Alexander has many years of experience in the payments domain implementing global payment connections and product propositions on both the acquiring and issuing side. He has a background in experimental physics and has obtained a PhD in the Quantum Mechanical behaviour of ultra-cold systems.

After his studies he worked as a technical consultant at UL Transaction Security advising large acquirers and issuers on existing and emerging payment technologies in multiple geographies. In 2016 he joined Adyen where he worked on acquiring and issuing. In the first role he was responsible for the global expansion of the acquiring solution in terms of both the acquiring footprint as well as the global product expansion before steering the acquiring roadmap as product lead. He was also involved from the start in setting up Adyen’s Issuing proposition, building the initial product and scheme connections in Europe and the U.S. while eventually building up and leading the product and operations team.

At Silverflow he is responsible for expanding and shaping the product proposition across different geographies, payment channels, schemes and product features adding values for merchant acquirers and large merchants.

With more than 15 years of experience in payments, Jan Vrijenhoek has a proven track record in the payment industry.

After various Sales and Account Management roles in the Travel Industry and IT, he started his payments career in 2004 at Bibit, the first global Payment Service Provider (PSP). When RBS/Worldpay acquired Bibit, he continued to manage Key Accounts whilst building out the Account Management team.

He joined Adyen in 2010 in the role of Card Scheme and Partnership manager, where he was responsible for maintaining relationships with payment method providers, acquiring banks and card networks. This went hand in hand with building and running the acquiring and processing services.

As Principal Card Scheme Manager at Silverflow, Jan is managing relations with card networks and driving projects to implement card scheme functionality in multiple regions.

Marc studied Applied Physics and Petroleum Engineering at TU Delft before joining the Oil & Gas Industry as an engineer, followed by two years as an analyst at a Venture Capital firm in Amsterdam. During his time there he was introduced to the ecosystem of technology ventures and entrepreneurship which made him realize he wanted hands-on experience on what it takes to build a company from the opposite side of the table (non-Investor perspective) and joined Silverflow as the second employee.

As Product Manager, Marc is responsible for understanding customer requirements for the Silverflow dispute API and translating those into functionality that can be developed by the engineering team.

Michael completed his bachelors in Business Economics from the University of Exeter in the UK. After graduating, Michael served for 11 years in the British Army and Australian Defence Force as a Combat Engineer Officer and Army Diver. During his time in the military he completed three operational tours in Afghanistan and Iraq.

Upon leaving the military, Michael joined J.P. Morgan in London. Whilst at J.P. Morgan he worked in the Corporate and Investment Bank Strategy team, where he focused on Wholesale Payments. He worked on a number of projects including internal M&A, international expansion and opportunities to better serve the small and medium sized enterprise segment.

At Silverflow Michael is responsible for developing and managing the product proposition.

Stanford started as a software engineer for a startup bank in Zimbabwe, and went on to complete a Technology Management Masters at the University of Pretoria (South Africa) followed by an MBA in the UK. Stanford has worked for some of the world's largest and fastest growing payment companies which include: ATM Solutions (South Africa), TNS, Verifone and Adyen, where he helped launch the Adyen Account Management Academy. With 20 years of experience within the payment industry, he has over 15 years of sales and account management experience specifically.

As a Senior Account Manager, Stanford is responsible for managing and growing our strategic client relationships. Once clients are onboarded, he works in close collaboration with the Sales, Onboarding, Product and technology teams to ensure that our clients' ongoing commercial and solution needs are kept front of mind.

Jonathan has held numerous client and partner-facing roles over the course of 18 years in payments. After several consulting roles, he started his career in payments in 2004 with ChasePaymentech, followed by stints at RBS Worldpay, Adyen, Vantiv, Silicon Valley Bank and Gulf Oil.  

He has worked extensively with clients of all sizes and verticals, advising them on interchange qualification, conversion optimization, and launching internationally.  He has helped dozens of US merchants accept new currencies, payment methods and products in North America, Europe, Latin America and Asia.

Jonathan will be helping expand Silverflow's presence in the United States.

After Jeroen completed his Msc in Management, he began his career as a Management Consultant with PwC. In his next job he spent 7 years with Cargill enjoying a diversity of commercial roles within sales, product- and account management. Before joining us, Jeroen had the opportunity to travel the world as a Global Account Manager with FedEx for 5 years. Jeroen is excited to shift his focus to business development in an innovative, international and challenging environment where he can make a considerable contribution to the success of the business. In his free time Jeroen is an avid kite-surfer, one of his favourite quotes: “A cold shower a day, keeps the doctor away" (Best taken on the North Sea with a board under your feet...)

