Aaron Slettehaugh

Ripple Senior Vice President Product

Aaron Slettehaugh is the SVP of Product at Ripple, overseeing the company’s enterprise product suite including payments, stablecoin and custody.

With 20 years of experience as a product leader, Aaron has built and scaled products across startups and industry leading technology companies. Before Ripple, Aaron was Head of Product for Square’s Payment Platform, where he led the team that scaled infrastructure to process $1 billion in daily volume and launched key products like Terminal API. Prior to that, he spent seven years at Salesforce, shaping the platform’s product strategy.

A trained engineer, Aaron is known for solving complex challenges—whether navigating product-market fit or untangling deep technical problems. Aaron holds an MBA from Stanford University, and a BS in Mechanical Engineering from the University of Minnesota.

Alex Preece

Tilio Co-Founder & CEO

Alex Preece is the Co-Founder and CEO of Tillo, a global gift card network and API designed to simplify engagement and drive growth for brands and buyers. At the end of 2023, Alex relocated to Austin, Texas, to lead Tillo’s expansion in the U.S. market and strengthen the company’s global presence. Previously, Alex served in the British Army for six years, seeing active duty in both Bosnia and Iraq. He also founded the UK’s first daily deal business, which was later sold to Moneysupermarket.com, the world’s largest comparison website.

Having processed over $4.5 billion in gift cards to date, Tillo operates in 40 countries and across 25 currencies and is now a leading innovator in digital rewards and incentives globally.

Andrew Schmidt

KeyBanc Capital Markets Managing Director, FinTech Equity Research

Andrew Schmidt leads KeyBanc Capital Markets’ FinTech equity research franchise, analyzing the companies, platforms, and technologies shaping the future of global commerce and financial services. He joined KeyBanc in 2025 after more than a decade at Citi, where he covered FinTech, software, and payments across public and private markets.

Andrew began his career at the U.S. Department of Commerce as a software developer and later as an economist, before moving into finance as a retail equities analyst - giving him a unique perspective on the intersection of consumer behavior, technology, economics, and financial infrastructure.

He holds an M.A. in Economics from George Mason University and an MBA from the Robert H. Smith School of Business at the University of Maryland.

Angela Strange

Andreessen Horowitz (a16z) General Partner

Angela Strange is a General Partner at Andreessen Horowitz, where she focuses on AI Applications and Fintech/Insurance. Today, Angela serves on the boards of Addi, Cygnvs, hyperexponential, Jeeves, Moov, Sardine, Valon, and Vesta and more.

Angela also coined the idea that “Every Company Will Be a Fintech Company” — the now widely cited observation that companies will increasingly derive a significant portion of their revenue from financial services driven by the influx of new, transformative financial infrastructure tools.

Prior to joining Andreessen Horowitz, Angela was a product manager at Google where she launched and grew Chrome for Android and Chrome for iOS into two of Google’s most successful mobile products. She has also served as director of product management and business development at Ruba.com (acquired by Google), a senior associate partner at Bay Partners focusing on the consumer internet sector, and a consultant at Mercer Management Consulting in Toronto.

Angela helped launch and was co-chair of C100, a non-profit that bridges Canadian entrepreneurs with Silicon Valley, and on the Canadian Finance Minister Morneau’s Economic Growth Council. She earned her Mechanical Engineering degree from Queen’s University in Canada and an MBA from Stanford. Angela is also a world-class athlete, having spent two years training professionally as a runner;she has won several marathons and achieved a seventh-place national ranking in Canada.

Asya Bradley

Stripe Startup & VC Partners Lead

Currently, Startup & Venture Capital Lead at Stripe, Asya Bradley is a multi-exited Serial Founder, Super Angel Investor, LP, advisor and board director in tech startups and emerging fund managers.

With over 20 years of experience in tech (founding team @Synapse, founder @Kinly: Acquired by Killer Mike's Greenwood, Cisco alum) and a track record of supporting underestimated founders, Bradley is an experienced investor, operator, and fintech entrepreneur.

She is a world traveler, having lived and worked throughout Europe, the Middle East, Asia and now North America. Asya is also certified at the highest attainable level by the Yoga Alliance in Ashtanga Yoga and speaks multiple languages fluently including, amongst others, Dutch, Punjabi and Arabic.

Benjamin Maxim

MSU Federal Credit Union CTO

Ben Maxim joined MSU Federal Credit Union in 2007 and currently serves in a dual role as Chief Technology Officer for MSUFCU and as Chief Operating Officer for MSUFCU’s wholly-owned CUSO Reseda Group. He is responsible for assessing emerging business trends and technologies, providing strategic direction for existing and future products, services, and technologies and facilitating innovation throughout the Credit Union including leading their innovation center The Lab at MSUFCU. He is also responsible for technology, product, growth and sales at Reseda Group.

Maxim began work initially as a Web Developer and in 2014, he became E- Commerce Manager before moving into roles including Assistant Vice President of Software Development and Chief Innovation Officer. He earned a bachelor’s degree from Michigan State University and a professional certificate in Innovation & Entrepreneurship from Stanford University. Maxim was honored as Finopotamus’s 2022 Tekkie Awards Technologist of the Year, MCUL's 2024 Professional of the Year, CU Times’s 2024 Luminary Finalist - “Innovation in Tech – CTO/CIO of the Year”.

Maxim completed Filene Research Institute’s innovation leadership program, i3, in 2023. He also serves as an advisor and board member to multiple fintechs.

Billie Jo Parker

Insbank Chief Banking and Development Officer

Billie Jo Parker is Chief Banking and Development Officer at INSBANK, where she leads enterprise-wide growth and client experience strategy. With more than two decades in financial services, she has held leadership roles at Pinnacle Financial Partners, Renasant Bank, and Metropolitan Bank, where she was a founding member. She is known for building high-performing teams, expanding markets, and aligning culture with execution. Billie Jo holds an MBA and a graduate banking degree from the ABA Stonier Graduate School at the Wharton School. A past chair of the Tennessee Bankers Association’s Young Bankers Division and an inaugural recipient of the ABA Emerging Leaders Award, she is a frequent speaker on leadership, culture, and the future of client experience. Her approach emphasizes clarity, speed, and confidence—leveraging technology to streamline operations and elevate human connection in banking.

Cara Oppenheimer

Goodbuy CEO & Co-Founder

Cara Oppenheimer is the CEO and co-founder of Goodbuy, a rapidly growing fintech transforming how financial institutions connect with small businesses. With a background in brand strategy and innovation, Cara brings a fresh, community-driven perspective to the future of banking.

Goodbuy’s platform powers white-labeled “Community Marketplaces” that link local businesses with a financial institution’s customers—both online and in person—creating new pathways for deposit growth, engagement, and non-interest income.

Under Cara’s leadership, Goodbuy has been recognized as a 3x winner of national fintech competitions in 2025 and continues to gain traction with leading credit unions across the country. Passionate about the intersection of community and commerce, Cara is reimagining how financial institutions drive loyalty and growth by supporting the small businesses that anchor their communities.

Carmen Podgurschi

Wells Fargo Head of Global Payments

Carmen Podgurschi is a global payments and treasury strategy leader with deep expertise in cross-border money movement, ISO 20022 modernization, and the digitization of bank-to-bank settlement. She has led major initiatives across Fedwire, CHIPS, and SWIFT, driving structured data adoption, enrichment quality, and operational resiliency for high-value and international payment flows. Carmen specializes in bridging legacy infrastructures with next-generation solutions, including AI-driven compliance, digital identity, and emerging digital-asset settlement models.

Known for her ability to simplify complex message standards and orchestrate multi-team execution, she partners closely with engineering, operations, risk, and regulatory stakeholders to deliver scalable, compliant, and high-impact modernization programs. Carmen is passionate about elevating industry readiness for the G20 2030 cross-border targets, advancing interoperability, and reducing friction for SMB and enterprise clients.

A strong advocate for responsible innovation, Carmen focuses on pragmatic integration of agentic AI, data quality frameworks, fraud-mitigation tools, and cross-border KYC solutions. Her perspective blends hands-on technical knowledge with strategic foresight, making her a sought-after voice on the future of global payments infrastructure.

Chris Black

Thread Bank CEO

Chris serves as CEO, President and Director at Thread Bancorp, Inc. and Thread Bank. Previously, he was EVP/CFO of Franklin Financial Network and Franklin Synergy Bank, located in Franklin, TN. Before joining Franklin Financial Network and Franklin Synergy Bank, Chris served as SVP/CFO, Banking at FirstBank in Nashville, TN. Previously, he worked in the investment management and investment research industries, specializing in the banking sector while at Merrill Lynch & Co. and ISI Group, both based in New York City. Prior to working in the private sector, he served for over nine years as an Officer and pilot in the United States Air Force. He earned his Bachelor’s degree from Cornell University with a major in Engineering and his Master of Business Administration from Auburn University, with a concentration in Finance.

Chris Chazin

TD Securities Managing Director, Head of Transaction Banking Product

Chris is responsible for driving transaction banking product initiatives to deliver best-in-class capabilities for TD Bank Group’s (TDBG) corporate, commercial, and institutional clients across the Canadian Commercial Bank, U.S. Commercial Bank, and TD Securities.

Chris is accountable for product management, development and strategy, P&L management, and go-to-market efforts for all transaction banking products across TDBG, a remit that includes payments and receivables, deposits and liquidity, global trade finance, commercial card issuance, merchant services, data and analytics, and digital channels and client reporting. In this capacity, Chris collaborates closely with client-facing teams and partners across TDBG entities.

