Future Digital Finance 2019

February 12 - 13, 2019

Omni Amelia Island, FL

Day One – Tuesday, February 12, 2019: Digital Transformation, Innovation And Emerging Tech

7:00 am - 8:00 am Registration and Networking Breakfast

8:00 am - 8:10 am Welcome Remarks & Ice Breaker

Olga Rodriguez - Content Director, Future Digital Finance 2018

Olga Rodriguez

Content Director
Future Digital Finance 2018

8:10 am - 8:25 am Chairperson’s Opening Remarks

Craig McLaughlin - CEO, Extractable

Craig McLaughlin


8:25 am - 9:00 am Keynote Case Study Remix - Innovation Discipline - Repeatable Journey From Ideas To Value

Milos Dunjic - AVP, Payments Innovation Technology Solutions, Channels Technology Solutions, TD Bank
Innovation is the name of the game, but the stakes are high. FSI’s need to innovate but they need to do so in an effective way. Milos Dunjic from TD Bank joins Future Digital Finance for the first time to talk to us about disciplined innovation - what it is, what it means, and how to make
sure you can implement it. Some things he’ll talk about are:
·         Recognize the need for disciplined innovation
·         Discuss the "Innovation Uncertainty Principle"
·         Disciplined Innovation – How To Actually Do It?
·         Ideas Are Plenty – Which One To Work On?
·         Democratizing Innovation Across The Organization"


Milos Dunjic

AVP, Payments Innovation Technology Solutions, Channels Technology Solutions
TD Bank

The term “digital” is no longer a buzzword. Digital technologies are changing every industry and financial services are no exception, although it has certainly been slower to evolve than others. As industry leaders look for ways to push forward its evolution, what does the next generation of banking look like? In this keynote session we’ll talk about:
•Focusing on goals and strategies that enhance customer relationships in order to stay relevant
•Enhancing your digital platforms to meet a wider range of your customer’s needs 
•Harnessing customer data to be more consultative and increase customer satisfaction 
•Innovating in order to reimagine the role that banking and financial services play in consumers’ lives 


Jay Tkachuk

Vice President, Online Services (Digital Banking Channel)
Security Service Federal Credit Union


Ruby Walia

EVP, Head of Digital banking, North America


Michelle Spellerberg

Vice President, Marketing & Digital Strategy
Alliant Credit Union


Elliott Goldenberg

Vice President, Product Specialist, Digital Payments & Labs, Products and Innovation


Joe Salesky


9:25 am - 10:10 am Biscuits & Brew Networking Break

10:10 am - 10:30 am Keynote Fireside Chat: Working Alongside "Big Tech" to Provide Digitally Optimized Customer Experiences

Elizabeth Kelly - SVP of Operations, United Income Daniel Sanford - VP - Digital Strategy and Innovation, Wells Fargo
Big tech companies like Apple and Google are causing a noticeable disruption in the financial services industry by changing customer expectations. FSI’s have to think about meeting those expectations in order to retain their existing clients and attract new ones. How can traditional FSI’s work alongside these much larger companies? In this session we’ll talk about:
·         Rethinking the traditional banking model in order to be collaborative 
·         Using data effectively to enhance your relationship with your customer
·         Providing customers with banking information that is palatable and easy to understand in order to create a better experience
·         Crafting a solution that looks at loyalty and customer experience as the ultimate goal

Elizabeth Kelly

SVP of Operations
United Income


Daniel Sanford

VP - Digital Strategy and Innovation
Wells Fargo

10:30 am - 10:50 am Keynote Case Study - How To Accelerate Your Digital Transformation With AI

Why do the vast majority of digital transformation efforts fail? A lack of customer focus. We’ll show you how AI is scaling and automating the level of insight necessary for businesses to adapt to the age of customer. You’ll learn:
  • How to help ensure digital success by adopting “customer obsession”
  • Why so many digital experience investments fail
  • How to make better technology decisions for your customer experience.

Presented by an IBM Executive

10:50 am - 11:20 am Keynote Case Study Remix: Working With Risk And Compliance Teams To Move Innovation Forward

Michele Fernandez - SVP Head of Compliance, BCI Miami
Financial institutions are looking to innovative technologies to improve their customer’s experience, but some of that tech can pose questions around privacy and intrusiveness. How can the financial services industry move ahead with innovation while ensuring that their customers’ information will be safe? This session brings together risk and compliance executives to discuss how innovation can advance in a heavily regulated environment.
·         Improving communication with risk teams by understanding how they evaluate innovation methods
·         Understanding how Big Tech innovates in a risk adverse environment
·         Keeping your customers safe while using innovative technologies 

Michele Fernandez

SVP Head of Compliance
BCI Miami

11:20 am - 11:40 am Keynote Case Study: How AI Can Improve Anti Money Laundering Processes

Sylwia Hans - Financial Services Director, US, Comarch
Sylwia Hans will give you an in depth look at ways that you can use AI to improve your anti-money laundering processes. She will talk about:

·        Accuracy and error
·         Reducing false alarms and the workload
·         Implementing: how and where to start 

