Stephan Beitz is an Expert Associate Partner in McKinsey & Company’s Risk & Resilience Practice.
He brings over 10 years of experience in the financial industry and deep expertise in the areas of Credi Risk Management (incl. credit bureaus), Compliance and Generative AI (GenAI) and is supporting his global clients in these areas and beyond.
Prior to joining McKinsey, Stephan worked as a credit officer and stress testing analyst at Deutsche Bank. He holds a Master`s and Bachelor`s degree with Honors in Economics from the University of Regensburg.
Giovanna Cardellicchio, a cum laude graduate of the Catholic University Santa María La Antigua in Panama, has more than 25 years of experience in the information technology and financial industries. She has also completed executive training programs at the Sloan School of Management at the Massachusetts Institute of Technology (MIT) and at INCAE Business School (Central America Institute of Business Administration).
She is an active member of the Panamanian Association of Business Executives (APEDE), the Panamanian Society of Engineers and Architects (SPIA), and the Association of Female Directors of Panama (ADP).
As General Manager of APC Experian, Giovanna is responsible for ensuring the security, confidentiality, and availability of the Credit Reference System — the primary risk mitigation tool for Panama’s National Banking System as well as multiple commercial and financial sectors.
She also serves as First Vice President of the Latin American and Caribbean Association of Credit Bureaus (ALACRED) and is Chairwoman of the Communications and Knowledge Management Working Group within the International Committee on Credit Reporting (ICCR), a World Bank–led initiative that establishes international credit reporting standards and promotes financial inclusion and cross-country information exchange.
In addition, Giovanna is the Executive Director of the Panamanian Credit Association. Outside her professional activities, she volunteers for multiple organizations dedicated to animal welfare and the protection of nature.
Mr. Mariusz Cholewa is a graduate of the University of Gdańsk, the Faculty of Management. In 2005 he obtained his PhD Degree in Economics. He also completed postgraduate studies in Banking and Finance, with the specialisation in Investment Banking, conducted by the London Guidhall University, the Gdańsk Banking Academy and the University of Gdańsk.
In the years 1993-1998 he cooperated with the Gdańsk Banking Academy, as a Management Board member, participating at the same time in the research on the financial restructuring of enterprises and banks pursued by the Gdańsk Institute of Market Economics. In the years 1995-2003 he was an associate professor at the Faculty of Management at the University of Gdańsk.
In the period of 2007-2010 he was the CEO of Bank Rozwoju Cukrownictwa S.A. In 1998 Mariusz Cholewa joined Bank Handlowy w Warszawie S.A. (Citi Handlowy), where he held a number of managerial positions, and till April 2013 he was the Director of the Strategy Department. He was a member of supervisory boards of many companies for e.g.: banks, investment and insurance companies including public granted companies. In the years 2012-2013 he was a member of Biuro Informacji Kredytowej S.A. Supervisory Board.
He has been the President of the BIK Management Board since June 2013. He is also the President of the Supervisory Board of BIG InfoMonitor S.A. – Economic Information Bureau.
Since May 2020 he has been the President of the Management Board of ACCIS, the voice of organisations responsibly managing data to assess the financial credibility of consumers and businesses.
Sungjun Chun is the Director of Global Business at Korea Credit Bureau (KCB). He has more than 20 years of experience in the credit bureau industry, specializing in AI/ML-based credit scoring models, product development, and analytic services, including alternative credit scoring.
He is responsible for KCB’s global credit bureau business in emerging markets, particularly in Southeast Asia, overseeing analytic products and services, AI/ML global solution business, strategic partnerships, and international business cooperation.
Sungjun has also served as a Policy Advisory Consultant for the Knowledge Sharing Program (KSP) of the Korean Ministry of Economy and Finance (MOEF), advising central banks in Southeast Asia on regulatory policy agendas, credit reporting schemes, credit infrastructure system design, and data quality enhancement.
He holds a Bachelor’s degree and a Master’s degree in Economics.
Biography coming soon.
