FINANCE AND TECHNOLOGIES EXPO- FINTEX ISTANBUL

Born in 1960

Received his basic education in 1978-1983 at the Tashkent State University with a degree in applied mathematics.

Subsequently, in 1989, taking into account the beginning of work in the economic executive bodies of the Tashkent region, he additionally received an economic education.

In 1994, he began working in the Cabinet of Ministers, where he held responsible positions for interaction and coordination with foreign companies in terms of foreign investment.

In 1999, in order to raise the level of understanding of the world economy and capital flows, he completed a course in macro and microeconomics at Georgetown University, Washington DC.

In 2001 - 2005, he headed the project for the construction of high-tech composite materials.

From 2006 to 2016, he worked in a venture capital company as a financial consultant on oil production and retail projects in Kazakhstan.

In 2016 - 2020, he headed the analytical service of the largest private company in Uzbekistan specializing in the construction of facilities in the oil industry.

Currently, he heads the Department of International Relations and Information Technologies of the Association of Banks of Uzbekistan.

After graduating from the Kazakh National Technical University (1988), he taught at the Zhambyl Technological University (Taraz, Kazakhstan). He completed postgraduate studies at the Department of Technical Cybernetics of the Moscow State Academy of Chemical Engineering (Moscow, Russia, 1990-1993). He defended his PhD thesis on the theory of control of technical systems (1994).

       He has been working in the banking system since 1994 (Chief Specialist, Head of Department, Director of the Department, Acting Deputy Chairman of the Board of one of the largest banks at one time - Kazagroprombank) (1994-1997).

       In 2008-2017, he worked at BCC-Moscow Bank in Moscow (Russia) as Head of Internal Audit, then as a member of the Board of Directors.

       He has been working in the Association of Banks of the Republic of Kazakhstan since 1998 as Deputy Chairman of the Executive Committee, and since October 2002 - First Vice-President, Chairman of the Executive Committee.

       In addition to public work, he studies the problem of financial risk management, issues of banking digital transformation. He has repeatedly spoken at international conferences and seminars on financial and banking activities.

       M. Baitokov is a member of the International Banking Council (IBC), Chairman of the Expert Council of IBC, Editor-in-Chief of the journals "Banks of Kazakhstan" and "Appraiser of Kazakhstan".

        After graduating from the German Banking Academy (Frankfurt am Main, Germany, 1996-1998), he received a master's degree in banking education. He teaches banking disciplines at the Almaty Banking Training Center, International Business Schools in Kazakhstan.

After graduating from the secondary school he was admitted to the department of “Accounting” at Azerbaijan State Economic University and completed the full course on the speciality of “Economist” in 1981. Zakir Nuriyev started his labour activity as Leading Accountant at the “Control and Inspection” department of the Ministry of Communications, Azerbaijan Republic in 1981.

 Zakir Nuriyev did his military service during 1981-1983. He worked in the capacity of Accountant – Inspector, Chief Inspector and Deputy Chief Accountant at the “Control and Inspection” department of the Ministry of Communications, Azerbaijan Republic from July, 1983 until January, 1989 after having served in the military.

 He was appointed to the post of Manager of the “Control and Accounting” division at “Regional Communication” Production Association of the Ministry of Communications, Azerbaijan Republic in 1989. Zakir Nuriyev worked in the capacity of Chairman of the Management Board at “Rabitabank” Joint-Stock Commercial Bank during 1993-1998 and has been acting as Chairman of the Supervisory Board at “Rabitabank” Open Joint-Stock Company since 1998 up to date. He was elected President of the Azerbaijan Banks Association in 1996 and worked in that capacity until 2006. He has been member of the Presidium at Azerbaijan Banks Association from 2006 till 2015. He was re-elected President of Azerbaijan Banks Association in 2015.

Graduated from Ankara University, Faculty of Political Sciences, and Department of Public Administration. In 1996, Çakar started to work as an Assistant Auditor in our Bank, served as Auditor and Department Manager and was appointed as Regional Director-in-chief in 2005.

