Symposium Speakers and Panelists

Professor G. 'Anand' Anandalingam is Dean of Imperial College Business School at Imperial College London (since 2013). Previously he was Dean of the Robert H. Smith School of Business, University of Maryland (2007 to 2013). Before joining Smith, Anand was a Professor at the University of Pennsylvania for 15 years.

Anand is an expert on the application of optimisation techniques to solve infrastructure sector business problems. He started as an energy systems analyst and spent much of his career in information and telecommunications. He received his Ph.D. and M.S. from Harvard University, and his B.A. and M.A. from Cambridge University.

Zilvinas Bareisis is a Senior Analyst at Celent, global research and advisory firm specialising in Financial Services. His research focuses on payments, covering a broad range of topics, from cards to digital payments to emerging technologies such as blockchain. In recent months Zilvinas has published reports on bank and Fintech collaboration, digital wallets, such as Apple Pay and Android Pay, payments technologies, such as tokenisation, EMV and HCE, and an in-depth analysis of the cards management and transaction processing industry.

Zilvinas is a regular speaker, chairman, and panel moderator at the leading payments industry events, such as Money 20/20, PayThink, Finextra Future Money, Mobey Day and many others. He has also been widely quoted in the press, such as The Economist, The Financial Times, The Times, The New York Times, The Banker and other publications. He joined Celent from Oliver Wyman where as a management consultant he has been advising senior executives at the leading financial institutions around the world on strategic issues. Zilvinas has an MBA from Carnegie Mellon University and MSc in Applied Mathematics from Kaunas University of Technology.

Entrepreneur since 1985. For the past 20 years, Venture Capital/Private Equity investor, founder and Group Managing Partner at MCI Capital - one of the leading European private equity groups with focus on technology and digitalization. In 1990-1998 Co-founder and CEO of JTT Computer SA - leading CE computer manufacturer with USD 100M+ revenue.

Selected as one of Top-20 best Polish managers in 2015 by Bloomberg business week. Guest speaker at many PE/VC conferences, including NOAH. Supervisory board member of advisory board member of many of MCI funds portfolio companies across Europe.

In 2001 the World Economic Forum award with the title of Global Leader for Tomorrow. In 2000 one of the TOP-10 most influential people in the European Internet by Business Week.

Sandeep Dave is a Director with the Global Digital Strategy group at Citi where he works across Citi businesses to develop digital strategies and drive Citi's digital transformation.

Sandeep has held a number of senior technology, consulting and business roles across North America, Europe and Asia. Prior to Citi, Sandeep worked for Booz and Company, a leading general management consulting firm, where he held several leadership roles including standing up its India business. Prior to that, Sandeep has been an entrepreneur and has held multiple roles in the hi-tech industry.

Sandeep has done extensive work in assessing the impact of digital technologies on various industries incl. digitizing money flows and the associated economic and social impact. He is the author of the report "Getting ready for digital money: a roadmap" and a frequent speaker on this topic.

Sandeep graduated from Mumbai University with a Bachelor of Engineering in Computers. He also has an MBA from University of Maryland, Smith School of Business.

Professor Gann is responsible for shaping the vision, strategy and innovation agenda for Imperial College, and the development of its new London campus and digital infrastructure, Imperial West.

He holds the Chair in Innovation and Technology Management at Imperial College Business School and Department of Civil and Environmental Engineering, Imperial College London. He is a Chartered Civil Engineer with a PhD in Industrial Economics. He previously held the Royal Academy of Engineering Chair in Innovative Manufacturing at Sussex University. He was appointed Commander of the Order of the British Empire (CBE) in the 2010 Queen's Birthday Honours, for services to engineering.

Professor Gann has deep experience at executive board level in industry, starting new businesses and advising senior ministers on government policy. He also serves as a Chairman of the Smart London Board, reporting to Boris Johnson, Mayor of London. He is a member of the London Enterprise Panel’s Digital, Creative, Science and Technology Group and member of the UK’s Information Economy Council. Professor Gann authored a large number of academic papers.

Dr. Ruth Goodwin-Groen is the Managing Director of the UN-housed Better Than Cash Alliance, leading its efforts to accelerate the global shift from cash to digital payments by governments, companies and international organizations. The digitization of payments continues her work on poverty reduction as it helps to increase transparency, efficiency and provide a pathway to financial inclusion, driving inclusive growth.

