Our Team

We employ fintech thought leaders with substantial experience within strategic communication as well as communication experts with fintech experience.

Michael Juul Rugaard

Founding partner of Norfico

Michael has more than fifteen years of experience as a strategic communication adviser, author, and editor of magazines, books, articles and white papers.

In 2016, Michael co-founded Norfico, the first consultancy company in the Nordic region to deliver strategic advisory and communications services focusing on fintech – payments, regtech, blockchain and crypto.

In Norfico Michael has been responsible for strategic communication advice, editorial services and content providing for a number of clients within banking, fintech, blockchain and crypto. 

Before founding Norfico, Michael was a press spokesperson and press manager for six years at Nets/Teller, the largest payment and fintech company in the Nordics.

Kristian T. Sørensen

Founding partner of Norfico

Kristian’s work within financial services has made him an acknowledged fintech thought leader and speaker at conferences worldwide. He has been ranked on Fintech.Finance’s “FintechFamous”; Rise Global’s “100 most influential people in fintech”; Planet Compliance’s ”Top 50 Regtech Influencers”; Instech London’s “Insurtech Power 100” and was shortlisted by PayExpo for the 2016 “Payments Power 10”. Kristian has more than twenty years of experience with digital financial services and serves as a strategic advisor to leading banks and technology providers on current and emerging technologies, trends and regulation. He has also been delivering strategic advice and consulting to companies working with blockchain technology and tokenization as well as a member of workgroups and roundtables on the application of blockchain technology. Kristian holds a master’s degree in Communication and Psychology.



Tom Penn

Sales Director
Tom is into his third decade of working in sales across a variety of sectors and multiple platforms.
He has worked closely on projects with Norfico since 2017 before officially becoming part of the team and spearheading global sales efforts across the business in spring 2019.
Tom is constantly looking to open up new conversations and bring in new clients for Norfico whilst developing his understanding and knowledge within fintech.



Arnaldur Skorri Jónsson


Arnaldur studies a Bachelor’s degree in International Business in Asia at Copenhagen Business School and speaks Icelandic, English and Mandarin. Since 2019, he has been the Project Manager of Asia Days arranging annual two day Business in Asia events for students at Copenhagen Business School. In his sparetime, Arnaldur is an active member of the Business Development team at the CBS Blockchain Society.

Arnaldur is responsible for Norfico’s social media activities, and optimising the content for The RegRadar. 

Photo by Sandro Katalina