Mads Krumhardt Enggren has over 20 years’ experience in the card and payment industry and was prior to Head of SEB Kort, head of the corporate segment in the company. SEB Kort is the largest issuer of commercial cards in the Nordic region with Eurocard as the main brand. Focus has been on optimizing customers’ expense management processes connected to payment claims and non-strategic procurements. This has been implemented through improved customer journeys, digital solutions and by simplifying the entire payment process – both before, during and after a purchase. Mads has just recently joined the board of Getswish, the leading mobile payment service in Sweden with more than 7 million users.

Brooke DiNatale leads the European Large Market Commercial Products team for Mastercard, based in London. Her team is responsible for the development, launch and management of T&E and B2B Commercial Payment solutions in Europe. Prior to joining Mastercard, Brooke spent 10 years at American Express in London and NYC. Most recently she led the development and management of international loyalty solutions for Corporate Products, primarily focused on creating and launching a company-level loyalty program for the Middle Market space in 11 countries. Brooke also held roles in global business transformation, pursuing M&A opportunities and global business development, and creating partnerships with banks and travel agencies. She was previously director of finance for a satellite media company and spent several years as an investment banker.

Erwan is a commercial card products specialist with more than 15 years of experience in card sales, operations, and account management. He now leads client consultations on process and cash flow improvement using card payments and helps optimise card programmes for HSBC key customers.

Frank Martien commenced his post-MBA career in 1996 with First Annapolis Consulting, Inc. (“FA”) where he focused on card strategy, launch, and optimization for networks, national & regional financial institutions, technology companies, and private equity firms in the U.S., Canada, Europe, and Latin America. He was named an FA equity Partner in 2006. Following the acquisition of FA by Accenture in March 2017, Frank continued as a Managing Director and payments expert at Accenture through October 2020 with a focus on commercial, business, and consumer payments. Windward Strategy, Inc. was formed by him in October 2020 to provide strategy consulting with a focus on B2B payments settled on card rails. Frank is well known and trusted in the B2B payments industry and has served on the global advisory board of Commercial Payments International for many years.

Eric Tak is Global Head of ING’s Payments Centre, responsible for defining the bank-wide Payments Strategy and execution of the bank-wide roadmap for all segments across the ING network. Eric joined ING as Global Head of Cards in 2011 following his experience as Director of Cards Products and iDEAL with Dutch payments scheme management company Currence from 2005 onwards. Prior to that he has worked for ten years at PricewaterhouseCoopers/PwC Consulting as Associate Director, Financial Services Sector and after the acquisition by IBM as Associate Partner. Eric started his career from 1991-1996 with ABN AMRO as Relationship Banker Corporate & Global Clients and Cash Management Consultant. Eric studied Business Economics (Vrije Universiteit Amsterdam) and Business Administration (Nyenrode University).

Waleran Guinard is head of the Consumer Cards for BNP Paribas. In charge of the Payment Community within the group he leads the BNP Paribas relationship with both Visa and Mastercard. Helping the entities within the BNP Paribas to build common value offer such as Payment in Control, Card Link Offer, Global ATM Alliance … He also help defining the BNP Paribas offer strategy towards EPI. He is also in charge of niche offer including the upcoming co-brand Accor Payment Card : payment card linked to the All Accor Loyalty account. His background is entrepreneurial (created the gift boxes in France in 2002) and intrapreneurial (created first French gift card with Kadéos and prepaid activity within BNP Paribas group) after the EM Lyon Business School that he graduated from in 1999.

David has over 20 years’ experience in the payments industry and was previously with a major UK Commercial Card issuer before being asked to join Visa Europe. He has held a series of senior leadership positions including Head of Commercial Card Products, Head of Government Services, Head of European Market Development and Regulatory Workstream leader. David established PaySavi in 2018 to develop payment optimisation, data and business development solutions for service providers and their clients. Based in London, PaySavi provides access to experts in business development, proposition development, research and data architecture based in Europe and Asia Pacific. In addition to working with issuer, acquirer, fintech, government and end user clients, PaySavi works with regulators and business associations. Its sister company, SaviCom, provides advisory and implementation services on GDPR, PSD2 and IFR.

