Is the Sharing Economy a Payments Industry?
The API Economy: How to navigate, interpret, and succeed
Open Banking Imagined
Do you believe the hype? The role of ISO 20022 in Canada's modernized Payments system
Streamlined Checkout on the Web
What’s in it for SME? Moving a small business to modern payments
Host: Bruce Croxon, Digital Innovator and Co-Host of BNN's The Disruptors
Welcome Remarks from Gerry Gaetz, President & CEO at Payments Canada
Vivek Bajaj, Global Vice President, Watson Financial Services Solutions at IBM Industry Platforms Beyond the Hype: How Cognitive, Regtech and Blockchain are transforming Financial Services
Toomas Hendrik Ilves, Former President of Estonia, Current Co-chair of the Global Futures Council on Blockchain Technology
Digital Disruption and the Future of Payments
SWIFT Global Payment Innovation (GPI)
FinTech and the Digital Transformation of the Financial Sector
In a world full of Change, be the Talent
Building Trust in Digital Payments
If the world was your oyster: Innovating on the new real-time payments rail
Payments: Our $16.4 billion industry
Is Free-Riding a Red Herring?
IBV and PAD: the new way of handling online payments
Enhancing our value proposition to members using data-driven insights
Going Cashless - Understanding the differences between fiat digital currency and a cryptocurrency
Stacey Madge, Country Manager & President at Visa Canada
Asheesh Birla, SVP of Product, Ripple
Ulku Rowe, Technical Director of Financial Services at Google Cloud
What’s in it for me? What’s in it for us? Contemplating the benefits of Payments Modernization
The Customer Experience in an ever-changing technology landscape
Contextual Banking: Make the who, what and why of Payments benefit both banks and business
How Data in Payments Changes Everything
Payments Blockchain – The Next Frontier
Modernizing Mass Transit: Opening up transit payments in Canada
Angela Brown, President and CEO at Moneris
Filipe Dinis, Chief Operating Officer at Bank of Canada: Strengthening our Cyber Defenses
The Future of Transformation is Cloud... and Community
IBM Breakfast - IBM Payments Centre - Canada (IPCC) - A Cognitive Payments Platform Built on the IBM Cloud for Modernization and Collaboration
The Blockchain Panel
The Growing Opportunity from China
Open Banking - Opportunities & Challenges
Digital Disruption in Canadian Payments: The Adoption Reality and Who is Paying the Tab
What to expect when you’re expecting ISO 20022
Bob Paulson, Former Commissioner at RCMP
Lorne Rubis, Chief Evangelist at ATB Financial: Why and how ATB chose to become Googley in building a more adaptive culture
Global Financial Inclusion on the Rise
The Value of Virtual Currencies
The story of an FI partnering with a bank
Payments Modernization - Executing with Excellence
Mental Health in the Workplace
Combating the Amazon Effect
Enabling the next generation of business payments
Cheques & Balances: The Darker Side of Payments
Cyber Security: Is your business ready?
Ruth Wandhofer, Global Head Regulatory & Market Strategy at Citi: How Open Banking transforms the payments world
Stephen Grainger, Head of North America at SWIFT
Bruce Ross, Group Head, Technology & Operations at RBC
Digital ID Revealed
Google Pay, modernizing your digital wallet
Preparing Corporate clients for ISO 20022
The Future of Fintech in Canada
How Loyalty Impacts Payments
The Cyber Security Panel
Ripple Lightening Talk
Danny Chazonoff, Chief Operating Officer at Paysafe: Alternative Payments Methods: The Road Ahead
Jasper Phase 3 - Adding Securities to a Blockchain based RTGS Platform
The SUMMIT SOCIAL
Managing Fraud Risk: The Faster Payments Panel
Why a powerful platform is critical to your evolving payments strategy
Frank Abagnale, Renowned Cybersecurity and Fraud Prevention Expert, Bestselling Author, Subject of Catch Me If You Can
Chandra Shekaran, Global Head - Banking and Financial Services Payments Practice at Tata Consultancy Services
Jan Pilbauer, Executive Director, Modernization & CIO at Payments Canada
Sue Hutchinson, Chief Commercial Officer at Payments Canada
Bruce Croxon, Digital Innovator and Co-Host of BNN's The Disruptors
Closing Remarks from Eileen Mercier, Chair, Board of Directors at Payments Canada
His transformation from one of the world’s most notorious con men to an international cybersecurity expert trusted by the FBI has been mythologized in film and literature – but the takeaways he shares are the real deal. Frank's contributions to the world of security are immeasurable. He has become a hero to hundreds of public and private sector organizations for his indispensable counsel and strategic insight on safeguarding information systems and combating cyber-fraud. With an eye on the latest techniques developed by high-tech criminals to deceive and defraud, Frank leaves audiences with a deep understanding of today’s evolving security landscape, and more importantly, a vision of how to make the world a safer place.
IBM Industry Platforms
Vivek is the Global VP of Solutions for IBM Financial Services. He leads a worldwide team of experienced Sales, Technical Sales and Industry consultants who work with major financial institutions to deliver pre-built industry specific solutions in the areas of risk & compliance, client insight, payments & counter fraud. Alongside his leadership responsibilities Vivek works directly with C-suite executives to share best practices based on his two decades of expertise in financial services. He has personally driven strategic transformation initiatives by leveraging cognitive & advanced analytics at major financial institutions in the recent past. In particular he has an in-depth understanding of financial services use cases around customer centricity, risk & compliance (regtech) and payments. Vivek has played numerous roles directly related to the financial services industry over the last several years. Directly prior to his current role Vivek led the WW Financial Services Analytics team for IBM. In the years before that Vivek has held a number of leadership positions in financial services including managing the client executive relationship with a top-10 financial institution and heading a strategic consulting practice for financial services globally. He also setup up and grew a financial services sales & delivery practice at Microsoft in the past. He is recognized as an industry expert and invited to speak at a multitude of industry executive roundtables, technology conferences and universities to highlight real world financial services and big data use cases. Vivek is also regularly interviewed and published by industry journals and think tanks. Vivek is a recognized IBM management and sales leader with numerous awards and citations. He is an economics and management university graduate from the University of Mumbai and has a post graduate MBA degree from Henley Business School, UK. When not at IBM, Vivek is passionate about sports, travel and spending time with his family.
Asheesh is SVP of Product at the blockchain startup Ripple, which he first joined in 2013 to lead the development of their product suite. Asheesh is an industry expert on blockchain and is a frequent contributor, speaker, and advisor on blockchain and cryptocurrency. Asheesh started his career as an entrepreneur 15 years ago in Silicon Valley, where he founded a content management company that he later sold to Thomson-Reuters, becoming their VP of Global Technology in 2005. After leaving Thomson-Reuters in 2010, Asheesh advised and lead product design at a number of startups in Silicon Valley.
Angela Brown is President and Chief Executive Officer of Moneris. She is responsible for continuing to build Moneris’ leadership position in North America, strengthening its position in mobile payments, and expanding its strategic partnerships.
Ms. Brown is an experienced executive with more than 25 years in the payments industry. Prior to Moneris, Ms. Brown was Group Executive, Enterprise Development, Merchants & Acceptance, for MasterCard Worldwide. Ms. Brown started her payments career at the Canadian Imperial Bank of Commerce (CIBC), where she spent 13 years within the ATM, Cards and Payments divisions.
Currently, Ms. Brown serves on the Boards of Altus Group and ITAC (Information Technology Association of Canada), and was also recipient of the Electronic Transactions Association’s 2015 Distinguished Payments Professional award. Ms. Brown holds a Master’s degree in Business Administration from the Schulich School of Business at York University in Toronto, and the ICD.D designation, having completed the Directors Education Program from the Institute of Corporate Directors.
Danny Chazonoff has been the Chief Operating Officer of the Paysafe Group since the completion of the Optimal Payments Acquisition. Prior to the Acquisition, he held the position of Chief Technical Officer at the Montreal based group comprising OP Payments Inc. and its related companies (‘‘OP Payments’’) and was employed by that group since it was founded in 1996. Mr. Chazonoff provides leadership, management and direction in the areas of bank and partner relationships, product direction, technology and risk and operations. Mr. Chazonoff has also served as Vice President, MIS and Web Development at BCE Emergis, a subsidiary of Bell Canada, and as Director of Operations for AVS Technologies, a leading distributor of consumer electronics in Canada. Mr. Chazonoff brings a wealth of international payments expertise and IT experience to the Paysafe Group. Mr. Chazonoff holds a Bachelor of Commerce with a Major in Management Information Systems from McGill University (Montreal) and an MBA from the John Molson School of Business (Montreal).
Bruce Croxon made his mark as a digital pioneer by co-founding Lavalife and revolutionizing how people connect. Under his direction, he grew this early tech start-up into the marquee brand in online dating with over two million users. Partner, chairman and CEO, Croxon helped lead the company’s growth from four to 600 employees, and achieving revenue of just under $100 million. After its spectacular rise, he led the sale of the company for $180 million dollars. Since that time, Bruce has been active as both an investor and advisor in early stage companies in the technology and hospitality sectors, continuing to expand the reach of his entrepreneurial successes. As an ex Dragon on CBC’s Dragons’ Den, he adds a broad range of businesses and products to his portfolio that tap into his passion for digital media, health and marketing. Croxon currently helms Round13, a company dedicated to investment in growth stage digital Canadian companies. He currently co-hosts The Disruptors on BNN and CTV, a weekly show spotlighting Canadian business and believes our entrepreneurs can hold their own with anyone in the world.