Sylwia Hans

Financial Services Director, US

The conversation around the role that fintechs play in the evolution of the finance industry has been ever-changing. Fintechs were initially seen as a disruptor, they were then seen as potential partners in innovation. How will the relationship between fintechs and the finance industry keep changing? In this session we’ll talk about: 
•Understanding the goals of fintechs within the finance industry in order to partner effectively 
•Partnering with fintechs to expedite your innovation goals 
•Working with fintechs to offer your clients a wider variety of products and services
•Thinking about the larger disruptors that may be over the horizon


Michael Flynn

VP of Innovation & Strategy
Bank of the West


Davey Quinn

VP of Investments
United Income


Brianna Elssas

Head, US Digital
BMO Harris Bank


Scott Jones

VP, Treasury Management Product Manager


John Piazza

AVP Digital Innovation
MB Financial

12:15 pm - 12:35 pm Keynote Case Study: Card Rails Were Fast Before Faster Payments Was Cool

Matt Vanhouten - Senior Director – Visa Direct Strategy and Innovation, Visa
Amidst the global transition to real-time payments infrastructure, card rails represent an opportunity for banks, fintechs & corporates to bring new payment experiences to life right now.  With a connection to a small number of card networks, including Visa, programs can unlock access to global payees and benefit from card networks’ speed, risk framework, screening, reporting & settlement.  The assets required to support faster payments through card rails are already in place and represent a cost effective and fast path toward real time payments.
Card networks are capable of providing faster push payments in many markets around the world, but are often overlooked in the rush to build new domestic RTP schemes.  Attendees will learn how Financial institutions, payments providers and technology companies are leveraging Visa Direct to transform the way money is moved by consumers and businesses.

Matt Vanhouten

Senior Director – Visa Direct Strategy and Innovation

12:35 pm - 1:35 pm Lunch For All Attendees

12:35 pm - 1:35 pm Private Lunch Hosted by IBM

Track A: Digital Innovation

1:35 pm - 1:45 pm Chairperson’s Opening Remarks

1:45 pm - 2:10 pm Fireside Chat – Marketing Your Digital Suite Of Products To Increase Customer Adoption

Tamra O'Donnell - SVP, Director Corporate Marketing, Canandaigua National Bank & Trust
In many cases, when a customer opens an account it’s for one reason and they may not be aware of the rest of your offerings. In order to remain relevant and competitive, your existing and potential customers need to know how much you can offer them in terms of services and products. This session will be a chance for you to learn about:
•Identifying strategies for needs-based selling to put the right product in front of your customer 
•Targeting your offerings to the right customer at the right time 
•Providing your customer with the right information about your products that will show them how you can make their financial life easier 
•Increasing  the customer adoption of your digital products 


Tamra O'Donnell

SVP, Director Corporate Marketing
Canandaigua National Bank & Trust

Track B: Emerging Tech and AI 

1:35 pm - 1:45 pm Chairperson’s Opening Remarks

1:45 pm - 2:15 pm Fireside Chat: Creating A Roadmap For You Artificial Intelligence Strategy

Ram Ridgeway - VP of Digital Experience, Advia Credit Union
As we look ahead to the next 5 years, the stakes are much higher than they’ve been in the past. Large tech companies like Google and Apple have drastically changed customer expectations and other industries have also been encroaching on space that was once exclusive to financial services. Meanwhile, there is a lot of information – some accurate and some misleading – about the realistic implementations of artificial intelligence. What do you need to do to stay on pace with these innovations but also to protect your business from bad information? In this session we’ll talk about:
  •  Understanding realistic implementations of Chat Bots
  •  Reviewing results from experimentation with Chat Bots
  • Creating more efficiency without human interaction through the use of AI
  • Examining the AI roadmaps other industries have implemented
  •  Looking at the implications of “invisible” technology

Ram Ridgeway

VP of Digital Experience
Advia Credit Union

Closed Door Boardrooms For Financial Service Executives Only

1:35 pm - 2:10 pm Big Bank Boardroom

2:10 pm - 2:30 pm Innovation Spotlight presented by Horizn

Janice Diner - CEO and Founder, Horizn Steve Frook - VP Sales, Horizn

Janice Diner

CEO and Founder


Steve Frook

VP Sales

One of the biggest challenges to being innovative is having the right people on your team. Financial institutions are evolving and need to hire people that can push that evolution along successfully, but how can FSIs attract the talent they need when larger tech companies are doing the same? In this session we’ll look at strategies to solve the challenges facing teams and we’ll talk about:
•Rethinking the structure of your digital teams in order to be innovative and competitive 
•Identifying the talent you need to help meet innovation goals  
•Reaching out to talent in industries with a strong digital background to take your innovation to the next level 


