Sofia E. Freyder is an accomplished leader in the payments and marketing sectors, currently serving as the Head of Payment Express for Global Instant Payments at Citi since April 2023. Previously, Sofia held the role of Head of Real-Time Payments and Pay by Bank at JPMorgan Chase & Co., leading product development and market launch initiatives. Other notable positions include Global Head of Product Marketing and Strategic Partnership at Earthport, Vice President of Product Management at MasterCard, and Senior Product Management at Western Union. Sofia's career began at Baltic Beverages Holding/Carlsberg Group, where significant marketing contributions were made. Educational qualifications include a Master's degree in Marketing from the Academy of State Service and both a Master’s and Bachelor’s degree in Business Administration from South Ural State University.