I love helping people get financing from lenders and investors. I also love talking business development, product validation an sales. Sold a SaaS to a private technology company. Sold hedge fund to a private equity group. I love helping people get financing from lenders and investors.

Principal of Katzfey's International. Former Chief Revenue Officer of Global Primex, EVP-Integrated Payments of Nuvei and COO of PayLeap with over 32+ years in banking and electronic payments industry both domestically and internationally. Passionate about giving back and helping others grow their business and making money! Need help with your ISO/Agent agreement? Help with your merchant account? Recover reserves?

CEO of Elite V Biz & Associates Inc., I specialize in making your finances simple. As IRS Enrolled Agent I advocate on behalf of many high net worth individuals on various tax cases. Over 20 in business providing exceptional services in tax preparation, tax planning and unheard of tax business strategies. Leveraging your finances is important so I have worked with numerous amount of individuals and several businesses by helping them resolve their tax issues and provide guidance to leverage their finances while saving on taxes. Having the right business structure is key, so I work with business owners by providing expert advice on how to set up and choose the right business structure for their business. As a quickbooks pro advisor I continue to help many individuals manage their finances in a simple way. The buck does not stop there. As a successful real estate investor who have been managing properties for over 20 years I share with tips of how to get your first investment property and lock in on multiple properties. The list goes on so call me. You never know until you make that first step. Call me today :)

Legal and business advisor to entrepreneurs and small businesses. Particular expertise in consumer finance, banking, real estate, and start-ups. Ex-Affirm (first GC), DFPI (former California banking commissioner), Cal AGO, CFPB.

Commercial Banker for 15 years specializing in Commercial Real Estate, Acquisition Financing and Working Capital needs. I’ve worked with large institutions from Wells Fargo to HSBC, but have made a home by bringing my wealth of experience to a small boutique bank at Comerica.

Former Chairman and President of On Deck Capital which is currently in the Inc 500 and Forbes 100 Companies to Watch List

3x Entrepreneur. Founded in BaaS and Embedded Finance for HSBC and unicorn UK fintech. ex JP Morgan, HSBC, Goldman

Real estate developer with expertise in evaluating and structuring deals. Business consultant with a ton of ideas how to solve problems. I have worked in five different industries and find the best use of my time is helping others put it all together. Strengths: finance, real estate deal structure, strategy, organization, marketing

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I have over 15 years of experience in banking, finance, payments, and insurance. I possess deep knowledge of business models, products, and market dynamics. I am highly skilled at identifying collaborative opportunities and innovative product ideas, enabling businesses to achieve sustainable growth and success

10 plus years of experience in credit selling and operations in banking industry.

Led product, strategy, finance, consulting and HR teams over 17 years with Fidelity Investments. Deep experience in retail investing, brokerage, Wealth Management, alternatives, lending, banking, HSA, 529 solutions, digital experience, agile.

Change Management & Strategy Expert in Banking linkedin.com/in/petr-gabriel-6551454a

Results-driven financial professional transitioning to Business Analyst with expertise in financial analysis, regulatory compliance, and Agile methodologies. Certified SEBI Investor, Agile Scrum Master, PMP, Business Analyst, and Six Sigma Black Belt. Along with expertise in financial analysis, regulatory compliance, and Agile methodologies. Proven ability to gather and interpret requirements, enhance stakeholder communication, and drive process improvements. Strong problem-solving and analytical skills, committed to delivering high-value solutions and supporting business objectives in a dynamic environment.