Based in Brussels for the past 17 years, Monica Monaco is the founder and managing director of TrustEuAffairs. TrustEuAffairs advises its clients on Eu legislative relevant initiatives. Monica is a member of the Society of European Affairs Professionals (SEAP) since 2004, and served as a member of the SEAP Board from May 2012 to May 2015. Furthermore, Monica is Member of the Europol Virtual Currencies Taskforce and also Member of the European Commission Payment Systems Market Expert Group (PSMEG). Monica’s areas of focus are financial services, payment systems and technology, new payments means such as mobile and crypto, as well as e-commerce. Monica has been Senior Manager for EU Relations and Regulatory Affairs in the Legal Department of Visa Europe for more than ten years, being responsible for the relations with the European Commission, the European Parliament and the European Council Working Group on Financial Services, as well as with various national regulators. Before joining Visa Europe she has been working as a Consultant for both Andersen, Deloitte & Touche and the OECD in Paris, dealing with a variety of financial services matters. She also worked for the Council of Europe in Strasbourg, in the Committee on Parliamentary and Public Relations. Monica holds a Master's Degree in Economics, European Law oriented, from L.U.I.S.S.- Guido Carli University in Rome, Italy.

Javier Santamaría is Chair of both the European Payments Council and the Iberpay Board. He has broad and balanced expertise in the intertwined dimensions of payments — business-related, operational and technical — across different client segments and product lines in both legacy and innovative spheres. He has experience in both cooperative and competitive environments and is further developing this expertise as an independent professional. His professional interests extend to a variety of banking fields and he continues to be actively engaged in academic matters.

Patrick is Senior Advisor at Arthur Dr. Little managing consulting firm. He also active as business angel, board member and investor in travel & payment start-ups. Patrick was CEO at Lufthansa AirPlus where he headed their Global expansion strategy and developed AirPlus into one of the leading commercial card issuers. Earlier he led Visa Germany, and was SVP consumer marketing at Commerzbank. In his career he worked in the USA, UK and Germany, several times in start/scale-ups. He holds a Master of Economics degree of Hamburg University. 2017 Patrick was named one of the ‘25 most influential’ by Business Travel News. Currently Patrick volunteers for VDR, the German Business Travel Association. He leads their task force ‘restart business travel’.

Max is a partner in Sidley Austin’s Banking and Financial Services practice in London. He has over twelve years of experience advising firms across the payments sector on EU and UK regulatory issues, including licensing, conduct of business, interchange, data security, outsourcing, governance and AML. Max’s clients include issuers, acquirers, processors, payment systems, and money transmitters, as well as crypto asset platforms and other fintech and tech firms that provide or support the provision of payment services. He has experience advising on regulatory issues relating to a number of different industry verticals, including travel & hospitality, fuel and e-commerce. Max has advised on a number of cross-border transactions and strategic regulatory projects for leading international financial institutions. These have included M&A and restructuring transactions, as well as new products and partnerships. Max also advises on contentious and regulatory engagement matters for financial sector clients, and has worked with several international firms and trade associations in discussions with EU and UK policy makers and regulators.

Linda Weston, Product & Client Services Director for Barclaycard Corporate Issuing business, has over 20 years’ experience in the Commercial Payments industry. In her current role she is accountable for leading the product team to deliver innovative, best in class commercial payment products and digital solutions as well as the teams who are responsible for dedicated client technical consultancy. Since joining Barclaycard in 2014 Linda has spearheaded a cultural change in product management approach, lead a transformational migration programme and driven key enhancements to client consultancy and support. Prior to joining Barclaycard Linda worked at J.P. Morgan where she was instrumental in establishing a Commercial Payments issuing business across EMEA from scratch. Her early career was with RBS where Linda held a variety of Operational and Product roles.

