Peter has over 18 years of experience in strategy consulting to a variety of leading industry clients in financial services, with wide geographical experience across the European, North American, Middle Eastern, and African markets. His functional expertise includes competitive analysis, business performance reviews, benchmarking, and customer and product profitability measurement using a wide array of strategic analysis tools.
He has delivered strategic consultancy assignments within the physical and e-business arena of financial services, providing strategic payment service analysis, profitability analysis, operational reviews, new product development, benchmarking studies and providing regulatory advice for industry leading clients. Clients have included international payment schemes, national banks, financial services organisations and national associations.
Peter is a regular conference speaker and Chairman at events concerning the cards and payments business and customer profitability/value management across Europe and beyond.
Peter holds a Masters of Science from Denmark’s Technical University and a Masters of Philosophy in Management Studies from Oxford University. Prior to attending Oxford University he spent five years with Schlumberger Oilfield Services in a number of African countries.
Before rejoining EDC in San Francisco Peter worked for MasterCard International, London, as Head of European Strategy where he was responsible for creating new business models in response to legislative changes, building out a European strategy to inform investment decisions, for guiding competitor intelligence and strategic response as well as managing the European M&A target identification process. Before relocating to London, he was Managing Director for MasterCard’s substantial German market operations.
Prior to this, Peter managed the credit card business of Royal Bank of Scotland in Germany and acquired deep retail banking experience as CEO/CFO of Santander Direkt Bank. Before entering the consumer space Peter worked as an international commercial and wholesale banker in London, Singapore, Zurich and Paris in diverse roles from sales, product management, commercial payments, treasury and trade finance.
His core competencies include business case development, new product development, strategic planning, market entry strategy, benchmarking. Pascal has managed a large number of strategic planning, marketing strategy and implementation projects for clients including issuers, acquirers, card associations and large merchants such as airlines.
He received his MBA from Lancaster University in the United Kingdom and his Business Degree from Ecole Supérieure de Commerce de Lyon in France.
Samee has deep experience in helping clients set-up Internet and telephone based direct banking and brokerage operations including the selection and management of technology providers and outsourcing partners. He has written several articles in leading publications, has spoken at conferences, and has recently co-authored a book on payment cards: “Developing and managing a successful payment cards business,” published by Gower.
Previously Samee has worked with PricewaterhouseCoopers and Visa International in London and New York.
Samee holds a B.Sc in Physics and Mathematics from University of the Punjab in Pakistan, is a chartered accountant, and was a Commonwealth Scholar at the Cass Business School of the City University in London where he received his MBA in Finance.
Joining the firm in 2003, Ulf brings nearly 20 years of experience and executive management in the German retail banking industry. Prior to EDC, he spent 16 years with Santander Central Hispano and Bank of America in Germany in several key management positions. In 1994 he introduced Santander Direkt Bank AG as one of the first direct banking concepts to the German market. During his tenure, Mr. Geismar played a major role in the introduction of VISA in the German market and became one of the founding members of VISA Germany where he held a seat on the board for more than 8 years. In 1996, he founded Santander Management GmbH as an independent organisation to provide commercial card services to corporate customers in Germany. Under Mr. Geismar’s leadership, Santander Direkt Bank AG (SDB) became one of the most successful German retail banks in the European market, and one of the largest and most profitable direct banks in Germany.
Ulf holds a Masters Degree from North Texas State University (NTSU) and a Bachelors Degree from Texas Christian University (TCU).
He has over 20 years of a proven record of accomplishment of consulting, managing and developing financial services businesses through identifying new opportunities and delivering payment solutions across Europe. His areas of expertise are Merchant Acquiring, e-commerce payment processing, Interchange, online gaming, prepaid issuing, M&A due diligence and the impact of various European Union directives such as e-money and the Payments Service Directive (PSD).
Mark has closely worked with a number of global online merchants to develop payment acceptance strategies by conducting a 360° Payment Diagnostic. This work has identified cost efficiencies for online merchants by defining an appropriate mix of payment methods, such as the acceptance of alternative forms of payments, and optimising PSP and bank connections.
Mark holds a BSc with Honours in Computer Science and specialised in project and program management at Leicester University. He has been a frequent speaker for various financial services industry conferences and forums.
Jane has deep experience in card based payments on both the Issuing and Acquiring sides of the business. She has provided expert witness testimony for clients in matters involving credit card portfolio valuation and performance. Her clients include Merchant Acquirers, Issuers, Third Party Processors and credit card industry Associations. Her expertise includes consumer and business related products.
He has a track record in strategy development and deep expertise in profitability improvement, strategic planning and financial modelling. Volker has project-led cost analyses of issuing and acquiring businesses for more than 30 European and South African banks and therefore gained considerable insights in the economics of a card business. His experience covers credit, debit, prepaid cards as well as e-money products.