Çakar, became the Head of Department in September 2007, served as Executive Vice President for Retail Banking, Executive Vice President for Operations, Executive Vice President for Consumer Banking and Executive Vice President for Retail Banking, he served as Executive Vice President for Distribution Channels Management between January 2016-July 2017, Executive Vice President for Payment Systems between July 2017-June 2018, Executive Vice President for Retail Banking-2 between June 2018-March 2021.

He served as member of the Board of Directors/member of the Audit Board of Ziraat Leasing, Bileşim Alternatif Dağıtım Kanalları Ödeme Sistemi A.Ş., Ziraat Life & Pension, Ziraat Insurance, Credit Registry Bureau, Ziraat Bank (Moscow) JSC, Turkmen Turkish Joint Stock Commercial Bank, Ziraat Technology, Interbank Card Center, Ziraat Gayrimenkul Yatırım Ortaklığı A.Ş. (Ziraat REIT), Ziraat Bank (Moscow) JSC, respectively, between the years of 2003-2019.

Çakar has been serving as the CEO and member of Board of Ziraat Bank since March 2021. He is the Chairman of the Credit Committee since March 2021. He has been the Chairman of The Banks Association of Türkiye since April 2021. He is member to the Board of Türkiye Wealth Fund since May, 2021. He has been carrying out the duty as Chairman of the Board of Directors of Ziraat Participation Bank since February 2022.

President, Finance Office of the Presidency of Türkiye

Executive Director, Azerbaijan Banks Asscoaition

Experienced specialist with a demonstrated history of working in the banking industry. Skilled in Processing, Project Management, Risk Management, Customer Service, Banking, and Business Process Improvement.

Zakir is responsible for BirBank mobile application, including end-to-end management of digital products, service and support. He also plays a key role in the continued development of strategic relationships with International Payment Systems.

Executive Master's degree in Maastricht School of Business and Azerbaijan State Diplomatic Academy (2018), Master's degree in Economic Assessment of Investments at the Azerbaijan State Oil Academy (2012), Bachelor of Management at the Academy of Public Administration under the President of the Republic of Azerbaijan (2008).

Namid Abdulov, born in 1987 in Azerbaijan, holds over 13 years of expertise in payment systems, project management, and banking. His career commenced at YapiKredi Bank in the Payment Cards Unit before pursuing a Master's degree at Azerbaijan State Economic University and Executive Management studies at the London Business School.

Currently serving as the Director of the Processing Center at AzerTurk Bank OJS, Namid has led pivotal projects in the Payment System industry, notably driving successful digitalization initiatives. His strategic leadership has positioned the bank at the forefront of technological innovation in finance.

Known for his dynamic approach and strategic insights, Namid is committed to advancing the realms of payment systems and banking. He actively contributes to industry forums and seminars, sharing expertise and fostering professional growth.

Namid Abdulov remains dedicated to pioneering advancements in payment systems, shaping the future of banking through innovation and strategic leadership.”

Anar Abbasov is the Retail Segment Tribe Lead at International Bank of Azerbaijan, bringing over 15 years of diverse experience in the financial sector. He holds a bachelor's degree in Economics and Law from the Aviation Academy and an Executive MBA from the University of Sheffield, where he specialized in General Management. Throughout his career, Anar has overseen various critical areas including Retail Banking, IT, digital banking, payment and processing systems and also insurance area.

In his current role, Anar focuses on enhancing retail banking through strategic digitalization, implementing AI models in banking and superior customer centric service.

Starting from 2018, I was responsible for managing key projects and upgrading the bank's main product. Evolving into an Expert, I focused on strategic card management, payment systems, and cost analysis, including Anti-Fraud rules.

With more than 10 years of experience in card business, I have joined Leobank in 2021.

Since 2021 I am the Head of Payment Systems and Antifraud at Leobank, contributing to the innovative Leobank project. In my current role, I lead international payment system integration, strategic partnerships, analytics, and digital projects. Simultaneously, I contribute to the development of cutting-edge Anti-Fraud rules for continuous monitoring and prevention. This journey reflects a commitment to excellence and a strategic vision for a positive impact in the industry.

Nurlan joined Visa in 2013 bringing 9 years of experience in banking, marketing, business development and payment cards to the team. Prior to joining Visa, he was Head of Payment Cards at DemirBank (Azerbaijan), responsible for acquiring payment products, payment card risk and digital channel development. Prior to joining DemirBank, Nurlan worked at UniBank, where he was in charge of marketing and business development.

