Our Past 2019 Speakers

Our speakers are heads of digital from some of the largest consumer, commercial, regional, and community banks, as well as a credit unions or wealth management organizations.

Dan Armstrong
Chief Digital Officer

Dan serves as the Chief Digital Officer and Managing Director of BankMobile, America's first completely fee-free, mobile-only chartered bank launched in January 2015.  Responsibilities include leading teams in product and feature development, mobile app requirements and design, CIP and new account origination, security, distribution and instant account-opening, customer acquisition and provisioning.  BankMobile is a division of Customers Bancorp (NYSE: CUBI).

With mobile banking and financial services, telecommunications and technology projects in 40+ countries, Dan brings distinctive expertise in developing new products, technologies and distribution strategies that accurately match technology with consumers’ needs. For the past 20 years, Dan has worked in Europe, Asia, Africa and South America start-ups, mobile banking/payments, instant-account opening and correspondent banking, telecommunications, NFC, cards, alliances, regulatory, feasibility and automation programs.

From 2009-2014, Dan worked on launching successful mobile banking and payments products for Dutch bank Rabobank, as well as large banks in countries like Brazil, Rwanda, Paraguay, China, India, Tanzania, Mozambique, Poland, Botswana, Zambia and Cameroon.  He has worked on contactless payments including establishment of a 3-bank/3-mobile operator venture in The Netherlands from 2009 to 2011 and served for three years on the Board of Directors of mBank Philippines, a mobile-only, nation-wide commercial bank.

One of the founders of pioneering Dutch GSM Service Provider Rabo Mobiel in the Netherlands from 2005-2009, Dan served as CTO responsible for telecommunications and mobile financial services technology.  Prior to 2005, Dan worked for companies like British Telecom, One GmbH, MobilTel Bulgaria, MCI, Sony, Netscape, Virgin Mobile, Veronica Mobile, and Proxicom.

Lisa Huertas
Chief Experience Officer
Texas Tech Federal Credit Union

For the past 18 years, Lisa has served the financial industry in a variety of leadership roles that include: Co-founder of a successful design and development firm for financial institutions, Vice President of a banking compliance company, and strategic consulting for financial institutions as FTSI’s Vice President of Emerging Markets. Lisa has worked with hundreds of bank and credit union leadership teams to understand and develop their vision, strategy, culture and critical technology. She has been described as innovative, a visionary for change, relatable, and an asset to industry thought leaders. Throughout her career, she has been recognized nationally for her professional excellence and offers compelling insight in her speaking engagements. In 2017, Lisa joined the executive team at Texas Tech Federal Credit Union as the Chief eXperience Officer where she continues the mission to grow the business model of the credit union, branch evolution and TTCU member experience.

Steve Ducey
CXO, Chief Experience Officer
Vibrant Credit Union

As the Chief Experience Officer of Vibrant Credit Union, Steve Ducey strives to create a world class culture that generates high performance results. He successfully led the rebrand of DHCU to Vibrant Credit Union in 2015 and hasn't taken a break since. He lives and breathes culture and brand awareness. Steve believes that banking doesn’t have to be boring and is dedicated to creating a culture and banking experience that proves it. This type of culture and atmosphere has led Vibrant to receive recognition as the Quad Cities Small Business of the Year, The Quad City Chamber’s Top Place to Work for Young Professionals and one of the top 5 Credit Union to Work for in the United States. 

Joel Smith
Bank of Tampa

Joel is Vice President, Chief Marketing Officer at The Bank of Tampa. In his role, he leads the team that provides strategic and operational marketing, communications and experience support that enables the exceptional delivery of the Bank’s products and services. Prior to that, he worked for various financial services organizations, including CSCU, Bank of America and Chase. Joel has his Bachelor of Science in Marketing from the University of South Florida and his Master of Business Administration from the University of Phoenix. Additionally, he is on the Board of Trustees of the Leukemia & Lymphoma Society – Suncoast Chapter and on the Marketing Committee of the National Pediatric Cancer Foundation.

Ruby Walia
EVP, Head of Digital banking, North America

Ruby Walia is an entrepreneurial C-Suite technology executive with proven track record in mobile, digital and product development. Ruby has helped large enterprises in mature industries transform themselves to thrive in an era of rapid technological change. He is a seasoned general manager with the operating experience, management skills, and vision to create strategy, attract talent and execute, transforming business models across industries, products and geographies. He is adept in the application of contemporary technologies like Artificial Intelligence, Cloud, IoT, and Blockchain.

Alex Carriles
Executive Vice President, Director of Mobile, Online and Digital Sales
BBVA Compass
Alejandro E. Carriles, Executive Vice President and Director of Mobile Strategy and Retail Innovation at BBVA Compass, is responsible for the mobile banking retail delivery channel, setting the overall strategic direction of the bank’s Mobile solutions in the USA, and serving as lead for retail innovation projects.

Mr. Carriles has led a renewed mobile strategy for the bank, which included the release of native mobile banking applications for the Android, Blackberry, iPhone, iPad, Windows Mobile and Kindle Fire platforms to complement the bank’s existing SMS Banking solution; redesigning the app fulfillment process, and a new marketing approach. As a result, the number of mobile app users increased over 10-fold in the last 3 years.

