Hanna Sarraf is a senior banking executive bringing nearly 30 years of experience across both traditional banking and digital, technology-enabled financial institutions. He is currently the Chief Risk Officer at Monzo Bank Europe and has previously served as Chief Risk Officer at Starling International, Group Chief Risk Officer at Bankmed, and Head of Risk Strategy at Bank of Ireland Group. Beyond his industry roles, Hanna has held leadership roles in risk and regulatory management consulting at Accenture, KPMG and Ernst & Young, where he supported UK and international clients transform their risk management practices and deliver effective results.

Hanna holds a Specialised Master’s degree in Financial Engineering from ESSEC Business School and an MSc in Finance from Dauphine University in France. He has authored many articles on financial risk management and is a frequent speaker at leading UK and international conferences.

Full focus on corporate strategy development, business analytics and driving our engagement towards EU Commission regarding the EUDI Wallet. Love all things data and how digital identity can unlock the unlimited number of use cases – circa 100 new companies adopt BankID each month.

Ville Sointu is the Chief Strategist for digital currencies at Nordea Bank. With a career spanning since 2002 in fintech, Ville has held pivotal roles globally, innovating in financial services and connected devices. His expertise is recognized in influential circles, including the European Central Bank’s former Digital Euro Market Advisory Group, the board of Mobey Forum and the advisory board of GSMA’s Inclusive Tech Lab. Ville has also contributed to a number of key industry and policy organizations like the EBF, OECD and EBA and in his free time enjoys co-hosting the ‘Fintech Daydreaming’ podcast, sharing his insights into fintech’s evolving landscape.

Einar runs Product at Indó Savings Bank, Iceland’s first challenger bank that’s been growing fast since launching in Jan 2023. Indó offers current and savings accounts and recently launched lending . Prior to Indó, Einar worked with scaling Klarna and digital strategy at Nordea. Einar is super passionate about disrupting the Icelandic banking market and creating a pleasant, fair and transparent banking experience.

Joaquin Dimas is a CX expert at msg for banking who helps organizations translate customer experience from a strategic concept into tangible results. His focus is not merely on improving the customer experience at individual touchpoints, but on making it effective through the holistic orchestration of sustainable end-to-end processes, user-friendly journeys, and memorable customer experiences.

Lodh is Head of AI for Hyperlayer, a programmable banking platform that helps financial institutions design, launch and govern products in weeks, without disrupting the core they trust. He brings more than 20 years of experience designing, building and running world-class AI applications integrated with robust data governance across regulated industries.

Over 13 years of deep expertise in Open Banking and Open Finance, with a track record of transforming complex (regulatory) challenges into customer-valued products.

Adam Busznyak Rydh is Regional Vice President Sales EMEA at nCino, leading enterprise sales across the Nordics, Baltics, and CEE. With 17+ years of banking and fintech experience — including 13 years at Nordea across commercial banking, large corporates, and capital markets — he helps banks modernize credit decisioning, lending, and KYC through AI-driven cloud technology.

Alex is an experienced fraud and financial crime fighter with 25 years experience in fraud risk management, working for leading UK banks, software industry, law enforcement and banking industry bodies. Alex is a Director at BioCatch, the market leader in behavioural analytics – preventing fraud and financial crime by recognising patterns in human behaviour. We fight fraud to make banking safer.

Kamlesh Harry is an International Strategic Advisor at Nasdaq Verafin, specialising in fraud, financial crime and the evolving risks shaping the global payments ecosystem. Drawing on senior experience across Tier 1 financial institutions in South Africa, the United States and the United Kingdom, he advises financial institutions on navigating complex financial crime threats, payment fraud, cyber risk, technology and operational resilience. Beyond industry, Kamlesh is a passionate advocate for fraud prevention, education, and victim protection. He volunteers his expertise in support of law enforcement and wider community initiatives, with a particular interest in cyberpsychology, victimology and understanding the human behaviours exploited by modern financial criminals. Kamlesh champions greater collaboration, intelligence sharing and education to strengthen the collective response to fraud and financial crime and help build a safer digital financial ecosystem. Kamlesh is a Certified Information Security Manager (CISM), accredited by ISACA.

Genady Chybranov is an active member of the European Banking Association’s Open Finance and Smart Payments working groups, where his current work explores Agentic Finance — customer-owned agents, machine-to-machine transactions, and the governance patterns that make them safe. A practitioner with 20+ years building data and AI systems in regulated environments, he has held senior technology roles at Barclays and served as CTO for Financial Services at Hitachi, scaling production systems across banking and insurance. At Sigma Software Group, he leads the BFSI Centre of Excellence, focused on agentic AI, model risk, and architectures that are compliant by design under the EU AI Act, DORA, and NIS2.

Jon Nicholson is VP of Revenue for Northern Europe at Mistral, where he leads enterprise sales across the Nordics, UK, and Ireland. He works with the region’s largest companies — from banking and telecoms to manufacturing — on adopting frontier AI, and is helping customers solve the world most complex problems. Prior to Mistral, Jon spent seven years at Snowflake, most recently as Regional Director for UK Financial Services Global & Strategic Accounts, where he built long-term partnerships with the largest organisations in financial services. He previously led Snowflake’s UKI Insurance sales team and developed greenfield engagements with global strategic accounts.