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David Brinkman

Senior Legal Counsel, European Central Bank

David Brinkman is a senior legal counsel for the European Central Bank, in the Supervisory Law Division. In that capacity, David was lead-lawyer on the ECB opinion on the proposed EU Regulation on Artificial Intelligence. Prior to joining the ECB, David has worked as attorney-at-law in an international law firm, as legal counsel for a Dutch listed bank / insurance firm and as senior expert at the Dutch Central Bank.

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Sébastien de Brouwer

Chief Policy Officer,European Banking Federation

Sébastien de Brouwer is Chief Policy Officer at the European Banking Federation (EBF). He is a member of the EBF Management Committee. He is supervising all EBF policy areas as well as horizontal functions such as Legal affairs.

As part of his activities, Sébastien is also Board member of the European Payment Council (EPC), member of the European Banking Authority (EBA) Banking Stakeholders Group (BSG) and member of various Expert Groups at EU level. He is also member of the editorial Board of the Revue de Droit Bancaire et Financier.

He is a Belgian national with a Law Degree from the Catholic University of Louvain-la-Neuve and a postgraduate in International law (University of Leiden) and in Business Studies (London School of Economics and Political Science).  He also holds a certificate in corporate governance (International Directors Banking Programme) from INSEAD.  

Sébastien joined the EBF in 2006. Before joining the EBF, Sébastien was Head of European Affairs and Member of the Executive Committee with Febelfin, the Belgian Federation of the financial industry (including banks) and previously legal adviser, in charge notably of compliance and AML related issues. He was also at that time training bankers on AML for the Belgian Banking Academy.

Prior to that Sébastien also worked in an International bank (Custodian) and an Insurance Company (management of important claims)


Mariusz Cholewa

President of the Management Board

Biuro Informacji Kredytowej  (BIK)

Mr. Mariusz Cholewa is a graduate of the University of Gdańsk, the Faculty of Management. In 2005 he obtained his PhD Degree in Economics. He also completed postgraduate studies in Banking and Finance, with the specialisation in Investment Banking, conducted by the London Guidhall University, the Gdańsk Banking Academy and the University of Gdańsk.

In the years 1993-1998 he cooperated with the Gdańsk Banking Academy, as a Management Board member, participating at the same time in the research on the financial restructuring of enterprises and banks pursued by the Gdańsk Institute of Market Economics. In the years 1995-2003 he was an associate professor at the Faculty of Management at the University of Gdańsk.


In the period of 2007-2010 he was the CEO of Bank Rozwoju Cukrownictwa S.A. In 1998 Mariusz Cholewa joined Bank Handlowy w Warszawie S.A. (Citi Handlowy), where he held a number of managerial positions, and till April 2013 he was the Director of the Strategy Department. He was a member of supervisory boards of many companies for e.g.: banks, investment and insurance companies including public granted companies. In the years 2012-2013 he was a member of Biuro Informacji Kredytowej S.A. Supervisory Board.

He has been the President of the BIK Management Board since June 2013. He is also the President of the Supervisory Board of BIG InfoMonitor S.A. - Economic Information Bureau.

Since May 2020 he has been the President of the Management Board of ACCIS, the voice of organisations responsibly managing data to assess the financial credibility of consumers and businesses.


David Ciliberti

Legal and Policy Officer, DG JUST, European Commission

David Ciliberti is a legal and policy officer in DG JUST, European Commission. His is currently representing the European Commission in the negotiations concerning the review of the Consumer Credit Directive and the rules concerning consumer financial services concluded at a distance (DMFSD). Prior to his current employment, Mr. Ciliberti served as a Justice and Home Affairs Attaché at the Maltese Representation to the EU. He represented Malta during the negotiations of the General Data Protection Regulation and the Law Enforcement Directive. During the Maltese Presidency of the Council of Ministers, Mr. Ciliberti chaired the Working Party on Information Exchange and Data Protection (DAPIX). Earlier in his career, Mr. Ciliberti worked at the European Court of Justice (CJEU); he holds a Master Degree (LL.M) from the College of Europe, Bruges.

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Fiona Gatchell

Head of Transactional Analytics, Equifax 

Fiona is Head of Transactional Analytics at Equifax where she leads a team of expert analysts. Fiona has over 15 years experience in credit risk analytics. building predictive risk models for Equifax and lenders. 

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Silvia Ghielmetti

General Director, CRIF

Silvia is a member of the CRIF Group Executive Committee and is heading the CRIF Strategic Business Center “Solutions, Digital and Transformations Services”.