Since 2022, Nurlan Hajiyev has been appointed to the position of Senior Director, Regional Manager in Azerbaijan, based in Baku.

In this role, Nurlan continued his work on business development in Azerbaijan, ensuring local team’s integration and alignment. With nine years’ experience at Visa, Nurlan initially joined as business development manager being a single representative of Visa in Azerbaijan for 6 years, contributing to the team's recent growth. Throughout this time, Nurlan has been a valuable member of the Visa CISSEE team, building strong client relationships, driving business development, strategy and its implementation in the market. Nurlan has greatly contributed to such milestones in the Azerbaijan market as implementation of VTS and launching Apple Pay, launching first in CEMEA B2B Connect along with other key achievements.

Head of Digital Banking, Ziraat Bankası

Group Head, Denizbank

After graduating from Boğaziçi University with a bachelor's degree in business administration, he commenced his professional career at Akbank as an internal auditor in 2003. Almost 4 years later, in 2006, he moved to Citibank Turkey, worked as business profitability manager and later as product manager in Consumer Lending Business department. 

In 2010 he moved to QNB Finansbank and started to work as portfolio manager in the Consumer Banking department. In 2012 his management span was extended and as a result of this, he was in charge of consumer banking products management together with portfolio activities. In 2017, he moved to Fibabanka A.Ş. and led the consumer banking business for 1.5 years. In 2018, he joined Enpara.com team and started to lead the Digital Banking Management department, including all Product/Portfolio Management, Analytics, Digital Marketing and Brand Communication teams. During this period, he participated in x-border projects in order to implement the Enpara.com business model for QNB Group’s subsidiaries, especially in the MENA region.

Finally, he graduated from Marmara University Law School in 2021 and is holding an attorney’s license.

Özge Çelik has over 20 years of experience in the payments and financial services industry. She started her career at Akbank. In 2007, she joined BKM – Interbank Card Center, and in the following 14 years, she held various positions in business development.

She is currently working as Head of Product at Papara. She and her team oversees the entire product life cycle, from defining product strategy to orchestrating product launches.

She is passionate about payment systems and the newest technologies.

After graduating from the Middle East Technical University's Department of Political Science and Public Administration in 2004, I began working as an assistant specialist in Digital Banking at Türkiye İş Bankası. Between 2006 and 2007, I completed a master's program in banking and entrepreneurship in Italy. I have been involved in various digital banking projects at İş Bankası, with a focus on Mobile Banking and Internet Banking. Since August 2021, I have been serving as the unit manager responsible for the management of İşCep and Internet Branch channels.

As the Chief Digital Officer of UPT, Aslı Gülen Gündüz leads the company’s digital growth strategy and development of digital product, namely UPTION. UPT is the leading cross border money transfer EMI of Turkey, operating in 176 countries with more than 400,000 service points.

Aslı has 20+ years of experience, during which she has led the digitalization journeys and growth of digital businesses in the leading financial institution. Her current focus is on expansion of UPTION into international markets.

Having a degree in Computer Engineering, Aslı is passionate about driving business outcomes through the use of technology and embracing innovation to create tangible impact in costumer experience.

Alexey is responsible for developing and implementing a comprehensive strategy to drive business growth for the Compass Plus Technologies in MEA and Eurasian regions. His role includes the coordination of initial sales, existing customers business extension, project delivery, and business development. Apart from this, Alexey supervises regional technical and sales teams.

Alexey has over two decades of payments industry experience. He joined Compass Plus Technologies in 2002 as a Marketing Manager, following this he moved though the positions of Account Administrator, Regional Sales Manager, and Deputy Commercial Director. Such vast experience enabled him to study the payment industry and its features in depth. In 2014 he was promoted to Managing Director of MEA where he led the global strategy and sales in the region. After this, Alexey was appointed EVP and Managing Director of MEA and EAR due to his strong leadership skills. 

During Alexey’s tenure, Compass Plus Technologies has developed TranzAxis, described as ‘visionary’ platform by payments experts, along with other ground-breaking solutions that established the company to be market leader and innovator in the payments technology space.

