Events

Kevin Barr is Head of Strategy and Digital Cash for BNY Mellon’s Treasury Services business. In this role, Kevin is responsible for developing and executing against Treasury Services’ overall business strategy and business development in the digital cash space. Prior to this, Kevin was a member of the Treasury Services Relationship Management and Business Development team, focused on the global go-to-market strategy, managing strategic client engagements, and technology partnerships. Kevin has also held roles on the Fintech Strategy & Partnerships team at BNY Mellon, focused on cryptocurrencies (stablecoins) and forging partnerships with third parties in support of BNY Mellon’s open architecture strategy, as well as business strategy roles in Asset Servicing and Investment Services, with earlier experiences in relationship management, pricing and operations positions in Asset Servicing. Kevin holds a bachelor of science degree in economics from The Ohio State University.Kevin Barr is Head of Strategy and Digital Cash for BNY Mellon’s Treasury Services business. In this role, Kevin is responsible for developing and executing against Treasury Services’ overall business strategy and business development in the digital cash space. Prior to this, Kevin was a member of the Treasury Services Relationship Management and Business Development team, focused on the global go-to-market strategy, managing strategic client engagements, and technology partnerships. Kevin has also held roles on the Fintech Strategy & Partnerships team at BNY Mellon, focused on cryptocurrencies (stablecoins) and forging partnerships with third parties in support of BNY Mellon’s open architecture strategy, as well as business strategy roles in Asset Servicing and Investment Services, with earlier experiences in relationship management, pricing and operations positions in Asset Servicing. Kevin holds a bachelor of science degree in economics from The Ohio State University.

Kalyani Bhatia is the Global Head of Payments Go To Market in Business Development at Swift. Her team of payment experts execute the Swift Strategy through data driven prioritization, standardized programmes and global expertise. She is responsible for supporting global business product programmes including Swift gpi, ISO 20022, transaction management, prevalidation, Swift Go and Instant payments. Kalyani is on the US Advisory Board for Women In Payments and is the Co-Sponsor of the Multicultural Inclusion ERG at Swift. Prior to joining Swift in 2020, Kalyani spent 18 years at Deutsche Bank, holding senior positions in technology, product and client implementations & service. Her expertise lies in running large global change initiatives supporting global transaction banking. She also has experience in the oil & gas, automotive and retail industries delivering systems as a technical consultant with Price Waterhouse LLP. Kalyani holds a degree in Electrical Engineering from Rice University.

Isabelle Bouille is a Director and Principal Product Manager in Payments & Transaction Services for Treasury Services at BNY Mellon. She joined BNY Mellon in June 2020 and co-leads the bank’s ISO 20022 Migration strategic program from a product management capacity. Isabelle is the US representative in the CBPR+ (Cross Border Payments and Reporting Plus) Working Group and has a seat in various industry groups. Other responsibilities include ISO 20022 internal and external communication, training and testing. Isabelle joined from SWIFT where she led the SWIFT Standards Market Practice Team where she was responsible for the High Value Payments Plus (HVPS+) initiative which plays a key role in the harmonized ISO 20022 implementation by Market Infrastructures worldwide and led the Cross Border Payments and Reporting Plus project (CBPR+) which is a major pillar for a successful ISO 20022 migration in the many to many space. She also conducted several ISO 20022 consultancy missions for major RTGS Systems. Prior to joining SWIFT, Isabelle was a Corporate Product Manager for France and Belgium at Deutsche Bank.

Tod Burwell is the President and Chief Executive Officer of BAFT. Prior to being promoted to CEO, he served as the Senior Vice President of Trade Products with oversight of all trade-related initiatives including the Global Trade Industry Council, Trade Committees, and other strategic initiatives of the organization. Mr. Burwell has over 25 years of trade, supply chain and cash management experience as a banking practitioner, as well as serving as a consultant to global corporations and suppliers of strategically integrated trade solutions. Prior to joining BAFT, Mr. Burwell was a Managing Director at JPMorgan Chase and held senior global management roles responsible for trade operations, launching the logistics business and managing global product sales for trade finance and logistics management.

