Mr. Philip Koshy, General Manager of Al Mulla Exchange, is a seasoned leader with over three decades of experience in cross-border money transfers, forex solutions, and payment systems across the GCC. Renowned for his expertise in business development, regulatory compliance, and digital innovation, he has been instrumental in establishing market leaders like Al Mulla Exchange in Kuwait and Modern Exchange Co. in Oman. With a significant tenure at Western Union and a deep understanding of financial systems, Philip has driven transformative innovations, including automated kiosks and mobile applications, setting industry benchmarks. A CFA Level 1 candidate with advanced leadership training, he is committed to advancing the remittance sector and fostering financial inclusion.

As Director of Product at Remilty, overseeing the GCC region and leading global initiatives, Mr Parakal brings over a decade of distinguished expertise in the remittance industry. His career includes pivotal roles with major financial players in the Middle East, such as General Manager of BFC Payments in Bahrain and Head of Product at Lulu Financial Group. Renowned for his strategic vision and product innovation, he has been instrumental in driving growth and transformation within the remittance and payments sector across the region.

Mr Suraj, Senior Vice President at Mastercard, leads the global network and operations for Mastercard Move, bringing a wealth of expertise in fintech and cross-border payments. With leadership roles at industry giants such as Remitly, Thunes, Western Union, and Travelex, he has cultivated deep insights into the commercial landscape of the sector. Suraj is renowned for driving market expansion initiatives and leading high-performing global business development and operations teams, positioning him as a transformative force in advancing innovative payment solutions worldwide.