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Mr. Ruurd Brouwer



Ruurd Brouwer was appointed CEO of TCX early 2015. Prior to joining The Currency Exchange Fund Ruurd held a number of positions within FMO, amongst which Director Africa and Director Financial Institutions. In the latter function he was responsible for setting up the department and managing FMO’s FI team and the EUR 2 bln global portfolio from 2008 onwards. Lastly he was responsible for Credit Risk, member of FMO’s key Risk Committees and Chairman of the Investment Committee.

Ruurd started his career at the United Nations Protection Force in Zagreb, followed by the Dutch Ministry of Foreign Affairs where he was responsible for Private Sector Development Programs. As of 2007 Ruurd was lecturer International Finance at The Hague University of Applied Sciences and Guest Lecturer at the Erasmus University in Rotterdam. He teaches on Financial Instability, Banking and emerging markets.  Ruurd has been a Supervisory Board and Investment Committee member in a number of financial institutions and PE funds, amongst which Emerging Africa Infrastructure Fund in London and Capital Alliance Private Equity Nigeria. He publishes regularly on the same topics and responsible banking.

He is currently chairman of the Supervisory Board of Regmifa. He publishes frequently on the topics he teaches and on responsible banking. He studied at the University of Caen in France and attained his masters degree in International Finance at the University of Amsterdam.

Mr. Conor McEnroy


Sudameris bank

Conor McEnroy is Chairman of Sudameris Bank.  Founded over 50 years ago, the Bank was acquired by Abbeyfield Group in 2004 from Banca Intesa and in the intervening ten years has grown from $150 million of assets to over $ 1 billion of assets.  The 2014 returns to shareholders were 22%

Conor is a member of the Chairman’s International Advisory Council of the Council of the Americas, the premier international business organization whose members share a common commitment to economic and social development, open markets, the rule of law, and democracy throughout the Western Hemisphere.

He is a member of the Business Council of Latin America (CEAL). CEAL is a network of entrepreneurs from Latin America which aims to promote and encourage the participation of its membership in economic cooperation and exchange activities; and, enhancing the role of private enterprise as an agent of economic and social transformation in the regions that make up this network tool.

He is a member of the Global Irish Network, a selected group of key members of the international business community (Irish Diaspora across 37 countries), which assists in developing Ireland's global business and trade relations and hosts a bi-annual forum to discuss priorities for economic renewal.

He is a member of the Client Advisory Board of the Netherlands Development Finance Company (FMO), a bilateral private-sector development bank based in the Hague, the Netherlands

Mr. Gert Kruger

Chief Risk Officer

Rand Merchant Bank, First Banking Group

Gert Kruger is the Chief Risk Officer of Rand Merchant Bank (RMB), the corporate and investment banking division of FirstRand Banking Group. He leads the team responsible for risk management across all risk classes for RMB’s activities, including market risk, credit risk, investment risk, operational risk and compliance.

Prior to his Chief Risk Officer role, Gert worked in a variety of roles in the FirstRand Banking Group including in Group Treasury, Capital Management and Credit Portfolio Management. Before this he worked in London in the Risk Management consulting business of PwC.

Gert is a member of a number of boards and committees in the FirstRand Group including the RMB Divisional Board, the Investment Committee, FirstRand Credit Committee, Market and investment risk committee and Audit Committee. He is the chairman of the RMB Australia holdings board, the Hyphen pty (ltd) board and is a director on the RMBMS board as well as RMB Nigeria board.

He is a qualified Chartered Accountant and also holds a Masters degree in Financial Economics from the University of London.

Mr. Lawrence Pratt

Senior Lecturer

INCAE Business School

Lawrence Pratt is Senior Lecturer at INCAE Business School (, Alajuela, Costa Rica and Montefresco, Nicaragua), where from 2010 to 2015 he was Director of the Latin American Center for Competitiveness and Sustainable Development (CLACDS). He is founder and director of the Ecobanking Project ( and the Sustainable Markets Intelligence Center ( 

Mr Pratt´s research focuses on the incorporation of sustainability into national, sectoral and company competitive strategy. He serves as a consultant and adviser to numerous financial services companies in Latin America, Europe and the United States, as well as to manufacturing and natural resources firms.

