Breakfast Tuesday 8:00 - Tuesday 10:00
Refreshments and breakfast will be served in the Interactive Zone
Democratizing credit with AI Tuesday 8:30 - Tuesday 9:30
Most people need loans to make life’s biggest purchases – house, education, car and so much more. But not everyone has equal access to lending. Discrimination based on race, ethnicity, sex and/or religion is a huge concern. On the other hand, AI can also be perceived as a threat within the lending market. Will it compromise security? Will it be ethical? Will it be just as biased as humans can be? This conference offers a 360-degree view of the potential and challenges of democratizing credit with AI.
How can modern payment methods help increase efficiency for small business owners? From access to real-time funds for payroll to creating lower operation cost, there are clear advantages modern payments can bring. This panel will discuss current trends and how small business can benefit.
Paving the path to ISO 20022 migration – HVPS Tuesday 8:30 - Tuesday 9:30
This session will provide an overview of the high-value payments work going on globally, with a special focus on the migration from legacy formats to ISO 20022. SWIFT will share their plans on the global migration of MT formats to ISO 20022 and we will also hear from the Federal Reserve, Bank of England and Payments Canada on their respective plans and challenges.
Real-time payments and real-time fraud: Lessons learned from around the globe Tuesday 8:30 - Tuesday 9:30
Real-time payments is now a reality with more than 30 schemes live around the world. However, not every scheme has been successful. A mixed response to real-time payments has led to countless opportunities for customers and businesses in some countries, whereas in other countries, consumers have not fully embraced real-time payments. In addition, as the need for cleared payments in real-time increases, so do the opportunities for fraud to occur. As real-time approaches Canada, ensuring the success of the country’s new real-time rails is essential to ensure such opportunities aren’t passed by. This session will explore the reasons behind the mixed responses to real-time payments around the world as well as potential products and revenue opportunities. In addition, it will cover key environmental changes that banks need to make to ensure they are successful, such as speed of processing, strong resilience, and required back-office functions including exceptions handling and fraud protection.
Fighting global poverty with data Tuesday 11:45 - Tuesday 12:15
The potential of digital technology and data to end poverty and hunger at a time when new approaches are urgently needed. Today, the smart use of digital data and other related technologies should be made core to every major initiative and successful pilot initiatives should be scaled up to reach millions. At the same time, it is essential to have in place policy frameworks that protect individuals and support social good. Such approaches are rapidly transforming industry after industry around the world. But they have yet to be embraced in the fight against poverty, and that fight is at a pivotal moment. After 25 years of progress, which saw nearly one billion people exit extreme poverty, the global rate of poverty reduction has slowed from about one per cent a year to as low as 0.5 per cent. More alarming, poverty is rising in Africa and now stands at 41 per cent. Meanwhile, global hunger is near a ten-year high, with one out of every nine persons chronically hungry. Critical to helping is understanding. Yet we know surprisingly little about the needs and opportunities of those living in extreme poverty, 70 percent whom are smallholder farmers and their families. Digital data-flows – facilitated by mobile phones, smart programs and powerful partnerships – allow us to understand the individual circumstances, behaviors and motivations of the poor. Opportunities to accelerate the fight against poverty apply not only to agriculture, but also in health, citizen agency and many other key areas for the poor. These can be applied across the landscapes of aid, social investment, government service and humanitarian relief.
Innovation in retail payments: What can we learn from Asia? Tuesday 11:45 - Tuesday 12:15
A lot of payment innovations took place in China, Singapore, Japan and Korea in the past 5 – 10 years. Adoption of mobile payment took off at an accelerated pace, especially in China. The WeChat and Alipay ecosystems are growing with more innovative payment technologies that Canadian banks and businesses should pay attention to. What is applicable to the Canadian payment landscape? What are fads vs. real payment innovation?
Modernizing government payments: Bringing digital payments to Canada Tuesday 11:45 - Tuesday 12:15
Governments have traditionally been laggards when it comes to bringing new and innovative form of payments to their constituents. Barriers to modernized payments include cost, the need for richer remittance data and disparate departmental accounting systems. This session will discuss recent successful payment disruption & implementation case studies that overcame these barriers including: the Canada Revenue Agency and the City of Ottawa. Topics discussed will include: ISO2022, public/private partnerships, the impact of faster payments for both constituents and government coffers, and better use of government resources.
Beating the buzz: Building brand awareness that lasts Tuesday 12:00 - Tuesday 12:15
With $55B invested in fintech in 2018 it receives no shortage of attention. But tech companies are notorious for getting a flash of attention then flaming out. Learn how to avoid the pitfalls of “buzz” and get the secrets to building long term credibility and awareness in the fintech industry.
Payments tokenisation: The path through the minefield Tuesday 12:00 - Tuesday 12:45
Tokenisation of payments will have a profound impact on retail and business to business payments. Tokenisation schemes can fundamentally change the relationships between the networks, issuers, merchants, application providers, payments processors – and the cardholder. Canadian stakeholders in payments recognize this, and are furiously positioning for their roles in this new world. In particular, the card networks have developed payments tokenisation services for their respective card brands. Visa, MasterCard and Interac tokenisation services are not the only (or necessarily the best) option available to merchants, issuers or processors. What are the true business, product, service and strategic risks and opportunities payments tokenisation offers to Canadian stakeholders? And how should Canadian stakeholders respond? This presentation examines payments tokenisation from the perspective of their fit with the business objectives of Canadian merchants, issuers and processors. It provides a critical assessment of the real value, shortcomings and implications of entering into a tokenisation program. Included in the presentation are the results of a statistically valid Canada wide survey on the market for payments tokenisation. As a result of this presentation, attending issuers, merchants and processors will have received an essential guidance and direction for the development of their tokenisation business case and strategy.
The power of AI in your mobile phone Tuesday 12:00 - Tuesday 12:45
The power of Artificial Intelligence / Machine Learning doesn’t have to be restricted to solutions that require the power of cloud based Graphic Processing Unit (GPU) server farms. Trained Convolutional Neural Network (CNN) model can instead be embedded into an app on a personal device, such as ordinary mobile smartphone. This presentation will introduce the audience to the basics of neural networks, explain why convolutional neural networks are used for object recognition, and will walk you through the required high level steps of training a specific real-time object recognition CNN and embedding it into the demo mobile phone app. The presentation will also include a live demo of the prototype app for digital ‘money counting’, which requires no internet connection and no cloud servers, as all object recognition and classification is done in real-time, 100% locally by the phone CPU and off-line. The perfect example of innovation which is pushing the boundaries of Artificial Intelligence, Machine Learning and Neural Networks to the new level and showing the Art Of Possible.
How to unleash the power of fintechs to accelerate innovation Tuesday 12:15 - Tuesday 12:30
Creating a fintech-bank partnership is only the starting point, how to make this partnership work is where the real work begins. Rob Palmer (CCO at Buckzy) and Bank Executive share what the challenges are on both sides of the spectrum from start up to large bank and how they can work together to accelerate innovation.
Payments and fraud prevention: A critical partnership in managing change Tuesday 1:00 - Tuesday 2:00
"The only constant is change" (Heraclitus) certainly applies to Payments. We see this in the entire Payments Modernization process but also in consumer demand for frictionless, interoperable payments; with new payment players; and in trends like Open Banking. While this change is driving great benefit, it also drives risk, especially in terms of Fraud. There's lots of talk about "does faster payments mean faster fraud" but organizations also need to consider how fraud process and technology will protect and work within the growing complexity of payments. Do your fraud solutions create intelligence and prevention across channels, products and across the payments lifecycle (from origination to collections)? Can AI for fraud be your avenue to a truly holistic and proactive view of customer behavior? And is your Enterprise Fraud Strategy ready for these complexities? Join us as our global fraud expert presents industry trends, drivers and best practices and a panel of experts talk about how they are preparing for this complexity and creating even tighter relationships between payments and fraud.
DLT developments for payments, clearing, and settlement Tuesday 1:00 - Tuesday 2:00
The Bank of England Staff Paper 670 (2017) characterizes DLT as both a radical innovation (i.e. one that has high impact), as well as a systemic one (i.e. one that affects the entire value chain and not just one or a few components). But at this stage, it’s not clear how DLT might ultimately affect the post trade sector – whether the impact will be radical and/or systemic. This panel bring together representatives from the public and private sector to discuss the current use of blockchain for payments, clearing, and settlement activities and what the potential landscape may look like in the near and distant future.
Immediate cross-border payments Tuesday 1:00 - Tuesday 2:00
Despite the technology advancement and payment industry advancements, the cross-border payment segment remains pretty much the same when considering costs, latency, transparency and efficiency. This is most apparent in countries with an underdeveloped financial infrastructure. As the world gets more and more connected, the need for simpler, faster and more cost-efficient money transfer continues to grow. This session demonstrates a working real-time payments solution addressing all the key challenges in the cross-border industry.
Payments convergence: Myth or reality? Tuesday 1:00 - Tuesday 2:00
Historically payments have developed in silos with different standards, infrastructure, geographical boundaries, use cases and end-users. Roles were clearly defined and access was tightly controlled. The move to open and instant payment rails is an opportunity to review the blueprint for payments. Driven by digital interactions in both payments innovation and the wider environment, customer and merchant expectations are growing towards an instant, integrated, multi-channel, yet personalized payments experience. Some payments may be initiated across one channel and completed via another. Others deeply embedded into the transaction context with the inter-bank rails almost invisible. The money movement itself is increasingly a commodity and payment providers are looking for new ways to drive value, increasing customer loyalty and engagement. This session will focus on examining the trends towards payments convergence, identify business models that are emerging, and discuss how to future proof payment infrastructures to embrace new opportunities.
Best practices in delivering data-rich real-time payments Tuesday 1:00 - Tuesday 2:00
This session will highlight the work of the Real Time Payments Group (RTPG) under the ISO 20022 umbrella. This group created and published the global RTPG market practices and continues to evolve the practices to meet the needs of the growing number of real-time systems that are adopting ISO 20022. Discussion will include how the market practice group operates and the presenters will share some practical implementation stories.
Consumer protection in the age of faster payments Tuesday 2:15 - Tuesday 3:15
This session will evaluate the need for faster/improved payments in Canada, including speeding up availability and certainty of payments, processing of payments and settlement, working towards ubiquity, competing on a global level, discussing industry initiatives related to faster payments, understanding legal frameworks for payment systems, the impact of risk management, compliance, and regulatory issues for operators and participants, and faster/improved payment products from the customer/end user perspective (consumer and corporate).