Bank of Canada
Filipe Dinis is Chief Operating Officer at the Bank of Canada. As COO, he is responsible for overseeing the Bank’s strategic planning, corporate functions and operations including bank note production. Mr. Dinis has had a distinguished career in public service. Before joining the Bank, Mr. Dinis served in the federal Privy Council Office, where he was Assistant Secretary to the Cabinet and provided strategic advice and analysis to the Clerk of the Privy Council on Business Transformation and Public Service Renewal. He also served as Secretary to the Prime Minister’s Advisory Committee on the Public Service. Prior to that position, he was Chief Financial Officer and Assistant Commissioner at the Canada Revenue Agency. He also currently serves on the Board of Directors of the Children’s Hospital of Eastern Ontario. Mr. Dinis holds a Bachelor of Commerce from McGill University, and is a Chartered Professional Accountant. Mr. Dinis is also a recipient of the Queen’s Diamond Jubilee Medal.
Gerry Gaetz is President and CEO of Payments Canada. Since joining Payments Canada in 2013, he has been leading the transformation of the organization, including its enabling legislation, governance, internal capacity and business strategy, as well as the modernization of the Canadian payment system.
Prior to Payments Canada, Mr. Gaetz held a number of executive roles at the Bank of Canada, including Chief of Currency, where he was responsible for Canada's new polymer banknote series, Chief of Banking Operations, where he led the redevelopment of the core banking system, and Chief of Corporate Services.
Mr. Gaetz is a member of the International Council of Payment Association Chief Executives, a director of Fortress Paper, a publicly traded company, and a director of Landqart AG. He is a former member of the Banknote Ethics Initiative Accreditation Council. He also co-led the flagship leadership program at the Gestalt International Study Center in Massachusetts for three years. Mr. Gaetz holds an MBA from the University of Ottawa and is a Chartered Professional Accountant.
Stephen has recently been appointed as Head of SWIFT’s North American business. Prior to that he was responsible for SWIFT’s engagement with Market Infrastructures, including Central Banks, Domestic Payment Systems and Central Securities Depositories, across the Americas and UK region. In addition, he is responsible for SWIFT’s regional strategy as it relates to Securities and Payments initiatives. Stephen joined SWIFT from Goldman Sachs, where he held several roles including managing the firm’s global relationships with banks and Market Infrastructures. Prior to joining Goldman Sachs, Stephen held similar roles at Bank of America Merrill Lynch and Citi. Stephen began his career with the Euroclear Group.
Toomas Hendrik Ilves served as President of Estonia from 2006 to 2016. In this post, he was key in driving the initiatives in e-government and cyber security for which the country has been acknowledged as a world-leader.
Educated in the United States, Ilves graduated from Columbia University in New York City in 1976 and received his Master’s degree in Psychology from the University of Pennsylvania in 1978. Toomas Hendrik Ilves was elected President of the Republic of Estonia in 2006, and was re-elected for a second term in office in 2011. In June 2017 – President Ilves was awarded the Reinhard Mohn Prize entitled, “Smart Country: Connected. Intelligent. Digital.” In recognition, Brigitte Mohn, a Member of the Executive Board of Bertelsmann Stiftung, said “Toomas Hendrik Ilves introduced digitalization to schools and classrooms ten years before the invention of the smartphone. He realized just how important the early adoption and acquisition of digital skills were before many others did.”
Bank of Canada
Scott Hendry was appointed Senior Special Director, Financial Technology (FinTech) in the Funds Management and Banking Department (FBD) in June 2016. In this role, he oversees the Bank’s efforts to monitor and research developments and implications of new technologies affecting the financial sector. He previously held the role of Director of Research for FBD and, before that, for the Financial Markets Department (FMD). His personal research has focused on electronic money, price discovery in the Canadian government bond market, and central bank communication. He has a PhD in Economics from the University of Western Ontario.
Sue Hutchison, Chief Commercial Officer of Payments Canada, is responsible for building and leading all industry-facing teams including product and service strategy, client engagement and marketing and communications with responsibility to deliver world class service to member banks and stakeholders. Sue has 20+ years experience in global financial institutions in retail and commercial banking and was most recently with Canada’s largest fintech focused on digital payments technology. Previously, she held the position of Group Head and Canada Country Manager at Finastra (formerly D+H), where she lead a global team delivering digital banking and payments solutions to banks on five continents. Prior to Finastra, she held Senior Vice President roles at HSBC and Bank of America Sue has been named Top 100: Canada’s Most Powerful Women and is an active member of her community. She is the past Vice-Chair Nature Conservancy of Canada, BC Region, and past Board Member B.C. Women's Hospital Foundation and the Canadian Payment Association and past member Payments Canada Stakeholder Advisory Committee.
John is an accomplished senior executive and driver of innovative change. He is responsible for leading innovation and product development efforts for TMX Group, a crucial role for the organization as it continues to pursue technology-driven, client-focused solutions. He was recently appointed to the Fintech Advisory Committee (FAC) with the Ontario Securities Commission (OSC).
During his 20 year career in Canada’s capital markets, John has built a strong track record of success in spearheading the development and implementation of world class software solutions in trading, clearing and market data. His vast industry experience also includes positions in equities and derivatives trading along with technology leadership supporting foreign exchange trading, investment banking, global payments, prime brokerage and securities lending.
Stacey Madge has served as Country Manager and President for Visa Canada since April 28, 2017. In her role, she is responsible for leading the Canadian market for Visa. Previously, Ms. Madge was a Senior Vice President in the International Banking Group at Scotiabank, overseeing retail and small business across 30 Latin American and Caribbean markets.
Prior to her role at Scotiabank, Ms. Madge was a Partner at McKinsey & Company, where she was a leader in the areas of retail banking, mergers and acquisitions, and sales force effectiveness.
In her early career, she was an analyst for mergers and acquisitions for RBC Dominion Securities. Ms. Madge graduated from Queen’s University and holds an MBA from the University of Chicago Booth School of Business. She is based in Toronto.
Andrew McCormack is the Senior Director of Technology at Payments Canada. He is responsible for operations of the core payment systems as well Payments Canada’s technology strategy and emergent technology agenda. Andrew has an MBA from the Ivey Business School and Bachelor of Computer Science from Carleton University. Andrew lives in Ottawa, Ontario, with his wife and three young children.
Ms. Mercier is a professional director, and was Chair of the Ontario Teachers' Pension Plan Board from 2007 to 2014. Her career encompasses over 40 years of general management experience in the financial services, communications, integrated oil, and paper and forest products sectors. From 1995 to 2003, Ms. Mercier headed her own management consulting firm. Prior to that time, she was Senior Vice-President and CFO of Abitibi-Price Inc. Ms. Mercier currently serves on the boards of Teekay Shipping Corporation, Intact Financial Corporation, the Royal Conservatory of Music and the University Health Network. She holds an MBA from York University, and a Master's degree from the University of Alberta. In 2010, Ms. Mercier received an honorary LLD from York University and in 2011 was named as one of Canada's Top 25 Women of Influence. In 2012, she was named one of Canada's Top 100 Most Powerful Women and in 2013 was awarded an honorary LLD from Wilfrid Laurier University. She is a Fellow of the Institute of Corporate Directors of Canada.
Commissioner R.W. (Bob) Paulson served Canadians as the 23rd Commissioner of the Royal Canadian Mounted Police from his appointment on November 21, 2011 until his retirement on January 19, 2018. He joined the RCMP in 1986 spending the first 19 years of his 32 years of service in British Columbia, distinguishing himself in major crime and organized crime investigations. In 2005 he transferred to National Headquarters in Ottawa and to senior executive roles in national security; criminal intelligence; and, contract / aboriginal policing. He was promoted as Deputy Commissioner federal policing in 2010. As Commissioner, and with a strong focus on effective police operations, Paulson implemented an ambitious transformation agenda featuring a new RCMP Act with a modernized approach to discipline and accountability; a new labour management framework; and, a more centralized and responsive harassment and workplace conflict regime. Paulson led the settlement of a class action lawsuit by female employees and he provided a historic apology to those impacted by harassment. He was a strong advocate for the mental health and well-being of all RCMP employees.
Jan Pilbauer is Payments Canada’s Executive Director, Modernization and CIO. In this role, he leads the modernization of the Canadian core clearing and settlement payment infrastructure, including implementation of ISO 20022. He also sets the strategic direction for the information technology at Payments Canada.
Jan possesses strong business and technology executive-level experience in payment systems and the cash industry. He has served in increasingly senior leadership positions over the years, leading important projects for mission-critical and high availability systems in the central banking environment. Prior to joining Payments Canada in 2015, Jan was Director of the Central Bank Counterfeit Deterrence Group, an international collaboration of central banks under the auspice of the Bank for International Settlements.
Jan has 15 years of IT experience. He is actively involved in Payments Canada’s investigation of, and experiments with, blockchain technology and maintains strong ties with the fintech community in Canada.
Ulku Rowe is the Technical Director of Financial Services in the Office of the CTO at Google Cloud.
Before joining Google, Ulku was a Managing Director at J.P. Morgan, where she was the Global Head and CTO of Credit Risk Technology. Prior to that, Ulku was a Managing Director at Bank of America Merrill Lynch, where she was the Global Head of Market Risk Technology. Earlier in her career, she held a variety of technology leadership positions at UBS building trading and analytics systems.
Throughout her career, she helped drive business transformation through technical innovation and leadership. Her focus has been building highly scalable, enterprise systems leveraging grid computing, quantitative analytics and big data technologies.