Mr Pratt is a graduate of the College of William and Mary (Virginia, USA), and holds a Master´s degree from the Yale School of Management (Connecticut, USA).   He is a winner of the Aspen Institute Faculty Pioneer Award.

Jurgen Rigterink

Chief Risk & Finance Officer, Management Board FMO

The Netherlands Development Finance Company

Jurgen Rigterink was appointed as Chief Risk & Finance Officer in 2014 after serving as FMO’s Chief Investment Officer since 2008. With an investment portfolio of over EUR 8 billion, FMO is one of the largest bilateral private sector development banks worldwide. FMO creates access to a full range of financial products and services to private sector enterprises in developing markets with a focus on financial institutions, energy, agribusiness and private equity. Through FMO Investment Management we offer institutional investors access to FMO’s expertise in responsible emerging market investing.

Jurgen started his career at Bank Brussels Lambert working in Brussels, Chicago and New York before joining ABN AMRO in 1997. He has since served in a variety of senior positions including Sector Head for Central & Eastern Europe, Middle East and Africa. In 2005, Jurgen was appointed Chairman of the Management Board and Country Executive at ABN AMRO Bank Kazakhstan.

Jurgen has a Masters Degree in Economics from Rijks Universiteit Groningen, the Netherlands, and is also a Member of the Supervisory Board of KIT (the Royal Tropical Institute).

Mr. Bailey Klinger

co-founder, Executive Chairman & Chief Scientist

EFL Global

Bailey Klinger is co-founder, Executive Chairman & Chief Scientist of EFL Global ( He is the creator of the EFL psychometric credit scoring technology, and has led both the research and business initiatives to develop and deploy those tools since 2006. EFL Global is present in 26 countries and has been used to originate over $450m in lending to previously un-reachable low-income consumers and businesses in emerging markets.

Bailey’s research has focused on entrepreneurship, innovation, and productive transformation in developing countries, and has been published in leading Journals such as Science. Bailey also serves as Senior Advisor to the Minister of Production in Peru, and on various boards.

He has a Masters in Public Administration in International Development and PhD in Public Policy from Harvard University.

Ms. Oyunkhand Namsrai

member of Executive Management team

KHAN bank

Oyunkhand Namsrai is a member of Executive Management team of KHAN bank, a privately-owned bank with the widest network of branches and most number of customers in Mongolia.

Oyunkhand has started her career in banking as a Head of Credit department in KHAN bank and has been progressively advancing in her career path. Now she works as a Deputy CEO, Chief Credit Officer, oversees and plays important role in the decision making process of the bank’s lending operation and risk management. 

She has been serving as non-executive director on the Board of Mongolian Mortgage Corporation /MIK/, and currently sits on the Board of privately-owned Credit Information Bureau representing KHAN bank.

She received her degrees from National University of Mongolia (Bachelor of Banking and Finance), Waseda University, Japan (MBA), and University of Pennsylvania (Graduate School of Banking Diploma).

Mr. Alexander Kremenovic

Chair Managing Board


Mr Aleksander Kremenovic,Chair Managing Board Mikrofin, Bosnia and Herzegovina Email:

Mr Kremenovic is president of Boards of MF Banka and MCC Mikrofin. He has over 18 years extensive experience in microfinance and developing finance. He began his career in microfinance in 1997 in Employment and Training Foundation RS. He started with CARE-founded Mikrofin in 1998 as Mikrofin’s Executive Director. He moved from this position in April 2011 and became the president of Managing Board of Mikrofin. He holds Bachelor’s degree of the Faculty of Economics of Banja Luka. He has taken numerous Microfinance courses since joining Mikrofin and has been a Mikrofin trainer for MFC and World Bank.