Lisa Davis is the Global Head of Digital Channels for J.P. Morgan Wholesale Payments responsible for enhancing the digital experience and delivering market-leading solutions. She leads the global team that owns the digital suite of solutions offered to Commercial Bank and Corporate & Investment Bank clients in online and mobile banking, host to host interfaces, APIs and SWIFT. In line with her role, Lisa is representing J.P. Morgan on SWIFT’s Corporate Advisory Group. Lisa comes to the firm from Citigroup, where she served as their Head of Discover 10X Innovation. While there, she led a team of entrepreneurs, developers, designers and product managers who helped to facilitate the process of opportunity identification, solution validation and lean start-up, to build across Citi’s Institutional Client Group to deliver new products and services and identify new areas of growth. Prior to that role, Lisa was the Data Governance Officer (DGO) for Citi Treasury and Trade Solutions (TTS). She was responsible for driving data governance best practices across the TTS organization globally in compliance with Citi’s data policy, to help drive business decision-making, new product development, enhance client experience and meet regulatory commitments. Before that, Lisa was the Senior Program Manager in the Transaction Services PMO where she led teams responsible for global enterprise wide projects, process reengineering initiatives and for implementation of multi-faceted, multi-regional client deals. Lisa is a veteran of the United States Air Force and has an M.B.A from Baruch College Zicklin School of Business and her Bachelor’s degree from Long Island University in Sociology and Anthropology.

Simon Fan manages new payment solutions and information reporting services for Wells Fargo’s Global Treasury Management. He has over 20 years of managerial experience in transaction banking and global payments, working closely with global and regional financial institutions around the world. Simon previously held product manager and market manager roles at Citi, HSBC, and Deutsche Bank. Outside banking, Simon is passionate about cooking and has recently finished his book about the food and cooking of Shanghai, his native city.

Mark Garfield’s current role is Head of Global Financial Institutions at Zions Bancorporation responsible for foreign bank relationship development. He joined Zions Bancorporation in 2005. He has over 30 years of banking experience with 25 years in international banking management covering trade finance, trade services, foreign exchange, correspondent banking and product development. Throughout his career he has worked closely with corporate and commercial entities in the Midwest and Western U.S. providing banking support for cross-border trade. Mr. Garfield currently serves as a Director of BAFT and Chair of the Utah District Export Council. He served on the DEC National Advisory Board and Board of the World Trade Center, Utah.

Doug is the Chief Executive Officer at NGDATA and brings more than 30 years of international experience. Before joining NGDATA, Doug was Executive Director of Corporate Banking Solutions at financial services technology specialist, FIS Global. Prior to this, Doug was CEO of payments technology firm, Clear2Pay America, which was bought by FIS Global in 2014. He also held senior positions with S1, Unisys and HSBC. Doug is the Chief Executive Officer at NGDATA and brings more than 30 years of international experience. Before joining NGDATA, Doug was Executive Director of Corporate Banking Solutions at financial services technology specialist, FIS Global. Prior to this, Doug was CEO of payments technology firm, Clear2Pay America, which was bought by FIS Global in 2014. He also held senior positions with S1, Unisys and HSBC.

Jim Hitchcock is the Vice President for Fraud Mitigation at ABA and serves as the association’s primary expert on fraud mitigation activities and programs. In this role, he identifies and tracks key fraud topics and trends, runs banker committees focused on fraud, identifies potential commercial and government partners to help develop fraud mitigation capabilities, develops fraud prevention strategies, and finds opportunities to develop capabilities and partnerships that provide products and services to banks. Prior to joining ABA during June 2021, Jim was a Director in the Capital One Anti-Money Laundering Department serving in a Fraud Advisory role. Jim began his banking journey during February 2016 after finishing a career in Federal law enforcement with the Department of Defense Inspector General (Investigations) and U.S. Secret Service. Jim’s role within the US Department of Defense included the investigation and prosecutions related to international bribery, money laundering schemes and export violations related to the Foreign Corrupt Practices Act. During his tenure with the US Secret Service Jim served as a subject matter expert investigating identity and computer related crimes.

