A Fintech Company For Central Banks
Our key Drivers
- We are in the midst of an innovation wave in financial sector that is now impacting central banks
- The role of central banks is key to closing the financial inclusion gaps, especially in a post COVID world
- Ultimate success for central banks require public-private integrations
Why Central Banks?
We believe central banks need to innovate in order to deliver on the mandate of maintaining financial stability and efficient payment infrastructure for all. Our approach maps policy frameworks to technologies that can execute as intended.
Why Emerging, Developing & Transitional Markets?
There is a clear need and demand for modern payment infrastructure across the Africa and Caribbean regions. The financial market infrastructure in emerging, developing and transitional markets is cash heavy, inefficient and exclusive to many.
The Team
Carmelle Cadet
Chief Executive Officer/Founder
A passionate advocate for financial inclusion and economic development in emerging markets, Carmelle founded EMTECH, a NY-based Fintech, to help Central Banks around the world with adopting modern technologies to provide financial inclusion by design and develop resilient financial market infrastructures.
Carmelle is an experienced Finance and Business Leader in the Enterprise IT sector, with specializations in the Financial Services and Blockchain Technologies. A passionate advocate for financial inclusion and economic development.
For the last 3 years, Carmelle worked on Digital Currency technologies and strategies for the purpose of addressing financial inclusion and lowering the cost of cross border payments. After a 10-year career at IBM in Corporate Finance/Treasury and Software Business Development Executive, Carmelle is now a sought-after thought leader and innovator in financial services, central banking technology and blockchain with the mission of providing everyone access to a digital cash infrastructure.
Carmelle engages with Central Banks from Africa to the Caribbean to enable their transition to the digital currency era in an inclusive way. She earned her Executive MBA from New York University and was also named NYC Fintech Women’s Inspiring Fintech Females 2019.
During her 35-year career, her public sector work included serving at the Federal Reserve Bank of New York and the Federal Reserve Bank of San Francisco and most recently at the US Treasury in the Office of Technical Assistance where she advised Central Banks.
Diane Maurice
Chief Risk & Policy Officer
During her 35-year career, her public sector work included serving at the Federal Reserve Bank of New York and the Federal Reserve Bank of San Francisco and most recently at the US Treasury in the Office of Technical Assistance where she advised Central Banks. Her most recent postings include the Central Bank of Moldova, the Central Bank of Afghanistan and the Central Bank of Tunisia. Diane also served in risk and asset management roles at Morgan Stanley, Fortis, ABN AmroBank, Moody’s Investor Services, State Street Global Advisors, TD Securities. Diane’s career has taken her from managing risk in asset securitizations, to asset management, to counterparty credit risk, to derivatives, to stress testing and now into digital currency. Diane is a strategic risk professional whose experience with a broad range of risks enables her anticipate issues and mitigate them.
Diane’s thought leadership includes speaking engagements on Blockchain and Technology, Cyber, Big Data and Emerging Risks, Central Bank Risk Management, Stress Testing, and Operational Risk. She has published several articles on credit risk, mortgages and student lending. Diane has also authored/co-edited three financial technology books for Risk Books (London).
Diane serves as a volunteer board advisor to several non-profits including the Washington DC Value Tech Board, Nigeria’s COIN NEWS, the JC Kravit Foundation and the Community Development Board for North Beach San Francisco. Previous board positions include the Global Association of Risk Professionals (GARP), Risk Management Association (RMA), SF Habitat for Humanity and the Paris Based Asset Backed Credit Research Institute.
She holds a BA in History from Salem State College, an MPA in Finance from Arizona State University, a MSc from the London School of Economics where she completed work for a Doctorate in financial services regulation. She holds two recent professional ISACA Certificates on Controls (COBIT) and Privacy (CDPSE).
David began his career as a Staff Attorney at the U.S. Securities & Exchange Commission in both the Market Regulation and Enforcement Divisions. After working as an analyst and salesperson for two of the largest sell-side investment banking firms, David ran his own hedge fund managing and trading equities, options, and futures.
David Abramovitz
Executive Director - Strategy & Business Development
David began his career as a Staff Attorney at the U.S. Securities & Exchange Commission in both the Market Regulation and Enforcement Divisions. After working as an analyst and salesperson for two of the largest sell-side investment banking firms, David ran his own hedge fund managing and trading equities, options, and futures. During the last decade, David has worked in business development, strategy, and consulting for Fintechs, Regtechs, and LegalTechs.
As an Executive Director at EMTECH, David uses his unique set of skills working on Strategy, Business Development, Partnerships and Regulatory issues.
David Abramovitz received his BA in Economics, with Highest Honors at UC Berkeley, and his joint JD/MBA at UC Hastings College of Law and the Haas Graduate School of Business, UC Berkeley.
For over 25 years Tabor has built teams, products, and infrastructures for multiple B2C- and B2B-focused SaaS, e-commerce, and media brands. He has in-depth expertise in establishing and developing Business and Data Analytics processes for timely generation of business and financial reporting performance.
