2023 ACCIS Annual Conference
Chief Legal Officer, BIK
Chief Legal Officer in BIK. Fully licensed legal counsel with over 20 years of experience in financial services. Started her career in White&Case law firm, then after a couple of years joined Citi. Advised on a wide range of matters, including corporate governance, IT projects, data protection, both institutional and consumer banking. In BIK since 2021, she covers the whole legal and regulatory area – legal, compliance (including set up of ESG reporting by BIK), data protection and corporate secretary. The Warsaw Law School graduate, completed the extensive training programs in EU and US laws (University of Cambridge, University of Florida). Passionate about inclusive leadership.
Vice President of the Management Board of CRIF Sp. z o. o. and KBiG S.A. | President of ERIF BIG S.A.
For nearly 20 years associated with the CRIF group, the largest provider of credit information in Europe and a key global entity offering integrated services and solutions in the field of business information, risk management and digital transformation of enterprises.
Since 2016 as Vice-President of CRIF in Poland and the Economic Information Bureau KBIG S.A. He is the leader of a company employing nearly 300 people, shapes the strategies for the presence of the CRIF brand on the Polish market in many sectors of the financial industry, builds partnerships based on cooperation with recipients and suppliers, e.g. with banks, loan companies, leasing companies, factoring companies, debt collection companies, e-commerce and SMEs. He actively participates in the legislative debate on legal changes ensuring safe functioning of all market participants.
From January 2023, the President of the ERIF Economic Information Bureau S.A.
A graduate of the AGH University of Science and Technology, major in computer science and the University of Economics in Krakow, major in finance and banking.
Consumer, Business Services and Delivery Managing Director, CRIF
I have more than 25 years of experience in the credit information industry.
At present I am Director of the unit responsible for the creation, development and management of the global service solution for CRIF. The global service solution covers all the geography and all the segments of customer such as Banking, Financial institution, Business entity and consumer.
I joined CRIF in 1998 and before the current role I was from 2016 to 2021 CRIF Asia Market Director and from 2006 to 2015 Information Solutions Director of Credit Bureau Services.
Before CRIF I was for 10 year in a primary Italian Insurance company as senior manager in Claim Management Office.
President of ACCIS and CEO, 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.
Senior Director Data Strategy & Transformation, Intesa Sanpaolo
I am a Senior Director within the Group Data Office of Intesa Sanpaolo with responsibility over the definition of the Group Data Strategy and management of the Data Transformation Plan, including budget, platform, value realization framework and data design authority.
The Data Transformation plan is an ongoing multiyear big data programme to create the Group data ecosystem, to integrate the data supply chain for all core governance, regulatory and business processes and to foster data culture and data exploitation in the business enabling online data services, analytics and AI.
In addition, I collaborate with the EU Commission as a member of the Expert Group on European financial data space and open finance.
Previously to Intesa Sanpaolo, I was 20 years with Accenture, as Managing Director in charge of the Applied Intelligence Delivery practice in UK & Ireland and lead Analytics Solution Architect for Europe.
Head of Partnerships, Greenomy
Marlies is responsible for managing partnerships at Greenomy, an international, user-owned ESG market infrastructure. Greenomy helps corporates, credit institutions and asset managers measure, disclose and improve their sustainability levels according to new EU sustainable finance standards (EU Taxonomy, SFDR and NFRD/CSRD). Marlies holds a master's degree in political economy from the London School of Economics (LSE) and has previously worked as advisor on sustainability in the European Parliament and in commercial and public affairs roles in the technology sector.
Chairman of the Board of Directors and CEO, CRIF
Carlo Gherardi received his degree in Economics from the University of Bologna, Italy.
Between 1979 and 1988 his career experience has included working as an International Business Consultant, as Controller in a leasing company and later as Chairman and Managing Director of a Retail Credit Company.
In 1988 Carlo Gherardi, together with some Financial Institutions, founded CRIF, the first Credit Bureau in Italy for retail credit, and has been since then the CEO.
CRIF is a global company supplying solutions to support banks, financial institutions, insurance companies, telcos, utilities and general businesses in every phase of customer relations. In 35 years, CRIF expanded to the present Group, with CRIF Companies in 40 countries, over 6,600 staff professionals and over 700ML Euros of revenues.