She will give an introduction of CCRC ( China’s public credit registry) and its latest development in promoting data sharing by creating new mechanism, and data usage in promoting financial inclusion.
Biography coming soon.
Fabrizio is an experienced financial executive with a distinguished career spanning over three decades in global credit reporting and risk management. He most recently served as Principal Operations Officer for Financial Infrastructure – Global Credit Reporting at the World Bank Group, where he retired in 2023. During his tenure, Fabrizio oversaw operations in more than 30 jurisdictions across Europe, Central Asia, Asia, and Africa, and was responsible for credit reporting in Eastern Europe and Central Asia, supporting private sectors, Central Banks and regulators in shaping credit reporting infrastructure.
Earlier in his career, Fabrizio began at TRANS UNION Corporation in Chicago, IL, in the International Division working for establishing the first Credit Bureau in Mexico. He later advanced as Director for Southern Europe, spearheading expansion efforts in Spain and Italy.
In 1998, he joined CRIF Spa, the leading European Credit Bureau, as Director of Strategic Planning and International Operations. Over the years, Fabrizio held several key positions within the Group, including General Manager of the Insurance Bureau in the United Kingdom and Managing Director of Credit Bureaus in the Czech Republic, Russia, Slovakia, and Poland. He also led various risk management service companies specializing in decision software, analytics, consultancy, and collection services across the UK, Austria, Mexico, Poland, Germany, the USA, and China.
Fabrizio has served on the boards of multiple international operations, including roles as Chairman of the Board at CCB in Prague, SCB Credit Bureau in Bratislava, and as a board member at NBCH (National Bureau of Credit History) in Moscow, Magnum Communication in Atlanta, and HuaXIa C. in Beijing.
Currently, he is the General Director at ACCIS, the European Association of Consumer Credit Information Providers.
Pablo Fulcheri is a Senior Expert and the Global Leader of Credit Risk Solutions at McKinsey & Company, with more than 10 years of experience in credit risk, collections, and financial services. He specializes in designing and deploying technology-enabled solutions, with a strong focus on collections transformations across the globe.
Before joining McKinsey, Pablo worked at IBM and Banco Itaú. He holds an MBA from Duke University, a Master’s in Business from Fundação Getulio Vargas, and a Bachelor’s degree in International Relations from the University of São Paulo.
At McKinsey, Pablo has led the development and deployment of over five new technology-enabled products for the Credit Risk Practice, successfully implementing them at more than 15 client organizations worldwide. His work includes:
Leading innovative personalization-at-scale modeling and Generative AI use cases for a top financial institution in India, delivering 10% cost reductions and 5% improvements in cure rates for early-stage portfolios.
Developing a machine learning model for personalization at scale for a major regional bank in Brazil, achieving a 15% increase in cure rates.
Creating late-stage collections scoring models for a leading financial institution in Peru.
Designing an inactive-student collections model for an education company in Brazil.
Conducting in-depth diagnostics and transformation programs for clients across multiple sectors, including education (U.S.), multi-product banking (South Africa, Morocco, Brazil), telecom (Canada), and global banking (U.K., UAE, U.S.).
Economist and experienced board and executive member with over 25 years of experience in business development, strategic leadership, and risk management in international organizations. She specializes in new market expansion, digital transformation, credit information services, and financial inclusion in Latin America and the Caribbean.
In 2023, she joined Equifax as Managing Director for Mexico and Central America, contributing her experience in managing high-performance multicultural teams and executing strategies focused on sustainable growth, innovation, and operational efficiency.
Throughout her career, she has led restructuring processes, strategic alliances, and transformation projects aimed at strengthening the financial ecosystem.
She has collaborated with renowned multinational companies such as SAS, Experian, Credit Info, Veritran, and CRIF, consolidating a career focused on excellence, talent development, and value creation in dynamic and competitive environments.
Andrea leads analytic development, delivery, and support for all of FICO® Scores and Global Scoring analytic products and services outside of the United States and Canada. Her expertise spans multiple regions working closely with bureaus and partners in countries such as Mexico, Thailand, Malaysia, Qatar, and Egypt to name a few.
