Timo Ritakallio has worked as President and Group Chief Executive Officer at OP Financial Group from 1st March 2018. Before that he worked at Ilmarinen Mutual Pension Insurance Company as President and Chief Executive Officer since 2015 and as Deputy Chief Executive Officer and Chief Investment Officer between 2008-2015. Previously Timo Ritakallio has worked for 20 years in various top management positions in the banking industry.

He has taken Master’s degree in law (LL.M.) in the University of Turku in 1985, Master of Business Administration (MBA) in Helsinki University of Technology, Helsinki in 2001 and AMP (Advanced Management Program) in Harvard Business School, Boston, USA in 2006. In 2016 he left Aalto University with a degree of Doctor of Science (Technology).

Mr. Malmer joined SEB in 2011 as Head of Financial Institutions Coverage, before becoming a member of the Group Executive Committee as Head of the Wealth Management division in 2015. In 2016, he became Co-Head of the Corporate & Private Customers division within SEB.
In April 2018 Mr. Malmer was appointed Head of the SEBx-project, a strategic initiative to explore new technologies and new customer offerings.

Prior to joining SEB, Mr. Malmer spent nine years at Goldman Sachs in London where he in 2007 was made Managing Director and head of the European Equity Research Team, covering Financial Institutions. In 2009, he moved back to Sweden and spent two years advising Arrowgrass Capital Partners on investments in Financial Institutions. Christoffer Malmer earned a Bachelor of Arts in International Business Administration at the University of Lund in 2000.

Mikko Ayub has been the CEO of Aktia Bank since 2018. Prior, he as worked in several management positions at Nordea, as an analyst at Merita and as an economist at the Bank of Finland.

Katja Keitaanniemi is CEO at OP Corporate Bank plc and Member of the Executive Management Team at OP Financial Group. During her career Katja Keitaanniemi has worked in various management positions in the banking industry and she has also served in the boards of several Finnish enterprises and publicly funded agencies. Keitaanniemi has been on the list of Finland’s most powerful female executives by the business weekly Talouselämä in 2020, 2021 and 2022.

Katja has a Licentiate of Science from Helsinki University of Technology (Paper Technology & Industrial Management) and is also Harward Alumni.

Christin Tuxen, Nordic Head of Direct Banking / Director Business Customers. For Christin Tuxen, it is about creating the best financial framework so that business can help society on its way. With a somewhat nerdy background as a PhD in economics and statistics, combined with more than ten years of experience as a strategist in the currency, fixed income and commodity markets, where she has advised the largest Nordic corporate and institutional clients, Christin has a unique insight into how business, financial markets and social economy play together. On a daily basis, she is responsible for Danske Bank’s more than 150,000 small business customers across the Nordic region and thus has her finger directly on the pulse of business life

Phd (econ) Aki Kangasharju is the Managing Director at the ETLA Research Institute. Before joining ETLA he was the chief economist at the Nordea bank and headed the VATT Institute for Economic Research. During his academic career, Kangasharju published numerous papers in refereed journals and visited international universities, such as the MIT. Kangasharju has also had official posts as a board member at the Innovation fund TEKES and University of Jyväskylä. Currently, Kangasharju is a docent in economics at the university of Jyväskylä.

Nisha works for the Digital Assets team at the Citi Institutional Clients Group.

Nisha also co-authored the recently published Citi GPS report on “Metaverse and Money : Decrypting the Future”, a 184-page analysis on the evolving topics of Metaverse, Web3, Crypto, and DeFi. The report hit 100,000+ downloads in just over 6 months of publication.

A computer-science engineer by background, Nisha has a strong interest in technology and the intersection of technology and finance.

Prior to this, Nisha helped build the Citi Commercial Bank business in Western Europe & Israel, covering start-ups and technology clients since 2018, and was recently leading eCommerce strategy for Citi Commercial Bank in EMEA.

Nisha started her career in 2008, and has had stints in multiple banks across India and UK. Apart from her engineering degree, Nisha also holds a Post Graduate Diploma in Management from Indian Institute of Management, Kozhikode, India.

With background in international investment banking and pharmaceutical industry, Tero operates as an investor, board member and co-entrepreneur in the fintech and life science branches. Tero is currently an investor and board member in five companies, of which three are publicly listed.

