Explore the comprehensive agenda featuring keynote presentations, panel discussions, and interactive workshops. Stay ahead of the curve with insights from banking and payments leaders and innovators.

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
Keynote address

Customer-driven banking: setting the pace of innovation

Mark Valentino picture

Mark Valentino

President and Head of Business Banking
Citizens Bank
Fireside chat

Modernizing banking and payments for the digital age

Raghav Agarwal picture

Raghav Agarwal

Senior Vice President, Regional Head Financial Services
Infosys
Tracey Armstrong picture

Tracey Armstrong

Head of Card and Payment Products
TD Bank
Keynote address

Staying ahead in the payments game

Tom Halpin picture

Tom Halpin

Executive Vice President, Regional Head of Global Payments Solutions
HSBC
Fireside chat

Empowering customers in an era of open innovation

Robin Growley picture

Robin Growley

Managing Director, Head of Consumer Deposits - Products and Payments
Bank of America
Jordan Wright picture

Jordan Wright

Co-Founder and Chief Executive Officer
Atomic
Leaders' Forum

Banking and payment strategies for a new era

  • Personalized, proactive, seamless: what’s next for CX-driven growth? 
  • How can banks win the fight for the customer through effective product innovation? 
  • Charting the future of payments innovation for 2024 and beyond: areas to watch 
  • BaaS, embedded finance and beyond: navigating new business models in the open ecosystem 
  • Digital transformation: how will strategies and priorities vary between regional and national players? 
  • Generative AI, beyond the hype: how significant will the impact be? What hurdles must be overcome? 
  • Competing in a BigTech-dominated digital landscape: what more can banks do to compete effectively? 
Tammy Petro picture

Tammy Petro

Executive Director, Payment and Commerce Partnerships for SMB
JP Morgan
Mark Valentino picture

Mark Valentino

President and Head of Business Banking
Citizens Bank
Arijit Roy picture

Arijit Roy

Executive Vice President, Head of Consumer & Business Banking Products
U.S. Bank
Tom Halpin picture

Tom Halpin

Executive Vice President, Regional Head of Global Payments Solutions
HSBC
John Kain  picture

John Kain

Head of Financial Services Market Development
Amazon Web Services

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
Fireside chat

Seamless, speedy, secure: delivering frictionless onboarding

  • The quest for seamless onboarding in a BigTech-led world: what level of experience do customers expect? 
  • Avoiding abandonment: what hurdles must be overcome to achieve higher conversions? 
  • From biometrics to real-time analytics: what technologies can ensure low-friction eKYC compliance? 
  • Providing support where it’s needed: how can human intervention best be integrated into a primarily digital process?  
  • Adding value in the onboarding experience: harnessing data for cross-selling and up-selling  
Era Ziroe picture

Era Ziroe

Director, Client and Employee Experience
KeyBank
Jeannie Fanning picture

Jeannie Fanning

Director, Consumer Relationship Growth
KeyBank
Chris Howell  picture

Chris Howell

Vice President
Temenos
Advisory

Leveraging modern identity solutions for seamless digital experiences

Ammar Faheem picture

Ammar Faheem

Product Marketing Manager for Customer Identity & Access Management
Thales
Advisory

Adding value through data-driven personalization

Jody Bhagat picture

Jody Bhagat

President of Americas
Personetics
Tanya Eisener picture

Tanya Eisener

Senior Vice President, Retail Customer Value
Scotiabank
Panel discussion

The intersection between physical and digital strategy: creating connected customer journeys

  • Creating a multi-channel strategy: maintaining customer choice throughout the journey 
  • The changing role of the branch: what value can brick and mortar bring to today’s digital world? 
  • Educating and empowering: how can banks grow customer confidence in digital offerings? Could branches become digital education hubs for customers? 
  • How might the role of the bank teller evolve and what new skill sets might be required? 
  • From self-service kiosks to video banking: which in-branch technologies should banks invest in? 
  • From Gen Alpha to retirees: creating customer experiences that serve a range of demographics 
  • Orchestrating a seamless journey between physical and digital, and back again: what are the keys to success? 
  • From real-time analytics to connected data portals: how can a holistic view of the customer be achieved at scale? 
Matthew Seagrim picture

Matthew Seagrim

Chief Digital and Marketing Officer
Meridian Credit Union
Sekou Kaalund picture

Sekou Kaalund

Executive Vice President, Head of Branch and Small Business Banking
U.S. Bank
Christine Roberts picture

Christine Roberts

Executive Vice President, President of Citizens Pay
Citizens Bank

Moderator

Briana Marbury picture

Briana Marbury

President & Chief Executive Officer
Interledger Foundation
Keynote address

FedNow real-time payments: assessing the state of play

Erik Van Bramer picture

Erik Van Bramer

Senior Vice President and Head of Customer Relations
Federal Reserve Financial Services
Panel discussion

Global cross-border payments: the latest developments

  • Achieving real-time cross-border connectivity: where is the US on this journey?  
  • From IXB to FedNow’s international expansion: on what timescale can we expect real-time payments to go global? 
  • Cost, speed, transparency: what are the priorities for cross-border payments transformation in the next 5 years? 
  • Intelligent routing, data security, API harmonisation: what are the biggest hurdles to developing seamless global payments today? 
  • To what extent will the migration to ISO 20022 simplify cross border payments? And how can enriched payments data be harnessed? 
  • Fraud and security in an real-time cross-border payments ecosystem: what are the key considerations? 
  • What role will CBDCs or blockchain rails play in shaping the future of cross border payments?  
  • Fraud and security in an instant, cross-border payments ecosystem: what are the key considerations?  
William Artingstall picture

William Artingstall

Managing Director, Global Head, eCommerce Solutions
Citi
Oksana Matviyenko picture

Oksana Matviyenko

Director, Treasury and Payments, Cross-Border Solutions
Bank of Montreal
Michelle Zhao picture

Michelle Zhao

US Head of Cross-border Cross-currency Payments, Global Payments Solutions
HSBC
Carlos Kazuo Missao  picture

Carlos Kazuo Missao

Head of Innovation Solutions, Americas
GFT
Advisory

Navigating real-time payments fraud

Curtis Garrett picture

Curtis Garrett

EVP NORAM
Ellipse
Panel discussion

Readying for new rails: what now, where next?

