ABOUT
Meet our team
Our Leadership Team is united in the purpose to fulfill good on the full promise of the digital revolution.
COMO is committed to high standards of corporate governance
We have a comprehensive range of policies and systems in place to ensure that COMO services are well-managed, with effective oversight and control. We comply with the applicable provisions of the EU Corporate Governance Code and financial regulator in Luxembourg.
In this section you can find out more about our board of directors and senior management.
Management
Angela is an entrepreneurial force with over three decades of experience shaping the digital finance landscape. As the CEO, Founder, and Chief Strategist of COMO Group, she has pioneered radical innovations in transaction finances, payments, and e-commerce, transforming industries across Europe, Southeast Asia, the Middle East, and Africa. From developing groundbreaking digital technologies to commercializing solutions that redefine industries, Angela’s journey has been one of relentless innovation and bold vision.
In addition to her leadership at COMO, Angela serves as Vice-Chair of the Executive Board and Chairperson of the Digital Committee at the American Chamber of Commerce (AMCHAM) in Luxembourg. In this role, she plays a vital part in advancing digitalization and fostering a progressive tech environment. Her remarkable contributions to the industry were honored when she was named "Entrepreneur of the Year" at the 2019 ICT Awards.
Driven by boundless curiosity, Uwe Nickel first opened a Commodore 64 at age eight to understand how it worked. Now, 40 years later, he is the Chief Technology Officer at COMO Digital Life, where he designs cloud-native systems that support multi-currency IBAN accounts, instant cross-border payments, AI-driven compliance, and real-time reconciliation. His focus on code structure and system resilience ensures that COMO processes high-value transactions with financial-grade fault tolerance.
Before COMO, Uwe worked on innovative projects for major clients like SAP, BMW Group, and Allianz AG, including re-platforming global ERP systems and designing low-latency payment hubs that handle billions daily.
At COMO, he uses this wealth of experience to provide corporations with frictionless financial infrastructure previously available only to tier-one finances while ensuring regulatory compliance and developer satisfaction. Based in Luxembourg and collaborating globally, Uwe continues to innovate, driving COMO Digital Life’s mission to redefine embedded finance.
The COMO Group is honored to have a distinguished Chief Communication Officer (CCO), Carlos Corea Lacayo, whose extensive expertise profoundly enriches the organization's cultural understanding. Carlos's background encompasses cultural anthropology, diplomacy, journalism, and academia, affording him a multidimensional perspective on human societies and cultural dynamics. His previous roles as Nicaragua’s ambassador to France and at UNESCO in Paris exemplify his exceptional diplomatic acumen and deep knowledge of international relations.
Carlos's diverse skill set and innovative outlook significantly influence COMO’s strategies in communication and cultural engagement. His ability to connect diverse stakeholders, promote cultural understanding, and build meaningful relationships plays a vital role in strengthening the organization's impact and fostering a deeper global appreciation of cultural diversity.
Gergana Pramatarova is a highly experienced professional with over 18 years of dedicated expertise in banking and fintech business development, as well as investor relations. Throughout her illustrious career, she has held pivotal roles at prestigious institutions, including First Investment Bank, Eurobank, ICAP Group, PayX International, and the European Investment Bank (EIB) in Bulgaria.
Gergana's deep industry knowledge and strategic insight underscore her significant contributions across various facets of the financial sector. Her accomplishments include driving innovative business growth, spearheading successful fundraising initiatives, and cultivating robust investor relationships, which exemplify her comprehensive understanding and influential presence in the industry.
A distinguished compliance expert, COMO’s Chief Compliance Officer specializes in Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. With over 20 years of experience achieving outstanding results in the complex world of regulatory compliance, her extensive background provides her with a deep understanding of the intricacies involved in compliance frameworks, risk management, and corporate governance.
Before joining COMO, she gained her expertise at Société Générale Moldavia, where she played a key role in developing and implementing compliance processes that improved the organization’s adherence to international regulations.