Sarah Häger is the Regional Manager for Scandinavia and DACH in Enable Banking where she is evangelising Open Banking, Open Finance and Financial APIs to further accelerate innovation in the financial industry. She has previously worked in several countries (Europe-wide) and along the value chain, with the main mission to provide value for the corporate customers. Her last responsibility in Nordea was to take the open banking vision from PowerPoint to the multi awarded solution of today. She is passioned about innovation, technology and to create commercial opportunities out of regulation.

Fredrik Ulvenholm is CEO at the fast-growing Swedish fintech company Vilja offering cloud-native core banking solutions. With over 20 years of experience from the international fintech scene, Fredrik has gathered invaluable insights and expertise on leveraging the latest technology to create superior customer values. Before joining Vilja in 2017, Fredrik played a vital role as CTO at Emric (acquired by TietoEvry), growing their business from four employees to over 300 employees.

Maciej is a Consulting Director at Comarch (est. 1993), a provider of innovative software and IT services for financial institutions worldwide. He has focused his career on helping banks drive innovation, explore new revenue opportunities, lower operating costs and improve user experience in the area of digital banking for corporate and SME customers.
With career spanning software development, project management and consulting for top banks, Maciej has acquired over 11 years of international experience in technology and business alike, which allow him to provide uniquely insightful solutions to problems faced by modern financial institutions.
As an avid supporter of digitalization, Maciej uses experience gathered among projects for world’s leading banks in Europe, Middle East and Asia to propose optimal strategies towards adopting technologies and serving more and more clients through electronic channels – a scenario very likely to ensure survival and bring success to financial institutions in the post-pandemic times.

Lasse Mäkelä, born 1971 in Finland, is the Chief Strategy and IR Officer of Multitude. He joined Multitude in 2021 to head the mergers and acquisitions (M&A) activities. In addition to this, Lasse leads external communications and is an active contributor to the overall Group strategy, which strongly bridges to IR. Lasse is an international financial and M&A executive with 20 years of broad experience from various investment banking and finance roles. As founder and CEO of Invesdor Ltd., Lasse substantially contributed to the growth of the Invesdor investment platform starting from 2012, growing it to 35 people in five countries in eight years and leading more than 170 fundraising rounds to target companies together with the team. From 2005 to 2012 Lasse worked in management roles with responsibility in M&A, Finance and CFO functions at KONE Corp, Consti Group and Corbel Holding. From 1997 to 2005 he worked at investment bank Merrill Lynch in London and Icecapital Securities in Helsinki focusing on M&A transactions and financing.  Lasse holds a BSc of Banking and International Finance from City University, London, and an EMBA from Aalto University, Helsinki.

Venla Pouru is the Director of Strategy and Growth at Enfuce. Enfuce is one of Europe’s leading payment processors, on a mission to enable fintechs, banks and digital service companies to create next-level payment experiences. Venla is driving the company’s global expansion through opening new geographical markets and industry segments. Prior to joining Enfuce, Venla has worked 10 years in new business building and top management consulting.

Seweryn has over 10+ years of banking experience in Citi and HSBC. He is experienced in building relationships across multiple global geographies requiring sophisticated financial solutions for traditional and digital companies in Citi Digital. His experience and IT knowledge allow offering solutions and IT services for banks, insurers, brokerage houses, asset management companies, investment, pension funds, and fintechs. At Comarch (est. 1993), Seweryn is responsible for business development strategy and building relations with financial institutions in the Nordics.

Vesa Moisio is responsible for Tink’s business development in Finland and the Baltics, focusing on banking & lending clients.

Matti Saarinen is the head of Talenom Finance, a subsidiary of Talenom Plc, where he develops new banking and financial services for SMEs. Talenom Plc (Nasdaq Helsinki: TNOM) is a leading international accounting company that operates in Finland, Sweden and Spain. Previously, Matti did start a software consultancy Vanaja Technologies Ltd (acquired by Talenom Plc) and a mapping technology company indoor.io (acquired by Apple, Inc.) and worked in a number of software development positions.

Sami Uski is leading new business development on Banking for Tietoevry, and is active member in banking ecosystem platform development and collaboration programs to improve consumer experience across industries including real-time economy, instant payment and related value-added services and leveraging Nordic fintech communities. Main focus in recent years has been on payments and credit value chains.

Product leader who always puts data and tech first. All industries can and will be transformed when those to ingredients are added, which I have experienced up close in precious roles within both FX and utilities. My interest in financial markets led me to an exciting journey in the Nordic fintech space where I am proudly empowering customers and lenders in making wiser decisions. The mutual benefits of the platforms we offer really excite me and I am curious about where the lending and comparison space will be in 5 years. Spoiler alert: it will not be what it is today.