FINTEX SUMMIT: Finance and Technology Summit

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.

1977 Was born in Baku city.

1993 – 1999 After finishing school No.167 in Yasamal district, Baku city, in 1993, entered Azerbaijan State Institute of Economics. In 1997, graduated from the institute, and in 1999 received Master’s degree from the said institute.

2005 – 2015 Worked at Heydar Aliyev Foundation in 2005-2015.

2014 Awarded Tereggi (Progress) Medal in 2014, by order of the President of the Republic of Azerbaijan for his active participation in preserving and popularizing the nationwide leader Heydar Aliyev’s heritage.

2015 Appointed First Deputy Minister of Communications and High Technologies by order of the President of the Republic of Azerbaijan dated November 25, 2015.

2016 He was appointed Minister of Communications and High Technologies of the Republic of Azerbaijan by order of President of the Republic of Azerbaijan dated January 15, 2016.

2017 Appointed Minister of Transport, Communications and High Technologies of the Republic of Azerbaijan by order of President of the Republic of Azerbaijan dated February 13, 2017.

Fluent in Russian and English languages.

He started his professional career at Sumgait State Tax Inspection, and then worked in different positions in the banking sector. He became Chairman of the Supervisory Board of “Caspian Development Bank” in 2015.

In March 2016, he has been appointed as Chief Executive Officer of Financial Market Supervisory Authority of the Republic of Azerbaijan (FIMSA) by the Presidential Decree.

Since the Presidential Decree, dated October 04, 2018, Mr. Ibrahim Alishov is the Acting Chairman of the Executive Board of FIMSA.

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.

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.

Wim Mijs (1964) was appointed Chief Executive of the European Banking Federation in  September 2014. 

Between 2007 and 2014 Wim served as CEO of the Dutch banking association NVB. During this time he transformed the NVB into a modern industry association, positioning it as the key representative of the banking sector in the midst of the financial crisis.

Wim studied law at the University of Leiden in the Netherlands, specialising in European and International law. After his studies he worked for one year at the International Court of Arbitration at the Peace Palace in The Hague. In 1993 he joined ABN AMRO in Amsterdam before moving to Brussels to head up the bank’s EU liaison office. Wim moved back to The Hague in 2002 where he became the Head of Government Affairs for ABN AMRO.

Between 2011 and 2015 Wim served as Chairman of the International Banking Federation. From 2012 to 2014 he was Chairman of the Executive Committee of the EBF. From 2013 to 2015 he was President of the Board of Euribor, now known as the European Money Market Institute.

Wim is married and has two children.

Cristina Doros is acting Vice President, Head of Solutions in CISSEE, based in Kyiv, Ukraine. Besides core products: Debit, Credit and Premium, Cristina is also managing Loyalty platform development, Digital Solutions and Push Payments that all together are foundational for further proliferation of electronic payments.

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 a Master’s Degree in Economics from IEDC-Bled School of Business, Slovenia. 

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.

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).

Prof. Dr. Hiro Takahashi holds Doctorate of Philosophy (PhD) from the Tokyo Institute of Technology. His PhD research is based on Autonomous Decentralized distributed system architecture with multiple nodes having either only L3 cache or both L3 and L4 cache. L3 cache is based on RAMDISK idea and L4 is another layer using caching in memory chip inside HDD. He had experience working with Intel Japan and United States in supercomputer domain. From 1990, he participated the research team of “Radial Super computer system bus architecture” and he invented its control process to achieve 800MHz at that era.

Additionally he had experience of making different associations in Japan and abroad. 3D graphics library consortium was "Open GL Japan" to promote "Red book and Blue book" as standard graphics library textbook with Mr. Maison Lue. Dr. Hiro Takahashi has been effectively working with researchers and technology companies for many years. From 1990 to 2010, he was staying at Portland Oregon and San Jose California in USA.

DTS, Inc. that stands for Data Transmission System, was established in 1996 by Dr. Hiro Takahashi. DTS has patents of various technologies and his research for making the architecture of the computer more efficient has been published in various international conferences and reputable journals. DTS products and solutions cover caching techniques, customer relationship management, business intelligence, security solutions and Semantic computing domains. Dr. Hiro Takahashi developed Ontology based Web Application Firewall in 2010 which at that time was a unique product in the security domain. Currently Dr. Hiro Takahashi is leading a system for automatic categorization of web data using Ontology technology. In recent years, he has been advocating the fusion of art theory with human and information systems. His research attempts to incorporate the relationship between the brain and information systems has been published in ISADS 2012.