  • FedNow: how significant has uptake been and what will take to reach wide-scale adoption? 
  • What are the challenges of offering real time settlement 24/7 and how can banks rise to the challenge? 
  • Intelligent routing: what role will AI and ML play in facilitating payment rail innovation?  
  • Grasping the potential of ISO 20022: what new value-added service and revenue streams could enriched data open up for banks?  
  • From data-driven business insights, to cash flow and treasury: what more can banks do to add value for merchants? 
  • Tokenization, stablecoins and CBDCs: to what extent will blockchain prove transformational as an alternative payment rail? 
Bridgit Chayt picture

Bridgit Chayt

Executive Vice President, Head of Commercial Payments and Treasury Management
Fifth Third Bank
Kathryn Albright  picture

Kathryn Albright

Executive Vice President, Global Head of Payments and Deposits
Umpqua Bank
David Carman picture

David Carman

Co-Founder and Board Member, Global Digital Asset & Cryptocurrency Association
FinTank & the Global DCA
Rusiru Gunasena picture

Rusiru Gunasena

Senior Vice President, RTP
The Clearing House

Moderator

Helene Panzarino picture

Helene Panzarino

Author, Reinventing Banking and Finance
The London Institute of Banking and Finance
Fireside chat

Bank-FinTech partnership success: the key considerations

  • Developing a partnership gameplan: where and when is partnering the right option? 
  • Forecasting growth areas for FinTech investment: what areas are most ripe for growth and bank-fintech collaboration?  
  • From technological expertise to quicker time to market: what can both parties stand to gain? 
  • Moving away from silos: enabling successful alignment through integration of partners across the institution 
Matthieu Soulé picture

Matthieu Soulé

Head of BNP Paribas C.Lab Americas
BNP Paribas
Jamie Donahue picture

Jamie Donahue

President, and CTO
BMTX

Group discussion: Defining your partnership strategy

Delegates will break out into five groups to discuss the following areas of consideration for developing successful bank-FinTech partnership strategies: 

 

  • Assessing where and when partnering is the right option 
  • Partnering, acquiring or something else: deciding on the right model for you 
  • Key considerations for banks and FinTechs when selecting partners  
  • Ensuring ongoing successful Bank-FinTech integration and culture alignment 

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
Keynote address

PFM, savings and wealth management: unlocking the opportunities

Cetin Duransoy picture

Cetin Duransoy

Chief Executive Officer
Raisin
Advisory

Decoding customer insights: what your customers are telling us that they may not be telling you

  • EPAM’s 2024 Consumer Banking Report: tracking shifts in customer attitudes and expectations 
  • Unpacking the influence of trust, education, data sharing, instant payments and AI on consumer attitudes 
  • The future of digital innovation in banking: navigating changing consumer behaviours and expectations 
Chris Tapley picture

Chris Tapley

VP, Financial Services Consulting
EPAM
Panel discussion

The personalization playbook: unpacking the possibilities

  • From rewards, and targeted offers to robo-advice: what role can personalization play in banks’ differentiation strategy? 
  • Serving the segment of one: how can banks effectively harness analytics for customer-understanding and personalization? 
  • Right-product, right-customer, right-time: how can customer data be harnessed to successfully identify opportunities? 
  • Striking the right balance between helpful and intrusive: what are the key considerations? 
  • Emails, texts, or calls: personalizing the customer journey offering the customer choice of channel  
  • From data quality to accurate predictive models: what are the greatest barriers to effective personalization? 
  • How can banks leverage customer data for personalization while ensuring data protection and compliance? 
Benedict McLaughlin picture

Benedict McLaughlin

Chief Marketing Officer & President
Raisin
Ami Haueter  picture

Ami Haueter

Chief Research and Digital Experience Officer
MSU Federal Credit Union
Alison Doyle, PhD picture

Alison Doyle, PhD

Head of Behavioral Sciences
Symend
Alejandra Ruales picture

Alejandra Ruales

Lead Product Manager, Money Movement
H&R Block

Moderator

Helene Panzarino picture

Helene Panzarino

Author, Reinventing Banking and Finance
The London Institute of Banking and Finance
Keynote address

Stemming the tide of APP fraud

Shelley Sidaros picture

Shelley Sidaros

Senior Vice President - Head of Second Line Fraud and Payments Risk Management
U.S. Bank
Advisory

Real-time payments, real-time fraud threats: safeguarding B2B transactions

Lenny Gusel  picture

Lenny Gusel

Head of Fraud Solutions, North America
Feedzai
Fireside chat

AI and fraud: a double-edged sword?