Previously, Chris served as Senior Vice President, Head of Treasury and Trade Products and Services, U.S. Commercial Banking, for TD Bank, Americas Most Convenient Bank. In that role, he led product management, technical sales, market management, and customer onboarding and servicing, for transaction banking offerings for TD’s U.S. Commercial bank small business, middle market, and large-enterprise customers.

Chris joined TD in January 2024 from Citi’s Services division (formerly Treasury and Trade Solutions), where he held multiple leaderships positions in product management and market management during a 13-year tenure. During his time at Citi, Chris launched and managed innovative solutions across payments and receivables, commercial credit cards and eCommerce merchant acquiring, and embedded finance to help clients digitize processes, increase efficiency, and improve working capital. Chris served as Citi’s representative on key industry bodies, including The Clearing House’s Real Time Payments Business Committee, Early Warning Systems advisory panels, and the U.S. Faster Payments Council. Prior to Citi, Chris spent five years at American Express in product management, marketing, and business management roles.

Chris holds a BA from Rutgers University and an MBA from Georgetown University. He resides in Brooklyn, NY with his wife and two daughters.

Chris Dorsey

Capital One Head of Partnerships for Emerging Payments and AirKey

Chris Dorsey is the Head of Partnerships for Emerging Payments and AirKey at Capital One. Chris has over 15 years of experience as a senior technology leader spanning startups, data-centric product development, business development, and strategy. He was most recently the Founder and CEO of Mymo, a financial services app that used AI and proprietary data to grant independent workers access to financial products and services. Before that, Chris was part of the founding team at OvationCXM, where he led sales, business development, and marketing. He also spent time at Palantir, helping the company enter new commercial markets, including insurance, payments, and drug discovery. In a previous life, Chris spent time in private equity with TPG and investment banking at J.P. Morgan. Chris is originally from Austin, TX and graduated from The University of Texas. He currently lives in the Bay Area with his wife and three young children who get very excited every time they see a Capital One commercial.

Christian Widhalm

Bloom Credit CEO

Christian is the CEO of Bloom Credit, a financial data infrastructure company. With his leadership, Bloom Credit provides financial institutions with strategic relationships and critical innovations such as award winning Bloom+ for consumer-permissioned data (CPD) to enable access to validated financial data and reporting in real-time.

He has spent over 15 years working within venture-backed fintech providing innovative solutions to consumers and businesses in highly regulated industries. Prior to Bloom Credit, he was most recently at LendKey Technologies, where he served as Chief Revenue Officer and was responsible for the company’s relationships with over 300 banks and credit unions.

During Christian’s time as CEO, Bloom Credit has been widely recognized for its accomplishments in transforming the credit data ecosystem by Finovate's Best of Show (2024), Tearsheet's Data Innovation Award (2024) and has been recognized by Money 2020 Banking Awards (2025), Finovate for Excellence in Financial Inclusion (2025) and the CU Times Luminaries Awards (2025).

Dave Birch

15Mb Ltd Principal

David G. W. Birch is an author, advisor and commentator on digital financial services. He is an international keynote speaker and recognised thought leader whose books on digital identity and digital money have been widely praised.

David is Principal at his advisory practice 15Mb Ltd. and Global Ambassador for Consult Hyperion, the consulting arm of Fime. A Senior Research Fellow at King’s College Business School in London, he is Non-Executive Chairman of Digiseq Ltd and holds a number of other board-level advisory roles with companies in Europe and the USA including OneID, PaymentWorks, Au10tix and KYP – Know Your Partner. His most recent journal papers cover agentic finance, payment system resilience and non-human customers.

Dennis Weiss

IPQS CEO

Dennis Weiss is the CEO and co-founder of IPQS. He is considered an expert in fraud prevention and digital risk management. Weiss founded IPQS after experiencing firsthand the challenges of battling fraud while operating a successful advertising company. During his tenure, IPQS has organically grown as a bootstrapped business into a globally leading fraud prevention company powered by sophisticated threat intelligence.

An entrepreneur at heart, Dennis also runs a distillery and a coffee roastery, giving him a unique perspective on securing businesses as both a provider and a merchant. At the helm of his career, guided by his mantra, "Don't read the book, write the book," he champions innovation, teamwork, and actionable strategies while balancing professional success with quality time with his family.

As an industry thought leader and frequent presenter, Dennis has spoken at conferences such as the Merchant Risk Council on emerging fraud trends, device fingerprinting, risk scoring, account takeover prevention, and building trust at scale. Dennis continues to regularly team up with respected fraud experts, such as Frank McKenna and Jordan Harris, to bring actionable advice to help audiences protect their businesses, drive efficiency in their risk management, and instill confidence in customers amidst rising digital complexity.

Edward Woodford

zerohash CEO & Founder

Edward Woodford is the Founder and CEO of zerohash, the leading crypto infrastructure platform trusted by industry leaders like Morgan Stanley, Stripe, Franklin Templeton, Shift4, and Interactive Brokers. Under Edward’s leadership, zerohash has been recognized for its industry leading innovation. In 2024 recognised as the 4th fastest growing company in N.America by Deloitte’s Technology Fast 500™ and as a winner by Fintech Breakthrough for Cryptocurrency Innovation. In 2023, zerohash was named the 46th fastest-growing company by Inc 5000 and 21st in Deloitte’s Technology Fast 500™, while also earning recognition as a finalist for World Changing Ideas by Fast Company. Edward himself has been honored as a 2025, Titan 100 (Chicago’s Top 100 CEOs & C-level executives) and by Goldman Sachs as one of the Most Exceptional Entrepreneurs of 2023.

Prior to zerohash, Edward successfully launched and sold a CFTC-registered derivatives execution venue to tastytrade. He holds a First Class B.A. in Philosophy, Politics, and Economics from the University of Warwick as well as a Master of Finance from MIT.

Elena Casal

The Clearing House Chief Client Officer

Elena Casal is the Chief Client Officer at The Clearing House, responsible for creating and managing the holistic experience for its customers and partners. The role is focused on promoting the company’s work to its diverse target segments, including growing the RTP® network across U.S. financial institutions, evolving the customer engagement model for all TCH payments networks, and overseeing business lines focused on payments education, compliance and advocacy.

Elena has deep experience with product and customers in the payments industry. Prior to joining The Clearing House, Elena held regional and global product management positions at FIS, Clear2Pay and Fiserv where she was focused on building products and services across the global enterprise payments landscape. She also worked at the Federal Reserve Bank within the Retail Product Office and Monetary Policy Divisions with a focus on cross-border activities and economic policy in Latin America.

Elena currently serves on the Women in Payments Advisory Board, the P20 Board as well as the Girls on the Run Board.

Elizabeth St-Onge

TD Securities Managing Director, Head of Client Innovation & Advisory

Elizabeth joined TD in November of 2023. She is currently the Head of Client Innovation & Advisory for the Transaction Banking business. This is a newly formed function with the goal of driving new product capabilities while addressing emerging client needs: connecting long-term trends with actionable insights and working with clients, partners and industry peers to build innovative solutions, with a particular focus on digital assets and AI. In this role, Elizabeth is also a key member of the firm's Digital Assets Strategy Team (DAST). Elizabeth first joined TD as the Head of Product Management for GTB where she drove and executed the strategy, roadmap, development and delivery of products and solutions for clients across all client segments, product types, and geographies. Elizabeth was a critical leader in the development and structuring of the Value Creation Plan (VCP) where she brought deep knowledge of client needs and industry best practices.

Elizabeth has over 20 years in the industry with leadership roles in corporate banking, transaction banking, and payments. She brings extensive industry expertise and experience working across the end-to-end business delivery lifecycle including: sales, product management, client service, operations, and technology. She has a 360-degree understanding of the transaction banking & payments industry having worked at a Fintech, served as a trusted advisor to Corporate Treasurers/CFOs, and led innovation and transformation at leading banks.

Prior to joining TD, Elizabeth was at Citibank where she was Managing Director and Chief Transformation, Innovation & Strategy Officer for the Treasury & Trade Solutions (TTS) Business. She worked across a 96-country footprint, across all client segments, and across all products (including payments, commercial card, liquidity, and trade finance) - leading a 60-person multi-disciplinary team working with Sales, Product Management, Technology, Operations, On-boarding, and Client Service to execute on a large-scale business transformation. In this role, she partnered with Product Management and Technology to design and deliver innovative and digital products, with a particular focus on emerging payments and digital commerce. She also ensured a highly performing business through numerous initiatives to drive speed of execution: including managing the Agile transformation team, setting up a Business Architecture function, and leading the Operational Excellence team (including a team of Lean Six-Sigma black belts).

Elizabeth also spent 10 years at Oliver Wyman where she advised senior executives focusing on treasury, capital markets, commodities, payments, financial supply chain and working capital management issues. She worked with leading institutions including Bank of America, PNC, Capital One, Wells Fargo, JPMC, Goldman Sachs, Fifth Third, HSBC, Mastercard, American Express, The World Bank, IFC, InterAmerican Development Bank. She has first-hand and intimate knowledge of banks’ payments and transaction banking products, capabilities and strategies. Prior to joining Oliver Wyman, Elizabeth spent time at Treasury Strategies where she led the Corporate Treasury Technology practice and assisted corporate CFOs andTreasurers in designing and implementing technology and banking solutions to meet key corporate objectives. She was also at the Fintech Selkirk Financial Technologies where she led product management and client delivery for payments, liquidity and working capital management software.

