Our Team

35 Experts who make it happen

An A-team. Each of our team members has an average of 15 years of expertise of supporting tier-1 Payment sector companies.

We have assembled this pattern of success to serve your needs. 100 Tier-1 companies have trusted these team members to implement critical projects. The STRATGranat team have cultivated professional relationships with nearly 10,000 sector players and professionals. Our team is fluent in 9 languages: English, Dutch, Flemish, Spanish, French, Turkish, Italian, Catalan and German

We are on your Team !

Acting on your behalf, alongside other team members from your organisation. Our A-Team is committed to fast and easy business, keeping in mind that transparency, loyalty and confidentiality are the rules governing our relationship. 

Interested in joining the A-Team ? Get in touch

Kevin Smith
25 years' experience
(Visa Europe, Lloyds, Switch Card Services) 
Carolyn Harrison
25 years' experience
(FCA, Emailage, Judopay, Assured Clarity) 

Senior Vice President, Head of Fraud Management

Kevin is an accomplished business and product development strategist, with risk, fraud and compliance oversight. Nearly 17 years at Visa in Europe and internationally, he has led the development, enhancement, acceptance and marketing of innovative technology products / services within the global electronic payments sector. As a consultant, he engages stakeholders with respect to fraud, risk, compliance, governance, payments innovation and business development. He has built a robust network of payments industry, retailer, public sector, regulator, Telco and media contacts across Europe and internationally. Kevin is a Certified GDPR Practitioner, member of Vendorcom, and Scotch Malt Whisky Society

Managing Director, Consultant, Adviser, Educator 

Carolyn, a very experienced business leader across many sectors, latterly helping clients at a board level to ‘Manage their Risk and Protect their Reputation’, creating organisational resilience. GDPR provides the perfect opportunity to address the whole mismanagement of information culture, which has led to the current problem of cyber breaches and huge data losses. As a consultant she also oversees information security, data protection, regulatory compliance (including ICO27001, PCI DSS etc) as well as marketing, business development, education and awareness programmes. Carolyn is a Certified GDPR Practitioner and DPO, Marketer (CIM). She is an Advisory Council Member for Global Cyber Academy, and lifetime member of EEMA.

Ludovic Denis
30 years' experience
(Experian, BNPP, Crédit Agricole, Natixis) 
Franz Guttenberger
13 years' experience
(Omniga, B4Payment, Siemens VDO)

Investor, Venture Partner, Board Member, President 

Experienced Entrepreneur and Board Member with a demonstrated history in banking services. Successfully created companies and sold them to industry leaders. Skilled in Payments, Banking and E-commerce. Strong business development professional . Ludovic is presently Venture Partner at Seventure Partners (Leading Franco-german VC).


Franz, born 1981, graduated in economics and politics and is working more than a decade in the international banking and e-commerce sector. During this time, he focused on alternative payments and benefits of the risk diversification in the SEPA economy. 2014, he founded b4payment a banking enabler for PSPs to process SEPA payments and achieved a deep knowledge about different payment licenses in the EU. Franz has a Politics and Economics M.A. (University) and is Board Member/Shareholder certified by Bank of Lithuania

Victor Bacre
12 years' experience
(Gamigo, Just A Game, Plug-In Network) 
Michaela Verstraeten
18 years' experience
(Nike, Levi Strauss & Co, Richemont, Ravelin)

Director of Business Development and Payment

Victor is currently acting as a Principal Consultant for various financial institutions and merchants, for a wide range of topics such as merchant credit card acquiring, fraud prevention, digital content monetisation, as well as general counselling on online payments. He is a seasoned consultant, with many years of experience in online game publishing and payment services across Europe and Asia. 

Fraud & Payment Specialist

Michaela has years of experience as a consultant assisting companies with Fraud & payments strategy, systems selection & implementation and specializes in providing in house custom trainings for Customer Service, Marketing, Fraud & payments teams. Whilst at Nike Michaela was instrumental in bringing the MRC to Europe and as a founding member of the European Advisory Board served for 5 years. Her consultancy has successfully aided numerous companies overcome serious fraud challenges and been involved in the implementation and launch of high profile websites.

