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Our organisation

As a membership association, the EPC relies on the active contributions of its members with expertise in different aspects of payments.

Our organisation

Without the involvement and technical knowledge of our members it would be impossible to develop and maintain the payment schemes that facilitate over 50 billion transactions each year or to formulate propositions to further harmonise payments.

About 400 payment professionals from across Europe who make up our 77 members and other stakeholders are the true mainspring of the work delivered by the EPC. The 13-person Secretariat team orchestrates and supports their work, which is then approved by the EPC governance bodies.

The EPC Board

Board members are representatives of EPC members (except for the Chair, who may or may not be a representative of a member). Currently formed of 30 members, the Board acts as a collegial body involved in all the EPC’s major activities.
Composition of the EPC Board

Javier Santamaría

Chair of the European Payments Council

Javier Santamaría is the Chair of the EPC since June 2012, and has been one of its members since its creation in 2002. During decades as a bank employee, Mr Santamaría accumulated a broad and balanced expertise in the intertwined dimensions of payments – business-related, operational, technical, regulatory – across different client segments and product lines, in the legacy and the innovative spheres, which he now further develops as an independent professional. He has been immersed in both cooperative and competitive environments. Besides payments, he is interested in other banking fields and continues to be actively engaged in academic matters. Mr Santamaría is also Chair of the Iberpay Board, member of the Board of Directors at the Global Legal Entity Identifier Foundation (Basel-Frankfurt) and member of the Supervisory Board of Western Union International Bank (Vienna). Former Head of Operations and Business Services, he was Senior Vice President at Banco Santander until December 2016. He was a member of the Board of the Euro Banking Association (EBA, Paris-Brussels) and of the Board of Directors at the Society for Worldwide Interbank Financial Telecommunication cooperative (SWIFT, Brussels) until the end of 2016. 


Rita Camporeale

Vice Chair of the European Payments Council

Graduated in Political Science, she worked at the Italian National Central Bank (Banca d’Italia) and then at the European Central Bank from its creation in 1998 until 2002, with the responsibility of coordinating the Oversight Unit within the Payment Systems Policy Division. Her main responsibilities covered wholesale and retail systems, payment instruments, multi-currency foreign exchange settlement systems. In the areas of responsibility, she represented the ECB at meetings of the EU and G-10 central banks, in the contacts with banking supervisors, the EU Commission and national authorities as well as in the ECB’s market contact groups. Back in Italy, she joined the Italian Banking Association, where she works as Head of Payment Systems. Over the years she was Project Manager of ABI’s PSD, SEPA and PSD2 projects – coordinating and supporting Italian banks in their activities to ensure compliance with the PSD/PSD2, as well as migration to SEPA. 
She represents Italian banks in various fora at national and European levels, and in particular in various EBF groups, EPC working groups and ERPB-related ones.
From January 2021, she is Chair of the Payment Systems Committee of the European Banking Federation.

Office holders

The Office Holders chair the EPC governance bodies and other working groups.
Torbjörn Furubjelke

Torbjörn Furubjelke

Cards Working Group Chair
Vice President, Card Industry Affairs at Nordea Bank

Pilar Clavería

Pilar Clavería

Nominating and Governance Committee Chair


Diederik Bruggink

Cash Efficiency Working Group Chair
Head of Innovation and Payments - European Savings & Retail Banking Group

Gijs Boudewijn

Gijs Boudewijn

Legal Support Group Chair 
General Manager of the Dutch Payments Association

Dag-Inge Flatraaker

Dag-Inge Flatraaker

Mobile Payments Working Group Chair 
Senior Vice President at DNB Bank

Barbara Hadfield

Barbara Hadfield

Dispute Resolution Committee Chair
Retired chartered accountant

Alain Hiltgen

Alain Hiltgen

Payment Security Support Group Chair 
Head of Business Security Advice, Executive Director, UBS AG

Jean-Yves Jacquelin

Jean-Yves Jacquelin

Payment Scheme Management Board Chair

Dr. Christian Kleine

Dr. Christian Kleine

Audit Committee Chair 
Head of Operations Personal & Corporate
UBS Business Solutions AG


Frans van Beers

Payment Scheme Evolution and Maintenance Working Group Chair
Manager Products and Standards at Dutch Payments Association


Thomas von der Gathen

Thomas Von der Gathen

Chair of the Payment Scheme Fraud Prevention Working Group 
General Counsel at PSA Payment Services Austria GmbH

The EPC Staff

Our office is based in Brussels and has 13 team members from seven countries.


Giorgio Andreoli

Director General

Giorgio Andreoli is the Director General of the European Payments Council (EPC) from 1 April 2023. He has extensive professional experience in digital financial solutions and innovative services, spanning multiple industries and executive roles.
For over 15 years he has been working in telco sector, eventually serving as Director of Strategic Marketing at Ericsson South-East Europe, where he contributed to starting up the first mobile money program. 
Later, for over ten years, he served as a Managing Director at Accenture, working on digital finance, payments and open banking projects for Italian and European clients. 
Before joining the EPC, Giorgio was working at the European Central Bank (ECB) on the Digital Euro project.


Alexis Horvat

Legal Adviser


Hanna Sainio

Product Manager


Marc Lemaire

Technical Product Manager


Dirk De Bruyn

Manager, Fraud Prevention & Security


Dominique Allebroeck

Product Manager


Bart Clarebout

Senior Product Manager, Payment Schemes


Silvia Di Lillo

Senior Legal Counsel


Azra Dindo



Christophe Godefroi

Senior Manager, Standards and New Developments


Olga Mamaeva

Executive Assistant, Scheme Adherence 


Ruta Murnikaite

Communication Manager 

[email protected]   

+32 2 739 16 92


Helene Rasse

Manager, Administration and Finance


Valentin Vlad

Manager, Cards and Security