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Cristina Doros is Regional Manager for the Caucasus region, based in Tbilisi, Georgia. Cristina oversees growth of the electronic payments business in Caucasus region. Since 2016, Cristina joined Visa to lead the regional Core Products team, and has been representing acting Vice-President, Head of Solutions, Visa CISSEE since 2019.

Leveraging her 20+ years of experience in retail banking, information technology, cards and mobile payments, Cristina joined Visa in 2016 to lead the regional Core Products team. Prior to her current role with Visa, she was Deputy CEO and Board Member of a leading Moldovan bank.

Cristina is one of the CISSEE representatives in CEMEA Women’s Leadership Network and key lead of regional diversity initiatives. Cristina holds Master’s Degree in Economics from IEDC-Bled School of Business, Slovenia.

1981 Azerbaijan National Economy Institute named after D.Bunyadzadeh, distinction graduate.

1981 Economist, Shamakhi branch of the USSR State Bank.

1981-1983 Military Service.

1983, June December Economist, Shamakhi branch of the USSR State Bank.

1983, December – 1988 Inspector at Azerbaijan Republic bureau of the USSRState Bank, chief inspector in Supervision Department.

1988–1993 Leading Inspector at Joint Stock Agri-Industrial Commercial Bank, Chief Inspector in Department of Control and Inspection; later Deputy Chairman.

1993, January National Bank of the Republic of Azerbaijan, Head of Banking Supervision Division.

1995, March Director of Banking Supervision Department and Deputy Chairman.

1995, October – 1996, June, Joint Stock Savings Bank, Chairman of the Provisional Management Committee.

1996, June 14 Member of the Management Board in the National Bank of the the Republic of Azerbaijan.

1996, September 24 First-deputy Chairman of the Management Board.

2001, December Member of the Management Board for the second 5-year term by the Order of “Milli Meclis”.

2002 Candidate of economic sciences. Author of seven scientific works and one monograph.

2006, December Member of the Management Board for the third 5-year term by the Order of “Milli Meclis”.

2012, February Member of Management Board for the fourth 5-year term by the Order of “Milli Meclis”.

2012, February awarded with Order for the Service to the Motherland of the 3rd degree for services in development of banking in the Republic of Azerbaijan.

2017, March Member of Management Board for the fifth 5-year term by the Order of Milli Madjlis

Married with two children.

Dr. Ekrem Keskin was born in Aydın, Turkey in 1961. He received his Bachelor Degree in Management from the Technical University of Istanbul in 1983. He gained his Masters Degree in 1987 and his Ph.D. in Economics in 1991 from the Faculty of Economics at the University of Istanbul.

Dr. Keskin joined the University of Istanbul as an academic member in 1984, and worked there as an Associate Professor until 1998. Dr. Ekrem Keskin has became the Secretary General of the Banks Association of Turkey in 1995 and served as an auditor of OYAK between 1999 - 2003. He has been a member of the European Economic and Social Committee since 1999.

Dr. Keskin carries on giving lectures on financial and banking policies at several academies and universities.

He was a Head of Department at the Centre for Strategic Studies under the President of the Republic of Azerbaijan in 2011-2016, expert in the European Union in 2009-2010 and president of “ANS-PRESS” Publishing House from 2005-2007.

He graduated Azerbaijan State Economic University and received his Master degree in Economics in 1997. He received his MA in journalism from the Georgian Institute of Public Affairs (based on the study program of Louisiana State University) in 2004. He received PhD on Economics in 2009, and Doctor of Science on Economics in 2017 in Baku State University. Being a results-driven researcher with strong background in macro-economics, he focuses his studying on the economic development, competitiveness, modernization and geo-economics.

He has hosted and participated in more than 20 academic research projects, published about 500 articles, wrote or co-authored 10 books. Dr.Gasimli's book entitled "Resource-rich countries" was printed by German Academic Publishing House in 2013. Dr.Gasimli laid the foundation of new geo-economic concept in his recent published book in Turkey - "Geo-economics". Dr. Vusal Gasimli got the award of Astana Economic Forum for outstanding research achievements in 2012.

 Prof. Dr. Vusal Gasimli delivered public lectures at prestigious universities such as Washington, California, Hanyang, Milan Catholic, Warsaw, Hankuk, Cairo, Rio de Janeiro etc. He worked as a guest scholar in Korea Institute for International Policy in 2013.

 He is member of the  State Commission has been established pursuant to the Decree of the President of the Republic of Azerbaijan on "Additional measures to improve business climate in the Republic of Azerbaijan and further improve our country's position in international ratings" since 2016. He knows Azerbaijani, English, Russian, Spanish (elementary) and Turkish.

 lham Aliyev, President of Azerbaijan Republic awarded Dr. Vusal Gasimli with the “Taraggi medalı” ("Progress Medal") for improving business environment and position of the country in international rankings.

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.

Mustafa Baltaci is a Co-Founder of KOOPHub, a community enabler of financial innovation programs in Turkey and around. He is also the Chairman of FintechPark, an advisory boutique for financial technology firms in EMEA. He has a wide array of experience in financial services, technology, innovation, investments, startups and strategy development.

Previously, he undertook senior roles with Borsa Istanbul, Federation of Euro-Asian Stock Exchanges, international exchanges, Global Compact Turkey, International Integrated Reporting Council, Ziraat Bank and the World Bank. He has a bachelor’s degree from Ankara University, a master’s degree from University of Pennsylvania.

Guliev Farid Fuad was born in Baku in 1986. He is an economist. He started his professional career in 2007 in the finance industry and from 2012 he held a position in board of directors of different financial organizations.

Since February 2018 he is appointed to the post of Head director of “Azəricard” LLC.