  • Synthetic identity, deepfakes, and automated hacking: what new AI-based fraud trends are emerging? And how should customers be protected?
  • To what extent can advancements in biometric authentication help combat the rise of AI-based fraud?
  • Harnessing AI for fraud detection: overcoming the limitations of rule-based counter fraud and supercharging real-time fraud detection
  • Navigating the AI compliance minefield: anticipating the challenges to come
Ankur Goel picture

Ankur Goel

Senior Vice President, Head of Consumer and Fraud Modeling
PNC Bank
Stu Bradley picture

Stu Bradley

Senior Vice President, Risk, Fraud and Compliance Solutions
SAS
Panel discussion

The evolution of banking fraud and counter fraud: keeping one step ahead

  • From synthetic identity to deepfake fraud: how do counter fraud strategies need to adapt to emerging new fraud trends? 
  • Customer education: what more can banks do to encourage responsible, fraud-conscious behavior? 
  • Balancing convenience with security: what level of friction will customers tolerate? 
  • Leveraging alternative data sources: what data sources are of most value and how can banks best utilize them?  
  • A spotlight on biometric advancements: how can banks leverage emerging technologies to strengthen counter fraud practices?  
  • The evolving regulatory landscape: will a national fraud database become a reality? And will a contingent reimbursement model for online scams become the norm? 
  • Overcoming fragmentation and silos: creating a holistic and institution-wide approach in the fight against fraud 
Ronald Cote picture

Ronald Cote

Director of Fraud
Consumers Credit Union
Shelley Sidaros picture

Shelley Sidaros

Senior Vice President - Head of Second Line Fraud and Payments Risk Management
U.S. Bank

Moderator

Paul Mullins picture

Paul Mullins

Former Managing Director
HSBC

Welcoming remarks and group introductions

Presentation 

What’s next for embedded finance innovation?

Peer-to-peer discussion

Delegates will discuss the key considerations and opportunities in the Embedded finance landscape before feeding back to the group 

  • Understanding the revenue models available  
  • Identifying the right channels in today’s digital landscape  
  • Overcoming the biggest hurdles to seamless embedded experiences  
  • Maintaining security in an increasingly embedded landscape 
  • Envisioning the future of value-adding embedded experiences  

Feedback

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
Keynote address

Agile, dynamic, innovative: building the bank of tomorrow

Amy Dinkar-Patel picture

Amy Dinkar-Patel

Head of Small Business & Commercial Distribution
TD Bank
Panel discussion

Achieving digital resilience for cyber security

  • Building a digitally resilient organization: what are the key priorities? 
  • Disaster recovery planning: how can banks ensure business continuity at speed? 
  • From vulnerability assessments to employee training: how can the risk of IT outages be minimized further? 
  • From firewalls to encryption: how can cyber security strategies be strengthened? 
Stephen Bishop picture

Stephen Bishop

Chief Operating Officer
Old Missouri Bank
Vinod Sisodiya picture

Vinod Sisodiya

Chief Information Officer, Commercial Banking
Old National Bank
Aaron Severance  picture

Aaron Severance

Managing Director – US Technology Advisory Services – Cyber Resilience
Kyndryl
Niloy Sengupta picture

Niloy Sengupta

Chief Technology Officer, US Financial Services
Kyndryl
Interview

Everbank's Digital Shift with Backbase

Delve into EverBank’s ambitious digital transformation journey after spinning off from TIAA. Explore how EverBank aims to reinvent banking with a modern client experience, made possible by their partnership with West Monroe and Backbase.

Yuko Naka picture

Yuko Naka

Regional Vice President, Customer Success
Backbase
Colby Mangers picture

Colby Mangers

Senior Vice President, Head of Digital Innovation and Transformation
EverBank
Panel discussion

Operational and digital transformation: defining your priorities

  • One size does not fit all: what are the key considerations when designing a digital roadmap and what are the pitfalls to avoid?  
  • From data to skillsets to infrastructure: how can banks effectively assess digital maturity and identify areas for improvement?  
  • Front, middle, and back-end: identifying how challenges and needs differ across the enterprise 
  • From employee empowerment to data management: where can automation realize the greatest benefit? 
  • Lean thinking and agile teams: how can organisational structures be optimised? 
  • From process optimization to cost reduction: how can analytics improve operational efficiency? 
  • Getting smart about smart contracts: where can blockchain technology revolutionize operations?  
  • Attracting and retaining best-on-class talent: competing in today’s fast-paced digital environment 
Richard Olejniczak picture

Richard Olejniczak

Senior Vice President, Data Programs and Business Analytics
Wintrust
Sean Murray picture

Sean Murray

Chief Product Officer
Barclays
Scott Lippert picture

Scott Lippert

Executive Vice President, Chief Operating Officer, Contact Centers
U.S. Bank
Mark Ardito picture

Mark Ardito

Chief Technology Officer
Valtech

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
09.35 - 14.55
Keynote address

BaaS in action: the Fifth Third journey

Dan Dall’Asta picture

Dan Dall’Asta

Senior Vice President. Newline
Fifth Third Bank
Fireside chat

Banking-as-a-Service: navigating the opportunities and risks

  • Assessing the benefits of BaaS for banks: leveraging new distribution networks, cracking new customer segments, and speeding up time to market 
  • Finding your BaaS niche: identifying gaps in the market and developing your proposition 
  • Managing third-party partnership risk: how can banks ensure compliance and mitigate third-party failure in an increasingly open ecosystem? 
  • Bank-fintech integration: what are the paint points to overcome? And how can banks rise to the challenge? 
  • From lending and payments to full white-label banking platforms: which areas are ripe for BaaS growth? And what’s next for BaaS business models? 
Philippe Daoust  picture

Philippe Daoust

Vice President and Managing Director
National Bank of Canada
Chris Rigoni picture