Steve Kenneally works in the Center for Payments & Cybersecurity at ABA on issues related to a range of payment systems including check, ACH, card, wires, as well as coins and paper money. He spends an increasing amount of time focused on emerging payment technologies such as mobile payments, virtual currencies, and P2P payments with an eye towards making them faster, safer and frictionless in the future. He is the staff liaison to two standing member committees focused on payments issues in addition to ABA’s Emerging Payments Advisory Group. He serves as Chair of the International Banking Federation Value Transfer Network Working Group. Prior to joining the ABA in 2005, he served at the United States Department of the Treasury where he managed the private network of banks collecting non-tax payments on behalf of the federal government and drafted regulations and guidance on cash management issues.

David Kretz is Managing Director and head Financial Institution Payments and Market Infrastructure in the Global Transaction Services (GTS) business at Bank of America. He is based in New York. David and his team work with clients, industry leaders, GTS product and regional leadership to originate and execute a global, cross-product strategy. Within that remit, David has direct responsibility for Global Clearing and Banknotes, our payment clearing memberships and the development of new digital currency capabilities. These are delivered to financial institutions, non-bank financial institutions and related technology clients. Previously, David was head of GTS Strategy and Global Payments Product Management. Prior to that, he was Chief Operating Officer for GTS. David has over 30 years of experience in financial services. Prior to joining Bank of America Merrill Lynch In January 2011, he spent seven years with J.P. Morgan in various senior roles within Treasury Services, including Global Head of Strategy and Western Hemisphere Liquidity Product Executive. Previously, he spent seven years as a banking consultant, and nine years in middle market banking. David is Chairman of the SWIFT U.S. National Group, Chairman of the BAFT Global Payments Industry Council and a member of the Digital Dollar Project Advisory Board. Previously, he was on the Board of Directors of the NACHA, and a member of The Clearing House Real Time Payments Business Committee. He is a graduate of Bradley University with a BS in finance and holds an MBA from Northwestern University’s Kellogg Graduate School of Management.

Rodrigo Gomez Lavanderos is Chief Payments Officer and Head of Operations at Grupo Financiero Monex, he is B. S. in Computer Engineering and has an MBA from ITAM. He has a long history of more than 30 years in the financial services industry in Mexico. He started his professional life in the consulting area developing and implementing projects with different clients. He has held managerial positions in services and software sales areas, as well as corporate services to clients in institutions such as Oracle, Microsoft and Monex. He also participates in various boards as an independent member. In recent years he has participated in the development and management of projects in the digital ecosystem of national and international payments, with local and multinational institutions.

Steve Ledford works with payments leaders on strategic issues facing financial institutions and leads initiatives to address them, including RTP, The Clearing House real-time payments program. Prior to joining The Clearing House, Mr. Ledford was a partner with Novantas, a financial services consulting firm. Before that he was a leader in McKinsey’s global payments practice, and was President of Global Concepts, a consulting and research firm specializing in payments and cash management.

Jim has thirty years of experience in financial services and technology, having held global and regional leadership positions with JPMorgan for 17 years in payments and cards, as well as Deutsche Bank in trade and supply chain finance. Much of the last decade has been spent working on digital innovation in the fintech space, including as the America’s Region Head for SunTec Global Business Solutions. Currently, Jim is the Americas head of sales for Pelican.ai, bringing a robust suite of AI driven payments and compliance solutions to the corporate, retail banking and insurance markets. Jim has sat on several industry advisory boards and is a current member of the BAFT payments committee.

Aaron had been involved in the security industry for over 15 years and has deep experience across information security, cyber-fraud, corporate security and investigations. Aaron came to TD to develop and lead the Cyber-Fraud team with the mandate to mature and strengthen cyber-fraud prevention, detection, and response capabilities. His team is deeply involved in incident management and works with product, risk and control partners to improve resiliency and reduce the impact of cyber-fraud events. Prior to TD, Aaron was head of corporate security for Millennium Process Group, Inc. (formally part of Finastra) reporting to the CTO. Aaron studied at the University of Guelph-Humber. He is a Certified Information Security Manager (CISM), Certified Fraud Examiner (CFE), and has attained multiple Payment Card Industry Data Security Standards certifications.