In addition to developing FICO Scores, Andrea’s analytic expertise includes mobile data -based credit scores, first party fraud bureau solutions, custom lender analytics, and property and casualty insurance analytics.
She has been with FICO since 2000, and she holds a B.S in Actuarial Science with a minor in Business from Ball State University.
Manahil Jaffar is a seasoned financial professional with over 15 years of experience in banking and regulatory affairs. As a founding member of the Credit Bureau in Oman, she has played a pivotal role in shaping the country’s credit infrastructure. Currently serving as the Acting General Manager, Manahil leads strategic initiatives and oversees operations to enhance financial transparency and stability in the region.
Dr. Petros Kapasouris is the General Manager of TIRESIAS, where he has worked for more than 25 years in various positions, including Management Consultant, Business Development Manager, Production Manager, and Head of Research and Development. He is responsible for shaping and implementing the company’s strategy, business planning, and digital transformation, as well as developing value-added services in the new information era. He oversees the development of new data sources, credit scoring systems, and decision-support systems.
Previously, Dr. Kapasouris worked as a business consultant at Intrasoft S.A., where he was responsible for consultancy services in information strategic planning, business transformation, and business process re-engineering. In the United States, he served as a research and development engineer at Alphatech (currently BAE – British Aerospace), specializing in aeronautics control systems theory, human performance modelling, and decision-support automation systems. He also worked at GE Aviation (USA) designing automatic control system methodologies for aircraft and helicopter engines, and at Omega Engineering (USA) as a temperature control systems engineer.
He holds a Ph.D. and an M.Sc. in Electrical Engineering from the Massachusetts Institute of Technology (MIT), and a B.Sc. in Electrical Engineering from the University of Connecticut.
Petr Kučera is the Regional Managing Director of the Czech and Slovak Credit Bureaux at CRIF Group and one of the co-founders of the credit bureau projects in both countries. He is involved in all strategic areas of business development of this fast-growing, dynamic company.
Prior to this role, Petr worked for TransUnion–CRIF on new business development in the areas of credit bureau establishment, ongoing operations, and decision solutions projects across the Central and Eastern European region.
His past professional experience includes business and consumer credit data collection across the CEE region and its utilization during the credit granting process for private individuals and corporations. He has also participated in several projects of consumer and business data sharing in the banking, insurance, and telecommunications industries in the CEE markets.
Petr graduated from Charles University in Prague.
Rebecca E. Kuehn is a partner with Hudson Cook, LLP in Washington, DC, where she chairs the Credit Reporting, Privacy, and Data Security Practice Group. Becki counsels businesses that leverage consumer data for analytics and decisioning on compliance with the Fair Credit Reporting Act (FCRA), financial and consumer privacy laws, fair lending, and other federal and state regulations. Before joining Hudson Cook, Becki was vice president and senior regulatory counsel for CoreLogic, providing advice and guidance to the company’s consumer reporting businesses on a wide variety of consumer data and privacy-related regulatory issues. Becki was formerly an assistant director for the Division of Privacy and Identity Protection at the FTC, where she was responsible for leading enforcement, policy, outreach and rulemaking activities for the FTC’s FCRA program. Becki is a Fellow of the American College of Consumer Financial Services Lawyers, co-chairs the American Bar Association’s Section of Litigation, Woman Advocate Committee, and is listed in The Best Lawyers in America©2025 – Banking and Finance Law.
Mario is an experienced lawyer specializing in international regulatory matters concerning data transfer, technology, financial inclusion, and innovation.
He is the head of the legal and regulatory team for Equifax in 11 Latin American and Caribbean countries.
He graduated with honors as a Lawyer from the National University of Asunción and received the Chevening Shell Centenary Scholarship to pursue a Mast er in International Law (LL.M) at the University of Cambridge, UK, from which he also graduated with honors.