Dr. Hiro Takahashi also contributes towards e  nergy industry and agriculture system development in Asian counties nowadays. He established DTS Inc at 1996 and opened local company in 2007 in Karachi. Dr,Hiro Takahashi has been investing to Pakistan since 2001 over 10M USD.

At energy sector, he design Magnesium battery implementation design and its control technology (RAIC) and he innovated patent pending technology ADETS (Autonomous Decentralized Energy Transmission System) for natural energy generation unit such as solar panel, Wind power and primary battery as Magnesium battery to facilitate into Smart Grid energy power environment.

Dr. Hiro Takahashi established Tokyo Multimedia at Karachi Pakistan to educate young Pakistani engineers and designers. Dr. Hiro Takahashi has been appointed as Honorary Investment Counselor for Board of Investment, Prime Minister Secretariat of Pakistan since October 2012 for developing import/export industrial business relationships between Pakistan and Japan. Some of his projects in Pakistan are water filter unit, Magnesium battery factory in Panjab area (energy sector), Halaal food promotion and Textile export arrangement. From 29th May 2014, Nippon Halaal Foundation was established in Tokyo. This organization are managed by Dr.Hiro Takahashi and Mr.Naeem Khan as CEO of Halaal Foundation in Pakistan. Nippon Hallal Foundation provides education of Halaal and Haram/Najis definition and promote the understanding Shariah’s law in Japanese people. Nippon Halaal Foundation gives the halaal certification process lecture and provides halaal certification in Japan.

At education sector, Dr. Hiro Takahashi is also appointed as a Visiting Professor in NUST SEECS for computer science 2012 at MOT (management of technology) and Visiting Professor at Jinnah University of Women from JAN 2014 at Computer Science department. From 2015, Dr.Takahashi was appointed Prof. / Director of ORIC at Greenwich University.                          

Born in Nagasaki Prefecture, Japan. Started e-commerce business in 2012. Started the investment, research and business development in cryptocurrency triggered by the introduction of bitcoin payment to its own EC site in 2016. In 2018, CBASE FINTECH LAB LLC (now CROSS LLC), which manages the CROSS project, was established in Azerbaijan. In November of the same year, it established CROSS exchange, Azerbaijan's first cryptocurrency exchange. Currently a global team is formed and operated in Azerbaijan, Turkey, Japan, Korea and Hong Kong.

Born in Ohio, USA and raised in Japan and the States. After graduating from the University of Washington in 2008, he began his career as a US CPA working at a major companies including Ernst & Young and Deloitte. Eventually specialized in becoming a tax specialist for high net worth individuals. Discovers Bitcoin in 2013; invests soon after conducting research. Participated in various ICOs in 2017 while supporting them through consultation. He currently is positioned as a General Manager with the CROSS project and is in charge of IEO listings and affairs involving anything involving the English language.

Kostas Noreika (1978) is a finance expert with more than 20 years of business experience. He is one of the founders and a shareholder of the successful payment system, Paysera. Kostas is a leader, interested in innovation and technology, always striving to improve and expand.

Kostas started his career in 1999 as one of shareholders of a small website development company. In 2002, he created a content management system (CMS), which used to be in demand among major government institutions.

In 2004, Kostas set-up another enterprise, offering business clients text messaging services. It was the beginning of something great, which proved to be successful. At that time, the e-commerce market was expanding. After few years, in 2006, reacting to the market’s demand, Kostas created a payment system for accepting electronic payments. That was the start of Paysera.

In 2011, Paysera, with a team of approximately 30 people, was granted a payment institution licence, and a year after, had acquire the first e-money licence in Lithuania. The company has started to grow rapidly.

Currently, Kostas has more than 150 employees and a company, which provides services to almost 400.000 clients in 150 countries of the world and is constantly conquering new markets.

Has been working for CFT since 2005. In CFT, he began his career as a sales manager for Banking Systems.

Currently, he holds the position of the head of the Client Acquisition Department, is responsible for the work of the potential clients division in the financial and insurance markets of Russia and the CIS countries.

Pavel has more than 15 years of experience in information security. He contributed to the development of one of the most advanced Russian VPN solutions at Cisco Microsystem. Later Pavel was appointed CISO at Swedbank Russia. Since 2013, Pavel has been working at Group-IB as Head of Online Fraud Prevention.

He is a regular speaker at major international conferences, including Threat Intelligence Incident Response Summit 2018, Financial Monitoring & Anti-money Laundering 2018, and Anti-Fraud in the Age of Digitalization 2018.

GENERAL BACKGROUND

Education: B.Sc. in Computer Science and MBA from the University of Maryland. 

