John Fernandez

Chief Legal and Compliance Officer Banked

John is a qualified lawyer and international payments specialist with 13+ years of PQE experience as a legal, regulatory and compliance advisor for global, customer-centric organisations. John helps firms comply with complex AML and regulatory frameworks that involve cutting-edge technology and has led transformative projects to design and implement compliance programs for cross-border payment, e-money and online credit products in the UK and EU. John has significant experience in managing licensing applications with financial supervisory authorities in the UK, Europe and Asia and leading teams of legal, compliance and regulatory experts in an international setting.

Prior to joining Banked, John was Global Director of Legal & Compliance at PPRO Group, an international payments company where he helped secure $370M in funding over 7 rounds resulting in a billion dollar valuation for the group in 2021. He also led commercial contractual negotiations with customers such as Stripe, Paypal, Citi and JP Morgan as well as international payment methods such as Alipay, iDEAL, WeChat Pay, Klarna and more. John is now Chief Legal and Compliance Officer at Banked, an Open Banking provider undergoing a global expansion phase. In addition to his role at Banked, John is currently appointed as Chair of the Electronic Money Association, a trade body representing innovative payment service providers in Europe.