Dr Thaer Sabri,
Thaer 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).
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.
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.
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
Paul specialises in providing operations, anti-financial crime and regulatory compliance, and risk management consulting services to e-money issuers and payment service providers. Paul has extensive experience in investigating and preventing financial crime and assisting firms to adopt a risk-based approach to managing compliance activities.
Paul has many years’ experience in law enforcement with HM Revenue & Customs and the Serious Fraud Office (SFO) and financial regulation with the Financial Conduct Authority (FCA).
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.
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.
Office manager and EA to Thaer Sabri
Jane has been Thaer’s EA 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.
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.
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.
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.
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.
Maite 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.
Kate focuses on regulatory and compliance projects, and provides primary support for the EMA.
Dr Andrew Lenaghan
Network and IT Security
Andrew specialises in networking and IT security with experience in incident management, disaster recovery and business continuity.
Andrew is a former security specialist with the CERT team at Oxford University and has a background in research on visual cognition and pattern recognition.