Linda Tai is the Chief Information Officer at M&T Bank, where she oversees enterprise application delivery across a broad and growing portfolio. Her leadership spans Consumer & Business Banking, Digital Technology, Financial Crimes and Identity, Enterprise Architecture and Integration, Commercial, Wealth, Institutional Client Services (ICS), Payments, Enterprise Data, and Treasury. With over 25 years of experience in digital transformation within highly regulated financial environments, Linda has held senior leadership roles at some of the world’s top financial institutions, including Fannie Mae, Bank of America, and Goldman Sachs. Before joining M&T Bank, Linda served as Senior Vice President and Chief Technology Officer at Fannie Mae, where she spearheaded innovative technology strategies to enhance business capabilities. Her prior roles include Managing Director and Global Head of Architecture and Engineering at Bank of America and Managing Director of Service Engineering at Goldman Sachs. Linda is widely recognized for her ability to lead high-performing teams, drive large-scale cloud migrations, and implement advanced automation frameworks. She is also a passionate advocate for diversity, equity, and inclusion in the tech industry. She holds a Master of Science in Mathematics and Computer Science from the University of Massachusetts Lowell and a Master of Arts in Music from the New England Conservatory of Music.

Ignacio Sarquis is a technology leader recognized for driving large-scale digital transformation in the banking industry. Since March 2021, he has served as Chief Information Officer of Santander Bank, leading the vision and execution of innovation-driven programs that align with Santander’s global strategy and accelerate the Bank’s growth in the U.S.

During his 14+ years at Santander, Ignacio has spearheaded some of the organization’s most ambitious technology initiatives. He oversaw the launch of a next-generation digital platform designed for scale, agility, and rapid innovation, empowering Santander to meet evolving customer needs in a highly competitive market. He also led the successful go-live of Gravity, the Bank’s U.S. core modernization initiative, which migrated its core system to the cloud as part of the multi-year Horizon Program.

These milestone projects have positioned Santander as a technology-forward financial institution and underscore Ignacio’s pivotal role in shaping the future of banking.

Ignacio earned a B.S. in Industrial Engineering from the Instituto Tecnológico de Buenos Aires and an MBA from Hult International Business School. He lives in Boston, Massachusetts, and continues to champion innovation, operational excellence, and technology’s role in driving sustainable business growth.

Kristin Milchanowski Chief AI and Data Officer Kristin Milchanowski is the Chief Artificial Intelligence (AI) and Data Officer for BMO Financial Group. She leads the AI and Data team and is a member of BMO’s Technology and Operations (T&O) Executive Committee. Kristin is responsible for driving BMO’s AI, data, analytics, and robotics strategies and supporting technologies, championing a transformative AI roadmap to accelerate BMO’s Digital First strategy. She also focuses on data management and data governance across the organization, deepening the bank’s robust and established culture of innovation and accountability. Kristin is a global AI executive with more than 20 years of experience, mostly in the financial sector, who has transformed businesses by leveraging the full potential of their data and technology. Most recently, she was a Global Innovation Partner / Principal at EY, leading their Global Lab focused on AI, High Process Computing and Quantum technologies. Before consulting, Kristin was a Chief Data Scientist at Morgan Stanley, as well as former head of Global Financial Crimes Compliance Technology and Model Management at JP Morgan. Kristin is a sought-after thought leader specializing in AI and bio-facial recognition, and has expertise in using cutting edge analytics to exploit illicit networks, such as money laundering, terrorist financing, fraud cells and drug/human trafficking. Kristin is an AI Associate Fellow of the University of Oxford, where she completed post-doctoral studies in AI and holds a PhD in Decision Sciences. She also holds a Master of Business Administration from the University of Colorado and a Bachelor of Business Administration from Texas A&M University. Outside of BMO, Kristin sits on the foundation board of Children’s National Hospital in Washington D.C. She is a licensed race car driver and was formerly a board member of Lamborghini. She also wrote and illustrated a children’s book, Tell Me Henry, to advocate for more diversity in children’s literature.

Ben Hoffman Executive Vice President Chief Strategy Officer and Head of Consumer Products Ben Hoffman serves as chief strategy officer and head of consumer products at Fifth Third Bank, N.A. As strategy officer, he oversees strategic planning, governance and strategic risk management. As head of consumer products, he is responsible for deposits, credit cards, unsecured lending, product and marketing analytics, and the online and mobile experiences for Fifth Third’s consumer and small business clients. Ben joined the Bank in March 2016 as head of corporate strategy, fintech, customer experience and digital lending. Before that, Ben spent over a decade in consulting as a partner in the financial services practice at Oliver Wyman. There, he advised leading banks and other financial institutions both in the U.S. and globally. Education Ben earned a bachelor’s degree in economics from Harvard University. Professional and Civic Ben serves as a director for PayCo Inc., a payment-system infrastructure formed by The Clearing House that operates an electronic check clearing and settlement system, a clearing house and a wholesale funds transfer system. He’s also a member of the Plaid Industry Advisory Board and of the Entrepreneurship Program Advisory Board at Miami University’s Farmer School of Business. Ben has written on behalf of Oliver Wyman and the World Economic Forum, chaired the American Banker Marketplace Lending & Investing conference. He also sits on the board of the Santi School Project, a nonprofit dedicated to giving girls and disadvantaged ethnic minorities in Nepal access to quality education. Along with his wife and two children, Ben lives in Cincinnati and is enjoying his return to suburban living, even as he maintains his passion for international football and world travel.

Lizzie leads Product Strategy & Transformation for all Commercial Card products and clients segments, ranging from small business to Fortune 100. She has spent most of her career in strategy, consulting for Fortune 100 clients to venture-backed startups. She has led teams to launch new products, define go-to-market strategies, create operating models, and ideate customer-centric offerings, among other functions. She received her MBA from Chicago Booth, and has been selected as one of 30 women future leaders in payments by Money 20/20 in 2021 and for ETA Transact’s Forty under 40 leaders of the payments industry in 2023.

