Current Speakers
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Mehdi Manaa

Head of Market Infrastructure Development
European Central Bank (ECB)

Mehdi Manaa is Head of the Market Infrastructure Development Division at the European Central Bank, where he has worked since 2007. Mehdi is also the T2S Programme Manager and has been involved in the T2S Programme from its inception. Formerly, he worked mainly for Euroclear France (previously Sicovam S.A.), where he held various positions and was involved in several projects, including: the Euronext Stock Exchange System (ESES) project, for which he was project leader; the Single Settlement Engine (SSE) project; and the Relit Grande Vitesse (RGV) project, for which he was project coordinator. Prior to this, Mr Manaa worked for Euronext (the then Bourse de Paris), which he joined in 1994.

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Javier Santamaria

European Payments Council (EPC)

Javier Santamaría is the Chair of the European Payments Council (EPC) since June 2012. He has been a member of the EPC since its creation in 2002. Mr Santamaría, former Head of Operations and Business Services, was Senior Vice President with Banco Santander until December 2016. He was a member of the Board of the Euro Banking Association, a Director of the SWIFT Board and of the Iberpay Board also until the end of 2016. As an independent, self-employed professional, Mr Santamaría accumulates a holistic and balanced expertise along the confluent dimensions of payments —business related, operational, technical—, across the different client segments and product lines, in the legacy and the innovative spheres. He has been immersed in both cooperative and competitive environments. Besides payments, he is keen on other banking fields and, also, continues to be actively engaged in academic matters.

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Marijke Koninckx

Global Product Marketing Manager
Open & Instant
FIS Global

Marijke Koninckx is the Global Product Marketing Manager Open & Instant. Based in Belgium, she has held a variety of roles including product management, project management and product marketing. Marijke has been with FIS (Clear2Pay) since 2002 and covered areas ranging from payments, cards, online banking and mobile payments to dispute management and chargeback processing. Prior to joining FIS, Marijke worked in the telecom industry after getting her Master degree in Physics.

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Francis De Roeck

Head of SEPA offering
BNP Paribas

Francis is Head of the SEPA offering for the BNP Paribas group. Francis joined the BNP Paribas group in 2003 and held several different senior managerial positions. Previously he was the Member of the Board at AGF Belgium Bank. He is a payments expert and is involved in the SEPA process since the start. He is a member of various industry committees and represents BNP Paribas in several forums related to development of payments, e-payments and cash management. He is EPC Scheme Management Board member and co-chaired the ERPB e-mandates working group.

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Laurent Hupet

Product Manager – Software Strategy & Innovation
Sopra Banking Software

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Begoña Sánchez

Head of Product Management
ING Belgium
(Chair – WG-Instant payments-

Ms. Begoña Blanco Sánchez is the Head of Product Management-Payments at ING Belgium. She is also representing Belgium in the EPC and chair of the work stream Product Instant Payments in Febelfin (Belgian Fin. Inst. Association)

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Stig Korsgaard

Chief Sales Officer
International Engagements,
Clearing Services
Nets A/S

Stig Korsgaard is currently Chief Sales Officer and Head of the Business Expansion and International Sales Department in Clearing Services at Nets A/S. As a key member of the Clearing Business Unit Management team Mr. Korsgaard is responsible for business development and international sales related to the instant clearing platform solutions including partner strategy and communications. He is coordinating positions and representing Danish Banks and Nets in national and international organisations/industry initiatives such as ISO TC68, EACHA, CGI-MP, the RPTG, etc. Mr. Korsgaard has 18 years of experience in the financial industry on strategy and business development of national and international payments, infrastructure systems and standards, He has previously worked as Head of the Standards department in the Danish Bankers Association and his interests and fields of specialization range from Payments, Clearing, international expert in the payments business and standards area. He holds a Master’s of Science degree in Engineering.