As a Senior Sales Manager, Jeroen is responsible for growing Silverflow by finding, signing and implementing new customers to our platform.

Prior to joining Silverflow, Nadia has worked for multiple payments companies providing solutions to merchants, gateways, acquirers and other payments' companies. She has over 14 years of experience in consulting and selling alternative payment methods, international acquiring, payments processing platforms, fraud prevention and FX tools, predominantly focused on the UK and European markets. In her previous role at Mastercard she was part of a team that launched a new payment method in the UK and managed its growth from pre-live stage to its maturity. She was responsible for bringing new processing partners into its ecosystem, maintaining strong partnerships with them and supporting them in recruiting new merchants.

Nadia is part of the commercial team and is responsible for the relationships with new clients and growing the overall global client base within Silverflow.

Russel Coultart is a seasoned entrepreneur and highly experienced e-commerce veteran, with over 20 years experience of payments as a merchant.

He has operated extensively in large and complex multinational organisations, account managing multiple stakeholders, projects and started, built up and sold a number of his own businesses. 

Russel launched his first e-commerce site, recordstore.co.uk, at the dawn of the internet, all the way back in 1998. Recordstore was acquired by EMI records in 2010 and Russel joined EMI as VP of D2C. In 2013, he joined Universal Music Group as the Global Head of E-commerce. He has extensive consulting experience and he has also DJ’d all over the world.

As a Senior Account Manager, Russel is joining the commercial team to help manage client and partner relationships while working closely with our internal teams to deliver successful results.

Okke has joined Silverflow with over 18 years of payment experience. He combines both card and “cash” payment expertise which makes him a 360 degrees payment expert. Breathing brick and mortar, e-commerce and omni-channel retail payments is what Okke does on a daily basis.

For the last 10 years, Okke worked for Mastercard with responsibility for true global payment giants by supporting acquiring customers to expand into various regions at a high-pace. Their tech savvy clients requested speed and agility in advancing the merchant offering, translating business needs into innovation and concrete product deployment resulting in rapid client growth.

Okke is part of the commercial team and is responsible for the relationships with new clients and growing the overall global client base within Silverflow.

Erik started his career as a business analyst in the office furniture industry in 2011 before joining merchant acquirer EMS in 2017. At EMS, Erik was a member of the finance team in a role that focused on the cost components of payments - interchange, scheme fees and processing costs.
He completed an Executive MBA from Rotterdam School of Management and an MSc in Economics & Business from the Erasmus School of Economics.

Building on his experience in payments, Erik is excited to contribute to the development of the processing platform and the growth of Silverflow. Erik lives in Rotterdam with his wife and daughter, and can be found in the zoo almost every weekend.

At Silverflow he will be responsible for developing and managing the product proposition.

Walker graduated from Rice University in Houston, Texas with a Bachelor’s degree in Economics and Political Science. Walker began his career in Corporate & Investment Banking with Citi in 2017, based in Houston, Texas within the Global Energy Group. In this role, he focused on structured lending and acquisition finance within the Oil & Gas sector. Following this, he joined the Citi Benelux Multinational Network Banking coverage team based in Amsterdam, where he was primarily responsible for the day-to-day relationship management of large multinationals with EMEA HQ’s based within the Benelux.

Building on this experience, Walker joined Silverflow as a Cards Scheme Manager. In this role, he will manage relationships with our card networks, assist in client onboarding, and help develop the product proposition.

Yi studied Electrical Engineering with a strong focus on Telecommunications at Eindhoven University of Technology before she started her career at Underwriters Laboratories (UL), which was her first step into the world of payments.

Starting off as a technical analyst at UL, Yi was soon promoted to tech lead and service owner. The role 'tech lead' allowed her to provide strong technical direction, mediate technical debates and manage the technical quality of project deliveries; while the role 'service owner' added more business elements in her professional life. During her 7 years at UL, she had the unique opportunity to work with Acquirers and Issuers of all sizes across the globe.

Before joining Silverflow, Yi was part of the CCV team responsible for verifying and validating new features added to the cloud-based (AWS) Acquiring processing host.

As a Product Manager, Yi outlines product vision, creates actionable strategies, and oversees product development from conception to completion.

