About Vincent
Global banking and wealth executive with 18+ years building, launching and transforming financial services products and businesses across the US, Europe and Australia. I lead transformation workstreams as a former Principal Director at Accenture, Co-Founder & COO of a regulated Maltese bank (FCM), and CEO/Founder of MoreTo (US wealthtech) — with hands-on delivery of advisor-platform and wealth-management modernization (DVAG/FinLeap, MoreTo for RIAs, Simon-Kucher digital wealth venture), digital bank launches (Barclays Germany, FCM Bank), and BaaS/Cards/BNPL strategy for tier-1 European banks.
How I help clients
- Lead transformation and implementation workstreams end-to-end (vendor selection, integration, rollout)
- Map and redesign advisor processes; integrate WealthTech tools into bank/RIA operating models
- C-level sparring partner on strategy, GTM, target operating model and business case
- Stakeholder management across client, vendor and regulator
- Wealth management, investment brokerage, pensions and advisor platforms
- Cards, payments, BNPL, deposits, consumer lending and mortgages
- BaaS / PaaS / Core Banking — RFI/RFP, search, select, implement
- KYC/AML, EMI and banking licensing; cross-border passporting
- Embedded finance, open banking (PSD2), marketplace and tokenized products
- Generative AI in financial services — LLM orchestration, HITL workflows
Selected credentials
Executive MBA, Frankfurt School of Finance & Management — Summa Cum Laude (1.3 / 91%). MIT Sloan "AI: Implications for Business Strategy". Certified Product Owner.
Affiliations & recognition
- Money20/20: Speaker (2025), Co-Host & Ambassador (2026), Amplify & RiseUp Member (2024)
- Plug and Play: Fintech & Wealth Mentor (2024–2025)
English
Native or bilingual
Can work on-site
Berlin (up to 50km), Hamburg (up to 50km), Munich (up to 50km), Frankfurt am Main (up to 50km), Düsseldorf (up to 50km)
Experience
- EnfuceHead of Mid-MarketJanuary 2026 - Today (5 months)London, United Kingdom
- Defined the Mid-Market opportunity for Enfuce's Cards-as-a-Service and issuer-processor platform via market study, competitor pricing benchmarking and API gap analysis.
- Identified white spaces vs. competitors and translated them into Enfuce product roadmap inputs.
- Developed the GTM strategy, value proposition and new pricing & packaging for the Mid-Market segment.
- Built the Mid-Market business case end-to-end (sizing, revenue model, cost-to-serve, P&L).
- Stakeholder management across Enfuce executive team, product and sales leadership.
- Key achievement: Pitched and gained management approval for the Mid-Market business case.
- Simon KucherPrincipalSeptember 2025 - December 2025 (3 months)
- Engaged as freelance Principal to a Southeast European bank ($11B USD in assets) on a digital B2C wealth investment venture.
- Built the end-to-end business case: market sizing, target operating model, revenue model, P&L, implementation roadmap, and funding plan.
- Designed the advisor and client journeys for the new wealth investment proposition.
- Stakeholder management across executive sponsors, board members and external vendors.
- Key achievement: Pitched directly to the Chairman of the Board; secured funding and approval to proceed.
- MoreToCo-Founder and CEOBANKING AND INSURANCEOctober 2022 - September 2025 (2 years and 11 months)New York, United States
- Founded MoreTo as a solo founder; raised €2.5M seed funding.
- Built a B2B2C SaaS wealth platform addressing the generational wealth transfer for RIAs (Registered Investment Advisors) — modernizing the RIA techstack and advisor experience.
- Led US market GTM and B2B sales/partnerships with banks, credit unions, RIAs, and Banking-as-a-Service / Brokerage-as-a-Service vendors (Galileo, Apex, Alpaca, Raisin USA).
- Designed and shipped a proprietary AI orchestrator using GenAI models (Llama, ChatGPT) with human-in-the-loop (HITL) for compliant, scalable wealth workflows.
- Stakeholder management across investors, US regulators, banking/brokerage vendors, and design partners.
- Key achievement: Top 20 Finalist at Techstars USA & Netherlands.
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Education
- Master Business AdministrationFrankfurt School of Finance and Management2020- Graduated Summa Cum Laude with a 1.3 score
- Bachelor of Business (Accounting)ACU2005
Certifications
- Certified POAgile2020
- AI: Implications for Business StrategyMIT2018
Skill set
Categories
- Management Consultant
- Strategy Consultant