Bruno Mellado is head of international payments and collections with BNP Paribas Cash Management. Based in Brussels, Belgium, he has held several senior positions within the bank since joining BNP Paribas in August 2006. Previous to this, earlier roles include project management consultant with the Canadian Border Services Agency and business consultant with American Management Systems. He holds an MBA in Finance from Solvay Business School and a BCOMM in Business Administration and Marketing from Queen’s University.

Erin Moore is a SWIFT Payments Product Expert supporting the execution of SWIFT’s strategy of fast and frictionless cross-border payments. She is responsible for promoting ISO20022 migration, gpi, SWIFT Go, Pre-validation and Case Management. She works closely with financial institutions to transform the end user’s payment experience, harmonizing systems and schemes and refining efficiency of operations. She is a member of Women in Payments and a SWIFT Diversity and Inclusion global ambassador. Prior to joining SWIFT in 2020, Erin worked for The Clearing House and Citibank, holding various roles in product management and sales support and operations and technology as both an individual contributor and manager.

Greg Murray is Head of Payments, Receivables and Emerging Payments Product Management at Santander Bank, N.A. Greg and his team set the strategy for traditional funds movement and collection modes such as ACH, wires and checks, and emerging channel funds movement, including Real-Time Payments. Before joining Santander in 2018, Greg was Global Head of High Value Payments Product Management at Bank of America Merrill Lynch, where he led the bank’s growth to a top 3 global USD clearer. He has held similar roles at JPMorgan Chase, Deutsche Bank, and Bankers Trust Company. With more than 35 years of experience, Greg’s functional expertise has spanned product management, sales consulting, eCommerce, and client service and operations management.

Over 20 years experience in banking and capital markets with last five years focused on Digital Asset business development. Includes 13 years at JP Morgan part of Chief Investment Office, credit portfolio management, securitization and principal investing. Prior to joining BNYM advised fintech start-ups on blockchain and security token offerings. At BNYM have been focused on advancing digital agenda with stablecoin projects, tokenization and digital asset execution initiatives.

R. Patrick Quinn joined the Company as Executive Vice President and Corporate Secretary in connection with the Roslyn Bancorp merger on October 31, 2003. In April 2022 Mr. Quinn was named Senior Executive Vice President and continues to serve as General Counsel and Corporate Secretary of both the Company and the Bank. Mr. Quinn previously served as legal counsel, Chief Corporate Governance Officer and Corporate Secretary of the Company and the Bank. He was previously Executive Vice President and Corporate Secretary of the Company and the Bank, a position he has held since November 30, 2004. From January 2001 until the Roslyn merger, Mr. Quinn was Executive Vice President, General Counsel, and Corporate Secretary of The Roslyn Savings Bank, having previously held the title of General Counsel and Corporate Secretary. In addition, from January 1999 until the merger, Mr. Quinn was Corporate Secretary of Roslyn Bancorp, Inc.

Stacy Rosenthal is the Head of Payments Product Management, Transaction Banking, for Santander Bank. Stacy brings over 20 years of experience in banking and technology shaping market initiatives, launching new solutions, managing risk and product management. She is responsible for core payments products and serves as the business lead for the Payments Hub transformation initiative. She joined Santander in September 2018. Prior to Santander, Stacy held leadership roles in payments strategy, product development, industry engagement and innovation at Accenture and SWIFT. She began her banking career at Bank of America as a Treasury Solutions Technology and Product Consultant. Stacy is an industry expert and speaker on Payments, Standards and FinTech. In 2016, Stacy was honored with Global Finance’s Who’s Who in Treasury and Cash Management.