Alexey will talk about the capabilities of Compass Plus Technologies solutions that promote payments and retail banking products.

Executive Vice President, KKB-Turkish Credit Bureau

Chief Operations Officer , Misyon Yatırım Bankası

Born in 1977, Kadir Mustafa Öztürk graduated from Istanbul Technical University. Since 2000, he took an active role in internet branch, mobile banking, contact center, ATM, digital wallet and digital infrastructure development projects in companies that provide software on financial technologies. With 22 years of experience, Öztürk joined Aktif Bank in 2021.

Cihat Muş has combined his 20+ years of fraud management, internal control career in top tier banks with career in world leading fraud detection and prevention solution vendors. 

He would bring a deep understanding of business needs with a vast knowledge of software.

His strong analytical skills allowed him to take roles in critical projects and experience the firsts in many projects in many industries. He successfully completed many software delivery projects of world leading fraud detection softwares in Turkey, Europe and Central Asia regions.

Aside from the projects he delivered, he shared his deep experience with his top tier banks by giving business consultancy and achieved successful results in fraud detection and false positive reduction.
He brought out complex multi-channel scenarios and behavioral fraud detecting and preventing models complying with local and international regulations such as PSD2.

Serkan Akcan was born in Istanbul in 1976. He attended programming language training in 1988, while he was still in secondary school. He studied electronics and computers and started working in the IT sector when he was at university. Akcan, who has been working exclusively in the field of cyber security since 2000, has a Master's Degree in Cyber Security. He initiated the Beyaz Şapka (White Hat) Information Security project in 2006 and launched Turkey's first information security magazine and conference. He is the CEO of Nebula, the first cyber security company established in Istanbul in 2005, and SecHard, a Nebula subsidiary that has been developing cyber security software since 2020. Recently, he established the TR Cybersecurity Alliance organization, a technical think tank consisting of cyber security industry professionals working for corporate and national cyber security. Serkan Akcan is married and the father of a daughter.

Serdar Murat Öztaner is the Executive Director of the Payment Systems and Financial Technologies Department at the Central Bank of the Republic of Türkiye (CBRT). He has participated in many research studies in the field of payment systems and has worked in many diversified projects pertinent to the CBRT Payment Systems including the large scale project conducted in-house during 2011-2013 by the CBRT to restructure and renovate its payment and settlement system utilising its own resources. He also contributed to FAST project which was launched on Jan 2021. He represented the CBRT as a member in the joint BIS/CPMI-IOSCO Working Group for Cyber Resilience in FMIs (WGCR). He is currently studying on the emerging FinTech use cases such as Open Banking, Digital Currencies, Distributed Ledger Technology, Faster Payments, etc.

Prior to his current post, Öztaner has worked more than a decade as an IT expert in the Payment Systems Division of the IT Department where he mainly dealt with the participant systems. He received his Ph.D degree in Informatics from Middle East Technical University in 2014.

Deputy Executive Director,  Central Bank of the Republic of Türkiye

Executive Vice President, Garanti Bankası

Baran Aytaş is the CEO and the board member of BKM, responsible for the operation of the existing payment infrastructures and the development of new payment infrastructures in line with the needs and demands of the ecosystem. And also for the Troy, our national payment scheme.

Prior to BKM, Baran Aytaş contribute to payment ecosystem more than 5 years at the Central Bank of the Republic of Türkiye and more than 6 six years at the different fintech companies in different positions from software developer to manager and advisor.

Baran Aytaş received his Computer Engineer degree from Izmir Institute of Technology and Financial Engineering and Risk Management bachelor’s degree from Özyegin University.

CEO, Sipay Elektronik Para ve Ödeme Hizmetleri

Ali Suha Ter has nearly two decades of banking experience in architecting and managing risk and control portfolios globally, in APAC and Türkiye. He started his banking career with the Garanti Bank in Türkiye where he served as the Manager of Security and Special Projects for Digital Banking. He moved to Singapore in 2017 to join Standard Chartered Bank as Global Head of Risk for Digital Banking. In 2019, he moved to Hong Kong to join Mox Bank, a new generation bank by Standard Chartered, where he experienced the bank's journey from its stages from licensing to launching and operating. He is currently based in Dubai and is the Risk Officer for Fuze Technology, which provides regulated digital assets infrastructure platforms in MENA

Over 15 years of management experience on transformation programs, operational efficiency, digitalization, lean methodology and process management.