Prepaid: A core capability for Paytech growth in Canada Tuesday 2:15 - Tuesday 3:15
Prepaid has been classified as a niche product, adept at filling gaps in the current payments system. But it has emerged as a core capability for Paytech growth in Canada. The Canadian Prepaid Providers Organization, Northcard Research, Peoples Cards Services and Mastercard will present new research on the economic and social impact of prepaid cards. In this session participants will learn how prepaid can be used as a capability to build the next generation of disruptive Fintech services along with use cases where prepaid is driving change today.
Reinventing payments: Perspectives from global banks on modernization in Canada Tuesday 2:15 - Tuesday 3:15
Canada is in the middle of a multi-year initiative to completely modernize its infrastructure of payments clearing and settling, which will result in data-rich, faster and safer payments for all. This panel will deliver an in-depth discussion around payments modernization, lessons learned from other programs around the world, and insights into benefits and efficiencies from senior payments experts representing Global Systemically Important Banks (GSIBs).
Beyond open banking: Competing in an era of software platforms and ecosystems Tuesday 2:15 - Tuesday 3:15
The world is moving to software experiences, and competition is shifting to platforms and ecosystems. In this session we’ll discuss open banking APIs and payments and strategies to remain relevant.
ISO 20022: Starting the conversation with your CFO Tuesday 2:15 - Tuesday 3:15
ISO 20022 is a global messaging standard that allows more data to travel with electronic payments bringing higher efficiency to the way payments are processed. What’s the best way to showcase ISO 20022’s importance to executives at your organization? This sessions gives insight on how to get the conversation rolling.
The real rush for real-time payments in the digital economy Tuesday 2:15 - Tuesday 3:15
In today’s on-demand world, we expect to be able to spend, move and receive money instantly. For this reason, real-time payments (RTP), also known as ‘faster payments’ or ‘instant payments’, are gaining momentum globally. However, currently, many financial institutions have an infrastructure and a good customer base, but they are typically burdened by legacy systems. Many payments solutions are outdated, and interfaces are not intuitive. What is the best way forward, what is the value proposition and what are the steps required to enable RTP? To be able to achieve RTP, and at the same time support traditional ways of managing payments, domestic and international, it typically requires you to be innovative and transparent, including building ecosystems that are trusted by your customers and business partners. You need a reliable, scalable and secure payments infrastructure, supporting both today’s and tomorrow’s business needs. In this presentation we will share best practices on how to get there through real life examples both from an IT and business perspective, from countries which have implemented RTP, and what should be improved to be able to digitally enable and optimize payment applications.
Fraud protection for real-time payments Tuesday 3:50 - Tuesday 4:05
Real-Time payments and Banks’ ongoing Digital Transformation are creating unprecedented opportunities for the bad guys and pressuring banks the world over with increased losses and brand erosion. Traditional detection systems are not keeping up which will culminate in a watershed moment when real time rails are introduced in Canada next year. Fraud will quickly move to the least protected market participants, while those with more advanced capability may be able to provide more differentiated offers to their clients. In his keynote address, Constantin will draw on IBM’s experience in protecting real time rails in the UK, France, Portugal, and Australia, and discuss how Canadian payments participants can better defend themselves and protect their customers. Topics will include lessons learned in more than 10 years of safe-guarding real time payments, and the roles that both the central switch and the banks play in protecting consumers.
Digital ID and commerce: The convergence of payments and identity Wednesday 8:30 - Wednesday 9:30
More than ever customers are turning to online marketplaces to purchase goods and services, and the number of e-commerce users will only continue to grow. How is consumer data being managed presently, and how will digital identity both give control back to the consumer, and create a seamless payments experience? In this panel discussion, payments experts will discuss the current-state of data management, the impact of digital identity to the commerce workflow, and the benefits of digital ID to both the consumer and the retailer.
The future of mobile payments in Canada Wednesday 8:30 - Wednesday 9:30
While more than six out of ten smart phone owners have made a mobile payment over the past six months, the vast majority of these have been remote payments (bill payments, or transfers, online payments, etc.). In-store mobile payments have struggled to gain traction. This presentation will provide insights into the opportunities and challenges facing mobile payments in Canada and compare it to other jurisdictions. It will also identify the key factors that having been holding mobile payments back.
Making money from moving money Wednesday 8:30 - Wednesday 9:30
In this moderated panel session, recognized payments experts will discuss new ways of looking at payments modernization. This session will give ideas to guide, plan and maximize your investment, while enabling rapid realization of new revenues throughout and beyond the lifespan of today’s change. In this session, you will hear: - How focus is shifting globally to the Payment Service User, typically the retail or commercial customer of a Financial Institution, and what Canada’s modernization journey needs to learn from this - A discussion of the key actions required to prepare your infrastructure for the needs of tomorrow’s payment service users and to deliver services that allow you to compete in tomorrow’s payments market - Global case study examples and user stories from the world of payments, and how these can be applied to Canada
From closed to open banking: How compliance leads to innovation Wednesday 8:30 - Wednesday 9:30
Does Open Banking represent an opportunity, a burden, or both? Across the globe, regulators are mandating new ways of doing business, often through APIs. In essence, banks have been obliged to open up customer data to authorized parties--but generally may not profit from doing so. In this session, Tom argues that far from signaling the API-pocalypse, Open Banking actually means new business models and new revenue streams for institutions that properly prepare. In Europe and elsewhere, organizations that once viewed Open Banking as a threat are now becoming Third Party Providers, while a new breed of fintechs are aggressively leveraging a transformed financial technology landscape. In response to this seismic shift, IBM has introduced an Open Banking Platform to help banks and fintechs profit together from what may drive the biggest change in customer behaviors since the smartphone and mobile banking.
Evolving financial services to meet future needs of the Canadian workforce Wednesday 10:05 - Wednesday 10:20
The move toward more entrepreneurial sources of income are combining to fundamentally shift the ways in which people work and earn a living. Traditional financial services were primarily designed to serve people employed at a nine-to-five job by a single employer, oftentimes for their entire careers. Millennials are now the largest generation in the working population in Canada and they have different expectations about how they work and manage their finances. Women now make up a larger percentage of the workforce than ever before and they have unique challenges associated with work and financial health. Today, we have the opportunity to build new financial services to better serve the needs of the Canadian workforce who may be particularly underserved by existing products and services.
Digital payments in developing economies Wednesday 10:20 - Wednesday 10:35
Imagine living in a country with two different economies: One for business and the wealthy few, using cards and electronic payments; and one for everyone else, using cash. It’s a story defined by inequality. Now, imagine living in a community where most people don’t have a bank account, but nearly everyone has access to a mobile phone. This is already the picture for most of the 260 million people living in southern Africa. The rapid spread of mobile technologies offers a unique chance to make a real difference to economic development and financial inclusion – and as India is showing, payments infrastructure is key. At BankservAfrica, we want to be part of that change.
Using Artificial Intelligence to uncover new, increasingly sophisticated patterns of financial crime Wednesday 10:35 - Wednesday 10:50
Over the past year we’ve seen a dramatic change in the speed and scale of fraud and money laundering, as well as the emergence of new patterns of illicit behaviour. We’ll share with you the latest insights from the world’s only live network-level money laundering solution, including: -The latest emerging types fraud and scams -The dramatic increase in the speed at which illicit funds are dispersed -How technology is being employed both by the fraudsters and those trying to stop them
What the world can teach Canada about Fintech Wednesday 10:50 - Wednesday 11:20
Canadian usage of a fintech product in the last six months is 50 per cent less than the international average. What factors contribute to Canada’s adoption rate? There is no question Canada’s fintech sector is thriving, so how do we close the adoption rate gap?
Transportation in a friction-free, plastic-free world Wednesday 11:45 - Wednesday 12:15
We are in the midst of a transportation revolution. Billions of dollars are being poured into connected cars, autonomous vehicles and smart cities. With the rapid investment, experts predict more and more connected cars on the road in the coming years, more ride-sharing and fractional ownership and autonomous vehicles on the road in the next decade. As a result, companies need to plan for this change and recognize that the source and flow of payments is being disrupted, as well. We’re moving toward a friction-free, plastic-free future. Card not present is taking on a whole new meaning. In this session, we’ll examine the current landscape, consumer trends and examine what companies need to do to innovate for the future.
The Payments File Validation Service (PFVS), a Payments Canada service, powered by XMLdation Wednesday 11:45 - Wednesday 12:15
The PFVS is an optional and flexible new online service that Payments Canada is now offering to Canadian FIs. Powered by XMLdation, the PFVS makes integration between banks and their customers faster and easier, which means a much smoother on-boarding experience. PFVS enables real-time editing and online validation of test payment data against the requirements of ISO 20022, as well as other payment file types and business rules. This provides FIs that choose to subscribe with a flexible, efficient way to ensure that payment files they receive from their corporate clients are formatted correctly for that institution. This will be invaluable during the industry-wide migration to ISO 20022 in Canada. See a demo and hear from FIs about how they will use the PFVS to improve the payments setup process and deliver a better client experience to their customers for ISO 20022, CPA Standard 005 (EFT/AFT), ACH, and proprietary payment file formats.
Canada, post payments modernization: Why consumers will be the real winners Wednesday 12:00 - Wednesday 12:45
In a world where emails are free, why should payments cost anything? Once the payments modernization plan is fully executed and allows for increased access, expect new business models and strong competition to emerge. Consumers will be the real winners.
Protecting consumers and banks in the digital age Wednesday 1:00 - Wednesday 2:00
In this deep dive session, you will learn about the challenges and solutions to better defend emerging digital channels, including real time payments, digital onboarding, and multi-channel fraud. You will see a live demonstration of a “3rd Generation” fraud prevention solution that uses actual customer data to develop a fraud detection model in minutes. Constantin and Richard will expand on real-time fraud prevention to address the challenges of protecting the consumers and banks in the digital age, covering the role of both real time and modernized payments in enabling more digital commerce. Topics to be explored will include the real time payment discussion, the intersection of security, authentication and fraud detection, and the need for an Intelligent Risk Decisioning Platform.
The gig economy: Payments and the changing face of employment in Canada Wednesday 1:00 - Wednesday 2:00
The nature of work and employment is fundamentally changing. With the rise of on-demand workers, flexible schedules and short-term gigs, participants in the payments network are demanding their funds more quickly. Learn how several industries are facing this challenge and see which ones won’t survive.
The many perspectives of open banking Wednesday 1:00 - Wednesday 2:00
Open banking touches a myriad of industry participants- from banks to aggregators to online small business lenders. This panel will explore how the market works now and how policymakers can help create a robust open banking marketplace to allow consumer and small businesses to safely enjoy the many benefits of open banking.
Fighting the good fight: How merchants are grappling with cyber-security and fraud Wednesday 2:15 - Wednesday 3:15
During this session, Larry Brennan will help merchants understand current cyber-security and fraud risks, the potential impact on their businesses and how to mitigate them.