• Leading Israeli high tech and venture capital executive;
• Founding member of a multi-year large-scale project for the Israeli government which won a prestigious award from the prime minister.
• CEO & Active Chairman of leading organizations in Web Intelligence, Telecom, Venture capital, Enterprise Software, Security, Mobile, Medical Technology.
• Managing Partner of two VC’s (Concord Ventures and Capital Nature)
• An active director at variety of high-tech companies ranging from semiconductors, AI, security and cyber and more. 
• Raised over US$700 million for companies and ventures in Israel, USA, APAC and Europe
• Responsible for revenues of over US$220M per annum
• Lived for 7 years in Washington D.C. and 5 years in Hong Kong

EMPLOYMENT HIGHLIGHTS

• Oct. 2018-current                                  Active Chairman of PROSOL (Azerbaijan)
• Oct. 2012-Oct. 2018                              CEO WebIntPro (WIP)
• Aug. 2011-Oct. 2012                             VP, RADWARE (NSDAQ: RDWR)
• 2007-2012                                                 Active Chairman of Capital Nature VC
• Active Board Member at TERROGENCE (a leading Intelligence provider of terror intelligence)
• 2002-2007                                                  CEO & Chairman, AXISMOBILE Ltd.
• 2000-2006                                                  General Partner in Concord Ventures VC
• 1997-2000                                                  CEO, GEO INTERACTİVE (Emblaze)
• 1991-1997                                                  President, Asia Pacific, Comverse Technology
• 1988-1991                                                  VP & Principal Partner, Coni & Israpaper

Denis is an expert in building digital banking strategies and implementing software for banks and financial organizations. Vast experience in development and deployment of large-scale technical projects, enables him to assist banks and FinTech companies in analyzing their existing digital solution and improving their e-channels for a more effective interaction with internal and external customers.

Qulix team has over a decade of experience in digital banking with 20+ projects completed. Denis is enthusiastic about flexible integration of the customized omnichannel solutions.

He is ready to share company expertise in IT infrastructure, data flows and development strategies in conferences and round-table meetings.

She joined Yandex.Money in 2018 to work on the development of foreign payment methods for Yandex.Checkout's partners. Since then, she has participated in the development of the Yandex.Checkout's service that allows companies to accept payments via the Chinese payment system WeChat Pay and successfully enabled the duty free stores of the Sheremetyevo airport with the option to accept payments made using WeChat Pay via Yandex.Checkout.

 Before joining Yandex.Money, she worked at QIWI, Russian Standard Bank, and developed infrastructure projects. She has graduated with honors from the Peoples' Friendship University of Russia.

Kayhan Akyıldız is a Vice President of Financial Planning and Coordination at Interbank Card Center (ICC). Prior to joining ICC, Kayhan worked as a country manager in Istanbul office of Edgar, Dunn & Company’s - strategy consulting firm specializing in payments and digital financial services-, and as a Vice President of strategy department at Akbank -one of the biggest private bank- in Turkey, and as a research associate at research&modelling department of the Undersecretariat of Turkish Treasury.

He has diverse experience in customer-centric strategy development for financial institutions. In addition, his expertise covers economic&financial modelling, retail banking, segmentation, sales &service model development, and customer value management focusing on increasing customer utilization and relationship deepening.

Kayhan holds a BSc in Economics from METU and also a MSc in Finance and Risk Management from University of Reading.

Bülent Ersöz is an expert in Card Business. He has been working heavily in the finance sector more than 25 years.

Currently, Bülent is member of BNPP Card Community and TEB Retail Management Committee and leads TEB’s Issuing and Acquiring Business since 2011. His responsibelity is in full aspect of the product development, product management, sales coordination, p&l responsibility, vendor relationship of all types of Credit Card, Debit Card and Acquiring.With his leadership, TEB has been one of the fastest growing bank in sector in both of the major product lines and strong profit contribution to the Bank.

He is also member of TEB Kosovo retail Steering Comittee.

Hakan Tatlici holds more than 10 years of experience in the payment and telecommunication industries with special focus on product management, new business development and account management. Before joining Mastercard, he had variety of roles in industrial automation industry, Avea and Turkcell. He has been working for Mastercard as Business Development Director since 2014. 

Hakan holds a BS degree in Electronic Engineering from Kadir Has University, and MS Degree in Mechatronic Engineering from the Marmara University. He also likes rowing, motorbike riding and exploring different culinary cultures. He is a father of one.

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.

Kamala Gurbanova works in Central Bank of the Republic of Azerbaijan since 1988. She is a director of Payment Systems and Settlements Department from 2005.

 She has led many projects in the payment systems field. She has graduated from Azerbaijan State Economic University and University of Wales, MBA. In 2012, she was awarded with “Progress Medal” (Tereqqi Medali) for her services in improvement of the banking sector in Azerbaijan Republic.  