By focusing on the Customer Experience, Mr. Carriles has been able to lead projects that have influenced the industry, such as the Stand Alone Enrollment for Mobile Banking, effectively making Mobile a unique and independent channel from the traditional Online Banking, while at the same time dramatically improving the customer satisfaction among the bank’s mobile users.
Aaron Frydman
EVP and Chief Information Officer
Partners Federal Credit Union

As Chief Information Officer, Aaron is responsible for developing and delivering on the Credit Union’s overall technology strategy. Aaron leads the application architecture, development and support teams along with the data center, network operations and help desk functions. Aaron is focused on operational excellence, developing and supporting technology that securely meets our Member’s immediate and future financial needs with a seamless technology enabled experience.

David Berglund
SVP, Artificial Intelligence Leader
U.S. Bank

David Berglund joined U.S. Bank in 2017 and he serves as SVP, Artificial Intelligence (AI) leader. Mr. Berglund oversees the development of the Artificial Intelligence and Machine learning practice within the U.S. Bank innovation group including oversight of strategic product development, product innovation, risk mitigation, strategy and transformation efforts.  

Prior to joining U.S. Bank, Berglund spent more than seven years at Optum (a division of United Health Group, UHG). Most recently, he led AI within Optum's Advanced Technology Center, which included developing the enterprise AI strategy, building the R&D team’s emerging technology platform, and establishing a strategy for the company's innovation Intellectual Property. David held multiple prior roles at UHG including Entrepreneur in Residence, Managing Director of Portfolio Management, and Digital Product Developer. Berglund has lectured at the Wharton School and studied at Stanford University, the University of St. Thomas (MBA), Loyola University in Chicago (BS). Berglund, who co-founded Hoodstarter, an AI-powered web platform focused on economic development, resides in the Twin Cities, where he is highly engaged with his family and the local startup ecosystem.

Sara Rountree
SVP, Head of Digital
Union Bank & Trust

Rountree is a Digital Strategist who works with financial institutions to drive digital transformation against a strategic plan. Rountree joined Union in February 2018 to help concentrate strategic digital efforts and position the company for a digital future. Rountree has experience in various leadership positions where she partners across technology, operations, marketing, and business segment leaders to transform the digital customer experience.

Prior to Union, Rountree worked at Wells Fargo as Vice President of Credit Card Emerging Payments.  Previously, she held various leadership positions focusing on digital strategies for personal lending and online banking.  Rountree worked at SingleStone on the integration of HSBC and Capital One.  She began her career at Capital One working in email marketing and communications in Richmond, VA and with auto finance in San Diego, CA.  Rountree received her Bachelor of Science in Mathematics from Duke University.

Tracy Malave
Senior Vice President, Client Digital Services
Northern Trust

Tracy is an energetic, collaborative and highly motivated Product Management professional with 15+ years of experience creating the strategy, road map and managing the production of digital solutions that solve client and business issues.

Tamra O'Donnell
SVP, Director Corporate Marketing
Canandaigua National Bank & Trust

Tamra O’Donnell is Senior Vice President, Director Corporate Marketing for Canandaigua National Bank & Trust.  In this role, she is responsible for Traditional Marketing, Web and Digital Marketing, and Market Research for the Bank and the subsidiaries of the Corporation.   Tamra is graduate of St. John Fisher College in Rochester, NY, she earned Bachelor of Arts Degrees in Economics and Communication and a Master of Business Administration.   She joined CNB in 1989 and has held roles in Market Research, Product Development/Management, and Market Research.  She has managed the Marketing activities since 2005.  

Michele Fernandez
SVP Head of Compliance
BCI Miami

Michele Fernandez-Daniel is a banking professional with over 15 years of banking experience in regulatory compliance (consumer compliance, AML/BSA, CTF and OFAC).  She has held several leadership positions in various international banks. She currently serves as Head of Compliance for Banco de Credito e Inversiones (Bci) Miami Branch, responsible for the development, implementation and monitoring of the AML/CTF/OFAC and consumer compliance programs for the branch and Regional Compliance Officer overseeing the BSA/AML programs for Bci’s US operations. Prior to joining Bci, she served as the Chief Compliance Officer responsible for developing and overseeing the corporate compliance policy and compliance risk management program for a Panamanian Bank with a US presence.  

Ms. Fernandez-Daniel holds a Master’s Degree in International Business Administration from Nova University and an undergraduate degree in Business Administration from Florida International University.  She is a Certified Regulatory Compliance Manager (CRCM), and an Anti-Money Laundering Certified Associate (AMLCA).

Todd Keith
SVP - Experience & Innovation Team Manager

Todd Keith is an innovative leader, strategist and author who guides the Regions UX Design & Innovation team to create useable and delightful digital experiences, balancing storytelling with user experience and audience needs with business goals. He holds a Master’s degree in literature. His background in the publishing industry includes writing, designing, launching, and optimizing websites for numerous nationally-recognized organizations and publications, and authoring multiple books related to his native state and a city guidebook. His background, coupled with his pursuit of brand coherence and identity, balances marketing initiatives and the development of quality content in well-designed user experiences.

