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Franz-Xaver Guttenberger is an experienced professional with a diverse work history. Franz-Xaver is the MD and Founder of SEPAexpress | by b4payment since May 2016 and a part of STRATGranat as an Associate since May 2019. In 2015, they served as the Chair of the Benchmarking Committee at MRC / Merchant Risk Council, where they focused on promoting and enhancing fraud management and payment standards in the eCommerce industry globally. From 2012 to 2016, they worked as the Teamleader Payment & Analytics at Omniga and as the Senior Manager Payment & Analytics at Apireon. Prior to that, they held positions in controlling and finance at DEMEKON Entertainment AG and Siemens VDO.

Franz-Xaver Guttenberger completed their education in a chronological order. From 2003 to 2004, they attended Kreissparkasse Kelheim and obtained a degree in IHK Bankkaufmann. In the same period, they also attended Regent's University London, focusing on economics. Later, from 2005 to 2010, they pursued a degree in economics and politics at the University of Regensburg, which they successfully completed in 2010.