Steve Bugg serves as President and CEO of Great Lakes Credit Union, a $1.6 billion Illinois State Chartered Credit Union, Federally Insured by the NCUA and headquartered in Northern Illinois (Lake County). GLCU is a low-income designated credit union (LICU), a community development credit union (CDCU) and holds the Juntos Avanzamos (“Together We Advance”) designation for credit unions committed to serving and empowering Hispanic consumers. The credit union has a strategic focus on serving underserved markets. The credit union serves over 100,000 members nationally through community financial wellness centers and a robust digital channel. Mr. Bugg began his career in banking and then transitioned into the telecommunications industry where he spent over twenty years prior to leveraging that corporate experience with his shift into the credit union industry where he has held multiple leadership roles. Steve has been, and continues to be, actively involved in serving as a volunteer for non-profit boards in leadership capacities, including currently serving on the Lake County Community Foundation’s Board of Directors and serving on the Waukegan Public Library Board as a Trustee. He also supports credit union advocacy efforts by serving on the Illinois Credit Union League Legislative Committee and the Illinois BankOn Committee. Mr. Bugg graduated from the University of Evansville with a BA in Business Administration / Marketing. He is also a graduate of The ProCon Leadership Institute for Cooperatives focusing on the development of CEOs and holds a real estate license in the State of Indiana. He is a strong advocate and supporter of providing low-and-moderate income households with the ability to improve their financial well-being through financial literacy initiatives, including housing counseling, and partnerships with non-profits and government agencies through the GLCU Foundation for Financial Empowerment. GLCU and Mr. Bugg have been recognized as leaders in the credit union industry through various awards and special recognition and were the first-ever DEI: Catalyst for Change Award winner presented by CUES. In 2023, the credit union launched a strategic partnership with the Leader’s Network in the underserved areas of the South / Southwest side of the City of Chicago with a primary focus on the Austin neighborhood with bringing a financial wellness center to this financial desert.

Cenk Bulbul is currently the Chief Marketing Officer for Santander Bank. Prior to joining the company in March 2025, Cenk led the Brand and Enterprise Marketing team at Walmart Connect. Prior to Walmart, Cenk held marketing and strategy leadership roles at Google, McKinsey, and Ogilvy. With nearly 25 years of experience, Cenk brings with him a wealth of expertise in brand building, advertising, 360 integrated and digital marketing, research, and analytics. He lives in New York with his two young daughters.

Sadeque Ahmed is a senior executive at J.P. Morgan with over 25 years of Investment and Retail banking experience across London and New York. He has led large-scale global operations across Equities, Fixed Income, and Client Onboarding & KYC, while also driving strategy and transformation across critical functions. He most recently developed a modular, scalable onboarding infrastructure enabling Chase’s European digital bank to operate across markets, and with embedded finance capabilities. Sadeque is a strong advocate for applying similar innovation across banks, fintechs, and the public sector to drive digital identity, compliance, and economic inclusion. He also serves as a Non-Executive Director at Miraj Studios, an EdTech platform for culturally enriched learning.

Ana Climente is the Head of Open Banking at BBVA Spain, where she spearheads efforts to integrate with new ecosystems, fostering partnerships with third parties, and pioneering innovative distribution methods for financial services through APIs. Before this role, Ana was the Head of Digital Transformation for Enterprise Clients at BBVA Spain. In this capacity, she led the creation of data-driven solutions aimed at empowering enterprise clients to make more informed financial decisions. Ana’s extensive experience at BBVA also includes her position as Vice President of Payments and Collections, where she played a pivotal role in the transition to SEPA and the development of advanced cash management solutions. Additionally, she has represented BBVA and the Spanish financial sector in various EBA and EPC working groups. Ana joined BBVA in 2005. Before, she worked as a strategy consultant at Accenture, specializing in B2B solutions across Europe, the Middle East, and Africa. She also started up Adquira, a leading Spanish e-procurement company. Ana holds a double degree in International Business Administration from institutions in Spain and Germany.

Philippe is the Managing Director for NAventures. He focuses on sourcing companies that will advance National Bank’s transformation. Before joining NAventures, Philippe developed and led the integration and separation advisory practice at a Big 4 firm. He played a varied role ranging from engagement sourcing to due diligence and integration advisory. He worked on large mergers and acquisition projects, including transformative deals for Canadian financial institutions. Philippe also practiced for several years in the United States, France, Latin America and New Zealand.

Elizabeth Osborne is an experienced operations and information technology leader based in the greater Chicago area, with a solid background in the Credit Union and banking industries. With a track record of success, she has held prominent roles such as Chief Information Officer (CIO) in Community Banking and Business Integration for Mergers and Acquisitions (M&A) for a regional bank. She has been recognized by American Banker as one of the “Most Powerful Women in Credit Unions” 2023 and 2024. Currently serving as the Chief Operations Officer at Great Lakes Credit Union (GLCU), Elizabeth holds oversight over critical areas including Technology, Digital, Deposit Operations, Product Management, and the Project Management Office (PMO). Her strategic insights, data-driven decision-making, and expertise in process improvement play a pivotal role in executing GLCU’s strategy and enhancing operational efficiency. Elizabeth’s proficiency spans across various domains including Management, Project Management, Risk Management, Data Analysis, Strategic Planning, Budgeting, and Business Process Improvement. She has been instrumental in driving operational excellence and fostering technological innovation through strategic partnerships with FinTechs and other key collaborators. With her comprehensive skill set and dedication to excellence, Elizabeth continues to drive forward progress and success in the financial sector. Elizabeth has an MBA in Finance from Endicott College in Beverly, MA, a BS in Leadership from Northeastern University in Boston, MA, and a Diversity, Equity, and Inclusion Certificate from Cornell University.

Ankur is an Executive Vice President at PNC Bank where his team develops machine learning models to fight financial crime across Fraud and AML. Ankur is a seasoned Risk Management professional with 15+ years of experience in modeling market, credit, fraud and operational risk. Before joining PNC, Ankur was an Assistant Professor at Case Western Reserve University.

