Meet Our CEO
Andreas Efthymiou
Andreas Efthymiou is the Founder and CEO of Agrino Advisory Partners, a consultancy firm which helps organizations navigate digital payments, authentication, identity, and fraud. He brings more than a decade of experience building and leading products in the payments industry, including the development and deployment of EMV 3-D Secure and FIDO.
Under his steady and adaptable leadership, these products generated more than $400M in revenue during his tenure at Visa. Guided by a core commitment to trust, innovation, and long-term partnership, Andreas wants to empower financial institutions and fintechs to build secure, frictionless user experiences that scale.
Created and led a team of 17 product managers at Visa, with engineering capacity of 150+ engineers.
Leadership
Built authentication & identity products generating $400M in annual revenue.
Revenue Generation
Developed platforms in use by 6,000+ issuers that improve approval rates (by 3x) and reduce fraud (by 4x).
New Products
Assembled and scaled product analytics department for authentication & identity, finding $3M of lost revenue.
Analytics
Led product development across EMV® 3-D Secure (Visa Secure), FIDO (passkeys), biometrics, data-sharing, and identity access management.
Industry Expertise