Dr. Joachim Bald

leads the Risk Management Practice

the Frankfurt School - International Advisory Services

Dr.  Joachim Bald leads the Risk Management Practice at the Frankfurt School - International Advisory Services.  He serves on a large portfolio of consulting assignments at emerging market banks, microfinance institutions and MSME investment funds.  Joachim is a Member of the Board at Bai Tushum Bank in Kyrgyzstan and at KMF in Kazakhstan.  He also supports IFC as Risk Management Consultant in the MENA region. 

Joachim started his career in 1992 as area manager for CIS countries in the International Banking Division of Commerzbank AG, Frankfurt.  In 1995 he accepted an international faculty appointment at Oregon State University in Corvallis.  From 1999 to 2004, he was with Deutsche Börse Systems, the IT subsidiary of the German stock exchange and international derivatives markets operator.   Joachim holds a Ph.D. in Economics from Ruhr-University Bochum and a Master’s Degree in Finance from Dortmund University.  Joachim is also a US Certified Management Accountant.  He is fluent in English, German, French and Russian.

In 2013 Dr. Bald launched the Certified Expert in Risk Management online training program at the Frankfurt School (  Over 400 financial professionals have already completed the challenging risk certification program.  It is now available in English and French.

Mr. Jules Ndambu

Risk Consultant and Project Manager

Frankfurt School

Mr. Jules Ndambu works as in-house Risk Consultant and Project Manager at Frankfurt School where he is responsible for the management of the portfolio of risk projects with Financial Institutions. He has advised banks, microfinance institutions and leasing companies on the entire risk management landscape in more than 10 countries in Africa, Asia and Eastern Europe. Among various areas of relevant risk expertise,

Jules Ndambu has developed credit scoring models and performed models’ validation. He manages since 2013, the risk management framework program between FMO and Frankfurt School that supports FMO’s investees globally in improving their risk management systems. He is a Certified Risk Management Expert and he holds since 2010 a Master in Development Finance from Frankfurt School.

Mr. Oscar van Weerdenburg


Intercultural Business Improvements

Oscar van Weerdenburg is an expert in the field of intercultural management, leadership development and international negotiations. Known for his sharp, colourful and humorous way of capturing cultural differences, he energizes his audience and engages participants to take a fresh look at their cross-cultural business challenges.

Drawing on 25 years of consulting to multinational corporations, Oscar brings to life numerous situations in which culture took people by surprise and forced them to reconsider their approach. What did successful global leaders do, and how did they seize upon cultural differences as an opportunity for new ideas, fresh perspectives and sustainable innovative solutions? Using a clear and constructive framework of intercultural readiness, Oscar invites his audience to reconsider their current cultural assumptions, to benchmark their intercultural competences and to get ready for their own and unique cross-border challenge.

In 1992, Oscar started his collaboration with Fons Trompenaars, and founded Intercultural Business Improvement Ltd. in 1996. Since then, he has been involved in extensive research on intercultural competences and their relevance for internationally operating companies. His company developed the Intercultural Readiness Check (IRC), a questionnaire measuring global leadership competences. The quality of the IRC has been widely recognised by members of the academic and business community, and the IRC database by now is one of the world's largest databases on intercultural competences.

In 2014, Oscar published Intercultural Readiness: Four competences for working across cultures, with Palgrave Macmillan.  Based on a 15-year series of studies and involving 30,000 members of international organizations with roots on four continents, the book presents the core findings of how people and organizations can enhance their intercultural readiness, and how they can benefit from cultural diversity as a resource for new and innovative business solutions. 

With over a 1000 workshops and presentations for more than 40 multinational organizations, including  Daimler, British Airways, PricewaterhouseCoopers, ABN Amro, Statoil, Genpact, Vodafone, Rolls Royce, and Royal Dutch Shell, Oscar van Weerdenburg is one the most frequently invited speakers on cultural issues at international corporate conferences. He frequently acts as visiting professor for Duke CE,  and has lectured at the Michigan Business School, INSEAD and the Rotterdam School of Management. In 2008, Oscar was awarded Best Lecturer of the Year Award by clients of Chalmers, the largest business school in Sweden.