Bridgit Chayt Executive Vice President Head of Commercial Payments and Treasury Management Bridgit Chayt serves as executive vice president, and head of commercial payments and treasury management for Fifth Third Bank, National Association. She oversees the strategic direction of commercial payment and depository services, including commercial card issuing and acquiring activities. Before joining Fifth Third in 2016, Bridgit spent more than two decades in financial services, serving in various roles with Midwest Guaranty Bank and Comerica Bank, where she served as executive vice president and director of treasury management and business deposit services. She has a track record of delivering market-leading revenue growth, product innovation, customer loyalty and risk performance for treasury management, merchant services, commercial card and government card programs. Bridgit’s experience includes global corporate marketing, commercial banking and wealth management. She started both a bank and holding company in Troy, Michigan, focused on providing banking services to middle market companies and their owners. Her background includes experience in education, human resources and operations management. Education Bridgit earned a bachelor’s degree in English and political science from St Joseph’s College in Rensselaer, Indiana. She went on to study at the Graduate School of Banking in Boulder, Colorado, and University of Chicago-Booth School of Business. Professional and Civic Bridgit is a board member of Cincinnati’s Mercantile Library, the Dallas Business Council for the Arts, United Way’s Women of Tocqueville Society and Friends of the Bloomfield Township Library in Detroit. She previously served on the boards of Girl Scouts of Southeastern Michigan, United Way Women’s Initiative Southeast Michigan and Boys & Girls Club of Troy, Michigan. In 2023, she led Fifth Third’s ArtsWave employee campaign, which raised $1 million for Greater Cincinnati’s cultural organizations. In 2024, Bridgit was named to American Banker’s list of Most Powerful Women in Banking and as a YWCA Career Women of Achievement.

Jyotsana “Jo” Jagadish is the Head of Digital Banking and U.S. Contact Centers at TD Bank, America’s Most Convenient Bank®. In this role, Jo leads the strategy, execution and innovation of Digital and Mobile capabilities and the future of omnichannel experiences at TD. In addition to Jo’s current mandate, she also serves as a member of the U.S. Management Committee. In her previous role as Head of Commercial Bank Products and Services for the U.S. Commercial Bank, she led Product P&L for Treasury Management, Deposits and Merchant Acquiring. She oversaw innovative product launches including U.S. Business Central, Zelle for Small Business, the award-winning roll out of Tap to Pay for iPhone, and the SMB Insights Dashboard. Prior to joining TD, Jo was Head of New Product Development and FinTech partnerships at JPMorgan Chase Commercial Banking where she led the strategy, development, and commercialization of new Treasury Management product capabilities. She also ran the Treasury & Payments product strategy for the Commercial Bank. Prior to JPMorgan Chase, Jo led product and platform strategy globally for digital payments at Citibank. She implemented Apple Pay in the U.S. and later took on the role as the Global Product Manager for Apple Pay for Citi deploying the product in several countries. Jo has spent more than 18 years leading teams within financial services and delivering value and innovation through creativity, to customers. She received a Bachelor’s degree in Engineering, Electronics & Communications from Visvesvaraya Technological University (VTU), a top technical University in India. In 2024, American Banker’s Most Powerful Women in Banking NEXT Awards named Jo as one of their 2024 Honorees. The award underscores transformative impact powerful women have on the financial sector. She also received American Banker’s “Most Powerful Women in Banking Top Team” award, and Crain’s NY “Rising Stars in Banking and Finance” distinction.

Fred Campobasso serves as Chief Lending Officer of Great Lakes Credit Union headquartered in Northern Illinois. In his role as Chief Lending Officer, Fred is responsible for commercial, consumer and mortgage lending and collections areas of the credit union. In addition to being in the credit union industry for over twenty years, he volunteers his time in the credit union industry, serving on the Board of Member Student Lending and as an Advisory Board member of TruTreasury. Fred also supports the Great Lakes Credit Union Foundation for Financial Empowerment and its many programs, which includes food drives for local school districts, annual Memorial Day veterans services at local cemeteries, holiday toy drives, financial education and literacy initiatives. He is a strong advocate and supporter of providing low-and-moderate income households the ability to improve their financial well-being through financial literacy initiatives, with a focus on providing credit at fair and reasonable terms for the traditionally underserved. Fred also has a passion for building generational wealth through responsible lending.

Versatile and result oriented industry expert with exemplary track record of driving technology-driven business transformation over 20 years in financial services, including progressive leadership roles at Five Star Bank, M&T Bank, Erie Insurance Group, Bank of America and a few startups.

Rene Schuurman is a global product manager for CashPro API in Bank of America’s Global Payments Solutions division. He has global product responsibility for portfolio management, strategic partnerships, and complex integration requests for all segments and markets.

Matthew Seagrim, Chief Digital & Marketing Officer As Meridian’s Chief Digital & Marketing Officer, Matthew is responsible for leading the digital and marketing efforts of the organization as it embarks on its new multi-year corporate strategy, Meridian for Good. In his role, Matthew will advance the new strategy across data, digital, IT and marketing functions, leading the evolution of Meridian’s brand narrative to support the realization of its purpose and vision. Prior to joining Meridian, Matthew spent seven years leading Scene+, one of Canada’s leading loyalty programs. Matthew redefined Scene+’s brand and value proposition, transformed their data infrastructure to become digital first, and invested in technology to drive flexibility and automation. His contributions translated to significant growth in the scale and breadth of the program and attraction of new partnerships. Matthew began his financial career supporting leading financial services players through periods of growth and transformation including TD, Citibank, PC Financial, followed by AIMIA, where he spent eight years in various executive positions overseeing strategy, product development, and innovation. Matthew holds a Bachelor of Applied Science degree from Queen’s University, leveraging his technical knowledge to drive innovation and digital transformation in the industry. He is recognized as a thought leader and sought-after speaker at industry engagements. He serves on the Board of Directors for Give a Mile, a registered charity in Canada and the U.S. that provides flights for people at end of life to connect with their loved ones for a final goodbye.