Elizabeth Kelly
SVP of Operations
United Income

Elizabeth Kelly serves as Senior Vice President of Operations for United Income, which uses technology to provide holistic financial planning and money management services for people nearing or entering retirement.


Prior to joining United Income, Elizabeth served as Special Assistant to the President at the White House National Economic Council. In that capacity, she led White House engagement with federal agencies and external partners to develop and execute the President’s retirement security, financial inclusion, unemployment insurance, and sustainable capitalism agendas. She also helped launch myRA (a no-fee starter savings product from the Treasury Department) and coordinated the development, rollout, and defense of major rules and guidance, including the fiduciary (“conflict of interest”) rule, Military Lending Act rules closing prior loopholes to cap loans to service members at 36% APR, and rules enabling states to create their own retirement savings plans. For her work, Elizabeth was chosen as one of Forbes 30 Under 30 in Law & Policy.


Earlier in her career, Elizabeth worked at the U.S. Department of Housing and Urban Development and as a law clerk to Judge Stephen A. Higginson on the U.S. Court of Appeals for the Fifth Circuit.


A native of New Orleans, Elizabeth holds a J.D. from Yale Law School, an MSc in Comparative Social Policy from the University of Oxford, and a B.A. from Duke University.

Angela Baker
Senior Vice President, Business Solutions Group Product Manager

Angela Baker is Senior Vice Present, Business Deposit, Lending & Payment Solutions Group Product Manager at Suntrust Bank. Angela is responsible for product innovation, product development, and P&L management focused on business clients within the retail and business banking metro markets.  Her team is currently focused on building out additional lending products to meet the needs of current Suntrust Bank clients and maintaining deposits in a rising rate environment. 

Prior to joining Suntrust Bank, Angela ran portfolio management for consumer and business credit card at KeyBank located in Cleveland, Ohio.  With over 12 years of payments experience, Angela has held various positions at PNC Bank and National City Bank.  Angela has a B.S. in finance and M.B.A. from University of Missouri.  She is a graduate from the CBA-BAI Graduate School of Retail Bank Management at Furman University.  Angela resides in Atlanta, GA with her husband and two young daughters.

Jay Tkachuk
Senior Vice President, Online Services (Digital Banking Channel)
Security Service Federal Credit Union
Jay Tkachuk leads the digital channel of the San Antonio-based Security Service Federal Credit Union (8th largest in the country), where his focus is the evolution of the company’s digital ecosystem to achieve business and member experience objectives. Brought in to establish the channel,  Jay is responsible for digital banking strategy, operations and user experience management and closely collaborates with other lines of business in internal adoption of digital technologies.  Prior to joining the Security Service Federal Credit Union, Jay has worked at  AMD, U.S. Global Investors and Apple. Jay holds an MBA and BA degrees from the University of Texas at Austin.
Brianna Elssas
Head, US Digital
BMO Harris Bank

Brianna is a dynamic and accomplished product management professional with proven success driving world class digital and omni-channel customer service experiences for large-scale consumer businesses. She's a visionary and strategic thought leader who drives innovation, business growth, and customer engagement by building and developing high performing teams and focusing on the customer. Brianna is a skilled communicator experienced in managing change and establishing strategic partnerships with internal and external customers. Specific customer servicing channels of expertise include: Online, Mobile, Chat, Email / Letter, SMS, VRU, and Agent Servicing Desktops.

Scott Jones
VP, Treasury Management Product Manager

Scott Jones is responsible for developing, communicating and executing PNC’s strategy around Real Time Payments (RTP®), the first new U.S. payments system in 40 years.

Before joining PNC, Jones worked for another major bank where he was responsible for faster payment systems including RTP and the Zelle Network®, a secure, bank-owned digital payments network. He has also worked with the payments line of business to identify and mitigate risks. 

Jones has held a number of operating executive roles including General Manager and Director of Operations for Supply Dynamics, a leader in supply chain visibility applications where he led product development teams for global Fortune 1000 clients in the aerospace, power generation, and heavy equipment industries. 

He holds a bachelor’s degree in operations management and entrepreneurship from the University of Cincinnati, and a master’s degree in business administration from Xavier University, Cincinnati. He is a certified Project Management Professional.

Michael Flynn
VP of Innovation & Strategy
Bank of the West

Michael has lead teams and organizations in defining and creating the future. He has been instrumental in transforming a hitech industry giant’s approach to engineering software across the lifecycle, guided co-development of an industry-disrupting business model enabling a telecom leader's entry into a new multi $B market, and forged strategic partnerships to realize 100% growth in innovation lab portfolio while securing multi-$M investments.

David Andrews
VP, Home Lending Sales Strategy

Currently serving as senior business line representative interfacing daily with leaders, staff andpartners of Home Lending to identify, analyze, and implement solutions that optimize sales andoperations in alignment with Home Lending strategy. Tasked with identifying leading-edgetechnologies and practices to improve the overall competitiveness, viability and sustainability ofHome Lending in conjunction with senior leadership team.

Purvi Shah
VP - Customer 360
American Express

Purvi Shah is Vice President, Customer 360 within the Enterprise Digital and Analytics group at American Express. She is responsible for creating a global, enterprise-wide view of all of American Express’ customers – both individuals and business so that we may provide them with the best customer experience every day.   