Mario has extensive experience presenting at conferences and participating in panel discussions on topics related to data protection, big data, an alytics, and financial inclusion. – ASIPI Webinar 2
A seasoned EU public affairs professional, Charles Low is the Chief Policy Officer at ACCIS where he leads the Association’s advocacy work.
With over a decade in Brussels, Charles has represented diverse and prominent industries, including leasing & car rental, consumer finance, and insurance.
His deep understanding of policy is rooted in his experience in UK financial regulation, and academic foundation in economics (University of Glasgow) and public policy analysis & human development (Maastricht University & UNU-MERIT).
Mike Manaton is FICO’s global partnership leader for credit bureaus and reseller channels. He leads a team managing partner relationships in the United States and in over 30 markets worldwide, including Europe, the Middle East, Africa, Asia, and Latin America.
Prior to joining FICO, Mike was Group Vice President at TransUnion, where he completed the integration of alternative data sources and led a U.S. vertical distribution channel. He began his career in retail lending, working for Bank of America, U.S. Bank, and First Consumers National Bank, where he was Vice President of Credit Risk.
Mike has also led alternative lending projects in Central Asia and East Africa funded by organizations including the U.S. State Department and the Gates Foundation, and he maintains an active interest in this field.
He holds the academic degrees of B.A., M.B.A., and J.D.
Collen Masunda is a Senior SME Finance Specialist in the Financial Institutions Group at the International Finance Corporation (IFC), based in Washington, DC. He brings more than 15 years of international experience in banking, development finance, and credit information systems, with a strong focus on financial inclusion, SME finance, and innovative risk-sharing solutions.
At IFC, Collen has played a key role in structuring and launching large-scale initiatives, including the US$4 billion MSME Finance Platform and the Natural Disaster Facilities (NDLF and NDGF), which introduce innovative parametric triggers and climate finance solutions for emerging markets. His work spans investment structuring, risk modeling, and engagement with reinsurers to expand underwriting capacity. He also supports pipeline development for MSME financing across Asia, Africa, and Latin America, sourcing over US$250 million in opportunities with NBFIs and fintechs.
Before joining IFC, Collen served as Managing Director of CRIF Hungary and contributed to credit bureau development projects across Africa, Asia, and Latin America. He has extensive expertise in international market expansion, credit reporting infrastructure, and advisory services.
Collen holds a Master of Business Administration (Finance) from the University of Virginia Darden School of Business, a Master of Commerce (Development Finance, Summa Cum Laude) from the University of Cape Town, and a Bachelor of Commerce in Banking and Finance (Summa Cum Laude) from Midlands State University. He also earned executive education certificates in Project Management and Applied Business Analytics at Boston University, and completed advanced studies in Data Science and Machine Learning at MIT.
He is a Fellow Chartered Certified Accountant (FCCA), a Chartered Development Finance Analyst (CDFA), and a Registered Professional Accountant (RPAC).
Davide M. Meo is the International Markets Director at CRIF, where he is responsible for global sales and market management across multiple regions including Jamaica, the Bahamas, Vietnam, Tajikistan, Tunisia, Jordan, Uzbekistan, Taiwan, Brunei, and other emerging markets. He leads international teams, develops market strategies, and manages the dynamic processes of start-ups and business growth in both new and established markets.
With more than 15 years of experience at CRIF, Davide has held several leadership roles focused on international expansion. As Regional Market Director for Eastern Asia, he oversaw the launch and development of operations in Vietnam, serving as a board member of the country’s first private credit bureau. As Managing Director of CRIF Hungary, he successfully led the market entry and operations there, while also contributing to the company’s growth across Africa and Asia. Earlier in his career as Business Line Manager, he focused on identifying new international opportunities, supporting tenders, and driving strategic selling processes in cooperation with local facilities.
Davide has built his career on a wide range of international experiences, progressing from managing partners and clients to setting up and running companies in new markets. His work has increasingly focused on guiding countries and entire economies through the development of credit bureau infrastructure and financial innovation.
Known for his natural leadership, Davide emphasizes motivating teams and aligning people with broader company goals. His expertise spans corporate management, cross-country people management, and the successful execution of international business development strategies.