Kathryn Albright is EVP of Global Payments & Deposits at Umpqua Bank, a $52B asset bank headquartered in the Pacific Northwest, with locations throughout the Western half of the U.S. At Umpqua, Albright is responsible for the development and delivery of commercial and business banking solutions, as well as the sales, onboarding and client experience teams for Treasury, Card, Merchant and International Solutions. Albright has over 30 years of financial industry experience at U.S. Bank, Wells Fargo (Wachovia), Regions Bank and BBVA. Albright has been recognized as a “Top 25 Most Influential Women in Payments” in 2024 and 2022 by American Banker, a “Woman of Influence” in 2024 by the Portland Business Journal, one of the “Most Powerful Women in Banking” for six consecutive years by American Banker, and an “Outstanding Woman in Business” twice by the Denver Business Journal. Albright is a CTP (Certified Treasury Professional), AAP (Accredited ACH Professional) and holds a B.S. in Finance from the University of Tennessee, as well as an MBA from the University of North Carolina. She is currently attending the Pacific Coast Banking School at the University of Washington.

Mary Joseph is Senior Vice President of Strategic Investments at Citi, where she drives global investments in fintech and B2B SaaS startups for Treasury and Trade Solutions (TTS). Previously, Mary honed her expertise in fintech M&A advisory within Citi’s Investment Banking group, and as an investor at GreenHouse Capital, a venture capital firm investing in early-stage fintechs across Africa and the Middle East. Throughout her career spanning diverse roles and geographies, Mary has championed the growth and empowerment of early-stage companies reshaping the global fintech landscape, with a particular emphasis on emerging markets. Mary holds an MBA in Strategic Management and Entrepreneurship & Innovation from The Wharton School, University of Pennsylvania, and a BA in Sociology and Business Management from Columbia University.

Yelena is a seasoned technology professional, whose career journey reflects her deep commitment to innovation, technology, and leadership. She began her career as a software developer, quickly distinguishing herself through her adeptness at coding and problem-solving. Overtime Yelena transitioned her focus towards data infrastructure and cloud, driven by a passion for data and its potential to revolutionize virtually every industry. In her current role, Yelena is a Head of Public Cloud Data at Citi, where she oversees the strategic direction and execution of cloud data initiatives for the firm, fostering innovation to provide robust data solutions that support the organization’s goals and objectives.

Lead Consumer Payments for Santander’s Openbank and Branch Divisions

Hailong “Harry” Wang is Director Analytics and Head of the MRM Innovation Lab at Fifth Third Bank, widely recognized as a thought leader and catalyst in digital model lifecycle management. Harry pioneers next-generation agentic ecosystems that elevate productivity, drive innovation, and enhance risk management across financial services. A trailblazer in Domain Knowledge Agentic AI, Harry is shaping the future of AI in the industry. He is a sought-after conference speaker on Agentic AI, hyperautomation, and digital transformation, sharing actionable insights from nearly 20 years of experience spanning banking, insurance, and commodity trading. Throughout his career, Harry has built and led top-tier quant/data science teams, established industry best practices, and delivered transformative solutions in loss forecasting, capital markets, fraud, scorecards, AI/ML, and Generative AI. His deep expertise in aligning AI innovation with SR11-7, NIST, and industry regulations ensures responsible and scalable adoption of AI across the sector.

Ian is part of the Client Relations team within the Federal Reserve Financial Service group. He and his team of FedNow Client Specialists work with financial institutions, service providers and corporate originators as they join and expand their usage of the FedNow instant payment network.

Neal is a dynamic leader in banking and has had roles in Operations, Sales, Strategy, Finance and Enablement. He has worked at JPMorgan and Barclays and has since been at Citizens for over 7 years supporting Business Banking, driving progressive thinking and innovation through a creatively analytical approach. His recent scope includes product strategy, digital journey design, strategic vision and execution, coverage model evolution, data & analytics and CRM platform management.

Jessica Carta, Senior Vice President, Consumer & SMB Payments, Citizen’s Bank Jessica Carta is a dynamic digital product executive with over a decade of experience spanning global payments, fintech innovation, and enterprise transformation. As Senior Vice President at Citizen’s Bank, Jessica leads the Consumer & SMB Payments team, overseeing a portfolio that powers everyday money movement and drives strategic growth across consumer and small business segments. Prior to her current role, Jessica spent six years at Mastercard, where she led product development and commercialization efforts across digital payments and emerging technologies. She also held leadership roles at four fintech startups, gaining hands-on experience in building and scaling innovative financial solutions from the ground up. Jessica is known for her ability to align cross-functional teams around complex transformation efforts, balancing customer-centric design with scalable technology solutions. She collaborates closely with colleagues, fostering a culture of accountability, agility, and innovation.

Melisa Albas is a thoughtful leader in data-driven innovation, focused on applying AI and analytics to enable smarter decisions and more meaningful member experiences. At First West Credit Union, she transforms complex data into practical, human-centered strategies that drive measurable impact. With a background in AI/ML, customer insights, and loyalty ecosystems, Melisa has led award-winning initiatives rooted in real-world problem solving. A former analytics entrepreneur, she brings a collaborative, execution-focused mindset to addressing challenges through the responsible use of data and emerging technologies.

Arsa heads up the Retail Credit Risk Capital Model Validation group at U.S. Bank. His team covers CECL and CCAR / DFAST stress testing models for all Retail products including mortgage & HELOC, personal loans, credit card, and auto loans & leases. Prior to joining U.S. Bank, Arsa was Head of Model Risk Management at MUFG Union Bank. He has 20 years of experience in the financial industry in various credit risk modeling and analytics roles across Wholesale and Retail lending portfolio; previously he was in Morgan Stanley, Bank of America, and Goldman Sachs. Arsa holds a BS in Computer Science and MS in Computational Finance from Carnegie Mellon University and has passed CFA Level III.

Rafal Orlowski is the Director of Data Science at Scotiabank, where he leads various artificial intelligence (AI) and machine learning (ML) initiatives. He is part of the Global Artificial Intelligence and Machine Learning team and has worked at Scotiabank for over seven years on projects in areas including digital banking, fraud detection, anti-money laundering, and mobile banking. He has a decade of experience in data science with a current focus generative AI, natural language understanding (NLU), and chatbots.