Sue-Ellen Speight is a Senior Vice President at StoneX Inc, a global Fortune 500 financial services institution. Sue-Ellen specializes in Global Cross-Border Payments in emerging markets with a focus on Regional Banks and Fintech. Having been with StoneX in the Global Payments team for eight years, Sue-Ellen offers keen insight into the challenges facing the Banking Sector, prevailing technology trends and payments best practice. The global payment sector has benefited from recent initiatives to increase transparency and innovations spurred by Fintechs though in many Frontier Markets the regulatory and operational challenges remain. Sue-Ellen and StoneX are committed to bringing access and efficiency to the ‘final mile’ of payments in challenging markets. For Financial Institutions, this means accessing local market insight as well as improving operational efficiency to deliver payments to almost all markets within two days. Formerly a Partner in a UK Consultancy specializing in Operational Efficiency, then transplanted to San Francisco as Strategy & Operational roles in several start-ups, Sue-Ellen brings a global perspective and practical understanding of how human processes can be given Super-Powers through technology. She is an active participant in the Bay Area Payments community, regular contributor to the Australian-American Incubator Mentorship program run by the Australian Consulate and Activator for the SHE-EO Investment Network. In her down time, Sue-Ellen is an amateur astronomer and enthusiastic hiking buddy to an intrepid ten-year-old Brittany pointer. Sue-Ellen holds a Bachelor of Commerce - Business Finance & Commercial Law from the University of Queensland in Australia, graduated the Executive Program in Strategy & Organization Stanford University Graduate School of Business, and holds Certificates in Foundations of Design Thinking and Organizational Thought to Action from IDEO.

Joseph Stark is VP, and Head of the Bank & Cross-Border Specialized Sales team for N. America for Visa Direct. Joe has 35 years of international banking experience and a deep foundation in payments and treasury management / transaction banking for financial institutions and corporations. Prior to Visa Joe was most recently the Head of Americas for Earthport which was acquired by Visa in 2019. Prior to that Joe was with Standard Chartered Bank where he was Managing Director and Head of Product Management for the Americas region in Standard Chartered Transaction Banking business. In this role Joe managed a team responsible for the regional sales delivery and compliance of all transaction products including payments, dollar clearing for FI's, trade finance, liquidity management, client access platforms and network banking partnerships. Prior to Standard Chartered, Joe was with JPMorgan Chase Bank for 25 years. His career at JP Morgan spanned cash management sales, product management, electronic commerce, and marketing. He spent seven years in Singapore and three years in London.

Laura is a senior product manager at Form3 with primary responsibility for US payment schemes such as FedNow, RTP, Fedwire and ACH. She has 20+ years of payment processing experience at commercial banks, the Federal Reserve and FinTech companies. Prior to joining Form3, Laura was a senior director at FIS with responsibility for payments products in the Americas – Canada AFT, Canada RTR, US ACH, US FedNow, US Fedwire and US RTP – on a number of different payment platforms. Laura began her career in operations at a large commercial bank and has held roles in operations, project management and product management primarily in the treasury payment space.

Connie Theien serves as the Federal Reserve’s head of industry relations, leading efforts to engage stakeholders in advancing U.S. payment system improvements and collaborating to drive adoption of faster payments in the United States. Theien leads collaboration and education programs focused on faster payments, fraud prevention, and efficiency improvements for B2B and cross-border payments. She is responsible for actively involving 10,000 members of the FedPayments Improvement Community in initiatives to improve the end-to-end speed, efficiency and security of payments in the country, in addition to building industry support and advocacy for the FedNow instant payments service.

Barry is the Principal at TransactionBanker.com, a payments consultancy, and is a recognized expert in wholesale banking and the payments industry. He has been involved in payment operations, systems transformations, and modernization related projects for global banks and hardware and software firms for decades. Barry has managed day to day operations, as well as planned, organized, directed, and managed, major banking initiatives for banks around the world. Barry is a current member of the Bankers Association for Finance and Trade (BAFT) Payments Committee and Co- Chairs their Payments Roadmap Workgroup. He is a past member of their Board of Directors. He was recognized in 2021 and 2022 as one of two BAFT Ambassadors of the Year. Barry is a former member of the US Faster Payments Council where he served as the Chair of their Cross Border Payments Workgroup and as member of their Operational Considerations Workgroup.

