Our Company

Founded in 2012, muinmos PASS revolutionizes regulatory compliance by enabling financial institutions to instantly and globally validate whether they can onboard a client in any part of the world. Our deep expertise in regulatory compliance is channelled through our technology to empower financial institutions to deliver a compliant, faster and more efficient client onboarding experience. PASS specializes in the following areas of the client onboarding experience: Client Categorisations, S&A, Cross Border and Third Country Clearances and Expert Advising.

muinmos is a RegTech 100 company

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Remonda Kirketerp-Møller

Remonda Z. Kirketerp-Møller

CEO & Founder

Remonda is a visionary business leader, financial industry veteran and CEO/Founder of muinmos, Remonda is helping revolutionize regulatory compliance and client onboarding in the financial services sector. She is a recognised speaker and expert advisor on regulatory matters and in the FinTech and RegTech space and is a contributing author of “The RegTech Book” – available for purchase.

Driven by a desire to simplify regulatory compliance for financial institutions, Remonda founded muinmos in 2012 with a clear mission “to eliminate the regulatory burden which has hindered financial institutions in realizing and utilizing the full potential of their global client base”. PASS is muinmos’ innovative solution that uses algorithmic rule-based AI to automate client onboarding and regulatory compliance for financial institutions. PASS enables financial institutions to systemise and streamline client onboarding while validating regulatory compatibility for a range of financial products and services on a national and cross border basis.

Remonda has a proven track record using technology to automate highly complex legal and regulatory processes in financial services. As the former Director of the Legal and Compliance Department at Saxo Bank from 2003-2008, Remonda founded the Market Data Department specialising in big data analysis and process automation to support Saxo Bank’s global business strategy. In 2008, she co-founded CFH Group Companies, which has become a market leader in its global offering and sold to Playtech in 2016.

Remonda is authorized and regulated by the Solicitors Regulation Authority of England and Wales, a member of the Danish Bar and Law Society, a recognised European lawyer, and holds a number of Board positions.

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+45 4029 9002
Lars Holst

Lars Birk Holst

Chairman

Lars is an expert in E-FX with over 20 years of experience in the banking sector. He co-founded and served as CEO of CFH Clearing with a unique background from both the retail and banking side and most recently from the technology sector of the industry. CFH Clearing was sold to Playtech (symbol: PTEC) in November 2016.

Prior to CFH Clearing, Lars was European Head of Currenex’s (StateStreet Bank) Margin Trading Group and responsible for both the product and the business side. Lars was employed to help create and build a new margin (retail) broker trading platform and was responsible for delivering the majority of the global budget.

Lars also spent several years with Dresdner Bank as Head of E-FX Sales and was a key player in all E-FX initiatives and the E- FX turnaround. His responsibilities included business sponsor for Dresdner’s white label solutions and for all relationship towards API clients, brokers, ECNs and multi-bank platforms. Before leaving, Lars was made interim business owner of the FX Prime Brokerage team.

Lars also has over five years’ experience with Saxo Bank in various leadership roles including Global Head of Sales and Account Management. Lars holds a BSc and MSc and is a CFA Charterholder.

At muinmos, Lars is the Chairman and adviser to the business.

Lars Torpe Christoffersen

Lars Torpe Christoffersen

Board Member

Lars Torpe Christoffersen holds several Board positions in companies throughout Scandinavia and the rest of Europe, and has more than 12 years’ experience in the mergers and acquisitions field.

In his former position as President at Denmark’s main telecommunications operator, TDC, Lars achieved solid year-on-year delivery of targets and budgets, continuously breaking new ground for business growth.

As an entrepreneurial investor, Lars is committed to hands-on management and building strategic partnerships and initiatives to secure efficient return on investments for emerging companies.

At muinmos, Lars is a Board member and adviser to the business.

Michel André

Michel André

Board Member

Currently holding position as CTO at Saxo Bank with over 20 years background as architect, manager and technical leader in the financial services industry specializing in internet trading platforms, exchange technology, DMA broker networks, price/quote formation and dissemination, real time risk management, information distribution and other areas requiring extreme reliability, scalability whilst retaining low latency, high throughput and maintaining and achieving the business requirements.

Michel has long experience and worked with all aspects of business, management and technology within the fintech industry from architecture, development, processes, governance, change management and mergers and acquisitions. In his various roles he has been a part of designing and executing on larger strategic initiatives and investments in multiyear transformation programs to modernize and upgrade technology to meet demands of the business.

Even if Michel is a passionate practitioner at heart, he has a keen interest in both the academic side of architecture, technology, methodology, management and distributed systems and the more pragmatic side of actually transforming business requirements into reality and workable products.

