ACI’s The Evolving, Legal, Regulatory, and Enforcement Landscape of Emerging Payment Systems March 31- April 1, 2016 Multi-jurisdiction compliance challenges Jani Gode Jin Han Vie President, Enterprise Risk General Counsel and Secretary Payoneer Inc. Klarna Inc. Tweeting about this conference? #EmergingPayments About Speakers: JaniGode • Jani Gode is Vice President of Enterprise Risk for Payoneer, Inc., a global payments firm. She is responsible for managing the company’s risk management framework. Jani has over seventeen years of experience working in risk management and AML for prepaid, credit, MSBs and traditional bank products. Prior to joining Payoneer, Jani was the Manager of the International Prepaid and Payments Group at SightSpan, Inc. where she specialized in development of AML Programs and conducting AML Reviews for financial services firms, with a special emphasis on assisting companies in the prepaid card and payments industry both domestically and internationally. Previous to this role, Jani was Vice President, BSA/AML Officer at MetaBank/Meta Payment Systems and Manager of Third Party Risk at BANKFIRST. Jani is a certified member (CAMS®) of the Association of Certified Anti-Money Laundering Specialists and a certified member (CFCS®) of the Association of Certified Financial Crimes Specialists. #EmergingPayments About Speakers: Jin Han • Jin Han is General Counsel at Klarna North America, responsible for strategic legal planning, regulatory compliance, intellectual property protection and commercial risk mitigation for Klarna’s US operations. Prior to Klarna, Jin was payment counsel for Apple’s physical and online retail operations and an early contributor to the Apple Pay project. Prior to Apple, Jin worked at elite Bay Area law firms and MobiTV as corporate counsel, specializing in financial transactions, technology transactions, corporate governance, capital markets and mergers and acquisitions. #EmergingPayments About Payoneerand Klarna • About Payoneer Payoneer empowers global commerce by connecting businesses, professionals, countries and currencies with its innovative cross-border payments platform. In today’s borderless digital world, Payoneer enables millions of businesses and professionals from more than 200 countries to reach new audiences by facilitating seamless, cross-border payments. Additionally, thousands of leading corporations including Google, Airbnb, UpWork and Getty Images rely on Payoneer’s mass payout services. • About Klarna Founded in Stockholm in 2005, Klarna is one of Europe's fastest growing companies, and offers safe and easy-to-use payment solutions to e-stores. Klarna assumes the credit and fraud risk for the retailers so that they can focus on their core business. We serve 45 million consumers in 18 markets and work with 65,000 merchants, including major international clients such as Overstock, Spotify, Disney, Samsung and Wish.com. Our goal is to become the world’s favorite way to buy. #EmergingPayments Discussion Topics • Foreign Exchange and B2B • Expanding into China, Japan and India • Foreign company expanding into the US • Establishing multi-jurisdictional compliance Program • Lessons learned #EmergingPayments.