Over the last 2-3 years Volker has done a significant amount of work on payment acceptance where he has not only worked on understanding the true cost of payments including new technologies like contactless, but also experienced first-hand the blurring lines between physical POS, e-commerce and m-commerce payments. In this area he has worked with many players outside the traditional banking and payments industry and supported license applications and business case development. He has also provided due diligence support on a number of different transactions in the payment industry over the last few years.
Volker holds an MBA from Glasgow Caledonian University and an MSC in Industrial Engineering from Technical University Karlsruhe in Germany.
Kim works with a variety of clients in the financial services and payments industries. Her consulting experience focuses on evaluating strategic options for growth including product development, and creating go-to-market strategies to accelerate market share. Her experience also includes assessing organizations’ operational effectiveness compared to external leading practices.
She has experience in financial services and payments product areas including credit card, private label credit card, small business credit card, personal unsecured installment loans, small business installment loans, financial service products and needs of the traditionally underserved (unbanked or underbanked), retail banking, mortgage lending, securities brokerage, and consumer finance.
Prior to joining Edgar, Dunn & Company, she held strategic consulting positions at Mitchell Madison Group and Andersen, and also held international positions at the Union Bank of Switzerland and Merrill Lynch & Co., Inc. Kim holds a Bachelor of Science in Finance from Villanova University, and an MBA in Finance and Management of Organizations from Columbia University, both with distinction.
Through his involvement in pan-European and pan-Asian projects, he has gained extensive knowledge of payments systems with expertise in bank transfer solutions (including SEPA), mobile payments, card products, alternative forms of payments, and has developed strong skills in project management, market assessments and strategy analyses. Through his exposure to different markets, Grégoire has gained a valuable understanding of retail payments whilst working in different industries (e.g. supermarket, travel) and for different types of stakeholders in the payments industry (e.g. issuing banks, acquiring banks, payments schemes, merchants, payment providers). His recent projects have included developing the strategic payments roadmap for one of the largest French banks, analysing the savings generated by key actors within the travel sector, and working for the largest supermarket chain and largest fuel operator in Australia.
Within EDC, Grégoire is part of the global team working on mobile financial services. He has contributed to the development of a strategy to create a new European mobile payment instrument and he is a key contributor to the yearly Advanced Payments Reports published by EDC and Payments, Cards & Mobile. Grégoire also plays an active role in the EDC Retail practice, writing white-papers on integrated multi-channel strategies and speaking at conferences.
Grégoire holds a Masters in Applied Mathematics and Computer Sciences from both Grenoble Institute of Technology in France and Barcelona Tech (UPC) in Spain.
Some of the projects he’s led include orchestrating a market assessment and developing product recommendations for a consumer and commercial cards issuer in multiple Asian markets, formulating a strategy for entering multiple Latin American markets with a portfolio of payment services, generating interbank fee recommendations for a player launching real time payment services, developing the strategy for dynamic currency conversion services for a closed loop global player, and devising the mobile payments strategy for a leading European mobile network operator. Javier has extensive experience partnering with the C-suite and key stakeholders of card issuers, acquirers, payment processors, bank associations, MNOs, brand/networks and other financial institutions throughout the US, Europe and Latin America to devise and execute growth strategies and drive profitability.
In addition to payments, Javier’s financial services expertise spans across wealth management, asset management and brokerage services. Prior to joining EDC, Javier was Managing Director of Strategy at Charles Schwab and Director of Strategy at Ameriprise Financial (previously American Express Financial Advisors). During this time Javier led multiple organic and inorganic growth initiatives, spearheaded in-depth portfolio revisions of products and services, and actively influenced long term strategic plans.
Prior to this, Javier was a strategy consultant at The Boston Consulting Group and at Opera Solutions. He holds an MBA from the Tuck School of Business at Dartmouth College, and received his B.S., with honors, in Industrial and Systems Engineering from the Instituto Tecnológico y de Estudios Superiores de Monterrey (ITESM). Javier is fluent in English and Spanish.
Manika has been working on several prepaid projects with issuers and processors, which have included sizing the prepaid potential in a number of markets and assessing any competitors and their products. Closely aligned to that, Manika has been working within the mobile space to develop payments strategies for mobile operators. In particular Manika has been working to develop remittance based products for such mobile operators for key African, Asian and Eastern European corridors.
Manika has led the development of a knowledge database for the firm, dedicated to the merchant acquiring and acquiring processing business structures across Europe. As such, she has been involved with projects with acquirers, PSPs and merchants for payment mix optimization, including alternative forms of payment, cost of acceptance, NFC and loyalty.
Most recently at MasterCard he was responsible for developing and managing global strategic alliances and enterprise partnerships with non-traditional customers (ie: non banks) including payment processors, merchants, telcos and technology enablers. Martin is an experienced project manager and has delivered projects for clients across international markets on a variety of banking and payments topics.
Martin holds a BSc from Manchester University and an MBA from Cass Business School, London. Martin speaks German and conversational French.