He was born in 1982 in Switzerland. He graduated from Bilkent University, Faculty of Business Administration in 2004.

Between 2005 and 2017, he worked as Auditor, Lean Transformation Vice President and Process Management & Business Development Vice President respectively at Akbank T.A.Ş. He led  the bank's digital transformation program, lean transformation projects and paperless bank program.

He joined  Yapı ve Kredi Bankası A.Ş as Process and Program Management Director in 2017. Currently he holds the position of Executive Vice President at Process Management at Yapı Kredi Teknoloji. He has recently been leading transformation programs in subsidiaries in Azerbaijan, Germany and Netherlands besides the transformation program at the bank.

Alpaslan Binici graduated from Istanbul University with a bachelor's degree in Computer Engineering in 2001. Later in his education, he was entitled to receive a master's degree at Sakarya University Computer Engineering with the thesis he prepared on Public Key Infrastructure. He started his career as a systems engineer at Siemens Business Services A.Ş. Afterwards, he managed projects and provided consultancy and audit services on electronic signature, mobile signature and public key infrastructure at E-Güven A.Ş. Binici, who has contributed to many seminars throughout his career, holds CISA,CISM, CISSP and ISO 27001 LA certificates. He currently continues his career as Head of Information Security Department at Şekerbank T.A.Ş., responsible for information systems security, data management, identity management and customer transaction security functions.

Director, CRM and CXM, Vakıflar Bankası

Kadir Yüceer texnologiya sektorunda böyük təcrübəyə malik bacarıqlı liderdir. İnnovasiyaların tətbiqi və uğur qazanılması üzrə sınaqdan çıxmış təcrübəyə malik Kadir Yüceer biznesə uzaqgörən yanaşması ilə tanınır.

O, fırıldaqçılığın qarşısının alınması, müştərilərin rəqəmsal müşayiəti və informasiya təhlükəsizliyi ilə bağlı praktiki icra və konsultasiya təcrübəsinə malikdir. O, müştərilərini, aktivlərini və nüfuzunu qorumağ çalışan üçün banklara, “fintech”lərə və digər maliyyə institutlarına fırıldaqçılıq və təhlükəsizlik riskləri ilə mübarizə aparmağa kömək edir.

Daim inkişaf edən texnoloji mənzərə və onun biznesə təsirləri haqqında dərin biliklərə malikdir. O, hər zaman ön sıralarda olmaq məqsədilə yaranan tendensiyaları müəyyən edir və rəqabət üstünlüyü əldə etmək üçün onlardan faydalanmağa çalışır. Uzaqgörən təfəkkürü sayəsində bu sahədəki dəyişiklikləri əvvəlcədən hiss edir və strategiyalarını buna uyğunlaşdırmağa çalışır.

Problemləri həll etmək bacarığı və həllyönümlü yanaşması yüksək qiymətləndirilir. O, maneələri dəf etmək və arzu olunan nəticələr əldə etmək üçün innovativ yollar axtarır, problemlərin öhdəsindən gəlir. Analitik düşünmə qabiliyyəti və detallara diqqəti ona biznesin inkişafına təkan verən əsaslandırılmış qərarlar qəbul etməyə imkan verir.

Kadir texniki bacarıqları və strateji düşüncəni özündə birləşdirən liderdir. Mürəkkəb texnoloji mənzərəni istiqamətləndirmək, əməkdaşlıqları gücləndirmək və innovasiyaları təşviq etmək bacarığı onu İT və maliyyə sənayesi üçün dəyərli mütəxəssisə çevirir.

Vice Chairman,  Banking Regulation And Supervision Agency

Gülşah HALICI graduated from Hacettepe University Computer Sciences and Engineering Department with high honor degree in 1993.

Following graduation, she has implemented several projects as software engineer, database administrator, and system analyst at various leading firms in Ankara and İstanbul.

