7th 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.


Jean Allix

Special Advisor, BEUC

Biography coming soon.

Elie Beyrouthy

Vice President, European Government Affairs, American Express

Elie Beyrouthy is Vice President of European Government Affairs at American Express since June 2017 where he leads the company’s engagement with European Union Institutions and advises senior leaders on EU regulatory and public policy matters. Elie Beyrouthy also represents American Express’ interests in several EU trade bodies and professional associations.

Prior to joining American Express, Elie Beyrouthy was Director of International Regulatory Affairs at Western Union for 5 years. From 2007 to 2012, Elie Beyrouthy held leadership positions at the World Savings Banks Institute and the European Banking Federation.

Elie Beyrouthy began his career as an intern at the European Commission and the United States Federal District Court of Minnesota. He holds two Masters Degrees in Law from the University of Minnesota and from the Jean Moulin University in Lyon - France. Elie Beyrouthy also holds a diploma from the Institut d’Etudes Politiques de Lyon – France.

Sujata Bhatia

Senior Vice President & General Manager, American Express Global Merchant Services Europe

Sujata Bhatia is the Senior Vice President & GM for Global Merchant Services Europe. In this role, Sujata manages the P&L for our merchant acquiring business and focuses on expanding our merchant acceptance network and strengthening our merchant relationships across Europe. Prior to this role, Sujata was SVP of Global Strategy & Payments in Global Merchant and Network Services, leading a global team focused on delivering new payment forms and a premium merchant member experience to enable Amex acceptance.

Sujata has been with American Express for 14 years. She joined American Express as Director in the Strategic Planning Group. She has held a variety of roles including Director of International Partnerships for the International Consumer Card Business, Vice President of Business Development, and Vice President of International Business Insights. She has held a number of Marketing roles including Vice President of International Marketing, leading a team across 21 markets driving marketing strategies and providing business insights analytics for Merchants, and Vice President of Acquisition, Loyalty & Engagement for Europe. 

Prior to joining American Express, Sujata was a strategy consultant at Bain & Company in London and worked at Goldman Sachs and Ernst & Young. Sujata holds her MBA in Finance from the Wharton School of Business and is a Certified Public Accountant.

Originally from Boston, Sujata lives in London. She is married with 2 daughters and is an avid Boston sports fan.

Isabelle Clairac

Chair of EuroCommerce Payments Committee, CEO, Market Pay Carrefour

After 11 years in consulting, Isabelle has been with Carrefour since 2005. Her first responsibilities, within the IT direction, were to transform Carrefour's loyalty and customer knowledge systems, and to manage all projects related to the physical and digital sales process. As such, she handled customer journey projects at Carrefour, bridging payments and value-added customer services in store. She then was appointed CIO of Carrefour Bank for 8 years.

She is currently the CEO of Market Pay for the Carrefour Group and has been in this role since May 2018. The role entails gathering all the knowledge and payments expertise of Carrefour Group under one umbrella to create new value for the Group. She oversees the management of € 27bn, and 600 million payment transactions. In this role, she provides a centralised payment solution for acceptance and acquiring across the EU, for each module of the Carrefour card acceptance offer and for all sales channels.

She is also responsible for the processing of 4 million Payment Card issued by Carrefour, from issuing to transactions, including their dematerialization.

Using her complete view between the emission and the acceptance and the acquisition, she is engaged in the development of new market technologies for retail payments and data (digital payments, mobile payments, data security). She liaises with the European institutions on legal and regulatory payment challenges.

Eric Ducoulombier

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

Biography coming soon.

Jean-Cyrille Girardin

Director Strategic Partnerships Europe Ant Financial

Biography coming soon.

Dr Dirk Haubrich

Head of Conduct, Payments and Consumers, European Banking Authority

Biography coming soon.

Ulrich Bindseil

Director General Market Infrastructure and Payments, European Central Bank

Ulrich Bindseil is the Director General of the ECB’s Directorate General for Market Infrastructures and Payment Systems (DG-MIP) since 1. November 2019. Previously, he had been the ECB’s Director General for Market Operations (since May 2012) and head of the ECB's Risk Management Division (between 2005 and 2008). Ulrich has joined central banking in 1994, namely in the Economics Department of the Deutsche Bundesbank, after his Economics studies. His publications include: Monetary Policy Operations and the Financial System (OUP, 2014): Central banking before 1800 – A rehabilitation (OUP, forthcoming).

Javier Perez

President, Mastercard Europe

Biography coming soon.

Mikael Conny Svensson

Vice President, Public Policy, Europe, Mastercard

Biography coming soon.

Lars Sjögren

CEO, P27 Nordic Payments

Mr Sjögren Joined P27 Nordic Payments in January 2019 as Chief Executive Officer. Before joining P27, Mr Sjögren worked in the financial services industry for over twenty-five years and most recently as COO Banking Nordic at Danske Bank. Other former positions include Global Head of Transaction Banking, Head of Global Business Development, Business Banking and Deputy CEO Danske Bank Sweden. He also served as Board member of Bankgirot (Swedish clearing house for payments) in 2017-2018. Mr Sjögren holds an Executive MBA degree from Stockholm School of Economics and a degree in Business Administration from Linköpings University.

Pēteris Zilgavis

Head of Unit, Digital Innovation and Blockchain, Digital Single Market, DG Connect; Co-Chair, FinTech Task Force, European Commission

Pēteris Zilgalvis is the Head of Unit for Digital Innovation and Blockchain in the Digital Single Market Directorate in DG CONNECT and is the Co-Chair of the European Commission FinTech Task Force. He was the Visiting EU Fellow at St. Antony's College, University of Oxford for 2013-14, where was an Associate of the Political Economy of Financial Markets Programme. From 1997 to 2005, he was Deputy Head of the Bioethics Department of the Council of Europe, in its Directorate General of Legal Affairs. In addition, he has held various positions in the Latvian civil service (Ministry of Foreign Affairs, Ministry of Environment). He was Senior Environmental Law Advisor to the World Bank/Russian Federation Environmental Management Project and was Regional Environmental Specialist for the Baltic Countries at the World Bank. He has been a member of the California State Bar since 1991, completed his J.D. at the University of Southern California, his B.A. in Political Science Cum Laude at UCLA, and the High Potentials Leadership Program at Harvard Business School. A recent publication of his is “The Need for an Innovation Principle in Regulatory Impact Assessment: The Case of Finance and Innovation in Europe” in Policy & Internet.

Mark Nelsen

Senior Vice President Open Banking, VISA

Biography coming soon.