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Karine Papikian
Head of Account Opening, Advapay Canada
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Writes about
Banking accessAccount openingSafeguardingPayment partnersKYB onboardingCanadian MSBsCross-border paymentsBanking infrastructure
Karine Papikian is Head of Account Opening at Advapay, leading client onboarding and account-opening work across Canada and international markets. She works with fintechs, MSBs and PSPs on banking readiness, KYB, provider communication, documentation and the account structures needed to support real payment flows.
Karine has built and manages a network of 70+ banks, financial institutions and payment providers, helping clients identify appropriate banking, safeguarding, FX and payment infrastructure. Her work focuses on matching each business model and risk profile with suitable counterparties and preparing onboarding cases that can withstand detailed institutional due diligence.
As an author, Karine writes about banking access for regulated fintechs: how to become bank-ready, structure account-opening packages, explain funds flows and safeguarding, navigate KYB and provider risk appetite, and build the banking and payment relationships required for launch.
Authored texts