Duncan joined Visa in May 2018 as part of the global Business Solutions team, that provide payment products for business, focussing on new solutions across card network and account to account transactions. Duncan has worked in payments for over 20 years in a variety of product management roles in Australia and Europe, both as a commercial card issuer, in real time payments providers, in cash management services, and in payments data analytics. His time in Europe has included working for Vocalink, JP Morgan, Bank of America and the RBS Group.

David Trecker is Senior Vice President of Business to Business (B2B) Payments at Mastercard. Responsibilities include leading In Control, Mastercard’s virtual card platform, and Track Business Payment Service, Mastercard’s multi-rail open-loop network to simplify and automate B2B payments. Prior to joining Mastercard, David held diverse leadership positions in Transaction Banking over 15 years. Most recently he was Supply Chain Finance Head at Bank of America; Before that, Global Venture Capital Lead for Citi Treasury & Trade Solutions. David is a member of the Commercial Payments International Global Advisory Board and an active contributor to the Global Supply Chain Finance Forum, a collaboration of leading industry associations to develop, publish and champion a set of commonly agreed market standards. David holds a Bachelor of Science in finance and legal studies from Indiana University and a Masters of Business Administration from The Wharton School of the University of Pennsylvania. He is based out of Mastercard’s world headquarters in Purchase, New York.

Greg Toussaint is a Director at Edgar, Dunn & Company (EDC) based in the Paris office. He has more than 15 years of consulting payments experience with EDC in business strategy for financial services clients in Asia, Europe, Middle-East and the Americas markets. Greg has worked in EDC London's, Sydney's and Paris' offices and developed global perspectives on payments. He has gained extensive knowledge in both retail and B2B payments, including card products, instant payments and alternative forms of payments while working for a diversity of actors in the payments space (e.g. central banks, issuing and acquiring banks, payment schemes, merchants and payment providers). In particular, Greg has developed strong expertise in B2B payments with both demand-side clients (e.g. in the travel such as Air France, AccorHotels and IATA or other actors such Lyreco) and supply-side clients (e.g. schemes such as Mastercard, UATP, Visa and issuers such as BNP Paribas). Greg is a regular conference speaker and chairman at events focused on payments business and cards such as the MRC, Trustech or Commercial Payments International. Greg holds a Masters in Applied Mathematics and Computer Sciences from both Grenoble Institute of Technology in France and Barcelona Tech (UPC) in Spain.

Patrick Bermingham is CEO at Adflex. He has over 20 years’ experience in the payments industry, overseeing the growth and development of Adflex as a premier B2B payments service provider. He is responsible for overseeing product development and ensuring the final link of supplier card acceptance is as frictionless as possible. Prior to Adflex, Patrick specialised in ERP system design and development.

Francesco Cerlienco heads up the Commercial Cards Product Development and Market Management team at Citibank and is responsible for market management, product development and regulatory changes across Europe, Middle East and Africa. Francesco joined Citi Treasury and Trade Solutions business in 2008 serving in various roles, including client onboarding, implementation and business management before moving on to product management. Prior to Citi, Francesco worked at Deutsche Bank developing IT solutions for the derivatives trading desk. He started his career at Thomson Reuters where he held a number of positions in business analysis, client training and product delivery. Francesco has a Master’s degree in Management from the London School of Economics and a degree in Political Science and Economics from Cagliari University in Italy. He also holds the Certificate in International Cash Management from the Association of Corporate Treasurers.

Sergio Ortega is responsible for BBVA’s global commercial cards solutions development enabling local, regional and global enterprises to homogeneously manage the expenses made with commercial cards in BBVA footprint (Europe & LAC). Sergio has 15 years experience in Payments Systems, first in BBVA Spain (consumer issuing, acquiring and innovation) and since 2012 in global positions focused on commercial cards. He is leading BBVA’s global commercial cards solution business line development from scratch following design thinking & agile methodologies, coordinating cross-functional local, global, business & IT teams. Sergio has a Master Degree in Computer Science from Deusto University (Spain) and Aalborg University (Denmark). He also has an Executive MBA from Esade Business School (Spain).

