Howard works with Tier 1 banks to digitally transform their KYC onboarding and refresh processes. He has held a number of executive-level operational roles with a major global bank including leading their wholesale KYC Onboarding and Refresh functions. His most recent role prior to Encompass was as Managing Director, Group Financial Crime Operations position at Barclays Bank, where amongst other functions, he was accountable for leading KYC Remediation of Corporate and Investment Bank Client records to FCA committed timeline.

Erik is involved in the development, building and implementation of the SEB Group risk engine to help standardize and align the Financial Crime customer risk management methodology across all business lines and geographies.

Previously Erik has held roles such as Head of Global Due Diligence, EMEA Head of KYC and Head of Global Remediation at organisations including JP Morgan, RBC, HSBC. Erik has significant experience in aligning and enhancing all client due diligence activities across the business and developing client-centric solutions. He has a focus on risk management, quality assurance, execution excellence, project mangment and regulatory engagement.

Ionela Emmett is a financial crime SME with over 15 years of experience in the field. In 2022, she joined ICBC Standard Bank as a Senior Manager, Financial Crime Controls, Risks and Policy & Advisory within the Compliance function.

In her previous role with Commerzbank AG London, she has led the AML Monitoring and Investigation team and acted as Fraud Officer for the London Branch, leading the Anti-Fraud Programme and ensuring oversight and implementation of the respective local and global governance. She was responsible for managing complex investigations across different business platforms and critical input to the development of anti-financial crime policies, procedures, measures and controls.

Before joining Commerzbank in 2018, Ionela served in a similar investigative role at Citibank NA for over 10 years gaining experience in the financial crime field including fraud investigations and AML.

Ionela holds a Master`s degree in Criminal Studies from the University of Portsmouth, Institute of Criminal Justice Studies and achieved several other financial crime related certifications, i.e. ACAMS, ACFE and ECCP.

Fernando is Global Head of IDCoE -Identity Center of Excellence- and responsible of the Global Customer Identity platform. With a background of more than 20 years of experience in Omnichannel and Innovation areas, in the last 5 years he has been involved in most initiatives involving Digital Identity across Santander Group, with special focus in Biometrics-based CIAM and Digital Onboarding processes. He is also a member of the working group that collaborates with the European Commission for the definition and evolution of eIDAS regulation.