Yevgen Lisnyak is currently the Head of Strategic Partnerships, Fintech & Ventures in CIS & South-East Europe (17 markets). His main areas of responsibilities include identifying, support and development high potential partners for Visa in new robustly growing fintech business environment driving cashless economy.

Yevgen joined Visa in 2017 as a Director of Digital Solutions team. In this role at Visa Yevgen successfully managed and launched implementation of transit and smart city solutions in Ukrainian and CIS cities from the scratch. Now Yevgen works as Senior Director of Strategic Partnerships, Fintech & Ventures leading this function in CISSEE region and concentrates on support of neo banks and all types of disruptive fintech companies and fintech ecosystem development in multiple markets.

Yevgen Lisnyak brings to Visa Strategic Partnerships team over 10 years of international experience in IT and consulting gained with leading international companies.

Mr. Lisnyak holds a Master’s Degree in Applied Physics and Mathematics from Moscow Institute of Physics and Technology (MIPT).

Born in 1981, Murat Kastan graduated from Istanbul University’s Faculty of Business Administration. He started his career in the banking sector as an auditor. After 12 years of auditing experience, in 2016 he had been taking part in Money Transfer Operator Company as both Chief Risk&Compliance Officer and at the same time was also in charge of partner relations in the same company. Due to both his experience in banking and his versatility, he quickly expanded his knowledge, experience and network in the money transfer sector. In 2019, he joined the UPT family as Executive Vice President of International Partnerships. In 2 years, he added many valuable partners to UPT’s network and strengthened the relationship with existing partners. Currently, he is managing more than 100 partners with his team. Last but not least, he recently played a big role in establishing a business relationship between Azerpost and PTT (Turkish Post Office).

Stephane Ulcakar is an Associate Partner of the EY Moscow office. He has 20 years of experience as a consultant with Bain and BCG, and as a banker with Societe Generale and Lombard Odier. He has advised leading CIS banks and has also specialized on digital, including the launch of neobanks and the creation of FinTech ecosystems strategies.

Alexander Ozerov has been employed in the banking IT domain since 2007. He started in the position of a leading IT professional with VTB24, and then progressed all the way to a Department Head with Sber Tech. Over the 14 years of his professional activity Alexander has been involved on the customer side, as well as on the developer side. Alexander Ozerov has gained his key body of experience in the domain of software and information platform development for use by financial institutions, as well as in the management domain.

Projects that Alexander has implemented include an electronic payments system for countries in the South-East Asia region, a low-coding platform for mobile application generation, a machine learning and artificial intelligence-based analytical platform for forex and stock markets.

Today Alexander Ozerov represents Colvir – a British-Russian company specializing in IT solution development for the banking sector, and an industry leader in the CIS countries. The speaker’s expertise encompasses AI&ML technologies, block chain, mobile application development. 

Since 2005, he is the employee of digital banking department of Garanti Bank. He has worked as Special projects and security manager. The said department is responsible for risk managment and identifying strategies, ID management, information protection and security fields. Since September, 2017 he is working as Senior Director of Digital risk and Controls department ad Standart Chartered Bank.

In his previous position he had been supervisor in Internet/Mobil Banking of the same field and was responsible for supervision of the Internet/Mobil Banking projects, products and channels. He graduated from Business Administration and Management in Koç University. He finished Master`s Degree in Istanbul Bilgi University, Information and Technology Law and currently continues his PhD on the same field.

Masuma Talibova has started working at the Center for Analysis of Economic Reforms and Communication in June 2016 .She took an active part in raising awareness of public on economic reforms carried out in the country, as well as in organization and communication of discussions dedicated to preparation of Strategic Road Maps. She was also very active in regional tours organized aimed at raising awareness on economic reforms and Azexport portal. She is the author of research on the innovative financial instruments, investments, technological transfer, and implementation of modern economic trends to Azerbaijan, and also, numerous editions of the "Azerbaijan Economic Reforms Review". At the same time, as a financial expert, she is evaluating the "State Program on Digital Payments Expansion in the Republic of Azerbaijan in 2018-2020."

Prior this job, Masuma Talibova worked in State Committee of Land and Cartography in 2011-2012 years and in State Agency for Public Service and Social Innovations in 2012 – 2015 years. In parallel, she worked as the manager of marketing and sales department in the private companies

She has a bachelor degree in international economic relations from Azerbaijan State Economic University and master degree on International Finance and Monetary Credit Relations at the İnternational Graduate and Doctorate Center of Azerbaijan State Economic University.

Gergely is a Partner in the Budapest Office of McKinsey & Company. He is a leader of Digital/McKinsey in Central-Europe, leading the Advanced Analytics practice. Gergely is a member of McKinsey’s Global Banking Practice, and a Co-Founder of McKinsey’s Global Fintech Research Center.

Since joining the Firm in 2006, Gergely has served clients mainly in banking and insurance industries, across Western and Eastern Europe, Middle East as well as Russia and the CIS countries. He advises clients on digital and analytics transformations, digital business building, sales and marketing, and operational improvements.

Prior to joining McKinsey, Gergely was working as a digital account manager at Kirowski / Isobar – the leading Hungarian online agency – from 2003. His tasks included developing and implementing an online strategy for his clients, such as Nestle, Coca Cola and T-Mobile.

Gergely earned his Master of Science in Business Administration at the Budapest University of Economic Sciences (Budapest Corvinus University) and an MBA from Northwestern University Kellogg School of Management.

Mr. Javanshir Abdullayev graduated from faculty of Finance & Credit of the Azerbaijan State Economic Institute in 1982 with honors. He has 6 months study of strategic management, HR management, risk management and others management issues in 10 leading European banks and businesses.

His career began in 1982 as Credit Specialist in one of branches of USSR State bank and he was promoted up to leading auditor of controlling department of USS State Bank.

