BEATE KRUGMANN

beate.krugmann@gmail.com / +49 157 8189 9330

PAYMENTS EXECUTIVE DIRECTOR -

STRATEGY, REGULATION & BUSINESS TRANSFORMATION IN EUROPE & APAC

Passionate about how emerging payments can transform lives around the world. Deep understanding of payment solutions, infrastructure, strategic partnerships and regulatory frameworks in Europe and APAC. Employing an agile and collaborative approach with a proven ability to balance client needs, product capabilities, commercials and regulatory requirements.

Recognized for sharp analytical skills, assertiveness, and results-driven leadership, I excel at leading impactful transformative initiatives with focus on sustainability, diversity and inclusion.

ACADEMIC EDUCATION

Executive Leadership – Hult Ashridge; Corporate Finance Programme – London

Business School; Leadership and Team Effectiveness – Yale School of Management;Applied Due Diligence and company valuation – Haufe Akademie; BA in Business

Management - WA Hamburg; Bankkaufmann – Hamburg Chamber of Commerce

EXECUTIVE LEADERSHIP EXPERIENCE

EXECUTIVE DIRECTOR - PAYMENT BUSINESS TRANSFORMATION

WORLDLINE EUROPE & APAC – 2018-TODAY

Set-up, re-structured and brought to success major projects and initiatives at a global scale.

Strong at big-picture level, with the right attention to detail. Strong focus on customer centricity

and regulatory compliance across functions and processes, end-to-end. Outstanding team

player with ability to resolve conflicts. Known for motivating individuals to be successful and in

building diverse teams in a cosmopolitan and inter-cultural environment.

HEAD OF EAST & SOUTHEAST ASIA, MERCHANT SERVICES, SINGAPORE – 2023-TODAY

Expatriated to APAC to reinforce the Merchant Services regional presence, acting as a bridge

between Asia and Europe and unlocking growth potential in complementary markets by

leveraging Worldline capabilities.

• Secured MAS regulatory license as a Major Payment Institution in Singapore.

• Executed a smooth wind-down of a non-strategic, regulated business in Singapore.

• Transformed Japan operations from a project-based approach to a market.

• Represented Worldline in payment experts and regulatory networks.

• Consultation of the upcoming payment institution regulation in Australia.

HEAD OF MERCHANT SERVICES BUSINESS TRANSFORMATION, EUROPE – 2021-2023

Highly self-motivated and proactive, excels in identifying opportunities and engaging with a

broad network of stakeholders. Skilled in adopting ideas and leveraging a strategic approach to

drive growth and innovation. Recognized for a deep understanding of payment systems and

adept at managing complexities while focusing on the bigger picture. Thrives on addressing

complex challenges with a dedication to simplification and successful execution.

• Supervised the project turnaround to obtain a FCA license following the BREXIT.

• Designed the PI license strategy of Worldline regulated merchant services business.

• Steering of the Merchant Services Business Transformation portfolio.

• Derived transformative needs from anticipated regulatory changes.

SENIOR ADVISOR M&A AND POST MERGER INTEGRATION, GLOBAL – 2018-2021

• Deal leader for Worldline’s first strategic payment alliance outside Europe, with ANZ

bank in Australia, valued ~USD600m.

• Delivered carve-out and integration of SIX Payment Services in Merchant Services

generating synergies above expectations.

• Lead the financial and legal restructuring of the Australian market.

MANAGING DIRECTOR SIX PAYMENT SERVICES GERMANY – 2018-2023

• Delegated into the German management board to turn Germany in to a home market

• Provided operational leadership for a smooth integration of the German business

HEAD PAYMENT STRATEGY & BUSINESS ANALYTICS – ZURICH/HAMBURG – 2010-2018

Employed strategic thinking to systematically tackle complex issues. Demonstrated excellent

interpersonal abilities, skilled in fostering consensus and influencing diverse stakeholders.

Highly articulated in both written and verbal communication in German and English.

• Comprehensive multi-year payment strategy covering issuing, acquiring, acceptance.

• Thorough business impact regulatory reviews in close collaboration with functions.

• Performing external competition and trend analysis on the European Payment Market.

• Managing key stakeholders for the Swiss Repo-Market (BoD, ExCom, SNB etc.).

PRINCIPAL FINANCIAL SERVICES

HORVATH & PARTNERS – STUTTGART/ZURICH – 1999-2010

Established outstanding advisory skills for financial institutions in strategic management,

organizational development and management control. Enhanced analytical skills onto expert

level. Proven leadership in complex environments and with high time pressure. Promote

projects internally and externally. Demonstrated impact, result-orientation and enthusiasm.

Excellent client reputation. First woman at Principal level in DACH region.

• Conceptualizing and executing effective solutions to transform businesses sustainably.

• Carrying out strategic market evaluations and regulatory impact analysis.

• Achieving successful project and company turnarounds (e.g. Nationale Suisse, Zurich).

• Cultivating robust client relationships, yielding over 50% year-over-year revenue growth.

EARLY CAREER PROFILE

GUEST LECTURER - HAMBURG ACADEMY OF BUSINESS MANAGEMENT - 5 YEARS

• Strategic Management und International Management Control, Case Studies

PUBLICATIONS / PRESENTATIONS

• Co-author „BSC umsetzen“ and „Performance Management in der Praxis“

• Speeches and presentation given at various business conferences and seminars

AWARDS & MEMBERSHIPS

• Awards: Scholarship for Academic Excellence - Der Übersee-Club, Scholarship for

Young Professionals - Federal Ministry of Education

• Memberships: Der Übersee-Club; London Business School Alumni Network

EXECUTIVE ASSETS

• Enjoy solving complex challenges

• Impact-focused Leadership skills

• Excellent analytic and conceptual skills

• Highly motivated and self-driven

• Embrace diversity and grateful to see

people flourishing