Tamerlan Rustamov is Head of the Financial Markets İnfrastructure Supervision Division at the Financial Market Supervisory Authority of the Republic of Azerbaijan (FİMSA). Currently he is responsible for preparing legislative framework on payment services and payment systems, execution of oversight over payment systems not operated by the Central Bank of Republic of Azerbaijan, execution of projects on development of financial inclusion in the country and accelerating the digital transformation in bank system. He participates in education programs implemented to raise financial literacy of the population and improvement of skills of specialists from the banking system as well. Before working for the FIMSA he had worked at the Payment Systems and Settlements Department at the Central Bank for about nine years.

The projects, he has been involved in, relate to: (i) development of payment systems and popularization of cashless payments;(ii) improvement of the normative legal base of payment systems and preparation of different legal acts on payments cards, money remittances and interbank settlements; (iii) oversight over the activity of processing organizations etc. He received Master’s degree in finance and credit from the Azerbaijan State University of Economics. He is the author of several scientific papers published in different countries about payment services and payment systems.

Professional Experience
1992–2014 worked at various positions in PJSC ROSBANK (Société Générale group), providing organizational and operational support of the bank and its regional branches.

Since 2014, Ms. Bakina is the Head of the National Payment System Department in the Bank of Russia. She supervises the National Payment Card System as well as projects on the advanced Bank of Russia payment system and the system of financial messages transmission, ISO 20022 financial messages implementation. She is responsible for analysis, development, regulation, oversight, and supervision in the national payment system, the Bank of Russia payment system, organization of state payments, administration of budgets incomes.

Education
Graduated the Financial University under the Government of the Russian Federation with honors.

He obtained a bachelor's and master's degree in business management from the University of Wales in the UK and received an IPMA B-level international project manager certificate for the project management.

Accomplished business development professional with a track record in managing marketing strategy and business development in B2C & B2B environments. Experienced in a diverse range of business fields, primarily within IT, Telecoms, Food & Beverage and Business Consultancy. Proven ability to combine strategic, business, and project management skills in order to achieve commercial goals.

Currently, he is in charge of managing development activities and strategic directions as a Head of Strategic Development and Communications Department at the “E-Gov Development Center” public legal entity under the State Agency for Public Service and Social Innovations under the President of the Republic of Azerbaijan.

Tural is a Risk Advisory Director with more than 14 years of experience. He joined Deloitte in 2003 and specialized in corporate governance, organizational design and risk management, organizational and operational efficiency engagements. His clients include Large state-owned Companies, Holdings and Private Equity Companies, Universal Banks, Insurance companies, etc.  

Tural participates in several professional associations, and working groups, being the co-founder of the Azerbaijan Ethics and Compliance Network, contributor to publications in Azerbaijan Risk Professionals Associations, led ICT committee of American Chamber of Commerce in Azerbaijan in 2013-2015, etc.

In recent years Tural led 60+ business transformation projects in Azerbaijan including the target operating model definition for a number of Holding Companies and Family offices, Corporate and organizational structure optimization, technical platform definition and software selection for public and private companies.

Tural also conducted Institutional Diagnosis and assessment projects (Operational, Business, HR and Financial aspects) for M&A transactions and outsourcing projects, as well as assisted in designing Target models in post-merger transformation activities (including transformation of corporate structure, operational and governance transformation) as part of post-merger implementation roadmap.

Over the years, Tural has supported multiple Fintech startups and played a significant role in their development.

Education

In 1989, Mr. Komlev graduated from Bauman Moscow State Technical University majoring in Electrical Engineering (Automatic Systems and Robotics).

In 1989, he completed training at Business and Management School of the International Space University in Strasbourg, France.

In 1995, he graduated from Moscow School of Economics majoring in Bank Accounting.

In 2000, Mr. Komlev graduated from the Finance Academy under the Government of the Russian Federation majoring in Banking and Finance.

In 2011, he studied at Harvard Business School.

Career

Since August 2014 ― Chief Executive Officer, Chairman of the Management Board of NSPK JSC.

2000 - 2014 ― General Director of CJSC United Card Services.

1995 - 2000 ― Vice-President, Deputy General Director of CJSC United Card Services.

1991 - 1995 ― Deputy General Director, later on General Director of LLC Profit-FORMS.

1989 - 1991 ― Head of Foreign Economic Department of ISA (Intersectoral State Association) Prominform.

ISO 20022 is a methodology, or recipe, which can be followed when creating financial messaging standards.

First published in 2004, ISO 20022 is widely recognised as the standard of the future. As well as being flexible enough to work with the latest technology,

ISO 20022 can also adapt to new technology as it emerges.

