top of page

Who we are

Purpose, values and strategy

Meet our team

Leadership and governance

Careers

Endless possibilities, diverse outlooks. Build your career at COMO

News & Media

Find the latest news, media releases, stories, reports and our Knowledge Hub

E-commerce & Marketplaces

Embed a single banking platform in your platform

Fintechs, PSPs and EMIs

Create your own digital banking products quickly

Fiduciaries, funds, and wealth managers

Deliver advanced digital financial functionality to your clients

Independent professionals

Help your customers, grow your business

Large enterprises

Manage complex structures, high volumes, and speed

Small and medium-sized enterprises

Supercharge your growth with digital banking

Business / Corporate Account 

All your business transactions from one single account

Multi-currency Account

Send, receive and manage your global funds from one account with 24+ currencies​

Master Account

To mirror your business structure, and manage your client funds in one place

Accounts

Payments

Embedded products

Power ups

Contact us

Open IBAN account

ABOUT

Meet our team

Our Leadership Team is united in the purpose of making 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 Nickel

Angela Nickel is the Chief Executive Officer, Founder, and Strategist of COMO Group S.A.

Angela is a seasoned entrepreneur with over thirty years of experience in developing, patenting and commercializing radical technologies for digitalization in transaction banking, payments, e-commerce, and in industries such as travel, transportation, healthcare, and ancillary services in Europe, South-East-Asia, the Middle East, and Africa.

Outside of her busy role at COMO, Angela currently holds the position of Chairperson of the Digital Commitee at the American Chamber of Commerce (AMCHAM) in Luxembourg, where she plays a pivotal role in shaping the digital landscape. Her outstanding contributions earned her the prestigious title of "Entrepreneur of the Year," at the ICT Awards ceremony in 2019. Angela's relentless pursuit of excellence and unwavering dedication to her craft makes her an exemplary leader in her field.

COMO Group

Chief Executive Officer | Founder

Angela Nickel

Uwe Nickel

Uwe Nickel is COMO's highly skilled and experienced Chief Technology Officer (CTO), with a remarkable track record in designing enterprise-level technology solutions, spanning over 25 years. Uwe plays a pivotal role in developing COMO's radical technology.

Before joining COMO, Uwe held a senior consulting position at SAP, where he led innovation projects for major clients including Avaya, BMW Group AG, Allianz AG, and others. This professional background highlights his strong ability to drive innovation and deliver impactful solutions across diverse industries.

With his wealth of knowledge and visionary approach, Uwe plays a crucial role in ensuring that the COMO remains at the forefront of technological advancement. His dedication to excellence and commitment to delivering advanced financial technology solutions helps our organization meet the evolving needs of our business clients.

COMO Group

Chief Technology Officer

Uwe Nickel

Dr. Carlos Corea Lacayo

The COMO Group is privileged to have a highly experienced Chief Creative Officer (CCO) in the person of Carlos Corea Lacayo. Carlos boasts a diverse expertise across cultural anthropology, diplomacy, journalism, and academia. Carlos previously served as ambassador of Nicaragua to France, and then to UNESCO in Paris, showcasing his exceptional diplomatic skills and knowledge of international relations.

Carlos also leads the Segovia initiative in his native Nicaragua, which aims to foster community involvement and improve people's lives through environmentally sustainable programs, demonstrating his commitment to driving positive change and empowering individuals.

Carlos's multifaceted skills and forward-thinking approach greatly contribute to shaping the communication and cultural strategies of COMO. His ability to effectively engage stakeholders and cultivate meaningful relationships plays a crucial role in the organization's continued success.

COMO Group

Chief Creative Officer

Dr. Carlos Corea Lacayo

Gergana Pramatarova

Gergana Pramatarova possesses extensive expertise in banking and fintech development and investor relations, accumulated over a career spanning more than 15 years. Prior to joining COMO, she held significant positions at well-known institutions such as First Investment Bank, Eurobank, ICAP Group, PayX International, and the European Investment Bank (EIB).

She has a distinguished background in facilitating both banks and non-bank financial institutions in expanding their core capital sources via alternative wholesale funding from supranational institutions such as EIB, EBRD, and IFC. Her expertise extends further to the development, launch, and implementation of innovative banking products, alongside proficient management of correspondent banking relations.

Gergana's profound knowledge and understanding of the sector exemplify her comprehensive industry experience in various aspects, including business development, fundraising and fostering relations with investors, correspondent banks and external partners.

COMO Group

Corporate Development & Investor Relations

Gergana Pramatarova

Alexandra Wagner

Alexandra Wagner is a highly experienced IT professional with a strong track record of over 20 years in the field. She specializes in hardware and software maintenance, IT compliance, and regulatory tasks. Alexandra's expertise extends to managing vendor risk assessments, establishing IT compliance frameworks, and ensuring adherence to organizational confidentiality policies.

Alexandra's proficiency in managing information technology and computer systems, including Azure Cloud Solution, has contributed to the success of various projects. Alexandra holds certifications in IT security and risk, further enhancing her qualifications in the field.

Alexandra's extensive experience spans various organizations, including bitFlyer Europe S.A, Agricultural Bank of China, Sogeti Luxembourg, Six Payment Services, ExxonMobil Chemical Films, and JP Morgan Asset Management. Alexandra has excelled in the FinTech industry for over seven years, demonstrating a keen interest in IT compliance.

COMO DL

Authorized Manager

Alexandra Wagner

Stephane Jodin

Stephane Jodin is a seasoned finance professional with over 20 years of experience and a proven track record as Chief Financial Officer and Chief Operational Officer. As an Authorized Manager at COMO DL S.A., Stephane inspires confidence and fosters a culture of collaboration among team members, resulting in a cohesive and high-performing workforce.

