About us

Kalgera’s RegTech platform uses cutting-edge cognitive neuroscience to interpret financial behaviour captured in transaction data.

Recognising the serious issues facing vulnerable people, Dr Dexter Penn, a doctor and UCL dementia researcher, brought together like-minded professionals working in finance and technology to build our team. We translate knowledge from the medical world to financial services through the use of ‘deep-tech’ data science to protect vulnerable people.

Kalgera collaborated with the Financial Conduct Authority (FCA) on its Digital Sandbox Pilot focused on vulnerable customers to validate our algorithms using large scale data. We were selected for the National Cybersecurity Centre’s Accelerator run by Wayra. Our technology has been piloted with a Tier 1 UK Financial Institution.

Kalgera has received awards from UCL, Nesta and Tech Nation and was featured in The Sunday Times, Forbes, WiredUK, Which?, & The Financial Times.

Press, awards and partners

Our team

With a strong Fintech background and a wealth of experience in safeguarding 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. Is a Clinical Research Fellow at the UCL Dementia Research Centre and holds a MSc in Research Methods from UCL, Membership in the Royal College of Physicians and is an NHS England Clinical Entrepreneur Fellow. He was compelled to provide better safeguards for vulnerable people when a patient was financially abused, losing the savings to fund his place in a care home. This spurred him to set up Kalgera in 2017, blending his expertise in dementia, with his entrepreneurial drive.

Sash Margrie Hunt

Sash is a designer 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.

Stylianos Kampakis
Data Scientist

Stylianos is a data scientist and statistician with experience in multiple domains including deep learning, natural language processing, recommender systems, statistical modelling and research design. He 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. He holds a PhD in Data Science from UCL.

Armen Avetisyan
Lead Engineer

Armen is experienced in designing, developing, and implementing various SaaS products and enterprise software solutions in different domains. Armen has experience in modern software development practices and was involved in agile teams building customer-centric solutions. Armen holds a PhD in Engineering, and an MSc in Entrepreneurship from UCL specialising in FinTech.

Our advisors

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 to 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.

Richard Zirps
Senior Advisor

Richard has over 25 years international banking & capital markets experience with focus on Debt Capital Markets/Fixed Income Origination. Having worked at Citigroup, Lehman Brothers and NWM formerly known as ABN AMRO/RBS, his clients include public sector banks as well as their owners, commercial banks, insurance companies, special credit institutions and agencies as well as corporates. Following his banking career Richard set up Alluvium Capital Ltd specialising in advising “Best in Class” UK FinTech companies and introducing them to his Bank, Insurance, Agency, Asset Manager, Regulatory and Corporate contacts.

Helene Panzarino
FinTech Advisor

Originally a commercial banker, Helene is a highly experienced FinTech Programme Director, 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.

Ivona Wolff
Partnerships Advisor

Ivona has experience in financial services advisory, commercial, product, pricing and partnership development across both large matrix organisations as well as small start-ups. She has functional expertise in card payments (issuing and acquiring), retail bank benchmarking and loyalty services. Ivona also holds a Masters in Economics from LSE.

Rishi Bhattacharya
Communications Advisor

Rishi is the Founder and CEO of Impact & Influence, an independent communications consultancy designed for the next generation of leaders, companies and organisations. He has 25 years of communications experience, as both an advisor and a journalist. Prior to Impact & Influence, he was a senior executive at two international communications agencies for a total of 15 years, providing both C-suite advisory for companies going through fundraising rounds, as well as running complex communications programmes for some of the world’s largest companies. Before moving into communications, he was a broadcast political journalist during the Blair years.

Chris Kelsall
Financial Advisor

Chris Kelsall is Chief Executive of Tokamak Energy. He previously served as Chief Financial Officer, following his appointment to theBoard of Directors in 2020. Chris has 30 years’ international experience spanning commercial, financial, legal, operational and business transformation roles. This includes leadership positions in private and listed companies in the energy sector. As ChiefOperating Officer for HSBC Global Banking Europe, Chris was responsible for operational delivery and risk management in countries, including the major hubs in the UK, France and Germany.He also led the delivery of major business transformation projects within the bank, including Brexit. Chris holds degrees in Economics and Law, with a Masters in Finance from London Business School.

Karen Thomas
Social Impact Advisor

Karen is a BBC-trained journalist, global markets analyst and nuclear technology correspondent. With her background in healthcare, she has also worked overseas in international development supporting resource-poor academic institutions and for humanitarian relief agencies. Karen holds a PhD in Pharmacy and an MA in journalism.