Chris Rigoni

Chief Process and Control Officer
Evolve Bank and Trust
10.15 - 11.00
Panel discussion

The embedded finance gameplan: distribution in the platform economy

  • Defining your ecosystem strategy: how and where can banks fit into this new value chain? 
  • eCommerce giants, BigTech, or niche fintech players: identifying the best partners for you  
  • Being where the customer is: how to identify the right channels in today’s digital landscape 
  • Ownership of the customer journey versus new distribution channels: weighing up the trade-off 
  • Ensuring superb customer interactions in an increasingly embedded landscape 
  • What is the key to success in working with platforms and marketplaces? 
Eric McCabe  picture

Eric McCabe

Head of Embedded Finance
Citizens Bank

Abraham Rojo

Chief Innovation Officer
Lincoln Savings Bank
Akita Somani picture

Akita Somani

Senior Vice President, BNPL/ POS Lending
U.S. Bank

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
Presentation 

Housing, real estate, consumer debt: how will the markets evolve?

Jeffrey Korzenik picture

Jeffrey Korzenik

Chief Economist
Fifth Third Bank
Panel discussion

Enhancing the borrower experience

  • Transparency, speed, simplicity: what are the CX priorities, and how do requirements vary across a range of lending products? 
  • From student debt to mortgages to SMB lending: where should banks focus their efforts first? 
  • What more can be done to improve access to lending in underserved communities?  
  • From personalization to faster decisioning: how will AI transform the borrower experience? 
  • BNPL, Microloans and beyond: how must lenders prepare for emerging propositions and digital competitors? 
  • Blue sky thinking: envisioning the borrower experience of 2030 
Frida Leibowitz picture

Frida Leibowitz

Co-Founder
Debbie
Akita Somani picture

Akita Somani

Senior Vice President, BNPL/ POS Lending
U.S. Bank
Melissa Panganiban picture

Melissa Panganiban

Vice President, Consumer Lending and Operations
Great Lakes Credit Union
Ramona Brooks picture

Ramona Brooks

Community Lending Mortgage Broker
CIBC US
Nenci Rodriquez picture

Nenci Rodriquez

Community Mortgage Broker
CIBC US

Moderator

Devon Elke picture

Devon Elke

Senior Director, Product, Avion Rewards
RBC
Interview

Fighting payments fraud in a digital and instant era

Kathryn Albright  picture

Kathryn Albright

Executive Vice President, Global Head of Payments and Deposits
Umpqua Bank
Panel discussion

Riding the next wave of consumer payments innovation

  • Tap-to-pay, open banking payments and beyond: how are alternative payment methods shaking up the payments value chain? 
  • eCommerce, social media, marketplaces: which channels should banks prioritize in their embedded payments strategy? 
  • What innovations in B2C payments are set to transform the consumer payments space? 
  • What role can banks play to make it easier for businesses to pay individual payees in their preferred payment method of choice? 
  • Seamless and secure: leveraging the power of biometrics in today’s digital payments environment 
  • Digging into BNPL: how can banks develop a competitive proposition to rival BigTech, FinTech and wallets? Where are the opportunities for differentiation? 
  • The future of wallets: how might digital currencies be integrated into wallet propositions? Who might lead the way? 
  • Lessons from Asia and Europe: which payment innovations have yielded long-term success? 
Sean Murray picture

Sean Murray

Chief Product Officer
Barclays
Kashif Siddiqui picture

Kashif Siddiqui

Head of Global Payments Solutions Innovation
Bank of America
Manish Baheti picture

Manish Baheti

Director for Transformation and Product Management, Payments
Santander

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
Keynote address

Creating secure frameworks for AI in FS: what now, where next?

Ned Carroll picture

Ned Carroll

Head of Data and Automation
PNC Bank
Fireside chat

Laying the foundations for AI: mapping a pathway to data maturity

  • Tapping quality data sources: where should banks concentrate investment?   
  • Accessing data in real-time:  what are the hurdles and how should bank strategies adapt? 
  • What steps can organizations take to structure data and make it usable for driving insights? 
  • Legacy data management: overcoming siloes and streamlining collection, storage and analysis of data 
Kshitij Sanghi picture

Kshitij Sanghi

Vice President, Predictive Fraud Prevention Products
VISA
Advisory

AI’s role in improving executive decisions

Ryan Cox  picture

Ryan Cox

Senior Director and Co-Head of Artificial Intelligence
Synechron
Panel discussion

Towards the AI-driven bank: the potential and the prerequisites

  • From virtual assistants to marketing: where will generative AI have the biggest impact? 
  • From customer segmentation to automated messaging: how can generative AI enhance marketing strategies? 
  • Enhancing automation: how can banks leverage AI alongside RPA to increase efficiency? 
  • Empowering the citizen developer: boosting employee confidence to use AI more confidently and consciously 
  • Overcoming bias: what steps must be taken to ensure AI is used ethically?  
  • Data privacy compliance: how can banks ensure data protection while unlocking the benefits of AI?  
  • Ensuring responsible AI governance: how can banks proactively anticipate regulators concerns?  
Rafal Orlowski picture

Rafal Orlowski

Director of Data Science
Scotiabank
Deb Lindway picture

Deb Lindway

Head of AI
PNC Bank
Ioan Iacob picture

Ioan Iacob

Chief Executive Officer and Co-founder
FlowX.AI

Session 1: The future in focus

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
Keynote address

Customer-driven banking: setting the pace of innovation

Mark Valentino picture

Mark Valentino

President and Head of Business Banking
Citizens Bank
Fireside chat

Modernizing banking and payments for the digital age

Raghav Agarwal picture

Raghav Agarwal

Senior Vice President, Regional Head Financial Services
Infosys
Tracey Armstrong picture