Shirish leads product management for Payments. In this role he consolidates all payments value propositions across commercial, corporate, currency clearing, Fintech segments for the enterprise. He is also responsible for the bank’s payment rails, digital currency products, commercial cards. Shirish has extensive experience in the last 13 years to deliver value added cash management and payment solutions across institutional, corporate, and individual clients. He has been with Standard Chartered for 18 years and has worked in emerging markets of India, Middle East, Sub-Saharan Africa, and Asia. Shirish has 22 years of experience as a multi-region, multi-product professional. Creating and nurturing new franchise opportunities through emergent technology and strategic alliances are areas of passion.

Ryan Wang is a US economist for HSBC Securities, a principle line of business for HSBC Holdings plc, one of the world’s largest banking and financial services organizations. He is part of a global team of over thirty economists based out of New York, London, Hong Kong, and other major financial centers. Ryan is responsible for the bank’s view of the outlook for the US economy, including projections for growth, inflation, and Federal Reserve policy. Ryan has also written about issues such as the US housing market, the outlook for the labor market, tax reform, state and local government finances, and trade policy developments. Ryan meets regularly with HSBC’s institutional client base, which includes central banks, money managers, hedge funds, and large corporations. According to Bloomberg, Ryan has consistently been one of the most accurate forecasters of key US economic variables such as inflation and unemployment. He has been with HSBC since 2001.

Bruce W. Weber is dean of the Lerner College of Business and Economics at the University of Delaware, where he is a professor of business administration and an affiliated faculty member in UD’s Institute for Financial Services Analytics. He is a member of the Advisory Council of the SWIFT Institute, part of the worldwide financial messaging operator. Weber earned his Ph.D. in decision sciences (1991) from the Wharton School of the University of Pennsylvania and an A.B. cum laude in Applied Math from Harvard University (1984). Weber’s research on IT strategy, financial sector computerization, and compliance systems has been published in leading academic journals and has been cited in the Wall Street Journal and the Financial Times. His recent books are 'Mastering Equity Trading' (Wiley 2010) and 'Liquidity, Markets and Trading in Action' (Springer 2022).

Ken Wong is Head of Product Innovation and Partnerships for the Global Transaction Bank at TD Bank. Ken has been in the financial Industry for over 35 years in different business divisions from Consumer Banking to Wholesale Banking with roles from Front Office and Relationship Management to Back Office Operations and Technology. He is a seasoned Treasury, Cash Management, Payments practitioner as well as an innovator with Patents accredited to him. He has extensive international exposure having lived and worked in Asia, Europe, Middle East and North America. Prior to re-joining TD Securities, Ken was Global Head of Payments and Clearing for Standard Chartered Bank; and prior to that he worked for Citibank in the eBusiness group. In 1999, Ken was a pioneer in a payments infrastructure start-up, in partnership with VISA International and Allianz Group, where he designed and built an alternate cross-border / cross-currency clearing system that guaranteed delivery to which he is accredited as inventor in two patents.

Khadir Ahmed is Vice President for Canada Payment Operations at ADP. Having spent most of his career in payments and financial services, he now leads a national team of Canadian associates with leadership of payment processes, high risk collection, and exception handling, related to hundreds of billions of dollars of annual client payroll funds and related disbursements. Khadir has also led global payment strategy and program leadership through his leadership of ADP’s Global Centre of Enablement organization. With over 18 years’ experience in the financial services industry, Khadir is passionate about engaging clients on payments innovation and modernization. Prior to joining ADP, Khadir was responsible for Payments Infrastructure and Strategic Innovation at TD Bank. He also worked at IBM Canada as a Senior Consultant in the Financial Services sector. Khadir has a bachelor’s degree in Information Systems from the University of Toronto.