Global cross-border payments migration to ISO 20022 is a community-driven event and will require regular engagement from and dialogue with our users.

The proposed timeline for the migration of cross-border payments would start in 2021 or 2022 and end in 2025 or 2026, depending on progress in the market infrastructure space.

The growing adoption of ISO 20022 in the payments market infrastructure space and the need to maintain transparent interoperability with cross-border payments, together with compliance concerns regarding completeness and structure of data, are the two drivers most often mentioned.

Marianna has joined SWIFT in January 2015 to drive SWIFT intraday liquidity solution enabling Financial Institutions to comply with regulatory requirements. Since January 2017 she is bringing her expertise in banking & payments to the market under the umbrella of SWIFT gpi.

Her solid understanding of the payments markets and expertise is coming from the Cash Management professional experience at BNP Paribas within the corporate team where Marianna worked before SWIFT.

Mr. Gadimov joined Rabitabank in 2006. Before Rabitabank Mr. Gadimov served at management and various senior at commercial banks in Azerbaijan. Graduated with MS and BA in Accounting and Audit from Azerbaijan Economic University.

Holds MBA from University of South Alabama, US. Established in 1993 Rabitabank is one of the oldest private banks in Azerbaijan. Best known for stability and trust Rabitabank is one of the most reputable names on the market of financial services of Azerbaijan.

Nigar is the Business Development Director at Akhundoff Group, focusing on strategic planning and development of the businesses owned by the Group. Prior to Akhundoff Group, Nigar worked in Assurance department at PwC Azerbaijan for 3 years. She gained her Executive MBA degree from Koç University and bachelor’s degree from Drexel University majoring in Business Administration, Finance and Entrepreneurship.

Sachin has over 15 years of international experience in consulting, project management and operations in making financial services accessible to the un/underbanked people in more than 15 different countries. He has hands-on experience in Digital Financial Services (DFS), Microfinance and Financial Inclusion. He has cross-regional work experience of Asia, Africa and Oceania. He has worked with some of the largest Banks, Mobile Network Operators, technology companies, Microfinance institutions and other stakeholders such as Donors, Central banks and other Government bodies. He has strong skills in developing business strategy/models, product development, human centred design, market research, agent network design and management, process re-engineering, business transformation and financial awareness.

He is a certified trainer and has conducted many large-scale research studies and have published several papers. Prior to working as an independent consultant, he has worked with IFC (World Bank) and MicroSave. The primary focus of his work has always been to design and develop sustainable, effective and innovative systems; products and channels to promote the delivery of a wide range of client-centric, sustainable and technology-enabled financial services. He is an Agricultural Engineering graduate with a management degree.

«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.»

Anastasiya Shevchenko General Manager of Adecco Ukraine, independent fintech-expert, author of the “Digital Era” - biggest book-project on digital technologies in CIS. Founder and CEO of Fintech Solutions LLC.

Since 2004 Anastasiya started working in banking sphere - UkrSibbank BNP Paribas Group, Unicredit Bank, Oschadbank (State owned bank). The business projects under Anastasiya’s responsibility led the banks to Top-5 or even Top-2 on the market.

Some of the implemented solutions for clients are still perceived as disruptively innovative and were copy pasted in other CIS countries (card acceptance project with McDonald’s). 4 years (2012-2016) Anastasiya was business development leader in Visa Inc.

In September 2017 she founded her own company Fintech Solutions for Fintech consulting and educational projects. She also joint Adecco Ukraine as partner and in December 2017 as General Manager.

Ehtiram İsmayilov, has 10+ years of work experience in the area of Information Risk Management as an IT auditor and IT consultant. Graduated from Management Information Systems (MIS) & International Business departments with double major degree as an Honor Student from Boğaziçi University. He joined KPMG Turkey in 2006 and he currently holds the position of Director in Information Risk Management.

He is involved as project manager for audit & advisory & assurance services based on global standards and frameworks like COBIT, ITIL, BS25999, CMMI, SoX, ISO standards within KPMG Turkey that primarily focuses on gap analysis, design and implementation of frameworks. On the other hand, he takes active roles & responsibility for the process audit and process advisory projects for improvement of process control environment. Over the past few years in KPMG Turkey, Ehtiram has performed audit & advisory roles in a variety of client engagements.

His primary role in recent years is the scope of the service, overall quality, regulatory compliance and customer satisfaction. Being Board Member at ISACA Istanbul Chapter and member at The Institute of Internal Auditing – Turkey, Ehtiram holds CISA, CISM and ISO27001 Lead Auditor certificates. Moreover, he is accredited BDDK Independent Information Systems Lead Auditor.

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.