After becoming of Azerbaijan as independent country  in 1991 he was the Chairman of Management Board of one of the first private bank “Azinvestbank”. Later he became Chairman of Management Board largest State controlled Agro-Industrial Bank.

In 1992-1993 he was Governor of Central Bank of Azerbaijan.

From the first days of establishment of Azerbaijan Bank Training Centre in 2000 Mr. J. Abdullayev was appointed the Director. In short period of time he could establish the Centre, created highly qualified team and together with his team made Centre fully self sustainable and leading training provider of Azerbaijan.

Since ABTC’s establishment than 100 consulting projects, created close partnership with 10 international institutions which involved Centre in 30 international projects, personally conducted more than 200 trainings on strategic planning, HR management, organization of efficient business processes, risk management, as well as soft skills topics.

Dzhangir Dzhangirov was born on September 21, 1981.

He graduated with distinction from the Faculty of Mechanics and Mathematics of Moscow State University in 2002, and in 2004 he received his master of arts degree in economics with honors from the New Economic School.

Since 2018 Dzhangir has been Chief Risk Officer of Sberbank Group. Before his current role, he served as CRO of Global Markets 2011-2015, and in 2015 he was appointed CRO of Corporate and Investment Business. Dzhangir joined Sberbank in 2008, he began his career in the banking industry in 2004.

He teaches at the Higher School of Economics National Research University and the New Economic School. He is a member of the Board of directors of the New Economic School.

In 2006 Dzhangir passed the Global Association of Risk Professionals exam and became a certified Financial Risk Manager, and in 2007 he received a Chartered Financial Analyst designation from the CFA Institute.

•Simon has well over 20 years consulting experience with Oliver Wyman, working with financial institutions, supervisors and non-profit organisations in the UK and major European markets. Simon is driving Oliver Wyman’s response to climate change in EMEA with a particular focus on helping firms develop climate risk management capabilities. He is also leading the Oliver Wyman Forum’s global Climate & Sustainability initiative which aims to identify tangible actions to change climate intent to action to reduce greenhouse gas emissions by 45% in this decade. Previously Simon was head of the EMEA Finance & Risk practice and was co-founder of Oliver Wyman’s Social Impact practice

•Simon’s financial services consulting experience includes:

-Leading our work for a global bank to design a strategic climate risk scenario analysis operating model and methodologies, as well as agreeing and implementing approaches to meet the likely expectations of Bank of England exercises;

-Helping clients develop and implement comprehensive and coherent approaches to Risk Appetite, including climate risks, and training senior management in preparation for regulatory interactions;

-Developing the medium-term strategy for a leading green bonds accreditor;

-Reviewing and improving Board and risk management effectiveness, including in s166 reviews (in skilled person role);

-Developing best in class solutions to balance stakeholder needs and regulatory expectations related to conduct of business;

–Reviewing and refining risk management frameworks for several G-SIBs and D-SIBs;

–Developing business planning, capital forecasting and stress testing capabilities for the Finance functions of major banks.

•Simon’s socially focussed experience includes:

–Leading our engagement with the WEF to develop the report “Social Innovation: A Guide to Achieving Corporate and Societal Value”;

–Leading a review of the corporate social investment landscape and development of engagement strategy for an investment fund;

–Leading the business and expansion review for the Board of a UK social bank;

–Facilitation of the Expert Advisory Group of FCA’s Financial Advice Market Review – a review aimed at identifying mechanisms to improve the availability of advice to consumers, particularly those without significant wealth or income;

–Personal advisory roles include the strategic advisory board of AskIf (a financial inclusion focussed startup) and trusteeship of the Climate Bonds Initiative.

•Simon holds a BEng (Hons) (Electronic Engineering) from the University of Southampton and a D.Phil (Robotics and statistical estimation techniques) from the University of Oxford.

Sergey Ishkov is a core member of the Financial Institutions practice at BCG. He joined the company in 2012 and works with leading banks and insurance companies in Russia and CIS.

During his career in consulting Sergey worked on a wide range of topics from CEO and shareholders’ agenda, mostly focusing in the following areas:

Improvement of Risk Management practices (incl. end-to-end credit process and NPL management)

Large scale transformations and turnarounds (incl. cost optimizations and post-merger integrations)

Strategy development in retail, corporate, SME and private banking (incl. transactions, cards, mortgage, consumer finance, loans, project finance, leasing)

Digital transformation (incl. Implementation of Agile practices for banks, customer journey transformations and launch of digital products from scratch)

Over the last year Sergey has been actively working in Azerbaijan, helping one of the leading banks to launch a fully online lending product for SME customers as well as supporting a local development institution.

Before joining BCG, Sergey worked as a consultant and a project manager for Oliver Wyman in Moscow and Paris.

Dr. Pavel Shust is Executive Director of the Russian Electronic Money and Remittance Association (REMA); Deputy academic director for the National Competences Center for Distributed Ledgers.

He joined REMA in 2011, after graduating from the School of international relations of the Saint-Petersburg State University and getting hands-on experience at the Ministry of Foreign Affairs of the Russian Federation, Committee of external relations of Saint-Petersburg City Hall and several other institutions. Now his responsibilities include the on-going research of the new payment methods, regulation of the market and latest technological developments.

Pavel participates in a number of advisory institutions for government agencies and the Bank of Russia. He is a regular speaker at specialized events and holds trainings on AML/CFT, payment regulation, financial inclusion and financial innovations for representatives of the private sector and government agencies in Russia, Kazakhstan, Malaysia, Mongolia, and other countries. Pavel is a consultant to the World Bank on the development of financial legislation in Russia, Tajikistan and Kyrgyzstan. He is the author of a number of publications on payment topics. Pavel holds a PhD degree in Political Science.