Carlo Gherardi and CRIF were among the founders of ACCIS, in 1990. Mr. Gherardi has been ACCIS President between 1997 and 2000.
He is also co-founder of the World Consumer Credit Reporting Network, which held the first conference in Rome in 1998. Since then, the WCCRC has been organized every 2 years in different places all around the world.
Eddy Manindo Harahap
Executive Director/Head Of Department, Department of Licensing and Banking Crisis Management - Financial Services Authority (OJK)
Mr. Eddy Manindo Harahap is the Executive Director/Head of Department, Department of Licensing and Banking Crisis Management at Financial Service Authority (FSA/OJK) of Indonesia.
He has been working at the OJK since 2014 in several positions, such as Deputy Director of Prudential Banking, Research and Banking Regulation Department, Director of Directorate of Banking Regulation, and Advisor of Banking Supervision Quality Control Department.
From 1993 to 2013, Mr. Harahap worked at the Central Bank of Indonesia, where he held various positions. These included Assistant Pro Manager - Credit Analyst, Bank Analyst - Banking Regulation Team, and Head of Banking Prudential Division of the Research and Banking Regulation Department.
In 2003 to 2009, he was assigned as Head of Compliance Supervision Group at Financial Transaction Reporting and Analysis Center/PPATK.
Mr. Harahap holds a Master of Management and a Bachelor of Economics from Gadjah Mada University. Additionally, he attended the Regular Education Program (PPRA 63) at the National Resilience Institute (LEMHANNAS) of the Republic of Indonesia.
CEO UC AB, Director Consumer Insight, Part of the executive management team Enento Group
Gabriella has a long experience from the credit information industry. She has previously acted in several leading positions at UC AB, like Deputy Director for Credit Information Services and Head of Risk Decisions Sweden. She has been the CEO of UC AB since 2021.
Director of External Affairs - Europe, Equifax
Stuart leads Equifax’s policy engagement in Europe and client executive engagement in the UK. He was a Non-Executive Director of Indesser, an Equifax company that has helped the UK government recover €3bn of debt using data analytics. Stuart has also worked for a large US insurer and a regulator, and he chaired a mental health charity.
Dr Petros Kapasouris
General Manager, TIRESIAS
Dr Petros Kapasouris is the General Manager of TIRESIAS having worked at the company for more than 25 years in various positions, such as Management Consultant, Business Development Manager, Production Manager and Head of Research and Development.
He is responsible for shaping and implementing the company's strategy, its business planning and digital transformation, as well as for developing services with added value in the new era of information, overseeing the development of new sources of data, credit scoring systems and decision-making support systems.
He has worked as a business consultant at Intrasoft (responsible for the strategic design of computer systems, business organisation and business process re-engineering) and in the USA as a research and development engineer at Alphatech (currently BAE - British Aerospace) in the field of aeronautics control systems theory, human performance modelling and decision-making automation systems. He has also worked at GE Aviation (USA) in designing automatic control system methodologies for aircraft and helicopter engines, and at Omega Engineering (USA) as a temperature control systems engineer.
He holds a Ph.D. and a M.Sc. in Electrical Engineering from Μ.Ι. and a B.Sc. in Electrical Engineering from the University of Connecticut.
Dr Kapasouris has published various papers on topics such as credit score calculation, credit check, strategy and strategic design of computer systems. His published research focuses on multi-variable control systems and their applications in the aerospace industry, algorithms for optimising resource allocation and performance evaluation of human-machine collaboration in large organisations.
Chief Security Officer, BIK Group
Andrzej Karpiński, Chief Security Officer of the BIK Group. Previously, he worked as Security Architecture Director at Orange Poland, Network Security Director at Asiacell in Iraq, Operations Director, and one of the creators of the ATMAN network - the largest independent DC and IX in Poland. Member of the Program Council of PLNOG and CIONET Security Excellence, long-term participant in the work of the Polish Information Technology Society.
EVP, Marketing & Business Development, KKB
Biography coming soon.