Under Stephane's guidance, COMO has not only maintained its operational standards but has also achieved new heights of success. His commitment to excellence truly sets him apart as an invaluable member of COMO.

Stephane's exceptional leadership skills and capacity for strategic thinking have made him a sought-after executive in the corporate world. His proficiency in aligning financial goals with wider business strategic objectives, along with his commitment to cost optimization and risk management, have resulted in measurable success for the organizations he has served, such as Activtrades Europe and Keytrade Bank.

COMO DL

Authorized Manager

Stephane Jodin

Board of Directors

Angela Nickel

Angela Nickel is the Chief Executive Officer, Founder, and Strategist of COMO Group S.A.

Angela is a seasoned entrepreneur with over thirty years of experience in developing, patenting and commercializing radical technologies for digitalization in transaction banking, payments, e-commerce, and in industries such as travel, transportation, healthcare, and ancillary services in Europe, South-East-Asia, the Middle East, and Africa.

Outside of her busy role at COMO, Angela currently holds the position of Chairperson of the Digital Commitee at the American Chamber of Commerce (AMCHAM) in Luxembourg, where she plays a pivotal role in shaping the digital landscape. Her outstanding contributions earned her the prestigious title of "Entrepreneur of the Year," at the ICT Awards ceremony in 2019. Angela's relentless pursuit of excellence and unwavering dedication to her craft makes her an exemplary leader in her field.

COMO Group | COMO DL

Chairperson | Founder

Angela Nickel

Christian Bamberger

Christian Bamberger is an ex-Co-Founder and Chief Technology Officer of PAY.ON, bringing over 25 years of experience in IT and Fintech to COMO. He is also actively involved as an investor and advisor in other FinTechs, as well as InsurTech, and POS companies. He also serves as a limited partner in multiple funds.

Christian's expertise lies in creating long-lasting value and collaborating with entrepreneurs seeking growth through both organic and inorganic strategies. He has been investing in COMO Group since 2020, and joined the team as a director in 2022, demonstrating his commitment to our innovative venture within the booming B2B financial industry.

His extensive background across a wide range of sectors makes him a valuable contributor to the advancement of the digital banking field. His steadfast commitment to the COMO team has proven vital in overcoming challenges and navigating intricate complexities, ensuring the company's resilience and continued success.

COMO Group

Director | Investor

Christian Bamberger

Uwe Nickel

Uwe Nickel is COMO's highly skilled and experienced Chief Technology Officer (CTO), with a remarkable track record in designing enterprise-level technology solutions, spanning over 25 years. Uwe plays a pivotal role in developing COMO's radical technology.

Before joining COMO, Uwe held a senior consulting position at SAP, where he led innovation projects for major clients including Avaya, BMW Group AG, Allianz AG, and others. This professional background highlights his strong ability to drive innovation and deliver impactful solutions across diverse industries.

With his wealth of knowledge and visionary approach, Uwe plays a crucial role in ensuring that the COMO remains at the forefront of technological advancements. His dedication to excellence and commitment to delivering advanced financial technology solutions helps our organization meet the evolving needs of our business clients.

COMO Group

Director

Uwe Nickel

Dr. Manuel Fernandez

Manuel Fernandez is an esteemed legal professional with over 15 years of experience at large institutions, such as GSK Stockmann, Elvinger Hoss Prussen, and the European Investment Fund.

His invaluable expertise and contribution to COMO stems from his ability to navigate the intricate world of corporate law and banking, having gained specific legal knowledge and expertise with Fintech and Banking regulations in accordance with the Commission de Surveillance du Secteur Financier (CSSF), which supervises the professionals and products of the Luxembourg financial sector.

Manuel’s extensive tenure has made him a trusted advisor in handling complex clients and international transactions. With a deep industry knowledge and a strategic mindset, he has helped COMO navigate complex challenges with finesse and has consistently demonstrated exemplary support as a member of the Board of Directors of COMO DL S.A.

COMO DL

Chairperson | Independent Director

Dr. Manuel Fernandez

Mario Zardoni

Mario Zardoni is a seasoned professional with over 20 years of experience in the realm of financial services and risk management. With an unparalleled dedication to upholding regulatory standards as a member of the Board of Directors, Mario ensures that COMO operates at the pinnacle of compliance in the digital banking industry.

During his 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.

Prior to 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., which enriched his experience and solidified his reputation as a trusted expert in the field.

COMO DL

Independent Director Operation

Mario Zardoni

Paul Schonenberg

Paul Schonenberg is an illustrious senior executive and esteemed board member with a remarkable career spanning over half a century. His tenure as a Non-Executive Director at COMO has been exceptional, marked by his unwavering dedication and visionary leadership. With an innate ability to inspire and motivate, Paul has spearheaded numerous initiatives that have propelled COMO to new heights of success.

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.

COMO Group

Independent Non-executive Director
Public and Government Affairs

Paul Schonenberg

Xavier Adsera

Xavier Adsera is a prominent figure in the world of finance and entrepreneurship, with a distinguished career that showcases a remarkable blend of innovation and leadership. Under his guidance as a non-executive director, COMO has solidified its position as a digital banking platform, setting benchmarks for innovation in banking technology and impeccable service.

After co-founding an investment bank in Spain, being chairman of a public nutraceutical company, director of several others, and CEO of a UK-based private equity firm, Xavier founded Adequita Capital in 2016.

In addition to his work at COMO and Adequita Capital, Xavier holds several leadership roles, including Chief Executive Officer of UVentures, Chairman of Alder Renewables and board member of Nethits Hospitality. Due to his extensive achievements, Xavier was granted a Full Membership (MCSI) in the UK Chartered Institute for Securities & Investment (CISI).

COMO Group

Independent Non-executive Director
Investments

Xavier Adsera

bottom of page