8th Annual QED Conference on the Future of EU Payments

Moderators

Pascale-Marie Brien

Managing Director, Fidelis Consulting

Pascale-Marie Brien is founder and Managing Director of Fidelis Consulting, consultancy company specialized in EU payment matters that offers a wide range of services, from advocacy and public affairs to legal and strategic advice, built from an extensive professional experience across different sectors of the payment industry. Pascale started her career at Europay International (now mastercard Europe) and held various senior positions in the French Banking Federation, the European Banking Federation and PayPal where she headed the European Regulatory and Government Affairs Department. Up until recently, she was member of key European Working Groups (ERPB, European Commission Payment Systems Experts Group, the EBA API Working Group,…). Pascale holds a PHD in International private law.



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.



Speakers

Mark Barnett

President, Mastercard Europe

Mark Barnett is President of Mastercard Europe and a member of the company’s management committee since 1 June 2020. He is responsible for the overall success of the only true multi-rail payments technology company, across a region that encompasses 53 countries and serves over 950 million people through partnerships with retailers, financial institutions and businesses.

In this role, Mark leads a business focused on doing well, doing good and making people’s lives easier by delivering simple and secure ways to pay and by fostering a culture where he drives new technology and innovation to position Mastercard as the partner of choice.

Mark joined Mastercard in 2003 and has held various roles. Prior to his current role, Mark was the President of the Mastercard UK, Ireland, Nordics and Baltics Division.

Mark has over 20 years’ experience in the retail banking and payments industry. Most of his client work has been at board level; developing payments strategy, designing innovative new products, advising card schemes and processors, supporting government payment initiatives and implementing major transformation programs.

Mark has an MBA from Imperial College Business School, University of London, and a Bachelor’s degree in Economics, also from London University.



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.



Inge van Dijk

Director Payments & Marketinfrastructure, DNB

As Director Payments & Market Infrastructure at the Dutch Central Bank (DNB), Inge is responsible for payments and collateral services, as well related retail and wholesale policy and research work. Her responsibilities include the oversight of important payment and securities infrastructures and the DNB cybercrime intelligence unit that manages the TIBER program. She is vice-chair of the MOB (local ERBP), a member of the Market Infrastructure Board at the ESCB and chair of the FSB working group Cross-Border Payments Alignment & Implementation. From 2015 till 2019, she lead the Dutch Instant Payments program on behalf of the Dutch Payments Association and the Dutch banks, launching it successfully to the market mid 2019.

Before that she worked for ING for nearly a decade a.o. as Director Payments & Cash Management, implementing of SEPA across Europe and drafting ING’s global vision with regard to instant payments, cross-border payments and remittances.

Prior to ING, Inge held various management positions in the cards and retail payments sector with equens (now equensWorldline) and with Eurocard (now MasterCard).



Eric Ducoulombier

Head of Retail Financial Services, 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.



Gabriela Guibourg

Head of Analysis and Policy, Payments Department, Sveriges Riksbank

Gabriela Guibourg is an economist graduated from Stockholm University and has worked at the Riksbank since 1997. 1997-2006 she was employed at the Financial Infrastructure Division in the Financial Stability Department. The focus of her work was the analysis of the retail payment market. She also contributed to develop a general methodology for the Riksbank’s oversight work with regard to financial infrastructure.

During 2006 she worked with her PhD thesis Riksbank’s research division which also concerned payment related issues. In 2007 she switched to the Applied Research Division in the Monetary Policy Department where she worked with macroeconomic analysis and monetary policy related issues. In that capacity she contributed to develop the report for the evaluation of monetary policy that the Riksbank presents annually to the Swedish Parliament. In 2011 she became Head of the Applied Research Division. In April 2017 she returned to the analysis of payment issues when she became Head of the Financial Infrastructure Division.



Gilles Grapinet

CEO & Chairman, Worldline and President, EDPIA

A graduate from “Ecole Nationale d’Administration”, Gilles Grapinet joined the French Inspection Générale des Finances” in 1992, where he was assigned on numerous financial audits on behalf the French Government and international organisations (International Monetary Fund, World Bank, …). Mr Grapinet joined Atos from December 2008 as Senior Executive Vice-President, in charge of Global Functions, Global Sales, Consulting and Worldline until 2013.

Since July 2013, in addition of his position in Atos, he was appointed Worldline Chief Executive Officer, and has led the successful partial listing of this former subsidiary of the Atos Group with a market capitalization of c. € 2B in June 2014. Worldline has since executed an ambitious development with the successful acquisitions of Equens in 2016, SIX Payment Services in 2018 and Ingenico in 2020.

Worldline became fully independent from Atos on May 3rd, 2019, is now n°1 electronic payment services provider in Europe and n°4 globally, and since March 2020 part of the CAC40 leading French index with a market capitalization of c.21B€ (March 2021).

Mr Grapinet is in parallel the first chairman of EDPIA, the European Digital Payment Industry Alliance, the advocacy body of the largest European head-quartered payment services providers.

M. Grapinet is also member of the French order of “Légion d’honneur” (knight).



Marcel Haag

Director, FISMA B, European Commission

Marcel Haag is Director for horizontal policies at the European Commission’s Directorate-General for Financial Stability, Financial Services and Capital Markets Union. He has worked in different Commission services, including prior to his present assignment, as a Director for policy coordination at the Secretariat General of the Commission. Mr Haag is a lawyer and qualified as a judge in Germany.



Dr Dirk Haubrich

Head of Conduct, Payments and Consumers, European Banking Authority

Dirk Haubrich leads the EBA’s work on payment services, consumer protection (covering mortgages, personal loans, deposits, payment accounts, payment services and electronic money), as well as the monitoring of financial innovation (including virtual currencies, crowdfunding, automation in financial advice, and uses of consumer data). Previously, Dr Haubrich held roles across the private, academic and public sectors: he was a Manager with Accenture, Research Fellow at University College London and the University of Oxford, Policy Adviser with the UK Prime Minister’s Strategy Unit, Manager at the UK Electoral Commission and Project Manager at the UK Financial Services Authority.



Sonja Scott

Vice President & General Manager, Head of Global Commercial Services Continental Europe, American Express

Sonja moved into the role in April 2021. For the previous 3 years she was the Country Manager for Amex in Germany and was responsible for the Commercial Services Business in Germany, Austria, Netherlands and the Nordics.

Between 2013 and 2018 Sonja headed the merchant business in Germany, Austria & the Nordics. Before that she spent 10 years in the consumer card business at Amex in Germany.

Sonja has over 20 years of experience in the payments industry. Before she joined Amex Sonja spent 6 years in managerial roles in marketing and operations for the credit card and instalment loan division of Banco Santander in Frankfurt. She started her professional career at the VISA card operation of Citibank in Baltimore, Md, then moved to Frankfurt where she was vital in the set-up of Citibank’s credit card business in Germany.

Sonja earned her BA (Hons) degree in European Business Studies from the Fachhochschule Münster and the University of Humberside, England.



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.



Roeland Van der Stappen

Head of Regulatory Affairs, Europe, Visa

Roeland Van der Stappen is Head of Regulatory Affairs for Europe at Visa since November 2018. Based in Brussels, he coordinates Visa Europe’s approach to EU regulatory and policy discussions, shaping outreach and advocacy strategy in Brussels and in the region.

Mr Van der Stappen has been working in the financial sector for more than 10 years. Prior to joining Visa, Mr Van der Stappen served as Vice President of Government Policy and Public Relations at Barclays. In that role, he has been an active contributor to digital banking/ FinTech issues in various EU trade associations and platforms.



Pēteris Zilgalvis

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.