421 is an advisory and consultancy firm that creates value for our clients by leveraging our financial, regulatory and change management expertise. Our clients are mainly found in the Nordic countries’ financial services sector.
Leveraging our financial, regulatory and change management expertise
At 421 we operate in two business areas. AML Risk & Analytics offer expertise in AML/CTF, and our Payments team of experts help prepare our clients for the payment landscape of tomorrow. We aim to build partnerships with our clients, and it is our firm belief that the right change, done the right way, with the right people is the key to helping our clients achieve their goals.
421 is an organization with an entrepreneurial mindset, with an inclusive and friendly company culture. We believe this reflects our goal of being the best employer for consultants in financial services. Our biggest asset is our people, and we cherish the “we” in our deliveries.
Get to know our team
Carl Johan Molander
Karl Pyk is a management consultant with experience from several Swedish commercial banks, where he's had roles ranging from project reviewing to customer facing line operations, giving him an insight in a banks internal and external operations as well as the Swedish and European payment infrastructures.
Prior to joining 421, Karl has worked in recruitment/marketing and most recently technical sales. Positions where his creativity, problem solving skills and proactive attitude helped achieve the desired results.
Outside office hours, you'll likely find him at the gym, or with family and friends. He likes skiing, and learning about history and cultures. A fun fact about Karl is that he's a former junior national team fencer.
SannaMari is a consultant with a background in banking and financial technology. Prior to joining 421, she has held key roles in operational risk management, including validation and implementation of AML risk models, yearly regulatory reporting to the Financial Supervisory Authority and improvement of KYC processes.
In her spare time, SannaMari loves to play and compete in racket sports. With a former career in table tennis, she now mainly tries to improve her padel tennis and tennis.
Shabnam is a Manager at 421 and has extensive experience in project management role, including complex regulatory projects such as GDPR, as well as risk analyst and resource management roles within the financial sector.
In addition to financial sector, Shabnam has experience of working in two International Organisations (including United Nations) as international consultant, with focus on energy efficiency related projects, event management and strategic planning both in Sweden and in Austria.
During her spare time, Shabnam enjoys doing sports including playing basketball and swimming; spending time with friends and family, and on top of all, travelling around the world.
Richard is a senior consultant and partner at 421 and has a specialization in large scale program and project management within the financial sector.
Prior to joining 421, Richard has held various positions as e.g. senior executive at a global financial software company and line position in a Swedish bank.
When he is not working, you can most often find Richard in a kayak, submerged or on a bike trying to catch-up with his colleagues.
Catharina is a high experience consultant at 421 and has an extensive background from leading change projects within the financial industry. She has many years of experience working in global organizations, and an understanding of different delivery models and can take ownership of total deliveries, from pre-study to implementation.
Prior to 421 Catharina had the role as senior project manager in the tech area for one of the largest companies in the capital market.
If Catharina choose herself, she spends her free time with family and friends, gladly over a nice dinner or meeting up for a cultural event. She also loves to travel and hiking out in nature.
Mikael is the Managing Partner at 421 and has been with the company since 2016, when he joined as a senior project manager. He has extensive experience from business development, project management and business transformation in fast moving companies, within areas such as Credit Management, FinTech and M&A, where growth always has been a key factor.
Prior to joining 421, Mikael has held several key positions within some of the largest FinTech start-ups in the Nordics. Most recentl he was part of the start-up team behind Qliro Financial Services as Head of Credit and later Head of New Product Development.
When Mikael is not building 421 into the next generation consultancy is he probably either learning a new sport, spending time with his family and dog or out traveling.
Carl Johan is a Manager at 421 and has a specialization in Project Management and PMO roles within the financial sector. He has gathered experience and developed a profound knowledge about processes within capital markets, operations and retail banking as well as business services.
Prior to joining 421, Carl Johan worked for a Nordic bank and he has held a number of project management roles within IT-implementation projects and process and cost optimization.
At his spare time, Carl Johan enjoys spending time with his family and as a golf enthusiast, he is spending plenty of time at the golf course with friends. Besides that, he has an addiction to alpine skiing and a profound love for racket sports.
Joakim is a senior consultant and partner at 421 with a track record of leading complex change initiatives within the Nordic banking sector. The initiatives often have a group-wide impact in the complex intersection of business, IT and regulations.
Prior to founding 421, Joakim worked as a consultant for a major consultancy firm working out of Madrid and Stockholm.
When he is not working, he enjoys taking an early round of golf with friends or spending time in the archipelago.
Anna has been with 421 since April 2018 as Head of People, with responsibilities such as recruitment, talent management and HR tasks in general.
Previously in her career, Anna worked in various roles within HR, recruitment and consultancy business.
In her spare time, you will find her in the stable or with her husband and dachshund in the woods near the house at Drottningholm.