988 to November 1988). She then worked as a freelance journalist in Brasilia and Paris, as well as correspondent for the Swedish business magazine Veckans affärer. In March 1993 she began to work in the Government Offices in Stockholm, first as Deputy Press Secretary to the Minister for Finance and then as a Political Adviser to the Minister for Culture and Immigration.

Between May 1995 and January 2002 Ms Åsenius was Desk Officer for the ELDR Group in the before becoming Political Adviser to the President of the European Parliament, Pat Cox, a position held until July 2004. She was a member of Olli Rehn’s cabinet (August 2004 to June 2007) and Deputy Head of Cabinet to Commissioner Olli Rehn at the European Commission in Brussels. After her work as State Secretary for European Affairs in Stockholm Ms Åsenius has been Head of Cabinet to Commissioner Malmström since January 2010. Valdis Dombrovskis Vice-President for the Euro and Social Dialogue & responsible for Financial Stability, Financial Services and Capital Markets Union, European Commission

Valdis Dombrovskis is the Vice-President of the European Commission in charge of the Euro and Social Dialogue, Financial Stability, Financial Services and Capital Markets Union. Prior he has served three consecutive terms as Prime Minister of Latvia, becoming the longest serving elected head of government in Latvia’s history.

Before becoming Vice-President, Valdis Dombrovskis was elected for the second time as a Member of the European Parliament (first, 2004-2009) and Head of Latvian Delegation in the EPP Group. He served as a Member of the Saeima (Parliament) of Latvia (03.2004- 06.2004; 01.2014-06.2014) and was Latvia’s Minister of Finance from 2002 to 2004.

Valdis Dombrovskis was born on 5 August 1971 in Riga, Latvia. He graduated with a degree in physics from the University of Latvia (1993) and economics from Riga University of Technology (1995). He received his master’s degree in physics in 1995 from the University of Latvia. From 1995 to 1998 he worked as a research assistant at the Mainz University, Germany, the Institute of Solid- State Physics, Latvia and the University of Maryland (USA). Prior to joining politics, he worked as a senior economist and chief economist at the Bank of Latvia (1998-2002). He is a co-author of a book with Anders Aslund How Latvia came through the financial crisis which was published in 2011. In November 2014 Valdis Dombrovskis was awarded by the Order of the Three Stars (Triju Zvaigžņu ordenis), the highest State Decoration of the Republic of Latvia.

Andrea Enria Chairman, European Banking Authority

Andrea Enria was recently confirmed as the first Chairperson of the European Banking Authority (EBA) where he took office on 1 March, 2011. Before that date, he was the Head of the Regulation and Supervisory Policy Department at the Bank of . He previously served as Secretary General of CEBS, dealing with technical aspects of EU banking legislation, supervisory convergence and cooperation within the EU. In the past, he also held the position of Head of Financial Supervision Division at the . Before joining the ECB he worked for several years in the Research Department and in the Supervisory Department of the Bank of Italy. Mr Enria has a BA in Economics from Bocconi University and a M. Phil. in Economics from Cambridge University. The European Banking Authority has officially come into being as of 1 January 2011, taking over tasks and responsibilities from the Committee of European Banking Supervisors (CEBS). The EBA acts as a hub and spoke network of EU and national bodies safeguarding public values such as the stability of the financial system, the transparency of markets and financial products and the protection of depositors and investors.

Francesco Guerrera Chief Financial Correspondent, POLITICO

Francesco Guerrera has been a financial and business journalist as long as he can remember. In the course of a 20-year career, he has worked in London, Brussels, Asia and the U.S. After graduating from City University in London with a first-class degree in journalism and economics, Mr Guerrera worked for Building Magazine and AFX News before joining the business section of the Independent. From there, he joined the Financial Times where he remained for nearly ten years, working, among other things, as European correspondent in Brussels, Asia financial correspondent in Hong Kong and business and finance editor in New York, where he covered the financial crisis of 2008-2009.

In 2010, Mr Guerrera joined the Wall Street Journal to head its Money & Investing section and later became the WSJ’s global financial editor. He is a regular columnist for La Stampa, one of Italy’s major dailies.​

He has won numerous journalistic prizes including a Foreign Press Association award for an investigation into “blood diamonds,” an Overseas Press Award for his scoop on CNOOC’s bid for Unocal, and a SABEW award for a video series on the collapse of Lehman Brothers.

Judith Hardt Managing Director, Swiss Finance Council

Judith Hardt is the Managing Director of the Swiss Finance Council which engages in dialogue around policy developments in finance at a European and international level. It represents the interests of internationally active Swiss financial institutions.