Elizabeth received the CertICM (Certified International Cash Management) Certification from the UK Association of Treasurers. She holds a joint honors degree in International Trade and Political Science from the University of Waterloo. Elizabeth is a frequent public speaker on wide range of topics related to innovation and best practices in Treasury Management and Wholesale Banking. She has also been published on topics related to culture & conduct as well as diversity & inclusion in the financial services industry: with appearances in the Financial Times Podcast, American Banker, Bloomberg Daybreak, Group of Thirty lead industry report, and the National Association of Corporate Directors (NACD) Blue Ribbon Commission Report.

Elizabeth is an avid reader, world traveler (having traveled to over 60 countries), and skier. She is a dual US-Canada citizen, fluent in English and French, and currently living in Chicago. She is an AFS exchange program returnee having spent one year of high school in Japan.

Erik VanBramer

Federal Reserve Senior Vice President of Customer Relations

Erik Van Bramer is the Senior Vice President and Head of Customer & Industry Relations for the Federal Reserve Financial Services. In this role, Erik oversees and sets direction for the organization with responsibility for the relationships for all financial institutions utilizing Federal Reserve Financial Services. Erik has more than 25 years in the financial services industry and has worked with financial institutions of all sizes as they partner with the Federal Reserve Bank in navigating the payments landscape. In his current role, he serves on the Senior Business Leader committee and is an active participant in numerous Federal Reserve initiatives to foster and improve the safety, security, and efficiency of payments

Esty Scheiner

Shiboleth AI Co-founder & CEO

Ginger Siegel is the North America Small and Medium Business Lead for Mastercard. She has built a needs-based, customer-centric strategy and drives solutions for partners to serve small businesses. Previously, Ginger was a leader in Deloitte’s Financial Services group and a member of its top-ranked Payments Practice, focusing on Small Business, Fintech, Bank Partnerships, and Commercial Banking.

With 30 years of leadership experience, Ginger has held executive roles at multinational and regional banks in Small Business, Business Banking, and Retail, emphasizing Strategy, Payments, Sales Enablement, Branch Optimization, and Revenue Growth. She served as National Business Banking Director at Citigroup, developed SunTrust’s Small Business branch strategy, and led Treasury Management for Business Banking at PNC.

A frequent speaker at national conferences, Ginger addresses small business, banking, and minority entrepreneurship. She has been featured by Forbes, US News, NY Times, and USA Today, and delivered podcasts and webinars for organizations like Create & Cultivate, The Latino Coalition, and PayPal. She has keynoted events for the American Banker Small Business Conference and US Hispanic Chamber of Commerce and was nominated for the Women in Payments award. Her passion lies in helping clients grow revenue, acquire customers, and create strategies that enable execution.

Eyal Lifshitz

Bluevine Founder & CEO

Eyal Lifshitz is the Co-founder and CEO of Bluevine, the largest digital banking platform for small business in the U.S. Through a single account, companies can earn more, save more, borrow, and manage their money whenever and wherever they do business – without ever stepping into a branch. Accessible through one dashboard, its product suite integrates high-yield business checking, accounts payable, invoicing, debit and credit cards, loans, and lines of credit. Since 2013, Bluevine has served over 900,000 customers, delivered over $17 billion in loans, and is currently trusted with over $1.8 billion in managed customer deposits.

As a third-generation small-business entrepreneur, Eyal is passionate about helping small businesses grow and prosper. Before Bluevine, Eyal was a principal at Greylock IL, Greylock Partners’ dedicated fund for Israel and Europe. At Greylock, Eyal was involved in investing over $100 million in start-up companies.

Earlier in his career, he was a consultant at McKinsey & Company and an engineer at Texas Instruments. He holds an MBA with high honors from the University of Chicago, where he was a Carlton Fellow.

Gary Fan

Royal Business Bank COO

Gary Fan is an Executive Officer of RBB, a publicly traded bank with over $4 billion in assets. As COO, Gary leads enterprise-wide growth initiatives, digital transformation, product and service innovation, and strategic M&A activity. He is also responsible for optimizing cross-functional operations and driving continuous business model evolution to stay ahead in a rapidly changing financial landscape.

Previously, Gary served as President of Gateway Bank FSB in Oakland, CA, where he successfully led a full-scale turnaround, overseeing all retail and commercial banking units and restoring profitability. His leadership has consistently delivered measurable results across diverse financial institutions.

Gary’s career spans senior roles at global financial organizations, including CTBC Bank, where he served as Head of Strategy for North America and Head of Consumer Lending for its U.S. subsidiary. His expertise includes fintech integration, strategic partnerships, market expansion, long-range planning, and organizational restructuring.

With P&L responsibility over multi-billion-dollar lending portfolios, Gary has led high-performing teams across Sales, Marketing, Retail and Commercial Banking, Operations, Credit Administration, Finance, IT & Security, HR, Legal, PMO, and Real Estate. His cross-industry experience includes Banking, Fintech, E-Commerce, Manufacturing, and Supply Chain & Logistics.

Gary holds a bachelor’s degree from the University of California, Berkeley, and is a graduate of the Stonier Graduate School of Banking at The Wharton School.

Genevieve Dozier

Huntington National Bank Vice President, Product & Marketing, Enterprise Payments

Genevieve Dozier has continued to excel and establish herself as a leader in various roles for over two decades in the payments industry. She is VP, Product, Enterprise Payments at Huntington Bank leading product strategy and content in the merchant services division responsible for growth, partnerships, thought leadership and commercialization. Previously she held leadership positions at Truist, Ingenico, CardConnect, Fiserv and was Chief Business Development Officer at a fintech startup. Genevieve was recently named in the top 100 most influential voices in fintech on linkedin in USA and is a multi-award winner including ETA Top Forty Under 40, Innovate Finance Women in Fintech Powerlist, NYC Fintech Women Inspiring Fintech Female, Money 20/20 Rise Up Program, PayTech Women Making Waves award and Game Changer award.

Genevieve is a frequent industry speaker and podcast guest. She is also a contributing writer to a Forbes article on How to Master Workplace Confidence in Three Steps, the book, Mega Deals that reveals strategies on B2B complex selling for $100M + deals and the ebook Inclusive Hiring: what it means and how to apply it within your organization. She also has held board of director and advisory board positions for an event organizer, a non-profit organization and a payments startup.

Georgina Merhom

SOLO CEO & Founder

Georgina is the founder of SOLO, the first collaborative data-sharing network enabling compliant customer data reuse and monetization across financial services, covering 100 million end-customer profiles within its first 100 days of launch. Georgina began her career at the G7 & G20 Information Centre, later training as a data scientist and investigative analyst in cybersecurity where she developed algorithms to detect illicit activity on the dark web, an experience that shaped her perspective on networked data integrity and transparency.

Before SOLO, she founded Zivmi, a cross-border payments and invoice-factoring platform for unbanked freelancers, later acquired by a bank. Through these experiences, Georgina recognized the structural inefficiencies in how customer data is collected, shared, and used throughout financial services. She founded SOLO to build the industry-governed architecture for customer-consented, auditable, and incentivized data exchange— a truly collaborative ecosystem where data consumers and providers can scale trust, reduce redundancy, and unlock new sources of value.

Ginger Siegel

Mastercard Head of North America Small and Mid-Market Business

Ginger Siegel is the North America Small and Medium Business Lead for Mastercard. She has built a needs-based, customer-centric strategy and drives solutions for partners to serve small businesses. Previously, Ginger was a leader in Deloitte’s Financial Services group and a member of its top-ranked Payments Practice, focusing on Small Business, Fintech, Bank Partnerships, and Commercial Banking.

With 30 years of leadership experience, Ginger has held executive roles at multinational and regional banks in Small Business, Business Banking, and Retail, emphasizing Strategy, Payments, Sales Enablement, Branch Optimization, and Revenue Growth. She served as National Business Banking Director at Citigroup, developed SunTrust’s Small Business branch strategy, and led Treasury Management for Business Banking at PNC.

A frequent speaker at national conferences, Ginger addresses small business, banking, and minority entrepreneurship. She has been featured by Forbes, US News, NY Times, and USA Today, and delivered podcasts and webinars for organizations like Create & Cultivate, The Latino Coalition, and PayPal. She has keynoted events for the American Banker Small Business Conference and US Hispanic Chamber of Commerce and was nominated for the Women in Payments award. Her passion lies in helping clients grow revenue, acquirecustomers, and create strategies that enable execution.

Herman Man

Bluevine Chief Product Officer

Herman Man is the Chief Product Officer of Bluevine, the largest SMB banking platform in the US that serves as the financial operating system for startups and small businesses. Bluevine has served over 750,000 customers, delivered over $14 billion in loans, and is currently trusted with over $1.8 billion in managed customer deposits. He oversees product strategy and execution.

Before his tenure at Bluevine, Herman was VP of Product at Xero leading product strategy and business development for the Americas. In a global capacity at Xero, he led product and engineering teams for all of Xero’s payroll and expense management products. Prior to that, he spent a decade at Microsoft as a leader and engineer for Windows and Azure.