Ulku received her BS degree in Computer Engineering from Bosphorus University in Istanbul and her MS degree in Computer Science from University of Illinois at Urbana-Champaign.
She serves on the Board of Directors of the Fulbright Association.
The constant in my diverse career has been organization and cultural transformation. As Vice President/Company Officer for then a Fortune 50 multi-media company, US West, I was responsible for the strategic planning process, CEO’s governance system, worldwide total quality initiative, and one of only seven direct reports to the Chairman.
After a brief but eventful stint at the LA Kings Hockey Club as VP of Business Operations, where I oversaw the development of Staples Center and its innovative premium seating strategy, I became the VP of Sales and then Chief Operating Officer at Multiple Zones (now Zones.com). As COO, I led the transformation of the company from a business-to- consumer to a business-to- business enterprise, recognizing the potential for dramatic growth in revenue and e-Commerce.
As CEO of Stellar One, I successfully took a privately held Internet protocol TV software company to market and then served as the President and CEO of Ryzex from 2004 to 2012. This privately held mobile technology services company was a leading value added re seller with employees and customers throughout North America and Europe.
From April of 2012 to December 2016, I was the Chief People Officer at ATB Financial, an Alberta owned financial services company with headquarters in Edmonton, Alberta. As of January 2017, I was asked to take on the role of Chief Evangelist, and currently help lead the company through on-going cultural and business transformation as ATB sets out to reach its goals of being widely recognized as Alberta’s leading financial institution, The Place to Work in Canada and a cult brand in the hearts of Albertans.
Outside of work, my abundant energy is devoted to a wonderful family (including three and hopefully even more grandchildren), personally advancing my personal leadership craft, and abundantly sharing any value I might bring to others. I am at my core a teacher, coach, facilitator and leader who gets stuff done.
Tata Consultancy Services
Chandra Shekaran is the Head of the Payments Practice at Tata Consultancy Services. With over two decades of practical experience leading large payments transformation programmes and global payments advisory for global and regional payment organizations and market infrastructures, Chandra Shekaran heads the change function developing and evangelising executable payment strategies for payment organizations across the global footprint. In his role, he is responsible to design and advice clients on actionable strategies to adapt to the future of payments, identify new business lines and growth opportunities, explore emerging technologies, and enable CIOs and CXOs proactively embrace change. Chandra Shekaran is very active in industry standardization initiatives and chairs the Cards Working Group in Banking Information Architecture Network (BIAN) and is also an active contributor to Interactive Financial Exchange and TOGAF architecture forums. To his credit, in addition to leading large transformational programmes, Chandra Shekaran has implemented the real time payments in Asia and Europe and the Open Payments Regulations in Europe, having engaged with large banks and payment firms to address the requirements of compliance, and exploit investments over the long term. He has actively been advising clients on explorations in emerging technologies that reshape the future of payments and effectively creates and leverage partnerships with payments ecosystem providers and operators across the globe.
Ruth Wandhöfer is a regulatory and FinTech expert in the financial services space and one of the foremost authorities on banking regulatory matters. Ruth's key responsibilities include driving regulatory and industry dialogue and developing product and market strategy in line with the evolving regulatory and innovation landscape. Ruth chairs a number of influential industry bodies and pursues a PhD on blockchain/distributed ledger technology in relation to financial market infrastructures. In 2015 she was the recipient of the ‘Women in Banking and Finance Award for Achievement’ and in 2016 she was named on the global ‘Women in Fintech Powerlist’ of Innovate Finance.
Vijay Anand leads Global Cards & Payments domain consulting practice at Infosys. His team focus on deepening Domain competency and build alliances to strengthen product professional services capabilities in Cards and payments space. He has over 21 years of experience in IT Cards & Payments industry and he brings in expertise across the cards and payments value chain and has been instrumental in managing large Cards and payment relationships in Infosys with leading financial institutions across the globe. In his role, Vijay frequently interacts with Senior Executives and Analysts in Cards and payments space and oversees Infosys engagements giving him a unique perspective of the industry needs and technology solutions. He is an active member of various global industry forums for Payments like US Fed reserve task force for Faster payments , US Fed reserve task force for Faster payments , Remittance coalition etc and has been involved in several industry initiatives. His clients are usually the leaders in their space or part of Global 2000 providing and consuming a range of payments services across geographies such as Issuing Banks, Acquiring Banks, Payment Schemes, Merchant and FI Processors, Retailers, Remittance Players, OEMs and Product players.
David Andrzejek came to Google from Google Cloud's acquisition of Apigee. David started Apigee's go-to-market efforts, and has spent the last ten years at Apigee helping companies with their API strategies. David currently leads go-to- market for Verticals and Ecosystems at Apigee.
Neville Arjani serves as Director, Research at Payments Canada. He and his team are responsible for delivering thought leadership, analysis and advice to support the strategic and operational priorities of the organization. His research interests include settlement risk management in clearing and settlement systems, intraday liquidity management, technology and payments, and the contribution of payments systems to broader economic and financial outcomes. Neville joined Payments Canada in 2014, following nearly 5 years in a research and policy capacity with the Office of the Superintendent of Financial Institutions (OSFI) and nearly 8 years in a similar capacity with the Bank of Canada.
Mark has over 17 years’ experience in corporate and investment banking, holding various senior positions within the legal functions of a number of European banks and investment firms. Prior to banking, he held several teaching and research posts at a number of leading UK universities and has published numerous academic papers in the legal and economics field.
Between 2010 and 2017, Mark was the Head of EU regulatory & advisory and the specialised global co-ordinator for regulatory advice at BNP Paribas, advising senior management and business on all aspects of global, EU and domestic regulatory change impacting the Bank’s business lines. Prior to 2010, he practised as a derivatives lawyer, specialising in complex cross-border regulatory structuring for institutional clients.
Mark has extensive knowledge of regulatory capital and liquidity issues and also has significant experience in payment systems, securities settlement and clearing systems (securities, OTC & listed derivatives). He advised BNP Paribas on the legal and regulatory aspects of its membership in CHAPS and CREST and was a member of the Bank’s CHAPS OpCo and the UK liquidity optimisation Steerco.
In his spare time, Mark reads continental philosophy and is a keen jazz percussionist.
CBC News Network
Rob is a serial entrepreneur and loves thinking of new ways that technology can impact our everyday lives. He is the founder of J2Play, which created the world's first mobile multi-player SDK, social games platform and distribution network. J2Play received the first Facebook Fund Grant, and was acquired by Electronic Arts in 2009. He is also an investor and advisor to many local startups, including Bitmoji (Acquired by Snapchat) and a co-founder of Motek Mobile, one of Waterloo's first development shops.
Tricia Balfe is Head of Services at XMLdation, leading provider of SaaS solutions for end to end ISO 20022 and payments file testing. Tricia has extensive experience working with banks on their journey towards adoption of ISO 20022 and Open Bank APIs.
Ernst and Young LLP
Robert is a proven strategic business leader with 18 years of experience in the financial and technology services industry. During his career, Robert has worked at several major banks and credit card networks and has helped to launch business strategies and products both in Canada and around the world. He has consulted with hundreds of small businesses, large market organizations and enterprise companies on topics ranging from simple payment optimization strategies to account reconciliation and payment process re-engineering plans. As Chief Revenue Officer and Co-Founder of WayPay, he is responsible for the development of key partner strategies, go-to-market and growth plans, and a positive customer sales and acquisition experience.
Gwen is a security consultant and CEO of Tillet Consulting. Gwen's career spans over 30 years, and includes Bell Northern Networks, Nortel, the Canadian Federal Government and Payments Canada. Gwen is an advisory board member to the Cyber Security programs at Northern-Eastern University & University of Toronto and Algonquin College. In addition, Gwen is on the advisory board of the Quantum Safe Canada and a board member of SERENE-RISC. Gwen hold the C|CISO accreditation, and has an Honours Bachelor of Computer Science from Carleton University. She has been recognized for technical leadership. Gwen's career began as a member of scientific staff at Bell Northern Research, focused on finding new opportunities in multi-media broadband applications, in light of BNR's digital switch product line. From there, Gwen moved into software design and software release management of the voice recognition applications at Nortel Networks. In 2002, Gwen moved to the Public Sector, at the Communications Security Establishment to lead teams within the Chief Information Security Office, responsible for the daily running of corporate infrastructure. Armed with design, development and operations, Gwen was selected for the Leader Development Program, and interned with the Canadian Cyber Security Strategy Secretariat in 2006, to establish Canada’s first Cyber Security National Strategy. In 2009, Gwen became the inaugural liaison officer for CSE in Australia and New Zealand, and after returning to Canada in 2013, Gwen led the Canadian Computer Incident Response Team (CCIRC) at Public Safety. In 2016, Gwen left the Public Service to become the inaugural Chief Information Security Officer of Payments Canada. In January 2018, Gwen stood up TIllet Consulting, and became a member of various cyber boards.
Greg Bennett’s vision is to reimagine the world’s most challenging industries. He is the former Director of Transformation at Imaginea Energy (now Imaginea.ai), a $350mm Oil and Gas startup where he was an architect of Clean Hydrocarbon, a vision for the future of energy that has been adopted by Canada’s Energy leaders. Greg has led world-first Cloud, ML, IoT and Blockchain projects in partnership with companies like Google and Citrix. He is an avid ecosystem developer, founding and contributing to open tech communities like, Atmosphere, GDG Cloud Calgary, and the Alberta Blockchain Consortium.