EDUCATION Masters in commerce (Majors in Finance) – M.com 1997-2000 Hailey College of Commerce, University of The Punjab Lahore Pakistan. Bachelor in commerce (Majors in Banking and Accounting) – B.com 1994-1997 Hailey College of Commerce, University of The Punjab Lahore Pakistan. ICC Academy Singapore– The educational arm of the ICC 2020-2021 Certified Trade Finance Professional - CTFP Diploma-ed Associates of Institute of Bankers in Pakistan- 1 9 9 8 - 2 0 0 1 Institute of Bankers Pakistan Karachi, Pakistan. Certifications “Risk Appetite “and “Scoring and Bureau of Credit Risk” - Standard Chartered Bank Plc Dubai. “Role of Senior Manager for team development in a multicultural environment” - Standard Chartered Bank Plc Dubai “Emerging Leaders” - Barclays Bank Plc Dubai “Advanced Working Capital Management” - ICC Academy Singapore “Advanced Supply Chain Management” - ICC Academy Singapore “Export Finance” - ICC Academy Singapore “Digital Trade Finance and Fin-techs” - ICC Academy Singapore “Advanced Guarantees” - ICC Academy Singapore “Advanced Commodity Finance” - ICC Academy Singapore “Advanced Working Capital Finance” - ICC Academy Singapore “Managing Trade Sales” - ICC Academy Singapore “Managing Trade Products” - ICC Academy Singapore “Corporate Finance” - CFI, New York, USA. “Foreign Exchange Essentials” - CFI, New York, USA. “Fundamentals of Credit” - CFI, New York, USA. “Accounting Fundamentals” - CFI, New York, USA. “Forms of Business Structure” - CFI, New York, USA. “Banking Products and Services” - CFI, New York, USA. “Reading Financial Statements” - CFI, New York, USA. “MS Word for Business” - CFI, New York, USA. “SWIFT” - American Express Bank, Pakistan. Export Finance, Refinance and Export Finance Guarantee Scheme - IBP, State Bank of Pakistan. “Learning from experience: cases in foreign trade.” - IBP, State Bank of Pakistan. Relationship Manager Development Program - UBL, Bank, Pakistan. “Bill of Exchange” & “ UCP-500” - Askari Commercial Bank, Pakistan. “Champion Supervisors” - OCTARA, Pakistan. Academics and Personal Achievements. Lecture Given on “Capital budgeting” & Overview of the financial products sectors - LUMS, University, Lahore. Prepared a Restructuring plan for 3 years of a public sector financial institution. - LUMS, University, Lahore. Participated and made a collection in a charity campaign. - Noor School, Special Children Dubai. Delivered lecture on Fraud and forgeries Documentary Credit in International Trade. - MCB, Bank Learning Center, Pakistan. Won 1st Prize to get 30 days of free ice cream. - Baskin & Robbins, DHA, Lahore. Core Competencies • Leadership and Management Successfully Lead large teams and launched Lending & Trade Products in Pakistan, UAE. Leadership Roles and management skills utilized with 9 branches, 150 team members and in 7 States of UAE in Standard Chartered Bank UAE, 33 branches and 40 staff members in UBL, Pakistan, 151 branched and 450 team members in PPCBL Pakistan. • Trade Finance and Corporate Finance Business. Developed business from scratch and achieved revenue, sales, and transactional targets with UBL, SCB, and PPCBL. Trade Finance and Corporate customers headcount added with increasing overall market share. • Strategy and Planning Defining, monitoring, and reporting key performance metrics to key stakeholders for growth and optimization. Supporting and collaborating with senior leadership and across departments to identify and deliver growth initiatives. • Consumer Insights & Behavior Identifying, tracking, measuring, and reporting key insights on customer profiles, customer behavior, customer habits, and patterns for strategic direction, optimization, and driving growth. • Brand and Marketing Lead integrated and digital marketing campaigns for increased brand awareness and stimulating sales. Utilizing SEM and social media marketing techniques to leverage the sales funnel. Analyzing the performance of campaigns for optimization of budgets and identifying growth. • Digital Product Development and Growth R&D, conceptualization, execution, and development of digital products. Communicating across teams for a smooth roll-out. Coordination with relevant departments for bug fixes and successful implementation of the final product. Implementation of new initiatives for product growth. Deployment or upgrade of new features or functionalities. • Retail, SME, and Commercial Business Development. Proposing and initiating proposals and offering credit solutions to customers. Successfully structured facility of a client backed by 100% deposit in PKR and US$ worth Pkr.2.6(B). Identifying and initiating projects for enhanced brand and corporate communication. • Working Capital Supply Chain Management. Adopted best available practices to develop, propose, and approve solutions addressing, Invoice Financing, Bill Discounting, Guarantee Back working capital facilities, and supply chain management tools for Trading companies. • Credit Risk, Financial Risk, and Portfolio Management. Worked as a Credit Manager with Barclays Corporate Bank UAE, restructured and rescheduled relationships affected by the global economic recession. • Cross Product, Cross segment, and Cross geography sales. To boast sales and business development, initiated a cross-product, cross-segment, and cross-geography sales concept. Earned revenue from a mix of revenue streams including markup income, low-cost deposits, treasury and insurance products, and investments in wealth management. • Export Finance, Re-Finance and Export Guarantees. Improved and increased trade income through export negotiations, back-to-back Letter of credit opening for local procurement, and securing export realization through the implementation of export guarantee schemes. Experience PITB - (Punjab Information and Technology Board). Jan 2022 – Till Date Senior Project Manager • Responsible for managing resource utilization, project scope, time, budget, risks, and quality. • Manage client expectations and client relations. • Facilitate regular project status meetings with clients and teams. • Escalate potential project issues promptly and develop a risk management plan. • Completes project closure activities to formalize and communicate the project acceptance. • Hands over documentation and ongoing activities to accountable teams • Conducts a retrospective project review to identify areas of improvement. • Applies and holds team accountable to the use of Sponsor standard project and functional practices, procedures, and use of tools. • Oversees and supports the creation of the WBS (Work Breakdown Structure) for the project. • Knowledge of Microsoft tools and project methodologies in implementing Dynamics 365 solutions, including Conference Room Pilot (CRP), Life Cycle Services (LCS), and Sure Step. • Actively contributes to the expansion of the PM (Project Manager) discipline across the organization through various learning and development initiatives and guides other PMs • Participates in the continuous employee review process by providing specific input regarding team member performance. LGR Global, Fin-Tech Geneva Switzerland (Remote) Jul 2020 – Aug 2021 Trade Finance Strategist. • Digital Strategist managing business architecture across 68 countries. • Led the Launching project of a Fin-tech platform-based product (supply chain finance) in 68 countries: expedited implementation timeline by 12 months. • Led end-to-end process of a new product launching by collaborating with 10+ cross-functional teams; conducted due diligence on operation process, trade finance ecosystem, and obtained internal approvals. • Partnered with selected institutions to drive go-to-market sales activities and expansion of financial products. • Identified fraudulent practices (merchants, borrowers, brokers) and implemented a risk assessment framework. A&A Financial Consultants and Advisors. (Self-Employed) July 2016 – Aug 2020 Financial Consultant. • Funded loan amounts from US$ 5,000 to US$ 250,000/- between 4-12 deals a month. • Marketed clients by providing consultancy to identify beneficial profit margins and increase annual gross revenue by qualifying for short-term working capital loans. • Analyzed merchant, and business bank statements and personal / business credit to qualify applicants. • Maintain new and existing relationships with clients. PPCBL Aug 2011 – July 2016 SVP/Group Head Business, Liabilities and Operations. • Working in a leadership and management role by managing 151 branches and 450 staff members. • Achieved given targets of deposits, lending, and others with a team of 9 Zonal / Divisional Chiefs. • Support the CEO on all business development and operational projects. Member of MANCOM and ALCO. • Product development, existing portfolio management, branch revamping, and dealing with the State Bank of Pakistan for matters about the bank. Barclays Corporate Banking - Dubai UAE. Aug 2010 – February 2011 VP/Manager Corporate Credit (Risk) • Responsible for collections of 9 branches with an account receivables base of US$ 30.0 (M). • Instrumental role in restructuring and rescheduling business credit relationships in peak of economic recession. • Monitored activities and progress of Third-party collection firms. • Structuring facilities and preparing lending proposals for various Credit Committees, ensuring sufficient mitigation to identified risks. Standard Chartered Bank Ltd, Dubai UAE. Feb 2008 – June 2010 Unit Head SME – Small Business Lending Solution & Express Trade Services. • Utilized internal/external data to build a best-in-class SME-business framework which resulted in 25% incremental acquisitions and 10% higher incremental spending for the business. • Developed Small Business portfolio with channels strategy resulting in 30% new accounts capturing US$ 100 M incremental business. • Designed and revamped cross-sell incentives and channel optimization strategies, which along with improved targeting resulted in over 50% increase in acquisitions year over year. • Mentor, manage, and develop new associates from hire through promotion. • Led a team of 9 Relationship Managers and 150 Direct Sales representatives covering the 7 states of UAE, for SBLS and ETS. UBL, Bank Regional Office, Lahore - East. Nov 2003 – Feb 2008 Regional Head. • Skillfully worked to keep delinquency under control by booking quality portfolios & working in close liaison with the risk department. • Ensured that the team covering 33 branches and regions of Lahore East developed quality credit and built a diversified portfolio. • Asset book of the region incremented with Pkr.4.0(B) and awarded best relationship manager country-wide. • Achieved an exponential growth rate of 165%. Askari Bank Ltd. Oct 2000 – Nov 2003 Manager Trade & Trade Finance (Export Department). • Managed a portfolio of domestic and international trade clients (Exporters and domestic traders) multiple commodity traders, manufacturers, livestock exporters, and perishable exporters. • Structured cross-border debt financing, trade, and transactional banking solutions. • Developed strategies on a client portfolio and industry basis to grow revenue and profitability. • Mentored/coached staff in marketing, business execution, and client liaison. Bank-Al-Habib Ltd. Feb 1998 – Oct 2000 Manager Trade Finance (Export Department). • Product development and implementation of 5 new locally structured products in cooperation with the State Bank of Pakistan. • Achieved a reduction of 40% in processing time and 70% in the number of reporting mistakes to the regulator. • Authorization and endorse all export transactions to the banking system. • Serviced and maintained good relationships with customers.