Born and raised in India, Kunal started his career at Grant Thornton, building their first startup accelerator program in India. He then moved to Singapore, working at a technology investment bank on fundraises and M&A across Southeast Asia. Most recently, he specialized in early stage fintech investments at Inkef Capital, a European Venture Capital firm and one of the early investors in Silverflow. Kunal holds a B.A. (Hons.) degree in Economics from University of Delhi (India) and a Masters in Finance from ESSEC Business School (France).

Cassandra has always been passionate about both people and business. As a senior in high school, she joined Junior Achievements Canada’s entrepreneurship program where she gained first-hand experience running a student business and participating as the VP HR within her team. She went on to complete her Bachelors of Management Organisational Studies (HR) from the University of Western Ontario. Upon graduating, she worked as an HR Coordinator for a non-for-profit student government organisation and as a Talent Acquisition Partner at an ISP scale-up. 

She moved to Amsterdam in 2018 to continue to broaden her experience by joining ING Bank as a Global HR Business Manager. With 8 years of experience, Cassandra is excited for this opportunity to join an established start-up as the first HR team member and to learn more about the exciting world of payments. 

At Silverflow, Cassandra is responsible for building upon the overall HR strategy and employee journey.

Rogier studied CIOS - Facility Management and has 15 years of experience within office management, 4 years being facility management within hotels, 6 years within a corporate environment, and 5 years within a scale up. Rogier was excited about the opportunity to join Silverflow and a start up due to the possibility of creating a work environment from the beginning phase and to be a part of the overall team impacting the payments industry.

As our Office & Facility Manager, Rogier is responsible for everything which includes our office space, making it a great place to work and where everyone feels comfortable to be their best. Rogier is involved in everything from executing the perfect workspace, to planning company events, daily lunches and an overall clean environment.

With a curious mind, a BSc in computer science and a deeply rooted passion for programming, Justin views the field of engineering as a craft; you just can’t know enough about it. He’s as familiar with low-level concepts like the 6502 microprocessor registers as with high-level concepts such as cloud-native microservices and scalability. At Silverflow, Justin is responsible for developing the core Silverflow platform.

Pim studied Electrical Engineering and Computer Engineering at the TU Delft, giving him a broad perspective on computer systems, ranging from the transistor level to system architecture and from differential equations to software engineering methodologies.

Working in payment certifications at UL in Leiden (Netherlands), brought him into contact with a wide range of players in the industry, where he was struck by the contrast between the established names and the new tech players in the way they operate and develop their payment systems. Seeing how the payments ecosystem is a very dynamic world with a unique combination of both ancient and cutting-edge elements, Pim is eager to tackle the challenges that occur when these systems meet and engineer a platform that bridges the gaps.

René Mulder enjoys working in teams with a strong focus to challenge the status quo. He has a passion for technology, but love for people.

He started coding at the age of 12 under the guidance of his physics teacher. He ultimately ended up working in various roles as consultant, architect, product owner, team manager and sales engineer, but always keeping in touch with the contents. The recurring theme has always been IT security. He has worked in various sectors ranging from government to industry and finally fintech in the past 5 years.

As a Senior Software Engineer he is responsible for translating card scheme requirements into a high secure, high performance cloud native implementation.

Tjerk is an experienced Cloud Software Architect with a strong background in software development and a passion for security. His programming experience spans more than 28 years of which a solid 15 years in the FinTech sector as a Full Stack Developer and Software Architect.

Starting in the financial sector as a Software Developer he has worked in various other industries, before returning to the Fintech sector in 2010 as a Software Architect. Before joining Silverflow in 2021 he spent three years developing a secure and scalable cloud-native platform and several features of a 'serverless' retail bank.

As Principal Software Engineer, Tjerk is responsible for designing and help implement our secure and scalable service at a global scale using cloud-native technology, while maintaining a high degree of automation and ensuring the solution is provably compliant at all times.

Elif has been building software solutions for 14 years. She is experienced in fin-tech, payment systems and customer loyalty domains with cloud-native architectures.  She is an agile enthusiast. After building tailor-made solutions for enterprise customers for 10 years, she decided to move from Istanbul to Amsterdam and she accepted the challenge to build SaaS products.

“What I like the most about product development is that challenges are not only technical and managing trade-offs during the product design process is essential. I tackle this challenge by asking questions constantly. ‘Why?’ is my favourite.”.

As a Senior Software Engineer, she is responsible for delivering cloud-native solutions with a data-oriented mindset and contributing to the engineering processes for optimizing the team output.