Tisha Dey, CTP Vice President Global Transaction Banking Tisha Dey started her career with BMO Harris Bank in 2015 and has held several roles throughout the organization from Capital Market Compliance to Sales. Her current role is with the US Treasury & Payment Solutions team as a Vice President, leading and managing Capital Market clients and collaborating with Corporate Banking partners in the Business Services and Technology sector. Tisha has prior experience of over 15 years working in diverse financial roles with PepsiCo, Bank of America Merrill Lynch and JP Morgan Chase Bank that adds to her wealth of knowledge and international experience. Tisha seeks to grow the Treasury & Payment Solutions business through effective communication and persuasive negotiation to ensure a positive customer experience. Tisha has earned her MBA and MS degrees from DePaul University in Chicago and holds CTP certification since 2021.

Elaine Szeto is the EVP, Chief Innovation Officer, and Founder of Integro Bank. Having built the
bank from the ground up, Elaine oversees Investor Relations, leads the bank’s business strategic
plan, and is responsible for the strategic deliverables via operational excellence and innovation.
By providing leading-edge financial offerings, proprietary INTEGRO360SM services, and driving
best-in-class client experiences to position organizations for success which fuels business and
employment growth. She also pioneered, built, and currently chairs the Integro CEO Club
program. This program works with over 100 CEOs and business leaders to scale the bank’s
growth.

For over 25 years, Szeto has a well-proven track record of forward-thinking leadership in driving revenue growth via innovation, technology transformation, digital products, marketing, and service excellence with Fortune 500 companies. She has implemented and rolled out over 100 enterprise-level products and solutions during her career.

Before her tenure at Integro Bank, Szeto held the position of Chief Product Officer at Western Alliance Bancorporation (NYSE: WAL), where she played a pivotal role in driving revenue growth through strategic initiatives and digital transformation efforts.

Szeto’s influence extends beyond the confines of traditional banking, as she has actively collaborated with fintech partners to shape product roadmaps and drive innovation within the industry. Her leadership roles at Mutual of Omaha Bank (now First Citizens) and PNC Bank further solidify her expertise in enterprise strategic project management, go-to-market strategies, and treasury management.

An alumna of Case Western Reserve University, Szeto holds an MBA with honors and a B.S. in
Finance (Magna Cum Laude). She is also a Certified Treasury Professional (CTP) and has
completed executive programs at the University of North Carolina Kenan-Flagler Business
School.

Beyond her professional achievements, Szeto is committed to fostering leadership and diversity
initiatives which has led to being recognized with The Multicultural Leadership Award. She has
chaired several leadership programs, including The Commonwealth Institute’s Top Women-Led
Businesses and the YWCA. Additionally, Szeto has served on the board of governors for both
the Diversity Council and the Fort Lauderdale Museum of Art.

Szeto’s influence extends to the payment industry, where she is actively involved in
organizations such as the National Association for Financial Professionals and the NACHA
16215 N 28th Ave, Phoenix, Arizona 85053, US

(602) 805-5088
|
www.integro.bank
Payment Innovation Alliance. Through speaking engagements and collaboration with industry
leaders, Szeto continues to drive positive change and harness emerging technologies in the
financial sector.

Jason Libasci is an accomplished technology leader and enterprise architect, currently consulting with Bank of America on strategic initiatives in the integrated payables and commercial card space. His recent work includes designing architecture for advanced payment workflows, mobile virtual card solutions, and enhanced transaction security, driving efficiency and innovation across enterprise payment channels. Previously, Jason served as an Executive Director at JPMorgan Chase, where he led the delivery of the firm’s industry-leading Corporate Card platform, PaymentNet, and directed global engineering teams of more than 140. Over two decades in financial services and consulting, he has built a reputation for modernizing platforms, leading large-scale cloud migrations, and aligning technology strategy with business goals. Jason holds AWS and Microsoft Azure certifications and is known for fostering high-performing teams and delivering measurable business value.

Pam Hymel is a senior executive with over 35 years of comprehensive achievements across the financial industry including 25 years focused on digital initiatives. Prior to joining Hancock Whitney, she spent 25 years with Hibernia National Bank and Capital One serving as an accountable leader over enterprise-wide channel management, e-commerce and digital services, and launched Capital One’s first mobile banking App. While at Hancock Whitney Pam is the Director of Digital Strategy and has provided leadership over various initiatives including online account opening, online and mobile banking, and digital lending as well as several acquisition conversions. She earned her B.S. Business and Marketing from Louisiana State University.

Kimberli is a second-generation Credit Union advocate who started her career in the CU industry over 20 years ago. She has served in many capacities from the teller line, call centers, collections, lending, corporate training, branch management and most recently senior management. She found her passion in sales and relationship building when visiting businesses and serving her community as a branch manager for the Credit Union. In 2014 when AFCU was piloting the Business Development program, Kimberli was selected to head the pilot committee. After much success, she was given the reins to create a new department for AFCU, a $20 billion-dollar organization. Managing a dynamic sales team covering 6 states, 118 branches and 6000 + Select Employer Group relationships. Intently focused on a ‘Sales is Service’ culture. As AFCU continued to evolve, in 2019 she was named the first Vice President of Business Development and Military Affairs. January 2021 that role expanded to take on the CU’s Business Services Department including Merchant Sales, SMB Product Development and New Account Services. Involvement with the development and implementation of SMB products and services, which resulted in a significant increase in market share and member satisfaction. Working to spearhead innovation in digital onboarding processes, partnering with cutting edge FinTech partners, with goals to reduce onboarding time by 50% and improving retention rates. Experience with developing and executing strategies to attract medium to high-value businesses, leading to increases in revenue within the SMB market. She’s collaborated with cross-functional teams to identify and address member needs, ensuring the delivery of high-quality products and services. A regular contributor to the Credit Union National Association Marketing and Business Development Council, she works hard to support others in her field and the Credit Union movement. Spending volunteer time on committees, she appreciates the importance of community and has a genuine love and belief in the CU Philosophy of ‘People Helping People’, Kimberli works hard to give back to the place where she lives, works, and plays. That love carries through her Air Force Family. Bringing financial literacy to Airmen, coordinating lunch and learns with First Sergeants and providing opportunities for airmen to give back through the Boys and Girls Clubs of Weber Davis. She walks the talk and is the first to jump in, roll up her sleeves and get to work. She prides herself on leading by example and never asks her team to do something she isn’t willing to do. There is no job too big or too small. When it comes to Credit Unions, its Members and Businesses, the Air Force, her community and family, Kimberli is all in.