2021 - current Head of Technology Governance and Reporting at HSBC As Head of Technology Governance, I oversee and manage a Technology estate of more than 1,500 applications, services, systems, platforms and infrastructure, serving several lines of business/value streams (Retail and commercial banking, core banking, digital channels, markets and securities and capital markets) and group functions (like Cybersecurity, CTO, Risk, Third Party and Cloud). My management, oversight and Governance broadly falls into the categories listed below; 1) Technology Risk Management - Manage the governance of the banks three main Technology risks; Resilience risk (disruption to business services due to error or accident), Cyber risk (disruption to business due to internal or external malicious actors/activity) and Data risk. I work to ensure that the three risks above are within the banks risk appetite by leading our quarterly risk and controls assessments (RCAs) which assess the inherent risk, take account of our IT controls and then evaluate the outstanding residual risk. Our technology controls including things like vulnerability management, Identity & Access Management (IAM), Data security, Software Development LifeCycle (SDLC), Deployment Management, Change Management, Patch Management, Data management/Usage/Utility/movement/storage, Incident Management and more. 2) Cybersecurity/Information Security- I am the Cybersecurity lead for the Wealth & Personal Banking division of HSBC UK and as such I work with Group Cybersecurity division to deliver and implement the banks Cybersecurity solutions, platforms and tools into WPB UK. I am also the central point of contact and lead in the event of a significant Cyber breach such as a zero vulnerability such as Log4j. As alluded to in the first section, I also manage our Cybersecurity controls such as vulnerability management, Cryptography controls, IAM (MFA -multifactor authentication, privileged access controls, Segregation of duties (SOX), Network security. I also work to ensure that my line of business adheres and aligns to our groups Information security policy as well as globally recognised Cybersecurity frameworks like NIST, COBIT and the ISO27000 suite. 3) Cloud - I am responsible for the oversight and monitoring of all our Cloud migration projects as most of our applications, services and systems are being shifted from on-premise to public and private Cloud owned by a variety of Cloud service providers and Managed Service Providers (MSPs) like AWS, Microsoft Azure and Google Cloud Platform (GCP). In addition, I am also responsible for the Governance , remediation and reporting of Cloud Security issues linked to breaches or unauthorised access (P1 & P2 violations). 4) Third Party Vendor Management- As part of the UK IT exco, I evaluate, assess and purchase third party products, solutions and platforms for delivery into our business and integration into our existing IT estate and architecture. We have a standardised group vendor selection criteria which use to conduct these assessments and purchases. 5) Portfolio Project Management 6) Service Sustainability and Evergreening of legacy services. 7) Incident management and response. 8) Regulatory compliance- Key regulatory frameworks include the UK's Operational Resilience (PRA), NIS2 (EU) and more recently DORA (Digital Operational Resilience Act covering the financial services industry in the EU and their third party providers).