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Valdis Janovs

Tieto Payments
Head of Sales

Valdis Janovs is driving a successful sales team within Tieto Retail Payments and Cards who is providing Tieto customers and partners with solutions, which are helping to solve business challenges and provide new ideas in area of retail payments, cards, mobile payments and instant payments. He has over 15 years of experience in financial services industry, working with customers in different regions having different needs. Valdis is a passionate innovator in payments arena and is always looking for an additional benefit for the customers and their business. Valdis believes that the availability of digital financial services is the strong driving force of growth in economies around the globe.

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Kris Kubiena

International Sales Director

Kris has over thirty years’ experience in delivering financial service and payments solutions. He joined VocaLink in 2004 as Programme Director and was appointed to International Sales Director in 2012. In his role he heads up the International Business Development function within our Commercial Services business unit. Before joining VocaLink Kris was Head of Operations at Minster Trust in London where he was responsible for implementing a web-enabled solution to support a white-labelled e-banking strategy, including UK payments integration. Kris has also delivered major programmes and solutions at JP Morgan and Citibank. The highlights of his career at VocaLink have been the delivery of the core Payments Engine for the UK Payments technology renewal programme and the delivery of Immediate Payments in Singapore. Most recently, Kris was part of the team that brought about the signing of our contract with The Clearing House. This partnership will bring real-time payments to the United States.

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Mark Munne

Instant Payments SME

As Product Marketing Manager, Mark is responsible for the equensWorldline interbank payment services. equensWorldline is the European leader in the payments and transactional services industry. To create reach and provide a foundation for a thriving SEPA, we have been a driving force in the creation of the European Automated Clearing House Association (EACHA). The Equens Inter-CSM network is based on the interoperability framework of EACHA and EPC Rulebooks, and has become the industry’s leading clearing mechanism. And to maximise market penetration, Equens facilitates a connection to the EBA network, resulting in a Single Point of Contact for clearing and settling your complete range of payment transactions.

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Corinna Lauer

UniCredit Bank AG

Corinna Lauer is a senior product manager payments at UniCredit Bank AG since many years. She was part of the bank’s SEPA project, responsible for the development of a mandate management system. Currently she is involved in the introduction of innovative products such as Instant Payments and transposing PSD2 . Furthermore she is representing UniCredit Bank AG in various national and international payment committees.  

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Piet Mallekoote

Dutch Payments Association

Piet has a degree in economics at the University of Amsterdam. After his study Piet joined the Dutch Central Bank, in which he held several senior management positions in economic research, economic and monetary policy and payments, lastly as a member of the Payments and Settlement Committee of the Eurosystem. In 2004 Piet joined Currence, the then newly established Dutch entity for ownership of the Dutch collective payment schemes, including iDEAL. He became its CEO in 2006. In 2011 Piet became CEO of the newly founded Dutch Payments Association whose members are payment banks and payments institutions in the Netherlands, combining the two CEO positions. Piet chairs several steering and stakeholder groups on innovative payments in the Netherlands. For example the Instant Payments programme, iDEAL innovations and the national digital banking identification and authentication programme. In his capacity as CEO he is also involved in other innovations in Dutch Payments landscape and participates in a lot of national and international meetings on payments

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Dr. Jozsef Czimer

Adviser to the CEO
Capsys Informatics

Jozsef started his career in the National Bank of Hungary working in international money market operations. Later he joined the regulations department where he had the opportunity to manage a considerable part of the country’s banking devolution reform by organizing the handing over of foreign currency operations by the National Bank to the new commercial banks. Still as a regulator he started to deal with bank card operations. Later, as a deputy CEO of the new IBUSZ Bank he had the opportunity to manage the country’s then largest card acivity. Having an innovator’s view he started to deal with e-money operations already in the 1990s by exploring possibilities. Later he became to be an expert of this subject lecturing in the Central Europen University on it and advising several companies including the Hungarian Post and SenseNet Ltd. The latter later became to be the issuer of the first and only Hungarian e-money, Barion. Applying his expertise Jozsef took part in the working out of the European E-money Directive as well. In 2010 as the CEO of HFR, Budapest he started to work on a kiosk based payment system which was implemented in 2013 in the country. Having successfully finished the project he moved to London to manage Intersoft London Office working together with VocaLink on different projects including the marketing of the Immediate Payments System and mobile payment systems based on the instant payment solution. Working in London he is an acknowledged member of the consultants’ community of the City concentrating his activity ont he development of instant payment service sin Central and Eastern Europe and int he CIS countries..