Purvi joined American Express in 2010 and has had multiple Product Ownership roles across Technologies, Merchant and Small Business teams where she demonstrates a focus on efficient project execution, manages costs while mitigating risk, and helps the team deliver an exceptional customer experience. She has a penchant for identifying customer needs and developing a cohesive strategy to meet them, which has resulted in her earning a U.S. Patent for her work. 

Prior to American Express, Purvi was a Manager within the Technology practice at Deloitte Consulting. She led the implementation of numerous large-scale custom applications for various clients.  In addition to project management and client service activities, she was instrumental in leading and contributing to a number of key strategic business development activities at Deloitte.

Purvi holds an MBA degree from the University of Texas at Austin and a bachelor’s degree in Information Sciences and Technology from Pennsylvania State University. 

In her free time, Purvi enjoys to play with her 3.5 year old twins and cooking.  She also loves venturing across the globe and has traveled to over 20 countries.   

Kristen Cronyn
VP of Digital Engagement
Kristen Cronyn, Digital Banking Product Manager, is responsible for recommending and managing initiatives through the mobile and tablet channel at M&T Bank. Prior to M&T Bank, Kristen has led, executed and fostered digital strategy for BlueCross BlueShield of Western New York, as well as one of the top marketing communications agencies in her hometown of Buffalo, New York.
Ram Ridgeway
VP of Digital Experience
Advia Credit Union

Ram Ridgeway is the Vice President of Digital Experience at Advia Credit Union. His team manages Digital Channels (Digital & Mobile Banking, Online Account Opening, Online Lending, and Phone Banking), Card Services, and the Member Contact Center.

Ram joined Advia (Kalamazoo, MI - $1.7B in assets) in March of 2018 and has over 11 years of experience in the credit union industry. In his 11 years of service, he has held various leadership roles in operations, digital delivery, retail support, payments, project management, and lending. His experience also includes leading an innovation team, establishing an outbound sales department, being the first to market with wearable banking in the US, and offering one of the top 10 mobile banking apps in the US for three consecutive years.

Ram believes in design thinking and rapid experimentation to test new technology. His team approaches new opportunities through the lenses of mobile first, branch optional, and creating a frictionless experience.  

Davey Quinn
VP of Investments
United Income

Davey Quinn is the Senior Vice President of Investments at United Income, and was previously a portfolio manager for Dimensional Fund Advisors. He has a MBA in Analytical Finance from The University of Chicago Booth School of Business, and a B.S. in Mechanical Engineering from Carnegie Mellon University.

Michelle Spellerberg
Vice President, Marketing & Digital Strategy
Alliant Credit Union
Christy Rogers
VP of Digital Strategy And Content Operations
Brenda Arndt
AVP & Director of SEO
U.S. Bank
Brenda Arndt joined the U.S. Bank digital marketing team as the Director of the Search Engine Optimization Program.  She is primarily responsible for supporting bank business lines with their online marketing efforts by providing SEO consultation and best practices. Brenda has over 14 years of online, digital marketing and social media experience for both large and small business.  Before joining U.S. Bank she was the Digital Marketing Manager for the Miracle-Ear franchise. Brenda and her husband are also former owners of three web based companies which helped small businesses build online relationships.

Brenda has a passion for helping businesses grow. For five years she taught web, SEO and social media strategy in conjunction with SCORE and has given numerous seminars in the online marketing space at conventions and forums.  She received her degree in Graphic Design from the University of Wisconsin STOUT.

Brenda lives on the west side of Minneapolis with her husband, daughter Amanda and their two very precocious cats Cutie and Ruby. She has kissed a stingray in Grand Cayman, sailed in the blue waters off Tortola, swam with turtles in Maui, taken river tours of Reisling country in Germany, hiked across the London Bridge, watched a glacier calf in Alaska, ridden her bike 500 miles across Iowa, snorkeled the waters of St Croix, and enjoys experimenting with new and innovative technologies in her spare time.
Milos Dunjic
AVP, Payments Innovation Technology Solutions, Channels Technology Solutions
TD Bank

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, he leads TD Payments Innovation CoE.

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.‎

Sean Jones
AVP Digital & User-Experience
Redstone Federal Credit Union

With nearly 20 years experience in UX/UI, Digital Marketing and CRO, and more than 40 awards in the last 5 years, Sean has had the pleasure of applying his craft for clients including ATT, Synovus Bank, Wake Forest Innovations, UPS as well as 100s of SMBs throughout Atlanta. 

Having recently relocated from Atlanta, Sean is thrilled to apply his talents to the needs of Redstone Federal Credit Union and it's members. Within the first year Sean drove a 544% increase in mortgage leads and a 55% increase in credit card conversions.

John Piazza
AVP Digital Innovation
MB Financial

Based in Chicago, John Piazza leads the digital innovation practice at MB Financial Bank, a regional bank with $20 billion in assets.  With an eye on leveraging new technologies, he focuses on new product development, digital strategy, and strategic investments.  He partners closely with groups across MB, from consumer banking to treasury management, as they look to advance their digital capabilities and plays an active role in building MB’s place in the fintech ecosystem.  Prior to his current role, he led digital customer acquisition and analytics and worked on corporate projects, including strategic planning and corporate development.  He also serves as a member of the Federal Reserve's Secure Payment Task Force and the Federal Reserve’s Directories Working Group where he helped develop a framework for an interoperable directory model for real-time payments in the US.