Jørgen Christian Juul is the founder of Cardlay and has extensive experience from holding Executive positions in listed companies and other corporate organisations, and at the same time being an entrepreneur. In his most recent position, he served as Executive Chairman at Wallmob, which he founded, operated, and sold to the Nordic IT Conglomerate Visma.

Self-Confessed card geek, Martyn has been involved in the card market since 2006. Working specifically on the Program Management and processor space Martyn has successfully launched programmes across multiple verticals. Today, Martyn heads the Sales function for one of the worlds largest Fintechs, FIS Global. With a processing portfolio of over 24m FIS global is the world’s largest Issuer processor and is one of the few full-service processors offering a range of BPO services for Tier 1 banks and Start-ups, globally.

Greg Toussaint is a Director at Edgar, Dunn & Company (EDC) based in the Paris office. He has more than 15 years of consulting payments experience with EDC in business strategy for financial services clients in Asia, Europe, Middle-East and the Americas markets. Greg has worked in EDC London's, Sydney's and Paris' offices and developed global perspectives on payments. He has gained extensive knowledge in both retail and B2B payments, including card products, instant payments and alternative forms of payments while working for a diversity of actors in the payments space (e.g. central banks, issuing and acquiring banks, payment schemes, merchants and payment providers). In particular, Greg has developed strong expertise in B2B payments with both demand-side clients (e.g. in the travel such as Air France, AccorHotels and IATA or other actors such Lyreco) and supply-side clients (e.g. schemes such as Mastercard, UATP, Visa and issuers such as BNP Paribas). Greg is a regular conference speaker and chairman at events focused on payments business and cards such as the MRC, Trustech or Commercial Payments International. Greg holds a Masters in Applied Mathematics and Computer Sciences from both Grenoble Institute of Technology in France and Barcelona Tech (UPC) in Spain.

In a career spanning over 40 years, Philip has held senior credit management roles in the high-tech and communication sector and in distribution and retail, which included spells at Olivetti and Vodafone. He was appointed Director General of the ICM in 2005, and later Chief Executive. Philip was behind the Institute’s drive to become a Chartered body (becoming the CICM in 2015). He was appointed to the post of interim Small Business Commissioner in January 2020. Philip is the author of the Managing Cashflow Guides for government, and the architect of the Prompt Payment Code which the CICM administered on behalf of the Department for Business, Energy and Industrial Strategy (BEIS) until it was transferred to the SBC’s office in March 2020. He has worked closely with successive governments in championing best-practice credit management and supporting small business. In his time leading the CICM, Philip helped transform the Institute and elevate its profile, keeping professional credit managers in the minds of government and key influencers. He was a board member of the Start-Up Loans Company, the Red Tape Champion for Insolvency and the first ever lay Chair of the Joint Insolvency Committee.

David is an experienced Card professional who has worked for over thirty years in the sector, he currently has responsibility for the Product function at Lloyds Bank Commercial Cards. He has been with the Lloyds Commercial Cards business for over ten years and during this time has led the re-engineering of both their Solution sets and technology strategy. Prior to joining Lloyd’s he worked for over twenty years for First Data in a variety roles supporting solution development and deployment for Issuing, Acquiring, Consumer and Commercial customers.

Pranay is a senior payments executive with 15+ years of experience working with financial institutions, providing payments and transaction banking solutions globally. In his current role, Pranay runs the Global Business Payment Products organization for Amazon, which includes working with banks/NBFIs to build/run payment products to delight business customers shopping on Amazon. Previously, he has served as the CFO for Business Payments and Lending for Amazon, and in leadership roles for some of the largest European banks like Barclays and RBS. He holds an MBA from Glasgow University UK, and is a chartered member of the CFA institute, USA.

David has over 20 years’ experience in the payments industry and was previously with a major UK Commercial Card issuer before being asked to join Visa Europe. He has held a series of senior leadership positions including Head of Commercial Card Products, Head of Government Services, Head of European Market Development and Regulatory Workstream leader. David established PaySavi in 2018 to develop payment optimisation, data and business development solutions for service providers and their clients. Based in London, PaySavi provides access to experts in business development, proposition development, research and data architecture based in Europe and Asia Pacific. In addition to working with issuer, acquirer, fintech, government and end user clients, PaySavi works with regulators and business associations. Its sister company, SaviCom, provides advisory and implementation services on GDPR, PSD2 and IFR.

