6th Annual QED Conference on The Future of EU Payments


Wolfgang A. Maschek

Partner and Head of the European Public Policy Practice, Squire Patton Boggs (US) LLP

Wolfgang A. Maschek is a highly respected and seasoned regulatory and public policy specialist, in particular on retail payment matters,and leads the European Public Policy Practice of Squire Patton Boggs in Brussels.

Mr Maschek was previously Senior Counsel and Vice-President for International Regulatory Affairs at Western Union, where he led the European regulatory and public affairs functions, with a strong practical involvement in retail financial services regulation and policy matters. He previously served as the Vice-Chair of the European Payment Institution Federation (EPIF) and Chair of its Technical Committee, and he was also a member of the EU Payment Services Market Expert Group (PSMEG), the World Bank’s Global Remittances Working Group and he served as advisor to EPIF’s representative in the European Retail Payments Board (ERPB). Prior to Western Union, Mr Maschek worked in the European Commission and in the Austrian Central Bank.

In addition to being a frequent speaker on retail financial services policy, Mr Maschek is a certified Data Protection Officer and Bank Compliance Officer and now advises clients inter alia on payment regulatory and legal matters. Mr Maschek is a trained economist and lawyer and admitted to the bar of New York.

Jacki Davis

Meade Davis Communications

Jacki Davis is a leading commentator and analyst on European Union affairs. She is a very experienced journalist, speaker and moderator of high-level events both in Brussels and in EU national capitals, the editor of many publications, a regular broadcaster on television and radio news programmes and documentaries commenting on EU issues, and both a Senior Adviser and member of the Governing Board at the Brussels-based think tank, the European Policy Centre. She has been based in Brussels for more than 25 years, and was previously Communications Director of the European Policy Centre; launch editor and editor-in-chief of E!Sharp, a monthly magazine on EU affairs launched in 2001; the launch editor of European Voice, a Brussels-based weekly newspaper on EU affairs owned by The Economist Group, from 1995-2000 (which has now become Politico); and the Brussels correspondent of a British national newspaper.


Marc Bayle

Director General, DG Market Infrastructure and Payments, European Central Bank

Marc Bayle leads the Directorate General Market Infrastructure and Payments at the European Central Bank. Previously he managed the T2S Programme as T2S Programme Manager and, before that managed dossiers related to the promotion of market integration and the definition of the Eurosystem’s operational framework, focusing in particular on payment systems and market infrastructure. He has authored publications on the market infrastructure integration and related issues, such as the euro repo market. He is an active member and chairman of European and international working groups and frequently speaks at international conferences.

Before joining the ECB, Marc Bayle worked for ten years at SICOVAM S.A. (now Euroclear France), in particular as Adviser to senior management. He graduated from CERAM with a master’s degree in Finance, having specialised in audit and post-market infrastructure.

Juliette Beaulaton

Public Affairs Advisor, Ecommerce Europe

Juliette Beaulaton is Public Affairs Advisor for Ecommerce Europe and is in charge of following all files related to the digital transactions and innovation sectors. Ms Beaulaton joined Ecommerce Europe in October 2017, first supporting the work of the Director of European Public Affairs on Digital Single Market files. She now coordinates the work of Ecommerce Europe’s Digital transactions and Innovation Working Committee and Taskforce on topics such as PSD2, RTS on SCA, instant payments, cost of payments, among other things. Before joining Ecommerce Europe, Juliette Beaulaton worked in European public affairs in the field of Digital policy and copyright. Ms Beaulaton graduated with a Master’s in Advanced European and International Studies from Sciences Po Lille.

Carlos Carriedo

Senior Vice President/General Manager Europe, Global Commercial Services, American Express

Carlos Carriedo is Senior Vice President & General Manager at American Express and is responsible for the Commercial Services business across Europe. His team are responsible for delivering innovative payment and cash flow solutions to businesses of all sizes in the region.

Mr Carriedo joined American Express Mexico as a Strategic Planning Manager. He went on to take roles in various functions across the company including in Marketing, Product Management and Strategic Planning in Mexico, Canada and New York. He then left American Express to join a VC funded start up in Silicon Valley which aimed to bring un-banked US Hispanics into the financial mainstream. He subsequently returned to American Express to lead the Commercial Payments business in Latin America and Canada before taking up his current role leading the European business in 2018.

Mr Carriedo holds an MBA from Stanford University, a B.A. from Instituto Tecnologico de Monterrey. He also represented Mexico in six World Mountain Bike Championships.