Lola brings over 30 years of extensive expertise in transforming complex, regulated finance functions into dynamic engines of growth and innovation. She has expertly rebuilt and led high-performing finance teams across a diverse range of sectors, including global insurers and reinsurers, innovative SaaS scale-ups, fast-paced cryptocurrency and Web3 ventures. At COMO, she uniquely combines her deep regulatory fluency with an operator’s strategic playbook to not only safeguard compliance but also to refine controls, drive strategic initiatives, and scale value creation across our expanding financial infrastructure.
A highly experienced financial executive with over 25 years of expertise across banking and payment institutions. Percy has held prominent roles at Bank Hapoalim, including Managing Director, and expanded his leadership as Executive Director at Monex Europe S.A., where he managed risk, operations, and finance.
He combines deep regulatory knowledge with a broad international client network to drive strategic partnerships and accelerate the adoption of COMO’s innovative embedded Finance and In-House Banking solutions.
With a potent combination of C-suite discipline, multilingual skills, and a track record of scaling rapidly, Percy is adept at fostering high-growth, well-governed financial ventures and positioning them for successful exits.
Erik boasts over 25 years of extensive experience spanning the financial services and fintech sectors. His career began at renowned institutions like ABN AMRO and Commerzbank, laying a solid foundation in banking. Subsequently, he contributed to innovative ventures at BEQUANT, a leading Digital Assets Exchange, as well as at PayPal, Pingpong, and 3SMoney, showcasing his adaptability across various financial platforms.
Deeply passionate about fostering trust within the financial industry, Erik uniquely combines hands-on regulatory expertise with a visionary outlook on technological advancements. His focus areas include pioneering solutions in AI, enhancing COMO’s enterprise-grade risk management frameworks, strengthening governance processes, and ensuring audit readiness, all aimed at building a more secure and transparent financial ecosystem.
Co-Founder and Managing Partner of Campus Caprea Media, Robert has helped companies enhance their corporate communications, employer branding, and content marketing by delivering comprehensive creative work across video and digital platforms.
At COMO Digital Life, he will leverage his expertise to lead brand strategy and creative execution across diverse channels, emphasizing innovative digital experiences. Applying a filmmaker’s eye for storytelling, Robert aims to clearly express our Bauhaus-inspired, client-focused vision while fostering a dynamic digital ecosystem that reflects COMO Digital Life’s commitment to pioneering technology and immersive digital solutions.
Executive Board of Directors
Angela is an entrepreneurial force with over three decades of experience shaping the digital finance landscape. As the CEO, Founder, and Chief Strategist of COMO Group, she has pioneered radical innovations in transaction finances, payments, and e-commerce, transforming industries across Europe, Southeast Asia, the Middle East, and Africa. From developing groundbreaking digital technologies to commercializing solutions that redefine industries, Angela’s journey has been one of relentless innovation and bold vision.
In addition to her leadership at COMO, Angela serves as Vice-Chair of the Executive Board and Chairperson of the Digital Committee at the American Chamber of Commerce (AMCHAM) in Luxembourg. In this role, she plays a vital part in advancing digitalization and fostering a progressive tech environment. Her remarkable contributions to the industry were honored when she was named "Entrepreneur of the Year" at the 2019 ICT Awards.
Christian Bamberger is a former co-founder and Chief Technology Officer of PAY.ON, bringing over 25 years of experience in IT and Fintech businesses to the company. He is also actively involved as an investor and advisor in fintech, insurtech, and POS companies and serves as a limited partner in multiple funds.
Christian's expertise lies in creating long-lasting value and collaborating with entrepreneurs seeking growth through organic and inorganic strategies. He has been invested in COMO Group since 2020 and joined the team as a director, demonstrating his commitment to supporting innovative ventures within the industry. Christian's extensive background and involvement across a wide range of sectors make him a valuable contributor to the advancement of the field.
Dr. François Masquelier is the Chairman of the Association of Corporate Treasurers of Luxembourg (ATEL) and the Honorary Chairman of the European Association of Corporate Treasurers (EACT).
With a strong educational background—holding a Doctorate in Tax Law, a degree in Economy and Administration from the University of Liège, and an Executive Master in Management from Solvay Business School—he brings a distinguished reputation and considerable experience in the field to COMO.
His expertise significantly enhances our governance and strategic capabilities. Dr. Masquelier's commitment to excellence in corporate treasury and finance positions him as a vital asset in advancing innovative initiatives within the organization.