A SEB veteran and former P27 board chair Paula da Silva takes over as CEO of P27 Nordic Payments. Da Silva spent the bulk of her long banking career with SEB, one of P27’s owner banks. She served most recently as SEB’s Head of Transaction Services, a role she held when the idea for starting P27 was born. From 2009 to 2019 she also served on the board of Swedish clearing house Bankgirot, which P27 acquired in late 2020. Thus, da Silva’s background makes her uniquely suited to take the reins at P27 at a critical point in the company’s development.

Luke Hammock joined Goldman Sachs TxB in 2020 as Vice President. Based in New York City, he is responsible for TxB’s Business as a Service and API platform. Prior to joining, Luke worked at Shift Technologies as a Product Manager, leading Buyer, Seller, and Financing Products at various times. Before that, he was a Senior Business Director of Product at Capital One where he focused on Strategy. Luke’s focus is the intersection of tech, media, and finance and he’s currently obsessed with Open API specs. Luke holds an MBA from The Wharton School of the University of Pennsylvania and a BA from Middlebury College.

Dan Kahn leads the Bank Integrations team at Plaid, a leading fintech API provider. He is responsible for managing Plaid’s product integrations and data access agreements with financial institutions across multiple markets. Prior to joining Plaid, Dan worked on Capital One’s digital partnerships business and was a management consultant at the Boston Consulting Group.

Matt Loos is the head of Wires and Clearing Products for the Global Treasury Management group. Matt joined Wells Fargo in his current role in November of 2022. He is responsible for the build out of all wires and clearing products and solutions, ensuring Wells Fargo’s payment transformation meets client and industry innovation requirements. Prior to joining Wells Fargo, att was part of SWIFT’s Strategy leadership team for two years. He was instrumental in SWIFT’s payments strategy, inclusive of market intelligence, new and emerging payments, consumer and small business payments, and the SWIFT Institute. Matt also spent 17 years at J.P. Morgan as a Senior Product Manager for Global Wholesale Payments in Treasury Services. He was the business lead for the product build out of nnovative client payment solutions and constructing a stable payment infrastructure to meet the demands of the changing global payment landscape.

William Porto has been with J.P. Morgan for more than 25 years. He provides consulting services to identify appropriate technical solutions for large corporate clients (typically with complex integration requirements) and advises on the strategic re-engineering of banking interfaces as well as best practices relative to market trends. In addition to driving the product strategy for the J.P. Morgan Host-to-Host and SWIFT channels, William participates in various industry forums relating to format standards. He represents J.P. Morgan on various Common Global Implementation (CGI) industry groups, and is the industry’s global Work-Group 2 facilitator which is charged with harmonizing implementation of ISO 20022 reporting messages across banks. Other work groups include interbank reporting, interbank remittance and X9 subcommittees. William also served as the representative for US banks on the SWIFT Cross-Border Payments and Reporting (CBPR+) ISO 20022 initiative.

Stacy Rosenthal is the Head of Payments Product Management, Transaction Banking, for Santander Bank. Stacy brings over 20 years of experience in banking and technology shaping market initiatives, launching new solutions, managing risk and product management. She is responsible for core payments products and serves as the business lead for the Payments Hub transformation initiative. She joined Santander in September 2018. Prior to Santander, Stacy held leadership roles in payments strategy, product development, industry engagement and innovation at Accenture and SWIFT. She began her banking career at Bank of America as a Treasury Solutions Technology and Product Consultant. Stacy is an industry expert and speaker on Payments, Standards and FinTech. In 2016, Stacy was honored with Global Finance’s Who’s Who in Treasury and Cash Management.

Margaret Ryan is Vice President of Product Management, leading the Emerging Payments team in Amex Digital Labs, the company’s in-house innovation unit. In this role, Margaret manages a portfolio of products including mobile payments, omnichannel commerce, and new product development. During her nine-year tenure at Amex, she’s led the development and launch of new payment products across areas such as open banking, peer-to-peer (P2P), QR, and more. Most recently she led the team responsible for building and launching American Express® Rewards Checking, Amex’s first consumer checking account. Within the open banking space, Margaret was part of the original team that brought Pay with Bank transfer to market and helped it to scale. Pay with Bank transfer is a payment initiation solution that enables UK customers to quickly and securely pay for goods and services online and on the go, directly from their bank account.