Scott Hurlbert
FVP Digital Channels
People's United Bank

Scott has broad experience in all aspects of Digital Channel Management - Leading the Digital Sales and Service Distribution efforts at People's United Bank. He leads the development of the bank's Digital Strategy and wins budgets and prioritization for theirroadmap.

He has direct experience managing critical online distribution channels while focusing on the development of staff, establishing strategic direction and enterprise level program management.

Over the last 20 years, Scott has held leadership roles in multiple operating environments including, build your own, buy and integrate and ASP hosted solutions. His areas of focus include Online Banking, Mobile Banking, eCash Management, Enterprise Content Management and Digital Marketing.

Kader Sakkaria
Director – Technology, Business and Portfolio Management
BMO Harris Bank

Kader is a dynamic IT Strategy Leader with over 25 years of experience developing and executing technology strategies and solutions that support company growth, including leading technology teams, roadmap creation, complex delivery plans, PMO, offshore capabilities development, large-scale change, technology and business consulting with a focus on enterprise, business unit, and executive team advisement. He has deep vertical expertise in Healthcare, Financial Services, Consumer and Industrial Products.

Jonathan Sandruck
Design Director

Jon Sandruck is a Design Director for USAA, where he leads the design team for Auto Ownership. He leads his team to create experiences that are usable, desirable, and feasible; using human-centered design and design thinking, and usability research. He's applied these methods to attract users, increase efficiency, and improve user satisfaction; providing incremental value of billions of dollars.

He is also the President of the Dallas/Fort Worth chapter of AIGA, the professional association for design.

Jennifer Wolfe
VP of Project Management
Partners Federal Credit Union
Chris Barlow
VP, Mobile Banking

Chris Barlow is Vice President of Mobile Banking for Webster Bank in Connecticut. With over 20 years of creating mobile and digital experiences, he has worked for Financial Services companies such as USAA, Citibank, Standard & Poor’s and American Express. Chris ran track and studied Organizational Behavior at Stanford University. Outside of work Chris is many things, DJ and international music enthusiast, science fiction geek, cyclist, sports nut, and doting father. He can be reached via email: cbarlow@websterbank.com.  Follow him on Twitter and Instagram @barlowdigital

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

Elliott Goldenberg leads the Product Specialist team in the North America region at Mastercard. He has more than 18 years of experience in retail, digital and payments. Before joining the North American region he led the Digital Payments team for Mastercard in the UK and prior to that he led the Digital Offers sales team at Barclaycard, launching its Bespoke Offers platform. Elliott has a passion for embracing technology to create great customer experience in scalable, repeatable ways – integrating all aspects of Mastercard’s technology to ensure integrity, safety and security.

Daniel Sanford
VP - Digital Strategy and Innovation
Wells Fargo

Daniel Sanford is a digital strategist and innovation accelerator at Wells Fargo. Daniel is responsible for identifying, evaluating and advancing transformational digital concepts and partnerships. In this role, Daniel collaborates with executives across Wells Fargo, top tier universities and many other groups within the entrepreneurship and startup communities to turn disruptive ideas into strategic opportunities through equity investments, partnership exploration, and test and learn activities. Prior to joining Wells Fargo, Daniel was a management consultant, at KPMG and North Highland, providing strategic, product and operational consulting services to many Top 20 Global Financial Institutions. Daniel earned his bachelor’s degree from North Carolina State University and currently lives in Charlotte, NC where he is an active leader in his local community and enjoys early morning workouts as a member of F3.

Rishi Gera
VP of Business Development

Rishi has 15 years of Financial Services experience in strategy, marketing, and partnerships. He has a passion for a stellar customer experience and financial services innovation.

Kyle Higgins
AVP, Credit Systems Transformation
PenFed Credit Union

Kyle Higgins is a seasoned professional providing strategy and transformation leadership throughout the consumer lending value chain through innovative uses of technology and organizational design.  Kyle’s focus is on empowering change agents in financial institutions with the tools and flexibility to concentrate on making their members’ experiences life-changing and tied to real world needs and events. 

Manuel Roggero
Director, Design and Partnership Innovation, Solution Acceleration & Innovation

Manuel Roggero is the Director of Design and Partnership Innovation for the Solution Acceleration and Innovation (SA&I) team, also known as "The Orlando Lab" at the Royal Bank of Canada. With labs in Toronto, San Francisco and Orlando, RBC is partnering with a diverse set of players, including startups and academia, to access and drive emerging trends. The SA&I team is responsible for delivering solutions that bring technological innovation in banking to life, from the initial idea all the way to client-facing implementation. RBC can credit innovations such as: e-transfers through Siri and a customer rewards system on Blockchain to the team's strategy and execution.


