Monika Liikamaa

Monika Liikamaa

About

Detail

Founder | Builder | Investor | Building what’s next
United States

Timeline


work
Job
school
Education

Résumé


Jobs verified_user 0% verified
  • Chaos
    Board Member
    Chaos
    Jun 2026 - Current (3 months)
    Board Member @ CHAOS Supporting growth & execution in spatial intelligence
  • Evogenom
    Chair of the Board of Directors
    Evogenom
    Apr 2026 - Current (5 months)
    Finnish health tech turning your DNA into a personal wellness roadmap — nutrition, recovery, hormonal health, and daily habits.
  • Aalto University School of Business
    Entrepreneur in Residence
    Aalto University School of Business
    Apr 2026 - Current (5 months)
    Entrepreneur in Residence at the Department of Management Studies, Aalto University School of Business. Based within the Entrepreneurship Unit (ENTU). Supporting the development of entrepreneurial potential among students, contributing to the Aalto Founder School, collaborating with faculty, and advancing university-wide entrepreneurship efforts. Backing bold founders, building entrepreneurial ecosystems, and working to move the needle on the 2% of VC funds that reaches female-founded companies.
  • Lignum Medical
    Executive Chair
    Lignum Medical
    Apr 2026 - Current (5 months)
    Lignum Medical is replacing plastic with birch. The company develops nanocellulose-based medical devices — starting with a novel injectable treatment for women’s stress urinary incontinence. Science-backed, sustainable, and designed for the future of women’s health.
  • L
    Founder
    Liikamaa Invest
    Jun 2022 - Current (4 years 3 months)
    I founded Liikamaa Invest in June 2022 as my long-term investment vehicle. After an initial period of building perspective and selectively deploying capital, I am now stepping into a more active phase, focusing on early-stage investments, particularly in Health and MedTech, while continuing to back founders solving meaningful problems across sectors.
  • Enfuce
    Co-Founder
    Enfuce
    Jun 2016 - Current (10 years 3 months)
    Monika Liikamaa is the co-Founder of payment service provider Enfuce. Monika’s visionary thinking and her 20+ years of experience in the fast-paced payment industry has enabled Enfuce to integrate services for its customers in record time. Building sustainable solutions is a core value of the company and this is made possible thanks to Monika’s wide knowledge of the industry. Monika believes wholeheartedly that a business is nothing without a great team of people, and that is why she has joined forces with industry experts as co-founders and employees. Enfuce is one of the leading Fintechs in Europe, with over 24 million end-users on its platform.
  • F
    Member of the Board
    Finnish Information Security Association FISA Tietoturva ry
    Jan 2017 - Dec 2017 (1 year)
    Finnish Information Security Association (FISA) is the largest information security association in Finland. FISA is a non-profit association, which objective is to advance information security professionalism, awareness and best practices. Activities include member meetings, discussion groups, company visits, conferences, CISSP-certification and participation of various information security programmes.
  • Aktia
    Director Cards and Payments (interim)
    Aktia
    Jun 2016 - Dec 2016 (7 months)
    I worked at Aktia Bank as the interim director responsible for Aktia Cards and Payments Business Unit. The unit works with the overall Lifecycle management of Aktia Visa branded cards and consumer credits and servicing Aktia Finance with services in regards to running their Mastercard program. My goal at Aktia is to ensure the growth targets set by Aktia strategy. I also had the P&L responsibility attached to my role.
  • Aktia
    Project Director, Cards & Payments
    Aktia
    Feb 2016 - Jun 2016 (5 months)
    Project director responsible of implementing the solutions, products and processes related to the Aktia - R-Kioski partnership, where customers can purchase Mastercard Global Prepaid cards at 619 R-Kiosks in Finland and also implement the "pay your bills" service at R-Kioski via Aktia.
  • Crosskey Banking Solutions
    Director
    Crosskey Banking Solutions
    Jun 2011 - Jan 2016 (4 years 8 months)