Yolanda Cagigas
21 years' experience
(Accenture, Vodafone, Telefonica, Telmex)  
Steven Mandurano
15 years' experience
(MRC, Airport Executives, Consumer Rights Coalition)

Coach and Consultant

Yolanda is a professional coach and expert consultant. After 20 years in information technology consulting, managing work teams and as head of industry and business development, and due to her passion for people, she came naturally to the specialisation around Coaching, NLP, Mindfulness and Emotional Intelligence. As a founder of ToBeSingular and associate of STRATGranat, she is focused in developing the soft skills and competencies, to generate employee well being and, therefore, greater business performance. Yolanda has a degree in Theoretical and Fundamental Physics. University of Cantabria (UC), a postgraduate courses at the Institute of Astrophysics of the University of Cantabria, she is certified in Pedagogical Adaptation. University of Cantabria, specialist in Coaching, EI and NLP by the University Rey Juan Carlos, associated and Certified Coach by ASESCO, MBSR (Mindfulness Based Stress Reduction) by a trainer of Center for Mindfulness at the University of Massachusetss Medical School.

Jamon Whitehead
13 years' experience
(Backcountry.com, Paladin Fraud )  

Director of Marketing

Steven is an accomplished marketing communications and public relations executive with 15 years’ experience leading traditional, digital, inbound, content, multi-channel and brand marketing initiatives whilst increasing lead generation, sales, engagement, and awareness.  His tenure has largely been with smaller corporations, nonprofits, membership and trade associations, and most recently Steven has led the direct response marketing initiatives accounting for nearly 90 percent of organisational revenue and generating $6 million. In 2018 Steven was named to the coveted Forty Under 40® list by Association Forum and USAE, a leading authority for association management and nonprofit executives. Steven has several degrees: Bachelor of Arts; Master of Business Administration with a concentration in Marketing (est. 2020), Graduate Coursework in Integrated Marketing Communication. He is also Certified Association Executive (CAE credential), Teaching English As A Foreign Language (TEFL Certificate), Customer Service Fundamentals (Georgia Perimeter College). Steven is a member of Titans Marketing Masterminds and the American Society of Association Executives.


Juan Manuel Cabello
16 years' experience
(Unilever, Barrabes, Codecheck.info) 

Sr. Manager of Payment and Risk Operations

With 13+ years of experience in the CNP payment and risk industry Jamon has an extensive experience with operational management of the complete payment and transactional risk life-cycle which includes but is not limited to the merchant / acquirer relationship, risk based data mining, automated / manual review management and chargeback processing and analysis. In his current role at Paladin Fraud, Jamon focuses on offering merchants insight on systems, tools, strategies, vendors, and industry trends to ensure protection against fraud. His unparalleled team has decades of experience in the fraud prevention realm, guiding them with a thorough and customizable approach. Jamon is a member of the MRC, CNP, and Payments Ed Forum. 

Global Senior Finance Manager & Start-Ups

Juan has more than 15 years of experience in blue chip fast moving consumer goods companies such as Unilever in finance and business strategy. Strong analytical thinking and change catalyst. Strong finance business partner with a reputation to drive performance and team development. Consistent high performer with international experience Latin America, Asia and Europe. In addition, Juan is continuously collaborating with Start-Ups CEO/Founders in scaling up global projects. Juan has a Master and Bachelor in Economics in Universidad de San Andrés, an exchange partner of Instituto de Empresas, Spain and University of St. Gallen, Switzerland.   

Marc Nieto
15 years' experience
(American Express, Living Social, MPServices) 
Maria Simon
17 years' experience
(Ketchum/Fleishman/Omnicom PR) 

Founder, Adviser Payment & Fraud

Marc is a professional with proven analytical/strategic skills. Extensive experience in online payments & risk management. Strong background in developing and launching new payments methods in a star-up environment Specialities: Online services; Project Management. In 2015, he created MPServices, a company specialised in outsourcing processes related to online payments and fraud prevention. Marc is also Payments and Fraud expert for aDigital, the Spanish eCommerce association, member of Payments Committee of the Bank of Spain, and member of the Committee of Payments and Fraud in Ecommerce Europe.

