Melissa Sefic is SVP, Head of Commercial Payments International which is an organization that produces educational networking events for professionals in the commercial card and payments industry. With over 15 years’ experience in the conference and events business, Melissa comes from American Banker where she oversaw sales and business development initiatives acting as a consultant to many organizations looking to expand their brand and thought leadership presence in the U.S. She is based in New York City.

Nicki has enjoyed more than 35 years in the cards and payments industry internationally. Most recently as Group Head for PayTech – a specialist advisory services company supporting payment schemes, banks, processors and corporate clients on leveraging the opportunities provided in this highly specialized space worldwide. PayTech has under his leadership delivered more than 700 projects in 32 countries in the past 10 years alone and provided consulting services to 65% of the world’s 20 largest banks and a long list of smaller ones. Today, PayTech is recognized as a leader in their field of specialist payments expertise. Prior to founding PayTech, Nicki had a distinguished career from leadership positions as CEO at EnterCard, Head of Corporate Products at Visa Europe, Senior Vice President and head of products at DNB and Marketing Director at Sparebankort in Norway. He was instrumental setting up the new and very successful FinTech company EedenBull in 2018 in response to customer demand from banks looking for practical support for new and innovative payment solutions in a time where new technologies, new regulations and new players are changing the way consumers and businesses think about payments. He was consequently appointed Chief Executive Officer at EedenBull in May 2018.

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).

Lorena is passioned about her professional career in international corporate treasury environments. She has built extensive experience in Corporate Treasury departments of listed companies such as Ferrovial SA, Laureate International Education Ltd. Expertise in implementing Business Intelligence projects, systems integration and process optimization. Lorena is currently working as EMEAR Treasurer for Epson Europe BV. intending to add value to the company applying new technologies.

Based in Brussels for the past 16 years, Monica is the founder and managing director of Trust EU Affairs. She is a member of the Society of European Affairs Professionals (SEAP) since 2004, and served as a member of the SEAP Board from 2012 to 2015. Monica is Member of the Europol Virtual Currencies Taskforce and also Member of the European Commission Payment Systems Market Expert Group (PSMEG). Monica has been Senior Manager for EU Regulatory Affairs in the Legal Department of Visa Europe for more than ten years, being responsible for the relations with the European Commission, Parliament and Council, 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 as well as the Council of Europe in Strasbourg, dealing with a variety of financial services matters.

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.

Andrew is a Senior Product Manager for Commercial Cards, GTS EMEA at Bank of America. He is responsible for managing the bank’s B2B Commercial Cards product suite, including Purchasing Cards, Virtual Payables and associated services. He is focused on driving payment integration into Procurement processes and increasing supplier acceptance across the region. Andrew joined Bank of America in 2018 and has over 20 years’ experience in commercial payments at a number of payment start-ups and global issuers.

Reza Satongar is the founder and CEO of UK-based Dataflexnet Limited. Dataflexnet provides innovative solutions for 3 main sectors: travel agents, corporate travel managers, and credit card companies. Dataflexnet has nearly 25 years’ experience working with blue-chip companies having developed a range of products and services for online bookings, expense management, T&E, and PSP. With SharePay and FlexID, Dataflexnet has introduced services designed specifically to help the payment processing industry overcome the challenge of recently introduced security and data sharing regulations. With FlexUTN, the company provides a Virtual Card platform delivering the highest levels of payment security and process excellence.

Nick is responsible for the strategic development of all Conferma Pay’s B2B partnerships and initiatives. Having joined Conferma Pay in 2011 and since accumulated experience in a number of roles, he works closely with the company’s global commercial card partners to deliver innovative ways for corporations to make business payments with virtual card-based technology.

Andreas Hagenbring serves as Managing Director AirPlus International, responsible in particular for Finance (CFO), Global Services and Regulatory & Risk. AirPlus is a highly specialized business travel payment company and one of the leading global corporate card issuers with 1,300 employees. It provides services to more than 50,000 corporations in more than 60 countries. Prior to joining AirPlus International, Andreas Hagenbring spent altogether ten years in senior management roles in Mergers & Acquisitions and Investor Relations of Lufthansa Group. Previously, he was Project Manager Mergers & Acquisition at the auditing firm Ernst & Young and a German private bank. Andreas Hagenbring has studied International Management in Malente and Chelmsford.

Matyas has led a range of payments related projects across Europe, North America and Asia. These have predominately focused on cross-border payments, card acquiring, and the ever evolving FinTech ecosystem. Not only has he led projects for some of the most well-known global financial institutions, he has also been involved in managing critical consulting projects for a variety of FinTechs (ranging from start-ups, scaling FinTechs to more established FinTechs). In his role as FinTech Practice Manager, he is also actively involved in all of KAE’s FinTech-related initiatives and thought leadership.

Nicki has enjoyed more than 35 years in the cards and payments industry internationally. Most recently as Group Head for PayTech – a specialist advisory services company supporting payment schemes, banks, processors and corporate clients on leveraging the opportunities provided in this highly specialized space worldwide. PayTech has under his leadership delivered more than 700 projects in 32 countries in the past 10 years alone and provided consulting services to 65% of the world’s 20 largest banks and a long list of smaller ones. Today, PayTech is recognized as a leader in their field of specialist payments expertise. Prior to founding PayTech, Nicki had a distinguished career from leadership positions as CEO at EnterCard, Head of Corporate Products at Visa Europe, Senior Vice President and head of products at DNB and Marketing Director at Sparebankort in Norway. He was instrumental setting up the new and very successful FinTech company EedenBull in 2018 in response to customer demand from banks looking for practical support for new and innovative payment solutions in a time where new technologies, new regulations and new players are changing the way consumers and businesses think about payments. He was consequently appointed Chief Executive Officer at EedenBull in May 2018.