    Responsible for Crosskey Card and Mobile Payments Business At Crosskey I have been in charge of setting up the Card Business Unit, organising, staffing and setting the vision and goals for the unit, I had P&L responsibility. I was a member of the executive team of Crosskey and as a regional director also responsible for our Finnish market. Crosskey Card and Mobile Payments Solutions cover most parts of the card issuance sector. The services and solutions handle everything from applications to billing. All parts required to operate a card business, such as card manufacturing, accounting and printing, are examples of interfaces that are available. Crosskey has direct connections to both Mastercard- and Visa- schemas. The solution is also a
  • SPankki
    CIO
    SPankki
    Oct 2008 - Jun 2011 (2 years 9 months)
    As the CIO of S-Bank I was responsible for the bank's Service production and IT department and a member of the executive team of S-Bank. I was responsible for ensuring that the banks infrastructure and solutions fulfilled the business needs of the bank. I restructured and streamlined the organization in order to meet the demands of the post-project way of work within the bank. A member of the S-Group Strategic IT forum. When S-Bank acquired Citibank Finlands consumer lending business, I was responsible for the merger of the loan portfolio into S-Bank including IT and resources
  • P
    Chief Consultant
    Proactum
    Jul 2006 - Jul 2008 (2 years 1 month)
    I had the opportunity to be a part of starting up Proactum. Worked with various issues related to a start-up company; everything from developing the company website, recruiting people, offering to customer prospect to setting up the office IT. Started to work as a consultant for the S-Group in a project to setup a Bank for the Group, S-Bank. At the S-Bank project I worked as a test manager in the beginning of the project, responsible for the technical tests. The responsibility grew to lead the implementation and setup of S-Banks Card System and being a key role in the overall technical projects related to setting up the bank.
  • TDC Song
    IT Manager
    TDC Song
    Jan 2004 - Jul 2006 (2 years 7 months)
    As the IT Manager responsible for the internal IT of TDC Song (acquired Song Networks) I was a team manager of the Finnish IT personnel. My responsibilities included budget responsibility, internal IT development budget, the operation of the internal IT infrastructure and that the IT supported the company’s needs from information technology such as mobile devices and PCs. I was a member of the Nordic IT management team at TDC Song.
  • S
    Project Manager
    Song Networks
    Jan 2000 - Jan 2004 (4 years 1 month)
    As a project manager at Song Networks (who acquired Telia Finland) I worked with different projects such as implementing a common Active Directory for Finland, Sweden and Norway. Implementing a GIS system to keep track of the Telco network.
  • Telia
    International Network Planner
    Telia
    Apr 1999 - Jan 2000 (10 months)
    As an International Network Planner I worked in the switching team at Telia Finland, working with Ericsson AXE switch, responsible for the international network connections.
  • Cap Gemini
    Consultant
    Cap Gemini
    Jan 1998 - Jan 1999 (1 year 1 month)
    As a consultant at Cap Gemini I worked as a programmer (PL SQL) within the Telecom and Media Business Unit. I worked at projects for the Post of Finland (Suomen Posti) and Loviisan Voimala.
  • Unilever
    Trainee
    Unilever
    Jun 1997 - Dec 1997 (7 months)
    As a trainee at Unilever Helsinki office I participated in a project where we studied efficient consumer response and how to optimize marketing of products in a cooperation project with Ruoka Anttila.
Education verified_user 0% verified
  • Aalto University Executive Education and Professional Development
    Board of directors program
    Aalto University Executive Education and Professional Development
    Jan 2018
    Board of Directors is a high-level director and executive program with a truly global and strategic perspective. The program develops board members’ abilities to evaluate a company’s strategy in a constantly changing business environment. The focus is on strengthening the boards’ capability to direct the company. Participation in the program requires commitment to evolving as a team member in order to make personal board performance more effective.