Outside of work, Herman is an angel investor and tech/gadget enthusiast. He likes to stay active with his wife, two sons, and cockapoo. When not running around, he can be seen hunkered down in a cafe or a couch with a good book.

Jamie Twiss

Carrington Labs CEO

Jamie Twiss is an experienced banker and a data scientist who works at the intersection of data science, artificial intelligence, and consumer lending. He currently serves as the Chief Executive Officer of Carrington Labs, a leading provider of cash flow underwriting solutions and risk analytics tools to large and mid-sized banks and non-bank lenders across the US and Canada. Previously, he was the Chief Data Officer at a major Australian bank. Before that, he worked in a variety of roles across banking and financial services after beginning his career as a consultant with McKinsey & Company.

Jamie frequently speaks on topics including next-generation loan decisioning, implementing artificial intelligence in large organisations, data management and governance, and building a data and AI culture.

He holds an AB from Harvard University, an MBA from Stanford University, and a Master’s degree in data science from the University of New South Wales. He lives in Sydney, Australia.

Jason Rosen

Prism Data CEO and Co-Founder

Jason Rosen is Founder and CEO of Prism Data, the cash flow underwriting infrastructure and analytics platform powering the next generation of risk scoring. Prior to founding Prism, Jason was Co-Founder and CEO of Petal, the fintech credit card company that pioneered cash flow underwriting in order to expand access to financial opportunity. Jason served on the Consumer Advisory Board of the Consumer Financial Protection Bureau, sat on the Small Business Regulatory Enforcement Fairness Act panel for the 2024 Open Banking rulemaking, and is a member of the OCC’s Project REACh. Jason previously practiced law at Sullivan & Cromwell and Gunderson Dettmer, where he represented financial institutions, technology companies and venture capitalists. Jason holds a JD from Harvard Law School.

Jay Budzik

SVP, Director of AI/ML Model Development and Operations Fifth Third Bank

Jay Budzik is SVP, Director of AI/ML Model Development and Operations at Fifth Third Bank. Prior to Fifth Third, Jay was CTO at Zest AI, where he led the data science, engineering and product management teams that pioneered the use of AI in consumer loan underwriting, serving clients such as Freddie Mac, Citibank, Truist, Discover, and over 100 regional banks and credit unions. Jay led the development of the first AI de-biasing methods used in lending. These and other methods yield significant increases in equity for protected groups that have been needlessly held back by traditional credit scores. Prior to Zest AI, Jay founded several successful AI companies. Jay holds over 40 patents in applied AI, earned a Ph. D. in Computer Science from Northwestern University, and holds a B. S. in Computer Science with honors from The University of Chicago.

Jessica Donohue

Northern Trust Executive Vice President, Head of Product Management

Jessica T. Donohue is Executive Vice President and Head of Product Management for Asset Servicing at Northern Trust. In this role, she leads a global team of product executives delivering custody, administration, fiduciary, and data solutions for institutional clients. Her responsibilities include setting strategy and overseeing product development to ensure Northern Trust’s offerings deliver meaningful value to clients and align closely with the firm’s growth priorities.

Jessica is an industry-recognized innovator with over 25 years of experience in financial services. Prior to joining Northern Trust, she spent nearly 23 years at State Street Bank and Trust Company, where she held several senior global leadership roles. These included serving as Global Head of the Asset Owner Segment, Head of Global Investment Insights, Sustainability and Impact, Head of the Global Clients Division, Head of Performance and Analytics, and Head of State Street Associates, a research partnership with leading academics.

In her last role at State Street, Jessica was responsible for leading the firm’s sustainability and impact priorities, helping clients navigate macroeconomic forces and their own sustainability journeys. She was widely recognized as a thought leader and advisor to businesses, clients, and the industry at large.

Jessica holds a PhD in Economics from the University of Minnesota and has held teaching positions at Brandeis University and the University of Minnesota.

Joe Breeden

Deep Future Analytics LLC CEO

Dr. Joseph L. Breeden,
CEO, Deep Future Analytics LLC (Deepfutureanalytics.com)
President, Model Risk Managers’ International Assocation (MRMIA.org)
Founder & Scientific Advisor, CALM XAI, LLC (calmx.ai)

Dr. Breeden has been designing and deploying risk management systems for loan portfolios since 1995. He founded Deep Future Analytics in 2011, which focuses on portfolio and loan-level forecasting solutions for pricing, account management, stress testing, and CECL;serving banks, credit unions, and finance companies. He is also the owner of auctionforecast.com, which predicts the values of fine wines using a proprietary database with over 4.5 million auction prices.

In 2026, Dr. Breeden founded CALM XAI, LLC to create explainable and governable language models for businesses leveraging the Concept-Aligned Language Model approach. CALM is the first LLM technology that is internally interpretable and governable during generation, surpassing the limits of prompt-engineering and guardrails, while largely eliminating jailbreaking attacks.

He is a member of the board of directors of Upgrade, a San Francisco-based FinTech;an Associate Editor for the Journal of Credit Risk, the Journal of Risk Model Validation, the Journal of Risk and Financial Management and the journal AI and Ethics;and President of the Model Risk Managers’ International Association (mrmia.org).

Dr. Breeden invented vintage analytics for lending in 1997 and created credit risk models through the 1995 Mexican Peso Crisis, the 1997 Asian Economic Crisis, the 2001 Global Recession, the 2003 Hong Kong SARS Recession, the 2007-2009 US Mortgage Crisis and Global Financial Crisis, and the COVID-19 Pandemic. These crises have provided Dr. Breeden with a rare perspective on crisis management and the analytics needs of executives for strategic decision-making. In 2018 Dr. Breeden invented Multihorizon Survival modeling, combining vintage analytics with behavior scoring using logistic regression or machine learning.

Dr. Breeden earned a Ph.D. in physics, and has published over 100 academic articles, 13 patents, and 7 books, including Redesigning Credit Risk Modeling to Achieve Profit and Volatility Targets published in 2024.

John Lunn

Gr4vy CEO

John Lunn is the Founder and CEO of Gr4vy, the cloud-native payment orchestration platform built for modern enterprises. A seasoned technology and fintech entrepreneur, he brings over 25 years of experience across financial services, commerce enablement, payments, data, security, and infrastructure.
John spent six years as Director of Technology at CyberSource, the world’s first payment service provider, acquired by Visa for $2B in 2010. He later helped found Passmark Security, which was acquired by RSA Security in 2006.

In 2006, John joined PayPal as the fourth employee in the UK, where he built and led the company’s first Developer Relations organization. He was later closely involved in PayPal’s 2015 acquisition of Braintree and transitioned into the team after the deal. A year later, he helped establish PayPal Ventures, the company’s $350M venture fund, and served as a Board Observer for companies including Dosh, Arkose, Raise, Acorns, and Toss.

John Macilwaine

Highnote CEO

John MacIlwaine is the CEO and Co-Founder of Highnote, where he leads the company’s mission to power the future of embedded finance through a unified platform for card issuing, acquiring, and credit. With over two decades of leadership experience at global financial technology companies, John brings deep expertise in building and scaling innovative payments infrastructure.

Before founding Highnote, John served as General Manager of Braintree, a global payments platform powering some of the world’s most dynamic companies, including Uber, Airbnb, and Dropbox. Prior to that, he was Chief Technology Officer at LendingClub, where he helped establish the company’s technical foundation and drive product innovation during its early hypergrowth.

John is passionate about helping companies deliver differentiated, branded payment experiences that unlock new revenue, engagement, and growth.

John Pitts

Affirm Vice President for Public Policy, Public Affairs, and Social Impact

John Pitts is the Vice President of Government Relations, Public Affairs, and Social Impact at Affirm. John advocates for financial services based on consumer-first principles to deliver financial products that improve lives. He has consulted on financial services and consumer protection laws and regulations in the United States, Canada, the UK, the European Union, and Australia.

Before joining Affirm, John was Global Head of Policy at Plaid, a financial data company, where he was a leading expert on Open Banking. Prior to Plaid, John served as the Deputy Assistant Director for Intergovernmental Affairs at the Consumer Financial Protection Bureau. John started his career as an attorney with Orrick, Herrington & Sutcliffe.

Joshua Silver

Rainforest Founder & CEO

Joshua Silver is founder and CEO of Rainforest, a Payments-as-a-Service company that helps software platforms monetize payments and create robust financial experiences without onerous risk and compliance burdens.

Silver is a payments veteran and expert on credit card processing, ACH origination, remittance handling, alternative payments, payment facilitation, startup growth, and product development.

Prior, Silver founded LaunchPath Group, which advised software companies on payments strategies. Frustrated with the lack of providers that offered software platforms excellent service, reasonable pricing and fair contract terms, he launched Rainforest.

Earlier on, Silver co-founded VC-backed Patientco, which built a robust patient payments platform for health systems. It served 30 million+ patients and processed billions of dollars annually before a successful exit.

Silver is a graduate of the Georgia Institute of Technology with a BS in Computer Science and lives in Atlanta.

Justin Keene

Moveris CEO & Founder

Justin Keene, Ph.D., is the Founder and CEO of Moveris, a psychophysiology-driven security company redefining how fintech platforms verify human presence. Moveris uses proprietary cognitive and emotional signal analysis to distinguish real users from AI-generated deepfakes—protecting onboarding, payments, and identity verification workflows without adding friction.

A former professor and researcher in media psychophysiology, Justin brings a scientific foundation to the challenge of digital trust. His work bridges human cognition, emotion, and machine learning to create authentication systems that measure what makes us human—signals that AI cannot convincingly fake.

