Ruth Wandhöfer is a regulatory and FinTech expert in the financial services space and one of the foremost authorities on banking regulatory matters. Ruth's key responsibilities include driving regulatory and industry dialogue and developing product and market strategy in line with the evolving regulatory and innovation landscape. Ruth chairs a number of influential industry bodies such as the Global Public Policy and Regulatory Affairs Committee of BAFT, the European Banking Federation Payments Regulatory Expert Group and the European Payments Council (EPC) Payment Security Group. She is also a board member of the EPC and the EBA Association, a member of the European Commission Payment Systems Market Expert Group (PSMEG), a member of BAFT’s Global Innovation Council, a member of the European Biometrics Advisory Council and a member of the UK Payment Systems Regulator Payments Strategy Forum. She is a non-executive director at Pendo Systems, a US data analytics company. She is also member of the advisory board of Coinfirm, a blockchain AML and risk analysis and reporting firm as well as an advisor to Tradle, a blockchain KYC solutions provider. In addition she advises Digital Space, a VC fund in the payments field and has a broad network of FinTech Accelerators and FinTech VC. In her spare time she pursues a PhD on blockchain/distributed ledger technology in relation to financial market infrastructures at CASS Business School London. She is also a founding member of the Global Blockchain Business Alliance and a Fintech Fellow of the Centre for Global Finance and Technology at the Imperial College Business School London. In addition she is a fellow lecturer at Queen Mary London School of Law. 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 (Sunday Times), and one of the 100 Most Influential People in Finance 2012 as named by Treasury Risk Magazine. In 2015 she was the recipient of the ‘Women in Banking and Finance Award for Achievement’ and in 2016 she was named on the global ‘Women in Fintech Powerlist’ of Innovate Finance. She speaks five languages (EN, DE, F, ES, IT) and has completed studies in various countries, including an MA Financial Economics (UK), an MA International Politics (FR) and an LLM in International Economic Law (UK). She published two books: “EU Payments Integration – the tale of SEPA, PSD and other Milestones along the Road” (2010) and “Transaction Banking and the Impact of Regulatory Change: Basel III and other challenges for the global economy” (2014), both Palgrave MacMillan.