Speakers 2010

Renier Lemmens is vice president and general manager of PayPal Europe. In this role, he is responsible for establishing PayPal as the leading online payment service across the region.
Lemmens brings more than 20 years experience in financial services and technology to his role as head of PayPal Europe. Most recently, he was chief executive officer of ZBG Group/ Amodo Consumer Finance, where he led a portfolio of consumer finance and insurance businesses in the Benelux region.
Prior to that, Lemmens served as chief operating officer of the international retail and commercial banking division at Barclays Bank PLC, covering all functional areas across 23 markets globally. He has held senior executive positions with consumer finance and consulting firms such as GE Capital Corporation, McKinsey & Company and Arthur D. Little. A native of The Netherlands, he has extensive international business experience having worked in the Benelux region, France, Germany, Switzerland, the UK, Hungary, India and North America.
Lemmens serves as non-executive director on the board of Zenith Bank UK, where he also chairs the audit committee.
He received a master’s degree in information technology from Technische Universiteit Delft and an MBA with distinction from INSEAD, France. He is married with three kids and lives in Luxembourg weekdays and London on weekends.

Gerard Hartsink is Senior Executive Vice President of Global Transaction Services and Market Infrastructures of ABN AMRO Bank. He also holds responsibility for the relationship ABN AMRO has with the market infrastructures in the securities, payments and cards industry. Gerard Hartsink represents ABN AMRO Bank in the following organisations: EPC, CLSBank International, LCH.Clearnet, CESAME, ECB Target2 Securities Advisory Group, ISO 20022 RMG and the SWIFT Board.

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.

Hervé Sitruk, 60, is mainly recognised as a European expert on electronic banking transactions and interbanking payment networks, on smart cards and the security issues involved in the deployment of banking applications and electronic document signature via the Internet.

His university career includes both scientific and technical (post-graduate degree in information technology and a degree in Mathematics) and management fields training (diploma from French Institut d’Etudes Politiques in Paris and post-graduate degree in Management from Paris Dauphine, with a banking and finance special field).
He is now lecturer on Banking and Financial Technologies at French Paris Sorbonne University, for post-graduate degree training.

During his more than forty years of experience, for different industries (banking, manufacturing, insurance …), including more than twenty five years in the field of payment consulting, he has been responsible for consultancy businesses for major French services providers such as Sligos (known today as Atos Origin).
For the last twenty years, he set up it’s own consulting company, and works mainly in the banking area. He has headed up strategic consulting operations for all the major French banks, but also for some European banks, and has a lot of personal links with all the interbank systems in the payment field for small or large amounts. He was then the consultant of the main banking IT managers in France.

He was from 1989 to 1998, the main consultant of the Groupement des Cartes Bancaires, the French banking consortium for the smart cards. Since, he achieves a lot of studies on smart cards, electronic purses …for French or European banks. He was also consultant for the French clearing company, and other interbank systems.
From 1990, he was in charge of several reports commissioned by the French Ministry of Finance and the French National Committee for Credit and Securities:

• A major report on technologies used in the French finance and banking system as we move towards the Single Market (1991), set up with the main Banking IT Managers and IST Industries,
• The first detailed study on payment systems and interbank organizations in Europe, with the support of European central banks and the European banking industry organisations,
• A report on electronic banking in Europe and in US….

In 1995, he acted as consultant to the European Commission on the drawing up of the Green Paper concerning the changeover to the Euro, and defined the euro scenario for the banking and financial industry. He was a member of "GroupEuro" of the European Commission,

A diplomat at heart, he was in charge of some confidential missions or for common projects between banks in France and at the european level, with banking federations, the European Central bank, and the European Commission….
From 1998 to 2001, he was instrumental in the convergence of two French projects for electronic bank card payment on the Internet - CyberCard and e-COMM. And set up a new company, Cyber-Comm for standardisation, development and implementation of a secure signature on Internet with smart card and PKI.
On March 2001, he came back to its traditional business as Consultant in its own company, named MANSIT.
From 2001, he works for banks on various projects about payments and cards systems in France and Europe. And help banks to define their own European strategy and to set up interbank software companies for card management.