Tracey Armstrong

Head of Card and Payment Products
TD Bank
Keynote address

Staying ahead in the payments game

Tom Halpin picture

Tom Halpin

Executive Vice President, Regional Head of Global Payments Solutions
HSBC
Fireside chat

Empowering customers in an era of open innovation

Robin Growley picture

Robin Growley

Managing Director, Head of Consumer Deposits - Products and Payments
Bank of America
Jordan Wright picture

Jordan Wright

Co-Founder and Chief Executive Officer
Atomic
Leaders' Forum

Banking and payment strategies for a new era

  • Personalized, proactive, seamless: what’s next for CX-driven growth? 
  • How can banks win the fight for the customer through effective product innovation? 
  • Charting the future of payments innovation for 2024 and beyond: areas to watch 
  • BaaS, embedded finance and beyond: navigating new business models in the open ecosystem 
  • Digital transformation: how will strategies and priorities vary between regional and national players? 
  • Generative AI, beyond the hype: how significant will the impact be? What hurdles must be overcome? 
  • Competing in a BigTech-dominated digital landscape: what more can banks do to compete effectively? 
Tammy Petro picture

Tammy Petro

Executive Director, Payment and Commerce Partnerships for SMB
JP Morgan
Mark Valentino picture

Mark Valentino

President and Head of Business Banking
Citizens Bank
Arijit Roy picture

Arijit Roy

Executive Vice President, Head of Consumer & Business Banking Products
U.S. Bank
Tom Halpin picture

Tom Halpin

Executive Vice President, Regional Head of Global Payments Solutions
HSBC
John Kain  picture

John Kain

Head of Financial Services Market Development
Amazon Web Services

Stage 1 - Next-gen digital CX

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
Fireside chat

Seamless, speedy, secure: delivering frictionless onboarding

  • The quest for seamless onboarding in a BigTech-led world: what level of experience do customers expect? 
  • Avoiding abandonment: what hurdles must be overcome to achieve higher conversions? 
  • From biometrics to real-time analytics: what technologies can ensure low-friction eKYC compliance? 
  • Providing support where it’s needed: how can human intervention best be integrated into a primarily digital process?  
  • Adding value in the onboarding experience: harnessing data for cross-selling and up-selling  
Era Ziroe picture

Era Ziroe

Director, Client and Employee Experience
KeyBank
Jeannie Fanning picture

Jeannie Fanning

Director, Consumer Relationship Growth
KeyBank
Chris Howell  picture

Chris Howell

Vice President
Temenos
Advisory

Leveraging modern identity solutions for seamless digital experiences

Ammar Faheem picture

Ammar Faheem

Product Marketing Manager for Customer Identity & Access Management
Thales
Advisory

Adding value through data-driven personalization

Jody Bhagat picture

Jody Bhagat

President of Americas
Personetics
Tanya Eisener picture

Tanya Eisener

Senior Vice President, Retail Customer Value
Scotiabank
Panel discussion

The intersection between physical and digital strategy: creating connected customer journeys

  • Creating a multi-channel strategy: maintaining customer choice throughout the journey 
  • The changing role of the branch: what value can brick and mortar bring to today’s digital world? 
  • Educating and empowering: how can banks grow customer confidence in digital offerings? Could branches become digital education hubs for customers? 
  • How might the role of the bank teller evolve and what new skill sets might be required? 
  • From self-service kiosks to video banking: which in-branch technologies should banks invest in? 
  • From Gen Alpha to retirees: creating customer experiences that serve a range of demographics 
  • Orchestrating a seamless journey between physical and digital, and back again: what are the keys to success? 
  • From real-time analytics to connected data portals: how can a holistic view of the customer be achieved at scale? 
Matthew Seagrim picture

Matthew Seagrim

Chief Digital and Marketing Officer
Meridian Credit Union
Sekou Kaalund picture

Sekou Kaalund

Executive Vice President, Head of Branch and Small Business Banking
U.S. Bank
Christine Roberts picture

Christine Roberts

Executive Vice President, President of Citizens Pay
Citizens Bank

Stage 2 - Payments infrastructure

Moderator

Briana Marbury picture

Briana Marbury

President & Chief Executive Officer
Interledger Foundation
Keynote address

FedNow real-time payments: assessing the state of play

Erik Van Bramer picture

Erik Van Bramer

Senior Vice President and Head of Customer Relations
Federal Reserve Financial Services
Panel discussion

Global cross-border payments: the latest developments

  • Achieving real-time cross-border connectivity: where is the US on this journey?  
  • From IXB to FedNow’s international expansion: on what timescale can we expect real-time payments to go global? 
  • Cost, speed, transparency: what are the priorities for cross-border payments transformation in the next 5 years? 
  • Intelligent routing, data security, API harmonisation: what are the biggest hurdles to developing seamless global payments today? 
  • To what extent will the migration to ISO 20022 simplify cross border payments? And how can enriched payments data be harnessed? 
  • Fraud and security in an real-time cross-border payments ecosystem: what are the key considerations? 
  • What role will CBDCs or blockchain rails play in shaping the future of cross border payments?  
  • Fraud and security in an instant, cross-border payments ecosystem: what are the key considerations?  
William Artingstall picture

William Artingstall

Managing Director, Global Head, eCommerce Solutions
Citi
Oksana Matviyenko picture

Oksana Matviyenko

Director, Treasury and Payments, Cross-Border Solutions
Bank of Montreal
Michelle Zhao picture

Michelle Zhao

US Head of Cross-border Cross-currency Payments, Global Payments Solutions
HSBC
Carlos Kazuo Missao  picture

Carlos Kazuo Missao

Head of Innovation Solutions, Americas
GFT
Advisory

Navigating real-time payments fraud

Curtis Garrett picture

Curtis Garrett

EVP NORAM
Ellipse
Panel discussion

Readying for new rails: what now, where next?

