Thursday, 27 March, 2025
10 am GMT

The Fraud–Compliance–Innovation Balancing Act

In partnership with

Why attend

As financial institutions across the UK and Europe accelerate their digital card issuing strategies, they face a growing challenge: how to balance the increasing demands of fraud prevention and regulatory compliance without slowing innovation or user experience.

Fraud typologies are evolving faster than traditional controls can keep up, while cross-border compliance requirements are tightening under frameworks like PSD2, PSD3, and evolving UK FCA guidelines. Operational teams are under pressure to build robust risk postures while enabling agile, customer-first growth.

This panel will explore how leading banks, fintechs, and issuer processors are rethinking their operating models to stay ahead. We will examine how teams are embedding fraud controls earlier in the development lifecycle, optimising compliance workflows to reduce manual overhead, and navigating regulatory fragmentation without losing momentum in innovation.

Attendees will gain peer-driven insight into practical governance frameworks, trade-off decisions, and strategies to scale card issuing in complex, high-risk environments.

The key take-aways

Best practices for embedding fraud prevention into digital card issuing workflows

Practical frameworks for managing compliance across the UK and EU regulatory landscape

Strategies to reduce operational overhead in risk and compliance functions

Balancing innovation velocity with risk discipline in high-growth environments

The webinar panel

Click to view full speaker details

Christophe Juniet, CTPO | Memo Bank

Launched in 2020, Memo Bank is an independent French bank accredited as a credit institution by the European Central Bank and regulated by the ACPR. Through its cutting-edge core banking platform, Memo Bank delivers an overhaul for SMEs, enabling them to manage their liquidity and transactions in both a centralized and integrated manner, while providing quick access to lending. Since its inception, Memo Bank has been taking actions to reduce its carbon footprint, as well as that of its clients, employees, and the entire banking market.

CPTO at Memo Bank.
Former Director of Engineering at Criteo, in charge of core products, real-time platform and software factory (12 teams, 60+ ppl).
Former Tech Lead in Market Access & Algorithmic Trading at Crédit Agricole CIB Cheuvreux.

Thorbjørn Fink, COO | Pleo

I helped build Pleo from the ground up - and continue to enjoy every step of our journey.

Building a company like Pleo has been very rewarding. We solve real pain for finance departments, CFO's, managers and employees by offering smart company credit cards that automate expense reports for businesses and simplifies company spending for companies across Europe.

Developing a product in the spirit of transparency, trust, and delegation has been a motivating factor to also nurture a future of work culture within Pleo. This has encouraged us to look at organizational structures differently, to offer employee experiences that are simple and scalable, and to work asynchronously and with remotes from the beginning. Today, we're at a hyper growth stage with 900+ Pleo'ers, 70+ nationalities, with distributed teams across +20 markets (including remotes), and 7 local offices.

When I am not building Pleo, I enjoy advising VC/PE funds on FinTech and payments related topics, helping founders in the Nordic startup scene, as well as making angel investments in startups in Europe and US, focused on FinTech and software platforms.

Victor Kotnik, Partner Financial Services Consulting | Deloitte

Victor Kotnik is a Partner in Consulting with Deloitte in Sweden. He works in the financial services industry, with a focus on business transformation and IT in general insurance and retail banking. He has +30 years of consulting experience. He also serves on Deloitte's Nordic Executive team as Nordic CIO.

Mr. Kotnik has experience from IT and business transformation in a variety of industries, although his main experience is from financial services. Victor has worked with strategies, operating models, operational excellence, Lean SIx Sigma, outsourcing/offshoring and large scale IT driven transformations. He has experience from several countries in the areas of trading, private banking, core insurance and core banking transformations, credit origination, omni-channel solutions, payments, CRM, branch systems, payments, card issuing and acquiring. He has helped start several new banks and to restructure banks and insurers.

Mr. Kotnik started his career with 7 years at Accenture working in their financial services and technology practices. After this he spent 3½ years with Infovention (an IT consulting company focused on the financial services industry co-founded by Mr. Kotnik) and 3½ years with EDB Business Partner (now TietoEvry, a major IT company which acquired Infovention) where he led the Swedish practice. He then spend 3 years with BeaingPoint responsible for Financial Services and supporting BearingPoint in Denmark, after which he joined Deloitte. For 9 years, he served as the Managing Partner of Deloitte Consulting in Sweden

Currently, he focuses his time on clients in the insurance and banking business and holds the roles as People & Purpose Leader for Consulting in Sweden as well as being CIO of Deloitte Nordics.

He holds a B.Sc. in Business Administration from the Business School at the University of Gothenburg (Summa Cum Laude). Mr. Kotnik has supported graduate and research work at CEFIN, the Center of Banking and Finance at the Royal Institute of Technology.

Denise Johansson, Co-Founder and Co-CEO | Enfuce

As a thought leader within payments and open banking as well as an active spokesperson for women in fintech, I’ve been in a key role bringing sustainable financial solutions for the world.

In the last 15+ years in the payment industry, I have helped numerous European fintechs and financial institutes enter new markets fast with safe, secure and scalable card products, while continuously making the financial industry more sustainable.

As the co-founder of a leading European fintech, Enfuce, my job is to drive the payments revolution for fintechs, banks and merchants. Enfuce was the first in the world to put payment processing into the public cloud and is taking the payments world by storm!

This webinar is in partnership with

ENFUCE

Enfuce is the strategic partner for innovative, modern and globally scalable payment card programmes. We were born in the Nordics but are built for the world. Alongside our customers, we create payment solutions that drive transformative business growth and deliver exceptional customer engagement on our industry leading, modular, cloud based platform.

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