Tabor Wells
Chief Technology Officer
For over 25 years Tabor has built teams, products, and infrastructures for multiple B2C- and B2B-focused SaaS, e-commerce, and media brands. He has in-depth expertise in establishing and developing Business and Data Analytics processes for timely generation of business and financial reporting performance.
With decades of experience in scaling both Cloud-based and physical infrastructures for high-growth products, he ensures that his teams build software with resilience, observability, and security in mind.
He holds a BS in Computer Science from Portland State University and a MLS in Information Science from Simmons College.
Nita Saint-Hilaire
Head of Product
Nita is a native New Yorker by way of Haitian parents. A marketer at heart, and a Data Engineer & Programmer by trade with an art for Creative Thinking, Strategy and Storytelling. Nita has over 20 years of relevant experience in Marketing, Product Development, Research and Analytics. She has a true passion for data and is adamant about delivering secure systems, processes and platforms that bring creative solutions to society.
Her speciality is enablement of enterprise solutions without disruption to business operations. Planning and prototyping enterprise level end-user solutions through discovery, tech stack and data evaluation. Providing frameworks that properly account for cloud services, application libraries and front-end user interfaces.
She is active in the tech, blockchain and quantum engineering spaces with data integrity and end-users at the core of her approach. She comes from a hybrid background working at some of the most prestigious organizations driving innovation and digital transformation at: Warner Music Group, COTY Fragrance, Publicis, WPP, Goldman Sachs, Capgemini, IBM and now EMTECH.
She has worked across many industries with an expertise in Martech & Adtech, with a strong emphasis in the Finance, eCommerce and Pharma sectors.
Tunji has several years of extensive professional experience in delivering technology-enabled business transformation solutions for large financial service providers, financial system regulators, and FinTech startups across Africa.
Tunji Odumuboni
Executive Director – Africa
Tunji has several years of extensive professional experience in delivering technology-enabled business transformation solutions for large financial service providers, financial system regulators, and FinTech startups across Africa. He led the FinTech practice in KPMG Nigeria towards the end of an 11-year career in the firm. He was a leader in the firm's Emerging Technology & Digital Transformation Consulting business, working across Africa as part of KPMG project teams.
Tunji has extensive knowledge capital on emerging technologies (Blockchain, AI/ML, Robotics, IoT) acquired from various local and off-shore training and hands-on experience in leading/managing several client projects across varied industries, including financial services, telecommunications and consumer markets. He has led several technology-enabled business transformation engagements/initiatives for clients, including digital strategy, IT strategy, omnichannel strategy & implementation, systems evaluation & selection, system design, process automation, core banking and digital channels transformation, cloud-based enterprise systems implementation, open banking implementation amongst others.
He has led projects consisting of multinational teams across the African continent, including Nigeria, Kenya, South Africa and 9 other countries in West, East & Central Africa. He has extensive business development skills and was at the heart of converting and executing some of the region's largest and most complex Technology Consulting engagements over the last 8 years.
Solomon has years of experience as business development lead with proficient design thinking capabilities. His expertise lies in developing and effectively adopting technological design solutions to fit existing and emerging problems.
Solomon Afranie
Business Analyst, Ghana
Solomon has years of experience as business development lead with proficient design thinking capabilities. His expertise lies in developing and effectively adopting technological design solutions to fit existing and emerging problems. Solomon speciality is forecasting, project management and strategic planning within FinTech start-up ecosystems.
He holds Associate Degree in IT: Computer Networking and Telecommunications from Ghana Institute of Management and Public Administration (Accra) as well as Associate in Business Administration from University of the People - Pasadena, CA, USA.
Durga’s expertise is in the area of support and management, relative to activities involving client service relationship, on-boarding, management, training, problem resolution and operational improvement.
Durga Madhuri Bahadursha
Delivery Manager - Product & Services (FinTech | RegTech / Blockchain / Payments)
Durga’s expertise is in the area of support and management, relative to activities involving client service relationship, on-boarding, management, training, problem resolution and operational improvement. She has an extensive background in Delivery Management, supporting the tactical and strategic service needs of the clients. She has experience in managing large commercial accounts for leading organizations in a Global Delivery model. She is results driven in achieving higher levels of customer satisfaction and ensuring accountability for successful project delivery.
Durga is passionate about building productive working relationships with the customers, providing delivery excellence and solving complex business problems in collaboration with the team and the stakeholders. She believes in Continuous learning and adapting new technology innovations into the workspace.
She holds the Executive Education certificate from The Wharton School, Online program in Fintech Revolution: Transformative Financial Services and Strategies, Masters of Science (M.S) degree in Computer and Information Sciences, from Nance College of Business, CSU, Ohio, USA and Bachelors of Engineering (B.E) Degree in Computer Science from Osmania University, Hyderabad, India.
Our Advisors
Current Board Member of GitLab, SPAC. Former COO at Intuit.
Current Fintech Advisor and Investor. Former IMF
Co-Founder and COO of DarcMatter (DM), Konstellation, and VegaX
Former Stripe and PwC
Our broader team is distributed across the Caribbean, Europe, Asia and Africa
Our Partners
