Flawless Money Limited | A niche consultancy focusing on payments and dealing with the financial regulation of electronic money, money remittance, and other payments.

Our Team

 

Dr Thaer Sabri, managing director

Thaer Sabri is founder and managing director of payments consultancy Flawless Money. He is also senior partner of the payments specialist law firm FM Legal. In addition, he founded and is CEO of the Electronic Money Association, the trade body for the electronic payments industry in Europe.

He has more than 15 years’ experience in electronic money and innovative payments, and is a qualified solicitor in England & Wales and is also an engineering graduate, and postgraduate.

Thaer is additionally a member of the Board of the European Payments Council (EPC), a member of the European Commission Payment Services Market Experts Group, he sits on the UK Joint Money Laundering Steering Group, and participates in working groups of the SEPA governing body, the Euro Retail Payments Board (ERPB).

Robert Caplehorn, senior consultant

Robert is a senior lawyer specialising in e-payments providing advice to e-money issuers, banks and other PSPs on the full range of legal, compliance and regulatory issues across Europe.

Robert has an extensive background in the e-payments, banking and internet sectors. He was general counsel for Mondex International in the nineties and spent more than 12 years with PayPal from 2003 until 2015 originally leading the legal and compliance functions in Europe and then heading up the legal function globally.

robert.caplehorn@flawlessmoney.com T 01482 215778 

Judith Crawford, director

Judith runs the Electronic Money Association, which is a core part of FM’s services to the e-money industry. It supports FM’s regulatory monitoring facilities, enables the shaping of legislation to ensure that the UK and EU regulatory framework for EMA members is conducive to growth and innovation, and creates an open competitive marketplace for alternative payment service providers. She is currently coordinating the EMA’s work on PSD2, 4MLD, and the wide variety of other regulatory developments relevant to EMIs, PIs and CIs issuing e-money.

She worked for three years for the insurance industry at the Association of British Insurers in several roles, and has extensive experience in stakeholder management and lobbying both at UK and EU level. Before that she worked for six years for MEP John Purvis, and as rapporteur on the second Electronic Money Directive.

judith.crawford@flawlessmoney.com T 07981796648

Robin Darbyshire, senior consultant

Robin provides Flawless with accounting expertise to a variety of issues, and has nearly 40 years’ experience as a chartered accountant in several industries, particularly with central banks.

Robin spent 19 years at the Bank of England and for the last 10 years has been an independent consultant with assignments for the International Monetary Fund and the European Central Bank among others.

robin.darbyshire@flawlessmoney.com T 020 8944 5362

Kate Ilyushyna, compliance associate

Kate focuses on regulatory and compliance projects, and provides primary support for the EMA.

kate.ilyushyna@flawlessmoney.com T 020 3372 9054

qjalisi Dr Qazi Jalisi,  director and senior regulatory consultant

Qazi is a multi-specialist lawyer focusing on European-wide developments in the areas of financial services, e-commerce and data protection, in particular in relation to e-money, payment services and FinTech. Qazi advises businesses ranging from start-ups to multi-nationals on both EEA and non-EEA regulatory regimes. He has also advised on anti money laundering and sanctions regimes. Qazi is interested in the latest European policy and regulatory developments and sits on various industry and regulator working groups. He is also a conference speaker.

Before his legal career, Qazi was a physicist and a research engineer. He trained with a magic circle firm in the City of London before being admitted as a Solicitor of England and Wales in 2006. He is a partner in our sister law firm FM Legal.

qazi.jalisi@flawlessmoney.com T 020 3372 9045

vkjalisi Vedrana (Veca) Kovacevic-Jalisi, senior regulatory consultant

Veca is a multi-specialist lawyer focusing on European regulatory legislative developments and regulatory perimeter issues, in particular in relation to e-money and payment services. She also works on European-wide conduct of business, general consumer protection and e-commerce rules. She has experience in advising on anti-money laundering regimes across Europe. Veca advises regulated and unregulated entities offering innovative payment solutions under both EEA and non-EEA regulatory regimes. She is interested in the evolution of the payments industry and sits on various industry and regulator working groups.