For the period of 2006 – 2013 he has been working as Senior IT Auditor and Head IT Audit division at Central Bank of Azerbaijan Republic. From 2013 to 2017 he worked for Group of Companies as Head of Management Assurance and Director of Information Security divisions. Now he is IT Governance and Information Security Partner at Prima Consulting LLC.

Currently he is Deputy Chair of ABA IT and Information Security Committee. He supervised and implemented number of audits, assurance and consulting projects for Central and Commercial Banks, telecommunication, energy and manufacturing companies.

He has wide experience on Information Security design and implementation, internal control system and cyber-security improvement, operational risk management assessment and IT Governance modeling. He is member of International ISACA association since 2006.

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.

Rashad Fikrat oglu Azizov was born in 1980 in Baku. In 2000, he graduated from Baku State University with honors and received a bachelor's degree in 2002 and a master's degree on "State law" in 2002.

In 2007, he defended his dissertation on the subject "Legal regulation: information aspect" at the St. Petersburg State University and received a degree in law sciences. In 2017, he defended his doctoral dissertation on "Comparative-Legal Analysis of Legal Regulation in the Internet" at the Department of "Law Theory" in the same university.

From 2000 to 2008 he worked at the Constitutional Court of the Republic of Azerbaijan. From 2008 he worked as Head of Information Sector at the Office of the Milli Mejlis of the Republic of Azerbaijan, and since 2010 Head of Integration with Europe Sector. In 2018, he was appointed as the Head of the Information Society and Innovative Development of Electronic Governance Department at the Ministry of Transport, Communications and High Technologies.

He is the Senior Civil Adviser. In 2016 he was awarded the Order of Honor for Civil Service by the Order of the President of the Republic of Azerbaijan.

For the first time in Azerbaijan, he has been lecturing at the Azerbaijan State Academy of Management since 2013 on the subject "Fundamentals of Electronic Law."

4 books, 2 monographs, more than 30 scientific articles.

Married, 3 children.

Andrei Drozdov is working as Senior Manager in Information Risk Management Group of KPMG Moscow.

Has graduated with Master of Science Degree (MSc) from Applied Mathematics in Moscow, Moscow State University named after M. V. Lomonosov.

Andrey has more than 30 years of professional experience as IT consultant and trainer in leading Russian companies and international organizations.

Andrei actively involved in professional associations: vice-president of Information Systems Audit and Control Association (ISACA) of Moscow Chapter, as expert of Russian Information Systems Security Professional Association (RISSPA), Association for Banking Information Security Standards (ABISS) and Association for Strategic Outsourcing (ASTRA).

Competencies include:

IT Audit within Financial Audits and Process Based Audits;

IT Due diligence as part of M&A and IPO;

IT processes maturity assessment based on CobiT;

ISO 27001 assessment and implementation;

SAS 70 attestations for service providers in financial sector;

Information security audit against Information Security Standard and Privacy requirements of Central Bank of Russia;

SOX reviews and implementation;

Information security standards and policies development;

Teaching on IT Governance and Information Security.

Teaching on IT Governance and Information Security.

Andrei's clients have been Central Bank of Russia, Central Bank of Azerbaijan, National Bank of Kazakhstan, Sberbank, VTB Group, Alfa Bank, Major German bank, Major Japanese bank, RaiffeisenBank, Renaissance Capital Bank, Gazprombank,, Citibank, URSA Bank, CSFB, Bank of America, TNK-BP, Lukoil, Metro Cash and Caryy, Severstal and others.

He has CISA (Certified Information Systems Auditor), CISM (Certified Information Security Manager), ISACA – (Information Systems Audit and Control Association); CGEIT (Certified in the Governance of Enterprise IT); Certified auditor and trainer for the Central Bank of Russia Security Standard certification.

Nikolai Khlopov is an expert in trendspotting and business strategy and founder of the trend-driven consultancy Algorithm. Algorithm conducts trend research and forecasting and provides business clients with analytical and information services for innovation development.

Nikolai Khlopov graduated from Moscow State University with a major in convergent media in 1999. In 2005 he obtained an MBA in innovation management in e-business at Grenoble School of Management with a capstone project on building human centered systems in business modelling. Nikolai Khlopov was then accredited as external professor at Grenoble School of Management and was an academic advisor for capstone projects in innovation management up to 2011. Nikolai Khlopov created and has supervised the first course on trendwatching in Russia for British Higher School of Art and Design in Moscow since 2008 and has been a senior lecturer at the department of management at Plekhanov Russian University of Economics since 2018.