Before joining the Council in 2014, Ms Hardt led the Federation of European Stock Exchanges through two successive EU legislatures. She was nominated for the 'Decade of Excellence Award' for her work at FESE by Financial News. Ms Hardt headed the European Mortgage Federation (EMF) for close to 15 years. Whilst at the EMF, she was instrumental in launching the European Covered Bond Council (ECBC). Judith Hardt is a lecturer at the Solvay Business and teaches ‘Financial Infrastructures’ for the Advanced Master in Financial Markets. In 2011, she was elected Vice-Chair of the Securities and Markets Stakeholder Group. Ms Hardt is currently serving her second term.

Huw Jones Regulation Correspondent, Europe, Thomson Reuters

Mr Jones has been a correspondent at Reuters for twenty years. He joined in New York where he covered commodities exchanges before moving on to writing about Wall Street during the dotcom boom. He returned to London where he wrote about the creation and emergence of a pan-European stock market with the launch of the euro, stock exchange mergers and regulation, including the first MiFID directive.

He then spent four years in Brussels as an EU correspondent, covering financial services, telecoms, media and industry. Since 2009 he has been based back in London, covering the G20's regulatory agenda, EU and UK regulation.

Martin Merlin Director, Regulation and prudential supervision of financial Institutions, DG FISMA, European Commission

Martin Merlin joined the Commission in 1997, initially working on insurance and pension funds issues; progressing in 2000 to the position of Assistant to the Director General before joining the Cabinet of Commissioner Charlie McCreevy in 2004. ​

From 2008 to 2014 he was Head of Unit responsible for Financial Services Policy and Relations with the Council, within DG MARKT. The unit was responsible, inter alia, for defining and implementing the European Commission‘s policy in the area of financial supervision and the response to the global financial crisis.​

In the re-organised DG for Financial Stability, Financial Services and Capital Markets Union Mr Merlin was appointed Director of Financial Markets 2014-2016, responsible for Capital Markets Union, Financial Markets Infrastructure, Securities Markets and Asset Management. In May 2016 he was moved to become Director of Regulation and Prudential Supervision of Financial Institutions. He manages Bank Regulation and Supervision, Banks and Financial Conglomerates, Retail Financial Services and Payments and Insurance and Pensions dossiers. Wim Mijs CEO, European Banking Federation

Wim Mijs was appointed Chief Executive of the European Banking Federation in September 2014.

​Between 2007 and 2014 he served as CEO of the Dutch banking association NVB. During this time, he transformed the NVB into a modern industry association, positioning it as the key representative of the banking sector in the midst of the financial crisis.​

Mr Mijs studied law at the University of Leiden in the Netherlands, specialising in European and International law. After his studies he worked for one year at the International Court of Arbitration at the Peace Palace in The Hague. In 1993 he joined ABN AMRO in Amsterdam before moving to Brussels to head up the bank’s EU liaison office. He moved back to The Hague in 2002 where he became the Head of Government Affairs for ABN AMRO.​

Between 2011 and 2015 Mr Mijs served as Chairman of the International Banking Federation. From 2012 to 2014 he was Chairman of the Executive Committee of the EBF. From 2013 to 2015 he was President of the Board of Euribor, now known as the European Money Market Institute.

He is married and has two children.

Ali Niknam Founder and Chief Executive Officer, Bunq

Ali Niknam is the founder and CEO of bunq, the Netherlands' youngest disruptive bank. Or, as it is rather called, a tech company with a banking permit. Driven by a vision to shape the future, Mr Niknam has taken it upon himself to change banking from within. The Netherlands is just the starting point: after a launch in late 2015, bunq quickly gathered thousands of new users.

At 16 years old, Mr Niknam set up his first company. In his early twenties he founded TransIP, which would grow out to become the biggest domain name and webhosting provider of the Netherlands. Born in Canada but from Iranian descent, he eventually settled down in the Netherlands. Mr Niknam, a high school drop out, received his B.S. in Computer Science from Delft University of Technology. He didn't pursue his M.S. out of disappointment in the educational system, rather opting for an entrepreneurial path. Maurice Oostendorp CEO, SNS Bank

Maurice B. G. M. Oostendorp has been the Chairman of Managing Board, Member of Management Board and Chief Executive Officer at SNS Bank N.V. since August 17, 2015. Mr Oostendorp has been an Acting Chairman of Management Board at SRH N.V. (Formerly known as SNS Reaal N.V.) since July 2015 and also has been its Chief Financial & Risk Officer February 4, 2013. He has been a Deputy Chairman of Supervisory Board at Nederlandse Waterschapsbank N.V. since April 23, 2015 and has been its Member of Supervisory Board since November 22, 2012. He served as a Member of Management Board of SNS Bank N.V. from April 26, 2013 to July 01, 2014.

