Dr. Ruth Wandhöfer is an expert in the field of banking and one of the foremost authorities on transaction banking regulatory and innovation in financial technology matters. After a distinguished career of over a decade with Citi, Ruth is now an independent Non-Executive Director on the boards of the London Stock Exchange Group, Permanent TSB and Pendo Systems Inc. She is also a Partner at Gauss Ventures, Senior Adviser at KPMG’s UK Banking Practice and Adviser at Coinfirm. She continues to focus her passion on bringing the financial industry and the emerging financial digital ecosystem together. Ruth was named as one of 2010s ‘Rising Stars’ by Financial News; named in Management Today’s 2011 ‘35 Women under 35’ list of women to watch and identified as one of the 100 Most Influential People in Finance 2012 by the Treasury Risk Magazine. She received the ‘Women in Banking and Finance Award for Achievement’ in 2015 and in 2016, 2017 and 2018 she was named on the global ‘Women in Fintech Powerlist’ of Innovate Finance. In 2018 she became one of the Top 10 Global Fintech Influencers (Fintech Power 50). She speaks five languages, has completed studies in Financial Economics (MA, UK), International Politics (MA, FR), an LLM in International Economic Law (UK) and a PhD in Finance (UK/NL). She published two books: “EU Payments Integration” (2010) and “Transaction Banking and the Impact of Regulatory Change” (2014), is a Fellow of CASS Business School City University London, a Visiting Professor at the London Institute of Banking and Finance and also lectures at Queen Mary London School of Law.