Mario Zardoni is a seasoned professional with over 20 years of experience in financial services and risk management. With his notable tenure at the Commission de Surveillance du Secteur Financier (CSSF), where he specialized in prudential supervision and risk management of investment funds, Mario honed his skills and understanding of regulatory compliance to the highest standards.
Before his tenure at the CSSF, he held pivotal roles at renowned financial institutions, including RBS (Luxembourg) S.A., Swedbank Management Company S.A., and Eurizon Capital S.A., all of which enriched his experience and solidified his reputation as a trusted expert in the field.
Manuel Fernandez is an esteemed legal professional with over 13 years of experience at big names, such as GSK Stockmann, Elvinger, Hoss & Prussen, and the European Investment Fund. Manuel embodies legal excellence, with a profound specialization in corporate law, banking, and finance.
His extensive tenure in these domains has made him an authority in handling international transactions, where his in-depth understanding of conventional and unconventional transaction structures set him apart.
Manuel's invaluable expertise stems from his ability to navigate the intricate world of corporate law and banking. He gained specific legal knowledge and adherence to Fintech and Banking regulations in accordance with the CSSF, making him a trusted advisor for clients engaged in complex and high-stakes financial dealings.
Executive Board of Directors
Non-Executive Board of Directors
Xavier Adsera is a prominent figure in the world of finance and entrepreneurship. His distinguished career showcases a remarkable blend of innovation and leadership. Notably, he founded Adequita Capital, a testament to his entrepreneurial spirit and ability to identify and nurture investment opportunities. His co-founding of an investment bank in Spain underlines his commitment to expanding financial horizons and fostering growth in the industry.
Xavier has served as the CEO of a UK-based private equity firm. He holds several leadership roles in addition to his work at Adequita, including CEO of UVentures, Chairman of the Board of Dakia Digital, and Board member of Alder Fuels and Oxford Leadership.
The COMO Group is honored to have a distinguished Chief Communication Officer (CCO), Carlos Corea Lacayo, whose extensive expertise profoundly enriches the organization's cultural understanding. Carlos's background encompasses cultural anthropology, diplomacy, journalism, and academia, affording him a multidimensional perspective on human societies and cultural dynamics. His previous roles as Nicaragua’s ambassador to France and at UNESCO in Paris exemplify his exceptional diplomatic acumen and deep knowledge of international relations.
Carlos's diverse skill set and innovative outlook significantly influence COMO’s strategies in communication and cultural engagement. His ability to connect diverse stakeholders, promote cultural understanding, and build meaningful relationships plays a vital role in strengthening the organization's impact and fostering a deeper global appreciation of cultural diversity.
Driven by boundless curiosity, Uwe Nickel first opened a Commodore 64 at age eight to understand how it worked. Now, 40 years later, he is the Chief Technology Officer at COMO Digital Life, where he designs cloud-native systems that support multi-currency IBAN accounts, instant cross-border payments, AI-driven compliance, and real-time reconciliation. His focus on code structure and system resilience ensures COMO processes high-value transactions with financial-grade fault tolerance.
Before COMO, Uwe worked on innovative projects for major clients like SAP, BMW Group, and Allianz AG, including re-platforming global ERP systems and designing low-latency payment hubs that handle billions daily.
At COMO, he uses this wealth of experience to provide corporations with frictionless financial infrastructure previously available only to tier-one finances while ensuring regulatory compliance and developer satisfaction. Based in Luxembourg and collaborating globally, Uwe continues to innovate, driving COMO Digital Life’s mission to redefine embedded finance.
Paul Schonenberg is an illustrious senior executive and esteemed Board member with a remarkable career spanning over half a century. His extensive and diverse experience has positioned him as a trusted advisor and leader for international corporations.
As the CEO of the American Chamber of Commerce (AMCHAM) Luxembourg, he has demonstrated a deep commitment to fostering economic collaboration and promoting transatlantic business ties. With a track record of remarkable success and a profound understanding of the intricate dynamics of global business, Paul has consistently delivered visionary leadership that has shaped the strategies of organizations operating on a global scale.