Eric Ducoulombier

Head of Unit B3 - Retail financial services, DG FISMA, European Commission

Eric Ducoulombier is, since 1 January 2019, Head of the Retail and Payments Unit in DG FISMA. Before that he was in charge of the Unit dealing with Inter-Institutional affairs and Planning in DG FISMA. Eric Ducoulombier joined the European Commission in 1992, after having worked a few years in the private sector (consulting, law firm,…). He holds a Master’s Degree in law.

Andrea Dunlop

CEO Merchant Acquiring Europe, Paysafe Group

Andrea Dunlop is the CEO of Merchant Acquiring, Europe at Paysafe Group. She joined the Group in February 2013. With almost 20 years’ experience in the financial sector, Ms Dunlop has in-depth knowledge across many aspects of payments; from Acquiring and Issuing to mobile solutions. Ms Dunlop is highly-regarded in the payments industry; she has been named one of ‘Most Influential Women in Payments in 2018’, Banking Technology’s ‘Woman in PayTech’ in 2018, ‘Payments Pioneer’ by the UK Payment Awards in 2017, as well as voted number one in the 2016 Payments Power 10, a list of the top ten influential contributors to the payments industry which she has subsequently been named in in 2017 and 2018. Ms Dunlop is the Chairwoman of the Emerging Payments Association’s (EPA) Advisory Board; Advisory Board member of the European Women in Payments Network; a member of the Advisory Board for the Women in Payments Network (global) and most recently was appointed to the Visa UK Client Council Board. She also sits on a number of industry forums including Payments Systems Regulator (PSR) in the UK and is an Advisory Member of RTGS at Bank of England. Prior to joining Paysafe, Ms Dunlop ran her own consultancy, where she led several successful programmes for large high-transactional e-commerce and payments companies. Previous to that Ms Dunlop served for over 10 years in Telecommunications for the Royal Air Force.

Luke Ryder

Director, External Engagement, Barclays

Mr Ryder is Director of External Engagement for Barclays' Current Accounts, Payments, Insurance and Information businesses. In this role he is responsible for leading Barclays' external engagement with respect to PSD2 and Open Banking, alongside broader payments initiatives. In previous roles at Barclays he advised on a variety of Group-level issues within both the CEO and Chairman's offices. Prior to joining Barclays, Mr Ryder worked for the UK Government in a variety of economic and business-facing roles.

Dr Dirk Haubrich

Head of Conduct, Payments and Consumers, European Banking Authority

Dr Dirk Haubrich is Head of Conduct, Payments and Consumers at the European Banking Authority (EBA). Mr Haubrich leads the EBA’s work on payment services and electronic money, depositor protection, consumer protection and anti-money laundering and has been responsible for the EBA’s work on innovations such as virtual currencies, crowdfunding, robo-advice, and big data. Previously, Mr Haubrich held roles across the private, academic and public sectors, with consulting firm Accenture, University College London, the University of Oxford, the UK Prime Minister’s Strategy Unit, the Electoral Commission; and the UK Financial Conduct Authority. He holds four academic degrees, in business economics, politics and philosophy.

Petra Hielkema

Director of the Payments and Market Infrastructures Division, Dutch Central Bank

Petra Hielkema is Division Director Payments and Market Infrastructure at the Dutch Central Bank. The division is responsible for payments and collateral operations of the central bank, oversight, policy, the DNB Cyber Intelligence Unit as well as the TIBER-NL program (Threat Intelligence Based Ethical Redteaming, e.g. Ethical hacking). As payments are, at the frontier of technological innovation in the financial sector, the division is actively involved in the monitoring developments in this field, as well as experimenting with new technologies itself, including the development of 4 prototypes of blockchain and machine learning. In 2018 her division published its Vision on Payments 2018-2021. The focus of the vision is on ensuring a safe, robust, sustainable and efficient payment system in these times of change (including PSD2, instant payments and crypto) as well as actively understanding *e.g. not just monitoring) these technologies. Furthermore, the division is actively reaching out to new communities, while keeping in touch with the encumbants, thereby faciliting a dialogue between fintech, blockchaingers and others with the Central bank at conferences, hackatons, deep-dives and via the DNB Innovation Hub and Sandbox. Furthermore, the division is leading the operation resilience program (ethical hacking) called TIBER, setting a best practice in the financial sector with the ECB expected to also start TIBER-EU next year.

Petra Hielkema joined the Dutch Central Bank in February 2007. In 2013 she became Head Insurance Policy. In 2015 she was appointed as Head of the DNB Expert Center for Fit & Proper testing, assessing supervisory and management board members in the financial sector. In February 2017 she started as Director. Prior to joining the Dutch Central Bank Ms Hielkema had an international career in the oil and gas industry.