Manuel loves to work at the intersection between business, technology and design which has fueled a career of diverse work experiences within different industries such as Financial Services, Telecom, and Consumer Goods. For the past 8 years he has held roles in innovation units at corporations helping them in their digital transformation journeys. He has also mentored several start-ups in the FinTech space. As a former Chairman of Peru’s Banking Association he partnered with Ericsson to develop project BiM, an interoperable payments network between 24 financial institutions, adopted by Facebook as the main P2P payment rail through its Messenger App. The project was recognized and supported by the Bill & Melinda Gates Foundation.  Additionally, he has worked side-by-side with key professors at Cornell University and Harvard School of Engineering supporting mobile ocean observing networks and new light sensor hardware designs to help solve world sustainability issues.


Born in Peru, Manuel has lived in Brazil, New York, The Netherlands and Toronto and now has a home base in Orlando. He has a Master of Science in Management of Technology from NYU Tandon School of Engineering and has also completed the Design Thinking Bootcamp at IDEO. He is happily married, and has 2 sons.

Matt Vanhouten
Senior Director – Visa Direct Strategy and Innovation

Matt Vanhouten leads Visa Direct Platform Strategy and Innovation at Visa, a global payments technology company that connects consumers, businesses, financial institutions and governments in more than 200 countries and territories, enabling them to use digital currency instead of cash and checks.  Visa Direct is Visa’s push payments solution to support real time P2P payments and disbursements. Visa believes the global opportunity for real time push payments is $80 trillion in annual payments volume – with an excess of 85% of this fulfilled through checks, cash or other slow forms of payment.  Financial institutions, payments providers and technology companies are leveraging Visa Direct to transform the way money is moved by consumers and businesses.


Prior to Visa, Matt led product development for payments and fintech platforms at Wells Fargo, Sipree and J.P. Morgan

Greg Drakos
Executive Vice President

Greg currently serves as Executive Vice President of Vylla.com.  In this role, he is responsible for leading the team’s strategy, technology, marketing, and operations.  The team is currently building a next-generation, fully integrated digital mortgage and real estate technology platform. Since launching in mid-2016, the platform has achieved over $450M in volume and has successfully streamlined mortgage, real estate, and title transactions into a simple, unified consumer experience.


Previously, Greg was a Portfolio Manager for RNT Capital Management, where he was responsible for evaluating and directing distressed real estate investments for the $350M fund.  Before joining Carrington, Greg worked in the Leveraged Finance Investment Banking Group for Bank of America Merrill Lynch. There, he participated in structuring and originating over $5B of high yield bonds and leveraged loans for recapitalizations, new issues, and leveraged buyouts in a variety of industries.


Greg holds a bachelor’s degree from Cornell University’s School of Hotel Administration with a concentration in finance and real estate as well as an MBA and Master of Real Estate Development from the University of Southern California.  He is an active advisor in several real estate and financial technology startups.  In his spare time, he enjoys surfing, running, skiing, traveling, and spending time with his family in beautiful Southern California

Esteban Lamadrid
Team Lead & Architect for AI & Robotics
Banco Popular
Yan Solihin
Director of Cybesecurity & Privacy Cluster, Charles N. Millican Chair Professor in Computer Science
University of Central Florida

Dr. Yan Solihin leads the Cybersecurity & Privacy Cluster (10+ faculty members) and directing a diverse research portfolio in cybersecurity and privacy. He also leads the ARPERS Research Group in UCF and NCSU, and his research interests include computer architecture and systems for secure and private computation in the cloud and IoT. 

Achievements: As Professor at NCSU and UCF, I supervised and graduated 14 PhDs, 7 Master’s of Science students, and three visiting professors/scholars. Received more than $4 million in research grants from National Science Foundation, Intel, Samsung, IBM, Tekelec, and HP. Papers from my research group ARPERS have received 5,000+ citations, one of them received MICRO Best Paper Runner-Up Award, and three others were Finalist for Best Paper Award. Several of my research innovations have influenced commercial processors, e.g. cache partitioning and quality of service (now in Intel Xeon), DRAM cache (now in Intel Haswell), three different secure execution environment features (now in Intel SGX and AMD Memory Encryption), and TheMachine project at HP Enterprise

Craig McLaughlin
Craig McLaughlin is the Founder and CEO of the nationally recognized San Francisco digital experience strategy and design agency Extractable. For over 15 years Extractable has helped financial services firms build category leading digital experiences succeed at bringing in new customers and building deeper relationships with existing customers. The agency has history of recruiting and retaining best in class digital talent from a variety of industries and brings that expertise to bare for a national base of financial services clients. In his role, Craig is responsible for the overall strategic direction, growth and management of the company. He has led digital initiatives for over one hundred financial services institutions. Under his leadership, Extractable’s financial services clients have won more Web Marketing Association Awards than any other agency serving the category. Before starting Extractable, Craig worked in research and development at Sony Corporation. Craig received his BS in Information Systems from San Diego State University and holds a Master of Science in Information Systems.
Joe Salesky

As a seasoned leader in software, digital transformation and financial services. Joe heads CRMNEXT, Inc. and strategic growth for the Americas. CRMNEXT powers growth, convenience and service for one million bankers, 65,000 branches and frictionless experience for one billion customers served by large and small banks and credit unions globally. CRMNEXT helps banks grow assets by 10 to 20 percent per year, without increased costs, and grow profits by more than 25 percent. 

For more than 25 years he has led the creation of exceptional teams and businesses responsible for disruptive technology-enabled solutions in financial services and the Fortune 500.