9+ years of international experience in Management Consulting, Advisory, and SaaS Sales within Financial Services. Proven ability to deliver high-value deals (€80M+), lead global enablement programs (200+ employees), and drive measurable results through process optimization, client engagement, and cross-functional leadership

Account Manager, Business Development, B2B Sales, Banking Industry, Client Relationship Management (CRM), Sales, Proposals, Cross-Selling & Upselling, Market Research, Financial Analysi, Digital Banking, ATMs Management, Corporate Banking, Payment Operations, Product Implementation, Risk Assessment, P&L Reporting, Due Diligence, Financial Forecasting.

Former partner in global consultancies - Ogilvy, PA Consulting, Booz Allen, Kearney, 5 times entrepreneur, expert in creative innovation & growth in Europe, US and Asia and in Middle East since 2008

With a law degree in my pocket, I started as a FEC-analyst (Financial Economic Crime), which is a subpart of the KYC field. Over the course of years, I got currently appointed as manager FEC. Through my experience I’ve dealt with complex structures, venture capital, tax constructions, specialized risk groups like coffeeshops and so on.

A digital banking product manager with over 10 yrs of experience in BFSI domain. Created digital banking journey with is STP

As a Director, Credit and Operations Oversightat in Banking, I lead and coach a national team of managers of advisor support to meet the needs of our business clients and drive growth. I have over 18 years of experience in the financial services industry, with a focus on business banking, credit management, and cash management. I hold a Canadian Securities Course (CSC) certification, which enables me to provide advice and services on a broad range of business and personal products. In this role I provide oversight to policy, procedures, change management, monthly monitoring review, executive escalations, and development. I am passionate about delivering client experience excellence, developing new business opportunities, and enhancing the capability of the business sales force. I use my skills in business metrics, sales leadership, and skill development to achieve and exceed the portfolio financial plan, manage risk and consequences, and solve complex problems. I also leverage my natural computer and technology understanding, as well as my education in science and business, to adapt to changing market conditions logically and with focus on customer needs. My mission is to empower my team and my clients to succeed and grow.

Founder of FinBlue Partners. Former U.S. CTO and Group CRO of Adyen - a premium financial technology payment services provider.

Credit and Collections executive focused on data-driven strategic decisions and project management. Analytical profile, with leadership of high-performance multidisciplinary teams.

Proficient individual with a background in banking. Mainly dealing with consumer loans (auto, credit cards), mortgages (including HELOCs and HeLoans). Expert in how to be a people person when selling products and services.