Nikolaos Panagiotopoulos is Head of Compliance and Money Laundering Reporting Officer (MLRO) at Nexi Greece Payment Institution, with almost 20 years of experience in banking, payments, and financial crime compliance. He specializes in AML/CFT, payment services regulation, and governance across the digital payments ecosystem. Nikolaos has led major regulatory initiatives, including, acquiring of new licenses and passports, AML transaction monitoring, sanctions screening, and compliance frameworks for acquiring and banking institutions. He works closely with regulators, executive management, and technology teams to deliver risk-based compliance solutions that strengthen the financial crime detection.