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Karen O'Sullivan

Head of the Innovation, payments, market infrastructures and governance Department at the CSSF.

Karen O’Sullivan is head of the Innovation, payments, market infrastructures and governance Department at the CSSF.

She coordinates the activities of this department which is responsible for financial innovation, both the application process and on-going prudential supervision of payment institutions and electronic money institutions, the registration and AML supervision of virtual asset service providers, market infrastructures and the oversight of remuneration and governance practices and policies implemented within financial institutions.

Being the department in charge of financial innovation means that Karen and her team are the privileged contact and point of entry to the CSSF for the FinTech industry. Furthermore, her team is responsible for coordinating the CSSF’s efforts with regards to the forthcoming MiCA Regulation .

She represents the CSSF on an international level through participation in various working sub-groups and as speaker at several conferences, covering payment services, virtual asset service providers, innovation topics, and remuneration policies and corporate governance matters at both national and international level.

Karen is both an Irish and Luxembourgish qualified chartered accountant. Prior to joining the CSSF in September 2012, Karen was an audit director at PwC Luxembourg specializing in the audit of investment funds.