Co-Founder & CEO @ Debbie; Previously did credit risk & product @ Marcus by Goldman Sachs. Immigrant, first-gen college grad and wealth builder. Passionate about helping others achieve financial security because I’ve experienced the lack of it.

Robin Stewart has over 25 years of experience driving customer solutions in the Financial Services industry and is currently Head of Business Banking Product Management and Business Strategy at BMO. He joined BMO in 2001 and has held leadership roles in Credit Risk Management, Decision Support and Analytics, Branch Operations, Investment Sales, Payments Operations, and, for the last 5 years, Business Banking. In his current role, Robin oversees Business Banking Products, Programs, Growth and Risk strategies. He’s passionate about supporting Canada’s Small Businesses and helping them drive economic growth through innovation. Robin holds an honours degree in Mathematics/Operations Research from the University of Waterloo and an MBA from Queen’s University. Additionally he is a CFA charter holder and holds the CPA accounting designation.

Maida Dalmacio is a highly accomplished financial and strategic leader with 20 years of experience in banking, payments, and corporate strategy. As Associate Vice President at TD, she spearheads digital payments initiatives and owns the servicing customer experience within Canadian Credit Cards. She has successfully led product innovation, regulatory compliance delivery, and building industry partnerships to drive key customer and business outcomes. Throughout her career, Maida has held pivotal roles across TD Bank, TD Securities, and Deloitte, leading high-impact teams in strategic planning, finance, risk management, and operations. Previously, as Special Assistant to the Group Head of Canadian Personal Banking, she played a key role in executive strategy, stakeholder engagement, and operational excellence. Beyond her professional achievements, Maida is deeply committed to diversity and community engagement. She has held leadership roles in TD’s Inclusion and Diversity programs such as the Multicultural Network Executive Committee and Women at TD Committee, and she is the United Way Executive Cabinet Chair. Maida is a Chartered Professional Accountant, earned her Honours Business Administration with distinction from the Richard Ivey School of Business, and received multiple awards for leadership and academic excellence. She is also a recipient of industry accolades, including the Women in Capital Markets Emerging Leaders Award, Ascend MVP Award and TD’s Pinnacle Award.

With a strong passion for innovation, I lead a team of talented engineers, driving strategic initiatives and aligning them with our organizational goals. Currently leading E2E development of a digital platform for our business customers which gives them best-in-class self-serve experience, driving agility and efficient operations.

Jamie Heidrich is the Vice President and Head of Consumer Digital – Account Experience & Non-Monetary Servicing at Fifth Third. In her current role, Jamie drives strategic priorities for the Bank’s digital channel experiences, focusing on improving customer engagement, satisfaction, and household retention. Jamie and her team strive to deliver innovative products and experiences that exceed customer expectations, positioning Fifth Third to thrive in a digital world. Since joining Fifth Third in 2012, Jamie has held several roles across the organization, gaining extensive cross-functional experience. This diverse background has enabled her to ensure that Fifth Third continues to keep the customer at the center of everything they do. During her tenure, Jamie has overseen the Bank’s key risk indicators program, played a pivotal role in maturing third-party risk management, and grew business management operations practice within Digital. Jamie earned a BA in Communications from Xavier University.

With 14 years of experience in credit and model risk management, Sarvesh acts as Head of Risk and Data Science at Fundbox. He leads a cross functional team managing risk strategies over the entire customer lifecycle. He is passionate about building AI-powered decisioning frameworks, making small business lending faster, smarter, and more accessible. Beyond his role at Fundbox, he mentor small business owners as a SCORE mentor, helping them navigate financial challenges and secure funding to grow their businesses.

Kendrick is the Global Insights Manager for Payments and Lending. He lives in Chicago and has 15 years of experience in the payment industry. He has worked with many merchants, issuers, fintech companies and card networks. He drives the Payments and Lending research strategy across 47 markets and presents his research to clients on what is driving consumer and commercial payments, fintech innovation, and payment regulation developments. He has presented his expertise at several payment conferences and has appeared in publications including the Wall Street Journal, USA Today and CNBC.

Originally a Commercial Banker, Helene is an Associate Director with the Centre for Digital Banking and Finance in LIBF, an experienced FinTech Programme Director, exited entrepreneur, educator and author. Her career boasts a number of ‘firsts’, including the creation of the FinTech Scale Colab Programme for Rainmaking, the Inaugural Programme of Education and Events for Innovate Finance, the FinTech on the Entrepreneurship Masters’ for UCL. Board and advisory roles include the Spanish digital identity scale up, Biid, the UK safeguarding RegTech, Kalgera, and the SME payments company, TomatoPay.  Helene was named on the Computer Weekly 100 Women in Tech Award, the Innovate Finance Women in FinTech Power List, and the Fintech Magazine 100 Women in Fintech list. She was also part of the FCA 2020 Data Sprint on SME Lending, and the recipient of the FT/Google Digital Pioneer Award. Her new book ‘Reinventing Banking & Finance: Frameworks to navigate global fintech innovation’ (Kogan) came out in November 2020, and was named the number one banking book for 2021 by Investopedia.

John Kain leads the worldwide business and market development efforts for the Financial Services industry at Amazon Web Services (AWS). In this role, he works with customers across a range of financial sectors, including banking, payments, capital markets, and insurance, to help them transform their existing businesses and bring new, innovative solutions to market by leveraging AWS services. John has more than twenty years of experience developing solutions for financial institutions. Prior to joining AWS, he led key programs for J.P. Morgan, Nasdaq, and two venture-backed financial technology companies. John holds a Bachelor of Engineering in Electrical Engineering from the Cooper Union for the Advancement of Science and Art.

Alex Fan is a Data & AI leader based in Dallas, Texas, with deep expertise in financial services and a proven track record of delivering transformative data solutions. He has led financial services-focused initiatives that helped clients accelerate growth, improve operational efficiency, and unlock deeper business insights. His work has spanned strategic company turnarounds and tactical solution implementations, with a major emphasis on enabling organizations to do more with their data.