Neil has over 40 years’ experience in the financial services and credit nformation industries. For over 24 years he was with Equifax where for the last 12 years he was leading External Affairs and Communications which involved extensive customer, industry body and government liaison.
Neil was a member of the Executive Management Committee of ACCIS, from 2007 to 2018, holding the position of President from 2009.
He is a founding member of the International Committee on Credit Reporting (ICCR) that is hosted by the World Bank and was personally involved in the creation of the World Bank Principles of Credit Reporting, the recognised standards for the industry. He was elected Deputy Chair in November 2019.
He is the current convenor of the ICCR Asia Pacific Regional Consultative Group which involves 70 representatives from the information industry, central banks and regulators/supervisors involved in credit reporting and business information.
From 2015 Neil has been working as an independent consultant focusing primarily on credit reporting and business information in the Asia Pacific and has worked on a number of key World Bank/IFC credit information infrastructure projectsin the region.
In 2018 he joined the management team of the Business Information Industry Association (BIIA), with responsibility for industry advocacy and assumed the role of Managing Director in 2023.
Elvira coordinates CRIF’s regulatory affairs and public affairs in the EU, both for B2B and B2C businesses lines. She is in charge of CRIF’s engagement with EU and local industry associations and of regulatory activities related to EU initiatives.
Prior to joining CRIF, Elvira worked in the public affairs consultancy sector – focused on financial and regulated energy markets.
She has additional work experience at the EU Parliament and the Italian Permanent Representation to EU.
Elvira is a graduate from the University of Bologna with a thesis on EU law, with a specialization on EU politics from Johns Hopkins – School of Advanced International Studies, also located in Bologna.
Rogério Rabelo Peixoto has been with the Central Bank of Brazil for 28 years, working in areas such as information systems development, credit risk monitoring, and financial institution supervision.
Since 2012, he has led the Credit Information Division within the Information Monitoring Department. He is responsible for managing and evolving the Credit Registry and is currently overseeing the rollout of its third major version.
Rogério also represents the Central Bank of Brazil on the International Committee on Credit Reporting (ICCR) at the World Bank, a position he has held since 2012. He has provided consulting and training on credit information and credit risk monitoring in several countries, including Haiti, Cape Verde, Paraguay, São Tomé and Príncipe, El Salvador, Morocco, and Turkey.
He holds an MBA in Business Administration from Fundação Getúlio Vargas (FGV) and a degree in Systems Analysis from the Pontifical Catholic University of Campinas.
Ahmed Babatunde Popoola (known as Tunde Popoola), PhD, FCA, is the founding Managing Director/CEO of CRC Credit Bureau Limited, Nigeria’s largest credit bureau, where he has consistently championed data-driven solutions for access to credit and sustainable Nigerian economic growth.
Dr. Popoola has been at the forefront of developing the credit reporting industry in Nigeria and Sub-Saharan Africa. He played a key role in formulating guidelines on the licensing, operations, and regulations of credit bureaus in Nigeria (2008 and 2013); the enactment of Nigeria’s National Credit Reporting Act 2017; the formation of the Credit Bureau Association of Nigeria (CBAN); the introduction of the Bank Verification Number (BVN); and the creation of the Africa Credit Information Sharing Association (ACISA). He was Chairman of CBAN and is currently the Co-Chairman of ACISA (in-formation).
Before CRC, he was the founding CEO of the Abuja Enterprise Agency (AEA), where he championed entrepreneurship, youth and women empowerment, and led Nigerian students to win the global Students for the Advancement of Global Entrepreneurship (SAGE) World Cup in 2007, 2008, and 2009.
With 14 years in banking, he rose to CFO/General Manager of a publicly listed bank. His contributions to entrepreneurship, business management, finance, and youth empowerment have earned him numerous awards, including Credit Bureau CEO of the Year (2018, 2023), recognition by Forbes Africa (2023), and the Sir Ahmadu Bello Platinum Award (2023).