Mastering Swift MT and ISO 20022 (XML or JSON) coexistence Wednesday 2:15 - Wednesday 3:15
This session will answer key questions on how your business can master coexistence between Swift MT and ISO 20022. We understand that every requirement is different and whether your 20022 solution requires XML or JSON the same challenges await and this talk takes you through these challenges and how to implement a solution that is future proof to sustain changes to any standard.
The pathway to real-time treasury Wednesday 2:15 - Wednesday 3:15
With mounting pressure to improve controls and efficiency and to free up trapped cash, the real time treasury is a concept that has grown in popularity over the last few years. With real-time treasury, corporations can unlock trapped global liquidity and surplus funds can be invested automatically according to treasury-determined preferences for risk, return and diversification. Cash-flow forecasts are generated and updated in real time. FX conversions are carried out automatically and in real time. Today, corporate treasury teams are looking for deeper insight into their global liquidity positions, with real-time information, transparency and straight-through reconciliation across multiple banks. Ever-changing regulatory landscape, the proliferation of Open Banking and the adoption of real-time payment schemes enables the industry to make considerable progress and is inspiring a new generation of cash and liquidity management solutions – solutions which are transforming both corporate treasurers’ expectations for treasury management system capabilities and client expectations for financial institutions’ treasury services. This talks combines recent research and expert views in an attempt to assist corporate treasuries to plan for the future real time world.
Open Banking has the potential to completely revolutionize the way we spend and save money, however in order to realize the benefits, we must be willing to share personal and financial information. This panel will discuss adoption, security implications and data.
T+0: CDIC’s audacious goal Wednesday 2:15 - Wednesday 3:15
At CDIC, we are investing in our data processes to dramatically reduce the time it takes to reimburse deposits in the event of a failure. Within five years, we aim to build a payout capability able to reimburse depositors on the day of failure (T+0). To achieve this audacious goal, we need to work closely with member institutions and financial professionals to facilitate the quick and accurate payment to depositors. Among our challenges will be to avoid keeping depositor data at CDIC to reduce cyber risk and protect privacy, and the challenges associated with sending same-day reimbursement to thousands of depositors who no longer have a bank.
The culture journey to agility Wednesday 4:20 - Wednesday 4:35
The financial services sector is facing unparalleled levels of increasing disruption. The success of today's leading organizations relies on its agility and the strength of its people. Organizations are reinventing themselves to not only respond, but thrive in the face of this digital evolution. Mark Blucher, President & CEO of will provide an overview of Central 1's transformation journey to deliver market leading innovation and products to Canada’s credit unions.
Corporate banking: Digital strategies for the next generation Thursday 8:30 - Thursday 9:30
Boston Consulting Group reports that while 86% of global corporate banking executives agree digital will impact business economics and competition, only 43% have a digital strategy. Meanwhile, corporate treasurers have rising expectations of bank services and continue to challenge the status quo. How can banks partner with their corporate clients and technology providers to spark innovation? Hear both corporate and bank perspectives on identifying and overcoming challenges in payments, corporate banking services, and partnerships.
Emerging digital identity and authentication services Thursday 8:30 - Thursday 9:30
This panel is blazing the path forward, demonstrating leadership and ingenuity through new approaches and themes in service delivery for online and mobile channels. EnStream’s Chief of Digital Services Robert Blumenthal will lead the discussion to review emerging digital identity and authentication services, that thwart identity theft and allow Canadians to transact with trust. The audience will learn through real-market commercial examples, how EnStream is working together with Canadian Financial Institutions and lenders, to help bring exciting next-generation solutions to market.
Retail payment innovations: Building future-ready businesses, today Thursday 8:30 - Thursday 9:30
The next generation Canadian is a digital citizen, well-informed and tech-savvy. To attract and retain these customers, banks need to innovate and give their customers unique experiences. J Take a deep dive into future payment trends like omni-channel acquiring, adaptive authentication, payments modernization and auto-bots in reconciliation and settlement. Learn how they could be implemented in your portfolio to build more relevant business specific applications. Join industry leaders as they explore how the latest payment innovations will create a positive impact on your business.
Digital innovation & payments modernization delivering first-to-market solutions for businesses Thursday 8:30 - Thursday 9:30
Over the last three years Scotiabank has revamped its Global Business Payments to create an agile environment focused on digital solutions that deliver a better customer experience. In addition, Scotiabank has established an Enterprise Payments Office to link payment solutions – both retail and business – to quicker market delivery. By establishing an organization structure that combines business and technology, a focus on microservices and a platform for accelerated development, Scotiabank has been delivering first-to-market payment products to its business customers. This in-depth discussion will look at how Scotiabank has been using Agile methodology and developing reusable solutions to transform the end-to-end customer experience.
Will regulations stifle the next big breakthrough in payment technology Thursday 9:45 - Thursday 10:45
With AML regulations being the hot topic especially in the virtual currency space, will this slow down emerging technology using the blockchain and crypto-curreny in the payment industry. A discussion on how regulations will affect innovation in the payments space.
Evolution or revolution: Cyber security and privacy risks in faster payments and open banking Thursday 9:45 - Thursday 10:45
In the last couple of years you have seen a flurry of activity in Payments. The digital revolution has made it easier and faster than ever before for consumers to pay using their phone, watch, social media or even their face. With change comes opportunities but also challenges for those participating in the ecosystem. This panel will bring together industry experts to discuss the evolution of Cyber Security and Privacy risks within the context of ever evolving faster payments and open banking, lessons learned from other jurisdictions and how taking an integrated approach can help organizations succeed.
Canadian Payment Methods and Trends: 2018 findings Thursday 11:00 - Thursday 12:00
This session will feature researchers from Payments Canada discussing consumer and business payment findings from the latest industry and market research. The presentation will provide insights into the environments where traditional payments and emerging payments are competing.
The intersection of Fintech and policy Thursday 11:00 - Thursday 12:00
The marketplace for payments in Canada is changing. New technology is driving innovation to both products and services to help Canadian consumers make purchases. Various Canadian policymakers are considering proposals to adjust the policy landscape to reflect these changes. This panel will explore how policymakers should consider new payments technologies.
Converting loyalty to purchase at the point of sale Thursday 11:00 - Thursday 12:00
Discussing the opportunity to convert Loyalty points to purchase for everyday items across the spectrum of retailers using mobile.
Lunch Thursday 11:30 - Thursday 1:00
Refreshments and lunch will be served in the Interactive Zone
Beyond the transaction: How to make money in a world where payments are free Thursday 12:55 - Thursday 1:10
The secular trend is that payment transactions in both the retail and corporate sectors will become free. In that challenging world, payment transactions will become a carrier wave for data and information products and services that will add value to the payment, extract insights from payment flows, and create new income streams for payment service providers. In this presentation Alan McIntyre will lay out a framework for understanding data-driven payments and how industry players need to navigate a challenging future landscape by going beyond the transaction.
A view from Europe: The impact of open-banking, PSD2, SEPA and Brexit Thursday 1:25 - Thursday 1:55
The European financial sector is experiencing massive positive transformational change. Open banking and PSD2 are fostering innovation, competition and efficiency to increase consumer choice and enhance security, SEPA is harmonizing cashless payments. How will Brexit impact all of these initiatives, and what does the future of money look like for Europe?
Dataful rails: Realizing the promise of ISO 20022 Thursday 2:10 - Thursday 2:40
ISO 20022 is more than just a payments standard. Pervasive ISO 20022 adoption will turn payment rails into true data rails. It will help deliver valuable financial services to FIs, corporates and consumers, while making economies stronger, more interoperable and more intelligent. But how do we get there when today’s systems don’t support it, and when end users that can most benefit from it, don't understand it. The panel will examine this challenge, the best practices of organizations that have address it, and unveil what 20022 Labs is doing to help solve it in Canada and globally.
Isabelle works in the SWIFT Standards Team and leads the SWIFT Standards Market Practice Team.
Isabelle is responsible for the High Value Payments Plus initiative which plays a key role in the harmonised ISO 20022 implementation by Market Infrastructures worldwide and is leading the Cross Border Payments and Reporting Plus project which is a major pillar for a successful ISO 20022 migration in the many to many space.
She also is a SWIFT representative in the SEPA European Payment Council working groups (Instant Payments and Direct Debits) and in the ISO Real Time Group.
Isabelle joined SWIFT in 2014. Prior to joining SWIFT, Isabelle was a Corporate Product Manager for France and Belgium at Deutsche Bank.
Isabelle is a Belgium citizen and works in SWIFT La Hulpe, Belgium.
Scott Harkey leads the Payment Practice at Levvel, a consulting firm based in Charlotte, NC. In this role, he advises a number of US, UK, Australian, and Canadian banks, digital wallets, merchants, acquirers and startups on their digital payment strategy, payments architecture, custom application development, and vendor integration efforts.
Prior to joining Levvel, Scott was a Technology Executive at Bank of America managing the bank’s Digital Wallet technology. In this role, he was responsible for accelerating the bank’s progress to becoming a leader in digital payments through the launch of multiple strategic payment products. He also managed partnerships with Softcard, Apple, Google, Samsung, Microsoft, Visa, Mastercard, American Express, The Clearing House, and other key players in this space. This experience, combined with an additional 10 years of technology merger integration and IT operations outsourcing at Wells Fargo, gives Scott a true insider’s point of view. It also demonstrates a proven track record of delivering to banks, technology providers, and merchants operating in the digital payments space.
Scott holds a number of payment related patents, is a frequent speaker on digital wallets and payments, and plays an active role in fostering a Fintech culture in the Charlotte community. He holds an MIS degree from UNC Charlotte and an MBA from NC State University, and lives in Charlotte, NC with his wife, daughter, and twin boys.
Her recent work includes research on Canadian and international payment industry trends and international retail payment system research. Viktoria is the lead author and researcher working on Payments Canada’s annual flagship publication: the Canadian Payment Methods and Trends report. Prior to joining Payments Canada, Viktoria conducted research relating to the economic impacts of oil prices, the 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.
Named as one of the most influential people in banking and a top 5 financial services influencer to follow, Jim Marous is an internationally recognized industry futurist, co-publisher of The Financial Brand and the owner and publisher of the Digital Banking Report.
As a sought after speaker, author and recognized authority on disruption in the financial services industry, Marous has been featured by international press and has spoken to audiences worldwide.
Jim has also advised the White House on banking policy and is followed by more than 150,000 people on Twitter and LinkedIn.
Daniel serves as EVP and Chief Business Development Officer of Paysafe. In this role, he is responsible for developing strategic partnerships for Paysafe designed to meet customer needs and grow new revenues. He is also a decision maker in Paysafe M&A activities. Before starting his current role in April 2018, Daniel served as Paysafe’s EVP and Chief Product Officer. Prior to rejoining the Group in 2014, he was CEO of SiteSell.com.