She started working at Banking Regulation and Supervision Agency in 2000 as an experienced IT Specialist.

Since then, she has implemented several projects as group leader at Information Management Department, DB & Software section.

Currently, she is the Head of Information Systems Compliance Department.

Erkan is the IT Director of Digital Channels in Fibabanka. Responsible for Internet and Mobile Banking Department, Call Center / IVR Technologies Department, CRM Technologies Department, Digital Security Department and Digital Insurance Technologies Department. Skilled at leading Digital Transformation of banking Digital Channels, Platform Banking, SuperApp, Open Banking, Payment Systems, and IT Transformation. In addition to more than 30 years of programming experience, he worked as Software Engineer, Software Architect and middle-high Management positions in his 19 years of professional business life. Before Fibabanka, worked at Ziraat Bank, Turkiye Is Bank / Softtech, Meteksan and Dogan Holding companies. Took key roles in major software development, IT transformation projects and business process improvements. Graduate from the Eastern Mediterranean University with a Bachelor of Science in Computer Engineering, in addition, holds a MBA Degree from Bilgi University.

Fintech and Digital Finance Leader in KPMG Turkiye. She is a member of Digital Finance Working Group (DFWG) advisory board. In addition, she is also the founder member and vice president of Financial Innovation and Technology Association (FINTR). Sinem Cantürk has started her career in Yapı Kredi Bank at 1996 and spent ten years in variety of roles as application development team leader, application architect and project manager. She has joined KPMG at 2006. Since that date, she has been leading Information Technology (IT), process audits based on global standards like CobIT, ISO, SOX, ITIL, CMMI as well as process audits based on local regulations like BRSA (BDDK), Capital Markets Board (SPK), Public Oversight Accounting and Auditing Standards Authority (KGK), Information and Communication Technologies Authority (BTK) regulations. Additionally, she has also participated in numerous advisory engagements like banks and/or e-money company establishments, due diligence projects, cobIT implementations, ISO standards implementations, business continuity analysis, internal control environment implementations mainly for financial sector firms.

Yaman Polat joined Deloitte Turkey in 1999. He is currently the Financial Services Leader of the Deloitte Turkey.

He led audit of several national and multinational companies. He has more than 24 years of experience in audits conducted within the framework of International Financial Reporting Standards («IFRS») and Turkish Financial Reporting Standards («TFRS») and consolidation of large groups. He also has extensive knowledge of Banking Regulation and Supervision Agency («BRSA») and Capital Markets Board («CMB») regulations.

He supports all audit teams as an expert in derivative financial instruments and hedge accounting within Deloitte Turkey. He had significant contribution during the financial due diligence projects within the banking sector. He is also performing blockchain advisory services.

He is a member of Turkish Independent Auditors Association.

 He graduated from Ankara University Business Administration Department in 1999

Abdurrahman is a Director in Business Consulting, focusing on IT Audit and Governance. He is a BRSA Lead Auditor. He has joined EY in 2022 and based in Istanbul office. Before he worked in BRSA from 2005-2022 in the Department of Information Systems Compliance first developed software applications, then managed IT system, network, and security operations then over 10 years engaged in IT audits and cyber event management. He is a Computer Engineer, and he has a CISA certification.

Abdurrahman’s technical skills are primarily in the areas of IT Assurance, GRC, Digital Banking, Financial Technologies, Cyber Resilience, Data Protection and Privacy. Focusing on Banking and Financial Services Abdurrahman supervising institutions for defining gaps whether an acceptable level of IT governance practices for aligning with business strategies exists in an organization, addressing risks for mitigating them, increasing the level of overall compliance for local regulations and international standards. Abdurrahman has delivered a number of IT audits both from supervisory and compliance perspective in Banks, NBFI’s and PSP’s and investigated Cyber events.

He has been working for PwC since  2012. He started his Career in 1986 and he worked for Turkkablo and Interbank  as a software developer and executed IT Manager roles in Demirbank and Tekstilbank. After his career in several banks in Turkey, he worked for Deloitte as a Partner for 11 years. He has a Broad experience in IT & Process Control Assurance, internal audit and ERP solutions. He managed and performed various Technology projects, Information Systems implementation projects in different industries. 