The passion for challenges and programming is what drove Mihail to study Computer Science and Engineering at TU Delft.

Besides the regular software courses that were part of the curriculum, he did not hesitate to dive into different fields like Machine Learning and Multimedia Analysis. He did his bachelor's thesis on Neural networks in Speech recognition is proof of his determination and passion for software development. One of the most memorable lessons he learned  is: "A good programmer is a lazy programmer".

At Silverflow, Mihail is working on the core components of the platform. He sees this as a great opportunity to experience and contribute to the development of a modern cloud-native, microservice-based payments system. Btw he uses Debian!

Roberta studied Computer Science and Engineering at TU Delft.

During her BSc she had the chance to follow her passion for programming and engineering and her experience as a researcher in the Software Engineering Research Group at Delft University of Technology enhanced her curiosity and her devotedness to innovation.

She sees the payment ecosystem as a constantly evolving and stimulating environment, and thus the perfect chance to engineer a system that is reliable and game-changing.

Martine studied Computer Science in Leiden. Her thesis was focused on improving the software development cycle through automated testing, for low-level systems to end-user applications.

Before getting her BSc in Computer Science Martine studied visual design. Passionate about design and development, she enjoys translating technical requirements into intuitive user interfaces as much as building well-tested applications.

At Silverflow, she is responsible for designing and building frontend systems.

Calixto is a self-taught developer with 6 years of experience in software engineering. He is always eager to learn something new.

Passionate about technology, he enjoys understanding how things work and what he can bring to the table to improve it.

His hobbies include cycling, rugby and everything in between.

At Silverflow he works on developing the core Silverflow platform.

Born and raised in Amsterdam, Fabian completed his Bachelors in Software Engineering at the University of Applied Sciences Amsterdam whereby Fabian’s graduation thesis entailed building a future-proof microservice architecture. His previous job experience was within a digital agency completing projects for the Municipality of Amsterdam and the sustainable vertical farming startup growy.nl. Having this experience completing work for a startup, Fabian wanted to further expand his technical knowledge as a software engineer within the fintech/payments industry, which is aligned with his favourite saying of “Always stay outside your comfort zone”.

As a Software Engineer, Fabian has joined our Data & Analytics team and is responsible for our analytics, data storage, monitoring and data processing.

After gaining a passion for all things tech and programming during his childhood in Sweden, Fredrik received his BSc in Computer Science and Engineering in the heart of Silicon Valley in the US. He spent the following years working for a variety of startups, obtaining experience in everything from back- and front-end to architecture.

Eventually, Fredrik found himself in Amsterdam eager to take on new challenges in a young and vibrant startup environment, which is when he joined Silverflow as a Senior Software Engineer. His main responsibilities include charge processing and interactions with the card networks.

When Fredrik isn’t hacking away on code you might find him either deep in some video game, or out and about in Amsterdam making the most out of life.

Vincent Partington studied computer science at the University of Amsterdam. In 1995, while still a student, he became involved in the budding Internet scene in Amsterdam and worked at the first free Internet service (De Digitale Stad) from 1995 onwards and then at website creation company NMG. After graduating in 1997, he stumbled upon what would later become Java EE and ran his first Java EE application in production the next year.

After working in the Java EE space for different companies, Vincent joined Dutch consultancy firm Xebia in 2003. There he started development of Java EE/.NET deployment automation product XL Deploy and co-founded the first successful Xebia spin-off XebiaLabs. In ten years, XebiaLabs grew to 150+ employees and 180+ customers worldwide and was finally acquired by TPG to form DevOps company Digital.ai.

Vincent is excited to join Silverflow to work at the cutting edge of cloud technology to build a highly scalable cloud-based service. As Principal Software Engineer, he is responsible for the design and implementation of our secure and scalable service at a global scale using cloud-native technology, and ensuring that we can grow our engineering organisation while maintaining quality, agility and speed.

Kris lives and breathes tech. Since he was eight he’s been using computers and started coding. Having travelled extensively as a kid, around Australia and abroad, he has an affinity for people and other cultures. Self taught, having entered the industry at 17, Kris has been everything from Systems/Network/Storage Engineer, Product Owner, Scrum Master, Team Lead and now focused on DevOps, the natural culmination of this path. 

