A professional in the banking industry with more than 10 years experience, built through many segments of the banking business, from sales, product and process development to various responsibilities in the functions of supporting business operations. Expert in procurement, cost and investment management, with strong negotiation skills.

A passionate lover of innovation and change management. Interested in digital business transformation and organizational culture change management through agile methodology. Driven by creating a new value in business, self-motivated to achieve own and company’s goals.

Thea is a committed, energetic, and creative professional with nearly two decades of experience working in the #financial and #technology environment. Her main focus is on business development, #sustainableinnovation, and bridging the divide between a good idea and its actual execution (#accelerator).

Thea currently works at CM.com, a global communications and #payments platform empowering businesses to engage with customers across multiple mobile channels. She has previously held various positions at ABN AMRO Bank NV in commercial, management and product development areas.

At CM.com, Thea holds the position of Strategic Business Developer within the Strategy Office and she is responsible for Proof of Concepts. She researches and initiates new business developments, converts them into a concept, test them and builds the business case for feasibility and added value for the CM platform. In addition to (technical) feasibility and innovativeness, the revenue model is also an important touchstone. To achieve this, she often works together with prospects and existing customers, strategic partners and is mainly focused externally.

Her innovative mind has resulted in the successful implementation of several new business projects and models in the payment and identity industries. She recently completed a pilot for the CM softPOS solution; an App that transforms your regular smartphone or tablet into a secure payments terminal, enabling it to immediately begin accepting card payments.

Thea’s aspirations for EWPN NL are to bridge gaps between payments and tech, utilize the EWPN community’s brainpower in hackathons or think tanks. Instead of focusing on the differences, monetize them! Preferably combining her passion for sustainability and innovation.

Katarzyna is legal & compliance expert at Przelewy24 – a payment institution which provide modern and secure payment solutions. She has more than 8 years of experience in financial and regulatory sector. Since joining P24 in 2017 she’s highly passionate about innovation in payments and the role of compliance and best practices in it.

In her activity, she would like to highlight the importance of women in the financial technology and payments sector.

Currently, Katarzyna is based in Poznań, Poland.

Özgül is an experienced business developer and marketeer with a demonstrated history of working in payment services, cards, and financial technology industries. Currently, she is leading and developing business partnerships in the financial services (Banking) and payments ecosystem in Token Financial Technologies company. Prior to Token, she was managing a card program in a bank which is one of the top 3 major players in market share with 5 million customers in Turkey.

Özgül has more than 15 years of experience in strategic account management, product management and customer engagement. She has been in different commercial areas in the fields of B2B and B2C business development and marketing.

She is a passionate lifelong learner, energetic and enthusiastic team player. She is keen to connect the dots and discover uniqueness in life. She believes in embracing & respecting diversity and create value to make peoples’ lives grow and progress in a positive way. She thinks that payments and financial services are very related to the culture, economy, structure of society, and geographical conditions. She struggles to bring ecosystem partners together to build value with the aim of touching people’s lives.

Filomena during her 19 years of work experience (and counting) has been leading core teams in essential processes of key importance in her company and her own country. Her expertise in the field of payments and card industry is wide, from EMV migration projects, Acquiring, ATM/POS processing, e-commerce, to digital and innovative payments.

Keen of everlasting and constant education, Filomena is considered to be the top-learner and innovator in her own field: BSc in Electrical Engineering, Department of Electronics and Telecommunications, Master’s Degree at the Faculty of Economics, alumni of the Schulich School of Business, York University Toronto CA and a fellow of the Kellog School of Management, USA.

She is a member of the National Council for Payment Systems at the National Bank and the committee for encouraging cashless payments, actively and boldly participating and supporting the initiatives for improving the use of electronic payment channels.

In the moments between taking the North Macedonian digital ecosystem towards the future and constantly learning new perspectives, Filomena is a passionate cooking aficionado, tech-savvy explorer of new innovative gadgets and an active fan of fitness and yoga routines.

Marianne Bernou is legal & regulatory expert in Banking Circle in Luxembourg, a financial infrastructure provider to payments businesses and banks that recently received a banking license from the Luxembourg supervisory authority. She has more than 10 years of experience in regulatory and prudential matter both in Luxembourg but also at European level having worked in a law firm and then transitioned to in house counsel 9 years ago.

Recently Marianne supported the launch of the Emerging Payments Association EU A.S.B.L (EPA EU), a non-profit association of payments industry influencers based in Luxembourg.

Marianne is also an active board member of LILLA – Ladies in law Luxembourg Association, a non-profit organisation supporting women in the legal sector in Luxembourg.

Heba Attieh is Managing Partner of Frontiers Global.

Heba is a business passionate; riding the roller coaster of startups with the aim to provide holistic education and upskilling for MENA region professionals in the Payment industry, Cybersecurity and Digital transformation.
Bringing global expertise to local businesses and individuals in these niche industries through consultancy services, professional hands on training and technical events.

Heba has 10 years of experience, recently in the payment industry; focused on project management, Agile businesses and managerial support.

Hobbies and interests; learning and self-development, people empowerment; swimming, kickboxing, reading and of course is a coffee Junkie.

Anette is a global business executive with many years of experience from Finance and Payments. Her most recent role is as Regional Managing Director Nordics for Western Union. Prior to that, she has developed customer engagement strategies and programs as well as leading marketing and digital transformation around the globe.

Anette considers herself a global citizen and has lived abroad for most of her life and is fluent in Swedish, English and French. She is now back in her home country Sweden, living in Stockholm. She loves discovering the world and has visited 59 countries. She is passionate about sustainability and convinced about the importance of education in making this world a better place.

Esther is Country Ambassador for EWPN in the Netherlands and has over 20 years of experience in sales, consultancy and strategy execution. She lives in the Netherlands with her two sons and has an extensive background in strategy (execution), sales & business development, digital transformation and building high performing teams in the Banking and Fintech industry.

She currently advises the Board of Holland Fintech, the Dutch community for Digital Finance. She was a partner at Innopay – a Dutch strategy consultancy firm in digital transactions – where she led the Banking, Payments & Fintech practice for 4 years and represented the company on topics like payment innovation, open banking, digital identity and smart home commerce. Prior to joining Innopay, she worked for over 10 years in global transaction services at ABN Amro and the Royal Bank of Scotland in multiple management roles.

Esther is a strong advocate for a diverse and inclusive financial industry with inspiring male and female role models. She actively promotes the positive impact of diversity on the performance of businesses and wants to break down silos and take away bias to improve inclusive working environments. As such, she is proud to represent EWPN in the Netherlands.

Bettina is a Strategic Partnership Manager at Paysafe Group with 5 years of experience in the payment industry, holds a Master degree in International Business and Management. Previously, she worked at Deutsche Telekom and other international companies.

She is passionate about technology, innovation, and loves the dynamic of the payment industry. If she is not busy with partner meetings discussing the capabilities of the Paysafe Group, she enjoys spending time with her family and friends, reading books, travelling, and baking cakes.