She is a member of the board of CRIF Credit Solutions Ltd. and of CRIF Ratings

Before joining CRIF Group in 1990, Silvia was the Director of the Syndicated Loans office at RASFIN - the Corporate Finance House of the Allianz group in Milan .

Silvia graduated with honors in Monetary Economics from the University of Bocconi in Milan (1985), and has both studying and working experience in the United States


Leandro Guerra

Head of Data Science and Analytical Platform, Experian EMEA

Leandro Guerra is the Head of Data Science and Analytical Platform for Experian EMEA. He has 11 years of experience with deep interest and know-how for machine learning ad IA model development

His recent experiences includes:


  • Development of machine learning models for risk management, marketing, fraud prevention, HR, Health Care and Retail

  • Development and implementation of the overall Data Science/Machine Learning business goals

  • Management of Data Consultancy Projects applied to the business of Credit, Marketing, Fraud, Insurance, HR Analytics, Health Care and CRM

  • Development of machine learning explainability frameworks


Leandro holds a B.S Degree in Electrical and Electronic Engineering from State University of Londrina and Data Science Specialization from The Johns Hopkins University

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Frank Heisel

Managing Director, RISK IDENT

Frank is Managing Director of RISK IDENT. He has more than 15 year’s experience in risk and fraud management working for several large organizations and managing products and projects all over Europe.


Stuart Holland

Head of Government Relations - Europe, Equifax

Stuart leads Equifax’s government engagement in the EU and Europe. He is a Non-Executive Director of Indesser, an Equifax company that works with over 50 public sector clients. Stuart has worked in financial services, regulation and chaired a mental health charity.

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Malin Holmberg

CEO EMEA and Asia Pacific, Experian

Malin Holmberg joined Experian in September 2021 in a newly created role as CEO of Experian EMEA and Asia Pacific. Prior to joining Experian, Malin was a partner at Target Global, a German venture capital firm. Before this, she was CEO of Tele2 Netherlands and Executive Committee Member of Tele2 Group, having joined Tele2 as Group Product Director in 2009. Prior to Tele2, Malin was Head of Vodafone Internet Services responsible for mergers and acquisitions. Her early career included management consulting with Marakon and A T Kearney. Malin has an MBA from INSEAD and an MSc in Economics from Stockholm School of Economics


Yordanka Ivanova

Legal and Policy Officer,  DG CNECT, European Commission

Yordanka Ivanova is a Legal and Policy Officer in the European Commission (DG CNECT, A2) in the unit responsible for Artificial Intelligence Policy Development and Coordination. She is a member of the legal team who has drafted the Commission proposal for a Regulation on Artificial Intelligence, currently under negotiations. Outside the Commission, Yordanka has experience as a researcher and attorney-at-law, advising companies on EU regulations, including in the area of data protection, consumer protection, digital services, financial services, cybersecurity and copyright.

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Ian Kedzlie

Chief Revenue Officer, Divido

Iain Kedzlie is Chief Revenue Officer of checkout finance platform Divido. Having started his career at IBM, Iain moved to the world of finance leading commercial functions for both American Express and Mastercard. Since joining Divido Iain has helped it to become a leading checkout finance platform supporting over 1000 businesses globally. Divido’s white label platform connects lenders, merchants and partners at the point of sale; transforming retail finance with proven technology and industry expertise to create a new way for you to control and configure payments. Its white label, multi-geo, omnichannel platform sweeps aside complexity and gets you to market, fast, placing the power of checkout finance in your hands.


Sarah Lokman

Co-founder and Head of Sustainability, Greenomy

Sarah Lokman, co-founder and Head of Sustainability at Greenomy, a Brussels-based regtech providing sustainability reporting software, focusing on the EU Taxonomy, CSRD and SFDR and our mission is to create a neutral market infrastructure for ESG data.

During the last 8 years, Sarah held several positions as a Risk & Actuarial Consultant in the financial services industry across Europe that allowed her to become a subject-matter expert on implementing financial and non-financial risk regulations in large-scale compliance and regulatory projects.



Alberto Lozano

Global Head of Consumer Lending, ING Group

Alberto Lozano is the Global Head of Consumer Lending for ING Group, steering the unsecured lending portfolio strategy and driving transformation initiatives among all ING business units (8 EU Countries). He joined ING Spain in 2011 where he has filled many roles over the past years in different departments (Digital area, Mortgage business, Daily Banking and Investment Products) and decided to move to the Global Retail team on December 2021.

In the period of 2007-2011, he was a strategy consultant leading organizational and restructuring projects for relevant financial and telco companies such as Portugal Telecom, Telefónica, BBVA, Santander, and more.

