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Our Story

To make Kalgera a reality, dedicated professionals working in finance and technology joined Dr Dexter Penn, a UCL dementia researcher, to develop a simple tool to address the serious problems vulnerable people face every day.

Through his research and from meeting the families and carers of vulnerable people, Dexter identified an important cause of concern and worry for many.

He says: 'An increasing number of older or vulnerable people are cheated by fraudsters and financially abused and I wanted to put a stop to it. As a physician, I felt powerless to help my patients and their families struggling to manage financial vulnerability. Despite addressing their medical concerns I saw how financial worries seriously impacted the mental and physical health of my patients and their carers. In the spirit of justice and fairness, I embarked on the journey to create a solution to protect them and that's how Kalgera was born.'

Press, Awards and partners

Since our launch, Kalgera has been winning awards and endorsements from these trusted names:

Our Team

With a strong Fintech background and a wealth of experience in safguarding and understanding the reasons customers may be particularly vulnerable to financial fraud, the Kalgera team have worked to develop a system that is as beneficial for you as it is for your customers.

Dr Dexter Penn
Founder & CEO

Since qualifying as a Medical Doctor in 2010 Dexter has worked in Elderly Care and Neurology in various hospitals in London and overseas. Dexter was compelled to provide better safeguards for vulnerable people when a patient was financially abused and scammed out of the money meant to fund his place in a care home. Dexter is a Clinical Research Fellow at the UCL Dementia Research Centre and holds a Master of Science (MSc) in Research Methods from UCL, Membership in the Royal College of Physicians of the United Kingdom and is an NHS England Clinical Entrepreneur Fellow.

Chryssi Chorafa
COO

Chryssi is a highly motivated professional with a unique combination of experiences in the financial services industry and passionate about Fintech for Good. Chryssi's experience ranges from regulation working at the FCA in consumer protection and capital requirements, risk management, business development, trade finance, payments, and treasury. Chryssi has consulted and implemented several treasury and risk analytics system projects for blue-chip companies across EMEA. Chryssi holds a first-class honours undergraduate in Engineering, two Masters in Financial Mathematics, and Technology Entrepreneurship.

Mohammad Sayadi
CTO

Moe is an expert in Artificial Intelligence and Machine Learning with a proven track record of building robust and highly scalable systems architecture for financial services providers (i.e. banks). Moe holds a double Master’s degree in Machine Learning and Computer Vision (MMLCV) and Two Undergraduate degrees in Mechanical Engineering in Software Engineering. Moe has previously worked for Microsoft, T-Mobile and with several startups as CTO and Head Developer.

Max Atanassov
CFO

Max is a finance professional with two decades of banking experience who helps high growth companies institutionalise, get funded and expand internationally. As the first CEO of a nanotechnology startup that has grown to become a major international company he set up its presence in the US and Asia (Hong Kong and China), as well as assisted a Fintech business with creating regulated financial entities worldwide. Max has helped redefine Kalgera’s business model by embracing network economics and financial innovation, as well as deal with regulatory issues. Max is a Chartered Financial Analyst holds a PhD in Political Science and is FCA approved to perform a variety of roles including CF1 (Director) & CF10 (Compliance).

Michal Bacia
CSO

Michal is a practical economist and technologist, who builds solutions that work in the real world. He is also a successful business executive, project director and Subject Matter Expert with hands on experience in Blockchain and AI projects. After receiving his master’s, he worked in project finance, real estate, energy and software development for both startups and international enterprises. Additionally: Managed large, high value projects portfolios and teams of over 150 people; Worked with/for AirLiquide, PSEG, Lufthansa, Miles and More, Bosch, Sweetbridge, AmaZix.

Sash Margrie Hunt
Head of Product

Sash is a design professional with a primary focus on human behaviour and advancing the user experience. His expertise has been developed through designing and managing the implementation of both digital and physical products, as well as his work consulting/mentoring companies on their approach to UX, business and marketing strategies.

Peter Hahn
Non-Executive Director

Pete is former Dean and Henry Grunfeld Professor of Banking at The London Institute of Banking & Finance. He is a member of the governing council of the Association of Corporate Treasurers. From 2009-2014, Pete was Senior Adviser to the Bank of England’s Prudential Regulatory Authority and its predecessor the Financial Services Authority. Prior to academia, Pete had a long career in banking in New York and London lastly as Citigroup’s Senior Corporate Finance Officer for the United Kingdom where he was also a Managing Director. He received his PhD in Finance at the Cass Business School.

Helene Panzarino
Fintech Advisor

Originally a Commercial Banker, Helene is a highly experienced FinTech Programme Director, exited entrepreneur, educator and author. Her most recent role was MD of the global Rainmaking Colab FinTech Programme, a world-first, post-accelerator programme for Series A+ FinTechs and Tier 1 financial institutions. Responsible for the Inaugural Programme of Education and Events for Innovate Finance, Helene is also an Associate Director of the LIBF Digital Banking Centre, the Lead Fellow and creator on a world-first FinTech Pathway in a Masters in Tech Entrepreneurship Degree for UCL, and co-creator and lead delivery partner on the Imperial College FinTech Executive Education Programme.

Stylianos Kampakis
Data Scientist

Stylianos is an expert data scientist and statistician with experience in multiple domains including deep learning, natural language processing, recommender systems, statistical modelling and research design. Stylianos brings with him a wealth of knowledge and experience in health data modelling. Stylianos advises on Kalgera’s machine learning algorithm development and dataset management strategy. Stylianos holds a PhD in Data Science from UCL.

Ivona Wolff
Partnerships Advisor

Ivona is a well-rounded manager with experience in financial services advisory, commercial, product, pricing and partnership development across both large matrix organisations as well as small start-ups. Functional expertise in card payments (issuing and acquiring), retail bank benchmarking and loyalty services. Ivona holds a Masters in Economics from LSE. Ivona has leveraged her expertise and network to position Kalgera as an exciting use case for Open Banking.

Karen Thomas
Social Impact Guardian

Karen is a BBC-trained journalist, global markets analyst and nuclear technology correspondent. As a healthcare professional Karen has worked overseas in international development supporting resource-poor academic institutions and for humanitarian relief agencies. Karen is a strategic thinker who quickly analyses complex situations. Karen holds a PhD in Pharmacology and an MA in journalism.

Graeme Whippy
Advisor

Expert on disability in business and a well-known agent of change in the inclusion of disabled people – and people with other differences – in the workplace and society. Graeme has 20 years experience as an IT professional with significant experience working in highly regulated environments like financial services and social care. Graeme has a strong track record of forming, chairing and contributing to steering groups and committees including, most recently, a DWP working group on transition from education to employment and a cross-financial services sector working group supporting the Prime Minister’s Dementia Challenge. Graeme is a highly sought after international speaker and was awarded an MBE in the 2016 for services to people living with dementia and disabilities.