Professional Experience

Risk Active: CEO / Partner (2003-)

MRM (Market Risk Module) Project Manager

ALM (Asset and Liability Management Module) Project Manager

TRMS ( Treasury and Risk Management System  Banking / Corporate ) Project Manager

Front Office System

Middle Ofiice System

Back Office System

FRS (Fon Rating System) Project Manager

Basel Analytics Solutions  Project Manager

TOFA (Treasury One For All) Project Manager

GMW – Global Market Watch/Early Warning System

Risk Management, Derivatives, Hedging, Financial Engineering, Quantitative Finance, Statistic and Financial Econometry R&D Studies

Numerous Project Experiences in 16 Countries and Turkey

Trainings, Consultings and Project Studies Associated with Numerous Financial, Real Sector Institutions and Organizations

Official Instructor of The Banks Association of Turkey, Bankacademia, The Association of Capital Market Intermediary Institutions of Turkey, The Institute of Internal Auditing – Turkey and FIT

Soft Active:Partner (2003-)

RFVC: Partner (2003-)

Oyakbank (ING), Bank Kapital, Abank, The Coca Cola Company (1995-2003)

Risk Management; Treasury; Financial Control and Budget Planning Departments

Educational Background and Academic Experience

Education

Yeditepe University-Financial Economics-Phd

İstanbul Technical University Management Faculty – M.A.

İstanbul Technical University Management Engineering - B.S.

Numerous Foreign Educations and Workshop Studies

3 Major Capital Markets Board of Turkey Licenses

Academic Studies and Publications

National and International Proclamations over 30 and 20 Internationally Published Articles Take Parts in Literature: Regarding Risk Management, Financial Engineering, Derivatives and Investment Funds.

The First and Only “Risk Management” Book in Turkey with Applied CD-ROM Trainings, which in use as a Main Course Book at the Graduate and Doctoral Levels in 15 Universities. Third Edition: March 2009.

Derivatives and Risk Management Dictionary, First Edition: January 2009.

Derivative Markets and Structured Products from Financial Engineering and Risk Management Perspectives, First Edition: April 2012.

Teaching Undergraduate, Graduate and Doctorate Degree Courses in Various Universities.

Cem is the Credit and Market Risks Manager in Ziraat Bank. He has BS degree from Middle East Technical University and MA degree from Atilim University. Graduated from Ziraat Banking School, he started his professional career at Treasury Department of Ziraat Bank as a fixed income dealer and worked for 5 years. After that, he experienced at Loan Policies and at Risk Management Departments of different banks for 16 years.

Now, Cem manages the credit risk, market risk and validation divisons in Ziraat. He successfully completed the projects for IRB and IFRS-9 risk models. Currently, his main responsibilities are;

• Managing the ICAAP and stress testing process
• Calculating the legal capital requirements for credit, counterparty credit, and market risks
• Measuring the credit and market risk weighted assets with IRB and VaR
• Preparing the quantitative impact studies for Basel 4 and fundamental review of trading book concepts
• Establishing the validation structure for risk, income estimation, early warning and pricing models
• Optimizing the consolidated risk management process of Ziraat Finance Group.

Cem holds Financial Risk Manager designation given by Global Association of Risk Professionals and has several professional licences by Capital Markets Board of Turkey.

Mr. Ramil Mahmudov is a Chief of the National payment system development division at Central Bank of Azerbaijan Republic. He is responsible for development of cashless payments in Azerbaijan. He is an experienced professional in payment systems, electronic banking, mobile banking, card business, e-money, e-payments and retail banking. As an co-author of several regulations and recommendations for banks and other stakeholders, he also familiar with regulations, recommendations and experience of ECB, EU, CIS, BIS about payments systems ecosystem and payment instruments and also with risk management, fraud management, chargeback procedures of Visa and Master Card.

Mr. Mahmudov holds Master’s degree in Banking and Finance from Luxembourg School of Finance, University of Luxembourg and Master’s degree in Finance from Azerbaijan State Economic University. He received Certificate on “Management Development Program” from Azerbaijan Diplomatic Academy in 2014 and Executive education Certificate from New York University Stern School of Business in 2015. He received a numerous training certificates in the field of cashless payments and management in Europe and Asia.

ConcordBank became the first non-state bank in Ukraine to start accepting payments via Apple Pay and Google Pay.

She initiated the creation of an independent processing center ProCard, IT-company MustPay, and also became a co-founder of the DobroDiy digital charity exchange.

In 2020, she founded the first open fintech ecosystem in Ukraine, Concord Fintech Solutions, on the basis of which market participants create their fintech projects. The ecosystem infrastructure was formed by ConcordBank, an independent processing center ProCard, payment service ConcordPay, IT company MustPay, billing system MassPay, which provide technological solutions for the market, as well as a number of in-depth expertise of teams.

Dr. Viktor Dostov is a President of the Russian Electronic Money and Remittance Association (REMA), the industrial body representing major e-payments and fund transfer companies in Russia. As one of the leading experts in Russian retail payments sector, Dr. Dostov is heading REMA since its inception.

Since 2018 Viktor is an academic director for the National Competences Center for Distributed Ledgers, he conducted seminars on distributed ledger technologies for regulators in a number of jurisdictions, including Russia, Belarus and few others.

Dr. Dostov participates in the workings of core national consultative and expert bodies on retail finance, including under the aegis of the Russian Central Bank, Monitoring Service of the Russian Federation (Rosfinmonitoring), Russian Parliament, the Ministry of Finance, CGAP, FATF, Eurasian Group on AML/CFT, AFI.

Victor is a regular speaker at international conferences on electronic money, retail payments and financial inclusion, the author of analytical publications on regulation, management and future of payment industry.

Sergey Doshchenko is the Strategic Advisor to the CEO of Flexsoft. Sergey has more than 25 years of experience in researching and applying mature and innovative information technologies to launching new businesses and improving the efficiency of major international and Russian companies in many industries.