Joe has been granted 21 patents for technologies broadly used by both consumers and large enterprises, including mobile banking and the original patent for web-conferencing. 

His achievements include the development and successful deployment of mobile banking solutions for 9 of the top 12 U.S. banks and the creation of award winning mission critical systems for more than half of the Fortune 500. 

Under the Clinton Administration, Joe was honored to be invited to serve as a founding member of the Council for Excellence in Government and be subsequently benchmarked as a leader by the inter-governmental technology leadership consortium. 

In addition to his role at CRMNEXT, Joe currently serves on the board of Beyond Differences, working to empower youth and end social isolation in schools. 

He and his wife Linda live in Marin County, California and have four daughters

Trevor Brosnan

Trevor Brosnan serves as the Head of Technology at Plastiq, a company backed by investors like Kleiner Perkins and DST Global that enables business owners and consumers to use a credit card for virtually any expense. Trevor is responsible for all product development, software engineering and technology operations at Plastiq.


Trevor has over 15 years experience building technology solutions in the Financial Services industry across areas as diverse as Investment Management, Payment Processing and Enterprise Financial Risk. Prior to Plastiq, Trevor held senior technology leadership roles at Moody's Analytics, Visa and Fidelity Investments. Trevor has a deep interest in financial services innovation and using technology to enable greater electrification of commerce.

Nelson Chu
Founder & CEO

Nelson is the founder and CEO of Cadence, the leading institutional investment platform for tokenized alternative assets. Prior to founding Cadence, he led a startup consultancy that helped companies build products and raise over $250M in venture funding. He began his career at several leading investment management firms, including Bank of America and BlackRock. He currently serves as an advisor to an ultra high net worth family office and is an active angel investor with notable investments including BlockFi, Cadre, Care/Of, Clover, dv01, Tala and Uala. You can read more about Nelson and Cadence at https://withcadence.io 

Janice Diner
CEO and Founder

Janice Diner is the CEO and Founder of Horizn, launching the company 6 years ago with global technology brands. Her creative vision and determination led to the development of a self-funded, profitable, world-class SaaS company. Horizn is a growth stage company with a high-performance Knowledge Platform that operates globally aiding companies in over 40+ countries and 15 languages. The Horizn Knowledge platform helps financial institutions and technology companies dramatically accelerate digital and mobile adoption.

Janice spent the early part of her career in leading Agency roles blending senior creative leadership with business technology. She is an award winning Creative Director, an accomplished speaker, a pioneer agency brand builder and was part of the original Canadian Facebook team. Janice served as an advisor at the MaRS Discovery District helping early stage tech companies commercialize, she is a board director for the SheEO and served as a judge for the Cannes Advertising Lions.

Romi Stein
CEO and Co-Founder

As Chief Executive Officer of OpenLegacy, Romi provides strategic direction and oversees OpenLegacy’s day-to-day execution. Romi has proven experience in all aspects of information-technology business leadership. He has a uniquely deep understanding of how to lead in this market, gleaned from fifteen years at IBM’s global headquarters where he became intimately familiar with how one of the top corporations behind legacy systems operates. At IBM, Romi played a wide range of leadership roles, including Senior Investment Analyst, managing a Country Pricing Group; and Principal Market Development Consultant, where he contributed to the development and growth of new markets in North America and Europe and launched the first industry storage software virtualization family. Romi holds a Bachelor of Arts in Accounting and Economics and a Master of Business Administration degree, both from Tel Aviv University.

Bruce Lowthers
Co-Chief Operating Officer, Integrated Financial Solutions

Bruce Lowthers serves as chief operating officer of the Integrated Financial Solutions (IFS) organization. In this role, Lowthers is responsible for developing and delivering FIS’ banking, wealth, payments and treasury offerings for financial institutions, retail, government and corporate clients in North America.


Previously, Lowthers served FIS in a number of executive positions, including head of the company’s Payments business, head of Product Sales and Global Sales Operations and general manager of the Global Payments Software business. Prior to joining FIS, Lowthers held the position of senior vice president of Community Markets for eFunds, where he was responsible for the P&L for all payment and risk products for that market. He also held executive officer positions at four startup companies.


Lowthers serves on the board of P20, the new transatlantic payment experience. He also serves on the American Transaction Processors Coalition. Lowthers was named 2017 “Maverick of the Year” by The American Business Awards and International Business Awards and “World’s Most Influential Payments Professional” by the World Payments Congress.


Lowthers holds a bachelor’s degree in business administration from the University of Massachusetts and began his career as a certified public accountant.

Jonathan Taylor has been innovating in technology for some 15 years. He serves as Chief Technology Officer for zoovu and leads the company’s Product Team and works closely with customers and partners. In addition to overseeing zoovu’s technology, Jonathan has responsibility for driving innovation through R&D activities and leveraging emerging technologies to bring the newest innovations to the company’s clients globally.

Jonathan is a technology veteran with expertise in Product, Architecture, Engineering and Technical Operations and has played a key role in developing zoovu’s technology to meet emerging industry challenges. 

