Julian Sawyer is the CEO of Zodia Custody, the former CEO at Bitstamp and a co-founder of Starling Bank. He was formerly the Managing Director of the UK and Europe at Gemini and Co-founder and Chief Operating Officer at Starling, where he led it through periods of hyper growth, including scaling its app which has recently reached one million customers. Starling Bank is one of the largest mobile banks disrupting the retail banking sector in the United Kingdom (UK). Julian also oversaw Starling's business operations, including payment systems, card operations, and customer support. Prior to this, he started Bluerock Consulting, a financial management consultancy which he sold in 2012. Over the past 20 years, he has worked in high-growth financial services organizations, including as a management consultant at Andersen Consulting (now Accenture) and Ernst & Young, where he specialized in large-scale transformation in the cards and payments industry. Europe is the birthplace of modern financial markets and the UK has been a global financial capital of innovation for hundreds of years. The concept of thoughtful regulation was first developed from the lessons learned in these markets over centuries.