As an Executive partner of Gartner Russia, Sergey was responsible for the strategic advisory service for the portfolio of more than 25 companies in the financial services, transportation, telecommunications sectors as well as retail, including e-com.

Before joining Gartner as a consulting director, executive advisor and research analyst in 2014, participated in many technology businesses in retail payments, software and business services based on commercial open and managed IT services business model.

Sergey grew as IT professional from a developer in Andersen Consulting working on big systems implementation projects in UK and major consulting projects of Accenture in Russia in Financial Services, Oil & Gas and FMCG.

In 2000, he was one of the Qulix Systems Co-Founders, launching the business with three of his friends, who continuously work at the top management positions until the present moment.

Alexander has more than 20 years of expertise in software development and QA with an MBA in Marketing and Management, He started as a QA manager and then switched his focus on the area of business development, sales and marketing in IT.

He is an expert in software implementation for banks and financial organizations based on the proprietary Digital Banking platform - StandFore FS. In addition to StandFore FS, Alexander launched other umbrella brands: QulixQA and Quandex.

Alexander Arabey is a long-time representative of Qulix Systems and a speaker at international industry events: conferences, meetups, exhibitions, and seminars. He is always open to new business opportunities, sharing expertise and exchanging useful industry insights. His hobbies include sports, traveling, and family time.

For over 15 years entrenched in the Real Estate and Investments Industry , Tasos Stavrou has gained solid experience in the real estate industry through the high level demanding positions and roles he has maintained. Based in Cyprus and abroad, Tasos is the Group Sales and Overseas Operations General Manager of Aristo Developers – Cyprus’ most reputable and pioneering property and construction developer. In his professional business capacity, Tasos has motivated teams of individuals to achieve both common and personal goals and strategies. His strength in building strong and dedicated operations within the workforce has led to astonishing and innovative results which have contributed expanding Group’s horizon’s in the global arena.

Further to his key-position at Aristo Developers, Tasos Stavrou is also an International Board Member of FIABCI and has served as FIABCI Young Members World President. He is also a recipient of a FIABCI award for his performance in the real estate sector. Tasos has also served as an appointed representative of Cyprus in China on behalf of The Cyprus Chamber of Commerce and Industries in Europe – China Chamber of Commerce.

Farid Osmanov is Chief Information Officer at the Central Bank of the Republic of Azerbaijan. Mr. Osmanov has about 15 years of experience in information technologies, implementing a number of customer centric services in banking sector.

During his professional career, Mr. Osmanov focused on both adoption of information systems, covering ever-changing business needs and business process optimization to improve the effectiveness and efficiency of business process management.

Mr. Osmanov is currently project director of the first Blockchain-based platform in Azerbaijan, aiming to implement Digital Identity System in order to develop trusted, secured and transparent banking services for customers.

Mr. Osmanov holds Master of Science degree from the University of Manchester, and certified as an ITIL expert, Prince 2 and ISO27001.

Mr. Osmanov has a daughter.

Over 10 years of experience in information technologies, from software development to managing IT projects in the financial sector.

Project manager of the Blockchain-based platform in Azerbaijan, aiming to implement Digital Identification System in order to develop trusted, secured and transparent banking services for individuals and legal entities. Responsible for developing a strategy for introducing innovative solutions in the financial sector and plan to introduce new initiatives.

Viktor Chumakov, Director of the Department of technology consulting and development of IBM Eastern Europe Asia.

The department under the direction of Victor, implements innovative projects from the creation of ideas till the realization of systems into productive operation for large companies and government organizations using the latest technologies that ensure high productivity, safety and reliability.

Currently, we are working on projects for the application of distributed registry technology-blockchain, based on the open source software Heperledger Fabric. The IBM team is working on a blockchain-based Digital Identity system for the Central Bank of the Republic of Azerbaijan. A unique development of the digital platform is in process for creation and managing universal Digital Assets is in process. The project of the logistics solution “Caspian silk road” is at the design stage, taking into account the experience of IBM gained in the implementation of technology of blockchain in logistics.

Dmitry Barinov, Chief Technology Officer of SecureKey, is a recognized industry leader with 25 years of experience in Information Technology and Security. He heads an industry leading team responsible for design and implementation of SecureKey’s federated authentication and Digital ID solutions, supporting various projects in public and private industries across the globe with tens of millions of customers. As part of his activities Dmitry leads various initiatives at industry and standards bodies such as DIACC and W3C.

Prior to SecureKey, Dmitry has held a number of progressively senior roles at Top 5 Canadian Bank, where, as a Technology Head, he has led and delivered numerous transformational and innovative payment, security, identity and risk solutions. Dmitry contributed to work of Canadian Bankers Association’s Incident Response Team (CFI-CIRT).

Dmitry holds Master degrees in computer science and in Economics. He is a Certified Information Security Manager (CISM) and Certified in Risk and Information Systems Control (CRISC) professional. Dmitry has a number of industry related patents in his name.

FinTech Association, Chief Information Officer in DLT

Otto Williams heads Strategic Partnerships, Fintechs and Ventures for Visa's Central and Eastern Europe, Middle East and Africa (CEMEA) region. His focus is in identifying, structuring and commercializing compelling payments experiences and opportunities with Fintechs and strategic partners to extend the reach of Visa’s payment network for consumers, merchants and banks throughout the CEMEA region.

Prior to his current role, Otto oversaw Visa’s partnerships with multinational eCommerce brands, technology platforms and device providers that include Samsung, Apple, Google, Microsoft, Mozilla, Pinterest, eBay, Fitbit, Garmin, amongst others. He and his team launched global programs including Google Pay, Samsung Pay, Apple Pay, Fitbit Pay and Garmin Pay with Visa Tokenization, the Visa Ready Partner Program and Visa Checkout Open Platform.