He has produced various report on “Positive file for credit bureau in France”, “the new Banking Industry”, “SEPA for cards”,… commissioned by the French Ministry of Finance and the French National Committee for Credit and Securities. He is also moderator of a lot of seminars about payments systems, cards, Internet….

Having been with MasterCard Worldwide for 15 years, Luke Olbrich is currently Head of Debit Europe. In this position, he is responsible for strategy, product development and delivery for the MasterCard portfolio of debit products across over 50 markets in Europe. In previous positions, he led MasterCard's SEPA programme and oversaw the expansion of the global Maestro acceptance network.

Christophe Uzureau is an analyst in Gartner Research, where he advises business development managers and strategists inside payment services providers and banking organizations on how technology represents an opportunity to generate competitive advantage by shaping traditional payment processes. He is also responsible for covering payment innovations and the dematerialization of consumer payments worldwide. In addition, he analyzes card-processing trends to provide input to processors’ strategy on competitive threats and to design new services.

Christiaan co-founded TrustWeaver in 2001. He was elected a World Economic Forum (WEF) Global Leader for Tomorrow in 2000. Until 2001, he worked at the International Chamber of Commerce (ICC)’s Paris-based secretariat as Deputy Director of Policy and Business Practices and member of the executive staff committee. Christiaan was the driving force behind the Global Action Plan for Electronic Commerce for the Alliance of Global Business that between 1997 and 2002 was recognized as the most authoritative global business view on e-commerce regulation. Christiaan has been closely involved with international and European policy and standards projects in the fields of e-commerce and in particular security, privacy and e-signatures. As an adviser to the Finnish Ministry of Trade and Industry, he authored the 2001 Asia-Europe Meeting (ASEM) E-Commerce Principles. Christiaan co-chairs the ICC EBITT Commission’s Task Force on Security and Authentication. He also sits on the Supervisory Board of the .nl domain registry foundation (SIDN), and is a member of the Executive Board of the Dutch ENUM Foundation.

Marc Carlos was appointed Head of Payment Systems and Services on 8 January 2009.
From 1 January 2007 to the present, he was Head of International Retail Banking at Crédit Agricole S.A.
He started his career in the French Ministry of Industry and Research in 1984 after which he joined Borie SAE as Business Engineer (1987-1989). From 1989 to 1992 he was Project Director at SAE and then Chef Executive Officer of the Lacroix Group from 1992 to 1997, and its subsidiary Duarib from 1994 to 1997. He left to become Chairman of the Board of Sofrel (1998-2001) and then of Eurofactor (2001-2006).
Marc Carlos is a graduate of Ecole Polytechnique and Ecole des Mines.

Directeur Général Délégué de la SOCIETE GENERALE (depuis Mai 2008)
Né en 1958, S Cabannes est ancien élève de l'École Polytechnique et diplômé de l'École Nationale Supérieure des Mines de Paris. En 1983, il entre au Crédit National en tant qu’analyste financier. De 1986 à 1997, il exerce différentes responsabilités chez Elf Atochem dont Directeur de la Stratégie à partir de 1995. En 1997, S Cabannes rejoint le Groupe La Poste comme Directeur de la Stratégie. En 1998, il est nommé Directeur Général Adjoint Stratégie et Finance, et membre du Comité Exécutif du Groupe La Poste. En 2001, il rejoint Société Générale en tant que Directeur Financier et membre du Comité de Direction. En 2002, il rejoint le Groupe Stéria en tant que Directeur Général Adjoint, puis Directeur Général à partir de 2003. En janvier 2007, S. Cabannes est Directeur des Ressources du groupe Société Générale et membre du Comité Exécutif. Depuis Mai 2008, S. CABANNES est Directeur Général Délégué du Groupe Société Générale et membre du Comité Exécutif.

Ernst Verbeek is MD of Trionis, the new name of the company that was separated from the EUFISERV scheme to become a brand-neutral interbank processor for POS and ATM transactions.

Prior to that he worked for First Data in where he has been responsible for First Data’s operations in Western Europe. He also worked for Certegy, where he was responsible for the company’s European operations, for American Express in the UK, Spain and Bahrain, and for Experian in the Netherlands and Spain. He holds an MSc from the London School of Economics and an MBA from INSEAD.