He holds a bachelor’s degree in Economics from the University of Ife (now Obafemi Awolowo University), two master’s degrees in Banking & Finance and Economics from the University of Lagos, and a PhD in Finance from WITS Business School, University of the Witwatersrand, South Africa. He is also an alumnus of the Lagos Business School (SMP 12) and the Wharton Business School’s Advanced Management Programme (AMP 67), with further executive education at Harvard Business School, Harvard Kennedy School of Government, Kellogg School of Management, IMD, and Judge Business School, University of Cambridge.
Dr. Popoola is a Fellow of the Institute of Chartered Accountants of Nigeria (ICAN), Institute of Directors (IoD), and seven other professional bodies.
Mauricio Gamboa is an industrial engineer who graduated from the Universidad Iberoamericana from 1976 to 1980. He completed his master’s degree in Systems and Planning at the Universidad Iberoamericana from 1980 to 1981 and from 1984 to 1987. He completed his MBA at the Graduate School of Management at the University of California, Los Angeles from 1981 to 1983. He then completed the AD2 Senior Management Program at IPADE from 2004 to 2005, the Governing Companies, Perfecting Advisors program in 2013, and the Senior Management Continuity Program from 2006 to 2014.
In his professional experience, he served as CEO of Monitor Casa de Cambio from June 1988 to April 1990. At Dynaworld Bank & Trust, he held the position of Director of Finance, Credit, and Operations from June 1990 to April 1992 and later served as CEO from April 1992 to May 1993. At Grupo Financiero Serfin, he began as Director of Regulations and Credit Portfolio from May 1994 to December 1998, and then held the position of Executive Director of Credit from January 1998 to July 2001. Since July 2001, he has held the position of CEO of Buró de Crédito. From October 2015 to date, he has also held the position of President of the Latin American and Caribbean Association of Credit Bureaus (ALACRED).
Throughout his professional career, he has served as an advisor to the following companies: Trans Union de México S.A. SIC from 1995 to 2001, Dun & Bradstreet S.A. SIC from 1998 to 2001, Seguros Atradius from 1997 to 2001, Grupo Mapfre from 2009 to 2015, Nafinsa Advisory Council Mexico City from 2012 to 2015, Editorial Board of Ciclo de Riesgo magazine from 2013 to 2015, Mexico – Israel Chamber of Commerce from 2014 to 2015, and Solunion Seguros de Crédito from 2014 to 2015.
President of ANBC and INDC; extensive international leadership experience; engineering graduate (USP) with postgraduate studies at FGV and executive programs at Kellogg and others.
Andrés Silveira is the Chief Data, Product & Technology Officer (SVP) at Equifax Latin America, with more than 20 years of experience leading the financial, fintech, and retail industries through data, AI, and technology, driving digital transformation.
He holds a degree in Economics and Actuarial Sciences from the University of Buenos Aires. Early in his career, he worked at renowned companies such as IBM, Deloitte, Cencosud, and Grupo SEAC, where he gained a solid foundation in consulting, technology, and strategic management.
In 2015, Andrés joined Equifax as Director of Data & Analytics for Argentina, Uruguay, and Paraguay, leading innovation projects in analytic models and information management. His performance led him, in 2019, to assume the role of Vice President of Data & Analytics for Latin America, where he expanded his leadership across 10 countries in the region, including Chile, Argentina, Peru, Uruguay, Ecuador, Paraguay, Costa Rica, El Salvador, Honduras, and Mexico.
From this position, he drove value creation throughout the data, analytics, and technology chain, consolidating the adoption of Equifax’s Big Data platform, Ignite. He also spearheaded the company’s digital transformation to the cloud — considered the most significant project in the company’s last 20 years in the region. Thanks to this achievement, he was recognized in 2020 by Experis as one of the 50 leaders transforming technology in Chile.
In his current role as Chief Data, Product & Technology Officer and member of the Latin America Executive Board, Andrés leads teams of more than 1,000 specialists, from data engineers to regional executive directors, promoting an agile and collaborative approach between business and technology areas.