Under his leadership, Moveris has become a trusted innovation partner for financial institutions, lenders, and KYC providers seeking secure and seamless user verification. The company is part of the LendAPI FinTech Marketplace and a graduate of Draper University’s Hero Program. Justin regularly speaks on human-AI interaction, fraud prevention, and the emerging trust layer of digital finance.

Kareem Saleh

Fairplay CEO and Co-Founder

Rob Seidman is a fintech leader with over two decades of experience driving innovation across embedded finance, digital lending, and consumer payments. As Senior Vice President and Head of Avvance, Rob lead the incubation, strategy and launch of Avvance, U.S. Bank’s embedded finance platform designed to make every purchase more affordable. His work bridges the gap between traditional banking and modern fintech, delivering seamless financing experiences at the point of sale.

Rob’s fintech journey began at Health Credit Services (HCS), a startup POS lender later acquired by Ally Financial. As the Chief Product and Experience Officer, he drove strategy and new segment business development landing marquee partnerships and acquisitions that significantly expanded the company’s footprint and originations.

Rob’s career spans both high-growth startups and major financial institutions. Prior to U.S. Bank, he held senior product, strategy and partnership roles at Sezzle and Ally Lending, where he led digital transformation initiatives across healthcare, home improvement, and retail verticals. He began his career in banking with roles at J.P. Morgan Chase, Goldman Sachs, and Lehman Brothers, building a strong foundation in capital markets and client strategy.
Rob holds an MPA from Columbia University’s School of International and Public Affairs and a B.A. from the University of Maryland.

Rob is passionate about building financial products that are intuitive, inclusive, and impactful—and continues to shape the future of embedded finance through innovation and strategic leadership.

Katie Perry

CMO & Author of TICKER SHOCK (Wiley 2026) zerohash

Katie Perry is a marketer, business strategist, and advisor for tech startups, VCs, and professional services companies. She’s also a financial content creator, producing and hosting programs for platforms like Stocktwits, Morning Brew, and SoFi. Prior to starting her own marketing agency, Katie was the first head of marketing at Public.com, where she led brand and growth efforts as the platform scaled from 2019 to 2023, reaching more than 3 million members. She also served as Chief of Staff and VP of Corporate Strategy for a publicly traded digital measurement company. Her insights have been featured in The Wall Street Journal, Bloomberg, and Forbes, and she is a frequent speaker at industry and academic events. Katie is currently writing a book with Wiley, to be published in summer 2026, on how digital platforms have transformed retail investing and what it means for companies today.

Kelli Keough

SoFi EVP, Group Business Unit Leader for Spend, Invest, Protect and Save

Kelli Keough is the EVP, Group Business Unit Leader for Spend, Invest, Protect and Save at SoFi. Prior to SoFi, Kelli was the Head of Online Investing and Head of Product for Wealth Management at J.P. Morgan Chase where she led the launches of J.P. Morgan’s U.S. and international digital investing and private banking platforms and their self-directed brokerage business and automated investing platform. Prior to J.P. Morgan Chase, Kelli served as SVP at Charles Schwab, where she led the business and client experience, digital platforms and education for Schwab’s active trading, self-directed and global trading clients. Kelli was a professor of Psychology at the University of Texas at Austin before starting her 25-year career in financial services. Kelli holds a BA in Psychology from Yale University, and a MA and PHD in Social Psychology from Stanford University. She also holds FINRA Series 7, 24, 99 and 63 licenses and serves as Board Director of Commonwealth, a nonprofit focused on improving financial wellness and opportunities for underrepresented groups.

Ken Kruszka

Something FINteresting Managing Director

Ken is a FinTech and Payments pioneer, who holds the distinction of being the first person to send $1 around the world by mobile transfer. In his career, Ken has launched: the first mobile remittances service in the US, the first global mobile bank account, the first neobank for immigrants in the US, and the first decoupled business payments smart switch.

Ken currently leads Something FINteresting, a consultancy supporting FinTech companies as an advisor, board member, or Fractional Chief Product/Operating Officer. Prior to this, Ken led product and strategy at leading brands including Trustly (Head of Merchant Product) and Amazon (Head of Product, AWS Payments). Earlier in his career, Ken co-founded and exited 3 fintech companies: SnapCheck, which revolutioned business-to-business payments by eliminating paper checks;Boom Financial, the first neobank for immigrants communities spanning US and LatAm;m-Via, an industry-recognized leader in mobile financial services and mobile remittances.

Ken is a Founding Member of the Faster Payments Council, as well as a member of the Federal Reserve’s Business Payments Coalition and the FedNow Community. Ken has been named a Top Innovator to Watch by Bank Innovation, a Top FinTech Innovator by Aspioneer, a Top 25 FinTech CEO by Technology Innovators, a Top CEO in Mobile Payments by Boardroom Media, and a Leading Corporate Digital Transformation Innovator by Databird.

Kevin Moss

Kevin Moss Consulting LLC President

Kevin Moss is an industry practitioner, board member and advisor in credit, fraud and banking. Kevin was SoFi's Chief Risk Officer and was previously Executive Vice President and Chief Risk Officer responsible for managing Credit, Compliance, and Operating Risk for the Wells Fargo Consumer Lending Group, before he retired in April 2015. Moss joined Wells Fargo in 1998 and brings over 40 years of banking and financial services experience to his current role as a Board member and Advisor in the Lending and Payments space. Prior to being appointed CRO, he was the business manager for the National Home Equity Group.  Kevin was also Chief Credit officer for the Home and Consumer Finance Group, in addition to leading the Consumer Risk Management team, helping Wells Fargo manage the credit and fraud risk in the organization’s Card Services and Deposit/Debit businesses. Kevin is currently an independent director for both public and private firms in the financial services and payments area.

A former college professor, Kevin also participates as an advisor for companies that provide risk management and lending/payment solutions in the financial services industry. He has a Bachelors Degree in Applied Statistics from George Washington University and a Masters of Science from NYU Graduate School of Business in Quantitaitve Analysis.

Kim Gerhardt

The Fintech Interactive Owner and Principal Advisor

Kim Gerhardt is the Founder of The FinTech Interactive, a growth advisory firm at the intersection of traditional banking, credit unions, and fintech. With 30 years of experience in consulting and financial services, she drives innovation that expands access to fair financial services for consumers and small businesses. Kim advises mission driven fintechs advancing risk innovation and financial inclusion, while guiding banks and credit unions in adopting emerging technology responsibly. A frequent conference panelist and moderator, she is committed to fostering dialogue, building partnerships, and accelerating responsible innovation across the financial services ecosystem.

Kyle Hauptman

NCUA Chairman

Kyle Hauptman has served as the Chairman of the National Credit Union Administration (NCUA) since January 2025 after being designated by the President. Prior, Kyle served as the Vice Chairman of the NCUA since December 2020. Before joining the NCUA Board, Kyle served as Senator Tom Cotton’s advisor on economic policy, as well as Staff Director of the Senate Banking Committee’s Subcommittee on Economic Policy. Kyle was Senior Vice President at Jefferies & Co and worked as a bond trader at Lehman Brothers in NYC, Tokyo, and Sydney. He also served as a member of the SEC’s Advisory Committee on Small and Emerging Companies. Kyle served on President Trump’s transition team in 2016 and was Senator Mitt Romney’s policy advisor for financial services during the 2012 presidential campaign. Kyle holds an MBA from Columbia Business School and a bachelor’s degree from UCLA.

Leah Price

Better Vice President, Tinman AI Platform

Leah Price is Vice President of the Tinman® AI Platform at Better.com, the leading AI-powered home finance company. Leah leads the commercialization of Tinman® to offer Better’s proprietary technology platform and software to lenders across the country. Tinman® is an AI-driven rules-based decision engine that enables lenders and brokers to automate underwriting decisions and cut cycle times by 75%, accelerate efficiency by reducing fulfillment costs up to 45%, and manage up to 10 times as much volume so they can serve their own customers better. Previously leading the Office of Fintech and the Office of the Chief AI Officer at the Federal Housing Finance Agency, and serving in senior roles at Figure and Fannie Mae, Leah leverages a wealth of expertise across technology and regulation as the head of Tinman®.

Maik Taro Wehmeyer

Taktile Co-Founder & CEO

Prashant, CEO of Fundbox, is a seasoned product and technology executive with over two decades of leadership experience across high-growth startups and global technology giants.

As an early member of Google's product team, Prashant helped build Google AdWords, established Google’s first global payment network, and led all product initiatives across APAC. He then went on to become an early product leader at Facebook, where he spearheaded monetization products encompassing both advertising and commerce. Beyond Google and Facebook, Prashant led engineering and product at Flurry, the largest mobile analytics platform of its era, and held an SVP position overseeing the advertising and data group at Yahoo.

Prashant actively shares his expertise as an in-demand lecturer at the business schools at Stanford, UC Berkeley, Columbia, and Cornell. His academic background includes a PhD and MA in Business, a PhD Minor in Operations Research, and an MS in Statistics, all from Stanford University. He also holds a BTech from the Indian Institute of Technology (Delhi), where he was the President’s Gold Medalist.

Mary Wisniewski

Cornerstone Advisors Editor-at-large

Mary Wisniewski has covered fintech and digital banking for more than 12 years. Her bylines have appeared in GonzoBanker, American Banker, Bankrate, the Associated Press and more.