  • FedNow: how significant has uptake been and what will take to reach wide-scale adoption? 
  • What are the challenges of offering real time settlement 24/7 and how can banks rise to the challenge? 
  • Intelligent routing: what role will AI and ML play in facilitating payment rail innovation?  
  • Grasping the potential of ISO 20022: what new value-added service and revenue streams could enriched data open up for banks?  
  • From data-driven business insights, to cash flow and treasury: what more can banks do to add value for merchants? 
  • Tokenization, stablecoins and CBDCs: to what extent will blockchain prove transformational as an alternative payment rail? 
Bridgit Chayt picture

Bridgit Chayt

Executive Vice President, Head of Commercial Payments and Treasury Management
Fifth Third Bank
Kathryn Albright  picture

Kathryn Albright

Executive Vice President, Global Head of Payments and Deposits
Umpqua Bank
David Carman picture

David Carman

Co-Founder and Board Member, Global Digital Asset & Cryptocurrency Association
FinTank & the Global DCA
Rusiru Gunasena picture

Rusiru Gunasena

Senior Vice President, RTP
The Clearing House

Stage 3 - Workshop | FinTech and bank partnership

Moderator

Helene Panzarino picture

Helene Panzarino

Author, Reinventing Banking and Finance
The London Institute of Banking and Finance
Fireside chat

Bank-FinTech partnership success: the key considerations

  • Developing a partnership gameplan: where and when is partnering the right option? 
  • Forecasting growth areas for FinTech investment: what areas are most ripe for growth and bank-fintech collaboration?  
  • From technological expertise to quicker time to market: what can both parties stand to gain? 
  • Moving away from silos: enabling successful alignment through integration of partners across the institution 
Matthieu Soulé picture

Matthieu Soulé

Head of BNP Paribas C.Lab Americas
BNP Paribas
Jamie Donahue picture

Jamie Donahue

President, and CTO
BMTX

Group discussion: Defining your partnership strategy

Delegates will break out into five groups to discuss the following areas of consideration for developing successful bank-FinTech partnership strategies: 

 

  • Assessing where and when partnering is the right option 
  • Partnering, acquiring or something else: deciding on the right model for you 
  • Key considerations for banks and FinTechs when selecting partners  
  • Ensuring ongoing successful Bank-FinTech integration and culture alignment 

Stage 1 - Adding value for customers

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
Keynote address

PFM, savings and wealth management: unlocking the opportunities

Cetin Duransoy picture

Cetin Duransoy

Chief Executive Officer
Raisin
Advisory

Decoding customer insights: what your customers are telling us that they may not be telling you

  • EPAM’s 2024 Consumer Banking Report: tracking shifts in customer attitudes and expectations 
  • Unpacking the influence of trust, education, data sharing, instant payments and AI on consumer attitudes 
  • The future of digital innovation in banking: navigating changing consumer behaviours and expectations 
Chris Tapley picture

Chris Tapley

VP, Financial Services Consulting
EPAM
Panel discussion

The personalization playbook: unpacking the possibilities

  • From rewards, and targeted offers to robo-advice: what role can personalization play in banks’ differentiation strategy? 
  • Serving the segment of one: how can banks effectively harness analytics for customer-understanding and personalization? 
  • Right-product, right-customer, right-time: how can customer data be harnessed to successfully identify opportunities? 
  • Striking the right balance between helpful and intrusive: what are the key considerations? 
  • Emails, texts, or calls: personalizing the customer journey offering the customer choice of channel  
  • From data quality to accurate predictive models: what are the greatest barriers to effective personalization? 
  • How can banks leverage customer data for personalization while ensuring data protection and compliance? 
Benedict McLaughlin picture

Benedict McLaughlin

Chief Marketing Officer & President
Raisin
Ami Haueter  picture

Ami Haueter

Chief Research and Digital Experience Officer
MSU Federal Credit Union
Alison Doyle, PhD picture

Alison Doyle, PhD

Head of Behavioral Sciences
Symend
Alejandra Ruales picture

Alejandra Ruales

Lead Product Manager, Money Movement
H&R Block

Stage 2 - Fighting fraud with fire

Moderator

Helene Panzarino picture

Helene Panzarino

Author, Reinventing Banking and Finance
The London Institute of Banking and Finance
Keynote address

Stemming the tide of APP fraud

Shelley Sidaros picture

Shelley Sidaros

Senior Vice President - Head of Second Line Fraud and Payments Risk Management
U.S. Bank
Advisory

Real-time payments, real-time fraud threats: safeguarding B2B transactions

Lenny Gusel  picture

Lenny Gusel

Head of Fraud Solutions, North America
Feedzai
Fireside chat

AI and fraud: a double-edged sword?