Ted is an accomplished sales leader across multiple industries with a proven corporate and entrepreneurial track record. He has demonstrated success in developing and launching new technologies and expanding distribution and markets across a range of products and categories. He's proficient in managing vital customer relationships by developing mutual goals through collaboration with measurable objectives. Ted employs strategic thinking and proactive problem solving to drive sales and marketing as well as key support functions with an emphasis on exceeding goals and customer satisfaction.

Doug Parr
SVP, Sales, Marketing, and Business Development
D3 Banking

Doug is our senior vice president for sales, marketing, and business development. Prior to joining D3 Banking, Parr was chief revenue officer of Prairie Cloudware, where he managed a wide range of departments including sales, corporate development, and marketing. Parr also served as senior vice president at Entersekt and was senior vice president and general manager for the Americas Payments Division of S1 Corporation, where he doubled revenue in three years. Additionally, Parr spent 18 years with ACI Worldwide in a variety of senior and management positions, serving customer communities both domestically and in Europe, the Middle East and Africa. Doug is a thought leader in our industry and contributes to numerous publications as a source expert and guest contributor.

Steve Frook
VP Sales

Steve Frook is the VP Sales at Horizn and is focused on working closely with Financial Service companies to significantly increase their adoption / awareness of new and existing innovation. 

His natural ability to quickly understand Financial Institution challenges and ideate collectively towards a solution makes Steve the ideal individual to work with.

Steve has over 15 years of financial services experience across multiple facets, including; Price Optimization (Nomis Solutions), Ecommerce Fraud Prevention (Ethoca), Credit Decisioning (Dun and Bradstreet), and Electronic Payments (AutoScribe Corporation).


Richard Doughtery
Vice President, Segment Leader – Originations and Portfolio Management. Home Office Atlanta, GA

Rich Dougherty is a Senior Client Partner and Segment Leader for FICO Origination and Portfolio Management solutions. He has spent the last 25 years working with clients across Europe, Africa and the Americas helping them solve challenges and drive value through the originations function. He has performed a series of roles at FICO, including software developer, designer, architect, project manager and strategy consultant.

Neha Bhatia Ramdas
Global Director of Sales
Juntos Global

Neha is the Global Head of Sales & Partnerships at Juntos. She has extensive experience in complex sales and sales management. Her prior experience within financial services spans Investment Banking, Private Equity and Asset Management. Neha has experience working in Unites States, India, Singapore and France. She has a Masters in Mathematics from Cambridge University (U.K) and a Masters in Financial Mathematics from Columbia University (USA).

Sylwia Hans
Financial Services Director, US
Sylwia Hans is Financial Services Director for Comarch US. She has been working  in the industry since 2009 when she joined Comarch’s start up project iFIN24 – one of the first personal finance management systems for banks on the market. She has worked on international banking projects as a consultant, creating a new vision of the PFM.  She  currently specializes in business banking and wealth management solutions dedicated for banking.

Paul Burkitt
Head of US

Paul is a versatile, high impact technology leader in FinTech industry with over 20 years’ experience. Known for inspiring change, driving focused strategies and transforming organizations in fiercely competitive global technology businesses. His cross-functional expertise spans sales, marketing, product development, operations, finance, distribution and strategy. Paul is presently the Head of US for Unblu.

Seth Goldberg
Regional Director

Seth Goldberg is the Regional Director at Backbase. He has been in the digital and software space for more than 17 years and spent the majority of his career consulting fortune 500 companies in the areas of digital, social, media and advertising. His entrepreneurial spirit and tireless dedication have made him a trusted advisor in the fintech space. As Regional Director, Seth is focused on helping financial institutions with their digital transformations. He enjoys spending time outdoors with his wife and 3 kids and is a die-hard Chicago sports fan. 

Seth holds a bachelor's degree from Hofstra University. 

Tom Johnson
Senior Partner Cross Product Solutions

Tom Johnson is a Senior Partner, Cross-Product Solutions at FICO, responsible for bringing together the company's products and capabilities into new, innovative solutions for the market. Tom has 30+ years of experience helping lenders design and implement cutting-edge technology platforms, including the initial development of both DealerTrack and LendingTree. Prior to joining FICO, Tom spent 17 years at Zoot Enterprises, where he led product and business development.

John Candido
Head of Data Science
Zest Finance

John Candido is Director of Data Science at ZestFinance. Since joining the company as a data scientist himself in 2012, John has worked on all of the startup’s major underwriting machine learning models and partnerships, most notably working with companies like JD.com, Baidu and Ford Motor Credit in addition to many other domestic and international banks and lenders. John has also played a major role in creating the framework for the companies ZAML (Zest Automated Machine Learning) platform, which leverages the techniques and methodologies behind the companies experience in applying machine learning to the credit space, addressing model explainability concerns for business owners and regulatory considerations. Outside of ZestFinance, John has achieved the level of Competitions Master from the Google owned company Kaggle, for his stellar and consistent performance in real world machine learning competitions. He has also reached the rank of one of the top 100 data scientists in the world for his performances with Kaggle. John has an education in both finance and psychology research, holding a Bachelors degree from Hofstra University and a Masters Degree in Psychology from Chapman University.

Bryant Lee
Senior Solutions Consultant
Shane Kent
General Manager
Jake Kyle
Watson Customer Engagement North America Sales Executive
Olga Rodriguez
Content Director
Future Digital Finance 2018