Suresh is a former venture capitalist and engineer in the gaming space. He has been involved with a wide range of early stage startups such as Locationary (acquired by Apple), J2Play (acquired by Electronic Arts), Bumptop (acquired by Google) and many more. He is also one of the founding members of Extreme Startups (Now Highline.vc), Canada's top startup accelerator program. He is a former game developer at Ubisoft, a Comp Sci and Math grad, and also holds an MBA from McGill University.
Wilko Bolt is a Senior Economist in the Economics and Research department at De Nederlandsche Bank in Amsterdam and Professor of Payment Systems at the Vrije Universiteit in Amsterdam. His current research focuses on the payment economics, virtual currencies, two-sided markets theory and antitrust implications. He has published in journals such as American Economic Review, European Economic Review, Economic Theory, International Journal of Industrial Organization, and International Journal of Central Banking. His book ‘Credible Threats in Negotiations: A Game-theoretic Approach’, written jointly with Harold Houba, was published by Kluwer Academic Publishers in 2002. Bolt was awarded the Hennipman Prize by the Dutch Royal Economic Association in 2007 for his research.
With 25 years in payments and digital banking, Mike helps develop payment strategies for FIs, networks and processors across North America. In addition to work for Payments Canada, Northcard’s assignments have included:
- Leading a mobile payments initiative and several strategy engagements for Canada’s largest credit unions;
- Engagements for Visa USA on consumer credit products and chip roll-out; and
- Developing new products for Rogers and Moneris.
Prior to Northcard, Mike led Visa Canada’s product team through the IPO period, directing the launch of new products including Chip & PIN, Visa PayWave, Visa Debit, the prepaid category and Digital Wallet trials.
Department of Finance, Canada
Royal Bank of Canada
As Head, Enterprise Payments, Ms. Burke is responsible for leading RBC’s enterprise payments strategy and council, covering the spectrum of wholesale to business to retail payments, as well as for RBC’s payment modernization program. Ms. Burke is dedicated to serving the payments ecosystem through her on-going participation and leadership in the industry. An active speaker and panelist, Ms. Burke was named Women in Payments’ Distinguished Payments Professional 2016.
Ms. Burke currently serves on the Payments Canada board and is a current Director of Rise, a charitable board. Past board service includes several national and international boards and member groups including CPA board, Payments Canada MAC (past chair), Interac, Acxsys, CertaPay, and Mondex.
Ms. Burke joined RBC in 1985 and has occupied a wide range of positions, from product management to marketing and sales, and operations. Her career has focused both on payments and digital banking as well as business banking.
She holds a Master’s degree in Business Administration from McGill University and has obtained the Chartered Director (C.Dir.) designation from The Directors College (a joint venture between McMaster University and The Conference Board of Canada).
Anne is Vice-President, Policy, Research, Legal and General Counsel. She is responsible for leadership of the organization’s research, policy, legal, corporate secretariat and compliance services, and for advising the Board of Directors and its committees. Before joining Payments Canada in June 2015, Anne held a senior executive position at a Canadian life insurance company, where she held positions of progressive responsibility, including the legal, compliance, communications, and human resources teams. Anne’s areas of focus are policy development and the strategic management of legal and regulatory risks. She speaks frequently on payments law and compliance issues. Anne received her LL.B from Queen's University Faculty of Law in 1995 and was called to the Ontario Bar in 1997. She is currently a member of the Board of Directors of Volunteer Ottawa and the YMCA-YWCA National Capital Region. She is active in the Canadian Bar Association, and is a mentor with the Canadian Corporate Counsel Association.
Charles Carmakal is a Vice President with FireEye’s Mandiant Consulting organization. Mr. Carmakal is one of the company’s leading incident response experts. He oversees a team that has helped over a thousand organizations respond to complex security breaches orchestrated by foreign governments, organized criminals, and political hacktivists. Mr. Carmakal has 18 years of experience helping organizations become more resilient to cyber attacks.
Mr. Carmakal has significant experience helping Fortune 500 organizations build and enhance security programs to combat advanced attacks. He frequently provides strategic security guidance to executive leadership and boards of directors.
Mr. Carmakal has conducted television and print interviews by media organizations including 60 Minutes, CNBC, Wall Street Journal, Reuters, Bloomberg, New York Times, Washington Post, NBC News, and Fox Business.
Prior to joining Mandiant, Mr. Carmakal served in various leadership roles within PwC in the US and Australia. He received Bachelor’s and Master’s degrees in Decision and Information Sciences from the University of Florida.
Bob is the CEO of Chakra Advisors. In this capacity, he advises senior leaders at financial institutions, central banks, and FinTech companies about competitive, technological and regulatory forces shaping the payment system. In addition, he manages the Incumbents and Disruptors Blog focusing on the financial services industry. Prior to his current role, Bob was the Chief Economist at the Clearing House (TCH) where he oversaw all quantitative studies for TCH members. Before joining TCH, Bob was an economist at the Chicago and Dallas Federal Reserve Banks focusing on payment systems. Before joining the Fed, he worked at KPMG as an international economist. He has published over 40 articles in academic and industry journals and frequently speaks at industry and academic conferences. He has also been a visiting scholar or subject matter expert at the Bank of England, the Bank of Mexico, De Nederlandsche Bank (Dutch central bank), and the International Monetary Fund. Bob received his Ph.D. in economics from Brown University.
Soumak leads Deloitte’s payments and blockchain team in Canada. He is focused on assisting clients drive business value through new disruptive products, services and partnerships leveraging his deep expertise at the intersection of innovation, business and technology from strategy to execution.
As the leader of Deloitte’s Canadian blockchain team, Soumak assists clients across industries understand and apply distributed ledger technology concepts to their business models, technology infrastructure and operating processes. He has deep experience leading executive sessions and has led multiple blockchain based projects, strategy to technology prototyping, in specific financial services verticals like trade finance & payments, globally and in Canada. He co-leads Deloitte’s “Disruptive Innovation in Financial Services” project team with the World Economic Forum (WEF) and is a published author and speaker on the topic of Blockchain.
Jay Cherrie is an Executive Advisor at Appian Corporation (APPN). In this role, Jay works with senior leaders to meet today’s challenge of digital transformation using the Appian Low-Code Platform. Jay formerly served as Chief Technology Officer at First Republic Bank. In addition to enterprise applications, Jay was responsible for the engineering and data center deployments, governance and interaction of multiple development partners (including offshore) as well as overall enterprise architecture. Before First Republic Bank, Jay accumulated over 35 years of experience in Information Technology with firms such as Bank of America and Charles Schwab.
Cyrielle offers a wealth of retail and commercial financial services research knowledge and deep research experience across both quantitative and qualitative research. She has had an extensive international career in research and consultancy, working for agencies such as OMD and AMRB (Dubai), Millward Brown (Colombia), CoreData (Australia and the Philippines) and Euro RSCG (France), and now, with RFi Group, North & South America. Within these roles she has consistently conducted successful multi-country research projects across industries. Cyrielle joined RFi Group in March 2015 as Head of Client Insights, ANZ, before relocating to the Toronto office as the General Manager for North & South America. Prior to joining RFi Group Cyrielle was Senior Group Strategy Analyst for Australia’s largest insurance group, IAG. Cyrielle has two BBAs in International Business (Helia & Rouen Business School), and a Master's Degree, MSc International Marketing & Communication Management (ESC Toulouse). Cyrielle is an experienced speaker all around the world, with previous engagements listed below: • The Payments Canada Summit 2017, Toronto • The CPPO Symposium 2017, Toronto • The Insurance Analytics Canada Summit, Toronto • The Banking Growth Forum 2016, San Francisco • Women in Payments 2016, Washington & Toronto • Global Commercial Cards & Payments Summit 2016, New York City • The Middle Market Commercial Cards & Payments Summit 2016, Chicago • The Australian SME Banking Forum 2015, Sydney
Kim Cianci is a Strategic Partner Manager in Payments within Google’s Emerging Business Development organization. She manages global Network and Issuer relationships with a focus on the US and Canada. Responsible for scale and growth, Kim has developed processes to enable more than 1,000 banks In Google Pay, working with partners such as Interac, Visa and Mastercard.
Since joining Google in 2005, Kim has held a variety of roles spanning Learning and Development, global vendor program management, and advertising, training employees across regions and setting up vendor sites in the US and APAC.
Laurence is founder and CEO of nanoPay Corporation. Prior to starting nanoPay, Laurence was an independent management consultant with a focus on high tech and telecommunications. Most of his work is with private equity, equity analysts and wireless new entrants. Previously, Laurence worked with WIND Canada and was Vice President of Wireless at Shaw Communications Inc. He was also Chief Operating Officer of Bell Mobility and Bell Distribution Inc., a Bell Canada Officer and Director of Bell Mobility, Bell Distribution Inc., and DownEast.
CLS Bank International
Kerry Denerstein is a Regulatory Affairs Specialist at CLS Bank International, where she manages CLS’s relationship with the Federal Reserve, as well as the 23 central banks that comprise the CLS Oversight Committee. She is also responsible for monitoring, analyzing, and engaging with authorities on relevant regulatory and legislative developments, including those related to financial market infrastructures, cybersecurity, and emerging technologies such as blockchain and DLT. Kerry represents CLS on a number of industry bodies, including the Post-Trade Distributed Ledger (PTDL) Group. Prior to joining CLS, Kerry worked at Barclays Bank PLC in the Investment Bank Chief Controls Office, and was a corporate attorney at Baker Botts LLP. She received a bachelor’s degree in political science from the University of Michigan and a juris doctorate from Brooklyn Law School.