Kris worked extensively with the big banks in The Netherlands. The ING/Postbank merger, ABNAMRO/Fortis merger and recently again with ING Wholesale being a driver for automation. Contributed writing multiple expert certification exams for IBM and EMC, developing the exam and questions taken by thousands of hopefuls worldwide. 

Kris is proud to join Silverflow, which is developing a cutting-edge global scale cloud native service. As Principal DevOps Engineer, he will take ownership of ensuring the platform is performant, scalable, resilient and secure, while making sure our developers can seamlessly deliver. Kris will cultivate the DevOps engineering culture at Silverflow, ensuring we have the talent to deliver a world class service.

Kris travels with his wife as much as he can, massive music fan, festival enjoyer and car nut. Can also cook.

Srgjan completed his CS studies in Macedonia and has been working as a Software Engineer for 6 years before moving to the Netherlands.

In the Netherlands, he joined Lightspeed, an e-commerce platform where he helped build the new checkout and integrated many payment service providers. His focus is mainly on the front-end side of things, but he also has back-end development and leadership experience, having led a team 5 engineers in one of his previous companies.

He’s very excited about joining Silverflow and looks forward to working on innovative global payment technology. As a full-stack engineer within the Disputes team, Srgjan is responsible for front-end development, but he does not shy away from working on back-end systems.

Kardelen completed her bachelors and masters in Turkey in computer science and came to The Netherlands for her PhD in software engineering. After completing her PhD she started her career as a software engineer writing Java code.

Kardelen has been working as a software engineer for a decade now, most of which is in e-commerce. She has always been a backend engineer but she likes to dabble with infra too. Kardelen strongly believes that engineering happiness is fundamental to building a good product and she is happy to think along to make way of working better everywhere she goes.

Dmitriy studied Computer Science with a minor in Deep Programming at Vrije Universiteit Amsterdam, with an extra focus on Computer System Security.

Being surrounded by computers since childhood, he loves to make the most out of available tools and resources. Spending his time overclocking and optimising his machine, he learned systems from within.

Following the “everything that can go wrong will go wrong”, he puts extra emphasis on edge cases and security. As a team member of the Clearing and Reconciliation team, Dmitriy will focus on expanding the functionality of corresponding services and building tools to assure integrity, reliability and availability.

Barış studied computer engineering at İTÜ and has been working for 20 years within software development before moving to Amsterdam in June 2022.

For the majority of his career he has worked within the fin-tech industry. Within the EMEA region, he worked on delivering and maintaining multiple projects on payment, customer loyalty, and brand membership domains. Having experienced the evolution of technology and SDLC during the last two decades, he believes the best is yet to come with many changes still just around the corner. 

Barış, a senior software engineer, is excited to be a part of the Silverflow family and eager to help in building battle-tested systems on a global scale.

Born and raised in Istanbul, Ömer completed two bachelor's degrees simultaneously; Computer Teaching and Instructional Technologies & Information Systems and Technologies. He has 6 years of experience working as a software engineer. He previously worked in Getir and was part of its success for 2.5 years. As he was eager to gain knowledge and experience in FinTech, he made his move from Istanbul to Amsterdam and joined Silverflow. He wants to accomplish great things here and be part of another success story. He's passionate about micro-services and cloud native solutions.

As a Software Engineer, Ömer has joined our Data & Analytics team and is responsible for our analytics, data storage, monitoring and data processing.

Jorge studied Systems and Computing Engineering at Los Andes University in Bogotá, Colombia.

He has over 10 years of professional experience as a Full Stack Engineer. During this time, he has helped many companies within different business domains, including e-commerce, marketplaces, food delivery services, and Crypto exchange.

He is passionate about designing and building scalable processes and software with an agile mindset while making sure to deliver value. He is always aiming to have a clean and sustainable SDLC and architecture, and ensuring to use modern Cloud-native tools and services.

At Silverflow, Jorge is responsible for building, maintaining, and designing internal systems and client facing applications.

Farah graduated from American University of Science and Technology in Beirut, Lebanon with a Master's degree in Computer and Communications Engineering. Farah began her career as a System Administrator at the Central Bank of Lebanon in 2016. In her previous role, Farah specialized in overseeing computer system operations. She was responsible for effective provisioning, installation/configuration, operation, and maintenance of systems hardware and software and related infrastructure.

Building on her 6 years of experience, Farah joined Silverflow as an IT Systems Engineer. In this role, she is responsible for managing all IT operational activities and contributing to the continuous improvement of the IT infrastructure with an internal customer focus.