Mr. Per van Swaay

Senior Vice President

Structuring TCX

Per van Swaay joined TCX in late 2010 where he is responsible for origination, structuring and product development. Prior to TCX, Per worked as a senior investment officer at FMO, the Development Bank of the Netherlands, where he was responsible for generation and execution of project finance transactions in Africa.

Prior to FMO, Per worked as a corporate and finance lawyer in Amsterdam and New York.

Per holds an MBA from the Instituto de Empresa in Madrid and a Master degree in law from the University of Amsterdam

Mr. Jose Mantilla



Jose Mantilla is a consultant with Enclude, where he has worked for almost ten years with an Interlude at the Inter-American Development Bank. 

Jose has extensive experience in financial sector consulting and in developing viable SME lending areas and products; including development of methodologies to address shortcomings in “willingness to pay” and “capacity to pay” information, as well as a framework for product development that integrates the credit needs of the business owner, the needs of the financial institution, and the needs of the regulator. Over many years of developing products for financial institutions in various countries in the areas of credit, capital markets and asset management, Jose acquired legal, operational, marketing and training expertise, as well as flexibility and resourcefulness which have proved to be of great value to consulting clients.

Prior to Enclude Jose worked for a European Bank in Miami, then a leading Financial Group in the Andean region.  He also worked for the public sector in Ecuador as Advisor to the Governor of the Central Bank and later Undersecretary of Public credit. On leaving the public sector he started an advisory firm specializing in providing business development services to SME’s .

Jose has a BS in Economics and a MBA from the Thunderbird graduate school of international management.

Mr. Javier Barnes

Credit Manager

Banco BAC San José

Javier Barnes has been the Credit Manager of Banco BAC San José since 2009. In addition to heading up BAC San José’s environmental policy, Mr. Barnes is in charge of corporate, SME and consumer credit portfolios.

He has extensive experience in credit and credit risk, having engaged with the topics from a number of different positions and perspectives.

Mr. Barnes has a degree in Business Administration (emphasis Marketing) and a master in finance from Universidad de Costa Rica.

Mr. Andre Koch

Founder and owner


André Koch is founder and owner of the Amsterdam software development firm Stachanov that creates financial simulation models and administrative process systems.

He is visiting senior lecturer for bank financial management at Nyenrode University, the Netherlands Business School, at EADA Business School in Barcelona,  Utrecht University, and teaches risk management & modelling for Oracle University and The Asian Banker. He has been long-time trainer with ADA – Luxembourg on microfinance. He has taught in-house courses for financial institutions and enterprises in over 25 countries. Currently, he is working on consulting projects with financial institutions in Congo DR, Kenya, and Guyana.  

André Koch has studied in The Netherlands, France, and the United States and holds degrees in medieval history, archaeology, economics, and information science and has a Nyenrode MBA

Mr. Evgueni Ivantsov


European Risk Management Council

Dr Evgueni Ivantsov is Chairman of the European Risk Management Council and author of Heads or Tails: Financial Disaster, Risk Management and Survival Strategy in the World of Extreme Risk. He is a member of the Advisory Group on Global Risks of the World Economic Forum.

Evgueni has a more than 20-year career in the banking sector working in global and large banks like HSBC, ING Group, Lloyds and Banque Bruxelles Lambert. In his risk management career, he was responsible for areas like stress testing including regulatory stress tests (e.g. UK industry wide stress test, reverse stress test, EBA stress test), risk appetite, portfolio risk optimisation and global risk analytics.

Dr Ivantsov is also a visiting lecturer in Cass Business School in London and before was an adjunct Professor of International Economics at the Boston University and an adjunct Professor of Money, Banking and Credit at the United Business Institutes in Brussels.