Raluca Efford

Raluca Efford currently serves as the Chief Operating Officer at Vemi Money, an AI-native fintech focused on launching as a Shariah-compliant bank, where responsibilities include building the operational framework and regulatory controls for the bank's launch. Prior to this role, Raluca was with Direct Line Group for over 11 years, culminating as Chief of Staff to the COO, where significant contributions included reshaping leadership governance, leading regulatory implementations, and managing large-scale customer remediation programs. Raluca's diverse experience spans various leadership and strategic roles in organizations such as Zenith and Total Media, complemented by an Executive MBA from Warwick Business School and a sturdy foundation in economics and public relations.