Special Events Director

With a Master in Marketing, Advertising, Communication, Commercial Management and ecCmmerce, Maria has 17 years of experience in producing events for many renown B2C and B2B multinationals. Her last Director positions at Ketchum/Fleishman/Omnicom PR,  Comunica + A, and Global Events, confirmed her top event production skills for clients such as P&G, Hugo Boss, Oracle, NH Hotel Group, Mahou San Miguel Group, Pfizer, Symantec, IKEA, Vodafone, Renault, and Universia Santander, 

Steffen Karsch
13 years' experience
(SAP, Virtusa) 
Anabel Requena
21 years' experience
(Robotics Institute, Bertelsmann , Ringier AG)

Consultant, Specialist in integration projects

Steffen has a passion of advancing SAP Financial processes and he is a domain and product expert in the Payments, Bank Connectivity and Bank Account Management area. With a strong multi-cultural background, he has been in the IT industry for over 13 years gaining international experience in Cash Management, Electronic Banking and strategic involvement in Global Payment Factory projects for large Multinational Clients.

Business Coach, Trainer and Consultant

Anabel is a trained coach by ICF standards and has 21 years of experience as management consultant. Anabel joined the High Potential Programme of the Bertelsmann AG in 1994, straight after receiving her master degree in economics. She was in charge of strategic projects and took on the operational management of launching a B2B magazine. Since 1998, Anabel has been a successful consultant with focus on media companies (printing plants, distribution, logistics, sales and marketing). Anabel has complemented her comprehensive practical experience as consultant through an ICF Accredited Coach Training Program

Pierre Willaert
18 years' experience
(Ingenico ePayments, Ogone Payment Services) 
Jesus Perez Batlles
14 years' experience
(Groupalia, Alea Gaming, Payscout, Security Bank)

Director MarketPlace Solutions, Regional Head, Account Management

Experienced International Business Development Expert & Consultant with a more than 18 years experience in Fintech. Proven track record in growing Start-up and Scale-up into the next stage, with a focus on Online Payment Services, Business Development, Sales & Operations. Core Expertise: International Business Development, ePayments Solutions & MarketPlace, FinTech & SaaS, Strategic Sales Planning, B2B / Up & Cross-Selling, Product Evolution Management, Recurring Business Models, Profit & Loss (P&L) Accountabilities, PR & Communication and People Management.

Head of Payments and Fraud, Head of Products & Innovation

Innovative thinker and results driven with passion about making things happen. Aiming to change the ecommerce landscape by leading and developing partnerships, new business, internal capabilities, and strategies across the digital ecosystem. Jesus has a MBA and is Certified Product Manager (AIPMM) and in Digital Currencies (Blockchain UNIC).

Simon Leach
21 years' experience
(Amazon, Travelex, British Airways, Barclays)
Philippe Depautex
21 years' experience
(Disney, Sony, Media Markt, Value Retail)

Director, EU Operations Transaction Risk Management

Simon has over 20 years’ experience in global payments, eCommerce, fraud and risk management. He is an accomplished consultant with a proven track record of developing effective risk management programmes and controls; strong stakeholder management; driving significant business change and growing profitable businesses within Financial Services, Retail & Leisure sectors. Simon’s previous engagements include working with banks, the card schemes and financial services institutions, payment and technology providers, telecom operators, corporate, merchants, and government organisations. Simon education includes INSEAD – Executive Leadership Programme, ABTA - UK Board Member, Professional Media Training and several Global Leaders Programme: Strategic Planning - Ram Charan & Jeet Chopra; Competitive Advantage - Michael Brimm; Customer Focussed Quality - Richard Whiteley.

Managing Director

With over 21 years of experience as Retail executive across Europe. Philippe is our Omni-channel expert. He covers topics including relationships between stores & web from a payment, logistic, revenue recognition, employee engagement, customers communications, etc. He is an e-Commerce enabler from start-up to growth acceleration as stand-alone business or incorporated in big companies. Philippe is a Six Sigma Black Belt. He is a Merchant Risk Council Europe (MRC) co-founder and former European Advisory Board co-Chairman and a former BeCommerce board member.