In his 20+ years in technology management, Daniel has pioneered groundbreaking initiatives, from one of the world's first over-the-phone speech recognition systems at Nortel Networks and the ISO/ITU standards for video coding in use today, to FirePay's digital wallet and industry-leading risk management processes, which resulted in his subsequent appointment as a member of the NACHA Risk Management Task Force. He also sits alongside other industry visionaries, as a member of the advisory boards of Shyft Network and Smart Valor, two leading blockchain companies in digital identity and asset tokenization.
Daniel holds a B. Eng in electrical engineering from Ecole Polytechnique of Montreal, M. Eng from McGill University and a diploma in network engineering from University of Toronto.
Michele has more than 20 years of financial services, payments and FinTech experiences, leveraging her deep expertise and transformational mindset to create innovative products and solutions that solve both simple and complex challenges that customers face. She is a seasoned leader with executive level experience working in some of Canada’s large financial services institutions (CIBC, National Bank) as well as experience as a management consultant (both as an Independent and with PwC), consulting to some of Canada’s key payment networks (Interac Corp.) and various FinTech startups. She has a proven track record of keeping the customer experience integral to all aspects of business strategy and communications, product development and operations. Michele has a degree in Business, a diploma in Applied Information Technology, and additional education in user experience, change management and executive leadership. At Buckzy Payments Inc., Michele is responsible for ensuring that as we help shape the next generation of real time cross border global payments, our ecosystem is an awesome, frictionless experience for our customers.
Electronic Transactions Association
Jason Oxman is the CEO of ETA, the global trade association representing more than 500 payments and technology companies. Since joining in 2012, Oxman has led ETA and its membership through unprecedented technological transformations, and ETA now represents the world’s largest payments and technology companies. ETA also owns and produces TRANSACT, the premier annual event for the payments technology industry, and is the voice of the payments industry on Capitol Hill. Before joining ETA, Oxman was Senior Vice President of Industry Affairs of the Consumer Electronics Association, prior to which he served as general counsel of a technology industry trade association and vice president of a Silicon Valley-based technology company. He worked at the Federal Communications Commission to develop and implement technology policy. He began his legal career as a law clerk for the Maine Supreme Court, and he is also a former broadcast journalist. Oxman received his B.A. cum laude from Amherst College, and his M.S. and J.D. from Boston University.
University of California Santa Barbara
Rod Garratt holds the Maxwell C. and Mary Pellish Chair in Economics at the University of California Santa Barbara. He has served as a Technical Advisor to the Bank for International Settlements, a Research Advisor to the Bank of England and is a former Vice President of the Federal Reserve Bank of New York. At the FRBNY he co-chaired the Virtual Currency Working Group for the Federal Reserve System. After leaving the FRBNY he consulted for Payments Canada and R3 on Project Jasper: a proof of concept for a distributed ledger technology based wholesale interbank payment system. Garratt received his B.A. from the University of Waterloo and Ph.D. from Cornell. His research areas include payments economics, monetary theory, financial network analysis and auctions. He has published in the top economics journals including Econometrica, the American Economic Review and the Journal of Political Economy. He is an Associate Editor of the Journal of Financial Market Infrastructures, the Journal of Network Theory in Finance and Digital Finance.
Alan McIntyre is Accenture's Senior Managing Director for the Global Banking industry. Alan is based in New York and is responsible for Accenture’s vision and strategy for the banking sector, investment priorities, client offering development, and its alliance partner network. Alan has 30 years’ experience as a banking consultant and has worked with bank c-suites in North America, Europe and Asia, on work ranging from bank-wide transformation programs to multiple new business launches. Originally from Scotland, Alan was inducted into the Global Scot Hall of Fame in 2018.
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 Global Enterprises, a publicly traded company, and a former 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.
Member of SAC; CEO and Founder of nanopay. Innovator and blockchain critic.
OTT Pay Inc.
William is the Chief Commercial Officer of OTT Pay Inc., a FinTech company focused on connecting Canadian retailers with Chinese consumers through WeChat Pay and Alipay. William has over 10 years of experience in the financial services industry specializing in business strategy and payments. He has lived in Canada, China, the United States and Japan. William strongly believes in the power of globalization. He is passionate about global disruptive innovations and how proven technologies can be tailored and localized to connect businesses with consumers. William holds a joint honours degree in Systems Design Engineering and Economics from the University of Waterloo.
Daniel Bendersky is a Global Solution Consultant for Transaction Banking, Payments, and Financial Messaging at Finastra. Daniel is responsible for go-to-market execution and innovation showcases of Finastra’s suite of payments products, cash management solutions, and technical inter-bank connectivity and SWIFT bureau services. Based in Boston and leading a team of solution consultants, Daniel conceptualizes and develops value-driven solutions to allow financial institutions to re-think, streamline, and modernize their transaction banking infrastructure.
Harinder Takhar is CEO, Paytm Labs. He has been associated with Paytm since its inception and since 2014 has headed the Canadian office of the Payments platform. In his current role, he is responsible for bringing new technologies to the larger company and is also responsible for Paytm's latest foray into the Canadian market with their own mobile payments app. Harinder studied Computer Science at the Delhi College of Engineering and completed his MBA from INSEAD in 2006.
Robert is the Chief Identity Officer at EnStream, a joint venture of Bell Canada, Rogers Communications, and TELUS, providing identity verification and authentication services based on real-time customer account and network information. He has over 25 years experience leading innovation and business transformation in technology and telecom. Prior to EnStream, Robert held senior roles at leading Canadian companies including as EVP Marketing and Business Development at SecureKey Technologies, President of Virgin Mobile Canada, Senior Vice President at TELUS Communications, and Vice President at Clearnet Communications before its acquisition by TELUS. Robert holds Bachelor’s and Master’s degrees in Electrical Engineering from McGill University, and a Diploma in Marketing from the University of Western Ontario’s Ivey School of Business.
Zed Network Inc.
Alan Safahi is a serial entrepreneur with 30+ years of experience in the information technology, telecommunications and fintech segments. Throughout his career Alan has successfully founded and managed numerous high technology start-ups and has created disruptive innovations in the prepaid card, payment processing, cryptocurrencies/blockchain technologies and global remittances. Alan is Founder and CEO of ZED Network Inc., a platform for Money Transfer Operators (MTOs) using ZED tokens for instant remittance settlements. Previously, Alan founded ZipZap, Inc., a digital remittance company that leverages mobile technologies, digital payment solutions and traditional payment rails to create a remittance app that is fast, easy and cost efficient. Alan was an early leader in the Bitcoin community, and has served on the boards of Ripple, a leading blockchain provider, and Bold Financial Technologies, a corporate payouts platform that was acquired by Airbnb. Born in Tehran, Iran, Alan earned a Bachelor of Science in Mechanical Engineering from California State University, Fullerton and an M.B.A. from the University of Southern California.
Yona is the CEO of Arrive (formerly ParkWhiz) and an entrepreneur with an expertise in building and managing successful global brands in e-commerce, telecommunications and fashion retail. Prior to Arrive, he was co-founder and CEO of Beyond the Rack, recognized as Consumer Brand of the Year in Canada by Strategy for 2014 and the fastest growing e-tailer in North America by Internet Retailer Magazine in 2011. Yona is also an active angel investor and serves on a number of advisory boards to start-up companies. He also acts a mentor to entrepreneurs at Founder Fuel and Founders Institute (technology accelerators), is a board member of Startup Canada and he routinely lectures to college and university students on entrepreneurship. Yona is a frequent speaker at international marketing, startup and technology conferences.
VCS Technologies Inc.
Mike Vaselenak is a specialist in product management and business development for payments and transactional systems, with three decades of experience. Mike has defined payments product strategies and specified or proposed software and services under those strategies for leading Canadian, U.S. and international corporations including Canadian top tier banks, national merchants, MasterCard Canada, loyalty and gift card program providers, Canada Post, Ericsson, Microsoft, IBM, Teleglobe, Telus, Telpay, Everlink, CBC, Datacard, card program managers, credit unions, and federal and provincial governments. Mike co-chaired the ACT Canada committee on prepaid cards, and co-chaired the ACT committee on multi-application card issuance. Mike was co-lead on the Canadian Institute’s workshop on ‘Roadmaps for New Payments Technologies’. Mike also chaired the Canadian Institute ‘Forum on Prepaid, Gift, and Stored Value Cards’. Mike has also presented at conferences, for Canadian Institute, Cartes North America, and Cardware. Mike currently provides payments consulting services through VCS Technologies Inc.
Electronic Transactions Association
Scott Talbott is Senior Vice President of Government Affairs at the Electronic Transactions Association (ETA) in Washington, D.C. and is responsible for its governmental strategies, and directing ETA’s all of policy and advocacy efforts at the federal, state and international levels. Talbott has over twenty years of experience advocating for the financial services and FinTech industries. He has received numerous accolades in his tenure, including being named a top lobbyist by The Hill in from 2009 thru 2018 as well as a “winner” for his work during the economic collapse of 2008 by Washingtonian magazine. In 2010, he appeared in the Oscar-winning film “Inside Job.” Once named NPR’s favorite bank lobbyist and the voice of the financial services industry, he is a frequently testifies before Congress and is a regular contributor to both national and international media. Talbott received his B.A. from Georgetown University, cum laude, and his J.D. from George Mason University School of Law.
Technology Strategies International Inc.
Christie Christelis is the Founder and President of Technology Strategies International, a Canadian technology market research and business advisory firm. He is Canada’s leading payments industry analyst and publishes the Canadian Payments Forecast report every year. He has conducted bespoke assignments on the payments industry in ten countries and provided advisory services to clients in the area of EMV implementation, virtual currencies, mobile payments, the future of cash, and emerging payments technologies. He has spoken at payments industry conferences in Canada, USA, UK, Australia and South Africa. He has an undergraduate degree in electronics, a postgraduate diploma in communications and control systems, and an MBA.
Anne is Chief Legal Officer and Head of Policy and Research at Payments Canada, the operator of Canada’s national payment systems. Anne 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 was a senior executive at a Canadian life insurance company, where she held positions of progressive responsibility, including leading 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 the regulatory issues relevant to operating core payment systems. 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 of the National Capital Region, and is a mentor with the Canadian Corporate Counsel Association.
Stephen Brent Sargeant, CAMS, CBP works in an Anti-Money Laundering Investigations capacity at cryptocurrency exchange, Bitfinex. He is a FINTECH enthusiast that enjoys learning about Bitcoin and the Blockchain. Passionate about helping others, he has written articles and produced podcasts in order to help others in the Financial Crime Compliance field. He has collaborated with many groups promoting goodwill and positive initiatives in the Compliance and FINTECH communities. Although he has a legal background, he has proven to have a flare for networking in person and via social media platforms, which has amplified thought leadership and community building in the Compliance industry.