An agile mindset and putting people over process and practicing the art of continuous delivery, minimum viable product and using lean and agile methodologies while keeping an eye on the long term sustainability, structure and shareholder value is also a hallmark of Michel's thinking and acting.

Previous employers and customers include amongst others NeoNet, Swedbank Markets, OMX Technologies, Stockholm Stock Exchange.

Specialties: Architecture, Technology, Scalability, Throughput, Business alignment, Distributed systems, Mergers and acquisitions, Enterprise Architecture.

Ashraf Sleiman Agha

Ashraf Sleiman Agha

Board Member

With over 27 years finance and operations experience including 8 years as Head of Treasury in Saxo Bank (2000-2008) where Ashraf was responsible for liquidity management, hedging of FX exposures, compliance / AML screening and reporting, short-term investments, funding, sweeping and cash pooling, cash management & SWIFT administration.

In 2008 Ashraf went on to design and operate similar platforms in FX & cash management for CFH Markets where he was a co-founder and Executive Director, accountable for all operations including back office, risk management, liquidity, payments & cash management, end of day processes & bank relations, and subsequently, between 2011 and 2014, as Chief Operating Officer of the Foreign Exchange business at Marex Spectron with responsibility for business development & strategy, liquidity, execution, designation notices, prime brokerage, clearing, margin management & regulatory issues.

Most recently, Ashraf held a number of controlled functions for various firms with the UK FCA including: Authorised Company Director (CF1), Customer Function (CF30), Chief Compliance Officer (CF10), CASS oversight reporting officer (CF10a) and Money Laundering Reporting Officer (CF11).

ashraf.agha

+44 7414917380

Michel André

Michel André

Board Member

Michel is currently holding position as CIO at Banking Circle, and held various high profile technology and engineering leadership positions as CTO at Saxo Bank and Chief Enterprise Architect in Nordea. With over 20 years background as manager, architect and technical leader in the financial services industry specializing in payments, banking platforms, trading platforms, exchange technology, DMA broker networks, price/quote formation and dissemination, real time risk management, information distribution and other areas requiring extreme reliability, scalability whilst retaining low latency, high throughput and maintaining and achieving the business requirements – worked with all aspects of fintech before it was invented as term, a firm believer in automation and technology solving todays regulatory challenges.

Michel has long experience and worked with all aspects of business, management and technology within the fintech industry from architecture, development, processes, governance, change management and mergers and acquisitions. In his various roles he has been a part of designing and executing on larger strategic initiatives and investments in multiyear transformation programs to modernize and upgrade technology to meet demands of the business.

Even if Michel is a passionate practitioner and pragmatic practitioner at heart, he has a keen interest in both the academic side of architecture, technology, methodology, management and distributed systems and the more pragmatic side of actually transforming business requirements into reality and workable products.

An agile mindset and putting people over process and practicing the art of continuous delivery, minimum viable product and using lean and agile methodologies while keeping an eye on long-term sustainability, structure and shareholder value is also a hallmark of Michel's thinking and acting.

Previous employers and customers include amongst others NeoNet, Swedbank Markets, OMX Technologies, Stockholm Stock Exchange.

Specialties: Architecture, Technology, Scalability, Throughput, Business alignment, Distributed systems, Mergers and acquisitions, Enterprise Architecture.”

Ashraf Sleiman Agha

Ashraf Sleiman Agha

Board Member

With over 27 years finance and operations experience including 8 years as Head of Treasury in Saxo Bank (2000-2008) where Ashraf was responsible for liquidity management, hedging of FX exposures, compliance / AML screening and reporting, short-term investments, funding, sweeping and cash pooling, cash management & SWIFT administration.

In 2008 Ashraf went on to design and operate similar platforms in FX & cash management for CFH Markets where he was a co-founder and Executive Director, accountable for all operations including back office, risk management, liquidity, payments & cash management, end of day processes & bank relations, and subsequently, between 2011 and 2014, as Chief Operating Officer of the Foreign Exchange business at Marex Spectron with responsibility for business development & strategy, liquidity, execution, designation notices, prime brokerage, clearing, margin management & regulatory issues.

Most recently, Ashraf held a number of controlled functions for various firms with the UK FCA including: Authorised Company Director (CF1), Customer Function (CF30), Chief Compliance Officer (CF10), CASS oversight reporting officer (CF10a) and Money Laundering Reporting Officer (CF11).

ashraf.agha
+44 7414917380

Copenhagen Office:

+45 4029 9002

London Office:

+44 (0)74 1491 7380