Amleto Montinari
15 years' experience
(JP Morgan, Chase Paymentech, PayPal) 
4 more to be announced

Strategy Consultant, Analyst and Adviser​

Amleto is the former Vice President of Strategy and Head of Product for JP Morgan (Commerce Solutions, Europe). There he focused on picturing the existing digital payments landscape for Europe. He analysed the offering and strategic positioning of the different European payment players. His work resulted in continuous recommendations to grow the business. Amleto excels at building clear strategies starting from
both quantitative and qualitative data. MBA with Honours in Political Economics.

Noam Limor
14 years' experience
(Stucco Media MarketPlace, Israeli Defence Forces) 

Lawyer, eCommerce Consultant​

Noam is an experienced Product Manager with more than 10 years of management experience in R&D, studio, and product teams with expertise in B2B2C products. In the last 4 years, He led the product team for a rising startup focused on developing its online new UK marketplace. In addition to his managerial role, Noam directly led the sensitive e-payment section. As an expert in eCommerce, online marketing, and business plans, he is also a consultant for startups. Noam is a certified lawyer who holds degrees in both law and economics, as well as an MBA from Tel Aviv University.

Son Nguyen
20 years' experience
Orange, AccorHotels, Edenred, Veepee, Auchan

Specialist Payment & Fraud

Son is an experienced specialist with over 20 years of experience in the payment and fraud sector for eCommerce and banks. He has extensive expertise in the Market & Business field and is passionate about innovation and user experience. With a background in Technology & Solution, he is a highly recognized Payment and Fraud Expert in the industry. Son has held multiple strategic advisory and partnerships roles as well as being involved in regulatory workgroups and professional associations.

Dimitris Konstantios
8 years' experience
(University of Piraeus, Greece) 

Strategy Consultant, Analyst and Adviser​

Dr. Dimitris Konstantios is Post-Doc researcher at the Economics Department of the University of Piraeus, Greece. His research lies in studying the relationship between innovation and finance. Moreover, he is interested in the areas of Sustainability and Corporate Finance. Dimitris holds a Ph.D in Economics (Essays on Innovation and Finance’, 2018) from the University of Piraeus, an M.Sc. in Economic and Business Strategy from the University of Piraeus (2014), and a B.Sc. in Mathematics from University of Patras (2010). Dimitris has been a tutor of various macroeconomics and finance courses at graduate and undergraduate level at the Economics Department of the University of Piraeus.

Thierry Coopman
20 years' experience
N26, Ingenico Group, Keytrade Bank
C.C. ID disclosed at signature
12 years' experience
Former Head of Data Analytics of one of the most advanced global Merchant in the technique

CTO – Senior Associate 

Thierry has been instrumental at building up at least two financial institutions from the ground up, always coming from the technology first angle, within ambitious startup context. 
Background in Internet Technologies, keen interest in digitalisation and user experience, where technology supports achieving business goals. Having experienced exponential growth (scale-up), continuous change in business objectives (startup), and integration challenges (takeover/merger) for the last 20 years within the Financial Industry general and the Payments industry specifically, makes him a seasoned senior manager/expert.
Working in PSD2 related topics, Payment institution, e-money issuing, and more recently TPP services as well as business contexts like acquiring, payment instrument issuing, marketplace, payment facilitator, SDWO provides a solid operational background.

Acquiring specialist, event producers, compliance and PCI advisers, US...

Stay tuned for some premium incorporation to our team to be announced by end September.

Jaume Miro 
Issuer experience
Verse, La Caixa, PwC


Fraud Specialist

Jaume has a degree in engineering and has professional experience as a consultant and product manager. Over the last four years, he has been working on turning data into valuable insights that allow improvements in performance and control over key processes.

Recently, as a project leader for Big Data and operational innovation for fraud in Caixa Bank Payments, the number 1 issuer in Spain. This involved moving from rules based to machine learning, leveraging as many data sources as possible, as well as streamlining the chargebacks process. Currently, he is COO at Verse, a fintech that has transformed payments.

Jaume engages in a very selected number of expertise projects with STRATGranat.

Experience that makes the difference