Robert has over 15 years of experience delivering technology solutions and digital strategy to a variety of firms. He is a skilled executive business leader who works collaboratively with clients, colleagues and partners to deliver progressive, multi-disciplinary solutions to business problems. Over his career, Robert has worked as a project manager, sales & marketing professional, strategy consultant and technologist. Prior to his position with Payment Source, Robert was Director, Client Services for Architect, a professional services technology firm where he was accountable for Client Delight, Project Alignment and Delivered Revenue from all existing clients. Speaking specialties include: ecommerce disruption, alternative payments, government financial services, in-person payments, and financial inclusion.
Steve Hollingworth’s unflagging commitment through 30 years of work in international development has been to ensure that the delivery of financial services benefits the world’s poorest people and fulfills its promise of alleviating poverty. Grameen Foundation follows the legacy of the Grameen Bank and Prof. Mohammed Yunus providing financial services to the poorest in the world. Grameen focuses on financial services for women, agricultural development and health. Mobile money platforms and digital data are used to optimize decision making and to expand financial inclusion. Prior to joining The Grameen Foundation, Steve was President of Freedom from Hunger. Beginning in 2011, he focused that organization on the intersection of financial services and ending hunger through the empowerment of women in rural communities. Previously, he served as Chief Operating Officer for CARE, where he was instrumental in developing and implementing the organization-wide strategy and was responsible for direct-line management of global operations and programs. He has also held senior field positions in Asia, Africa, and Latin America, building collaboration between practitioners, technical assistance providers, donors and government agencies. Steve has an M.S. in Economics, Development Studies, from Victoria University of Manchester, in Manchester, England. He enrolled there as a Rotarian Fellow, and his thesis analyzed the field of microcredit and the role of Grameen Bank. In that sense, Steve’s position as President and CEO of Grameen Foundation brings him full circle. Steve has a B.A. in Economics from Augustana College in Rock Island, Illinois, not far from his home town of Elgin, Illinois.
The Fletcher Group LLC
Jennifer is a sought-after communications partner for B2B growth companies. She is the president and founder of The Fletcher Group communications agency and has served as a founder and executive director to several trade associations including the Canadian Prepaid Providers Organization. A businessperson first, and a marketer second, Jennifer develops communications solutions that drive quantifiable value, speaks at conferences and events, and publishes articles and opinion pieces serving her clients’ industries. Jennifer has worked with businesses, foundations and government agencies in the U.S., Canada, Europe, and Asia, bringing an international perspective to her work.
Elena Whisler is Head of Global Product Management and Strategy at FIS, and has +15 years of payment systems experience, ranging from economic and financial analysis to product management of payment system applications. She is currently responsible for the strategic vision and product roadmap direction for the global enterprise payments products portfolio in the Open Payments division.
Milos has over 25 years of experience in senior technology roles having developed and launched innovative, commercially viable and award winning digital payment solutions, based on mobile and chip card technologies. Winner of the TD Bank Group's "Inventor Of The Year" award, he leads TD's Enterprise Payments Technology Innovation. Milos holds Masters degree in Electrical Engineering with major in Computer Science from the University Of Belgrade. Opinions are his own, not of his employers.
Paul Ruskin is Director of Business Development at Trace Financial which supplies Transformer, the super fast way to build and maintain message validations, enrichments and mapping transformations, no matter how complex the message formats. During his 20 years with Trace he has seen all aspects of the challenges organisations large and small face when implementing solutions such as MT and MX coexistence and knows the best practices to build future proof, easily maintainable solutions that make Transformer the most powerful tool on the market.
CLS Bank International
Kerry Denerstein is Regulatory Affairs Lead at CLS Bank International, where she manages the firm’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 blockchain and central bank digital currencies. Kerry serves on the organizing committee of the Post-Trade Distributed Ledger (PTDL) Group and represents CLS on various other industry bodies and organizations. 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 (go Blue!) and a juris doctorate from Brooklyn Law School.
Sam Vassa heads PaymentEvolution – Canada’s largest and most loved cloud payroll, payments and benefits management service. The company’s award-winning solution empowers organizations, their employees and their accountants to accurately manage their payments in full compliance with tax legislation. Previously, Sam led business development for the capital markets industry at Microsoft Corporation. He was a channel manager at Digital Equipment Canada and served with the Canadian Department of Foreign Affairs and International Trade at their foreign missions worldwide. Sam is active in the emerging business market as an advisor and mentor to firms seeking management and technology expertise.
Robyn King is a payments professional with experience in transactional banking, payments modernization and card payments in the Southern African and Canadian markets. She holds a Bachelor of Science honours degree as well as an MBA.
Simon-Kucher & Partners
Wei Ke, Ph.D. is a managing partner at consultants Simon-Kucher & Partners. Wei is a behavioral economist and pricing expert who advises big banks on their pricing strategies. Wei received a Ph.D. in Decision, Risk, and Operations from Columbia Business School, and a BSc in Electrical Engineering & Applied Mathematics, summa cum laude, from Columbia University.
Karen Webster is one of the world’s leading experts on emerging payments and a strategic advisor to CEOs and Boards of multinational players in the payments and commerce space. As the CEO of Market Platform Dynamics, she works extensively with the most innovative players in the payments, financial services, mobile, B2B, digital media and technology sectors to identify, ignite and monetize innovation. Karen also serves on the boards of a number of emerging companies, helping innovators develop and implement business strategies that drive market adoption for their products and services. Karen is also an entrepreneur herself, who has successfully founded and launched several new ventures in the loyalty, on-line media, and social networking sectors, including PYMNTS.com.
Victor Dodig was named President and CEO of the CIBC group of companies, one of North America's leading financial services institutions, in September 2014.
During his tenure, Victor has helped usher in a new era for the bank, positioning CIBC as a relationship-oriented bank for a modern world. In 2016, he led the acquisition of The PrivateBank, establishing a strong North American platform for CIBC to serve clients and deliver future growth.
Victor brings nearly 25 years of extensive business and banking experience, having led CIBC's Wealth Management, Asset Management, and Retail Banking businesses. He also led several businesses with UBS and Merrill Lynch in Canada and internationally, and was a management consultant with McKinsey & Company.
A member of CIBC's Board of Directors, Victor also serves on the board of the C.D. Howe Institute and Royal Ontario Museum Board of Governors. He is a vocal advocate for gender diversity in the workplace, as Chair of the 30% Club Canada, Chair of the Catalyst Canada Advisory Board, and a member of the global Catalyst Board of Directors.
Victor is the recipient of the 2017 Catalyst Canada Honours (Company Leader) Champion award. He is a graduate of the Harvard Business School, where he earned an MBA and was recognized as a Baker Scholar. Victor holds a Diploma from the Institut d'études politiques in Paris, and completed his undergraduate studies at the University of Toronto (St. Michael's College) in Commerce.
Victor resides in Toronto with his wife Maureen and their four teenage children. He is an active community member, currently serving as Co-Chair of the St. Joseph's Health Centre Foundation's Promise Campaign.
Australian Payments Network
With over 20 years of international experience, primarily in financial services, Leila Fourie has served on multiple boards and held senior roles in banking, capital markets and payments.
Dr Fourie was appointed as CEO of Australian Payments Network in 2016 and also serves as the NSW Vice President of the Economic Society of Australia. Prior to this, she served on the board of the Johannesburg Stock Exchange as Executive Director. Dr Fourie also served as Card Division Managing Director for one of South Africa’s largest banks, Standard Bank. During this time, she served as Chairman on the board of Diners Club and Board Member on Discover’s Chicago-based Diners Club International Advisory board. Leila started in Standard Bank’s investment bank as Global Director Credit analytics, capital and portfolio management for SA, UK, Hong Kong, Russia, Brazil and Argentina.
Leila has a PhD in Economic and Financial Sciences and won the Founders’ award in 2012 for best Masters Economics thesis in the country by Economic Society South Africa. Leila has published several articles in academic journals.
Chris Hamilton is the CEO of BankservAfrica. During his time as CEO of the Australian Payments Clearing Association, APCA played a central coordinating role for many aspects of the Australian payments evolution, with the country now deploying one of the most advanced payment systems in the world.
Hamilton was born in Sydney, Australia and worked as a solicitor there specialising in Security Industry Law and has wide-ranging industry policy experience in the Australian Financial Services – this includes 11 years with the Australian Stock Exchange where he was the Executive General Manager responsible for clearing and settlement.
Mark joined as Central 1’s President and CEO in January 2018.
He has had a successful career spanning more than 30 years in executive leadership roles including extensive experience in financial services across three countries. Prior to joining Central 1, Mark spent 5 years as the President and CEO of the Insurance Corporation of British Columbia, the second largest Insurance company in Canada. Prior to this he spent 12 years in a number of executive positions at the Suncorp Group, a diversified Top 20 ASX listed financial services conglomerate in Australia.
In addition to his professional roles, Mark holds volunteer positions with a number of community organizations, including Chair of the United Way of the Lower Mainland, Director of the St. Paul’s Hospital Foundation and Governor of the Business Council of B.C.
Mark is an Associate of FINSIA and a graduate of the Advanced Management Programme at Insead.
Paul is a results-oriented Canadian leader with a strong track record of more than 20 years in the payments industry. He is focused on building on PayPal’s successful 12-year history in Canada, and driving the next phase of growth for the company and its 6.5 million active customers in the country.
Paul plays a pivotal role in identifying strategic partnerships and bringing payment innovations to the Canadian market. He leads his team to help more than 250,000 Canadian small businesses and large retailers grow their sales locally and internationally. An engaging speaker with a passion for innovation, entrepreneurship and leadership, Paul brings a unique perspective on how financial services companies can collaborate to make money more accessible to people and businesses.
Prior to PayPal, Paul was vice president and general manager of global commercial payments at American Express Canada. During his tenure at American Express, he developed and drove business strategy for corporate payments and small business services and held several key leadership positions across sales, account management, e-procurement and travel. A global sales leader, Paul has lived and worked in Canada, the U.S. and the U.K.
Paul has a bachelor’s degree from the University of Guelph.
Yves-Gabriel Leboeuf is the co-founder and CEO of Flinks — and he is on a mission to accelerate innovation in the banking and financial services sectors. Under his leadership, Flinks develops tools that enable smarter and better access to financial data.