Director International, FICO
Elena Koneva is an experienced manager of FICO’s International Scoring and Credit Bureaus businesses in 16 markets including Russia, CIS, Middle East, Northern Africa and Europe for the last 12 years. After receiving a degree in law (PhD, specific in intellectual property), Elena worked for 7 years with a leading credit bureau from the day 1 of its operations. During that time, she also participated in credit sector regulations drafting and national discussions for the banking sector in Russia. In addition to Law degree, Elena graduated Higher School of Economy as Stock market and investment specialist.
Regional Managing Director (Czech and Slovak Republics)
CRIF – Czech Credit Bureau, a.s. / CRIF – Slovak Credit Bureau, s.r.o.
Petr Kučera is the Regional Managing Director of the Czech and Slovak Credit Bureaux at CRIF Group and one of the co-founders of the credit bureau projects in the two countries. He is involved in all strategic areas of business development of this fast growing dynamic company.
Previous to his position, Petr worked for TransUnion-CRIF on new business development in areas of Credit Bureau establishment and ongoing operations, and decision solutions projects across the Central and Eastern European region.
His past professional experience focuses on business and consumer credit data collection across the CEE region and its utilization during the credit granting process for private individuals and corporations. Petr has participated in several projects of consumer and business data sharing in the banking, insurance and telecommunications industries in the CEE markets.
Petr graduated from the Charles University in Prague.
Chief Operating Officer, FIDO
Srdjan Kosutic serves as the Chief Operating Officer (COO) of Fido, a global customer scoring & analytics platform that detects hundreds of data points from digital footprints such as phone number, email address, IP address, device and browser. Srdjan's background merges expertise in technology and financial service industries, acquired through his nearly 15-year tenure at UniCredit, a notable European banking group. He holds a master's degree in Quantitative Finance and Risk Management from Bocconi University in Milan, and maintains his commitment to ongoing professional development through Fido's membership in ACCIS.
Dr. Yigal Menashe
Senior economist, Credit registry, Bank of Israel
Dr. Yigal Menashe is a senior economist at credit registry, Bank of Israel, having work at BOI for more than 26 years in various positions at research department.
His main responsibility and tasks are:
Credit Monitoring, Data Oversight and validation of Credit score Models.
Work closely with Private and commercial banks, Credit companies and other private financial companies.
Before his current position he was Advisor to EDS 19, World Bank Group, Washington DC, USA.
In this position his main responsibilities and tasks were:
Analysing the risk and financial reports of the WBG for the board– Audit Committee.
Assistance to the EDS in PPP project and MENA issues discussed at the board.
His Ph.D as some aspects of his current position dealt with uncertainty effects on investment and decision making
He holds a Ph.D, in Economy from Tel-Aviv University.
Rogério Rabelo Peixoto
Manager of the Credit Information Division, Central Bank of Brazil
He is also responsible for the administration and development of the Central Bank Credit Registry - project manager of the second version of the Credit Registry (2012) and is the manager of the ongoing project SCR3, which aims to construct the third version of the Credit Registry.
He has been the Central Bank of Brazil representative at the International Committee on Credit Reporting – ICCR – Word Bank since 2012.
He has been working in the Central Bank of Brazil since 1998 in several positions, such as Manager of the Credit Risk Monitoring Division and IT Manager.
Besides from his current position at the Central Bank of Brazil, he worked as a System Analyst at Brazilian Telecommunications Company – Telebrás mainly in Telecommunication Automation projects.
He holds an MBA in Business Administration from the Fundação Getúlio Vargas - FGV and a B.Sc. in Computer Science from the Pontifícia Universidade Católica de Campinas.
Mr. Peixoto has participated in consultancy and training on Credit Information and Credit Risk Monitoring in countries like Haiti, Cape Verde, Paraguay, São Tomé and Principe, El Salvador, Morocco and Turkey.
Dr Hartmut Schott
Product and project manager, SCHUFA
Dr Hartmut Schott has been responsible for product and project management at SCHUFA Holding AG since June 2021 and for business development and project management in the corporate customer sector since September 2022. After studying economics at the University of Cologne and the University of Edinburgh, he spent most of his career in banking and finance. He has held various specialist and management positions, particularly in the areas of strategy, projects and investment management, as well as various supervisory board and managing director positions in banks and other investment companies. In his role as Head of Business Development and Project Management, he is responsible for SCHUFA's sustainability products.
