Our judging panel consists of vetted fintech and payment industry experts who will evaluate the RemTECH Awards 2019 entries. We appreciate their commitment to furthering money transfer innovation by taking time out of their schedules to contribute.



Faisal Khan

Faisal is a result-oriented Banking, Payments & Fintech Consultant and the owner of Faisal Khan & Company which specializes in Cross-Border Money Transfer and Payment Systems. Faisal has Payments in his DNA. One of the most recognized faces of the industry! He is a prolific Blogger, Quora Top Writer for 5-years running, Co-Host of fintech podcasts Around the Coin featuring a new series focusing just on remittances, Money on the Move.

He specializes in services for the money transfer industry on partnering, opening new markets, new channels, expanding their reach into foreign markets, gaining access to banking, optimizing international ACH payments, advising Fintech startups, individual entrepreneurs, Not-For-Profit entities, for old, new and emerging methodologies. Based out of Karachi, Pakistan, Faisal works globally with about 80% of his clients coming from North America and the remaining 20% from UK/EU.

Faisal is Co-founder & CEO of Interbank Financial Services (IBFS) a company that specializes the architecting and product validation of electronic payments systems for clients, specifically tailored around the alternative delivery channels for the money transfers, mobile payments and e-wallets. He was also the VP Operations of CoinX where he supervised CoinXTrader (the 1st Licensed Bitcoin Exchange in the US) and CoinHub (CoinX’s Remittance/Money-Transfer platform).



Leon Isaacs

Leon has a deep knowledge of remittances and in particular, how they work; the development potential of them, regulatory issues across multiple markets; the existing product offerings in the market; the challenges and opportunities in send and receive markets as well as consumer needs. He is a partner and founder of Developing Markets Association (DMA) in London where he provides assistance to and deliver projects for a wide range of stakeholders interested in harnessing remittances for development. In this area DMA clients are predominately multilateral institutions, national development agencies, money services business and Diaspora organisations.

Prior to establishing DMA, he worked for 15 years at a senior level for a number of international money transfer companies including MoneyGram, Travelex, Thomas Cook and Coinstar. At these companies he was very involved in developing the strategic direction of the businesses and was responsible for new product development as well as outreach strategies for increasing market share.

Leon continually liaises with international regulators, donor agencies technology companies, consumers, and all stakeholders with an interest in the remittance market as well as a speaker at conferences such as the IMTC, the International Money Transfer Conferences.

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Nina Hülsken

Nina Hülsken is the Founder and Managing Director of Cosmo Element. With over 13 years of experience working in the management for various key players in the payments industry she is well known in the European financial sector. Working with clients across the globe, she provides high-level strategic advice and oversees the implementation of a broad range of acquiring and payments projects.

She works on different licensing projects with the Card Schemes such as Mastercard, Visa and China Unionpay. Nina also works very closely with European stakeholders on banking regulation. She has advices several Payment Institutions and E-money Institutions to become EU regulated and to be able offering their services via passporting throughout Europe.

She is an appointed independent member of the Appeals Committee at the European Payment Council in Brussels.

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Henry Balani

Dr Henry Balani is a financial services executive with over 20 years’ experience in the Payments and Regulatory technology industry. Dr Balani is currently with Blockchain Advisory Institute where he advises financial services clients implementing Blockchain based solutions. In his previous role as Global Head of Strategic Affairs at Accuity, he advised banks, money services businesses and financial technology firms on implementing remittance and compliance solutions related to anti-money laundering (AML), Bank Secrecy Act (BSA), know your customer (KYC) and OFAC sanctions interdiction processes and solutions. In his prior role as Head of Innovation, he introduced AML sanction screening solutions for the cross-border banking, remittance and trade industries. He also provided oversight for Accuity’s Compliance Group that included Product Management and Professional Services related to all Regulatory Compliance solutions. Accuity is part of the RELX Group, a global provider of payments and compliance solutions with clients in the Financial Services, Legal and Corporate sectors.

Dr Balani speaks at major regulatory compliance conferences globally. He has advised US government agencies on the operational impact of AML and OFAC regulations in the financial services industry. Dr Balani has provided guidance on emerging money laundering channels including Trade Finance, Payments, Crypto currency, Real Estate, and High value assets. He has conducted panel sessions on OFAC with senior US and EU government officials as well as provided input into the development of the fifth EU AML Directive, anticipated to be implemented in 2020.

In his capacity as an academic, Dr Balani lectures, and publishes research related to the impact of AML penalties and regulations on banking sector valuations in the US and Europe. Previously published papers include identifying the impact of faster payments on AML compliance and measuring trade-based money laundering in Asia. He lectures on International Trade & Economics and regulatory compliance including at Cambridge University & Case Western Reserve Law School where he instructs compliance officers and regulators in developing effective compliance programs in the banking sector.

Dr. Balani holds a Doctorate in Business Administration (Finance) from the University of Wisconsin, an MBA from Northern Illinois University and BS in Economics, International Trade and Development from the London School of Economics. He has previously held certifications as a Certified Anti-Money Laundering Specialist (CAMS) from the Association of Certified Anti-Money Laundering Specialist (ACAMS) and a Project Management Professional (PMP) from the Project Management Institute.

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Sofia Freyder

Sofia is a highly experienced product management and marketing professional with a strong and varied background in the payments industry. She has a successful track record in directing all aspects of payments product ideation, development and market launch in the US and international markets.

Currently she is an Executive Director with JP Morgan Chase Bank responsible for real-time payments launch in the US market.

Just before that she was a Global Head of Product Marketing and Strategic Partnerships at Earthport where she managed the company’s product strategy, roadmap and innovation. In her role she worked on enabling the business to translate its global cross-border payments vision into meaningful selling propositions and product innovation, drove strategic partnership including innovative partnership with Ripple distributed ledger technology company.

Prior to that, Sofia was a Product Management Senior Director with Mastercard, where she worked on the development and commercialization of new cross-border payments products – Mastercard Send.

Previously she spent several years in senior Product Marketing and Product Management roles at Western Union in charge of both domestic and international business where she developed and launched several payments products for different regions worldwide.

Sofia has a Master’s and Bachelor’s Degree in Business Administration as well as a Master’s Degree in Marketing.

Sofia is very passionate about global payment and remittance space, proactively involved with industry players consulting on latest innovations, industry challenges and opportunities.

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Rob Ayers

Rob is a veteran of the global payments and remittances industry, with 25+ years of profitable growth and development experience, ranging from global remittances to digital payments and many areas in between.

Rob has become an expert adviser on business strategy development and planning, assistance in bank account relationships, and regulatory/licensing navigation. He is also adept at relationship management with consumers, clients, investors, regulators, etc.

Throughout his career, Rob has worked with a variety of companies as an employee or advisor e.g. American Express, Citibank, Travelex, World Remit, World First and others ranging from early stage startups to multi-national publicly-traded firms.

In his spare time, you can find Rob playing golf, reading British mysteries and suspense novels, volunteering at Habitat for Humanity, or enjoying being a dad.