Todd Keith

SVP - Experience & Innovation Team Manager


Sean Jones

AVP Digital & User-Experience
Redstone Federal Credit Union


Jennifer Wolfe

VP of Product Management
Partners Federal Credit Union

2:10 pm - 2:30 pm Innovation Spotlight Presented by LivePerson

Bryant Lee - Senior Solutions Consultant, LivePerson

Bryant Lee

Senior Solutions Consultant

Financial institutions understand what AI is and are now looking to understand how it can support customer experiences in ways that are beneficial to both the customer and the FSI. In this session, we’ll take a close look at the points in the customer journey when they’re moving from channel to another, and the ways that AI can support a seamless transition. Advanced technology can provide financial solutions that improve the digital customer experience and push the boundaries of how financial institutions shape their relationships with clients online. We’ll talk about:
•Using AI at various customer touch points without being intrusive
•Identifying customer needs based on their past behaviors on different channels 
•Taking privacy and risk into consideration when implementing AI to predict customer behavior 
•Drawing insight from customer interactions and helping  to reduce operational costs and serve increasingly tech-savvy consumers
•Using a combination of consumer insights, advanced analytics and digital technology to provide opportunities for financial institutions of all sizes
•Understanding the role of AI Digital Assistants and Guided selling to draw insights from customer interactions and data to help increase consumer engagements and serve tech-savvy consumers 


Christy Rogers

VP of Digital Strategy And Content Operations


Alex Carriles

Executive Vice President, Director of Mobile, Online and Digital Sales
BBVA Compass


Jonathan Taylor


2:10 pm - 2:50 pm Big Bank Boardroom (continued)

3:00 pm - 3:45 pm Snack Attack Networking Break & Speaker Breakdown

3:45 pm - 4:15 pm Case Study Remix: Using Design Thinking As A Means To Foster Innovation Within Your Organization

Jonathan Sandruck - Design Director, USAA
Today’s customer has many options for where to bank, and leaders in the financial services industry understand that consumer experience needs to be placed at the top of their list of priorities. Design thinking requires a user-centric approach for problem solving, and in this session we’ll discuss how to shift your organization to a Design Thinking approach.
•Analyzing the effects that a traditional banking model have on innovation
•Understanding how fintechs are using Design Thinking to meet customer expectations  
•Shaping your organization’s business model to meet the demands of today’s customers 
•Using Design Thinking as a tool that help financial institutions reach their innovation goals


Jonathan Sandruck

Design Director

4:15 pm - 4:25 pm Innovation Spotlight

4:25 pm - 4:55 pm Lightning Round Panel Discussion - Using Blockchain Technology To Improve The Customer Experience And Reduce Operational Costs

John Piazza - AVP Digital Innovation, MB Financial Nelson Chu - Founder & CEO, Cadence
While there is a lot of wariness regarding cryptocurrencies, the foundation of that tech has proven to have tremendous potential. In this session we’ll discuss the opportunities that exist with Blockchain and how it can be used to benefit your organization and your customers. 
•Using Blockchain to protect and secure your customer’s data from potential breaches 
•Understanding how Blockchain can provide your customers with transparency 
•Streamlining processes and improving the speed in which internal projects can be completed


John Piazza

AVP Digital Innovation
MB Financial


Nelson Chu

Founder & CEO

3:45 pm - 4:15 pm Case Study Remix- Breaking Down Machine Learning: Getting To Full Automation

Luis Benitez - VP Digital Workplace, Banco Popular
Machine learning is a dense and complex topic, and it’s important to distill it down to completely understand all of the opportunities available. This session will present an overview of machine learning, the governance around it, and how to move towards a decisioning process that could be fully automated. 
•Discovering tools or frameworks there are for machine learning 
•Determining whether you should bring this in-house to manage
•Reviewing the governance/operational/regulatory issues created by machine learning 
•Distilling down the automated decisioning process with machine learning to your regulators (internally and externally)  to make it less complex
•Leveraging these algorithms and their ability to make decisions FS companies can make better, automated decisions 


Luis Benitez

VP Digital Workplace
Banco Popular

4:15 pm - 4:25 pm Innovation Spotlight presented by Zest Finance

John Candido - Head of Data Science, Zest Finance

John Candido

Head of Data Science
Zest Finance

4:25 pm - 4:55 pm Lightning Round Panel Discussion: Allocating The Right Resources For In-Branch Technology In Order To Be Innovative

Lonnie Talbert - COO, Southwest Capital Bank Steve Ducey - CXO, Chief Experience Officer, Vibrant Credit Union Kristen Cronyn - VP of Digital Engagement, M&T
Many FI’s have begun to strategically close their branches in order to free up funding for technology innovations. What does this mean for the evolution of the branch? In this session we’ll talk about the strategies and technology you should implement in your branches to remain relevant and maintain customer foot traffic. 
•Implementing in-branch technology like video tellers and self-serve kiosks effectively 
•Measuring customer behavior shifts with in-branch technology trials 
•Equipping employees with technology that will enhance their roles 
•Deploying brand innovations quickly and effectively to increase customer engagement 


Lonnie Talbert

Southwest Capital Bank


Steve Ducey

CXO, Chief Experience Officer
Vibrant Credit Union


Kristen Cronyn

VP of Digital Engagement

3:45 pm - 4:15 pm SVP/C-Level Boardroom

Join your SVP and C-Level peers in this closed-door session where you’ll be able to network and exchange ideas with executives who are tackling the same challenges.

4:55 pm - 5:55 pm Sea Breeze & Palm Trees Welcome Reception

6:40 pm - 7:10 pm Conclusion of Day One