  • Hanken School of Economics
    Executive Master of Business Administration (eMBA, Strategic Leadership
    Hanken School of Economics
    Jan 2014 - Jan 2015 (1 year 1 month)
    MBA Thesis: Understanding the customer's choice criteria: How to understand the customer in order to make a good value proposition.
  • Lapland University of Applied Sciences
    BBA, System engineering
    Lapland University of Applied Sciences
    Jan 1995 - Jan 1998 (3 years 1 month)
Awards verified_user 0% verified
  • M
    Winner of the 2018 Mastercard Lighthouse Development Program
    Mastercard and NFT Ventures
    The Lighthouse Development Program have concluded; a total of 15 startups, went through 6 workshops, in 3 cities, that brought together over 100 participants to explore opportunities for collaborative innovation. Four finalist companies have been chosen to continue through the final phase of the program based on the amount of progress they have made throughout the workshops and how innovative, impactful, and applicable their solutions are. We are pleased to announce the 4 finalists are Enfuce (FIN), Fidesmo (SWE), Ondato (LT), and Swiftcourt (SWE) After a packed agenda it was time to announce the winner of the 2018 Lighthouse Development Program. The 4 finalists were invited back on stage with Mastercard and NFT Ventures. Mats Taraldsson f
  • Management Events
    IT project of the Year in Finland 2008
    Management Events
    The Project of setting up S-Bank received the IT Project of the Year 2008 in Finland.
  • P
    Best Corporate Cards Initiative
    PayTech Awards
    Pleo and Enfuce win the Best Corporate Cards Initiative at the PayTech Awards in July 2022 The PayTech Awards, in their fifth year, recognise excellence and innovation in the use of IT in the finance and payment industry worldwide. Entries in the category must bring tangible improvements to the end-user as well as the organisation providing the product, increase the organisation’s efficiency and competitiveness, and be commercially viable. https://enfuce.com/pleo-and-enfuce-win-the-best-corporate-cards-initiative-at-the-paytech-awards/
  • H
    Revolutionary Fintech in Finland
    Helsinki FinTech Farm
    Helsinki Fintech Farm järjesti lokakuun aikana Vuoden mullistavin suomalainen fintech-yritys -kilpailun, jossa etsittiin nimensä mukaisesti innovatiivista ja skaalautuvaa finanssiteknologian yritystä. Yleisögallupista finaaliin päässeet Enfuce Financial Services, Fundu, Holvi, Mash ja Moni luovutettiin tuomaristolle puntaroivaksi. Tuomariston jäseninä olivat Deloitten Marko Hykkönen, NFT Venturesin Vesa Laakso, sekä enkelisijoittajat Tero Weckroth ja Harry Brade. Tuomaristo näki kaikissa yrityksissä hyvää potentiaalia, mutta päätös syntyi lopulta melko helposti. Muun muassa maksamiseen liittyvää teknologiaa tarjoava Enfuce on maailman ensimmäinen PCI DSS -standardin (Payment Card Industry Data Security Standard) 1. tason yritys, jonka palv
  • I
    Named one of the fifty most inspirational women in technology in the Nordics!
    Inspiring Fifty
    You have been recognised for your incredible achievements which we believe make you a fantastic role model. Our aim with Inspiring Fifty is to increase diversity in tech by making role models like you more visible. --- InspiringFifty is a non-profit that aims to increase diversity in tech by making female role models in tech more visible. The Inspiring Fifty initiative was established by Janneke Niessen and Joelle Frijters to spotlight the incredible women excelling in tech careers, first in the Netherlands and increasingly around the world, and prove this is an industry in which women can and do thrive against unfavourable odds. Some you will know, others you might not- but all should be on your radar as kick ass women, who are the key d
  • P
    ‘Best Solution Provider for Payment Systems in the Cloud’
    PayTech Awards