Prior to joining Visa, Otto worked as a software engineer in various verticals, and then joined Cowen and Company as an investment banker where he covered technology, internet and media companies.

Otto holds an undergraduate degree in Computer Engineering, and an MBA from the University of California Berkeley.

Senior executive with over 20+ years of experience in Telecoms and FMCG companies across Central & Eastern Europe and CIS countries with proven track record in strong sales, marketing, customer service, P&L and organizational management. Experienced in B2C and B2B mobile and fix line voice and BB, VAS and TV content marketing, sales & channel development.

TELECOM INDUSTRY                                                                                                                           

Azercell (www.azercell.com) - 2019 - current

IoT Solutions (www.iotsolutions.eu)  - 2016 - 2018

Blizoo Media & Broadband EAD (www.blizoo.bg) - 2014 - 2015               

Bakcell (www.bakcell.com) - 2009 - 2012                           

Bulgarian Telecommunications Company (www.vivacom.bg) - 2005 - 2008

FAST MOVING CONSUMER GOODS

Kraft Foods Bulgaria (eu.mondelezinternational.com) - 2004

Procter & Gamble (www.us.pg.com)- 1994 - 2004

Education

Moscow State Institute of International Relations - Moscow, Russia

International Economic Relations (MBA) - 1987–1992

Samir Nasibov - General Director of the E-PUL payment system. Mr. Nasibov has about 14 years of experience in the payment systems industry, implementing a number of client-oriented services in the banking sector.

During his professional career, Mr. Nasibov has focused both on the implementation of innovative services that meet the ever-changing needs of the business, and on the optimization of business processes to improve the efficiency and effectiveness of business process management.

Mr. Nasibov holds a bachelor's and master's degree in Automation of Control Systems from the Georgian Technical University

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 and BirKart installment credit card, including end-to-end management of products, sales activities, 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).

Nargiz is a Digital Platform and Content business expert with a proven track record of helping brands build strong Content service portfolio, Financial Services and Platform business. Most recently, she lead digital transformation of Azercell Telecom (Azerbaijan’s leader Telecommunications Operator with 5M customers base) for Consumer segment that increased regarding service revenues by 180% and established annual 10M$ brand new revenue stream via digital platforms. She can tell you how to maximize platform revenues for content and financial services by developing and optimizing experiences that drive more conversions. 

Shafique Ibrahim, an influential leader with 20 years of industry experience, spearheading advancements in Fintech and payments with expertise in payment solutions, cross-border remittances, mobile payments, blockchain, and digital transformation. He has worked with several Banks and Financial institutes globally, partnered with Fintech and Startups to enable digital payment services. He spearheads digital transformation and is responsible for the overall IT Operations at Al Fardan Group, a renowned family business in the Gulf region. A thought-leader and subject-matter expert, delivering IT projects combined with natural business acumen to provide leadership on critical growth initiatives within the payment industry. Shafique holds a master's degree in Information Technology. A member, advisor, and speaker on the innovations in digital payments and financial technology. He has received CIO awards at several forums and recognized as 50 Most Influential Payment Professional.

At the end of February 2018 John Noble retired from being the Director of Incident Management at the National Cyber Security Centre (NCSC). During his 40 years of Government service, John specialised in operational delivery and strategic business change. For his work in creating effective partnerships in the run up to the London Olympics, he was made a Commander of the British Empire (CBE) in 2012.

John helped to establish the NCSC and led the response to nearly 800 significant cyber incidents. This work has given him unrivalled experience in dealing with and understanding the causes of cyber incidents.

As a non-executive director at NHS Digital, John chairs the Information Assurance and Cyber Security Committee. He holds a number of advisory and non-executive director roles. He is also a senior cyber advisor at McKinsey, advising Company Boards and speaking at major industry events.

Larisa Makarova leads the Risk Services function in CIS and South East Europe and is based in Kiev. Her responsibilities include developing and implementing Region Risk Plans, establishing and managing relations with clients, government, regulatory bodies and industry stakeholders within the respective markets, as well as providing guidance to Visa clients experiencing high levels of fraud and conducting fraud forums, educational risk sessions for clients and law enforcement. Since 2004, Larisa participates as a speaker in different international conferences and forums, covering the topics of risk management and payment security.

Preceding present position in Visa, Larisa worked as Data Security and Fraud Control Manager. Prior to joining Visa, Larisa served as Vice-Head of Risk Management in Ukrainian Interbank Payment Systems Member Association “EMA”. Before that, she held different positions in largest Ukrainian bank and Processing Centre.

Larisa Makarova graduated from Banking and Finances Department at Institute of Business and Finances as an economist-financier. She also has a University degree in Romanic-Germanic Philology.

Moscow State University named by M.V. Lomonosov (MSU) – specialized in applied mathematics

Several professional management and IT trainings provided by IBM, MIS Training Institute, ISACA

CISA, CISM, CGEIT,CDPSE, COBIT 5, COBIT 2019 certifications

Andrey  joined KPMG in 1996. Before KPMG he worked for other BIG4 company and Academy of National Economy. He is a  First vice president of ISACA Moscow Chapter. His more than 35 year overall IT experience includes:

IT-strategy development

Quality assurance of ERP system implementation

Analysis of IT control environment within the scope of investment, financial audit, compliance and SOX projects

IT and Information security policies development

Teaching on IT Governance (Accredited Trainer for CISA, CISM, CGEIT, COBIT)

The most notable projects:

ERP SAP R/3 system quality assurance implementation for a large energy holding

COBIT IT Processes assessment for large banks in CIS

IT Due Diligence within M&A and IPO projects in financial and oil&gas sectors

ISO 27001 analysis and implementation for large companies in CIS in financial and oil&gas sectors

Participation in official translations of COBIT and PCI DSS

Involvement in IT and Information security normative documentation development

IT-strategy for one of the largest commercial banks of Russia (top 5)

ISAE 3402 service organizations report preparation for financial institutes

IT Governance training delivery for various  organizations (including National banks) in CIS countries

KPMG, Head of Cyber Security and Digital Forensics, KPMG Russia and the CIS

VEBTECH, Real Haker

Andrei Aleikin is the Head of Digital Solutions in CISSEE and leads digital agenda for the 17 markets of CISSEE. His main areas of focus are: Contactless payments and Transit, Mobile Contactless payments (NFC), Mobile wallets and Mobile Money solutions, Authentication for eCommerce (VbV) and Visa money transfer services (Visa Personal Payments), Visa Token Service and Pay solutions.

