About EPC

EPC Office Holders


Javier Santamaria

EPC Chair
Javier Santamaría is the Chair of the European Payments Council (EPC) since June 2012. He has been a member of the EPC since its creation in 2002. Mr Santamaría, former Head of Operations and Business Services, was Senior Vice President with Banco Santander until December 2016. He was a member of the Board of the Euro Banking Association, a Director of the SWIFT Board and of the Iberpay Board also until the end of 2016. As an independent, self-employed professional, Mr Santamaría accumulates a holistic and balanced expertise along the confluent dimensions of payments —business related, operational, technical—, across the different client segments and product lines, in the legacy and the innovative spheres. He has been immersed in both cooperative and competitive environments. Besides payments, he is keen on other banking fields and, also, continues to be actively engaged in academic matters.

Narinda You

EPC Vice Chair
Narinda You is Head of Strategy and Market Issues at Crédit Agricole – Payment Services. Prior to joining Crédit Agricole, she worked with Crédit Lyonnais where her extensive portfolio featured assignments in corporate banking, communication and marketing as well as corporate market organisation and governance. With Crédit Lyonnais, Ms You also held the position as Head of Market Infrastructures and Innovation. She has been a member of the EPC since 2004. In addition, Ms You represents Crédit Agricole in various other industry bodies both at national and European level including in the Euro Banking Association and the French Banking Federation. Ms You chairs the Payments Services Working Group of the European Association of Co-operative Banks.  

Etienne Goosse

EPC Director General
Etienne Goosse has extensive professional experience across different sectors in the payments industry. He started his career with the Belgian central bank. He held executive positions at eurocheque International, Europay International and MasterCard Europe. In his previous assignments, Mr Goosse’s responsibilities included franchise management, legal and regulatory affairs, stakeholder management as well as finance and administration. He also has an extensive track record in managing governance as well as European and public affairs.

Jean-Yves Jacquelin

Scheme Evolution and Maintenance Working Group Chair
Jean-Yves Jacquelin is French yet lives in Vienna since 1983. He joined Erste Bank Vienna in 2000 in the processing area in charge of payment systems strategy. He is currently in product management, responsible for the SEPA Strategy and SEPA Migration of Erste Bank. His professional experience is with international banks in Vienna (Chase Manhattan Bank, Credit Lyonnais, ABN AMRO) in leading positions in Payments, Correspondent Banking, Securities, Back Offices, Electronic Banking, Cash Management and Customer Support. Mr Jacquelin has served as a member of various EPC working groups focusing on the development of the SEPA Credit Transfer and SEPA Direct Debit Schemes in close dialogue with the customer community since the creation of the EPC in 2002. He served as a member of the EPC SEPA Payment Schemes Working Group (SPS WG) since 2008 prior to being elected Chair of the SPS WG in 2012.

Claude Brun

Cards Working Group Chair
Claude Brun is now Managing Director at the Banque Européenne / Crédit Mutuel-CIC Group. In his role, Mr. Brun is responsible for the Group’s means of payment activities, including strategy and product management. He also participates in the governance of the following organisations: SOFEMO, FIVORY, STET, SEPAMAIL, EPAC (European Payments Advisory Committee) of MasterCard Europe, FBF (Fédération Bancaire Française). Mr. Brun is a specialist in the cards and payments business and joined Crédit Mutuel-CIC Group from IBM, after the Centre National de la Recherche Scientifique (CNRS) in France, being a research scientist in nuclear physics and chemistry.

Leonor Machado

Cash Efficiency Working Group Chair
Leonor Machado is General Manager at Caixa Geral de Depósitos with responsibilities in the area of payments. Ms Machado has had a long career in the banking industry and gained extensive experience in cards, marketing, retail and commercial areas. She is also the Chair of the Portuguese Single Euro Payments Area (SEPA) group. With a background in economics, Ms Machado worked in various fields including international trade and cooperation and development before joining the banking sector.

Gijs Boudewijn

Legal Support Group Chair
Gijs Boudewijn is currently Deputy General Manager of the Dutch Payments Association. Before that he was responsible for payments at the Dutch Banking Association. He has extensive experience in domestic as well as international payments issues, competition law and fraud prevention. He started as an in-house lawyer at a large savings bank, and later became Head of Legal Affairs at the central Dutch clearing house, Bankgirocentrale, the predecessor of Equens SE. In that capacity he sat on the Rules & Conciliation Committee of eurocheque International S.A. and later Europay International SA, now MasterCard Europe. In 1998,  Mr Boudewijn joined the Dutch Banking Association as Head of Payments and Security Affairs, and in 2014 became Deputy General Manager of the new payments association. He is also Chair of the Payment Systems Committee of the European Banking Federation.