Veca trained with a magic circle firm in the City of London before being admitted as a Solicitor of England and Wales in 2007. She is counsel in our sister law firm FM Legal.

vedrana.kovacevic-jalisi@flawlessmoney.com T 020 3372 9046

Dimitrios Markakis, senior consultant

Dimitrios provides technology and security consulting support to a range of payment service providers that seek to develop/deploy new payment products. He has worked with banks, international card schemes, MNOs, technology vendors, retailers and government agencies to design, audit and support the secure deployment of a range of electronic payment products. A particular focus of his work has been the design of secure electronic payment products and protocols for use in online/mobile payment interactions.

Dimitrios is a certified information systems security professional (CISSP) and a Prince2 project management practitioner.

dmitrios.markakis@flawlessmoney.com T 07887 650295

Ruth Mitchell, senior consultant

Ruth specialises in providing operations, regulatory compliance, and risk management consulting services to e-money issuers and payment service providers. She has extensive experience in helping clients take a pragmatic, risk-focused approach to developing and managing their compliance efforts.

Ruth has more than 18 years’ experience in the innovative payments industry. Starting her career with e-cash business Mondex International before moving to the RBS Group where she was responsible for delivering large scale change projects within the cards issuing and acquiring businesses.

ruth.mitchell@flawlessmoney.com T 07762 069546

Philip Robinson, senior consultant

Philip has spent more than 20 years in financial regulation and has held a number of senior management roles at the Financial Services Authority from 1998 to 2010. Among these were director positions in deposit takers, regulatory transactions and financial crime and intelligence. He was on the UK delegation to the Financial Action Task Force from 2004 to 2009.

A certified accountant and fellow of the Chartered Institute of Securities and Investment, Philip has broad experience and knowledge of domestic and international regulation and its relevance to strategy, governance and operations. He also sits as a non-executive on a number of public sector boards.

Matt Stride, senior consultant

Matt joined Flawless Money in 2008 and is primarily involved in regulatory applications and providing compliance reviews and internal audit services to e-money issuers and payment service providers. He has significant experience helping clients gain, and maintain, their authorised status and is skilled at working with businesses to develop and implement appropriate and pragmatic operational, compliance, governance and risk management arrangements.

Matt is a qualified accountant (FCCA) with more than 17 years’ practical experience of financial operations, governance and compliance arrangements gained from working in a range of different industries.

matt.stride@flawlessmoney.com T 07876 336976

Jane Barrett-Danes, PA to Thaer Sabri

Jane has been Thaer’s PA since 2008, and also manages the smooth running of the company’s office in Surbiton. In addition she works on the admin side of the EMA, organising regular monthly meetings as well as conferences and workshops.

Her previous career was in writing and editing, most recently as a freelance, and before that in investment banks. She has more than 15 years’ experience in journalism, originally working in medical journalism, and has been highly commended in the BMJ book awards. She has also edited many fiction and non-fiction books.

jane.barrett-danes@flawlessmoney.com T 020 3372 9055

Janetta Millard, marketing manager

Janetta is responsible for planning, developing, implementing, and measuring the success of Flawless Money’s digital marketing campaigns and social media strategies. She develops media partnerships and participates in organising conferences and events. She also has a support function for the finance team and prepares client customised invoicing.

Janetta worked in finance for more than 10 years for international outplacement, aviation, telco and health and safety companies. She is an affiliate of the Chartered Institute of Marketing and holds a diploma in digital marketing accredited by the Communications Advertising and Marketing Foundation.

janetta.millard@flawlessmoney.com T 020 3372 9050

Maite Ortiz, accounts manager

Maite joined Flawless Money in 2004 and is responsible for running the accounts department. She provides relevant advice and assistance to the business with periodic financial reporting and forecasting, and co-ordinates human resources and payroll. She also supervises a small team. In addition, she provides support to client projects with anti-money laundering. Maite worked as an accountant administrator for several years in Spain and the UK, and has also worked as a revenue analyst. She holds the ICA diploma in anti-money laundering.

maite.ortiz@flawlessmoney.com T 020 3372 9044

Ashton Wilson, network and system administrator

Ashton provides IT services and server and network configuration, and develops process automation for secure and resilient infrastructure. He has a thorough knowledge of network tools, security, business continuity, configuring and troubleshooting network devices. Ashton makes sure everyone stays connected and can collaborate wherever they are.

Ashton has more than 10 years’ experience in web technology, software development, and Unix based systems.

ashton.wilson@flawlessmoney.com T 020 3372 9043