3S Money story
3S Money was launched by a team of experienced merchant bankers and FinTech professionals, all disillusioned with high-street banks that fail to understand the intricate workings and unique needs of businesses.
We believe that modern financial technology should provide fairness in banking, offering equal access to banking no matter where you trade.
We aim to provide a much-needed personal touch in a highly technological industry, effortlessly marrying the old-fashioned merchant banking experience with cutting-edge financial technology.
3S Money is a banking service for a community of selected cross-border businesses where members are accepted by invitation only.
3S stands for ‘three sigma’ or ‘three standard deviation’. For an approximately normal data set (think distribution of probabilities for possible outcomes in the future), values within three standard deviation of the mean (think base case) account for about 99.7%, or near certainty for what is practical to plan for. We, at 3S always aim to get our clients the best possible outcome whilst being prepared for 99.7% of what uncertain future may bring.
3S is a financial group that has been operating in the City of London since 2009. It has great expertise and a proven track record in dealing with regulated activities in the UK. For example, the founders, Andrei Dikouchine and Ivan Zhiznevskiy, serve as FCA-approved directors on the board of Relendex.com, an FCA regulated online peer-to-peer lending business.
Another entity controlled by the 3S Money founders is 3S Capital Partners BV, an asset manager regulated by the Dutch authorities. This has a substantial UK regulatory and banking element at the core of its investment activities in the UK.
Meet the team – directors
Our team are experienced merchant bankers and fintech professionals fed-up with high-street banks which fail to understand where you come from and what you need.
Ivan is a prominent UK FinTech industry leader. Ivan’s career commenced in 2002 when he cooperated with the BBC World Service as a business journalist, followed by high-profile roles with Business FM. In 2009, he transitioned to managerial and financial roles, serving as a partner at 3Sygma, a cross-border M&A outlet.
Ivan has undertaken key managerial and overseeing roles in a UK peer-to-peer lender Relendex.com and 3S Capital Partners, a Dutch-regulated asset manager.
Andrei is a renowned veteran of the UK banking industry with a wealth of leadership experience in top UK, US and global financial institutions.
The highlights of his 20+ year career in finance include senior positions in London and New York with Salomon Smith Barney / Citigroup (a major global bank), serving as Head of M&A / Investor Relations at SUEK (one of the largest mining conglomerates in the world), membership of the Board of Relendex (a premier peer-to-peer lending platform in the UK).
For over a decade, Andrei has taught Advanced Financial Modelling on the London Business School’s Master in Finance Programme.
Eugene is a well-known European FinTech information technology expert with almost 15 years’ IT experience. For over a decade, he has managed and overseen the IT function at a major Baltic bank, Rietumu, initially as Head of Business Technology and later as a VP / Board Member responsible for automating all aspects of the bank.
His experience includes web-based and mobile banking apps, customer authentication systems, document management technologies, online card processing capabilities and financial AML / KYC IT systems.
Eugene is a founding member of the Latvian Start-Up Association.
David is the Founder and CEO of Polymath Consulting. For over 20 years, he has worked on high-profile projects and advised major organisations in the cards and payments industry. He is particularly well known for his work in e-money and emerging market payments across Europe, Africa and the Middle East.
David is an active Non-Executive Director and advisor to the boards of major European FinTech institutions, including Cybertonica, Trezeo, Konsentus, Itemizze and Curve.
Finally, and most importantly, David is an award-winning and avid beekeeper.
For over 30 years, Martyn was an audit partner at Simmons Gainsford LLP, a ‘top 50’ West End firm of Chartered Accountants. His experience includes working with a wide variety of businesses across most industries in the UK and Gibraltar.
Recently, he has been an audit consultant for a number of businesses regulated by the United Kingdom Financial Conduct Authority.
Audrey is a well-recognised digital finance consultant and tax expert with a strong focus on FinTech-related projects. Her professional career includes a senior position in the “Big 4” and over 10 years’ experience in the bank industry, followed by a key financial position in a world-leading e-commerce company.
As well as this, Audrey is a regular speaker and active participant in the FinTech industry. She was also ranked in "The 100 Women on Board" by Paperjam 2020.