  • Synthetic identity, deepfakes, and automated hacking: what new AI-based fraud trends are emerging? And how should customers be protected?
  • To what extent can advancements in biometric authentication help combat the rise of AI-based fraud?
  • Harnessing AI for fraud detection: overcoming the limitations of rule-based counter fraud and supercharging real-time fraud detection
  • Navigating the AI compliance minefield: anticipating the challenges to come
Ankur Goel picture

Ankur Goel

Senior Vice President, Head of Consumer and Fraud Modeling
PNC Bank
Stu Bradley picture

Stu Bradley

Senior Vice President, Risk, Fraud and Compliance Solutions
SAS
Panel discussion

The evolution of banking fraud and counter fraud: keeping one step ahead

  • From synthetic identity to deepfake fraud: how do counter fraud strategies need to adapt to emerging new fraud trends? 
  • Customer education: what more can banks do to encourage responsible, fraud-conscious behavior? 
  • Balancing convenience with security: what level of friction will customers tolerate? 
  • Leveraging alternative data sources: what data sources are of most value and how can banks best utilize them?  
  • A spotlight on biometric advancements: how can banks leverage emerging technologies to strengthen counter fraud practices?  
  • The evolving regulatory landscape: will a national fraud database become a reality? And will a contingent reimbursement model for online scams become the norm? 
  • Overcoming fragmentation and silos: creating a holistic and institution-wide approach in the fight against fraud 
Ronald Cote picture

Ronald Cote

Director of Fraud
Consumers Credit Union
Shelley Sidaros picture

Shelley Sidaros

Senior Vice President - Head of Second Line Fraud and Payments Risk Management
U.S. Bank

Stage 3 - Workshop | Embedded finance strategy

Moderator

Paul Mullins picture

Paul Mullins

Former Managing Director
HSBC

Welcoming remarks and group introductions

Presentation 

What’s next for embedded finance innovation?

Peer-to-peer discussion

Delegates will discuss the key considerations and opportunities in the Embedded finance landscape before feeding back to the group 

  • Understanding the revenue models available  
  • Identifying the right channels in today’s digital landscape  
  • Overcoming the biggest hurdles to seamless embedded experiences  
  • Maintaining security in an increasingly embedded landscape 
  • Envisioning the future of value-adding embedded experiences  

Feedback

Session 4: Digital transformation and operations

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
Keynote address

Agile, dynamic, innovative: building the bank of tomorrow

Amy Dinkar-Patel picture

Amy Dinkar-Patel

Head of Small Business & Commercial Distribution
TD Bank
Panel discussion

Achieving digital resilience for cyber security

  • Building a digitally resilient organization: what are the key priorities? 
  • Disaster recovery planning: how can banks ensure business continuity at speed? 
  • From vulnerability assessments to employee training: how can the risk of IT outages be minimized further? 
  • From firewalls to encryption: how can cyber security strategies be strengthened? 
Stephen Bishop picture

Stephen Bishop

Chief Operating Officer
Old Missouri Bank
Vinod Sisodiya picture

Vinod Sisodiya

Chief Information Officer, Commercial Banking
Old National Bank
Aaron Severance  picture

Aaron Severance

Managing Director – US Technology Advisory Services – Cyber Resilience
Kyndryl
Niloy Sengupta picture

Niloy Sengupta

Chief Technology Officer, US Financial Services
Kyndryl
Interview

Everbank's Digital Shift with Backbase

Delve into EverBank’s ambitious digital transformation journey after spinning off from TIAA. Explore how EverBank aims to reinvent banking with a modern client experience, made possible by their partnership with West Monroe and Backbase.

Yuko Naka picture

Yuko Naka

Regional Vice President, Customer Success
Backbase
Colby Mangers picture

Colby Mangers

Senior Vice President, Head of Digital Innovation and Transformation
EverBank
Panel discussion

Operational and digital transformation: defining your priorities

  • One size does not fit all: what are the key considerations when designing a digital roadmap and what are the pitfalls to avoid?  
  • From data to skillsets to infrastructure: how can banks effectively assess digital maturity and identify areas for improvement?  
  • Front, middle, and back-end: identifying how challenges and needs differ across the enterprise 
  • From employee empowerment to data management: where can automation realize the greatest benefit? 
  • Lean thinking and agile teams: how can organisational structures be optimised? 
  • From process optimization to cost reduction: how can analytics improve operational efficiency? 
  • Getting smart about smart contracts: where can blockchain technology revolutionize operations?  
  • Attracting and retaining best-on-class talent: competing in today’s fast-paced digital environment 
Richard Olejniczak picture

Richard Olejniczak

Senior Vice President, Data Programs and Business Analytics
Wintrust
Sean Murray picture

Sean Murray

Chief Product Officer
Barclays
Scott Lippert picture

Scott Lippert

Executive Vice President, Chief Operating Officer, Contact Centers
U.S. Bank
Mark Ardito picture

Mark Ardito

Chief Technology Officer
Valtech

Session 5: BaaS, opening banking and embedded finance

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
09.35 - 14.55
Keynote address

BaaS in action: the Fifth Third journey

Dan Dall’Asta picture

Dan Dall’Asta

Senior Vice President. Newline
Fifth Third Bank
Fireside chat

Banking-as-a-Service: navigating the opportunities and risks

  • Assessing the benefits of BaaS for banks: leveraging new distribution networks, cracking new customer segments, and speeding up time to market 
  • Finding your BaaS niche: identifying gaps in the market and developing your proposition 
  • Managing third-party partnership risk: how can banks ensure compliance and mitigate third-party failure in an increasingly open ecosystem? 
  • Bank-fintech integration: what are the paint points to overcome? And how can banks rise to the challenge? 
  • From lending and payments to full white-label banking platforms: which areas are ripe for BaaS growth? And what’s next for BaaS business models? 
Philippe Daoust  picture

Philippe Daoust

Vice President and Managing Director
National Bank of Canada
Chris Rigoni picture