Dr. Goodwin-Groen’s represents Better Than Cash Alliance at the G20 Global Partnership for Financial Inclusion, is a member of the World Economic Forum Financial Inclusion Steering Committee and a member of the Reference Group of the United Nations Secretary General’s Special Advocate for Inclusive Finance for Development.

Prior to joining the Better Than Cash Alliance, Dr. Goodwin-Groen was the Australian Co-Chair of the G20’s Global Partnership for Financial Inclusion and the Financial Services for the Poor Adviser at the Australian Agency for International Development (AusAID). Goodwin-Groen has also advised leading organizations in the field of financial inclusion including the Consultative Group to Assist the Poor, the World Bank Group, the Soros Foundation, the UK Department for International Development, the FinMark Trust (South Africa), the German Technical Cooperation, Women’s World Banking, the United Nations Development Programme (UNDP) as well as Cambridge University in over 15 different countries including in Eastern Europe, Africa, Asia and the Pacific.

Dr. Goodwin-Groen holds a Ph.D. from the University of Bath, UK, an M.B.A. (Distinction) from Harvard Business School, USA and; a B.Sc. Hons. (1st) from the University of Western Australia.

Mr. Harrington joined the management team at Citigroup as Chief Information Security Officer in July 2012. With 27 years of law enforcement and national security experience, T.J. Harrington, the former Associate Deputy Director of the FBI is a recognized leader in the global law enforcement and intelligence communities. He now heads a organization within Citi focused on critical risk areas of Information Security, and Anti-Money Laundering Operations. His focus has been to enhance the safety and soundness of the firm by implementing an intelligence-led, threat focused approach to create a strong defense network to protect Citi and its clients.

As the Associate Deputy Director, he served as the Chief Operating Officer for the FBI responsible for the development and execution of the FBI’s diverse mission strategy across a workforce of 36,000 with an operating budget in excess of $10 billion. He had direct executive oversight for the FBI’s Information Technology, Information Security, Physical Security, Human Resources Division, Training Division, Records Management Division, Inspection Division & Internal Audit, Finance Division, Facilities Management Operations, and the Strategy and Planning Office.

In 2009, Mr. Harrington served as the Executive Assistant Director of the FBI’s Criminal, Cyber, Response and Services Branch (CCRSB). The CCRSB is the largest operational branch in the FBI, overseeing the administrative and operational efforts against 70,000 investigations and the use of 360 law enforcement task forces. He was instrumental in introducing to new concepts designed to create an intelligence-led organization including piloting the creation of Hybrid Criminal Squads, Threat Fusion Cells and new performance metrics designed to illustrate community impact within the FBI’s top priorities.

Following the Terror Attacks of September 11, 2001, Mr. Harrington was asked to take a leadership role in the expansion of the FBI’s Counterterrorism Division and the creation of the National Security Branch. Mr. Harrington was part of the leadership team that guided the FBI through an unprecedented time of development, expansion and transformation. He was responsible for the creation of the National Threat Center Section, the 24/7 Counterterrorism Watch Center, and the expansion of the national network of Joint Terrorism Task Forces. Mr. Harrington introduced the FBI to the principals and methodology of the Balanced Scorecard. He transformed the strategic planning and execution process within the Counterterrorism Division and championed this process to an enterprise level for the FBI. Mr. Harrington’s success in developing strategy, creating alignment and pursuing organizational change within the FBI was recognized with his receipt of the Presidential Rank Award of Distinguished Executive from President Bush and the Presidential Rank Award of Meritorious Executive from President Obama.

Mr. Harrington is a member of the Citi’s Operations & Technology (O&T) Operating Committee, Management Committee and the Operation Risk Council.

Mr. Harrington received a B.S. in Accounting from Mount St. Mary’s University and is an Honors Graduate of the Stonier Graduate School of Banking, American Bankers Association, University of Delaware.

Iddo de Jong is Senior Expert in the DG Market Infrastructure & Payments of the European Central Bank and currently responsible for policy development on SEPA for cards and innovative payment solutions (payment initiation services, e-commerce payments, and virtual currency schemes).

Working in central banking as of 2000, first at De Nederlandsche Bank, and at the ECB as of October 2006, he has worked on various retail payments issues (payment infrastructures, cards and other payment instruments, standardisation, innovation, security, as well as in offering payment system services to commercial banks).

Starting his professional career at the Ministry of Transport, he worked on the economic benefits of transport infrastructure, held a management position and was counsellor to one of the top-managers.