Luz Maria Salamina
Principal Operations Officer, ICCR
Luz Maria Salamina is a Principal Operations Officer, Lead of Credit Infrastructure for Africa at International Finance Corporation part of the World Bank Group, working on Credit Information and Secured Transactions.
She joined the WBG in April 2014 to work in Sub Saharan Africa promoting reforms on Credit information and support the financial industry resolve challenges and gaps in data related issues.
She was the General Manager of the Credit Bureau “APC Buro, S.A.” and Vice President at HSBC and Chase Manhattan Bank in Retail Banking in Panama.
Luz Maria represented ALACRED (the Credit Reporting Association of Latin America) at the International Consumer Credit (ICCR) task force led by the World Bank from 2009 to 2013.
Chief Revenue Officer, Unnax
As Chief Revenue Officer, Thibaut leads the Unnax business area, managing sales strategy, strategic alliances and marketing on a global level. Prior to Unnax, Thibaut worked for more than 15 years in the B2B software industry, including Big Data, Business Intelligence, Machine Learning and Fintech. He has led the business development of several startups and scaleups, combined with his passion for entrepreneurship.
Manager with over 14 years of international experience in strategic consulting gained in the largest consulting companies. Throughout his career, he has carried out various projects at the interface between technology and business for clients from the banking, insurance, technology and energy sectors.
European Chief Technology Officer, Equifax
Jeremy joined Equifax in 2018, he has a strong track record in Senior IT Leadership positions having previously worked in a number of sectors including financial services, manufacturing and automotive and has demonstrable experience in delivering large scale technology and transformation programmes.
EU Regulatory Coordinator, 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.
Founder, Quants Risk Analytics
Hakan Pekiner is the founder of Quants Risk Analytics, a company specialized in advanced analytical solutions for risk management problems. Hakan has 32 years of experience in finance industry with top management and Board level positions in various areas of banking including, treasury, risk management and finance. He also worked for PwC in consulting and audit areas. Lately he completed various risk and modeling projects with Experian and SAS. Since 2020 Hakan concentrated on developing ‘frontier science’ approaches to financial industry’s so-called problematic areas as far as analytics concerned. He not only develops novice credit analytics and risk management models through capturing the non-linearity in the data and leveraging the interdependencies of the variables, but also designs tailor-made products for various areas of business problems. Since, at the dawn of the digital era any modeling solution cannot be considered apart from the problem of how it will be applied, Quants also puts great effort in developing software solutions for its advanced analytics approaches
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.
Open Innovation Engagement and Research Manager, InnoVecos, CRIF
I am the Open Innovation Engagement & Research Manager of CRIF’s Global Open Innovation Hub, InnovEcos, where I am responsible for managing corporate intrapreneurship projects, innovation trend research, and startup acceleration programs. In this role, I work to create an environment for sharing knowledge and promoting collaboration among key players in the innovation space. I joined CRIF in 2016 and previously dealt with regulatory analysis at the Italian and European levels, with particular attention to regulatory impacts on innovation and technological development.
Founder & CEO of Mifundo
Founder & CEO of Mifundo - data solution which provides cross-border credit information to the banks in EU. Verified & Passportable Financial Identity enables consumers to be trusted by the banks in other countries.
Ex-CEO of Bigbank - in 15 years built up an international banking group which operates in 9 countries.
He is also socially active, acting as Chairman of Management Board in FinanceEstonia - the largest industry organisation of financial sector in Estonia.
Managing Director Decision Analytics, EMEA & APAC – Experian
Luciano is the Decision Analytics (DA) Managing Director for EMEA & APAC, and a member of the region’s Executive Leadership Team, reporting into Malin Holmberg, CEO, EMEA & APAC. He leads the DA Products, Analytics, Data Science, Consulting and Pre-Sales processes across the region – Continental Europe, Middle East, and Africa (EMEA) and Asia-Pacific (APAC).
Experian job history
Luciano has been with Experian for 15 years, holding a number of senior leadership roles in Latin America and EMEA & APAC. He joined the business in 2008 to lead the Business Consulting practice for Spanish Latin America.
In 2013, he relocated to Brazil where he took responsibility for the Business Consulting practice for Brazil.