Mr Oostendorp served as a Member of Management Board of SRLEV N.V. He served as the Chief Financial Officer and Member of the Executive Board at Coöperatie VGZ and Director General Group Finance at ABN AMRO. He served as the Head of Group Finance at The Royal Bank of Scotland N.V. (formerly, ABN AMRO Bank N.V.) since 2000. He served as the Head of Group Finance at RBS Holdings N.V. (formerly, ABN AMRO Holding N.V).

Frédéric Oudéa President, EBF & CEO, Société Générale

Born in 1963. Frédéric Oudéa is a graduate of the Ecole Polytechnique and the Ecole Nationale d'Administration.​

From 1987 to 1995, Frédéric Oudéa held various positions in the French senior civil service (Audit department of the Ministry of Finance, Ministry of Economy and Finance, Budget Ministry, Private Office of the Minister of Budget and Communication). In 1995, he joined Société Générale and in 1996 he was appointed first Deputy Head, then Head of the bank’s Corporate Banking arm in London. In 1998, he became Head of the Global Supervisory and Development of the Equities division. In May 2002, Mr Oudéa was named Deputy Chief Financial Officer of Société Générale Group. He became Chief Financial Officer of the Group in January 2003. In 2008 he was appointed CEO of the Group, before becoming Chairman and Chief Executive Officer in 2009. Following the regulatory split between the roles of chairman and chief executive, he was appointed Chief Executive Officer in May 2015. In 2010 Mr Oudéa was named Chairman of the Steering Committee on Regulatory Capital (“SCRC”) at the Institute of International Finance (“IIF”) and President of the European Banking Federation (“EBF”) since January 2015. Teppo Paavola Chief Development Officer, General Manager of New Digital Businesses, BBVA

Teppo Paavola , Chief Development Officer and GM of New Digital Businesses, has been at BBVA since November 2014. Before joining BBVA, he served as the Head of Global Business Development and M&A at PayPal. He also served as the Vice President and GM of Mobile Financial Services, led Corporate Business Development and Partnering at Nokia Corporation.​

Mr Paavola is an experienced entrepreneur and finance specialist. As a founder/ CEO of five startups, he knows what is required in setting up new businesses. His finance experience stems from different positions at GE Capital in London, Stockholm and Helsinki. Moreover, he holds an MBA from INSEAD and MSc in Economics and Marketing from Helsinki School of Economics, Aalto University.

Richard Peers Director Financial Services Industry, Microsoft

Richard Peers is Microsoft’s EMEA Banking Industry Director working with their largest clients and Fintech innovators. He has spent the last 19 years at Microsoft in sales, services and marketing leadership, with the last five years deeply engaged with clients, Fintechs and partners in Financial Services. Working on projects and engaging with leadership teams he brings an up to the minute insight on the vision and the practicalities of “Digital Banking”.

In 2016 he contributed a chapter to the “Fintech Book” on the API economy and the impact of PSD2 and Fintech’s on Banking. He created and chaired the Microsoft Digital transformation in FSI event at Level 39, which was instrumental in helping leading banks adopt the cloud.

​In Feb 2015 he created the API economy event in Level39 and commissioned the “Embracing the API Economy” whitepaper. Two banks, mBank and Barclays, discussed their approach to this area.​

In Nov 2014 he created and chaired the Digital Banking Summit which examined three different models to becoming a Digital Bank. ​In 2013 he created the Digital Wallet Foundry which combined a conference and a hackathon to bring business and developers communities together. DWF sought to crack the code on Identity, Loyalty and Payments and was widely praised as a thought leading initiative. ​

Mr Peers is a regular speaker at events and contributor via social media on topics such as: Transformation; Innovation, Technology and the environment. He is a member of the panel selecting the Fintech50 2016. As a member of Level39, London’s premier Fintech community he advises a number of start-ups in the banking space. John Rega Chief Correspondent, Financial Services, MLex

Mr Rega joined MLex in July 2009 to lead its coverage and commentary on financial regulatory matters in Europe, and help launch MLex FS, the first financial-services regulatory news outlet in Brussels. He previously spent 12 years at Bloomberg News, split between Brussels and Washington, covering financial regulatory issues along with other policy and corporate news. Before that, Mr Rega edited and reported for publications on tax policy and litigation at the Bureau of National Affairs in Washington.