He holds a M.Sc. in Economics from the Erasmus University Rotterdam, the Netherlands.

Izabella Kaminska is a blogger and commenter for the Financial Times, with a keen interest in commodities, central banking and technology. She joined FT Alphaville, the paper's award winning blog, in October 2008. Before that she worked as a producer for CNBC, a natural gas reporter at Platts and also as an associate editor of BP's internal magazine. Previous reporting stints have also included time on English-language business papers in Poland and Azerbaijan and as a Reuters graduate trainee. She is currently working and researching a book on cultism in markets.

William Knottenbelt is Professor of Applied Quantitative Analysis and Director of Industrial Liaison in the Department of Computing at Imperial College London, where he became a Lecturer in 2000. He is a co-founder of the Imperial Bitcoin Forum and is the Director of the Centre for Cryptocurrency Research and Engineering. He serves on the steering committee of the Quantitative Evaluation of Systems conference series, is an editor of Performance Evaluation Journal, and has served as general or program chair of numerous conferences and workshops related to quantitative modelling and analysis. A keen supporter of student-led innovation, he is the Innovation Fellow for the Department of Computing and serves on the Entrepreneur First Science Partners panel.

Morgan is the global business head for cross-currency payments at Citi which helps corporate, financial institutions and public sector clients make payments globally to empower their business.

Prior to this role she was the Chief Operating Officer of Global Treasury and Trade Solutions (TTS) at Citi. Previously she served as the COO for Transaction Services in Europe, Middle East and Africa, and prior to that served as the Chief Financial Officer of Citi Transaction Services globally.

Before this role, she was the Chief of Staff for Robert Druskin, Chief Operating Officer of Citigroup. She began her career at Citigroup in the Strategy group of the Corporate and Investment Banking division. Before joining Citigroup, Morgan worked in the New York office of London International Financial Futures and Options Exchange (LIFFE) in a strategic relationship management role.

Prior to LIFFE, she traded equities and derivatives for Martin “Buzzy” Schwartz, an independent trader based in Boca Raton, Florida. She began her career as a Management Associate at Capital One Financial in Richmond, Virginia.

Morgan received a BA in Computer Science from Amherst College and an MBA from Harvard Business School. She is a William Pitt member of Chatham House and member of Council on Foreign Relations, a US-based non- partisan organization focused on US policy issues.

Aditya Menon is Managing Director of Citi, Global Digital Strategy. A three-time entrepreneur in transaction, retail banking, and payments systems, Aditya’s background has spanned opportunities with Sungard, ACI Worldwide and Obopay. As global head of product management at Obopay, he pioneered mobile payments rollouts in India (Nokia Money), Africa (Yu Cash) Kenya, (Warid Pesa) Uganda and (Yoban Tel) Senegal. In addition, Aditya helped successfully raise over $80MM in funding at Obopay, and spearheaded the launch of Yes Bank in India, now a leading retail and commercial bank in the country. Since 2011, Aditya has been driving global digital strategy at Citi with a focus on digital disruption across consumer and corporate banking, mobile and digital payments, data analytics and dynamic offers. More recently, Aditya has been driving API strategy & architecture, open banking strategy, banking value added services, and closely collaborating on digital acceleration programs that promote innovation through labs and hackathons. In his current assignment, Aditya is working on a Consumer digital engagement framework to leverage big-data insights to drive next best action, establish dynamic personalization, and provide strategic technology direction on digital platforms to Citi’s global financial technology initiatives.

Ken has 20+ years experience in International Financial Services across retail and corporate banking. Working for some of the world’s leading financial services companies, Ken has lived and worked in over 15 countries and held executive leadership roles in Product Management, Technology Delivery and Business Development. Ken joined Citi in 2008 and established Citi’s first global innovation lab and subsequently partnered with others to roll this model out to create a network of collaborative innovation centres across Citigroup globally.

As Head of Citi Innovation Labs, Ken’s role is to lead the team to: conceive, develop and launch new ventures and services that disrupt and transform the financial services industry; introduce new practices and capabilities into Citi that drive incremental value; create brand differentiation by engaging with clients and partners in the delivery of Citi’s innovation agenda. Ken holds an Honors Degree in Commercial Computers & Psychology from WIT. He is married with two children and lives in Ireland.

Asad Naqvi is a Managing Director at Apis Partners, a private equity fund specializing in financial services investments across growth markets. At Apis, Asad is actively involved in originating, executing and managing the firm’s financial sector investments.