Luciano then went on to lead de Decision Analytics Business Unit for Spanish Latin America between 2015 and 2017, when he was appointed Country Manager for Argentina, Chile, and Central America.
In 2019 Luciano took the position of MD for Decision Analytics in EMEA, which was expanded in 2021 to include responsibility for APAC as well.
Implemented a regional Operating Model for Decision Analytics in EMEA, delivering efficiencies of over 10% and increasing client satisfaction at the same time.
Brought together the EMEA and APAC Decision Analytics organisations, managing change in a way which enhanced employee engagement, as measured through successive internal surveys.
Established a structural approach and framework for product innovation (federated regional innovation model).
Luciano played a pivotal role in the acquisitions of the Sinacofi bureau in Chile and the APC bureau in Panama.
Prior work experience
Luciano has 25 years of experience in disciplines including: Credit Risk Management, Credit Scoring and Data Science. Prior to joining Experian, he was the Credit Portfolio & Risk Director at a consumer segment bank in Argentina for 3 years.
BSc, Economics, University of Buenos Aires - Magna cum Laude, Buenos Aires.
MSc, Economics, University of Buenos Aires, Buenos Aires.
MSc, Data Mining, Austral University, Buenos Aires.
Chair of the International Committee on Credit Reporting
As Global Director, Finance in the Finance, Competitiveness & Innovation (FCI) Global Practice, Jean leads the World Bank’s work to promote the development of sound, stable, sustainable, and inclusive financial systems. His global team of experts works with governments and partners to make financial systems more resilient, to open access to finance for poor and vulnerable people, to support economic activity and to develop financial markets. Their strategy and its implementation emphasize development of digital financial services, addressing climate change and sustainable finance and creating opportunities for women by bolstering their financial inclusion.
Previously, Jean led the World Bank’s Financial Stability and Integrity global team, which assists countries in building and restoring robust and resilient financial systems operating with integrity, transparency and in compliance with international standards and recommendations. He has extensive experience working on financial sector issues, notably in the Middle East and North Africa.
Jean was appointed as the new Chair of the International Committee on Credit Reporting in November 2022.
Vice President –FICO Score Product Management
David Shellenberger joined FICO in 1994 and has Product Management responsibility for FICO® Scores globally in financial services and new industries. He is a leader for FICO’s Financial Inclusion Initiative which strives to broaden access to banking services for more than 1.7 billion unbanked and underbanked consumers around the world. David has lead innovation in credit scoring using non-traditional data such as that available through open banking as well as other alternative data sources. His career at FICO has focused on the application of advanced analytics to address business challenges in areas of financial services, healthcare and telecommunications.
Prior to joining FICO, Mr. Shellenberger was active in release of the first commercially available mortgage credit score offered in 1992 through Credco/CoreLogic. He holds a BA from the University of California, San Diego, an MBA from San Diego State University and engaged in postgraduate work at University of California, Berkeley.
Head of Product Management, Creditinfo
Miroslav is the Head of Product Management at Creditinfo Group where he oversees product development in 4 different regions with a team of talented individuals and ever evolving mix of technologies.
With over 7 years of experience in credit information and risk management fields, he is committed to finding innovations and opportunities to develop and implement scalable systems to foster transparency and enhance financial inclusion for consumers while lowering the risk for lenders.
He is currently involved in the development of an AI chatbot solution, which is easily accessible 24/7 through a mobile phone to provide consumers with assistance in a wide variety of cases, ranging from simple support, data collection and sharing, to complex workflows.
Miroslav has a strong interest for emerging and innovative technologies such as AI, chatbots, blockchain, and DeFi, and is always looking for new ways to employ those technologies to maximize efficiencies at work and daily life. With a background in Cognitive Informatics and Economics and Psychology he brings a unique perspective to technology and finance.
Fun fact: this bio was partially created for Miroslav by a generative AI model.
Global Consumer Credit Risk, Klarna
Currently the head of Global Consumer Credit Risk at Klarna. Over 18 years of financial services experience in credit & fraud risk management and marketing strategy. Previously held multiple senior leadership positions at American Express in the US and Europe (Chief Credit Officer for Consumer Business in Europe and Global Head of Customer Management).
Director General, ACCIS
Enrique Velázquez was appointed Director General of ACCIS 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.
Principal, McKinsey & Co