She is an editor-at-large at Cornerstone Advisors where she helps shape content strategy and hosts Money isn’t Everything, a podcast that explores early-stage fintech and banking ideas. She also writes a monthly editor’s note, Finteching with Mary, on LinkedIn.

Mary is a frequent speaker at a variety of leading digital banking events and guest on money-related podcasts, including: the Money Experience Summit, Finovate, Fintech Meetup, Breaking Banks, NPR’s The Indicator from Planet Money and more.

In addition to her banking reporting, she has served as a fashion editor for National Jeweler, where she reported on fashion shows and jewelry news. She has also penned personal essays for the L.A. Times.

Mary grew up in the Michigan suburbs and now lives in Los Angeles with a maltipoo, a record player and roller skates. Banking had her at “we’re in an existential crisis."

Melissa Pancoast

The Beans Founder & CEO

Melissa is the Founder and CEO of The Beans, the trusted Financial OS for Caring Professionals. By automating financial workflows and addressing the leading cause of employee stress - money - The Beans empowers organizations and their workforce. With a background as a VC in artificial intelligence, researcher at the University of Oxford, and former elementary math teacher Melissa brings a unique perspective to her role. She led the development of the Economic Strengthening Program which has been rolled out by the UN, WHO, and CDC to reduce the financial stress of 300 million people globally. She is also an angel investor and advisor, passionate about supporting diverse entrepreneurs. Melissa holds an MSc in Evidence-Based Social Intervention from the University of Oxford and a BS in Political Science from Stetson University. A former competitive rower and coach, she cherishes any opportunity to be in, on, or near the water.

Michelle Beyo

Finavator CEO

Michelle Beyo is the CEO and Founder of Finavator, an award-winning payments and future of finance consultancy. With 20+ years of expertise across payments, loyalty, telco, digital identity, and open data. She is a globally recognized thought leader who has spoken on stages worldwide including TEDx, Fintech Meet Up and Money20/20 as RiseUp Alumni & Mentor. Michelle serves as President and Board Member of Open Finance Network Canada (OFNC), and is an Executive Advisor to Wellesley Hills Financial LLC, a Boston investment bank. She is also the creator of podcast "Step into the Future of Finance" and instructor of Finavator's Future of Finance MasterClass (https://www.finavatorfuturefinancemasterclass.com/).

Her recent recognition includes Top 5 PowerList Open Banking Expo (2025), Top 50 Women Leaders of Toronto (2023), WXN CEDI Award Winner (2022) and Women in Fintech Global Power List (2021)

Mike Butler

Grasshopper Bank CEO / President

Mike Butler is an innovative leader in the financial services industry with a unique perspective on delivering superior customer service, innovative products, and cutting-edge technology to clients. He joined Grasshopper as CEO in 2021 and has expanded the digital bank's vision of supporting the business and innovation economy. Prior to Grasshopper, Mike served as President and CEO of Radius Bank for over 13 years, turning a once-traditional bank into one of the most tech-forward banks in the country that was eventually acquired by LendingClub. Before Radius, Mike held various executive roles at KeyCorp. He is a graduate of Providence College and the ABA's Stonier Graduate School of Banking.

Misha Esipov

Nova Credit CEO and Co-Founder

Misha Esipov is the co-founder and CEO of Nova Credit, a leading credit infrastructure and analytics company helping lending institutions to grow responsibly by streamlining onboarding, verification, and underwriting processes of credit data. The company’s differentiated data sources and proprietary analytics are used by leading organizations like HSBC, SoFi, and Yardi. Nova Credit is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, and Canapi as well as executives from Goldman Sachs, JPMorgan, and Citi.Before founding Nova Credit, Misha was a private equity investor at Apollo Global Management, a $232 billion global alternative asset manager. Misha started his career at Goldman Sachs, where he helped execute more than $10 billion in corporate financing, mergers, and acquisitions. Misha holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business.

Molly Poppie

Experian Chief Product and Analytics Officer

Molly Poppie is a distinguished analytics executive and innovator in financial services, media measurement, and consumer behavior research. She currently serves as the Chief Product and Analytics Officer for the North America Financial Services and Data division at Experian, where she leads the division’s product and analytics strategy.

Throughout her career, Molly has been a driving force in product innovation and data science, consistently transforming products and delivering measurable business results across financial services, media, and retail sectors. During her tenure at Nielsen, she became the most prolific woman inventor in the company’s history, holding 51 patents related to media measurement innovations, with many more pending. Her work has had a lasting impact on industry standards in audience measurement and advertising technology.

Beyond her technical accomplishments, Molly is a passionate advocate for women in leadership. She co-founded Chief, a network dedicated to empowering women executives, and has mentored women in media and data science for over a decade. She has also served as an executive sponsor for initiatives focused on community engagement and sustainability.

Pankaj Kulshreshtha

CEO & Founder Scienaptic

Pankaj has over 30 years of analytics, risk management, and financial services experience. He served as the Chief Risk Officer for consumer businesses at GE Money UK. Back in the day when data analytics was still a bleeding-edge problem, he was one of the first few people that started the Analytics CoE for GE in 1998. That section of the business grew to become the world’s largest analytics CoE under his leadership, generating over $240 Million of annual revenues.

Pankaj has been a regular speaker at various global events on innovations shaping the risk and fintech landscape. He founded Scienaptic in 2014, based on these very innovations. Through innovative AI tools, Scienaptic is tackling the problem of credit expansion across the globe. More than 150 financial institutions across banks, credit unions, fintech, and other lenders use its platform to constantly improve the quality of underwriting and customer lifecycle decisions. This enables them to say ‘yes’ to borrowers more often and faster.

Phil Goldfeder

American Fintech Council CEO

With nearly two decades of experience at the intersection of the public and private sectors, Phil Goldfeder currently serves as Chief Executive Officer of the American Fintech Council (AFC), a leading industry association representing responsible financial technology (fintech) companies creating critical access to safe and affordable financial services. AFC, comprised of the nation’s largest fintech companies, fosters innovative, transparent, and responsible products that promote competition, consumer protection, and financial health, inclusion, and equity. AFC is committed to robust industry standards, with a focus on consumer protection and regulatory compliance, in addition to advocating for and embracing appropriate government regulation.
Before joining AFC, Goldfeder served as Senior Vice President of Global Public Affairs at Cross River, a financial institution and technology infrastructure provider that offers embedded financial solutions. In this role, Goldfeder founded the Online Lending Policy Institute (OLPI) and has been a leader in shaping the new financial services landscape since early 2015. At the onset of the COVID-19 pandemic and the passage of the CARES Act in March 2020, Goldfeder helped lead the Cross River team to mobilize internally and offer a streamlined and automated system to provide more than $12 billion in PPP funding to the most vulnerable small businesses in every state, as well as additional short-term relief efforts to communities in the company’s footprint and beyond.

He previously served as an elected member of the New York State Assembly representing diverse neighborhoods of Queens, N.Y. After most of his district was devastated during Superstorm Sandy, Goldfeder lead recovery efforts with a specific focus on partnering with the banking and insurance industry to help rebuild his community and reform outdated policies. He was the author of transformative banking and insurance modernization legislation and was also a key legislative leader on a diverse array of issues. Prior to his election, he served as a senior advisor to Senate Majority Leader Chuck Schumer (D-NY) and New York City Mayor Michael Bloomberg.

Phil’s career in public service and expertise in leadership, crisis management, as well as his ability to enact positive change and develop deep relationships with diverse leaders on both the local and national levels, has put him at the forefront of innovation across banking and technology industries. He is an active industry leader as he engages policy makers and regulators, provides thought-leadership, and is frequently invited to speak on panels, roundtables, and conferences globally on banking, technology, financial literacy, and the new financial services landscape.

Rajiv Yadlapalli

J.P. Morgan Head of Partnerships and Industry Solution Lead, Embedded Payments

Rajiv Yadlapalli is the Head of Partnerships and Industry Solutions Lead for J.P. Morgan Embedded Payments, where he drives business development opportunities for corporate clients and the software ecosystem that supports them. With over a decade of experience at J.P. Morgan, Rajiv has held diverse roles in strategy, product development, and structuring across custody, prime brokerage, derivatives clearing, corporate treasury, and cash management.

An engineer at heart, Rajiv applies advanced mathematics and operations research to financial innovation. He is a CFA Charterholder and holds a patent (#8738514) for his work in the field.

Outside of work, Rajiv balances the busy schedules of his three young daughters and enjoys hosting friends for low-and-slow BBQs and metal-inspired jam sessions.

Rich Franks

President Grizzly Peak Strategy LLC

Rich is President of Grizzly Peak Strategy LLC, a fintech advisory consulting firm through which he leverages more than 21 years of experience in the industry to help fintechs and financial institutions build great products and maximize returns through excellence in credit, marketing, strategy, analytics, and product execution.

Prior to founding Grizzly Peak Strategy, Rich served as Head of Credit Strategy at PayPal, where he led credit card, business lending, and buy-now-pay-later strategy. Before that, he spent nearly five years at Credit Karma, where he built and scaled Lightbox, a first-of-its-kind consumer lending marketing platform connecting banks directly with Credit Karma’s member base.

Rich has also held C-level roles at fintech startups Amount and FS Card, and led credit cards risk at the Commonwealth Bank of Australia. He started his career at Capital One, where he spent more than a decade in senior data science and credit leadership roles across cards, mortgages, home equity, and small business banking.