YG is regularly asked to share his insights on how data and tech can empower businesses to provide better financial services. He has been invited to deliver speeches at the Paris Fintech Forum, the Rise of AI in Germany, the Canada FinTech Forum, CIX Toronto, the Canadian Payments Innovation Forum, and the Payments Canada Summit — among many others. He currently sits on the AMF’s (Québec's securities regulators) Technological Innovation Advisory Committee.
A serial entrepreneur at heart, YG feels as much at home discussing with finance executives and fintech CEOs as he does in the last mile of an Ironman competition.
Faisal Khan is a result-oriented banking and payments consultant who specializes in cross-border money transfer.
Consulting focuses on working with incumbents and new startups in the money transfer / payments industry. He helps companies in partnering up, opening new markets, new channels, expanding their reach into foreign markets and networks, gaining access to banking, providing licenses and regulatory cover, optimizing international ACH payments, advising Fintech startups, individual entrepreneurs, Not-For-Profit entities, etc. He has a deep understanding of the mechanics involved in money transmission, from the old, new and emerging methodologies, including value-transfer using alternative currency methods. Based out of Istanbul, Turkey, Faisal works globally with majority of his clients from North America and EU. He is a frequent speaker and moderator on various international conferences for money, banking and payments.
Faisal is the co-host of Around the Coin, a weekly podcast on Payments & Fintech with over 20,000+ listeners. He is also a talent scout for Series A & B financing for various fintech VCs/funds. He is also a frequent contributor to popular Q&A site Quora where he has been a Top Writer 6 consecutive years.
David Furlong holds an MBA from the Queen’s School of Business and a Bachelor of CS from Memorial University of Newfoundland (Canada). Mr. Furlong joined National Bank of Canada in 2012. He has held a number of senior-level positions including Senior Vice-President – Marketing Experience Delivery and Transformation, Senior Vice-President –International Development, Mergers and Acquisitions, Senior Vice President Transformation, and in November 2017 was appointed SVP Artificial Intelligence, Venture Capital and Blockchain.
David has led the implementation of many projects to support the Bank’s overall multichannel strategy, expansion strategy, and transformational agenda. Throughout his various positions, he successfully led several projects to increase the use of e-channels, analytics and process redesign while working with nationally-recognized partners. David holds board positions at ABA Bank (Cambodia), ATA IT (Thailand), Credigy (USA), and Element AI (Canada).
University of Toronto
Dilip Soman is a professor and holds the Canada Research Chair in Behavioural Science and Economics at the Rotman School of Management, University of Toronto. He serves as the director of the university’s Behavioural Economics in Action research centre [BEAR]. He is a behavioural scientist and does research on behavioural economics and applications to welfare, policy and business. He is the author of over 50 research papers and several books, including the recently published The Last Mile (University of Toronto Press). Dilip also teaches an open online class (MOOC) entitled “Behavioural Economics in Action.”
When not working, he spends time on photography, reading, cricket, and taking weekends seriously.
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.
Keith Gilroy is the Director of Strategic Relationships – Canada, for SWIFT. Previously he was Head of Business Development – North America, responsible for managing sales, business development and client management across SWIFT’s banking, corporate and investment management clients. Keith brings over 15 years of sales and business development experience, most of which has been in the fintech space, focused on helping companies use technology to improve financial operations and optimize working capital. He holds his Certified Treasury Professional (CTP) designation from the Association of Finance Professionals (AFP). Keith earned a Master of Business Administration in Finance from Fairfield University and a Bachelor of Science in International Business from the University of Connecticut.
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.
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 Chief Information Officer at Payments Canada. He is responsible for Canada’s core payment systems as well as Payments Canada’s technology strategy and emergent technology agenda.
Andrew brings more than ten years business experience with a focus on enterprise software design and development. With a comprehensive perspective of the evolving payments ecosystem, Andrew leads the technology delivery for payments modernization in Canada. As part of his responsibilities, Andrew has led blockchain research, alongside the Bank of Canada and industry (a.k.a Project Jasper), since early 2016. 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 children.
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.
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.
As President and Chief Executive Officer of LoyaltyOne Co., Bryan leads a global set of enterprises organized by Alliance Data under the LoyaltyOne umbrella: The AIR MILES Reward Program in Canada, BrandLoyalty, Precima, and LoyaltyOne Global Solutions.
Joining the organization soon after its founding in 1992, Bryan moved through a series of progressively senior roles, becoming President of the AIR MILES business in 1999 and assuming his current position as President and CEO of LoyaltyOne, Co. in 2006.
A highly regarded expert on enterprise loyalty, retail marketing, coalition marketing and customer relationship management, Bryan has spoken at industry events around the globe, with his views on loyalty, data analytics and privacy widely quoted in national and international publications. The author of the bestselling book The Loyalty Leap: Turning Customer Information into Customer Intimacy as well as The Loyalty Leap for B2B, Bryan regularly contributes to the Forbes retail column, among others.
Bryan supports a number of community and charitable groups including the CHUM Christmas Wish foundation and Kids Help Phone. Bryan has an MBA and a BScH (Microbiology and Biochemistry) from Queen’s University.
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.
Toronto Financial Services Alliance
Jennifer Reynolds is the President & CEO of the Toronto Financial Services Alliance (TFSA), a public-private partnership whose mission is to promote and develop Toronto’s financial services sector, and to establish its prominence as a leading global financial centre.
Jennifer’s 20 year career in the financial services industry has included senior roles in investment banking, venture capital, and global risk management. Prior to joining TFSA, Jennifer was the President & CEO of Women in Capital Markets (WCM), Canada’s largest industry association and advocacy group for women in the financial sector.
Jennifer is a Director on the Board of the Canada Development Investment Corporation ("CDEV"), Director on the Board of Women’s College Hospital Foundation, and is a former Member of the Ontario Venture Capital Fund Advisory Committee, former Chair of the Board of Advisors of the Microskills Business Incubator, and former Director on the Board of Studio 180, an independent, Toronto based theatre company. In 2015 and 2017, she was named a Women's Executive Network (WXN) Canada's Most Powerful Women: Top 100 Award Winner.
Jennifer is a graduate of the Harvard Business School Women's Leadership program, and she received her MBA from McGill University, as well as a Bachelor of Arts with a double major in Economics and Political Science from McGill University. Jennifer also holds the Institute of Corporate Directors Designation, ICD.D.
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.
As Group Head, Technology & Operations, RBC, Bruce Ross is responsible for the strategy and overall management of global technology and operations for RBC, which includes applications development, infrastructure and enterprise operations. In addition, as a member of Group Executive, he is one of nine executives responsible for setting the overall strategic direction of RBC. Bruce is a seasoned executive with more than 30 years of technology and business experience. Prior to joining RBC, he was the General Manager, Global Technology Services, North America at IBM. As a member of IBM's strategy team, he was responsible for business strategy in the emerging areas of cloud, mobility, social media and analytics. His prior roles included General Manager, Global Technology Services, Europe for IBM and General Manager and President, IBM Canada. Bruce's areas of responsibility have included providing thought leadership and services to global financial institutions. Bruce is active in a number of business and community organizations in Canada, serving as a Board Member for both the International Board of Advisors as well as the University of Western Ontario. He has also been a member of the Toronto & York Region United Way Campaign Cabinet since 2017. In recent years, he served as the Chair of the Ontario Brain Institute Liaison Council. He also sat on the Board of Directors of the Conference Board of Canada, and was a member of the Canadian Council of Chief Executives. Bruce is a professional engineer and a graduate of the University of Western Ontario. He is married with two children and lives in Toronto, Canada.
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
For over two decades, Chandra has been leading large Payments transformation programs, and advisory for global and regional Payments organizations and market infrastructures.
In his role, he advises clients on actionable strategies to adapt to the future of Payments, as well he looks to identify new business lines and growth opportunities. He also explores emerging technologies and enables CIOs and CXOs to proactively embrace change.
Chandra is active in industry standardization initiatives and chairs the Cards Working Group in the Banking Information Architecture Network (BIAN). In addition, he is an active contributor to both the Interactive Financial Exchange and TOGAF architecture forums.
Chandra has implemented real time Payments in Asia and Europe, as well as the Open Payments Regulations in Europe, where he engaged with large banks and Payment firms to address the requirements of compliance, and exploit investments over the long term.
Jessica Turner is Executive Vice President, Digital Payments and Labs for North America and Global Customer Engagement for Mastercard. In North America, Mrs. Turner leads the strategy, commercialization and product management of digital payments products, which includes; Masterpass, Mastercard Digital Enablement Service (MDES), Personal Payments and Labs. Additionally, she is responsible for Customer Digital Engagement with key issuers globally, leading a product development and engineering team to collaborate with the largest global issuers worldwide to advance payments.
Prior to her current role, Jessica led the Global Telco Digital Channels Team, where she managed the company’s partnership strategy with telecom companies. Her team was responsible for delivering digital solutions to achieve financial inclusion in emerging markets and enable convenient payment experiences in developed parts of the world.
Jessica joined Mastercard in 2006 and has held various positions in Global Products and Solutions and North America. She led partnerships with issuers and telcos, identifying new business opportunities that align with Mastercard’s strategic roadmap. Jessica’s roles of increasing responsibility supported large issuers, including Citi, Bank of America, Chase and Barclays.
Prior to Mastercard, Jessica supported marketing and analysis at Capital One and product development at Affinion Loyalty Group.
John is a Managing Director in Accenture’s Technology Consulting workforce, based in London. He is part of Accenture’s specialist security capability with over 20 years of consulting experience across multiple business and industry sectors. John has worked in many geographies around the world bringing an international perspective to his delivery teams and clients. John is currently leading several Blockchain engagements with top tier global organisations. John is Accenture’s Global Blockchain Technology Lead working with industry teams to develop the firm’s global Blockchain delivery capability. John specialises in capital markets, payments and financial services but also has many years of experience in other industries. John returned from a long term leave of absence where he was the CEO of a Blockchain start-up developing leading edge enterprise grade crypto-currency wallet solutions for exchanges, hedge funds, banks and HNW individuals. Prior to his leave, John was also the Europe Africa and Latin America lead for Accenture’s security strategy and risk services practice. The practice provides services in: payments security, fraud management, business continuity, data loss prevention and privacy, risk management, security strategy, and threat and vulnerability management. John holds a B.Comp.Sci. and M.Comp.Sci. degree specialising in cryptography and information security. John is a full (founding) member of the Institute of Information Security Professionals, IISP - M.Inst.ISP.
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.
Jason Caine is the National Manager of Oxford Properties’ Prepaid & Guest Experience Programs. Since joining Oxford in 2010, he has been responsible for the change of Oxfords Gift Card program from certificates to cards, launched a first to market American Express Mall gift card program, nationalized Oxfords guest experience platforms, and expanded from 5 to 11 shopping centres in 6 major Canadian cities.