He has taken his undergraduate degree from Istanbul Technical University Electrical-Electronics Engineering Department.

He certified in the Governance of Enterprise IT (CGEIT), Certified in Risk and Information Systems Control (CRISC), Certified Risk Management Assurance (CRMA). 

Coordinator, The Banks Association of Turkey

Arzu Demir is a compliance executive and business partner with extensive experience in both Conduct Compliance and Regulation for more than 29 years. Ms. Demir has work experience in different roles under compliance function of multinational banks and 21 years of functional management of operations. She is currently Head of Compliance & Regulation at Pasha Bank Turkey.

Born in 1983, Feryal Özer completed her primary and secondary education in Bursa and graduated from Ankara Gazi University, International Relations and Public Administration double major, with honors. Özer started her banking career as a Document Credit Specialist at Garanti Bank Foreign Trade Department. She has a certificate given by International School of Finance.

After working at Garanti Bank for approximately 10 years, she continued to work as Legislation and Compliance Manager at TSKB Corporate Compliance Department in 2016. She was promoted to the position of Senior Manager in 2021. 

Özer, who started working as Head of Compliance Department at Aktif Yatırım Bankası in 2022, has 16 years of banking experience. Feryal Özer has expertise in national and international sanction processes, especially AML/CTF issues and foreign trade legislation, provides training on foreign trade and international sanctions at the bank. She also provides consultancy within the bank on international sanctions, prevention and combat of money laundering and business ethics.

Head of Compliance, Hayat Finans Katılım Bankası

He was born in Tokat in 1983. Upon completion of his undergraduate studies at Eskişehir Osmangazi University in 2006, he embarked on his professional career at Ziraat Bank. Following three years of branch experience, he appointed the Bank’s Compliance Department as a Risk Analysis and Assessment Specialist in 2010. After acquiring an experience in compliance-related roles throughout ten-years, he was appointed as the Head of Department at MASAK, where he served for a two-year tenure. He currently continues to work as the Financial Crime Compliance Director at Ziraat Bank.

Head of Compliance, Garanti Bankası

As the Deputy Executive Director, Emre is in charge of the CBRT’s oversight and regulation functions for all payment & securities settlement systems and payment services and elecronic money institutions in Türkiye. He  also takes part in the cooperative work of the CBRT with other relevant authorities for financial market infrastructures in Türkiye.

Emre has 18 years of experience in the payments area within the CBRT and has spent several years at different levels of responsibilities for payment systems during this period. He has represented the CBRT at several international organisations and at CPMI working group meetings. He has been representing the CBRT at the CPMI main committee meetings since early 2017.

After graduating from Boğaziçi University, Computer Engineering program, he graduated from Ankara University, Faculty of Law, and then studied Computer and Communications Law LL.M., at Queen Mary University of London.

Since he started working at the Banking Regulation and Supervision Agency (BRSA) in 2005 and until he was appointed as the Head of the Regulations Department at the end of 2019, he took part in many IT audit activities in banks and contributed to the drafting of all information systems-related regulations of the BRSA, including electronic banking regulations and payment services regulations.

During his tenure as the Head of the Regulations Department at the BRSA, he enabled the implementation of “the Regulation on the Operating Principles of Digital (Branchless) Banks and Banking-As-A-Service Model”.

He was appointed as the Vice Chairman of the BRSA at the beginning of 2022 and he resigned from this position and his job at the BRSA voluntarily in January 2023, after 17 years of service.

He continues to transfer his knowledge and experience to the finance and fintech sector by offering consultancy services through the consultancy company he has established. He currently holds Board Memberships in an Asset Management Company and in a Financing Company.

Assistant General Manager, Misyon Investment Bank

Board Member, TÖDEB; General Manager, AKÖde

Born in 1977, Erkut Baloğlu graduated from Bogazici University Industrial Engineering. He also holds a master degree on financial engineering and a PhD degree on Banking. Since 2000, he managed technology, operations, project management, customer care, customer experience and process management teams in different financial institutions. He also played an active role in digitalization programs of different banks. Baloglu joined Aktif Bank in 2023.