Aditya (Adi) is a Principal Value Engineer at Celonis, where he collaborates with major financial institutions to identify inefficiencies in their processes and maximize value through process intelligence and automation. With over 17 years of experience in financial services, he has successfully led large-scale transformation projects, partnering with C-suite executives to uncover improvement opportunities in the banking sector. Before joining Celonis, Adi worked at EY, where he led global treasury assessment and implementation projects, focusing on identifying process inefficiencies and automating solutions to ensure compliance with global regulatory standards.

Cyril Lalo is the Chief Executive Officer and founder of Ellipse. His global leadership experience, innovation, strategy, and vision push the payment industry further.

Prior to Ellipse, Cyril founded and acted as CEO of NagraID Security Group. Cyril led his NagraID team to design and develop industrialization capabilities for the innovative security and authentication solutions of multi-component complex cards. He pioneered the development of the non-violent lamination process that allows sensitive electronics and active components to be embedded in credit cards. He sold NagraID Security Group in September 2014 to Oberthur Technology (IDEMIA), where he became Worldwide Head of Payment, Indirect Sales.

Cyril’s passion for complex technology led him to invent and patent Display Card, the first reliable mass-produced payment card with a built-in LCD display and touch-sensitive keypad. He was able to lead his team to create the first production line for the mass manufacturing of complex components in an ISO 7810 thickness card; the process was certified by Visa and MasterCard.

Cyril and his team developed the first Display Card that generates and displays one-time passwords, providing a strong two-factor authentication for ebanking and ecommerce. These innovative cards gained industry-wide recognition and are deployed by prestigious card issuers worldwide such as Bank of America Merrill Lynch, PayPal, Erste Bank, and Standard Chartered Bank. They were also deployed by authentication industry leaders such as RSA, Verisign, Vasco, Symantec, and Gemalto.

Cyril’s expertise in the payments and authentication space led him to invent, develop, and deploy the first card product and process to secure Card-Not-Present transactions: the dynamic CVV/C2 card.

Carlos Kazuo Missao is Head of Innovation at GFT, where he guides some of the world’s leading banking, finance, and insurance companies through large-scale digital transformation journeys. Missao’s work spans the complete overhaul of legacy architectures and full cloud migrations to the adoption of advanced technologies and the introduction of open banking frameworks.

Rishi is the co-founder and CEO of Kastle (www.kastle.ai). Backed by Y Combinator and Commerce Ventures, Kastle is used by the largest banks and lenders in North America to automate consumer loan servicing. The company has interacted with over 1 million consumers and is one of the most deployed AI agents in consumer lending. Before Kastle, Rishi was the founding Product Manager for Redfin’s Mortgage Marketplace. He also led Redfin’s Search Experience team responsible for 80% of the company’s traffic. Rishi has a BS in Systems Engineering from the University of Illinois at Urbana Champaign.

Ajay Bhandari is a Senior Vice President and Regional Head of Financial Services for North America at Infosys. He boasts over three decades of experience shaping the financial services and insurance landscape. For the past ten years, he has played a pivotal role in bringing next-generation solutions and insights to Infosys’ financial services clients. Through his leadership, Ajay has helped his clients improve their customer experience and driven significant value creation. Adept at fostering industry-wide transformation, Ajay builds strong partnerships with financial institutions, fintechs, cloud giants, advisors, and product companies. Through collaboration across this ecosystem, he champions innovative solutions that optimize business models, operations, and technology.

Jonathan Robins is an accomplished technology executive and entrepreneur with over 25 years of experience leading innovation across enterprise software, fintech, and sports analytics. He currently serves as Chief Technology Officer at Intellicheck, where he drives engineering strategy and product development. After selling his business in 2012, he developed advanced baseball systems as part of the Chicago Cubs’ R&D team. Earlier in his career, he founded and scaled multiple successful software companies, including SolidifyHR and Jbytes, delivering pioneering solutions in the Fintech market. With a proven track record of building high-performing teams, bringing innovative products to market, and bridging business strategy with technical execution, he speaks on topics including applying data analytics, machine learning and AI to the identity verification market.

Caitlyn is deeply committed to the success and resilience of all industry participants. She forms close relationships with clients and takes the time to understand their unique business models, strategic goals, and challenges to provide guidance that enhances their risk mitigation and compliance programs, helping to strengthen the industry while supporting the future of payments. Additionally, Caitlyn collaborates with regulators and industry experts to ensure that NPG stays ahead of any rules, laws, regulations, and guidance that impact clients. Her strong industry relationships and extensive expertise allow her to provide valuable insights to clients, share knowledge at payments events and forums, and design specialized training programs for various partners.

Greg Sullins, a veteran financial services strategist, joined Newgen Software in February 2023 as Head of U.S. Banking – Center of Excellence, where he supports banks and credit unions in their digital banking transformations. He guides clients in developing and executing digital roadmaps to enhance customer and employee experiences while delivering shareholder value. With over 30 years of industry experience, Greg has been a driving force for change in banking. Prior to Newgen, he served as EVP at Wilson Bank & Trust, overseeing strategy, quality, and productivity. There, he led the bank’s digital transformation, implementing NewgenONE for deposit account opening, customer/account maintenance, and loan origination for small business and commercial clients. Earlier, Greg held multiple national leadership roles at Bank of America in consumer, small business, and commercial lending. He co-founded and served as CEO and President of Financial Service Solutions, LLC—a joint venture with Accenture, Fidelity National Financial, and Bank of America—offering home loan business process outsourcing to U.S. lenders. He was also Executive Director and Partner of IBM Lender Business Process Services, Inc., a subsidiary he helped establish to provide private-label mortgage fulfilment services to U.S. lenders. Greg later founded The Sullins Group, a consulting practice helping banks, credit unions, and fintechs design and implement strategies, processes, and technology integrations to drive operational improvements and business value. At Newgen, Greg leads a team dedicated to maximizing the value and effectiveness of the company’s solutions through governance, reusable frameworks, implementation guidance, and innovation strategies, ensuring scalable, compliant, and efficient delivery. He is a certified Six Sigma Black Belt in process design and business reengineering, and an alumnus of Austin Peay State University and the Graduate School of Banking at the University of Delaware.