Rich holds a Bachelor of Science in Industrial Engineering from the Georgia Institute of Technology and a Master of Business Administration from the Wharton School of the University of Pennsylvania.

Richa Awasthi

US Bank SVP, Digital & AI, Zelle Payments

Richa Awasthi is a seasoned business executive with more than two decades of leadership experience in banking, payments, and digital innovation. She currently serves as Senior Vice President at U.S. Bank, overseeing digital money movement through Zelle. Her career includes senior roles at Wells Fargo, Visa, and Charles Schwab, where she successfully launched and scaled innovative financial products that drove revenue growth while enhancing the customer experience.
In addition to her business career, Richa made history as the first female Indian American Mayor in San Mateo County, serving as both Mayor and Councilmember of Foster City, California. She continues her public service as a board member of HIP Housing, advancing solutions to the affordable housing crisis in San Mateo County.

Richa holds an MBA in Marketing and Finance, a Bachelor of Science, and executive education in high-impact leadership from UC Berkeley’s Haas School of Business.

Richard Wada

Patelco Chief Lending Officer

Richard Wada is the Chief Lending Officer at Patelco, the country’s 27th largest credit union with $9.7 billion in assets and over 500,000 members located in Northern California. In his role he is responsible for managing the growth of the consumer and commercial loan businesses. Prior to joining Patelco in 2018, he held executive roles within Citibank’s global and North American retail banking businesses including Global Head of Personal Lending and Head of U.S. Retail Consumer Lending. Previously he had various product management and marketing roles at American Express and the advertising agency, Saatchi & Saatchi.

Richard received his undergraduate degree from Williams College and his MBA from Columbia Business School.

Rob Seidman

US Bank Head of US Bank Avvance

Rob Seidman is a fintech leader with over two decades of experience driving innovation across embedded finance, digital lending, and consumer payments. As Senior Vice President and Head of Avvance, Rob lead the incubation, strategy and launch of Avvance, U.S. Bank’s embedded finance platform designed to make every purchase more affordable. His work bridges the gap between traditional banking and modern fintech, delivering seamless financing experiences at the point of sale.

Rob’s fintech journey began at Health Credit Services (HCS), a startup POS lender later acquired by Ally Financial. As the Chief Product and Experience Officer, he drove strategy and new segment business development landing marquee partnerships and acquisitions that significantly expanded the company’s footprint and originations.

Rob’s career spans both high-growth startups and major financial institutions. Prior to U.S. Bank, he held senior product, strategy and partnership roles at Sezzle and Ally Lending, where he led digital transformation initiatives across healthcare, home improvement, and retail verticals. He began his career in banking with roles at J.P. Morgan Chase, Goldman Sachs, and Lehman Brothers, building a strong foundation in capital markets and client strategy.
Rob holds an MPA from Columbia University’s School of International and Public Affairs and a B.A. from the University of Maryland.

Rob is passionate about building financial products that are intuitive, inclusive, and impactful—and continues to shape the future of embedded finance through innovation and strategic leadership.

Rom Mascetti

Flagship Advisory Partners Principal

Romano (Rom) Mascetti, Principal, has 12 years of experience in banking and financial services, including over 9 years in strategy consulting and M&A advisory. Rom has led or supported over 100 engagements across the payments and fintech ecosystem, advising payment service providers, SaaS platforms, financial institutions, enterprise merchants/corporates, and private equity firms across North America and Europe. His expertise spans growth strategy, product development, buy-side support, capital raising advisory, strategic partnership formation, performance benchmarking, and market research across C2B, B2B, and B2C money movement. Rom is a trusted advisor bringing deep subject matter expertise and actionable insights in merchant payment acceptance, software-embedded payments, corporate spending and B2B payments, and payments orchestration, among other domains.

Ryan Christiansen

University of Utah Executive Director – Fintech Center

Ryan Christiansen is the Senior Director of the University of Utah Fintech Center, overseeing research labs, a venture fund, a startup incubator, and experiential student programs that accelerate fintech innovation and workforce development.
Before academia, Ryan served as Senior Vice President of Data Access Partnerships at Mastercard following the company’s $985 million acquisition of Finicity. As a member of Finicity’s senior leadership team, he helped transform the startup into a market leading data access platform and continued to guide global open banking strategy at Mastercard—negotiating landmark agreements with major financial institutions and advancing tokenized, consumer permissioned data exchange.
Ryan is a founding architect of the Financial Data Exchange (FDX), where he co chairs the Certification Working Group and helps define the international standards that underpin open banking services adopted by more than 100 million consumers. He also co chairs the Utah Governor’s Fintech Council, advising state leaders on policy that fosters responsible innovation.

Prior to joining Finicity, Ryan spent 20+ years as senior executive at national banks, giving him a unique perspective that bridges traditional finance, fintech disruption, and public policy.

Samant Nagpal

Gusto Head of Payments & Risk

Samant Nagpal is the Head of Payments and Risk at Gusto, leading teams that build payments solutions designed for the needs of small and mid-sized businesses. These solutions help SMBs run payroll faster, unlocking cash flow for their growth and survival, while providing peace of mind around compliance.

Prior to joining Gusto, Samant spent five years at Square as General Manager and Chief Risk Officer. He has also served in leadership positions at Amazon and America Express, leading teams for business payment products and risk management.

Samant is a customer-first leader who believes that risk, revenue and customer experience are a balancing act that when done successfully drives long term profitable growth.

Sarah Biller

Fintech Sandbox Co-founder

Sarah Biller is an Entrepreneur, Investor, and Educator in the FinTech sector. She is the co-founder of FinTech Sandbox, a Boston-based nonprofit that accelerates the product development cycle of FinTech start-ups globally by providing free access to high quality, diverse datasets, and on the founding team for the Mass Fintech Hub. She also sits on the Advisory Council for the $100 million grand challenge program funded by the Commonwealth of Massachusetts to make it a national leader in AI.

FinTech Sandbox provides early-stage startups with free access to critical data and resources, accelerating product development. Today, FinTech Sandbox works with Fintech Founders across 5 continents and 20 countries, partners with over 40 leading data providers, and boasts a strong roster of leading Financial Services firms as sponsors. To date, it has supported more than 370 startups worldwide who collectively have raised more than $2 billion.

She co-founded Capital Market Exchange (CMX), an early predictive analytics platform for bond investors, leveraging NLP, Bayesian techniques, and AI/ML to assess nonfinancial factors affecting credit spreads. Its AI-driven models are used by leading asset managers, investment banks, and hedge funds globally.

Scott Sanborn

LendingClub CEO

Appointed LendingClub CEO in 2016, Scott is reimagining what a bank can be by building LendingClub's business model around a simple belief: when our members win, we win. Since 2007, LendingClub has helped millions of Americans keep more of what they earn and earn more on what they save.

Scott joined LendingClub in 2010 and has been a driving force in the management and development of the organization. With executive roles as Chief Marketing Officer, Chief Operations Officer, and President, he helped steer the company through a prolonged period of triple-digit growth running up to its 2014 IPO, the largest U.S. tech IPO that year, and acquisition of Radius Bank in 2021. Prior to LendingClub, Scott held leadership positions as the Chief Revenue Officer for publicly traded eHealth Insurance, President of RedEnvelope, Inc., and SVP at the Home Shopping Network.

He holds a BA from Tufts University

Shawn Budde

Ensemblex General Partner

I am the Co-founder and General Partner at Ensemblex. Ensemblex has grown to help lenders and fintechs across five continents start, scale, and adapt their businesses through expertise across the credit lifecycle. I bring four decades of lending experience across nearly every product and credit segment. At Capital One, I grew the Sub-Prime credit card business to $1B in after-tax profit, reduced cycle time for direct mail campaigns, and grew the recoveries business from breakeven to $35M profit. I later served as Capital One’s first Chief Customer Officer, where I increased net promoter scores by eight points in a single year. I co-founded Zest.AI, the first companies to apply AI underwriting to consumer finance, and served as CEO of 2Checkout, an international payments business. At Ensemblex, I co-founded two other fintechs - Coign and Gestalt. I have a BA from Columbia University and an MBA from The Wharton School.

Sibongile Ngako

Brex Chief Compliance Officer

Sibongile Ngako is a senior compliance and risk executive with more than 20 years of experience helping fintech and financial-services companies scale responsibly in highly regulated environments.

She currently serves as SVP & Chief Compliance Officer at Brex, where she leads global compliance strategy, financial-crimes programs, regulatory engagement, and governance across a complex, multi-bank ecosystem. Her work sits at the intersection of compliance, product, engineering, and AI—translating regulatory expectations into practical, business-enabling systems.

In addition to her executive role, Sibongile advises founders, executive teams, and boards on regulatory and bank-partner readiness, enterprise risk management, AI governance, and scaling compliance in high-growth environments. She is frequently called upon to support crisis response, remediation efforts, and regulator engagement.

Previously, she held senior leadership roles at Affirm and American Express and began her career in financial supervision and risk at the Federal Reserve and Fannie Mae.

Grounded in a pragmatic, systems-oriented approach, Sibongile is known for helping leadership teams navigate complex, high-stakes decisions with clarity, partnership, and trust. Outside of fintech, she is a classically trained soprano and arts advocate, bringing a culture- and stakeholder-centric lens to governance and risk leadership.