Prior to Apis, Asad had over 14 years of experience in private equity investing and corporate finance. Asad was a Partner at Wolfensohn Fund Management, a private equity fund focused on financial services and emerging markets, and headed the firm’s London office. At Wolfensohn, Asad was responsible for all aspects of the investment process, and managed several of the firm’s financial services investments, ranging from consumer finance lenders to stock exchanges.

Previously, Asad was the Director of Acquisitions && Investments at The Resource Group (TRG), a global investment holding company where his experience included over 10 private equity style investments in the business services sector. Asad started his career at Lazard where he worked on over 10 M&A transactions with an aggregate value of over $14bn.

Asad has served on the board of directors of several portfolio companies, and holds an MBA from Harvard Business School and a BA in Economics from Georgetown University.

Harry is Head of Banking at SWIFT.

He is responsible for SWIFT’s banking strategy and for managing a series of market initiatives, such as business intelligence, reference data and SWIFT’s corporate connectivity.

He has been closely involved in payment system innovation and regulation in EMEA across both banking and securities systems such as TARGET2, TARGET2 for Securities, Euro1. More recently he has been SWIFT Programme Director for the NPP retail payment system in Australia based in Sydney.

He has 20 years’ experience in financial markets and market infrastructures globally, designing and managing RTGS systems and SWIFT’s role in RTGS systems. Before joining SWIFT, Harry worked for APACS in the UK, where he project managed the development of CHAPS Sterling RTGS and CHAPS Euro RTGS as well as working on retail payment system development.

Marc is a Capco Partner with 25 years of international experience as both as a consultant and industry practitioner in retail banking, cards and payments and fintech.

His roles have ranged from executive management of UK, Ireland and Nordic payments businesses to sales organisation transformation, accountable executive for new technology delivery, leadership of industry change programmes.

He has particular expertise in retail payments and cards including credit, debit, prepaid and commercial products, market transformation, new technology/product development and go-to-market, and leading industry innovations in financial services.

An expert in financial service innovation, Carol Realini is a serial entrepreneur and globally-recognized technology pioneer. Attending the World Economic Forum, she led global discussions on alternative banking. Recognized as a top woman in Silicon Valley, she sits on boards and advises financial services and mobile companies.

Naveed Sultan is Global Head of Treasury and Trade Solutions in Citi's Institutional Clients Group. With over 25 years of institutional banking experience, Mr Sultan has been at Citi for over 20 years in a range of increasingly senior roles, and currently, is responsible for the business management of Treasury and Trade Solutions globally. This multi-billion business is one of the largest global businesses encompassing multiple integrated solutions within Citi's Institutional Clients Group including: Trade and Supply Chain, Export Agency Finance, Liquidity and Investment Management, Wholesale Cards Services, Information Services, Receivables, consulting and digital services serving public sector clients, corporates and financial institutions, a client base that includes 94% of the top 500 global companies, 700 public sector clients and 600 banks, asset managers and insurance companies in over 120 countries

Prior to his appointment to his current role in June 2011, Mr Sultan was the Transaction Services Region Head for Europe, Middle East and Africa (EMEA), the largest region for this business line with a presence in over 50 markets and a multi-billion dollar revenue base.

Mr Sultan has served as a director on the board of LCH Clearnet, Citibank A.S (Turkey) and Citibank Europe Plc. He is also a member of the Operating and Management Committees of the Institutional Clients Group. He is a member of Citi's Innovation Council and chairs the Global Innovation Council for Treasury and Trade Solutions. He is also a member of the Smart London Board; advisory board to Mayor of London.

He joined Citi with Saudi American Bank (SAMBA), an affiliate of Citibank, in 1993 where he held several senior positions including Global Transaction Banking Group Head and Senior Country Operations Officer. In 1999, he became the business head for Citi's Transaction Bank for Western Europe, based in London. Before joining Saudi American Bank, Naveed was the Country Corporate Banking Head for Standard Chartered Bank in Pakistan.

Mr Sultan has wide-ranging experience covering Corporate Banking, Corporate Finance, Transaction Banking, Operations & Technology and is a regular speaker and author on such topics. He has also taught Business to Masters graduates at the University of Punjab in Pakistan. He is also engaged with Imperial College and Oxford University in an advisory and lecturing capacity.

Mr Sultan holds an M.S. in Management from M.I.T's Sloan School of Management as well as an M.B.A. from the Institute of Business Administration, Lahore.