Andrei joined Visa in 2005 as a member of Chip and Innovation team. During his 12 years at Visa Andrei successfully managed region-wide implementation of acquiring chip and CCD chip mandates, launched innovation solutions like Kiev Citizen Card program, the first in the markets Visa payWave programs, dynamic VbV, VPP and mobile payment implementations, tokenization, and Pays, eg Apple Pay, Google Pay, Garmin Pay and Samsung Pay in multiple markets.

Andrei Aleikin brings to Visa Innovation team over 15 years of experience in IT and financial systems consulting gained with PWC and KPMG.

Andrei holds a Master’s Degree in IT Systems architecture and Design from National Technical University of Ukraine «Kyiv Polytechnic Institute».

Ana is the Global Head of Delivery for the Visa Global Urban Mobility team, based in London.

As Global Head of Delivery, Ana and her team are responsible for working with the regional Urban Mobility teams across Visa, collaborating with transport authorities, operators, governments, technology companies and financial institutions to leverage payment technologies in the Urban Mobility Space and enable economies to thrive.

Starting her career as a strategic management advisor, Ana has spent the past twelve years focused on digital transformation within the payment industry. Ana is known for challenging the status quo, driving efficiencies and placing the customer first.

Ana has a degree in Production Engineering and a Masters in Business Management. During this time Ana has lived, studied and worked in Venezuela, Spain, the UK and the US.

Mr. A. Abbasov was appointed Deputy Director of the Retail Banking Department at the International Bank of Azerbaijan in 2019.
More than 10 years of experience in Payment systems.

Graduated from the Baku Engineering University with a bachelor degree in Finance and Credit and Azerbaijan State Economic University with a master degree in Finance and Credit.

Mr. Abbasov was born in 1989.

Vadim Smotryaev joined IBA in November, 2006 as a team leader. In July, 2013, he was appointed as Director of Technical Division. In this capacity, he develops and oversees the implementation of the division’s strategy, as well as manages the day-to-day operations of the Technical Division. He earned a M.S. degree in mathematics and computer science from the Belarusian State University in 2002 and graduated from the postgraduate course at the United Institute of Informatics Problems of the National Academy of Sciences of Belarus in 2005. Vadim has more than fifteen years of experience in the design and building of complex banking systems. His expert knowledge in IT for the banking industry, and payment and contactless technologies is confirmed by international certificates.  His is a products owner of payments and fare collection solutions at IBA Group.

Born 1979 in Baku.

Graduated from State University of Economics, Faculty of Finance and Credit in 2000

2001-2002 Economist of the Ministry of Finance of Azerbaijan Republic

2002-2004 – Leading accountant at Kapital Bank.

2004-2006- Project Manager at Quadrium Moscow

RBC Consulting - Owner and Director Mr. Rahimov has more than 16 years of experience in the consulting field. Specifies customer and partners relationship policies. Responsible for sales and bringing new integrated solutions to market.

Pavel Skit is the Transit Solutions Manager in CISSEE and responsible for the development of Urban Mobility model and acceptance in public and private transport. Ideologist of the Mobility as a Service concept.

His main areas of focus are: Contactless payments and Transit, Mobile Contactless payments (NFC), Mass Transit Transactions.

Pavel joined Visa in 2019 as a member of Digital Solutions team. During his almost 1 year at Visa Pavel successfully launched several transit projects in Ukraine, Belarus and Azerbaijan. Pavel implemented the first launch in the world of Tap2Phone solution on transport that covers all the municipal vehicles in one of the cities of Belarus.

Pavel Skit brings to Visa his more than 15 years’ experience in banking, IT and production areas.

Pavel holds a Master’s Degree in finance from Banking University in Ukraine.

Turgai Shikhlinski has been recently appointed as Head of Marketing and Business Development at Azerbaijan Railways (ADY).  He is responsible for driving brand recognition, reputation, developing customer-centric initiatives and powering growth in passenger transportation and freight. His goal is to help make high-quality railway services a reality across the country.

Turgai’s main areas of focus are: Product Development, Customer Engagement and Experience Improvement, Digitization and Modernization of Services, evangelizing the railway as the safest and the most eco-friendly way of transport.

Turgai Shikhlinski brings with him more than 18 years of international cross-discipline experience in marketing, business development, management consulting, finance and entrepreneurship.

Turgai holds an MBA Degree from London Business School in United Kingdom and a Master’s Degree in Economic Cybernetics from the Azerbaijan State Economic University.

Timur Drokin is the Project Management department director of “Azericard” TPP and responsible for implementation of new payment technologies into Electronic payment industry of the Banks – customers of the processing center.

He is involved in almost all new implementations and technological innovations in the Electronic Payments for the customer Banks.

Timur joined “Azericard”  in 2017. During this period Timur with his teammates launched several important projects in Azerbaijan, such as first VTS project with The International Bank of Azerbaijan.

Timur Drokin has about 13 years’ experience in banking and electronic payments.