    OpenWay has been recognized as ‘Best Solution Provider for Payment Systems in the Cloud’ at the PayTech Awards ceremony in London. The company received acclaim for the success of its project with Enfuce, the Nordic cloud-based issuing processor, and for the overall excellence of the WAY4 platform in processing cloud payments.  The PayTech Awards recognize excellence and innovation in the use of IT in the finance and payment industry worldwide. The judges include independent payment experts from banks, payment schemes, consulting companies and media.
  • T
    Enfuce chosen as one of top 10 most promising start-ups in Finland 2020
    Talouselämä
    Finnish financial and business magazine Talouselämä today announced that Enfuce is one of the top 10 most promising start-ups in Finland in 2020. Each year Talouselämä chooses the most promising start-ups and the selections are made by an expert panel that changes every year in cooperation with Talouselämä’s editorial team. The expert panel’s statement on its selection of Enfuce: “The next generation of financial technology services in the cloud. Innovates the industry and supports digitalisation. The efficient team offers a flexible and agile infrastructure for a fast changing field.” Talouselämä valitsi Suomen lupaavimmat startup-yritykset jo yhdeksättä kertaa. Valinnat tekee asiantuntijaraati yhdessä Talouselämän toimituksen kanssa. R
  • S
    Sonatype 2013 Luminary Award Winner
    Sonatype CEO Wayne Jackson
    The mission of the Sonatype Luminary Awards is to recognize and celebrate innovative leaders who have demonstrated * the vision to adopt new modern technologies in the area of application security, * the thought leadership to help guide product and market development, and * the passion and dedication to lead others to make it reality, from the letter attached: Monika, on your path to securing PCI certification for Crosskey,you quickly recognized that a new, more automated and proactive approach was required to be 100% compliant in the area of application security. We applaud your vigilance and unwillingness to compromise, proclaiming that "90% compliant is not compliance." You truly have demonstrated vision, passion and dedication to ensu
  • FinTech Futures
    Best Consumer Payments Initiative / Highly Commended - Instant Mobile Issuing
    FinTech Futures
    The 19th annual Banking Technology Awards took place on 13 December 2018 at London Marriott Hotel Grosvenor Square. Best Consumer Payments Initiative Winner: National Bank of Greece – i-bank Pay & i-bank Pay4B Highly Commended: St1 Finance – Instant Mobile Issuing
  • H
    Hanken Inspiration Award
    Hanken School of Economics Finland
    Hanken Inspiration Award was presented at Hanken Business Forum and this year it went to fintech company Enfuce Financial Services. The Hanken Inspiration Award is presented to a company that has shown growth and innovative thinking and thus sets an inspirational example for other companies. This year’s theme for Hanken Business Forum – what lies behing growth and the drive to succeed – was directly reflected in the award. The award was presented in collaboration with Tesla. The recipient of the Hanken Inspiration Award 2018, Enfuce Financial Services, was chosen among the companies that work within the incubator Hanken Business Lab. Enfuce offers cloud-based financial services to e.g. banks and other financial institutions. The company
  • C
    Best Payment & Compliance Solutions Europe 2019
    CFIco
    The CFI.co judges have conferred on Enfuce the 2019 award for Best Payment & Compliance Solutions Europe 2019. The payments sector is subject to changing regulations, evolving consumer demands, and advancing tech capabilities. A new kind of payment service provider, Enfuce, is capable of not only rolling with industry change but of influencing its trajectory. Based in the Nordics with offices in Finland and Sweden, Enfuce is one of the fastest growing fintech companies in the region. The company attributes its success to a workforce of over 50 experts with fintech and banking backgrounds and can-do attitudes. Enfuce creates custom-made solutions to provide compliance and enable collaborative partnerships. About the CFI.co Awards Programm
  • Crosskey Banking Solutions
    PCI-DSS Compliance - Achievement of the Year
    Crosskey Banking Solutions
    Program owner and Chairman of the steering group of the Project that achieved PCI-DSS compliance for Crosskey Banking Solutions in October 2013.
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