CIBC Capital Markets
Manulife Financial Corporation
Mel D’Souza is VP, Treasury Operations at Manulife Financial Corporation in Toronto, ON, Canada responsible for global treasury operations in the jurisdictions in which Manulife operates. Mel has over 30 years of progressive multi-faceted experience in professional and managerial roles in the financial services industry in Canada, Hong Kong, The Philippines, India and Australia. Mel is a member of the Canadian Treasurers Association, the Treasury Operations Committee of the Life Office Management Association (LOMA) and of the Board of Directors of the Association for Financial Professionals (AFP).
Milos has over 25 years of experience in senior technology roles having developed and launched innovative, commercially successful and award winning digital payments solutions based on mobile and chip card technologies. Winner of the TD Bank Group's "2017 Inventor Of The Year" Award. Milos holds a Master’s degree in Electrical Engineering with major in Computer Science from the University of Belgrade. Opinions are his own, not of his employers.
As Chief Operating Officer, Justin is responsible for the organization’s information technology and corporate functions, including operationalizing Payments Canada’s vision and strategic plan to become the centre of excellence for payments in Canada. Justin is a leading expert on large-scale organizational transformation with over 25 years of experience in the field, as both an executive and a consultant. He has worked with complex and sophisticated global companies (e.g. British Telecom, Unilever, Philips) and has been involved in many advanced and challenging public sector transformations, working across the political, executive and operational levels in federal, regional and municipal governments. Most recently, Justin was the President and Managing Partner of TotemHill Consulting, an international management consulting firm focused exclusively on large-scale transformation projects. Prior to that, he held Vice-President and Senior Vice-President Positions with CapGemini and Calian Technologies.
Chris Ford is the Managing Partner of Capco Canada. He also leads Capco’s technology practice, specializing in large program management and technology delivery.
With more than 15 years of experience, Chris has led a multitude of engagements including architecture, business delivery, development, functional and non-functional and infrastructure workstreams. His engagement experience spans across customer-facing online channels, business process management (BPM), content management, payments, and paper-based item processing for financial services.
Chris is a recognized thought leader in his field and has published articles on non-functional testing with emphasis on the performance and operability domains.
Prior to joining Capco, Chris worked as an independent technology consultant, and as a senior consultant at Deloitte Consulting. He holds a Bachelor's Degree in Systems Design Engineering with an option in Cognitive Sciences from the University of Waterloo.
Royal Bank of Canada
Lisa Ford has been dedicated to business product development for Royal Bank of Canada for over a decade. Since joining the bank in 2004, she has helped to launch new and innovative products for business clients in the areas of deposits, cash management, digital channels, foreign exchange, and payments. Recently, Lisa has been appointed as the senior legal advisor for payments, as part of the RBC Law Group’s Digital, Payments and Cards team. In this new role, she is responsible for enterprise-wide initiatives related to Payments Canada’s Modernization and the use of other networks and new technologies for global payments.
Viktoria Galociova is an Economist at Payments Canada.
Her recent work includes research on Canadian and international payment industry trends and international retail payment system research. Viktoria has recently published the “Canadian Payment Methods and Trends” reports in 2016 and 2017. Prior to joining Payments Canada, Viktoria conducted research relating to the economic impacts of oil prices, returns to higher education, the impact of socioeconomic factors on labour market outcomes and the impact of oil prices on housing markets.
Viktoria holds a Master’s Degree in Financial Economics and a Bachelor’s Degree in Economics and Business from Carleton University.
The Clearing House Payments Company, LLC
Ms. Gimbert serves as in-house counsel to The Clearing House supporting its payment businesses. In this role she provides primary legal support to CHIPS, a high value funds transfer system. She has also been closely involved with the development of the company’s Real Time Payment System. Ms. Gimbert is also responsible for following policy, regulatory, legislative and litigation developments in the payments, sanctions, and AML space and engaging with regulators and industry participants to advance the interests of The Clearing House’s payments company and its owner banks. Prior to joining The Clearing House Ms. Gimbert was counsel to the Federal Reserve Bank of Atlanta. She received both her B.A. and J.D. degrees from the University of North Carolina at Chapel Hill.
Ms. Adriana Gliga-Belavic is a Director in the PwC CyberSecurity & Privacy practice in the GTA and leads the Payment Card Industry (PCI) and payments security practice in Canada. She has over eighteen years of consulting experience in the areas of Cybersecurity, privacy, PCI and payments security in Canada the US and internationally.
Adriana works with both public and private clients to help them understand their treats and risks and build innovative strategies to strengthen customer information security and privacy while enabling business results.
She is a frequent speaker at security and privacy conferences and is actively involved with security and privacy forums in the development of cybersecurity and privacy though leadership.
Centre for Addiction and Mental Health
Dr. Goldbloom was born in Montreal and raised in Quebec and Nova Scotia. He completed an honours degree, majoring in Government, at Harvard University and then attended the University of Oxford as a Rhodes Scholar where he obtained an M.A. in Physiological Sciences. He trained in medicine and psychiatry at McGill University and is a Professor of Psychiatry at the University of Toronto. Dr. Goldbloom's activities have been recognized and awarded by his peers and students. He has authored numerous scientific articles and book chapters and has provided talks and lectures to student, professional and public audiences. He is the editor of two textbooks in psychiatry and co-author with Dr. Pier Bryden of the best-selling book “How Can I Help? A Week in My Life as a Psychiatrist”. He maintains an active clinical and teaching role at the Centre for Addiction and Mental Health where he serves as Senior Medical Advisor. He served as Vice-Chair and then Chair of the Board of the Mental Health Commission of Canada from 2007 to 2015. He is a member of the Boards of the Graham Boeckh Foundation, Jack.org, and the CAMH Foundation. In addition to his professional activities, Dr. Goldbloom is a member of the Board of Directors of the Royal Conservatory of Music and a past Chair of the Board of Governors of the Stratford Shakespeare Festival of Canada. He is an Officer of the Order of Canada.
Sarah leads Scotiabank’s business payment and receivable product team. In this role, Sarah is accountable for driving growth, enhancing operational efficiencies and creating a seamless customer experience for all business customers including small business, commercial and corporate. Sarah began her career as a Financial Advisor in 1998 and since has held progressively more senior roles in Branch Customer Experience, Mobile Banking and Global Transactional Banking. As an advocate for the customer, Sarah has spent her career focusing on simplifying processes, communication and products to increase customer value. Sarah has a Bachelor of Science from McMaster University and an MBA from Dalhousie.
Donald Gradwell has more than two decades of experience in some of the world’s leading banks, multi-national corporations and a top-5 consulting house, his present treasury re-organization has encompassed a complete overhaul of the global treasury operations for Hilton.
His compelling insight into the complexities of treasury operations is as a result of, his diverse international experience in every discipline of global treasury management (both bank and corporate), combined with treasury software development and implementation and C-level operational experience.
Donald’s holds degrees in Accounting, Banking and an MBA from Gordon Institute of Business Science, where majored in Corporate Finance and published a thesis on Treasury Management.
His professional goal is to achieve treasury operational efficiency through the harmonization of business policies and procedures through the use of treasury systems and other enabling technologies.
Donald is married with 4 children and currently lives in Maryland, in the USA.
Jeff Guthrie is the Chief Sales and Marketing Officer for Moneris. Jeff is responsible for Canadian revenues and partner relationships. Jeff joined Moneris in December 2000 and has 19 years of experience in the electronic payments industry, and over 40 years of experience in financial services. Prior to Moneris, Jeff was vice-president, Operations for RBC Royal Bank, Card Services. Jeff is currently a member of the MasterCard Canadian Advisory Board, and has served on both the Visa, Canada and Discover, North American advisory boards.
Tate is an economics graduate from the University of Victoria, Canada, and City University of Hong Kong. Between the ages of 16 and 23, Tate originated more than $250,000 in loans through sourced leads on Kjiji and Craigslist while maintaining a default rate of 1%. Currently, Tate is President and Founder at ZayZoon, a technology company giving more than 350,000 employees the opportunity to access their paycheck on-demand.
Deutsche Bank Trust Company Americas
Bank of Canada
Kim P. Huynh is a Senior Researcher Adviser in the Currency Department at the Bank of Canada. His research interests include industry dynamics, the economics of payments, and financial innovation. He holds a Ph.D. from Queen’s University at Kingston.
Federal Reserve Bank of New York
Ken Isaacson is Senior Vice President and Wholesale Product Manager at the Federal Reserve Bank of New York. Ken has management responsibility for the Fedwire Funds, Fedwire Securities and National Settlement Services on behalf of the Federal Reserve System. Ken previously served as the Federal Reserve’s Faster Payments Strategist, where he led the Federal Reserve’s Faster Payment Task Force effort to develop and approve effectiveness criteria for faster payment solutions in the United States. Ken also was the Chair of the Future Payments Team, responsible for research and analysis in support of the Federal Reserve Banks’ initiative to improve the payments system in the United States. Ken was the lead author for the Federal Reserve’s Strategies to Improve the U.S. Payment System paper published in 2015.
Mr. Isaacson has more than 20 years of payments, liquidity and bank supervisory experience at the Federal Reserve Bank of New York, is a frequent speaker at industry conferences, and leads or participates on numerous industry committees related to high value payment systems and Fedwire services.
Mr. Isaacson holds an A.B. degree from Washington University in St. Louis, and an M.B.A. degree from Columbia University.