Alberto holds a Master’s Degree in Telecommunications Engineering from Universidad Politécnica de Madrid and completed several postgraduate studies in Banking and Finance.


Anna Martin

Financial Services Officer, BEUC

Anna Martin is Financial Services Officer at BEUC, the European Consumer Organisation. She is in charge of retail banking, working among other files on the Consumer Credit Directive. Before joining BEUC, she worked for the German Foreign Office to coordinate the German EU Council Presidency. Anna holds a Master in European Affairs from the College of Europe, Sciences Po Lille and the University of Münster.


Onur Mutlu

Data Product Manager, COLENDI

Onur is data science team lead at Colendi Turkey, a fintech company, which believes 'Every Company will be a fintech company'. Colendi is building unique services for its partners to overcome limitations of legacy banking. With Colendi's solutions, partners can provide BNPL and investing services for its customers. 


Onur started his career in Accenture Turkey as business analyst. He worked for couple of telecom projects. He joins Vodafone Turkey as a business analyst in 2016. During 2018-2019 he completes his master degree on Big Data and Business Analytics. After completing his degree, he joined Vodafone's data science team. In November 2021 he joined Colendi as Data Science Product Manager. After working for some time he promoted to Data Science Team Lead.

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Sophie Nerbonne

Director for economic co regulation, CNIL

Graduated from the Paris Institute of Political Studies (Sciences Po) and Law from Panthéon-Assas (Paris II), Sophie Nerbonne started as a legal officer in SODEXHO before arriving at the CNIL as a legal officer for financial services. She became Co-Director of Legal Affairs, Technical Experts and International Affairs at the CNIL. She followed very closely European and International issues and events during the CNIL’s role as Chair of the Article 29 Working Party before 2010. Appointed as a professional expert by the European Commission for credit history files, she is a well known expert in economic professional circles. She launched the Directorate of the Department for Compliance in 2014, reflecting the orientation of the CNIL’s structure to be a regulator more involved in accompanying professionals with a large line of regulatory tools that aimed at simplifying administrative formalities and adding legal certainty and accountability in the respect of citizens’ data protection rights.

With the application of GDPR, she is now dedicated to the strategy of economic co regulation.

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Elvira Oliva

EU Regulatory & Public Affairs, CRIF

Elvira coordinates CRIF’s regulatory affairs and public affairs in the EU, both for B2B and B2C businesses lines. She is in charge of CRIF’s engagement with EU and local industry associations and of regulatory activities related to EU initiatives. Prior to joining CRIF, Elvira worked in the public affairs consultancy sector - focused on financial and regulated energy markets. She has additional work experience at the EU Parliament and the Italian Permanent Representation to EU.  Elvira is a graduate from the University of Bologna with a thesis on EU law, with a specialization on EU politics from Johns Hopkins – School of Advanced International Studies, also located in Bologna. 


Paul Peyré

Co-founder and Chief Risk & Data Officer, Algoan

Paul Peyré is co-founder and Chief Risk & Data Officer at Algoan, a fintech revolutionising the credit sector by making it fairer and more responsible thanks to the power of Open Banking data. Leader in Credit Scoring API, Algoan provides fintech, retailers, and financial institutions with credit decisioning tools that can be embedded via a programming interface into processes for BNPL, credit origination, car subscription, and even mortgage. Before co-founding Algoan, Paul was a senior analyst in the European Structured Finance group at Fitch Ratings, conducting credit rating analyses of European securitisation transactions (e.g. consumer credit ABS, residential MBS and SMEs CDO). Paul is graduated in computer science, applied mathematics and finance, from ENSIMAG and Master 203 Paris IX - Dauphine


Urte von Raczeck

Head of Regulatory Management, SCHUFA

Urte is responsible for the coordination of the international public affairs activities and engagements within associations of SCHUFA Holding AG. SCHUFA is Germany’s leading solution provider of credit and information services for consumers and businesses. Urte has worked within international networks and has been consulting SME on EU funding schemes.

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Paul Randall 

Executive Director, Creditinfo Group

Highly experienced in credit risk management, Paul drives the use of scoring and machine learning through the Creditinfo network of credit bureaus and direct to financial services. 


Paul understands the challenges of transforming credit risk assessment for individuals and business. Creating new digital lending strategies for lenders using credit bureau, mobile data, other digital data to increase credit and reduce losses.


An understanding of the needs and expectations of developed and emerging credit granting environments is a key factor in the ability to deliver results across multiple markets. He has developed this experience over 30+ years in the industry from supporting credit providers as an external support and working directly in banks, retailers and non-bank lenders.