Bill is Head of open Banking at the CMA. He led the design and then the implementation of the open banking remedies adopted as part of the package of measures adopted by the CMA intended to address the competition concerns arising from its market investigation into retail banking. Before entering the world of regulation (initially at the Competition Commission) he held a number of senior commercial positions within the information businesses of Thomson Reuters. Prior to that he was Deputy Director of Which?.

Simon has over 30 years of experience in finance, treasury and transaction banking across both developed and emerging markets. As ClearBank’s Chief Customer Officer, Simon leads the technology platform’s client management, product and marketing functions, ensuring a customer-centric focus is at the heart of ClearBank’s products and services. Prior to joining ClearBank in 2019, Simon spent over 20 years at JPMorgan. During his time at the bank, he was responsible for treasury solutions in EMEA, supporting clients around the world. He was also Head of Corporate Sales in EMEA from 2012 to 2015 and Asia Regional Executive for Treasury Services from 2006 to 2010, based in Hong Kong. Simon is actively involved in UK FinTech as a Mentor for TechStars Accelerator programme.

Clara García Benedito works at BBVA, where she is Head of Global Solutions for Commercial and Corporate Banking which purpose is to create end to end treasury solutions for enterprises that operate worldwide Clara has +15 years of business development experience in banking. She joined BBVA Group in 2006, participating in the Transaction Services in Spain After, in 2008 she moved on to the Global Product where she has developed different roles and initiatives Her main achievements are related to the global customer implementation and experience over SWIFT and H2H, Payment standardization within BBVA, global cash pooling, global payment hub for corporates, cross-border payments over blockchain, SWIFT gpi, global supply chain finance, global expense management for commercial cards, among others.

David has over 20 years’ experience in the payments industry and was previously with a major UK Commercial Card issuer before being asked to join Visa Europe. He has held a series of senior leadership positions including Head of Commercial Card Products, Head of Government Services, Head of European Market Development and Regulatory Workstream leader. David established PaySavi in 2018 to develop payment optimisation, data and business development solutions for service providers and their clients. Based in London, PaySavi provides access to experts in business development, proposition development, research and data architecture based in Europe and Asia Pacific. In addition to working with issuer, acquirer, fintech, government and end user clients, PaySavi works with regulators and business associations. Its sister company, SaviCom, provides advisory and implementation services on GDPR, PSD2 and IFR.

Jason Maude is a coder, coach, and public speaker. He has over a decade of experience working in the financial sector, primarily in creating and delivering software. He is passionate about explaining complex technical concepts to those who are convinced that they won't be able to understand them. He currently works at Starling Bank as their Chief Technology Advocate and host of the Starling podcast.

Dean Leavitt is the founder and CEO of Boost Payment Solutions, the only acquirer in the United States focused exclusively on the business-to-business electronic payments. Dean is a well-respected veteran of the electronic payments industry with nearly 25 years of experience in various leadership roles at both public and private companies. Dean has received numerous awards from his industry peers and is often asked to speak at industry events. Dean currently serves on the advisory board of Commercial Payments International, having previously served two terms on the board of directors of the Electronic Transaction Association. Dean holds a B.A. with high honors from Emory University, where he served on the college’s Alumni Board of Trustees from 2002-2008.

Priscilla is responsible for analyzing the Accounts Payable spend, managing the supplier enrollment campaigns including high volume supplier negotiations as well as consulting with buyers on best practices, implementation strategies and optimization efforts. Prior to joining MUFG, Ms. Crawford worked on the buyer’s side in Accounts Payable where she implemented and managed an ePayables, Purchasing and Travel Program in the healthcare industry. Priscilla has over 10 years of experience with extensive knowledge of supplier enrollment and industry standards.