Nikolai Khlopov is a speaker at Vedomosti Conferences, Trendwatching Conference, PSFK Summit, TEDx, and other international conferences. He is a guest lecturer at Moscow School of Management Skolkovo, Grenoble School of Management, and Sberbank corporate university. Nikolai Khlopov has been consulting such companies as VISA, SAP, Google, HPE, Yandex on various innovation projects and is one of the leading experts of the international trend network TW:IN. His clients include VISA Dubai Innovation center, payment system Mir, QIWI, Alfa-Bank, VTB Group, MTS, Promsvyazbank, Otkritie bank, Sberbank innovation labs, SAP, HPE, TEVA, Pernod Ricard, Castorama, Heineken, Amsterdam 180, Raiffeizen bank, BBDO, Renaissance insurance, and other Russian and international businesses.

Nikolay Koval, InfoSec expert with 10 years of practical
experience in the field, ex-officer of Computer Emergency Response Team
of Ukraine. Considers threat intelligence as one of the key success
factors of any business.

Provides professional services related to
threat tracking, incident response, malware analysis and digital
forensics. Speaker on local and international events, such as: FIRST,
DCC, SECURE, OSCE, Atlantic Council, EMA, UISGCON, NoNameCon etc.

Education:

MBA degree from EADA (Barcelona) business school

Background:

Otabek Sidikov is a Senior Manager, responsible for risk management, internal control and internal audit practice in Risk Assurance Services practice in Baku. His professional experience includes number of projects such as audit of IT, Information security, analysis of business processes, review of internal controls, general IT controls for number of Banks in Azerbaijan and CIS countries.

Otabek led IT audit projects, audit of Business processes, and projects dedicated to improvement of Internal control system. He has over 10 years of experience with PwC Azerbaijan, Uzbekistan, and Russia as auditor performing systems and process assurance for clients in various industries, including telecommunications, oil and industrial manufacturing, and financial services.

Prior to joining PwC Otabek worked as a Information systems and Electronic business analyst in Newmont Gold Mining corporation.

Professional experience:

Clients served include the following companies: Bakcell, Azerfone, companies under Ministry of Communications and High technologies, Azercell, Ucell, International Bank of Azerbaijan, Unibank, Access Bank, AG Bank, Gazprom (Russia), British American Tobacco and others.

Shafique, Head of Group IT spearheads digital transformation and responsible for the overall IT Operations at Al Fardan Group, a renowned family business in the Gulf region active in the Forex, Cross Border Remittance, Financial Services, Jewels and precious stones and Real Estate. With over 19 years of experience across innovative payment solutions, cross border remittances, IT infrastructure, Cyber security and Ecommerce, a professional who seamlessly cuts across technology and business verticals to combine the key aspects of both.

Active member of Blockchain consortiums and leading digital transformation. Delivering IT projects combined with natural business acumen to provide leadership on critical growth initiatives within payment industry. Worked with several Banks and Financial institutes globally, partnered with Fintech and Startups to enable payment services. Member, Advisor and Speaker at various Blockchain, Fintech and Payment forum. Shafique holds a Master’s Degree in Information Technology with various other IT industry certifications and awards.

Rasim started his career in one of the local banks in Azerbaijan working in Treasury Department shortly turning into Dealing manager covering Trading and Correspondent relations.

Then he was a part of two year full-time MBA program in Alliance Manchester Business School.

Right after the MBA he was invited to Microsoft as regional industry solutions manager across 33 countries in Central and Eastern Europe. Rasim was driving innovations in Public Sector entities, covering Microsoft's transformation pillars :

Optimization of operations

Empowering your employees

Transformation of infrastructure

And enhancement of citizen services.

Currently he is driving Modern Workplace across CIS countries driving Modern workplace in CIS countries.

He specialises in business and technical aspects of modern workplace around collaboration, management and cybersecurity. He is transforming commercial and public sector organizations, shaping their collaboration and working culture as well as joining efforts to secure our enterprises and customer data.

Microsoft invests billions every year in cybersecurity, developing Microsoft products in way that it withstands current cyber threats at the same time fostering creativity and teamwork which are crucial to transformation.

Vusal Salmanli is an ICT professional and manager who has more than 10 years broad experience and knowledge.  He mainly focused to Information Security Technologies and Management during last 6 years of his career. While working for largest IT/Telecommunication Companies of Azerbaijan he was responsible for several services, systems and networks which are mission critical and in production environment. Currently he is continuing his career as a Principal Cyber Security Services Consultant for a US company called Sirius Computer Solutions.

He got his Bachelor’s degree from Computer Engineering department of Qafqaz Universite in year 2009. He got his Master’s degree with distinction from Azerbaijan Technical University, specializing in Organization and Technologies of Information Security in year 2011.

