Speakers

Jan Pieter Krahnen teaches Corporate Finance at the School of Business and
Economics, Goethe University in Frankfurt. He is also a Director of the Center for
Financial Studies (CFS), an independent, externally funded research institute which
recently joined Goethe University’s House of Finance. Dr. Krahnen is also a
research fellow at the London-based Centre for Economic Policy Research (CEPR).
Furthermore, he is a member of the Steering Committee of the ECB-CFS research
network “Capital markets and financial integration in Europe”. His own research
interests focus on risk transfer in securitization markets and on implications of the
financial turmoil for institutions and market regulation. He is also working on
liquidity and the role of rating agencies in financial markets. Krahnen has published
extensively in the field of Corporate Finance and Banking. The most recent
publications are in the Review of Economic Studies, the Journal of Financial
Intermediation, Journal of Banking and Finance. He has served on the Editorial
Board of the Journal of Banking and Finance, and the Journal of Financial Services
Research.

Since October 2006, Mrs Irmfried Schwimann is Head of DG Competition's Financial Services unit, dealing with antitrust matters. For the time being, she is also assuming the position of Acting Director for the Financial Services and Health-related markets Directorate of DG Competition. Mrs Schwimann was previously Head of DG Markt's Financial Services Policy unit (3/2003-9/2006). Before that, Mrs Schwimann worked in the unit dealing with Retail Issues and Payment Systems within DG Markt (7/1999-8/2002) and subsequently in Commissioner Bolkestein's Cabinet (9/2002-2/2003), where she was i.a. responsible for financial services issues.

Mrs Schwimann studied law at the University of Linz/Austria as well as political science at the Institut d'Etudes Politiques in Paris.

Before joining the Commission Mrs Schwimann had been working for the Austrian Ministry of Foreign Affairs (1984-1989) and subsequently for an Austrian Insurance group (1989-1999).

Bo Harald has since the beginning of 2006 been in charge of the Executive Advisors unit at Tie-toEnator. On December 2007 he was appointed as the Chairman to the EU Expert Group on Electronic Invoicing.

Before that his professional career (1975-2005) focused on developing Nordea’s Electronic Banking an payments operations. He held managerial positions among others in Union Bank of Finland International, Luxembourg, Deputy Managing Director of Union Bank of Finland Sin-gapore, Managing Director of Union Bank of Finland in London, Board Member of Union Bank of Finland, Head of Corporate Sector, Large Corporations and Helsinki District.

After the merger of Union Bank of Finland and Kansallis-Osake-Pankki to form Merita Bank in 1995, he had board responsibility for Western Finland and Payments & Network Banking.

In 1998 Merita Bank and Nordbanken (Sweden) formed MeritaNordbanken (later Nordea) Mr. Harald was appointed Executive Vice President, Payments and Network Banking.

Mr. Harald also served as Chairman of Mobey (Mobile Financial Services Forum) and has held and holds directorships in various companies and associations. He is a frequent lecturer of Inter-net and E-commerce topics and was named by Institutional Investor in 2000-2003 as one of the most influential technologists of the 20th century. He was granted the first award by the Finnish Min-istry of Transport and Communications for promoting the information society in 2004.

Charles Bryant now acts as a consultant in the payments industry. He is currently engaged as Senior Adviser to the Euro Banking Association with a focus on e-invoicing and supply chain integration. He was formerly Secretary General of the European Payments Council from 2004 to 2007 and was closely engaged in the design and launch planning of SEPA. In prior roles he was a senior executive at SWIFT responsible in various capacities for payments, market infrastructures, sales and strategy, and spent 25 years in international banking with Chase, Midland and Natwest.

As an Equens General Manager, Dave Rietveld is responsible for the Development of new services and markets within Europe.

In addition to his bachelor's master's degrees in Electronic Engineering and Business Administration respectively, Dave has considerable experience of the financial industry.
During his career he has headed several teams and departments in the fields of software development, project management, testing & implementation and system administration.
Since joining Equens in 2002, Dave has been responsible for the quality and clearing & settlement services and the delivery of several new business lines in the field of e-invoicing, prepaid and mobile payments.

Maarten Mol, Head Transaction Banking ABN AMRO, started his transaction banking career as a consultant at KPMG after domestic and international banking traineeships at, among others, ABN AMRO. In 1988, he moved to Bank of America in the Treasury and Electronic Banking Department. He rejoined ABN AMRO in 1997. Since then, he has had various positions in international sales and product management of the transaction banking businesses of ABN AMRO. For the past three years, Maarten has been responsible for the full transaction banking business in the Netherlands across private, retail, corporate and wholesale clients. He briefly enjoyed the position of CEO Transaction Banking at Fortis Bank.

After his study macro-economics at the Amsterdam University, Piet Mallekoote joined the Dutch Central Bank (DNB). He held several senior management positions in economic research, economic policy and payments. In the last position he was a member of the Payment Systems and Settlement Committee of the Eurosystem. Mallekoote joined Currence in 2004 and became its CEO in 2006. Currence became the brand owner of iDEAL in 2006.

Christophe Uzureau is a research director in Gartner Banking and Investment Advisory Services, where he advises heads of business units and payments, strategists and IT managers inside banks and payment services providers on how new payment concepts and technology represent an opportunity to generate competitive advantage by shaping traditional payment processes.

He is responsible for covering payment system trends and innovations. He provides input to banks' payment strategies and supports their business case for new payment services.

He is working with banking clients to assist in the modernization of their payment systems, by advising on how their payment architecture must evolve to respond to shifting market demand due to new client requirements, new competitive threats, emerging payment instruments and regional initiatives such as the creation of the Single Euro Payments Area (SEPA).

He also provides recommendations to payment processors to establish what new services they should introduce to their client base to remain competitive.

John has a background of over 20 years in banking- with Barclays in the UK, US (California 1980’s & Wall Street 1990’s), and Europe & Asia; his responsibilities centred primarily around relationship management for Financial Institutions and larger Corporates for Barclays – especially in periods of change (eg deregulation in the London markets); from this he became Director at Group Operational Risk (eCommerce) at Barclays corporate HQ in London.
From this role, John was selected to join IdenTrust at its original foundation in 1999 as a bank consortium (Barclays was a founder shareholder), and has managed much of the worldwide (mainly non US) external-facing issues, as the young enterprise charted its way through its early years.
As the Company’s Global Ambassador, he brings a wealth of experience and insight particularly from the banking and the end-Customer perspective about what is needed by way of Trust & Integrity in managing operational risk ( including Supply Chain, for Corporates, the Public Sector, and ultimately the Citizen), in the era of a ubiquitous global “Networked Economy”.
John is based out of IdenTrust’s offices in London with a team focused on successful partnering and collaborative working with Corporates, Governments, Banks and a wide Partner community, as IdenTrust helps to address their challenges in the e-ID space.

Christian Westerhaus
Managing Director
Head of Product Management - Financial Institutions
Global Transaction Banking
Deutsche Bank AG

Chairman of the EPC's SPS Working Group

Christian Westerhaus is the Head of Product Management Financial Institutions, Global Transaction Banking at Deutsche Bank. He is based in Frankfurt, Germany.
Christian is a member of various industry committees including the European Payments Council (EPC) where he serves as the Chairman of the SEPA Payments Scheme Working Group. He is also a Board Member of EBA Clearing.

Prior to joining Deutsche Bank in 2003, Christian was the Head of Global Clearing and SWIFT Projects with HypoVereinsbank in Munich.