Deepa Sinha is the Senior Vice President of Payments and Financial Crime at BAFT, and will work to advance the goals of the payments and cash management industry through standardization, defining best practices and developing usable industry data. She will also be responsible for formulating policy recommendations and educating industry stakeholders including practitioners, regulators, policymakers and the broader business community. Prior to joining BAFT, Sinha accumulated more than 25 years of treasury and cash management experience at both corporations and banks. She formerly served as Treasurer at Caliburn International, now Acuity International, where she oversaw cash forecasting, working capital and debt management, and implemented policies and banking technology to support all core treasury functions. As the Associate Vice President of Banking Operations and Relationships at the Carlyle Group, she developed the cash management, FX and banking platforms, and built and managed the infrastructure for multicurrency cash management across 5,000+ bank accounts at more than 100 global banks. She also served on both the JPMorgan Chase Treasury and Wells Fargo Treasury Advisory Councils.

Cheryl Venable is executive vice president at the Federal Reserve Bank of Atlanta and serves as the retail payments product manager for the national Retail Payments Office (RPO), which is headquartered at the Atlanta Bank. In this role, she oversees all aspects of the check and ACH business lines. She also is a member of the Bank's Management Committee. Venable has spent her entire career with the Fed since joining the St. Louis Bank in 1991 as a management trainee in the accounting and payment system risk department. Since then, she has served in a number of leadership roles within the Federal Reserve System. She joined the Minneapolis Fed in 1996 responsible for FedACH business support and in her last position served as the senior vice president responsible for FedACH operations and automation, led the information technology division, and served on the Management Committee. During this time Venable managed the technology transition to the web-based FedLine solution for FedACH.

Russ Waterhouse is Executive Vice President of Product Development and Strategy at The Clearing House. In this role, Mr. Waterhouse oversees the evolution of The Clearing House’s core payments products (CHIPS, ACH and check image exchange) and leads its innovation efforts to support the next generation of safe, reliable and efficient payment systems for banks and their customers. Current priorities include the development and implementation of tokenization in payments and a real-time retail payments system.

Karen Webster is one of the world’s leading experts on emerging payments and a strategic advisor to CEOs and Boards of multinational players in the payments and commerce space. As the CEO of Market Platform Dynamics, she works extensively with the most innovative players in the payments, financial services, mobile, B2B, digital media and technology sectors to identify, ignite and monetize innovation. Karen also serves on the boards of a number of emerging companies, helping innovators develop and implement business strategies that drive market adoption for their products and services. Karen is also an entrepreneur herself, who has successfully founded and launched several new ventures in the loyalty, on-line media, and social networking sectors, including PYMNTS.com.

Stephen Wojciechowicz is a Senior Principal in Product Management for BNY Mellon, responsible for development and delivery of USD Clearing services. He is a chairman emeritus of the BAFT Payments Committee and a former dean of The Payments Institute. He joined BNY Mellon in 2019 after holding leadership positions in risk and product management at Deutsche Bank and HSBC. He has held a variety of roles at SWIFT, including sales and market development of file transfer and FX trade matching services in North America.

Ken Wong is Head of Product Innovation and Partnerships for the Global Transaction Bank at TD Bank. Ken has been in the financial Industry for over 35 years in different business divisions from Consumer Banking to Wholesale Banking with roles from Front Office and Relationship Management to Back Office Operations and Technology. He is a seasoned Treasury, Cash Management, Payments practitioner as well as an innovator with Patents accredited to him. He has extensive international exposure having lived and worked in Asia, Europe, Middle East and North America. Prior to re-joining TD Securities, Ken was Global Head of Payments and Clearing for Standard Chartered Bank; and prior to that he worked for Citibank in the eBusiness group. In 1999, Ken was a pioneer in a payments infrastructure start-up, in partnership with VISA International and Allianz Group, where he designed and built an alternate cross-border / cross-currency clearing system that guaranteed delivery to which he is accredited as inventor in two patents.