He is responsible for data governance and privacy across the region, as well as for research and the acquisition of new information sources to generate innovative insights and expand business opportunities through digital products.
His leadership style is characterized by fostering high-performance teams and constantly seeking creative business models that integrate data, technology, and innovation to transform customer and organizational experiences.
CEO of AdviceRobo and expert in embedded finance and AI-driven innovation; non-executive at Ikano/Ikano Insight; PhD in behavioral economics.
Michael Turner, Ph.D. is the founder, President and CEO of PERC. He is a prominent expert on credit access, credit reporting and scoring, information policy, and economic development. He has advised two Presidential administrations, testified before Congress and numerous state legislatures, and presented studies to numerous US federal government agencies as well as the White House. His think tank PERC is a partner organization to the Consumer Financial Protection Bureau (CFPB). Most recently, Dr. Turner co-founded Verify4, a verifications company in the US. He serves as CEO.
Dr. Turner has worked on projects in over 25 countries on six continents, and is a global thought leader on consumer and commercial credit information sharing. He has worked on projects for the OECD, the Inter-American Development Bank (BID), the International Finance Corporation (IFC), the World Bank Group, and US AID among others. He also launched the Asia-Pacific Credit Coalition and serves as the credit reporting “Sherpa” to the APEC Business Advisory Council (ABAC) and the Asia Pacific Financial Forum (APFF) to promote financial inclusion among the 21 member economies of the APEC.
Dr. Turner served as Graduate Fellow at the Columbia Institute of Tele-Information at the Columbia Business School in New York City, Executive Director of the Information Services Executive Council, manager of government affairs for the North American Telecommunications Association, and staff assistant in the U.S. Senate.
Dr. Turner received his Ph.D. from Columbia University in International Political Economy and his B.A. from Miami University in Economics. He was awarded a Yeck Fellowship from Harvard Business School, and was awarded the Ashoka Foundation Fellowship in 2009.
Yulia heads the Financial Services Team for the World Bank’s flagship Business Ready (B-READY) project, directing global research on credit information systems and secured transactions reform. She previously worked on the Getting Credit indicator under the former Doing Business project (2018-21) and co-designed B-READY’s new Dispute Resolution topic.
Yulia brings more than a decade of cross-border legal experience, spanning commercial litigation in the United States, international arbitration in France, and project finance work in the Dominican Republic. Earlier, she worked on the IFC’s Investing Across Borders project (2009-10).
She holds an LL.M. in International Legal Studies from American University Washington College of Law and a J.D. from Seattle University School of Law, and is admitted to the bars of New York and Washington, D.C.
Steve Vejcik leads the Identity Verification Pillar within TransUnion’s Global Fraud Analytics organization and having been a part of TransUnion’s journey to providing world-class fraud solutions for over ten years.
Prior to TransUnion, Steve was part of a long-lived startup which invested efforts on behalf of commercial and research interests during the beginnings of the ‘Big Data’ revolution and early cloud-based architectures, including for applications focused on fraud in Financial Services.
Also, Steve spent over a decade in academia researching a variety of esoteric topics pertaining to high energy subatomic particles.
Ph.D. in Economics/ Operational Research. Lecturer at Warsaw School of Economics in 2005-2012 on machine learning, econometrics, optimization and simulations. Articles in scientific journals. Currently lecturer on postgraduate studies at WSE and Kozminski universities.
In 2003-2012 works for telco sector, projects on statistical modelling and machine learning for credit & fraud risk, sales and treasury. In 2012-2014 at KBC Financial Group, projects in CEE (m.in. Hungary, Czech Republic, Belgium) on developing and implementing credit risk and anti-fraud models.
Since 2014 at Polish Credit Rating Agency, BIK – heading the area of statistical analytics, scoring models and machine learning for credit and anti-fraud risk. Runs sectoral and custom projects for financial companies and cross-sectoral R&D (e.g. telco, debt collection, insurance). Speaker and panelist at financial conferences and webinars.
Since 2024 board member at fintech company, Digital Fingerprints, responsible for machine learning models for behavioural verification.
