Stanley Epstein is a Principal Associate and Director of Citadel Advantage Ltd. Citadel Advantage works with banks, financial institutions and startups to make them safer and more profitable, through consulting and training in the banking and payments GRC (Governance, Risk Management and Compliance) areas.

Stanley has had more than 40 years of banking and IT experience, 33 of which were with the Standard Bank of South Africa. Additionally, over the years he has filled industry level roles, holding several key positions including that of Chairman of the Payment Association of South Africa (PASA) Risk Committee and representing South Africa at two sessions, in New York, of UNCITRAL (the United Nations Commission on International Trade Law).

He holds a Master Degree in Economics and a Bachelor of Commerce Degree (with Majors in Accounting and Economics), both from the University of South Africa, Pretoria.

Stanley has had extensive exposure to banking practice and banking operations in a number of countries including the USA, UK, South Africa, Europe and Australia. He has also acted as advisor to a number of central banks on payment systems, oversight, policy and payments risk issues.

More recently, he spent time in the high-tech sector as a payment systems designer and consultant to a global payments software developer.