Tracy Kellaher is Director of Fintech Alliances at Tradeshift, the global commerce platform transforming the way companies come together to transact, connect & collaborate. At Tradeshift, Tracy helps to deliver early payment solutions for the global supply chains of some of the world's largest companies, through programs such as virtual cards. She's had experience at fintechs automating credit and risk analytics to support digital lending for SMEs', and at a global credit agency where she most recently helped financial institutions manage credit risk in their commercial card portfolios. Tracy holds a BA from Brown University in Providence, Rhode Island, and lives in St. Louis, MO.

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.

Vice President for UKI Commercial Issuing, Deb leads business development and account relationship teams to deliver against Commercial Strategy on all segments SME, T&E and B2B including Card and Account to Account payments. Deb has been with Mastercard since 2003, she has a keen understanding of MasterCard’s business, particularly in business expansion, marketing, digital and product development across the following customers - Barclays, BofAML, Citi, HSBC, Lloyds Banking Group, MBNA, Royal Bank of Scotland, Tesco and WEX. Prior to Mastercard, Deb served as Chief of Staff to Founder & CTO, RiverSoft Plc with responsibility for the CEO office of a publicly listed software company with a global presence and multi-million dollar turnover. Deb started her career as Business Manager of Centre for Management Development at London Business School responsible for implementing client relations strategy to build long term relationships with 35 international clients and management of a faculty team of approximately 35 professors and 5 programme managers. Deb is an Alumnus of Ashridge Business School, Co-Chair of MasterCard European Women’s Leadership Network UKI Chapter and European Lead for Global Banking Alliance for Women.

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.

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.

David Voss is head of Commercial Cards, Global Transaction Services, for Europe, the Middle East and Africa (EMEA) at Bank of America Merrill Lynch. He is responsible for product management, new business growth, sales support and account management for the EMEA commercial cards platform. Voss also works with all regions to develop the company’s card capabilities globally. Voss joined Bank of America Merrill Lynch in May, 2017 and has more than 18 years of experience in the cards industry. He has held a variety of senior sales, product and account management roles across Europe, including with G.E, Lufthansa AirPlus and most recently in consumer cards. He is a certified Six Sigma Master Black Belt process practitioner. Voss is based in London and speaks fluent French and German.

Nick is responsible for the strategic development of all Conferma Pay’s B2B partnerships and initiatives. Having joined Conferma Pay in 2011 and since accumulated experience in a number of roles, he works closely with the company’s global commercial card partners to deliver innovative ways for corporations to make business payments with virtual card-based technology.

Martina is CEO of Featurespace and joined the company in 2012. Former Managing Director of augmented reality company Aurasma, Martina has an extensive career in media technology, including leadership roles at Yahoo! Europe and Capital Radio. Martina has been named one of the Top 40 powerful women in tech by Silicon Republic, Cambridge business person of the year 2019 and received the Cards and Payments Industry Achievement Award in 2019.

Alan joined the senior team at Eedenbull in 2019 and is helping to grow the European footprint of this exciting commercial payments Fintech business while building relationships and working with partner banks. Prior to that Alan has been part of the PayTech Commercial team working on multiple growth projects with some of the largest global financial organisations. Alan has extensive international experience built up over 25 years having been responsible for the commercial card issuing business in Europe of US Bank/ Elavon. Prior to that Alan worked with TSYS in Europe and commercial product development at MasterCard in Brussels. Alan is based in Edinburgh, UK and has a Commerce degree from Edinburgh University. In his spare time, Alan is a keen but sometimes wayward golfer.

Hristo Borisov is the Co-founder and CEO of Payhawk – a fast growing European fintech company. He is on a mission to change the face of payments with a next generation spending solution that automates expenses, payments and card spending for growing businesses. With Payhawk, he is building a product that transforms traditional banks to neobanks by helping businesses control card and spend policies in real-time on top of existing bank accounts. His background is in software engineering and emerging products development. He helped develop some of the award-winning products of Telerik which was acquired by U.S. giant Progress Software for $263 million in 2014. In the field of AI, Hristo has a patent-pending technology for CognitiveFlow™ which uses declarative programming techniques to create conversational intelligence for chatbots.

Jan van Vonno spearheads Tink's research and thought leadership program. Founded in Stockholm in 2012, Tink is Europe’s leading open banking platform that enables banks, fintechs and startups to develop data-driven financial services. Tink’s customers include companies PayPal, NatWest, ABN AMRO, BNP Paribas Fortis, Klarna, and many others. Jan is responsible for the strategic positioning of Tink within the context of open banking and Tink's outbound communication and content. Jan worked most of his career for the International Data Corporation (IDC). During his time at IDC, he covered various technology and business topic as the head of the European digital transformation research program.

Chris is a Senior Vice President at KAE, the strategic marketing consultancy. Chris joined KAE in 2007 and during this time, he has managed multiple high profile global projects across the payments space (focusing on various issuing and acquiring topics across both the commercial and consumer payments sectors), banking, FinTech, AltFi and telco industries. His specialist skills are geared to NPD, market sizing and opportunity assessments, benchmarking, and best practice identification. He also heads KAE’s FinTech practice as well as KAE’s wider marketing and business development activity. Chris holds a BSc (Hons) Business Studies degree from the Cass Business School and is also a qualified professional marketer (DipM) and a member of the Chartered Institute of Marketing (CIM). Prior to joining KAE, Chris provided market research and consultancy support on Responsible Business Practice and international development opportunities for the UK Food and Drink industry.