Agustín Reyna

Director, Legal and Economic Affairs, BEUC

Agustín Reyna is Director of Legal and Economic Affairs at The European Consumer Organisation, BEUC. Agustín heads the legal and economic department composed of five policy teams (Financial Services, Digital, Consumer Rights, Competition, and Consumer Redress and Enforcement). He leads the Financial Services team and coordinates the organisation’s work on competition law enforcement and policy before the Commission and the EU courts. Since 2018 he acts as non-governmental advisor for the Commission to the International Competition Network and represents BEUC in various European and international fora. He holds a PhD. in law from the University of Bremen and often publishes in scientific journals on issues related to EU law.


Didier Reynders

European Commissioner for Justice

A father of four, Didier Reynders was born in Liège on 6th August 1958. In 1981, he obtained a degree in law at the University of Liège. Guest lecturer at the universities of Liège and Louvain, he has never really left the academic life until he became on 1th December 2019 European Commissioner for Justice.

After presiding the Belgian railways and the Belgian Airways Agency, he was elected Deputy Chairman of the PRL (Liberal party), before becoming a Member of Parliament in 1992.

On 12th July 1999, he became Minister of Finance (until 6th December 2011) and, on 18th July 2004, (concurrently) Deputy Prime Minister (until 30th November 2019).

He was Chairman of the Mouvement Réformateur (liberal party alliance) from 11th October 2004 until 14th February 2011.

He was Minister of Foreign Affairs, Foreign Trade and European Affairs from 6th December 2011 until 11th October 2014.

He became Minister of Foreign Affairs and European Affairs, in charge of Beliris and Federal Cultural Institutions on 11th October 2014 (until 30th November 2019).


He has also been Minister of Defense since 9 December 2018.


Since 1th December 2019 he is European Commissioner for Justice, in charge of Rule of Law and Consumer Protection.

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Natalia Shchelovanova

Global Open Innovation and Ecosystem Lead, CRIF

Natalia has joint CRIF in 2006 as a Regional Market Manager for Russia and CIS countries. Starting from 2012 Natalia was managing Special projects and is a Director of Transformation Services and CRIF Credit solutions in DACH markets and is based in Vienna.

Since 2020 Natalia has taken at CRIF a new Role of Global Open Innovation and Ecosystem lead. InnovEcoS, created and managed by Natalia, is CRIF Global Innovation Hub, Accelerating CRIF positioning as a Fintech and Fintech enabler , committed to discover promising business models and attractive partnerships for boosting business through research, experimentation, new collaborations and the continuous engagement of CRIF people.


Prior to joining CRIF, Natalia was occupying Product development and Management positions in leading Russian financial organizations within retail, mortgage and Medium-size enterprises and Micro Credit such as ZAO “Raiffeisenbank Austria”, DeltaCredit bank, The US-Russia Investment fund in Moscow, Baltiyskiy bank in St.Petersburg.

Natalia is a graduate of St.Petersburg state university, Economic department and CMA certificated.

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Matías Sánchez

Head of Retail Products, Spain and Europe, Santander

Since June 2021 Matías Sánchez holds the Head of Retail Products fo­r Spain and Europe position in Santander, being in charge of retail products business performance but also leading retail products transformation and innovation efforts across Europe.


With over 25 years of experience in Grupo Santander, Matías began his professional career in Banesto holding several positions until becoming Deputy Chief Commercial Officer Retail Banking and Member of the Executive Committee. In 2013 he started to work at Santander Chile Bank as Chief Commercial Officer Head of Corporates and Institutions and in 2016 he was appointed Chief Commercial Officer Retail Banking.


Matías holds a BA in Economics and Business by Alicante University, Executive MBA by IESE, Master in general management by Instituto de Empresa (Madrid) and Diploma in Leadership Development by Harvard Business School (Boston, USA).


Tomislav Sokol

Member of the European Parliament

Tomislav Sokol was born in Zagreb in 1982. He obtained his first degree in law at the Faculty of Law, University of Zagreb, in 2006, magna cum laude. He then obtained a Masters of Law (LL.M.) specialising in European Union Law at the Katholieke Universiteit Leuven (KUL), Belgium, in 2009, magna cum laude. He defended his PhD at KUL, dealing with free movement of cross-border health care services in the EU and its impact on national health insurance systems in 2014.