Ruth Wandhöfer

Payment Security Support Group Chair
Ruth Wandhöfer is a regulatory expert in the field of banking and one of the foremost authorities on transaction banking regulatory matters. She is Global Head of Regulatory and Market Strategy for Citi's Treasury and Trade Solutions business. In this role Ms Wandhöfer's key responsibilities include driving regulatory and industry dialogue and developing product and market strategy in line with the evolving regulatory landscape. Ms Wandhöfer chairs a number of influential industry bodies such as the Global Public Policy and Regulatory Affairs Committee of BAFT (a global trade body that represents the particular interests of the transaction banking community), the EU-wide banking industry Payments Regulatory Expert Group which plays a leading advocacy role on behalf of the banking industry in relation to all payments related legislative developments and the European Payments Council Payment Security Support Group. She is also a member of the European Commission Payment Systems Market Expert Group (PSMEG). She completed studies in various countries, including an MA Financial Economics in the UK, an MA International Politics in France and an LLM in International Economic Law in the UK. Ms Wandhöfer regularly publishes and lectures on the subject of banking and payments law.

Kirstine Nilsson

Nominating and Governance Committee (NGC) Chair



Maurice Crowley

Audit Committee Chair
Maurice Crowley is Director of the Banking & Payments team at the Banking & Payments Federation Ireland (BPFI). His remit covers Retail Banking, Capital Markets & Risk and Payments and he is actively involved in banking and payments issues at both national and EU level. Mr Crowley has over 26 years’ experience in Capital Markets and Retail Banking with Allied Irish Banks (AIB) in Ireland and the USA. During this time he held various general management roles within the bank, including Chief Financial Officer, Allfirst Bank USA, HR & Market Strategy as well as Product Management and eChannel Development in AIB, Republic of Ireland. Before joining BPFI, Mr Crowley was Programme Director for the acquisition/integration of EBS Building Society under the AIB umbrella. He holds an MSc Business Administration from Trinity College Dublin and is a fellow of the Institute of Chartered Accountants.

Gilles Leflambe

Scheme Management Board Chair
Gilles Leflambe has broad experience in banking and financial services. He served as Director Central – Head of International at Caisse Centrale des Banques Populaires and then as Deputy-Head of Banking Services at Société Générale. At SWIFT, he was in charge of the design and build of the SWIFTNet network. Mr Leflambe also worked as an international consultant for the banking and IT industries and later as a sales executive responsible for developing the worldwide sales of Systar, a company providing business activity monitoring services in the banking and securities industries. He has been a member of the SWIFT Board, of VISA International, Chairman of Carte Bleue in France and of the French SWIFT Users Group. As a result of his extensive professional experience, in-depth knowledge of market infrastructures and participation in many international working groups, he has a global view of the payments and cards industries worldwide. Mr Leflambe is now retired. 

Barbara Hadfield

Compliance and Adherence Committee Chair
Barbara Hadfield is a chartered accountant and was previously a partner in an international professional services firm. Mrs Hadfield spent 34 years working in the accountancy profession including 24 years as an audit, corporate finance and advisory partner with experience in several industry sectors including banking and insurance, compliance, risk assessment and corporate governance for a wide range of European and international clients. She was an Operations Partner and member of her Office Management Board, a member of the firm’s Diversity Panel, Regional Head of Compliance and also an Office Managing Partner. She is currently a member of the Development Committee for a City of London Livery Company.

Michael Hawkins

Appeals Committee Chair
Michael Hawkins is Chief Executive of the Brentwood Chamber of Commerce. He previously held managerial positions with, among others, HSBC, the Royal Bank of Scotland and NatWest Bank as well as with Unilever and British Oxygen (BOC). He served as Chairman of MasterCard UK, Chairman of the Switch Debit Card Scheme UK (later Maestro), Alternate Director on the MasterCard Europe Board and Chairman of the MasterCard Europe Board Sub Committee - Rules & Conciliation Committee. Since 2002, Mr Hawkins also acts as an independent banking consultant specialising in payments, particularly advising on regulatory issues and arbitrating disputes. He holds a Banking Degree ACIB and is Fellow of the Chartered Institute of Company Secretaries (FCIS).

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