He got several international certificates from vendors such as Oracle, Microsoft, Cisco, Check Point, Ericsson, ZTE etc. during his career years.  He also got world known Information Security certificates such as CISA, CISM, CEH.

Vusal is a silver member of international Information Security organization called ISACA.   He is attending to local and international conferences and events as an Information Security Expert regularly.

Gorkhmaz Aghayev graduated from Baku State University Law Faculty in 2001 and received a Master's degree in Civil and Commercial Law and PhD in Finance, Information Law and Administrative Law. In the same year he taught civil law, trade law, tax law and labor law at the Academy of Public Administration under the President of the Republic of Azerbaijan.

In 2004-2005 he worked at AtaConsulting as a lawyer at the Department of Legal Affairs, and in 2005 he was the head of that department. He worked in various positions at Bank of Baku OJSC as a leading specialist in Corporate law, head of Corporate law department and director of Legal Department in 2005-2011.

In 2011-2013 he worked as a managing partner at CLC law company, in 2013-2017 he served as a legal advisor to the Chairman of the Board of Directors at Ata Bank OJSC and a member of the Risk Management Committee.

He became member of the Supervisory Board of Caspian Development Bank in 2015-2016 and Bank VTB (Azerbaijan) OJSC in 2016-2018.

Since 2013, he has been an administrator at Medlex law company. Mr. Aghayev is also a Director of the Legal Department of Ata Holding, a legal advisor at Azerbaijan Global Investments company and a member of the Supervisory Board of Nova Bank of the Republic of Montenegro.

Gorkhmaz Aghayev is the legal adviser of Portonovi resort & spa, which is the largest project of Azerbaijan in the non-oil sector outside of the country.  He is a member of the Azerbaijan Bar Association, Member of the Board of the Association of Risk Professionals of Azerbaijan and Chairman of the Legal Expert Group under the Azerbaijan Banks Association.

Tural Mammadov was born in 1986. He graduated from the Faculty of Law, Khazar University, in 2008. He started working at justice institutions since 2012.

From 2012 to 2016 he worked as executive officer. He has been appointed as Adviser to the Executive Office of the Ministry of Justice of the Republic of Azerbaijan . Tural Mammadov is working currently at the same head office.

Special rank: He is justice officer, 2nd class

He worked the content of working group which was responsible for establishment of "electronic execution" service and short-term utilization of this service for the purpose of ensuring efficiency and transparency in the activities of the Executive Body of the Ministry of Justice.

Mətanət Yaqub qızı Qasımova 1983-cü ildə Göygöl Rayonunda anadan olub.

2001-ci 2005-ci illərdə Azərbaycan Respublikası Qərb Universitetinin “İşgüzar inzibatçılıq və hüquq” fakültəsinin “Beynəlxalq hüquq” ixtisasında təhsil almışdır. İxtisasca hüquqşünasdır.

2008- 2011-ci illərdə Qərb Universitetində Tələbə və Kadrlar şöbəsinin müdiri vəzifəsində, 2012-2015-ci illərdə Yasamal Rayon Məhkəməsində məsləhətçi (komputer proqramist) vəzifəsində, 2016-cı ildən bugünədək isə "Mütərəqqi Ədliyyə Xidmətləri və Müasir Məhkəmə İnfrastrukturu" Layihəsində çalışır.

Həmçinin, “Elekton məhkəmə” informasiya sisteminin yaradılması üzrə İşçi Qrupunun üzvüdür.

Previous experience: Before leading an award-winning transparent e-auction system PROZORRO.SALE Oleksii worked with the Ministry of infrastructure of Ukraine on reforming the state-owned enterprises and open data policies. Prior to that he was a portfolio manager with Dragon Asset Management.

Oleksii is a Certified Financial Analyst and a President of CFA Society Ukraine. He also leads a Ukrainian chapter of the global Construction Sector Transparency Initiative (CoST).

Oleg Chernishev is Senior Manager at EY Financial Services Risk Management Group, leading quantitative risk management team. Oleg has more than 8 years of experience in financial industry.

He’s main competencies are Basel, credit risk management, development and validation of scoring/rating models, forecasting techniques and application of advanced analytics approaches for risk management.

Oleg led more than 30 projects for large financial groups in Russia and CIS, including Sberbank, VTB, VEB, Alfa Bank, Rosselkhoz bank, Pasha Holding etc.

Maxim Sidorov is Senior Consultant at FICO Decision Management Solutions EMEA. Maxim has more than 12 years of experience in financial industry.

His main competencies are Management and Optimization of complex analytics-driven decisions for Originations, Customer Management and Collections business areas.

 DA Collection, General Director

EasySMS, Managing Partner