Petra Hielkema is a member of the Basel Committee on Payments and Market Infrastructures. She also co-chairs the FSB fmiCBCM (financial market infrastructure Cross Border Crisis Management). Furthermore, she is member of the Supervisory Board and Executive Committee of Child and Youth Finance International, an organisation that is encouraging sound economic citizenship and entrepreneurship for children and youth worldwide. Petra Hielkema has a European Masters in Law & Economics and a Masters in Russian Studies. She is married and proud mother of three.

Marius Jurgilas

Member of the Board, Bank of Lithuania

Prior to joining the Bank of Lithuania, Marius Jurgilas worked as Economist at Norges Bank and the Bank of England, Researcher at the European Central Bank, and gained academic experience in the US. As Member of the Board of the Bank of Lithuania, he is in charge of payment services and their development, FinTech, research and cash, as well as units performing related functions. To address related issues, he participates in meetings of the ECB Governing Council and committees, scientific conferences, as well as represents the central bank of the Republic of Lithuania at various international economic fora and organisations.

Jason Lane

Executive Vice President, Market Development Europe, Mastercard

Jason Lane is Group Executive of Market Development for Europe. Mr Lane is responsible for the development of the European business strategy, acceptance development, merchant relationship management, customer economics, and government partnerships.

Over the last fifteen years, Mr Lane has held positions of increasing responsibility across various business functions at Mastercard. He has extensive international experience, gained both during his tenure at Mastercard, and previously in the consulting, retail and insurance industries.

A native of South Africa, Mr Lane received his law degree from the University of the Witwatersrand, Johannesburg. He resides in London with his family.

Javier Perez

President, Mastercard Europe

Javier Perez is president of Mastercard Europe, and a member of the Mastercard Management Council. Mr Perez is responsible for the Europe Region, encompassing 53 countries and serving 9,000 Mastercard financial institutions. Before taking up his present role, Mr Perez was president of the Latin America and Caribbean (LAC) region. Under his leadership, LAC achieved significant growth, and was one of the company’s fastest-growing regions.

Previously, Mr Perez was the general manager of the Customer Division for Mastercard Europe. He was responsible for all regional business developments in Europe including branding, distribution, sponsorship and products. He joined Mastercard in 1996.

Mr Perez began his banking career with Banco Bilbao Vizcaya Argentaria (BBVA). While at BBVA, he held various top level international positions including Country Executive for Tokyo and Hong Kong operations; President of the bank’s Miami subsidiary, managing bank operations in Latin America and Southeast US; Head of Payment Systems, Commercial Banking and New Banking Products in Spain; and International Area Head for the Asia, Middle East and Africa regions.

In addition to working for BBVA, Mr Perez has also served in executive positions at Banca Catalana, Banco Directo, Lider Direct Marketing, Lider Telemarketing, Lider Advertising and Visa International, where he worked as General Manager of Business Development for the Europe, Middle East and Africa regions and was part of the team that worked on the Electron ATM interoperability program.

He has also participated as a Member of the Board of Directors for a number a Spanish banking and insurance groups including Europay España, Visa España, Banco de Negócios, Banco de Crédito Local, Caja Postal, Banco Industrial, Banco de Crédito Agrícola, Banco de Alicante, Seguros Plus Ultra and the Spanish Prison Board.

A native of Spain, Mr Perez has masters’ degrees from the ESADE University, Spain and Thunderbird School of Global Management USA.

Lukas Repa

Policy Officer, DG CNECT, European Commission

Lukas Repa has a legal background. He graduated from the University of Vienna in 1995 (Mag.iur) and 1997 (Dr. iur) and from the College of Europe , Bruges, in 2007 (LL.M). After qualifying as barrister in Austria and working for five years in law firms (corporate, banking), Lukas Repa joined the EU Commission's Directorate General for Competition in 2003 where he has been working until recently. In 2018, Lukas joined the EU Commission's DG CONNECT Unit F3 responsible for Blockchain Technology and FinTech. Mr Repas' interest in Fintech goes back to his work in DG COMP and to research at the UC Berkeley, USA, from 2018 – 2019 where he worked as fellow of the Institute or European Studies.

Eilin Schjetne

Head of Products and Solutions for the Nordic and Baltic region, Visa

Eilin Schjetne is Head of Products and Solutions at Visa for the Nordic and Baltic region. Before joining Visa, Ms Schjetne was heading up Consumer Payments in the Nordic payments company Nets, and she has been holding different management positions within Product Development of Corporate Payments in the Norwegian bank, DNB. She started off her career in SEB Card, as Marketing Manager for Eurocard in Norway. Ms Schjetne graduated in year 2000 from the London School of Economics (LSE) with a Master of Science.