_________________________________________________________________________________________________________________________________________________________________________

Built to execute in regulated financial environments

Arcadia’s Executive Committee brings together senior operators with hands-on experience across banking, payment infrastructure, regulatory environments, and international expansion.

This is not a startup team assembled for experimentation.

It is a leadership group designed to build, operate, and scale a financial institution.

Executive Committee

_________________________________________________________________________________________________________________________________________________________________________

This team is not assembled — it is structurally aligned with the company’s model.

It combines:

• payment infrastructure expertise (HiPay – large-scale transaction systems)

• banking license execution (Memo Bank – ACPR / ECB frameworks)

• African market expansion leadership (Djamo – leading fintech in West Africa)

• institutional and regulatory network access across multiple jurisdictions

This combination enables Arcadia to execute simultaneously across:

• infrastructure

• regulation

• distribution

— a requirement most fintech teams are not designed to handle.

Why this team wins

_________________________________________________________________________________________________________________________________________________________________________

The team covers the full stack required to operate a modern cross-border financial platform:

• banking & regulatory architecture (licensing, compliance, reporting)

• financial infrastructure & core systems

• payment systems & high-availability operations

• legal structuring across jurisdictions

• market expansion & strategic partnerships

• accounting, audit, and financial integrity

Each function is led by operators with direct experience in regulated environments.

Execution across all critical layers

_________________________________________________________________________________________________________________________________________________________________________

Leadership

______________________________________________________________________________________________________________________________________________________________________________________________________________________________

Founder, Chief Executive Officer

Builder and operator of complex financial and digital systems across multi-entity environments.

• Led large-scale banking, AML/CFT, and platform transformation programs

• Coordinated cross-functional teams across product, compliance, IT, and operations

• Designed and deployed multi-market financial architectures

• Deep expertise in execution, governance, and system orchestration

The CEO ensures alignment between strategy, infrastructure, and regulatory execution.

Sydney MARTIN

______________________________________________________________________________________________________________________________________________________________________________________________________________________________

Chief Financial Officer

Financial architect specialized in building and scaling regulated financial institutions.

• Former Head of Finance at HiPay, a European payment infrastructure platform

• Led banking license execution at Memo Bank (ACPR / ECB)

• Expertise in regulatory reporting frameworks (COREP, FINREP, SURFI)

• Strong experience in core banking systems and financial data architecture

Leads financial structure, regulatory alignment, and capital discipline.

Laurent ROUSSEAU

______________________________________________________________________________________________________________________________________________________________________________________________________________________________

Chief Technical Officer

Infrastructure and payment systems expert with deep operational experience.

• Former Head of Infrastructure at HiPay

• Built and operated payment-grade systems under PCI-DSS constraints

• Expertise in DevOps, incident management, and high-availability systems

• Experience managing complex production environments and technical teams

Leads platform architecture, resilience, and scalability.

Sylvain YOU

______________________________________________________________________________________________________________________________________________________________________________________________________________________________

Chief Sales Officer

Senior operator in digital finance and international expansion.

• 20+ years across banking, fintech, and consulting

• Former Global Expansion Manager at Djamo (leading African fintech)

• Led partnerships with Visa, Mastercard, banks, and regulators

• Deep expertise in African financial ecosystems and licensing environments

Leads market expansion, partnerships, and commercial strategy.

Aho SEKA

______________________________________________________________________________________________________________________________________________________________________________________________________________________________

Chief Partnership Officer — Africa

Strategic operator with strong institutional and regional network.

• Experience within Senegalese government and institutional structures

• Expertise in partnership development and ecosystem structuring

• Direct access to key stakeholders across West Africa

• Strong execution track record in business development and negotiations

Leads strategic partnerships and regional ecosystem integration.

Ababacar NIANG

______________________________________________________________________________________________________________________________________________________________________________________________________________________________

Chief Legal Officer

International legal expert specialized in technology and cross-border frameworks.

• Experience at Citrix, Informatica, BNP Paribas environments

• Expertise in GDPR, SaaS, IT contracts, and data protection

• Multi-jurisdiction legal structuring and contract negotiation

• Strong focus on risk mitigation and compliance frameworks

Leads legal structuring, contractual architecture, and regulatory alignment.

Agnieszka KOSIORKIEWICZ

______________________________________________________________________________________________________________________________________________________________________________________________________________________________

Chief Accounting Officer

Expert in financial reporting, audit, and accounting structuring.

• IFRS, multi-GAAP, consolidation, and audit expertise

• Strong experience in financial process design and control systems

• Expertise in reporting integrity and compliance frameworks

• Background in complex accounting environments and system migrations

Ensures financial accuracy, reporting discipline, and accounting integrity.

Marie-Laure CHERIT

_________________________________________________________________________________________________________________________________________________________________________

The Executive Committee is structured to operate as a coordinated system:

• clear separation between execution and control functions

• alignment between product, finance, compliance, and infrastructure

• decision-making integrated with regulatory constraints from day one

This structure ensures that growth does not compromise control.

A system, not individuals

_________________________________________________________________________________________________________________________________________________________________________

The team is built to support the company’s transition from:

• infrastructure startup
  → to

• regulated financial institution (European EMI and beyond)

Capabilities already embedded within the team include:

• regulatory readiness (ACPR / ECB / EMI frameworks)

• payment infrastructure operations

• cross-border financial structuring

• multi-market expansion execution

Designed for scale and regulatory transition

_________________________________________________________________________________________________________________________________________________________________________

The Executive Committee is structured to:

• protect capital through disciplined execution

• ensure regulatory compliance at every stage

• maintain operational control during rapid scaling

• reduce execution risk across jurisdictions

Investor alignment

_________________________________________________________________________________________________________________________________________________________________________

Arcadia’s Executive Committee combines hands-on experience in:

• building regulated financial institutions

• operating payment infrastructure

• scaling across complex international markets

Execution, control, and regulatory alignment are embedded from day one.

The company is not building toward operational readiness.
It is already operating within it.

Closing statement