José María Roldán Vice President, EBF & Chairman and CEO, Spanish Banking Association AEB

Mr José María Roldán is Chairman and CEO of the Spanish Banking Association since April 2014, after 13 years as Director-General at the Banking Regulation and Financial Stability department of the Bank of Spain and member of its Executive Board. From May 2015, he is also the Vice-President to the European Banking Federation (EBF). During his tenure in office as Director-General he was part of the Basel Committee on Banking Supervision (BCBS), and chaired both the Standards Implementation Group (SIG) of the BCBS and the Joint Forum during the tenure of the BCBS.

He founded and was the first Chairman of the Committee of European Banking Supervisors (CEBS); the forerunner of the European Banking Authority (EBA), after being President of the Financial Action Task Force on Money Laundering (FATF). He also chaired the extinct Banking Advisory Committee (BAC) of the EU.

Mr Roldán joined the Bank of Spain as Senior Economist of the Research Department in 1989, but in 1994 he took up a post at the European Monetary Institute (the forerunner of the European Central Bank) in Frankfurt.

Giovanni Sabatini Chairman, Executive Committee, EBF & General Manager, Italian Banking Association (ABI)

Giovanni Sabatini, General Manager of the Italian banking association (ABI) since 2009, has been appointed as the new Chairman of the Executive Committee of the European Banking Federation for a two-year term from January 2016. He’s also Chairman of Consorzio Bancomat. Giovanni Sabatini graduated in Economics and Business from the LUISS university in Rome and later returned there in the capacity of lecturer. Mr Sabatini has been Co-Manager of CONSOB (the Italian Stock Exchange Authority) as well as overseeing its Issuers Information Division since June 2008. From September 2004 to May 2006 he headed the Intermediaries Division and before that he was in charge of the Markets Division (September 1986-May 2001).From June 2006 to June 2008 he was the Head of the Banking and Financial System - Legal Affairs Department of the Italian Ministry of Economy and Finance. At this time Giovanni Sabatini was also the Ministry's representative on the High Council of the Bank of Italy.From May 2001 to September 2004 he was CEO of Monte Titoli S.p.A (a company owned by the Italian Stock Exchange Group) and Chairman of ECSDA (the European Central Securities Depositories Association.From July 2009 to 2014 Mr Sabatini was Chairman of the Consultation Committee of the Italian stock exchange Borsa Italiana.

Daniel Schmand Chair of the Banking Commission, ICC & Global Head of Trade Finance, Deutsche Bank

Daniel Schmand is the Chairman of the International Chamber of Commerce (ICC) Banking Commission. He is also Deutsche Bank’s Global Head of Trade Finance located in Frankfurt where he drives the Trade Finance business and is responsible for the global Trade Finance strategy, encompassing Financial Supply Chain and Structured Trade and Commodity Finance products.​

Mr Schmand joined Deutsche Bank in 1987 as a trainee. He holds a Bachelor’s degree of Business Administration as well as executive education at INSEAD and the International Leadership Program at Ashridge, IMD and Duke.

David Schraa Regulatory Counsel, Institute of International Finance

David Schraa is a Regulatory Counsel at the Institute of International Finance, an association of internationally active financial institutions from over 70 countries. As such, he is involved in the work of the Regulatory Affairs Department to address issues of concern to the financial-services industry with the G20, the Financial Stability Board, the Basel Committee on Banking Supervision, IOSCO, IAIS, Joint Forum, IASB and other international regulatory groups. Interface with the international public sector is conducted through committees and working groups made up of officers of member firms, which are supported by the Department. The Institute provides responsible industry input on all cross-border issues of importance to the financial sector. In April 2015, Mr Schraa moved to London to establish the European Representative Office of the Institute, which aims to bring the Institute’s regulatory work closer to European members of the Institute and to European officials who participate in developing international regulatory frameworks.

Previously, Mr Schraa held senior positions at J.P. Morgan, as a Managing Director heading legal service for international private banking businesses based in New York. He was Resident Counsel and a member of the management team of Euroclear. He came to J.P. Morgan from Davis Polk & Wardwell, having served in its New York and Paris offices. Mr Schraa has a B.A. from Pomona College, an A.M. from Harvard University and a J.D. from the Harvard law School.

Dr Paul Tang Member of the European Parliament

Dr Paul Tang is a Dutch MEP for the Socialists and Democrats in the European Parliament since 2014. He is member of the parliamentary committees on economy and monetary affairs, budget and industry & energy.