He was an Assistant Minister in the Ministry of Science and Education in 2017, after which he became a Member of the Croatian Parliament. He was a Member of the Croatian Parliament until July 2019, when he became a Member of the European Parliament. He is a Member of both, the Committee on the Internal Market and Consumer Protection (IMCO) and the Special Committee on the COVID-19 pandemic: lessons learned and recommendations for the future (COVI) and a Substitute Member of the Committee on the Environment, Public Health and Food Safety (ENVI) and Committee on Regional Development (REGI) in the European Parliament. He is EPP’s Shadow rapporteur for the Proposal for a Directive of the European Parliament and of the Council on consumer credits (CCD).

So far, he has published around 20 papers and 1 book on issues concerning EU law, including several articles in European journals, such as the European Law Review and the European Law Journal. He has presented papers at many international conferences and worked on different research projects. Previously, he worked in a legal practice and is currently a Senior Lecturer at the Zagreb School of Economics and Management where he has taught Introduction to European Union and Principles of Law courses since the academic year 2010/2011. He is also an assistant professor at the Catholic University of Croatia where he has taught since the academic year 2016/2017. His areas of professional interest include the law of the European common market, EU health law, competition law, International and European social law and International and European trade law.

Photo source: EPP Group

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Kiki Tsourou

Data Protection Officer, Tiresias

Kiki D. Tsourou is a GDPR expert. She is an attorney at law admitted to the Supreme Court and an Accredited Civil & Commercial Mediator by the Accreditation Committee of the Greek Ministry of Justice (Law 3898/2010). She is a member / representative of the Hellenic Bank Association at the Organisation for the Promotion of Alternative Dispute Resolution Methods (OPEMED).
She holds an LLM on both Civil and Labor law and an LLB degree from the Law School of the University of Athens. She is a founding partner of «Christos D. Psarrakis & Associates Law Firm» and has been practicing law since 1999. 

Kiki has been an in-house legal counsel/personal data advisor at Bank Information Systems SA (TIRESIAS SA) since February 2003. In January 2019 became its deputy DPO. Since February 2020 she has been appointed as the organization’s DPO. 

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Enrique Velázquez

Director General, ACCIS

Enrique Velázquez was appointed Director General of the Association of Consumer Credit Information Suppliers in June 2017. Before that, he worked for the Brussels-based European Banking Federation (EBF) for over ten years, the last five as head of Public Affairs.


Prior to joining EBF, Enrique was a Supervisor at the Spanish Securities Markets Supervisor (CNMV) in Madrid for nearly five years. He was also an Officer at the Paris-based Committee for European Securities Regulators (CESR), the embryo of the current European Securities and Markets Authority (ESMA).


Mr. Velázquez holds a double degree in European Business Studies from the University of Humberside (United Kingdom) and in Law, from the Universidad Autónoma, in Madrid.

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Axel Voss

Member of the European Parliament

Axel Voss (CDU) - born in 1963 - studied law at the Universities of Trier, Freiburg and Munich. Since 1994, he is working as a lawyer. From 1994 to 2000, he was a civil advisor at the EU Commission's representation in Germany. Afterwards, he worked for nine years as lecturer for European Affairs at the RheinAhrCampus of the College of Koblenz.


He became a Member of the European Parliament in 2009, where he represents the Mittelrhein area, which includes the cities of Cologne, Bonn and Leverkusen and the districts Rhein-Sieg and Rhein-Erft. Axel Voss is EPP-coordinator for the Committee on Legal Affairs as well as deputy member of the Committee on Civil Liberties, Justice and Home Affairs. Besides questions of European Law, his main area of expertise is the digitization of our daily life. For the European People’s Party group, he was among others (shadow-)rapporteur for the new Copyright Directive, the General Data Protection Regulation (GDPR), the Passenger Name Record Directive (PNR) as well as for the updated Eurojust Regulation.


Axel Voss is also CDU chair of the regional section Mittelrhein, regional chair of the Europe Union Bonn/Rhein-Sieg and Vice President of the Mérite Européen Friendship and Assistance Association, Germany.

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Pierre Wunsch

Governor of the National Bank of Belgium

(Guillaume) Pierre Wunsch is Governor at the National Bank of Belgium, member of the ECB’s Governing and General Council, member of the European Systemic Risk Board, member of the Board of Directors of the Bank for International Settlements, IMF Governor, Chairman of the Resolution College, member of the High Council for Finance, member of the Board of Directors of the National Accounts Institute. He is also Chair of the Board of Governors of the King Baudouin Foundation. He was Director of the Strategic Finance Cell at the Ministry of Finance during the financial crisis of 2008. He holds a PhD in Economics (UCL) and a Master’s degree in Public and international Affairs (Princeton)

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