Nadia Ivanova is Treasury Manager at SNC-Lavalin, a global fully integrated professional services and project management company and a major player in the ownership of infrastructure, based in Montreal, Canada. Nadia is responsible for the global banking structures and treasury transactions, including payments and is involved in various treasury activities and company-wide projects.
Nadia has over 15 years of experience in Corporate treasury with SNC-Lavalin, Transcontinental and Bombardier and in treasury operations and international transactions with BNP-Paribas.
Nadia holds MBA from HEC Montreal, CTP(CD) certification and Graduate degrees in Finance and in Management Information Systems from UNWE, Sofia.
Nadia is a member of the Board of AFP Montreal.
World Wide Web Consortium (W3C)
Ian Jacobs has helped lead the Web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making Web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations (Web standards).
Intellect Design Arena Ltd
Michel Jacobs is a recognized banking and payment expert who has led strategy, solutions and technology driven product innovation across the banking and payments markets on a global basis. Previously Michel was Executive Vice President- Enterprise Product Strategy with FIS Global where his responsibilities included Product Strategy responsibility across the banking and payment related product and services lines.
During his tenure at FIS Global Michel has participated in the formation of a new regional payments infrastructure in Asia, conversion of global financial institutions to real-time banking models in Europe, and the implementation of multi-channel customer centric infrastructure in some of North America's largest banks. Michel entered the banking and payments industry with S2 Systems, joined eFunds in 2005 as head of FI strategy and has had multiple sales, solutions and product executive roles within FIS Global.
Michel Jacobs is from Netherlands and graduated with a degree in Computer Science.
Jessica Johnson is executive editor and creative director of The Walrus. An award-winning journalist, she has contributed to a range of publications across North America, including The Globe and Mail, National Post, The New Republic, Toronto Life, and Lucky. From 2009 to 2015, Jessica was also the head copywriter behind the successful transformation of Hudson’s Bay, Canada’s iconic department store. Jessica graduated from the University of British Columbia’s Creative Writing program.
Canadian Tire Financial Services
Megan joined Canadian Tire Financial Services as Vice President, Financial Products and Services in July, 2017.
She is a seasoned leader within the Canadian Financial Services Industry. Prior to joining CTFS, she was at TD Bank, leading the MBNA business. Before TD, Megan worked at JP Morgan Chase and American Express in Canada in a variety of roles of increasing responsibility.
She has partnered with numerous retailers, banks, hotels and affinities to offer payment solutions.
Megan has served on numerous Boards, including UGO, MasterCard Advisory, Geneva Centre for Autism, and was Chair of the TD Financial Services Board.
Canadian Federation of Independent Businesses (CFIB)
Janet Lalonde is Director, Modernization at Payments Canada, responsible for the delivery of the AFT enhancements and industry adoption of ISO 20022 which are both important elements of Payment Canada’s modernization program. Janet has more than 20 years’ experience in the financial industry with a strong focus on the clearing and settlement of retail payments including paper processing, electronic payments and cheque image exchange. Janet is a former co-chair of the National Clearings Committee, mandated with the efficient operations of the Automated Clearing Settlement System (ACSS), and led the Payments Canada initiative to create a framework of rules and standards for cheque image exchange between Canadian financial institutions. She has presented at a number of industry events including AFP, Women in Payments, the Canadian Financial Operations Symposium, and Payments Canada's conference, Payments Panorama.
Yves-Gabriel founded his first startup in e-commerce at age 17. Since then, he has successfully launched his fair share of online businesses. Yves has since then moved his entrepreneurial focus to fintech. Before launching Flinks, Yves has successfully spearheaded the development of custom products dedicated to online lenders such as an automated decisioning platform based on financial transactions, and online identity verification tools to prevent fraud and improve the quality of underwriting. Identifying the need for a Canadian-dedicated financial data API, he founded Flinks in 2016 with a single goal: being the leader in financial data on Canadian market. Yves has managed to get contracts from Canada’s top20 financial software companies in only a few months of commercialization.
HSBC Bank Canada
Jude Leclerc is the Canadian Head of Global Liquidity and Cash Management (GLCM) Products for HSBC. In her role, Jude is responsible for setting product direction and go-to-market strategies for GLCM’s suite of Payments, Cards, and Liquidity products.
Jude has worked in the banking sector for 18 years in Canada and the United Kingdom (UK). For 10 years, Jude worked at the Bank of Canada and subsequently Payments Canada, the country’s clearing and settlement body, where she focussed on Payment Operations, Regulatory Policy and Government Relations. Upon her arrival in the UK, Jude joined HSBC’s GLCM Sales team. In 2014, Jude became the Global Business Manager for GLCM Financial Institutions Group (FIG), driving the formulation and execution of strategic initiatives, ensuring robust financial planning for the business, and centrally coordinating FIG GLCM’s global effort with respect to risk mitigating projects. After 7 years at HSBC’s global headquarters in the UK, Jude returned to Canada to lead HSBC’s Canadian GLCM Product team.
Jude is a graduate of the University of Ottawa (Canada) and holds both an Honours Degree in Communications and a Masters in Business Administration (MBA).
As a senior technology leader, Elena spent most of her career in IBM focusing on research and development, application of emerging technology and development of new products. Currently Elena is leading TD Bank startup-like technology team, experimenting with blockchain technology and applying it for financial services use cases. Her personal interests include digital identity and payments infrastructures. Elena also serves on the Board of Directors of TMAC-Toronto. Opinions are her own, not of her employers.
André Lyver is the Director of Engineering at Shopify, based out of the company's Montreal office. André manages engineering teams in Ottawa and Montreal who are focused on building out the payments and FinTech infrastructure being leveraged across the Shopify commerce platform. With over 17 years of payments and technology experience, André oversees Shopify Payments, global payment integrations, and represents Shopify on the W3C Web Payments Working Group. Prior to Shopify, he held several roles at Paysafe, including Chief Architect and Vice-President of Product Development. Andre holds a B.Sc. and M.Sc. from McGill University in Montreal.
Lisa Luinenburg is Vice-President, CIBC Payments, and is accountable for supporting the success of CIBC business units through the development and implementation of multi-year enterprise payment strategies and projects; including the Payments Modernization program for CIBC. Lisa joined CIBC in 1997 as a member of the Corporate Strategy Group from Deloitte Consulting. Over her 21 years with CIBC, she has held progressively senior roles in both Canada and the United States in retail and commercial payments, digital channels, mortgages, lending, marketing, Imperial Service, and innovation. During her payments career, Lisa led the development and launch of various innovative payment “firsts” for CIBC including: Email Money Transfer (eTransfers), the CIBC Mobile Payments App (the first commercially available mobile NFC payment solution in Canada), and most recently led the launches of Apple Pay and Samsung Pay for CIBC. Additionally, Lisa continues to represent CIBC at payments industry related forums, helping establish standards to ensure a safe, secure payment experience for not just CIBC customers, but all Canadians. Lisa holds an Honours Degree in Business from Ivey Business School and an MBA from York University.
Dr Andrew is the Director of Bergeron Entrepreneurs in Science and Technology (BEST) at. He teaches technology entrepreneurship and commercialization, based on his extensive research in this area.
At Lassonde engineering school, he constantly innovates the BEST experience, by enhancing students educational experience, supporting entrepreneurial ventures and working at the interface of technology and business (both as an academic and practitioner).
He is leading the BlockchainHub initiative at York University. The first of its kind in Canada, BlockchainHub brings together education, research and technology incubation, to catalyze the potential for Blockchain to transform society and disrupt existing value chains.
He is always delighted to engage with academics, students and industry on a regular basis to use his research to have a real impact on success rates.
Accenture Global Banking Lead, USA
Alan McIntyre is Accenture's Senior Managing Director for the Global Banking industry and is based in Accenture’s New York office. He is responsible for Accenture’s overall vision and strategy in the banking sector, investment priorities, client offering development, and supporting network of alliance partners.
Alan has nearly 30 years’ experience as a banking consultant, and has worked with bank c-suites in North America, Europe and Asia, steering many bank-wide transformation programs, and advising on multiple new business launches.
Before joining Accenture in January 2016, Alan was Oliver Wyman's Managing Partner for North America.
The Institute for Quantum Computing - University of Waterloo
Michele Mosca obtained a BMath at Waterloo in 1995 and was recipient of the Mathematics Faculty Alumni Gold Medal. He went to Wolfson College, University of Oxford, on a Commonwealth Scholarship, and received an MSc in Mathematics and the Foundations of Computer Science (with Distinction) in 1996. He continued at Oxford, obtaining a DPhil in quantum computer algorithms in 1999 while holding the Robin Gandy Junior Research Fellowship.
In 1999 he started Waterloo’s effort in quantum computing, with the support of the Centre for Applied Cryptographic Research, St. Jerome’s University, and his home department, Combinatorics & Optimization (C&O). He is currently Full Professor and University Research Chair in the C&O Department of the Faculty of Mathematics. He also has cross-appointments in Computer Science and Physics & Astronomy. He is co-founder and Director of CryptoWorks21, a training program in quantum-safe cryptography. He also initiated the Quantum Cryptography Summer School for Young Scientists (QCSYS) at IQC.
Michele has made major contributions to the theory and practice of quantum information processing, particularly in the areas of quantum algorithms, techniques for studying the limitations of quantum computers, quantum self-testing and private quantum channels.