Prior to joining Oxford, Jason has consulted for several companies across the world in the area of Business Risk Services & Bill 198/SOX compliance. Some of the companies include Tim Hortons, John Hancock, Nortel, Castle Brands, and Oxford Properties Group.
Jason is a gradutate of the University of Toronto, and hold the designation of Certified Internal Auditor. He recently received recognition by American Express when he won Best in Class 2017 for his work on Oxfords extremely successful mall gift card program.
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.
As the Executive Vice President of PRESTO, Annalise Czerny is focused on connecting communities and unifying Ontario’s fare systems through the PRESTO fare card system. Annalise oversees the many projects and programs that help enhance the PRESTO system, and is focused on increasing access to travel for everyone – students, seniors, low-income families, visitors, local travellers and regional travellers. PRESTO is currently available across 11 transit agencies in the Greater Toronto and Hamilton Area (GTHA) and Ottawa, and offers customers the lowest fare prices, pay as you go or period (monthly) passes, loyalty program discounts, and co-fare discounts with GO Transit. Annalise has been part of the PRESTO team since 2013, where she has worked with senior Metrolinx and Provincial stakeholders to build the PRESTO strategy group and program, codify the organization’s mandate, create the first business strategy, and articulate a vision for PRESTO’s transition from a project focus to a governor of the PRESTO payments scheme. Annalise became the Director of the PRESTO Payment Scheme Management Group in 2017 and is now the Executive Vice President. Prior to coming to Metrolinx to work within the PRESTO group, Annalise worked in strategy consulting for the Monitor Group in the United Kingdom before making the move back to Canada. Annalise has an Engineering Degree from the University of Guelph, a Masters in Energy and Material Sciences from the Université du Québec à Trois-Rivières, and an MBA from the London Business School.
Pierre Côté is the Manager, People Team (HR) at Payments Canada. With combined background of over 20 years in operations and human resources, working in private, public and crown corporations, he is responsible for providing overall managerial direction and guidance to the People team which is focused on promoting a strong employee-oriented culture and to foster collaboration with business leaders in achieving their objectives. Pierre holds a Bachelor degree in Commerce and is a Certified Human Resources Professional (CHRP).
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.
Sun Life Financial
Fay Deevy is Assistant Vice President, Treasury for Sun Life Financial. In this role she develops and leads treasury strategies to optimize enterprise-wide corporate liquidity. Her teams also manage credit, bank relationship management, cash and treasury operations.
Ms. Deevy joined Sun Life in February 2008. She was previously Director, Global Transaction Banking with Scotiabank. She has held progressively senior treasury positions in various industries earning broad experience in global treasury operations – both enterprise and supplier-side. She is a well-known and highly regarded thought leader, subject matter expert and industry speaker in global treasury strategy and treasury operations automation.
Ms. Deevy holds a MBA from University Fredericton in Global Leadership, a BBA degree from Wilfrid Laurier University. She is a Certified Management Accountant (CPA, CMA), Certified Treasury Professional (CTP) and holds a certificate in International Cash Management (Cert. ICM).
As the VP and Managing Director for FICO Canada, I lead the team responsible for growing FICO’s Canadian market share and strengthening relationships with FICO’s clients. We work with existing and potential clients to help them leverage FICO’s technologies and solutions, which utilize innovative analytic applications to provide a competitive advantage and enable better decision-making. FICO works closely with a range of Canadian clients, from the major banks to insurers to leading retailers, helping them gain an analytic advantage over their competitors.
As the North American Insurance Practice Lead for Insurance, I am responsible for strategic business development and growing FICO’s footprint in North America’s insurance sector. In particular, expanding FICO’s cloud-based decision management and analytics offerings to the insurance industry. FICO’s expertise in analytics software and specifically with artificial intelligence (AI) and machine learning, will enable insurance organizations to help settle claims and mitigate fraud, communicate with policyholders and underwrite risk.
CIBC Capital Markets
Jimmy Dinh is a business strategy & corporate development executive leading financial services innovation at CIBC Capital Markets – the wholesale and investment banking arm of the Canadian Imperial Bank of Commerce. In this capacity, Jimmy is building and leading a team to envision, design, build and manage the P&L for a new breed of Capital Markets products focused on: FX, Payments, Money Movement and "The Future Of Money". The Alternate Solutions Group is accountable to drive profitable growth for CIBC's Wholesale bank by getting to market new products that converge Capital Markets assets & platforms, massively scaled out digital distribution channels and payments technology innovation.
Jimmy brings over 16 years of corporate strategy, product management and strategic business development experience within the intersecting ecosystems of mobile, digital commerce, emerging payments, and banking innovation.
Prior to his current role, Jimmy has served in multiple senior leadership roles within dynamic organizations focused on emerging commerce and payments innovation. As Loblaw’s (PC Bank) Head of Mobile Payments & Digital Commerce Strategy, he was accountable for and led the strategic development, incubation and commercialization of device-based payments and commerce innovation initiatives for Canada’s largest retailer. As CIBC’s (Retail & Business Banking) Senior Director – Digital Banking Strategy & Innovation, he led business unit strategy development and overall P&L ownership of all customer facing Mobile and innovation properties for the retail bank including: Mobile Banking, Mobile Brokerage, and Mobile Payments. At MasterCard Inc., Jimmy led product strategy and strategic partnership development in Canada focused on NFC, P2P and online payments as the network’s Director of Mobile Payments & E-Commerce. Jimmy has also been extensively involved in developing Mobile Money solutions with mobile network operators in emerging and un-banked markets globally.
Jimmy received a Bachelor's degree (B.Eng) in Computer Engineering from Concordia University in Montreal, Canada. He is also a graduate of the Richard Ivey School of Business – University of Western Ontario, where he received a Master’s of Business Administration (MBA).
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.
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.
Merrco Payments Inc.
Fern Glowinsky joined Merrco as CEO in March 2018 following its acquisition of Payfirma Corporation. From 2001 to 2016 Ms. Glowinsky was a senior executive at Moneris, one of North America's largest payment processors. As COO, Ms. Glowinsky was responsible for enterprise operations ranging from customer experience to business transformation. In 2016 Ms. Glowinsky joined Cliffside Capital as CEO and Director, driving investments in the emerging alternative lending sector. Ms. Glowinsky is a graduate of the joint MBA/JD program at Schulich School of Business and Osgoode Hall Law School and holds the ICD.D designation.
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.
Katie Greenberg is Vice-President, Digital Products & Retail Payments at Scotiabank, and is responsible for developing seamless digital product and customer experience strategies, as well as driving the bank’s retail payments strategy. As an advocate for the customer, Katie brings together her passion for developing leading digital experiences with her deep knowledge of the payments space to build unique offerings for Scotiabank’s customers, and help drive the bank’s long term strategy on payments – including Payments Modernization. Prior to joining Scotiabank, Katie was head of operations and CFO at Goldmoney Inc., a publicly traded Fintech that operates a global gold-based payments ecosystem. Katie was an integral part of the founding team, and managed new product development, strategic growth initiatives, and day to day operations. Katie has a Bachelor of Commerce from Queen’s University, and is a Chartered professional Accountant.
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.
IBM Global Business Services
Andrew Higgins is the Payments Leader with IBM Canada’s Financial Services Practice. With over 30 years of experience in Information Technology, Andrew is focused on the end-to-end delivery of large, complex technology transformation programs across multiple industries including Financial Services, Manufacturing, Retail and the Public Sector.
He’s also been leading Payments modernization efforts in Canada for the last 7 years which include transformations from paper to image based cheque processing and payment infrastructure modernizations with ISO 20022. In his role as Payments Leader, he is driving Payments initiatives for clients in Canada and across the world and leads a global pool of payments subject matter experts and delivery resources.
Deutsche Bank Trust Company Americas
Sebastian Hindelang is a Senior Product Manager in the Digital Client Connectivity Products division of Deutsche Bank´s Global Transaction Banking (GTB) in New York. He is responsible for cash management and trade finance integration solutions with a focus on global payment formats, bank communications and cooperation with relevant TMS/ERP vendors. During Sebastian's 18 years with Deutsche Bank he has held several positions in both Frankfurt and New York, including managing the preparations for ISO20022 for the SEPA migration in Europe. Sebastian holds an MBA from the FOM Hochschule für Oekonomie & Management and a Bachelor's from the Frankfurt School of Finance and Management.
Bank of America Merrill Lynch
As Product Head of USDC, Jennifer Holme leads a pan regional team responsible for the end to end management of the USDC product including risk, regulation, new development as well as supporting key stakeholders including sales, compliance, operations, service and risk. She and her team manage the overall growth and strategy as well as innovation. Jennifer joined Bank of America in 2014 and has held roles at other large US institutions including head of global receivables, network management and risk.
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.
TD Bank Group
Christine Hunter is VP, Payments Strategy and Modernization at TD Bank Group (TDBG). She is currently responsible for Payments Strategy and Modernization at the bank, where she drives the payments roadmap across Corporate, Business Banking and Personal Banking segments. She serves as the Co-chair of Canadian Industry Modernization, and is credited with establishing the Next Generation Payments Platform at TD. Christine started her career at Canada Trust 20 years ago, in a data scientist role for the Retail Bank, given her MSc in Statistics. She has a breadth of experience in Banking having held senior roles in Risk Management and Business leadership in Retail & Auto Lending and Credit Cards. One of her most exciting career accomplishments to date was the acquisition and launch of the TD Aeroplan business. Christine is proud mother of 3 crazy kids!
Robert has over 20 years of experience delivering technology solutions and digital strategy to a variety of firms. He is a skilled executive business leader who works collaboratively with clients, colleagues and partners to deliver progressive, multi-disciplinary solutions to business problems. Over his career, Robert has worked as a project manager, sales & marketing professional, strategy consultant and technologist.
Robert is responsible for managing Payment Source's Payment Services line of business including P&L, business development, implementation, and service levels. Payment Services includes the award-winning Loadhub in-person payment platform and PaySimply.ca, an online government payment portal. Prior to his position with Payment Source, Robert was Director, Client Services for Architech, a professional services technology firm where he was accountable for Client Delight, Project Alignment and Delivered Revenue from all existing clients.
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).
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)
Dan Kelly serves as President, Chief Executive Officer and Chair of the Board of Governors of the Canadian Federation of Independent Business (CFIB). In this capacity, Dan is the lead spokesperson and advocate for the views of the Federation's 109,000 small and medium-sized member businesses.