Puneet Malhotra is a forward-thinking technology executive with extensive experience in the banking and fintech sectors and a proven track record of driving business expansion through skilled sales leadership and client engagement. Renowned for his ability to align business strategy with client objectives, Malhotra has spearheaded initiatives that have guided financial institutions through their digital transformation journeys, enabling them to compete more effectively in a rapidly changing environment.

Toffer Grant is the CEO / Founder of PEX, an AI-powered spend and expense management platform that empowers thousands of organizations across industries such as construction, nonprofits, education, and media production. Since launching PEX in 2007, he has led its growth from a corporate card solution into a full-service platform that saves finance teams hundreds of hours annually while delivering enterprise-level controls to businesses of all sizes.

Prior to founding PEX, Toffer was an early employee at Clarity Payment Solutions, a pioneering prepaid issuer processor acquired by TSYS, and earlier held roles at the William Morris Agency and DoubleClick. With more than two decades of experience in fintech, payments, and digital innovation, he brings unique insight into how technology and AI are reshaping financial operations for the modern enterprise.

Lauren Sullivan Bowes is Head of Sales for Banking and Wealth at Plaid, where she leads go-to-market strategy and partnerships with banks, credit unions, and wealth firms across the U.S. and Canada. Before joining Plaid, she held sales and business development leadership roles at Box and Oracle, supporting digital transformation initiatives in financial services. Lauren brings a practical, front-line perspective on how financial institutions are leveraging technology to strengthen fraud defenses and improve customer experience. 

Digital business transformation expert passionate about deploying data & technology solutions to unlock better customer offerings and greater efficiency within Financial Services. Have shaped and led 10+ transformational programmes including 5 ‘greenfield’ digital-first FS businesses spanning Banking, Insurance, and Wealth Management. Enjoy bringing together diverse, cross-functional teams to drive innovation & impact. Recently a lot of this has focused on modernizing core financial service systems to enable greater customer-centricity: https://www.publicissapient.com/solutions/core-modernization

Stu Bradley Senior Vice President Risk, Fraud and Compliance Solutions at SAS As Senior Vice President of Risk, Fraud and Compliance Solutions at SAS, Stu Bradley leads a diverse team of 700 technology and domain experts in more than two dozen countries in the Americas, Europe, the Middle East, and Asia-Pacific. He and his team help commercial and public organizations leverage the most advanced analytic technologies in the arenas of risk management, AML/CFT compliance, financial services fraud and financial crimes, government benefits program integrity, tax compliance, and public security. Bradley’s risk management and anti-fraud career spans more than two decades. Since joining SAS in 2009, he has served in leadership roles advancing the Risk and Fraud portfolio across four main pillars: Risk Management, Industry Fraud, AML Compliance, and Public Security. He’s declared it his personal mission to help organizations implement a modern approach to stopping crime before it happens.

Katie Webb is the Chief Consumer Digital and Client Experience Officer at Synovus Bank, where she leads the retail bank’s digital transformation and client engagement strategy. With over 15 years of experience driving innovation across financial services and technology—including leadership roles at a Fortune 200 insurer and an award-winning digital accelerator—Katie is known for delivering seamless, high-tech and high-touch experiences that empower both clients and frontline bankers. Her work has earned industry recognition, including the CIO 100 Award for digital innovation, and continues to shape the future of human-centric banking.

Rohit Chauhan leads the development of Temenos’ global technology strategy, innovation, research, and development, driving co-innovation with customers and partners. He is focused on enhancing the flexibility of the Temenos platform and advancing its best-of-suite core banking and modular solutions to meet the evolving needs of financial institutions of all sizes. An accomplished technology and banking executive with more than 20 years of experience, Rohit brings deep expertise in the U.S. and U.K. financial landscape through senior leadership roles in major global banks. Before joining Temenos, Rohit was Managing Director and Global Head of Digital Channels Technology at JPMorgan, where he spent over 12 years in multiple leadership positions. He was instrumental in shaping the bank’s digital channels strategy, modernizing core platforms to become cloud-native, and delivering next-generation customer experiences across global channels—all of which drove significant revenue growth in the payments business. Prior to JPMorgan, Rohit was Executive Director at Morgan Stanley for nearly a decade, where he led the Clearing Technology group for exchange-traded derivatives.

Chris Guild serves as the Director of Lending Solutions at TruStage, where he spearheads strategic initiatives that drive growth and innovation in lending and protection services for credit unions and digital lenders. Chris possesses an impressive track record of cultivating dynamic teams, fostering result-driven partnerships, and shaping lending strategies in both emerging and established markets.

Richard Harris is VP and Head of Data & AI – Americas at Valtech, where he leads teams advancing analytics, AI, and data-driven marketing for global brands. Recognized as one of Madison Avenue’s 50 Rising Stars by Business Insider, Richard specializes in enterprise data strategy and the practical application of AI to drive business growth. Outside of work, he’s an avid traveler aiming to visit every U.S. National Park.

Chris is the Director of Solution Architecture for Advanced Network APIs at Vonage, part of Ericsson. He helps enterprises harness mobile network capabilities through Network APIs to reduce fraud, strengthen digital identity, and enhance connectivity for their customers. With over 25 years of experience in telecom solution architecture, sales engineering, and technical leadership, Chris advises organizations of all sizes on deploying secure, high-trust solutions that protect users, prevent fraud, and improve digital experiences.

Brian Buan is the Head of Banking at Yodlee, where he leads strategic relationships with the firm’s largest banking and wealth management clients. With more than two decades of experience in SaaS and financial services, Brian seamlessly brings open banking innovation and enterprise execution together. He is a trusted advisor to leading financial institutions and helps banks turn industry shifts into growth opportunities by translating complex trends into clear, actionable strategies that deliver measurable impact.

Prior to joining Yodlee, Brian spent nearly a decade as an independent consultant and held leadership roles at CashEdge and SEI, where he built and scaled high-performing teams across banking technology and fintech. He is passionate about unlocking the real value of financial data, driving partner enablement through accessible APIs, and helping institutions of all sizes thrive in the evolving open finance landscape.

Brian earned a Bachelor of Arts in economics, finance and communications at the University of Puget Sound.