IBM Financial Services Sector
Gene Neyer advises financial and technology companies on various aspects of Payment Modernization. He is a Chief Strategy Officer of Icon, current member of the GFFT (successor to the Fed Faster Payments Taskforce) and the president of Supplier Committee at BAFT. Previously, Gene was a Head of Industry and Regulation for Finastra, and an SVP, Head of Product Management for D+H and Fundtech. He has written and lectured on various aspects of global payments, real-time payments and blockchain and is a regular speaker and commentator at business seminars and conferences.
Chris joined Payments Canada in August as Principal, Organizational Development. His focus will be to facilitate the people side of change resulting from our Modernization plan, focusing on employee development, engagement and productivity. In addition, Chris will be a coach to key Payments Canada leaders and teams and will work closely with the HR Team to help develop and deliver a holistic talent development strategy for the organization.
Chris spent past 15 years at Alcatel/Alcatel-Lucent/Nokia in a variety of global leadership roles related to talent and organizational development. Chris was responsible for the development and delivery of a variety of programs tying employee development to business success. Chris also engaged in consulting initiatives with his client groups that focused on leadership and team development, effectiveness in times of change, strategic planning and execution.
Prior to working with Nokia, Chris was the learning and organizational development leader at Mitel Networks and has worked with and consulted to a wide variety of organizations in the high tech, post-secondary education, not-for-profit and public sectors. He is currently a Board Member for the Ottawa Network for Education (ONFE): an organization dedicated to connecting the Ottawa community in supporting student success from Kindergarten to Grade twelve.
Chris has a proven track record for implementing practical and lasting solutions in organizations of all kinds that enhance culture, effectiveness and profitability. Chris is an Adler-trained coach and has an undergraduate degree in Sociology from Carleton University (Ottawa, Canada) and a Masters degree in Human Systems Intervention from Concordia University (Montreal, Canada).
Michael is an experienced strategic consultant with a proven track record in creating and delivering high-profile banking and finance programs in politically sensitive and complex environments. Based in New York, he is currently spearheading Token’s mission to deliver a global market-changing open banking platform. He has a deep understanding of the rapidly evolving global payments landscape. Prior to joining Token, Michael lead crypto technology activities at CGI where he worked with clients to deliver practical uses of such new technology - a payments navigator for start-ups and banks alike. He was also responsible for innovation and strategy behind the company’s suite of payment solutions. Additionally, Michael has previously worked as a management consultant at KPMG London and as Chief of Staff at Citi Europe.
Marko Pavlovic is managing the real time rail products and market adoption at Payments Canada. He is a digital technology and strategy professional with more than 14 years of international experience in telecom, retail, quick-service restaurants and banking industries. He started career working on the information technology side of telecom industry (Rogers) and eventually transitioned to business roles (Austrian Telecom, Telenor). While at Tim Hortons, he was part of the team that launched their mobile wallet and digital Tim Card solutions. At RBC Royal Bank he was responsible for innovation in digital, payments and cards.
Mike has been a technology evangelist for the past 15 years. He has covered Retail, Manufacturing and Healthcare for most of this career with IBM, Sandisk, Lenovo and now Google. The goal for him as always been to push the boundaries of innovation at the customer level to help organizations on their cloud journeys.
Todd is a Partner in Deloitte’s Strategy & Operations practice. He is responsible for leading Deloitte’s payments efforts across several key, cross-industry initiatives and clients.
Prior to joining Deloitte, Todd was the Senior Vice President of Enterprise Payments and Innovation at CIBC. Prior to CIBC, Todd led the Corporate Strategy Practice at Deloitte and the North American Financial Services sector at Monitor Company. Todd has served on the Boards of various payments companies and industry stakeholder groups.
A dedicated partner and results-driven executive, Paul Roman has spent more than a decade at American Express Canada working closely with companies coast to coast to help solve their financial challenges, attract new customers, and grow their businesses. As the Vice President & General Manager of Global Commercial Payments, Paul is responsible for the strategic direction, management and growth of a market-leading portfolio of business clients and prospects that spans the small business, middle market, and global multi-national segments. Paul leads a national team of more than 230 employees who are focused on all aspects of the B2B payments space – from card programs and digital payments to vendor management solutions to and integrated working capital management solutions. Paul joined American Express in 2003 and since then has held a number of increasingly senior positions across the business, including in the Global Client group, Director of Implementation and Technical Consulting, Vice President of B2B acquisition, and Vice President and General Manager of the Small Business segment.
Stacy Rosenthal is a Senior Manager at Accenture focused on Payments. She is responsible for advisory, development and delivery of projects and solutions to meet the needs of our financial services clients. She has a depth of knowledge in global payments innovation, faster payments, standards and emerging technologies. Prior to joining Accenture, Stacy led Payments and the strategy for SWIFT for Corporates in North America. Earlier in her career, Stacy was a Senior Vice President in Global Treasury Services at Bank of America focused on Treasury Solutions Consulting across technology, payments and receivables. She went to University at Albany for her Bachelor’s degree and Long Island University at CW Post for a Master’s in Business Administration in Management and Technology.
ACS Insights LLC
Andy has over 25 years of financial services experience as an analyst, banker, and consultant guiding banks, vendors, and start-ups in making key business and technology decisions.
His primary focus is on payments technology including payment hubs, mobile payments, and emerging payment types. He has written extensively on anti-money laundering (AML) and Know Your Customer (KYC), and the need to leverage data to improve customer and bank outcomes.
Andy has also been widely quoted in such news outlets as The Wall Street Journal, American Banker, and NPR, and frequently speaks at Sibos, NACHA Payments, and private events around the world.
500 Startups Fintech Fund
Mike Sigal is a Partner at 500 Startups Fintech Fund and San Francisco-based Fintech accelerator. With over 225 investments in 26 countries, including Credit Karma, Grab, RealtyShares, Simple (acquired by BBVA) and Stripe, 500 Startups is the world’s most active early-stage investor supporting the digital transformation of financial services. Mike is also Co-Founder of Upside Partners, a Silicon Valley-based consultancy that helps corporations and institutions develop operational excellence in innovation initiatives through the application of startup and venture investor best practices.
Over the past 9 years, Mike’s been aligned with the accelerating innovation in the global financial services industry. As Founding Executive Producer of SWIFT’s Innotribe Startup Challenge and Industry Challenge programs, Mike built the world’s largest FinTech startup competition that has resulted in an estimated $850M in investments, acquisitions and partnerships between participating startups, SWIFT’s member institutions and FinTech investors globally. He serves as an Advisor to Payments Canada, Silicon Valley Ambassador for InnovateFinance, and a non-executive Director of the Digital Finance Institute.
Mike’s spent 25 years working in the global startup ecosystem as an entrepreneur & innovation advisor, including as founder of 7 companies (3 exits, 1 IPO) and advisor to dozens of institutions on implementing startup ecosystem inspired innovation strategies. He’s an active startup mentor and frequent speaker at startup and FinTech conferences.
Toronto Stock Exchange
Bobby Singh, CISO and Global Head of Infrastructure, is responsible for delivering secure and highly available common technology services across TMX. As a member of the executive leadership team, Bobby is defining TMX's cyber security and technology vision and strategy, to advance the organizational agenda. He is responsible for TMX's corporate information and IT systems and services, as well as all aspects of security, governance, risk, and compliance. He represents TMX in key forums focused on critical infrastructure, network evolution, intelligence, and availability. With more than two decades of executive experience, Bobby brings a wide range of technical and security knowledge to his current role. He has broad expertise in developing and implementing security programs for public and private sector organizations. Prior to joining TMX, Bobby has held positions at TD Bank, Rogers Communications and eHealth, where he designed multi-year technology and culture transformation programs. He received his MBA from University of Pittsburgh and holds CISSP, CISM, CISA and CPA designations.
Jeff Stewart has over 15 years of hands-on experience analyzing data in private and public settings as an independent business owner, Federal Government policy analyst, researcher and programmer. Originally from Kingston, Ont. Jeff holds a Masters in Cognitive Science and Public Administration, both from Queen’s University. His is the founder and former owner of Pressed, a local pub and music venue. His policy background includes work on labour market attachment and economic productivity, skilled-worker immigration and agricultural adjustment issues. He is a former database developer and his academic research focused on computational models for decision making. Jeff is married with two young kids and lives in Ottawa. Jeffrey is currently a business analyst at Payments Canada specializing in market research and intelligence.
Chantz leads the Consumer and Market Intelligence team at Destination Canada, Canada’s national tourism marketing organization. For the last 15 years, he has been focused on turning data, analysis and consumer research into opportunities for Canada. He is always on the lookout for new data sources, new partnerships and fresh ways to solve seemingly intractable problems. He has been a data scientist, a consultant, a programmer, a crafter of legislation and a restaurant owner. His current professional interests center around how to communicate and measure results meaningfully. He has a Masters of Science from the Massachusetts Institute of Technology and a Bachelour of Science from McGill University.
Sara Supple is Legal Counsel for Payments Canada. Since joining Payments Canada in 2010, Sara has provided legal advice and analysis on day-to-day operations, By-laws and Rules, and projects and initiatives ranging from cheque imaging to ISO 200022. Sara graduated from Carleton University (B.A. High Honours) before attending law school at Queen’s University and receiving her J.D. After completing her articles at the Ottawa Police Service, she was called to the Bar in 2009. In addition to her work at Payments Canada, Sara was a part-time professor at Algonquin College for several years before beginning her MBA as a part-time student at Carleton University.
Harinder Takhar is the CEO of Paytm Labs, the Toronto-based research and development division of Paytm. In his previous role, he led Paytm as its first CEO in India when Paytm launched in 2011. At Paytm Labs, Harinder is responsible for two key objectives: building Paytm’s machine learning and big data technologies; and growing Paytm’s presence in North America. Harinder holds a MBA from INSEAD and a Bachelor’s degree in Computer Science Engineering from the University of Delhi.