Dan joined CFIB in 1994 as Policy Analyst for the Prairies and, soon after, became Director of Provincial Affairs for Manitoba. Dan led many files, including the call for balanced budget laws and workers’ compensation reform. In 1999, Dan moved to Calgary to become CFIB’s Western Vice-President and was named one of Alberta’s 50 most influential people while in that role. In Western Canada, Dan led the Federation’s work on the growing shortage of labour, training and immigration, publishing many influential studies on these files. In 2009, Dan took on the role of Senior Vice-President, Legislative Affairs, where he led CFIB's successful campaign to establish a Code of Conduct for the credit and debit card industry. CFIB’s Board of Governors appointed Dan as President and CEO as of June 2012, and Chair in June 2014. In 2015, Dan was named one of the “Top 100 Most Powerful and Influential People in Government and Politics”, by Power & Influence magazine.
Dan has served on dozens of provincial and federal committees and task forces and has represented Canada’s small businesses at the International Labour Organisation in Geneva. He currently serves on Finance Canada Payments Consultative Committee (FINPAY) and the Canadian International Trade Tribunal Advisory Committee. Dan is a regular speaker in Canada and around the world on topics like international trade, the payments industry, and skills and labour shortages.
Prior to joining CFIB, Dan served as a policy advisor to the Premier of Manitoba. In this capacity, Dan gained a great deal of knowledge on the legislative and political functions of government - specializing in rural development, transportation and economic matters.
Dan was born and raised in Winnipeg and graduated with a Bachelor of Commerce from the University of Manitoba. Immediately following university, Dan spent a year living and teaching in northern Japan.
Dan and his wife live in Toronto with their young son.
Stephen has been in the loyalty and payments business for over 20 years, specializing in developing unique partnership structures, strategy roadmaps, benchmarking, outsourcing, new product, and M&A activities for companies involved in consumer retail, payments products issuing, consumer finance, acquiring, and portfolio management.
Stephen joined the Accenture Payments Practice in 2017 (via the purchase of First Annapolis Consulting which he joined in 2012).
Prior to consulting, Stephen was Senior Vice President, Credit & Loyalty, for Hudson’s Bay Company. In that capacity, innovative solutions were developed for business growth opportunities (including internal and external partnerships), monetizing customer data, engineering financial results through relationship metrics and management accountabilities, risk management, operational effectiveness, and portfolio underwriting.
Following university, Stephen worked at Deloitte for four years in auditing, six years in the business valuations / merger and acquisitions group, and four years in the Cayman Islands leading the realization of a world-wide loan book of a large insolvent international banking client.
Kanchan Kumar is co-founder & CEO of Remitware Payments Inc, a global cross-border payments company focused on changing the international fund transfer infrastructure.
Kanchan has been active in software technology space since 1990 and been on the forefront of various technological development over a period of time. Remitware is his third venture as and entrepreneur.
Remitware payments is passion project of Mr Kumar. Remitware is building a new global payments and settlements infrastructure to change the way fund transfer, specifically small value transfers, take place today. MoneyOS – the new operating system for global money movement is being built in collaboration with Regulators worldwide to re-invent the correspondent banking for international fund transfer, payments and settlement.
Kanchan is also very active in Startup ecosystem. He volunteers his time to help support fellow startup founders.
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.
Mark Langmead is Director, Compass Operations with TransLink. He is responsible for revenue collection and the customer experience with the Compass smart card and ticket program in Vancouver BC. In this capacity, Mark developed and implemented the strategic plan to transition the organization from traditional magnetic strip fare media to smart tickets and cards. Mark is responsible for the development and implementation of long term strategic plans and the introduction of new fare products and features to increase ridership, revenue, and improve the overall customer experience. Mark is leading the introduction of Tap to Pay credit card and smartphone payments at TransLink which will begin next month.
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.
Rita joined Alipay in 2010 and was initially responsible for driving partnerships with major Chinese banks. In 2012, she became one of the founding members of the Alipay international business department. Rita has since undertaken different roles within the company, taking responsibility for business development and partnerships in various regions including Asia, US and Europe. From 2014 to 2017, Rita was Head of EMEA for Alipay, based in London, responsible for Alipay & overall business in the region,overseeing business development, operations and marketing activities. She has recently taken new responsibility as Head of Canada, starting to build the firm’s business and strategy in Canada. Before joining Alipay, Rita worked with American Express as business development manager.
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.
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
Mr. Sridhar Narayanan is an Executive Architect and global technology leader within IBM Financial Services Global CTO office. In this role, he works with Financial Services clients worldwide to understand their business needs and develop innovative solutions leveraging technologies including Blockchain, AI and Cloud Computing. Mr. Narayanan has been leading Blockchain initiatives for IBM’s Financial Services clients enabling their adoption of Blockchain technology and leading the design and development of Blockchain solutions. Mr. Narayanan holds a Masters Degree in Computer Science from Concordia University and Masters Degree in Mathematics from McGill University.
Mark Nasr was appointed Vice President, Loyalty and eCommerce in July, 2017. In this role, Mark has responsibility for developing the vision and strategies for Air Canada's all-new, digital first loyalty program to be launched in 2020. He will also lead the design, development, implementation and maintenance of Air Canada's eCommerce systems, including mobile and Web interfaces and related customer databases to support Air Canada's global customer retention and revenue strategies which are a cornerstone of the airline's long term sustainability objectives.
Mark joined Air Canada in 2016 as Managing Director, eCommerce, Loyalty Programs and Ancillary Revenues, bringing more than 15 years of experience in the travel and hospitality industry across three continents. After starting his career in hotel operations at Hilton, Marriott and InterContinental properties, he joined the Continental Airlines management team in 2006, initially in Revenue Management and later leading the airline's first Ancillary Revenues practice. In 2010, he joined the new United management team after the Continental Airlines merger, first leading Merchandizing, then eCommerce, and finally, Corporate Development and Strategy.
Mark has a degree in Hospitality Administration and minor in Information Systems from Cornell University's School of Hotel Administration, and he was named one of Crain's Business 20 in their 20's. Mark also holds a patent for check-in and ID scanning, a product used by approximately a dozen large airlines, as well as a patent application for airline seating systems.
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).
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.
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.
Susan is a freelance broadcaster with regular appearances as a business host on CBC News Network and CBC Radio Canada. Susan’s strength is in taking her deep understanding of the financial services industry to talk about business in a way that is interesting and engaging for a broad national audience. She began her career on Bay Street, as a research analyst at an institutional brokerage firm, and rose to work as a portfolio manager for high net-worth individuals. In 1999, Susan made the shift to broadcasting, joining BNN. At BNN Susan worked both as a producer and on-air analyst. Susan holds a MA in Media production from Ryerson University. When she is not talking business, Susan hosts a monthly live storytelling event in Toronto.
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.
As Head of Fintech Corporate Development at RBC, Jonathan is responsible for the identification of Financial Technology companies that will help accelerate innovation strategies at RBC. Jonathan is also responsible for the execution of acquisitions and introductions of potential partners and/or investment opportunities to groups within RBC.
Prior to assuming his current role, Jonathan was Managing Director, Corporate Development where he was responsible for sourcing, evaluating and negotiating corporate merger and acquisition activities and strategic alliances for RBC’s domestic and international business platforms.
Before joining RBC, Jonathan was a member of the Corporate Finance Team with Deloitte in Toronto and London, U.K. where he was involved in a broad range of engagements across a variety of industries, with a focus on Financial Institutions.
Mr. Shepherd holds CPA, CA and CBV designations and an undergraduate degree in Science and Business from the University of Waterloo.
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.
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.
Intellect Design Arena Ltd
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 centre around how to communicate and measure results meaningfully. He has a Masters of Science from the Massachusetts Institute of Technology and a Bachelor 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.
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.
Iliana Oris Valiente, CPA, CA, CBP (Certified Bitcoin Professional) is widely credited for being a trailblazer in the blockchain space, having been among the first to recognize the tremendous impact of this traditionally "hacker" technology on the enterprise world. Her focus has been on exponential technology, entrepreneurship and bridging the gap between the corporate world and the start-up communities. In her current role as a Managing Director and Global Blockchain Innovation Lead at Accenture, Iliana is responsible for strategy initiatives and overseeing projects to conceptualize and build blockchain solutions across industries, with a focus on FSI, supply chain, healthcare and the public sector. Iliana is also the founder and Chair of ColliderX, the world's first non-profit, open sourced, and crowdsourced R&D hub for blockchain and related technologies. Previously, Iliana was the catalyst in getting Deloitte actively involved with blockchain innovation, and founded the Rubix by Deloitte practice in 2014 where she led teams providing advisory services and building decentralized applications across multiple technology platforms. Iliana has strong views on how the network effects of this technology will impact multiple verticals, and how it will radically change many status quo business models. Iliana is an author and sought after speaker, regularly presenting at conferences and events around the world.
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.
Jodie Wallis is a senior leader at Accenture and the Managing Director for Artificial Intelligence (AI) in Canada. Jodie is responsible for expanding Accenture’s business presence in the AI ecosystem, attracting top talent, and bringing innovation and global AI expertise to Canadian clients across all industries.
In her role, Jodie leads Accenture’s collaboration with AI business partners and academia, at a time when organizations are beginning to embed AI into their core ways of doing business. She also works with Canadian clients to unlock the potential benefits of AI, and oversees Accenture’s investments in the Canadian AI ecosystem, including its sponsorship of the Vector Institute for artificial intelligence.
During her 24 years at Accenture, Jodie has developed deep expertise in management consulting and technology
consulting. She has served clients in several industries including, most recently, personal and commercial banking
and life and health insurance where she has helped some of Canada’s largest organizations to develop strategies,
business solutions and operating models that deliver added value to both customers and shareholders.
Jodie earned her Bachelor of Mathematics with Honours from the University of Waterloo, where she majored in
Operations Research and minored in Statistics and Computer Science. She actively volunteers in the Toronto
community, serving on the organizing committee of the Covenant House Guts + Glory Corporate Challenge, which
raises funds for Canada’s largest agency serving at-risk, homeless and trafficked youth.
Jodie is also a co-host of the podcast series “The AI Effect”.
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.
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.
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.
Deborah has worked with Payments Canada (Canadian Payments Association) since August 1995. In her current role as Senior Director of Legal Services and Assistant General Counsel, Deborah manages the legal team and oversees the legal services for the operation and modernization of Canada's core payment clearing and settlement systems. Providing strategic and business-minded legal advice to advance the mandate and vision of Payments Canada, Deborah is an influential and recognized expert in Canadian payments law and on matters relating to the organization's day-to day operations, including regulatory affairs, risk management and corporate governance. Deborah has spoken at numerous conferences and information sessions, and has written articles on payment law issues and the legislative reforms affecting Payments Canada, published in various legal journals.
Deborah is a graduate of the University of Toronto - Victoria College (B.A.) and the University of Ottawa (LL.B), and was called to the Bar in 1989. She is a member of the Law Society of Upper Canada and the Association of Corporate Counsel.
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.
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.