Chris Rigoni

Chief Process and Control Officer
Evolve Bank and Trust
10.15 - 11.00
Panel discussion

The embedded finance gameplan: distribution in the platform economy

  • Defining your ecosystem strategy: how and where can banks fit into this new value chain? 
  • eCommerce giants, BigTech, or niche fintech players: identifying the best partners for you  
  • Being where the customer is: how to identify the right channels in today’s digital landscape 
  • Ownership of the customer journey versus new distribution channels: weighing up the trade-off 
  • Ensuring superb customer interactions in an increasingly embedded landscape 
  • What is the key to success in working with platforms and marketplaces? 
Eric McCabe  picture

Eric McCabe

Head of Embedded Finance
Citizens Bank

Abraham Rojo

Chief Innovation Officer
Lincoln Savings Bank
Akita Somani picture

Akita Somani

Senior Vice President, BNPL/ POS Lending
U.S. Bank

Stage 1 - Lending strategies in uncertain times

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
Presentation 

Housing, real estate, consumer debt: how will the markets evolve?

Jeffrey Korzenik picture

Jeffrey Korzenik

Chief Economist
Fifth Third Bank
Panel discussion

Enhancing the borrower experience

  • Transparency, speed, simplicity: what are the CX priorities, and how do requirements vary across a range of lending products? 
  • From student debt to mortgages to SMB lending: where should banks focus their efforts first? 
  • What more can be done to improve access to lending in underserved communities?  
  • From personalization to faster decisioning: how will AI transform the borrower experience? 
  • BNPL, Microloans and beyond: how must lenders prepare for emerging propositions and digital competitors? 
  • Blue sky thinking: envisioning the borrower experience of 2030 
Frida Leibowitz picture

Frida Leibowitz

Co-Founder
Debbie
Akita Somani picture

Akita Somani

Senior Vice President, BNPL/ POS Lending
U.S. Bank
Melissa Panganiban picture

Melissa Panganiban

Vice President, Consumer Lending and Operations
Great Lakes Credit Union
Ramona Brooks picture

Ramona Brooks

Community Lending Mortgage Broker
CIBC US
Nenci Rodriquez picture

Nenci Rodriquez

Community Mortgage Broker
CIBC US

Stage 2 - Digital payments innovation

Moderator

Devon Elke picture

Devon Elke

Senior Director, Product, Avion Rewards
RBC
Interview

Fighting payments fraud in a digital and instant era

Kathryn Albright  picture

Kathryn Albright

Executive Vice President, Global Head of Payments and Deposits
Umpqua Bank
Panel discussion

Riding the next wave of consumer payments innovation

  • Tap-to-pay, open banking payments and beyond: how are alternative payment methods shaking up the payments value chain? 
  • eCommerce, social media, marketplaces: which channels should banks prioritize in their embedded payments strategy? 
  • What innovations in B2C payments are set to transform the consumer payments space? 
  • What role can banks play to make it easier for businesses to pay individual payees in their preferred payment method of choice? 
  • Seamless and secure: leveraging the power of biometrics in today’s digital payments environment 
  • Digging into BNPL: how can banks develop a competitive proposition to rival BigTech, FinTech and wallets? Where are the opportunities for differentiation? 
  • The future of wallets: how might digital currencies be integrated into wallet propositions? Who might lead the way? 
  • Lessons from Asia and Europe: which payment innovations have yielded long-term success? 
Sean Murray picture

Sean Murray

Chief Product Officer
Barclays
Kashif Siddiqui picture

Kashif Siddiqui

Head of Global Payments Solutions Innovation
Bank of America
Manish Baheti picture

Manish Baheti

Director for Transformation and Product Management, Payments
Santander

Session 7: The AI-enabled bank

Moderator

Juliette Foster picture

Juliette Foster

Owner
Magnus Communications
Keynote address

Creating secure frameworks for AI in FS: what now, where next?

Ned Carroll picture

Ned Carroll

Head of Data and Automation
PNC Bank
Fireside chat

Laying the foundations for AI: mapping a pathway to data maturity

  • Tapping quality data sources: where should banks concentrate investment?   
  • Accessing data in real-time:  what are the hurdles and how should bank strategies adapt? 
  • What steps can organizations take to structure data and make it usable for driving insights? 
  • Legacy data management: overcoming siloes and streamlining collection, storage and analysis of data 
Kshitij Sanghi picture

Kshitij Sanghi

Vice President, Predictive Fraud Prevention Products
VISA
Advisory

AI’s role in improving executive decisions

Ryan Cox  picture

Ryan Cox

Senior Director and Co-Head of Artificial Intelligence
Synechron
Panel discussion

Towards the AI-driven bank: the potential and the prerequisites

  • From virtual assistants to marketing: where will generative AI have the biggest impact? 
  • From customer segmentation to automated messaging: how can generative AI enhance marketing strategies? 
  • Enhancing automation: how can banks leverage AI alongside RPA to increase efficiency? 
  • Empowering the citizen developer: boosting employee confidence to use AI more confidently and consciously 
  • Overcoming bias: what steps must be taken to ensure AI is used ethically?  
  • Data privacy compliance: how can banks ensure data protection while unlocking the benefits of AI?  
  • Ensuring responsible AI governance: how can banks proactively anticipate regulators concerns?  
Rafal Orlowski picture

Rafal Orlowski

Director of Data Science
Scotiabank
Deb Lindway picture

Deb Lindway

Head of AI
PNC Bank
Ioan Iacob picture

Ioan Iacob

Chief Executive Officer and Co-founder
FlowX.AI

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