Tural started his legal career at the Central Bank as a legal counsel. Tural then worked at Financial Market Supervisory Authority (FIMSA) between April, 2016 and December, 2019 in different positions starting from legal counsel to head of unit. He now works at the Central Bank as a Deputy Director of the Legal Department – Head of Financial Markets Legal Support Division.

Tural has been actively involved in projects related to secured transactions, credit bureau, banking resolution etc. In November 2018, he was awarded with “Progress Medal” (Tərəqqi Medalı) for his services in improvement of the business environment in the country by the Decree of the President of the Republic of Azerbaijan.

Tural holds a Bachelor degree in Law from the Academy of Public Administration under the President of the Republic of Azerbaijan, and a Master degree in International Business Law from University of Toulouse (France).

Shane Riedel is the Co-founder and CEO of Elucidate. Prior to Elucidate’s foundation in 2018, Shane was the Head of Financial Crime Compliance for Financial Institutions and Correspondent Banking at Standard Chartered Bank.

He started his career in Finance with Goldman Sachs. Prior to his career in Finance, Shane was a diplomat with the United Nations Office on Drugs and Crime.

Afgan Bahishov graduated from Baku State University “Law” faculty with distinction diploma, and master degree in “Constitutional Law” with distinction Diploma of the same university. He possess Master degree in “Corporate Governance Law” from the University of Manchester via Chevening scholarship program.

He worked as Deputy director of Legal department in Central Bank of Azerbaijan, Head of Legal, Information and Human resources department in the Agency of the Ministry of Education, Member of executive Board/ Head of Legal and Enforcement department, Head of Attestation Committee, Head of Board of Appeal in Financial Markets Supervisory Authority.

He is doing his PhD at the Azerbaijan Academy of the National Sciences and member of the Bar Association of the Republic  of Azerbaijan.

Afgan Bahishov started his activity in AccessBank in November 2019 as Executive Director on Legal and Compliance.

He speaks Azerbaijani, Russian and English languages.

Khayaladdin Tagiyev studied bachelor degree during 2002-2006 at the Academy of Public Administration under the President of the Republic of Azerbaijan, master degree during 2007-2009 at Azerbaijan State University of Economics. He holds PhD in econometrics and economic statistics since 2018.

Khayaladdin Tagiyev is a senior specialist at the division of Development of the National Payment System of the department of Payment Systems and Settlements at the Central Bank of the Republic of Azerbaijan. He worked as a leading specialist in 2008-2015 at the same division. Since 2014 he’s been teaching Business Statistics and Financial Risk Management on MBA program at Azerbaijan State University of Economics. He is a part-time senior researcher at the Institute for Scientific Research on Economic Reforms under the Ministry of Economy since 2019.

Khayaladdin Tagiyev has more than 10 domestic and international scientific articles on payment systems. He is the author of two books on digital payments and electronic banking services that are taught at schools and universities. Also, he has participated on some international seminars and forums on payment systems and settlements.

Alexey Murashko is an entrepreneur with over twenty years of experience in building and managing car leasing and banking business.

• Founded and developed an industry-leading car leasing company;

• Managed non-core assets of JSC VTB-Bank of Moscow;

• Proved himself as a successful anti-crisis manager: restored the activities of a large manufacturing enterprise (it helped save 300+ jobs).

«Mykola Chumak is the leading Ukrainian retail and customer experience influencer, founder of IDNT Company, which more than 15 years specializes in development and implementation of retail store formats for retailers, banks and service companies in CIS countries, CEE and USA. During 15 years IDNT worked with more than 200 banks, retail chains, stores, such as Credit Agricole Bank, BNP Paribas, Raiffeisen Bank Aval, Alfa Bank, Metro Cash & Carry, TOYOTA, Amway, Samsung, Nova Poshta, Watsons, Beeline, Rozetka etc.

Mykola is an author of the first book in CIS about bank branches “Bank branch: design, rebranding, POS-marketing”, co-author of the first Russian almanac on Private Banking, editor of the Russian edition of the Brett King’s bestseller “Bank 3.0”, Mykola is an active speaker in the conferences across the world – Singapore, Rome, Prague and a member of an innovators society Next Money (Singapore) etc. As a speaker he participated in such banking and retail conferences: Next Bank, Adam Smith Banking Forum, Forbes Conferences, FinBranch, Finnext, Terrapinn Private Banking Asia etc.

Topics:

- Custiomer Experience (Retail, Retail Banking, Affluent Banking, Private Banking).

- Retail Strategies.

- Innovation in financial services.

- Trends in Retail Design and Retail Formats.»

USABILITYLAB is the largest usability company in Russia with a modern usability laboratory was founded in 2006. Since 2014 USABILITYLAB has been researching UX/CX and accessibility of banking apps and websites.

Dmitry Satin is one of the most famous and experienced usability specialists and UX/CX consultants in Russia and the CIS, an author of educational courses, lectures and a reviewer of international UX conferences. Also he is the author of the book "Consumer Psychology: Who, What and How Buys Online."

Mr Satin served as an adviser to the Minister of Communications and Mass Communications of Russian Federation. He had a fundamental impact on the development of the Russian usability market and its integration with the markets of other countries.

Data Insight partner, Vice-President and IAB Russia industrial education Committee co-сhair, entrepreneur, Russian Internet analyst and researcher. Teacher of own refresher courses «Internet project Manager» and «Internet marketing Manager». Book author «Internet marketing: a complete collection of practical tools».

Core competencies:

Internet audience analysis;

Internet Marketing analysis; 

Internet user’s behavior; 

Online advertising.

Education:

2009 MBA: IEF «Synergy» specialty: Strategic management;

2005 Specialist degree: Moscow State University of printing, specialization «Printing production technology»

2003 Specialist degree: Moscow state pedagogical University, specialization «Sociology»