Head of AML/CFT Department, Ziraat Bank
Ivana is a Certified Anti‑Money Laundering Specialist with over 10 years of AML/CFT experience in the Montenegrin banking sector. As Head of the AML/CFT Department at Ziraat Bank Montenegro, she oversees the bank’s compliance framework, ensuring alignment with national regulations, FATF standards, sanctions requirements and effective transaction monitoring. Her expertise includes AML system development, team leadership, and delivering training across all three lines of defense, as well as building robust processes for identifying and mitigating financial crime risks.
Solution Consultant & Fraud Expert
Lukáš, an enthusiastic and seasoned fraud fighter, brings extensive experience working with dozens of banks across Europe. In his session, he’ll break down the tools and tactics criminals rely on today, explain why becoming a fraudster has never been easier, and uncover the systemic weaknesses that continue to leave financial institutions exposed. His hands‑on work across a wide spectrum of real cases gives him a rare, behind‑the‑scenes view into how fraudsters think, adapt, and refine their methods — insights that help banks understand the threat not just as it is today, but as it’s rapidly evolving.
Head of the Department for Financial Investigations, Financial Police Office Republic of North Macedonia
Lidija is a financial crime investigator with nearly 12 years of experience at the Financial Police Office of North Macedonia. She leads the Department for Financial Investigations and serves as Chief of Staff, overseeing cases involving financial crime, money laundering, financial intelligence, asset tracing, and the analysis of bank accounts and financial flows. Her work centers on reconstructing complex transactions, identifying irregularities, tracing illicit funds, and analyzing financial evidence for criminal proceedings.
Financial Crime & Digital Fraud Prevention Leader
With almost two decades of experience in the banking sector, Rovena brings expertise in AML/CFT, fraud prevention, transaction monitoring, data protection, and financial crime governance. Her work focuses on the evolving financial crime challenges in digital banking, including identity fraud, mule accounts, and payment fraud. Drawing on hands-on experience building and strengthening financial crime controls, she offers a practical perspective on how technology, human judgment, cross-functional collaboration, and effective governance must work together to prevent and respond to fraud.
Head of AML, BPB & Dep. Chairman of AML Committee at Kosovo Banking Association
Banking professional with 19 years of banking experience, especially in compliance and control functions. In addition to leading the AML Function at several banks, Albert was involved in numerous projects related to the legislative and regulatory framework of the banking industry. His highlighting accomplishments include the incorporation of international banking standards into compliance and control banking functions. His area of expertise covers Corporate Governance, Internal Audit, AML and Regulatory Compliance.
Assistant Professor, University of Montenegro & President, Women4Cyber Montenegro
Andreja's academic and professional work focuses on cybersecurity, cybercrime, AI regulation, electronic evidence, digital trust, and EU digital regulation. She works internationally as a consultant and contributes to regional and international initiatives on cyber resilience, digital transformation, institutional capacity building and responsible AI. Her work combines legal expertise, cybersecurity governance and policy analysis, with a particular focus on emerging risks created by AI-enabled fraud, synthetic media and digital evidence.
Fraud Fighter & Principal Solution Consultant
Vojtěch delivers a deep dive into the surge of scams and investment frauds, drawing on 10 years of experience helping banks strengthen their fraud‑fighting capabilities. He brings frontline lessons from across the fraud‑risk community, showing how criminals blend psychology, social engineering and rapidly evolving technology to deceive customers at scale. His talk highlights why modern defense requires close collaboration between institutions, real‑time intelligence sharing, and smart, human‑aware technology that can detect manipulation before money moves.
Chief Information Security Officer, Association of Serbian Banks
Tiodor is a cybersecurity professional with over 25 years of experience in the banking and financial sector. Currently serving as the Chief Information Security Officer at the Association of Serbian Banks, he plays a key role in shaping the strategic defense of the digital banking ecosystems. Throughout his career, he has focused on mitigating advanced security risks, combating complex social engineering schemes, and driving regulatory compliance. He is a strong advocate for threat-intelligence sharing and cross-border cooperation as vital components in countering modern financial fraud networks.