Paul is a Senior Executive Leader representing and acting as the face of ACI globally to the Payments Industry. He is responsible for strategic development of propositions within ACI and with the Payments Industry Globally.

ACI is a Global Payments provider which works with the Major Banks, retailers, billers and processors as well as Government and Industry Bodies.

Prior to ACI, Paul has served in executive roles at Stratus Technology, IBM, Destiny USA, Microsoft and Catalyst Technologies.

Hank Uberoi has served as Earthport’s CEO and Executive Director since February 2010, prior to which he was an investor in the company.

Before joining Earthport, Hank focused on investments in technology, financial services and payments with an emphasis on cross-border business models. Until April 2004 he was the Chief Operating Officer at Citadel Investment Group and previously spent fourteen years at Goldman Sachs, where he was a partner and co-Chief Operating Officer of the technology division.

Hank graduated from Williams College, Massachusetts with a BA, Magna Cum Laude.

Qualifications

Member of the Institute of Chartered Accountants in England & Wales
BA (Hons) in Economics and Business Finance

Specialist focus

Likhit is a Partner and the Global Industry Leader for Banking and Financial Markets within IBM’s Global Business Services. Prior to taking up that role, Likhit led IBM’s Banking and Financial Markets team in North East Europe. His previous roles within IBM were: Leader in Europe for Value Creation and Leader of the Strategy and Change practice.

Likhit has also led the M&A practice at PwC and has extensive corporate finance experience.

Relevant experience

With over 15 years of experience in the field of strategic consulting, including Value Based Management and Mergers and Acquisitions, Likhit’s extensive experience of leading complex engagements has addressed the development and implementation of value creation strategies, new business models, performance management, organisational change, and decision support systems.

Under Likhit’s leadership, IBM have developed a market leading position in solutions that support the transformation of core banking and multi-channel processes and systems.

Likhit’s blue chip client base includes NCB, China Construction Bank, K Bank (Thailand), Standard Bank of South Africa and Itau.

In addition, Likhit oversees teams that work extensively with global banks such as Bank Of America, JPMC, Citigroup, Santander, Lloyds Banking Group and RBS.

Ruth Wandhöfer is a regulatory expert in the field of banking and one of the foremost authorities on transaction banking regulatory matters. She is Global Head of Regulatory and Market Strategy for Citi's Treasury and Trade Solutions business. In this role Ruth's key responsibilities include driving regulatory and industry dialogue and developing product and market strategy in line with the evolving regulatory and innovation landscape.

Ruth chairs a number of influential industry bodies such as the Global Public Policy and Regulatory Affairs Committee of BAFT, the European Banking Federation Payments Regulatory Expert Group and the European Payments Council (EPC) Payment Security Group. She is also a board member of the EPC, a member of the European Commission Payment Systems Market Expert Group (PSMEG) and a member of the UK Payment Systems Regulator Payments Strategy Forum.

In her spare time she mentors FinTech start-ups in London and the US.

Ruth was named as one of 2010s 'Rising Stars' by Financial News; named in Management Today's 2011 '35 Women under 35' list of women to watch (Sunday Times), and one of the 100 Most Influential People in Finance 2012 as named by Treasury Risk Magazine. In 2015 she was the recipient of the 'Women in Banking and Finance Award for Achievement'.

She speaks five languages (EN, DE, F, ES, IT) and has completed studies in various countries, including an MA Financial Economics in the UK, an MA International Politics in France and an LLM in International Economic Law in the UK. In 2010 she published her first book on "EU Payments Integration – the tale of SEPA, PSD and other Milestones along the Road" (Palgrave MacMillan) and has been a fellow lecturer of the Pallas LL.M Program in European Business Law and occasionally lectures at Queen Mary London School of Law. Her second book "Transaction Banking and the Impact of Regulatory Change: Basel III and other challenges for the global economy" (Palgrave MacMillan) was published in October 2014.

Lawrence spent over 20 years as an advisor, executive, and board member to build, grow, optimize, re-structure and divest companies from start-ups to global brands. As a Big Four advisor, he has worked with global brands across the financial services, TMT and energy sectors in Europe, Asia and North America. In recent years he has focused on the small cap venture capital and private equity markets and has experience owning, running and advising alternative asset managers and technology start-ups. Wintermeyer has been an early supporter of Innovate Finance and is working towards growing the organisation to ensure the UK is at the centre of global FinTech innovation.