Innovation Unit Manager, İş Bankası

Onur Kartal is a renowned figure in the field of information technologies, with a career spanning over a decade in the industry. He has played a pivotal role in leading several groundbreaking projects that have set new standards for the sector. Currently serving as the CCO of KOBIL Technologies, Onur is responsible for expanding the company's presence and driving its commercial operations in the EMEA region. With his wealth of experience and expertise in the field, Onur is a sought-after speaker at industry events, where he shares his insights on the latest trends and best practices in the world of financial technologies.

Coordinator, The Banks Association of Turkey

Hayri Turkmen,who started his banking career in 2007 to complete his Certified Public Accountant (SMMM) internship, continued in financial control and accounting, and later under financial institutions.

In 2016, he began working in risk management at Yapı ve Kredi Bankası A.Ş. During 2016-2018, he led the IFRS-9 transition project, successfully transitioning the bank to IFRS-9.

Between 2018 and 2019, he worked as the Director responsible for budgeting, ISEDES, and Expected Credit Loss (ECL) processes at the bank. In the same years, he provided support for projects and pilot applications related to new banking regulations developed by the European Banking Authority (EBA) and the European Central Bank (ECB). Some of these projects include Loan Origination and Monitoring, AnaCredit, BCBS-239, Non-Performing Exposure (NPE), and Group Connected Clients. These projects are still ongoing to ensure compliance with local regulations in Turkey.

In 2019, he started working at Unicredit Spa. in Milan to manage the New Definition of Default - Single Default project, initiated to standardize default definitions used by banks in the EU. During the project, he worked as the project manager responsible for the compliance and development of a total of 7 countries.

Upon completion of the project, he assumed the role of Credit Risk Policies and Governance Manager at Yapı ve Kredi Bankası A.Ş. Hayri Türkmen currently holds this position and provides support for various initiatives related to the application of climate risks and sustainability in the financial sector.

Hayri Türkmen is an expert in several areas, including the EU Taxonomy, International Sustainability and Climate Risk Standards (IFRS-S1 and IFRS-S2), the EU Emissions Trading System (ETS), Carbon Border Adjustment Mechanism (CBAM), Macro Effects of Climate Change, Physical and Transition Risks, Transition Plans, Greenwashing, Green Asset Ratio (YVO-GAR), and sustainable finance and debt instruments. He actively participates in the Sustainability Working Group under the Turkish Banks Association, the National Taxonomy Technical Working Group under the Ministry of Environment, Urbanization and Climate Change, and the Specialized Commission of the National Development Plan.

Director at Human Resources. Recruitment, Organization, Performance and Talent Management, QNB Finansbank

Vice President of Artificial Intelligence and Open Banking Technologies, Akbank

Over 8 years of experience in digital marketing with a focus on mobile marketing for fintech companies and banks. 

     He began his journey as a student at the Ukrainian Academy of Banking in 2001, dreaming of working in an international company in the field of marketing. Twenty-one years later, he turned this dream into a thriving global marketing agency with clients in North Asia and Europe. He conducts consultations on marketing development for fintech companies and participates in leading international fintech conferences.

In 2015, he started his career in digital marketing with various online projects.

Since 2018, he has been part of the digital team of Moneyveo, an online lending company in Ukraine, as a digital marketer. Together with the team, he led the company to market leadership in terms of online product sales. He also contributed much to becoming "The Best Marketing Team in Ukraine in Fintech" based on the evaluations received from advertisers (brands) within the 2019 Effie Awards Ukraine.

In 2019, he completed the Digital Marketing Manager program at the Digital Marketing Institute in Dublin, Ireland.

In 2021, at Moneyveo.ua, he was awarded the "Best Employee 2021. Moneyveo Disrupt" for his contribution to developing innovations in the company and breakthrough ideas in digital marketing and business promotion in Vietnam.

In 2022, he co-founded the international marketing agency Bandera Agency, with headquarters in London, represented in Ukraine, Turkey, and Canada.

The company’s approach is to integrate into the client's business for 6 to 24 months to transform the digital marketing function and turn the client's company into a market leader. The agency’s experience covers such markets as Ukraine, Georgia, Uzbekistan, the Philippines, Vietnam, and Romania.