Kirsten Thompson is a partner at McCarthy Tetrault and leas the firm’s national Cybersecurity, Privacy and Data Management group. She has both an advisory and advocacy practice, with a focus on providing privacy, data security and information governance advice to clients in a wide variety of industries. Kirsten's work has focused most recently on the data aspects of financial technology, advising both fintechs and incumbents on data-driven innovation strategies in the financial services sector; including: • loyalty program development and integration; • mobile payment platform implementation and integration into Internet of Things connected devices, including consumer devices, civic infrastructure and vehicles; • de-identification, anonymization and aggregation approaches (including “screen scraping” and API technologies) in complex regulatory environments; • the development of alternative credit risk models; and • the development of insurtech and regtech solutions. She is one of Canada’s leading experts on “Open Banking” and the implications of PSD2 and related regulatory initiatives (e.g. competition, privacy, etc.) affecting the aggregation and use of customer information in the context of financial services. Ana Badour: Ana Badour is a partner in the Financial Services Group at McCarthy Tétrault and leads the firm’s national Fintech Group. She is also a Certified Anti-Money Laundering Specialist. She advises financial services entities, including financial institutions and Fintech entities on regulatory compliance matters, including with respect to consumer protection, anti-money laundering and other regulatory requirements. She holds a LLM in Banking and Financial Law from Boston University, a LLB from Osgoode Hall Law School, and a BMath (Operations Research) from the University of Waterloo.
During my 15 years with NACHA I have been responsible for payments innovation for end users of the ACH Network and for the payments industry. A critical component for successful implementation of payments innovation is standardization. Over the last several years my focus has also expanded to globalization and interoperability. For these reasons, I have extensively worked to leverage ISO 20022 messaging in several efforts include providing payment originators with the ability to send ISO 20022 payment instructions through the U.S. ACH network, receive and process ISO 20022 payments remittance and most recently send electronic invoices for B2B payment and remittance. The next opportunity that lay before the financial industry is the standardization of APIs. I created the API Standardization Industry Group in 2016 that is leading efforts and working to ensure the relevance of ISO 20022 in the micro-service environment.
His recent work has focused on domestic and international payment systems, evolving payment instrument use, and the use of the organization’s system data to inform strategic and policy initiatives. Since joining Payments Canada in 2006, he has published numerous papers, engaged in a wide-variety of research initiatives and served on tactical and strategic payments-related committees focused on rules and policies for POS, cheque, and AFT payments. Prior to Payments Canada, Michael held several roles conducting primary research and cultivating business intelligence for organizations, including The Association for Financial Professionals and Harris/Decima.
Kent Ulrich has Twenty three (23) years of experience working in the payments industry in both Canada and the United States. Kent has worked with variety of companies (TelPay, Ernex, and GTS Communications) that specialize in money transfer, bill payment, prepaid and gift/loyalty cards. As Head of Business Development for Canada with MoneyGram International he is responsible for supporting the agent network in Canada as well as product development and business expansion. MoneyGram has network of 350,000 locations in 200 countries and is a leader in global payments.
I've worked on Chrome at Google for 3 years. Among many things during this time, I've been leading the Desktop Web Payments effort, implementing and pushing forward the specification of the Payment Request and Payment Handlers APIs on Chrome's desktop platforms.
Airbnb’s travel marketplace is based in 191 countries, and was created with the goal of building a community where “Anyone can Belong Anywhere”. Logan Vander Linden is responsible for the commercial and processing relationships with Airbnb’s global payments partners. His role is focused on improving infrastructure through partnership in innovation, reducing costs through efficiencies, as well as evaluating and launching new partners on the Airbnb payments platform. This experience gives him a unique perspective on the global challenges and opportunities around B2C money movement, FX, and how to scale local payment operations on an enterprise level.
BMO Financial Group
Derek is accountable for defining and executing on BMO’s payments modernization roadmap supporting Commercial and Retail business strategies across North America. He’s currently the Industry Chair of the Payments Canada Industry Delivery Steering Committee. Previously, Derek led BMO’s North American Treasury Management team responsible for the design, development and execution of cash management capabilities supporting Commercial and Business Banking client segments. Derek joined BMO in 1998 and has held increasingly senior leadership positions across the Bank. He holds a Specialized Honours BA in Economics and Business from York University and an MBA from the Richard Ivey School of Business.
Cathy Vigrass is Head of Canada at Square. In her role, she is focused on the growth of Square’s business in Canada. Cathy leads the charge in bringing integrated payments and business tools to Canadian sellers that make commerce easier and more accessible.
Cathy has spent several years at technology and commerce companies in Silicon Valley. Prior to Square, she was the Head of Business Development and Product Operations at Sosh, a social platform for discovering local experiences. Her career has also included strategic and operational roles at eBay, where she worked on category management and corporate strategy, and Apple, where she focused on retail innovation.
Cathy holds a Bachelors of Arts from the University of Cambridge and an MBA from Stanford Graduate School of Business.
Brian Weiner is the Vice President and Head of Product for Visa Canada. His organization is responsible for the development and rollout of Visa’s full Canadian product suite, including its traditional credit, debit, and prepaid products, as well as its expanding array of digital products and capabilities. Since 2006, Brian has been an active member of Visa’s leadership team, responsible for shaping the organization’s strategy through one of the most dynamic periods in the history of the payments business in Canada. Looking ahead, Brian and his team are focused on re-imagining the future of payments in collaboration with many partners across the payments ecosystem in Canada and around the world. Brian has won multiple awards for his work in evolving electronic payments in Canada, and he was recognized as a global winner of Visa’s Go Beyond program. Brian has been in the Canadian financial services industry since 1997. He holds an MBA from the Schulich School of Business and a Bachelor of Commerce from Carleton University. Brian lives in Toronto with his wife Shelley and their two daughters.
Bank of Canada
Angelika Welte is a Senior Economist in the Economic Research and Analysis group of the Currency Department at the Bank of Canada. She joined the Bank of Canada in 2011. Her interests include applied econometrics, industrial organization and monetary policy. Angelika holds a Master’s degree in economics from Carleton University and a PhD in mathematics from University of Ottawa.
HSBC Bank Canada
Ed White was appointed Head of Operations for HSBC Bank Canada in June 2015. Ed’s journey with HSBC began in 1991 when he started as an Operations Graduate Trainee with the Midland Bank in the UK.
In addition to the UK and Canada, Ed has worked in Australia, New Zealand and the United States of America covering many areas of business like Cards, Trade, Branch, Clearing, Mortgages, Payments, Quality, Risk & Administration, Change Delivery, Call Centres, Collections and Consulting.
With Honors degrees in both Ecology and Finance, Ed also holds a number of professional qualifications including Chartered Member of Institute of Financial Services, Six Sigma Certification and Information Systems Exam Board Certification in Project Management.
Ed has chaired HSBC Bank Canada’s BC Lower Mainland United Way Campaign and is an executive sponsor of the Ability Employee Resource Group and Earth Rangers. Ed has been a Board Member for Payments Canada and now sits on their Members Advisory Council. He is a Director of HSBC Bank Canada Trust Company and sits on the Pension Advisory Committee.
Outside of work, he enjoys coaching and playing football (aka “soccer”), is a keen chef, avid reader, tinkering gardener and a long-suffering but passionate supporter of Newcastle United.
Duane Williams is Senior Manager, Product Platforms with Interac Corp. Duane develops innovative offerings that enable payments through Interac’s platforms and services. Prior to joining the organization, he lead several key money movement initiatives in Northern and Southern Africa. He is a seasoned product management professional with over 15 years of experience in delivering innovative and complex solutions to market. He has extensive knowledge and experience in money movement services in both business and consumer markets and has developed products that are used by millions of customers worldwide. Duane studied Computer Science at The University of South Africa, is PRINCE2 certified and holds qualifications in Product Management.
As the TTS Global Payments Regulatory Head, Stephanie Zee leads a team that is responsible for creating and driving Citi’s strategy to meet key regulatory requirements and address emerging risks across Global Payments. Stephanie Zee joined Citibank in May 2011 as the Director and Head of Cash Products for Canada. In this role she was responsible for the full suite of core cash management products including liquidity and investments, account services, channel services, receivables and payments. She also had accountability for the wholesale cards portfolio including commercial cards and prepaid cards. Stephanie has 25 years of financial services experience. Stephanie is a member of the Board of Directors for Citi Cards Canada Inc. and Citi Transaction Services Inc. Stephanie is a former Payments Canada Board Director. Stephanie holds a Masters of Laws Degree from Osgoode Hall Law School at York University, a Masters of Business Administration from the Richard Ivey School of Business at the University of Western Ontario, and a Bachelor of Science Degree from the University of Calgary.
Greg is the founder of SecureKey and brings more than 30 years of experience in fintech, security and mobile solutions to his role as Chief Executive Officer. Greg is a serial entrepreneurial whose earlier ventures include Footprint Software Inc., a financial software company he sold to IBM, and 724 Solutions Inc., a wireless infrastructure software provider he took public. He sits on several boards and has been recognized as one of Canada’s Top 40 Under 40, Entrepreneur of the Year and one of the 100 Top Leaders in Identity. Greg holds a Bachelor of Arts in Computer Science from the University of Western Ontario and a Bachelor of Science in Biochemistry and Life Sciences from the University of Toronto.