Steve Boms

Financial Data and Technology Association – North America Executive Director

Steve Boms, Executive Director of FDATA, has two decades of experience working inside government, public and private companies, trade organizations, and the technology industry. He assists organizations as they engage with policymakers in Washington, across the country, and around the world. Steve has spent his career focused on complex financial services public policy issues, having worked in the United States Congress on the committee with jurisdiction over banking. He has led global advocacy efforts and public policy teams for equity options exchanges, large U.S.-based financial institutions, and leading fintech firms. A recognized expert on the intersection of financial technology and public policy, Steve has testified before the United States Senate, the Senate of Canada, and the Organisation for Economic Cooperation and Development on financial services and technology. He is also a frequent panelist and media commentator on technology, financial services, and regulatory issues.

Sumeet Bhalla

PenFed Credit Union SVP, Chief Lending Officer

Digital banking executive responsible for managing Consumer Banking P&L, Product Growth & Strategy, Digital Banking, and Consumer Banking Operations.

- Responsible for growing Consumer Lending by more than 300% in less than 2-years
- Developed a team of data scientist from ground up responsible for developing advanced machine learning models used for credit underwriting, fraud management, and data driven marketing
- Responsible for digital transforming of the lending business increasing automation to 90%+ and credit decision to less than 45 seconds
- Manage all aspects of Consumer Banking operations including credit underwriting/processing/funding, and loan servicing
- Regularly invited to speak at conferences on Digital Banking, Consumer Lending, and Product Strategy

Theodora Lau

Founder and Book Author Unconventional Ventures

Theodora Lau is the founder of Unconventional Ventures, a public speaker, and an advisor. She is the author of Banking on (Artificial) Intelligence (2025), the co-author of The Metaverse Economy (2023) and Beyond Good (2021), and host of One Vision, a podcast on fintech and innovation. Her monthly column on FinTech Futures explores the intersection of financial services, tech, and humanity. She is named one of American Banker’s Most Influential Women in FinTech in 2023. She is a contributor and commentator for top industry events and publications, including Finovate, American Banker, BBC News, Fintech Times, and The Power 50. Her work has also been published by the Journal of Digital Banking, The Banker, Forbes Technology Councils, MIT Tech Review, and Harvard Business Review.

Tiffany Haynes

Illumea Advisory Founder

Tiffany Haynes is a fintech operator, investor, and board advisor recognized for leading organizations through complex transformation and disciplined growth. With more than two decades of experience across financial technology, operations, and human capital strategy, she brings a rare combination of operational rigor and people-centered leadership to every boardroom.

As Chief Operating Officer of Fingercheck, Tiffany helped scale the company from $10M to $24M ARR and led a $150M private equity exit. She built the systems, financial discipline, and go-to-market foundation that transformed a founder-led fintech into a high-performing, growth-ready enterprise. Before Fingercheck, Tiffany spent 20 years at Jack Henry (NASDAQ: JKHY), where she rose through multiple executive roles—including Chief People Officer and Vice President of Consumer-Facing Experiences. There, she oversaw P&L responsibility across 125+ financial brands representing $425B in assets and led large-scale initiatives in digital experience, culture transformation, and technology modernization.

Today, Tiffany serves on multiple boards and advisory councils across the fintech ecosystem, partnering with founders, investors, and growth-stage companies to strengthen governance and accelerate market expansion. Her current advisory portfolio includes Rippleshot (AI-driven fraud detection), Chisel (composable payments and banking infrastructure), Coinbax (institutional stablecoin payments), and Baleon Capital (fintech venture fund). She also co-founded Oakwood Academy, a K–12 private school integrating leadership, faith, and STEM learning.

A graduate of Missouri State University with an MBA and Leadership Certificate from the University of Texas McCombs School of Business, Tiffany is also PMP, Scrum Master, and SPHR certified. She is a Money20/20 RiseUp recipient and has been featured in The Financial Revolutionist for her thought leadership on bootstrapped fintech and disciplined growth.

Tiffany hosts Between Builds, a podcast and Substack exploring leadership, transformation, and the spaces between building what’s next. She brings to every board an operator’s mindset, a founder’s empathy, and a deep belief that sustainable success starts with clarity, integrity, and the courage to evolve.

Tom Poole

Capital One SVP, Digital Payments

Tom Poole leads Capital One’s Emerging Payments and AirKey teams. Emerging Payments focuses on how Capital One navigates new opportunities and challenges in the payments landscape. The team’s work has included integrating with third party wallets, developing capabilities like virtual card numbers, cleansing transaction data to power features such as charge blocking and intelligent alerts, and launching partnerships that make ecommerce more convenient for customers, including the recent integration with Google Chrome autofill. These investments position Capital One to compete on key customer themes of convenience, clarity, and control.

Tom oversees AirKey, Capital One's patented, one-tap authentication technology for credit and debit cards. AirKey technology enables customers to activate their card and approve high-risk transactions. This team is also responsible for making AirKey available to other financial institutions looking to prevent fraud.

Tom has been with Capital One for more than 26 years. His experience includes roles across the US Card business in areas ranging from Subprime credit policy to Upmarket customer management to leading a small line of business called Lifestyles. He moved into Emerging Payments in 2010 where, before his current role, he helped launch the mobile app, built digital tracking capabilities, and led consumer identity services.

Tom Simpson

HSBC Global Head of Currency Clearing & North America Regional Head of Cross Border Payments

Tom leads product strategy and execution globally for HSBC’s currency clearing products within Global Payments Solutions, as well as North America’s cross border payments proposition. He is based in New York.

Prior to joining HSBC, Tom led a firm-wide transformation initiative at Morgan Stanley and spent over 10 years at Citibank in a variety of product management and sales roles, covering domestic and cross border payments, transactional FX products, CLS settlement services and liquidity management.

He has over 15 years’ experience in providing tailored treasury solutions to corporate and institutional clients. He specializes in payments product management, product development and the client experience for financial institutions and large corporates. Tom advocates for clients and the institutions he has worked for at payments infrastructure risk and business committees, market practice groups, and industry forums.

Originally from Sydney, Australia, Tom lives in Manhattan with his husband Sam and their dog Margie.

Tomás Campos

CEO & Co-founder Spinwheel

Tomás Campos is the co-founder and CEO of Spinwheel, tSpinwheel, a real-time consumer credit data and payments agentic AI-powered company, is revolutionizing the consumer credit ecosystem. Spinwheel services more than 15 million users and 165 million accounts, facilitating $1.5 trillion in connected debt across its network. A three-time founder, Tomás is a noteworthy entrepreneur, executive, inventor, and operator across payments, data, retail, consumer, and Saas industries. Prior to Spinwheel, Tomás founded and sold his previous company to Westfield Inc. where he then served as the SVP of product. He also grew the digital payments division of Blackhawk Network Inc. to a $1.5 billion business and independent reporting segment as the global general manager.

Tony Hayes

Banking & Payments Group Founder

Tony Hayes is the Founding Partner of Banking & Payments Group. The firm provides best-in-class actionable advice to senior executives in the banking and payment industries, bringing unmatched expertise and dedication to its clients.

Before forming Banking & Payments Group in 2023, Tony was a Senior Partner and Global Lead for Payments at Oliver Wyman. Tony and the practice served a wide range of clients across the full payments ecosystem and in every major region. Additionally, he was the co-head of the Retail & Business Banking practice in the Americas. Prior to joining Oliver Wyman in 2007, Tony was a Managing Director with Dove Consulting where he led the firm’s Financial Services practice.

Tony is a recognized expert on consumer and small business payments. He has led in-depth work in every payment system, and with clients spanning issuers, ATM deployers, networks, merchant acquirers, mobile network operators, central banks and private equity investors.

Beyond his client work, Tony has led several industry studies, including an annual payment benchmarking study. Additionally, Tony has served as an expert witness in various high-stakes lawsuits.

Tony graduated with First Class Honors from Oxford University and was in the economics PhD program at Harvard University

Wendy Cai-Lee

Piermont Bank Founder & CEO

Wendy Cai-Lee is the Founder and CEO of Piermont Bank, a fully chartered digital commercial bank, and the first multi-racial MDI (Minority Depository Institution) in the United States. The bank is the engine behind many successful fintechs as well as entrepreneur-led businesses in many leading industry sectors. With 30 years of banking and investment experience managing and leading Fortune 500 companies and startups, Wendy is a subject matter expert in fintech, international finance and banking.

Under Wendy’s leadership, Piermont Bank was the first multiracial Minority Depository Institution (MDI) in the United States and the only one with a female CEO, female Board Chair, and 78 percent female Board of Directors. Today, Piermont Bank is one of only four multiracial MDIs in the U.S. Additionally, more than 50 percent of Piermont Bank's loans are extended to businesses located in low to mid-level-income communities and women and minority-owned businesses.

Prior to building Piermont Bank, she was an Executive Vice President at East West Bank, responsible for its Commercial and Consumer Businesses in the U.S. Prior to East West, Wendy was a Managing Director at Deloitte LLP, where she managed its U.S./China cross-border M&A business. She started her banking career with JP Morgan Chase and held various management positions at both Chase and Citi. Wendy is named to Inc.'s 2024 Female Founders 250 and was an honoree of The Most Powerful Women in Banking to Watch by American Banker in 2025, 2024 and 2023.

Speakers

2026 Speaker lineup

Agenda Name, Sessions

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