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Lorenzo Gaston

Technical Director, SPA

Lorenzo Gaston is the Technical Director of Smart Payment Association (SPA). The primary purpose of the SPA Technical Director is to assist in the coordination and alignment of technical activities for the organization, to contribute technical expertise, innovation capability and field experience in the area of payment technology in standardization bodies.   Lorenzo has an extensive experience and track record in international standard organizations and regulatory bodies, as a renowned contributor as well as a recognized advisor, in particular in the domains related to smart devices, payment and security.   Lorenzo is the Spokesperson of the Vendor Sector in the ECSG, Chair of the Task Force to specify the SEPA functional and security requirements for emergent & remote payments (Internet + Mobile), Convenor of the Expert Team on Card Innovative Payments.   He is a contributor to the Second European Directive on Electronic Money.   He is also :   Member of ISO TC68 SC7 WG10 Mobile Financial Services representing le Comité Français d’Organisation et de Normalisation Bancaires   Member of the Commission Nationale CN2 Sécurité des Services Financiers (CFONB).   Editor of ISO 12812 part 2 Security of Mobile Financial Services and ISO 12812 part 4 Mobile Person-to-Person Payments.   He was a former Chair of e-Europe Smart Card Charter TB7 Multi-applicative Cards and systems and a founding member and former Chair of CEN TC224 WG15 European Citizen Card and a former expert of ISO JTC1 SC17 WG4 (contact cards) and WG8 (contactless cards) representing AFNOR.   Lorenzo hold patents on electronic money and biometrics and has written numerous published papers for the Smart Payment Association.   Lorenzo, a Spanish national, having lived in France for 20 years is a Sup Telecom Engineer from the Universidad Politécnica de Cataluna.

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Daragh Kirby


Daragh Kirby is Sales Director, and a payments SME working at INTERCOPE. Daragh has over 15 years’ experience in working with banks, market infrastructures and the market leading software vendors to source and provide the right solution for payments and financial messaging. Before INTERCOPE, Daragh was the sales and solution leader for IBM's payment solution portfolio in Europe. Daragh has extensive experience working with customers adopting SEPA, ISO20022, Payments Hubs, SWIFT modernisation, UK Faster Payments and now SCT Inst.

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Grzegorz Lenkowski

Director of Instant Payments
KIR / Express Elixir

Grzegorz Leńkowski is the Director of Instant Payments at KIR (Krajowa Izba Rozliczeniowa S.A.) where he is responsible for Poland’s first Instant Payments Service - Express Elixir instant payments system, and overlay services (P2P mobile payments). It provides services for BLIK (P2P) mobile payments system, IT infrastructure services, settlement (based on Elixir system), complaints portal. He is the member of international working groups such as European Payments Council Task Force for instant payments and P2P mobile payments, EIG. He carries strong experience in IT, security, and banking (in particular SEPA, PSD2, SWIFT, instant and mobile payments, clearing and settlement services).

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Mark McMurtrie

Independent Consultant
Editor at InstaPay

Mark McMurtrie is a highly experienced payments specialist and Editor of InstaPay, a market intelligence hub built for payment and financial services professionals wanting to learn about the migration to real-time banking payment systems. InstaPay publishes: all the latest global instant payments news stories, insight reports, news articles, blogs, original content and industry event details. A key feature is the InstaPay Tracker, sponsored by Icon Solutions, which reports on the global adoption of Instant Payments, this has comprehensive details of all the live national schemes, as well as those in a planning phase.