After obtaining a PhD degree on economic growth, Dr Tang has lead research at the Dutch Centraal PlanBureau (Netherlands Bureau for Economic Policy Analysis) and contributed to the on-going discussions on how the economic growth and the social welfare state relate to each other but also worked on climate change policies, and authored political-economic scenarios for Europe.

Intrigued by the impact that political choices have on the lives of people, he ran as MP for the Dutch Labour Party in 2006 and served for four years as a spokesperson on financial and fiscal affairs. It was in these years that the crisis began to hold sway at both sides of the Atlantic Ocean.

In the European Parliament, Dr Tang battles for more jobs for Europe, a healthy financial sector at the service of society and more legitimacy for Europe. Lisa Terziman Co-founder and CMO, Fentury

Lisa Terziman, Co-founder of Fentury, a company started in September 2014. Fentury is a personal finance advisor that helps you cut off unnecessary expenses and plan ahead. The app is available in over 50 countries and supports over 2500 financial institutions.

Being one of the representatives of the millennial generation, Ms Terziman aims to elevate customer engagement & experience to the next level, by providing financial guidance to everyone. Digital banking & finance management services are not about features - it’s are all about people using them.

Ms Terziman has studied Computer Science, Finances and Banks and had been volunteering in green organisations before starting Fentury. She is always devoted to helping others and passionate about innovation, software, and economy, which creates a perfect mix for running FinTech Start-Up.

Niels Tomm Executive Director, Head of Governmental Relations, Deutsche Börse Group

Niels Tomm is Head of the Governmental Relations (GR) section at Deutsche Börse Group. He also chairs the Management Committee of the Federation of European Securities Exchanges (FESE).

During his employment since 2006 he has worked in several positions and locations including Head of DBG’s representative office in Brussels. As Head of GR Mr Tomm is in charge of the coordination for the development and implementation of DBG’s positioning in the regulatory and political environment.​

Niels Tomm completed his studies in political sciences in Germany and the U.S. and graduated with a Master of Arts. Before he started at Deutsche Börse AG, he worked for a public affairs agency in Berlin.

Dr Gert D. Wehinger Senior Economist, Financial Affairs Division, Directorate for Financial and Enterprise Affairs, OECD

Gert Wehinger is a Senior Economist at the Organisation for Economic Co-operation and Development (OECD), Paris, France, where he has been holding assignments in the Economics Department and the Directorate for Financial and Enterprise Affairs. Working for the OECD Committee on Financial Markets, he is monitoring and analysing market developments as well as regulatory changes. Recent work has covered SME finance and related issues. As organiser of the OECD “Financial Roundtables”, he is fostering the Committee’s dialogue with the private financial sector. He is also editor of and contributor to the OECD Journal “Financial Market Trends”, and has published in the OECD Business and Finance Outlook. Previously, he was assistant professor at the Vienna University of Economics and Business Administration and lecturer at the University of Applied Sciences Wiener Neustadt, and later, at the Paris-based American Graduate School of International Relations and Diplomacy. He also worked in the research division of Austria’s central bank (OeNB) covering topics ranging from monetary union to electronic money. He is author of various publications on macroeconomic, monetary, financial and other issues, including a book on inflation and stabilisation policies. He holds an Economics Master’s degree from the Karl-Franzens- University (Graz, Austria) and a Doctoral degree with honours from the Vienna University of Economics and Business Administration (Austria), and is a graduate of the Institute for Advanced Studies (Vienna, Austria).

David Wright Chairman, Eurofi

David Wright worked for 34 years in the European Commission in Brussels. He was a member of President Delors' advisory group and a member of both Lord Brittans' and President Santers' cabinets in the 1990s covering financial services, industry, energy and sustainable development issues.

From 2000 he played a major role in integrating European capital markets becoming Deputy-Director General for financial policy and markets and acting as rapporteur on both the Lamfalussy and De LaRosière Committees.

From 2012 to March 2016 he was the Secretary General of IOSCO based in Madrid. Mr Wright worked to make IOSCO stronger and more influential globally. He launched a number of important initiatives on global financial policy, training and education for securities regulators as well as deepening work with emerging market countries. He represented IOSCO in the Financial Stability Board.

Mr Wright is a graduate of Worcester College, Oxford and he has lectured on financial services policy all over the world including at Oxford, Cambridge, Harvard, Sciences-Po, ESADE and Bocconi.

He is now a Partner of Flint-Global and Chairman of EUROFI.