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Bricks, Mortar and the Evolution of Digital Banking

Legacy banking institutions are competing against a growing number of neo-banks and fintech startups. The challenge for those traditional FIs is to figure out how to transform their brick-and-mortar based ecosystem to excel in an increasingly digital world. Which internal systems and customer touchpoints will need transformational change?


Jessica Kendall Hornof | EVP, Retail Banking | First Citrus Bank

With over 18 years of leadership and banking experience, Jessica Kendall Hornof serves as the Executive Vice President of Retail Banking for First Citrus Bank, a Tampa Bay-based community bank that specializes in delivering personalized banking services to individuals, families, and local businesses. Jessica leads the bank’s deposit division, which includes managing strategic deposit growth, designing and improving the client experience, leading the branch management team, and guiding associate development. Jessica’s passion is developing the potential of people, delivering client experiences that exceed expectations, and inspiring others to do the same.

Leslie Martinez-Moreno | Sr. Manager UX & Design, Secure Banking | CIBC

Leslie Martinez-Moreno is the Sr. Manager of User Experience & Design (UXD) for Secure Banking at CIBC Digital. Her focus is on Online Banking, Mobile Banking and ATM. In 2014, she led the team that contributed to CIBC earning for the 1st. time (and for the following 4 years), the top score in Forrester Research Canadian Online Banking Functionality Benchmark. Leslie has been a key contributor to the strategies behind the agile adoption and she is now involved in the transition to Digital Product Design. In the late 90’s Leslie worked for a Consulting firm in Mexico City whose clients included Government Agencies and FIs.

Lamont Young | Head of Digital | Citizens Financial Group

Lamont Young is Head of Digital for Citizens Financial Group. Lamont and his team are responsible for strategy and investment in digital, the bank’s fintech accelerator practice, technology development within digital, management of the corporate website and online and mobile banking platforms, digital payments, digital sales, social and editorial media. He is also a member of the Consumer Bank Executive Committee. Prior to joining Citizens in 2012, Lamont held several leadership positions with Bank of America in digital sales, digital media and content development. Before joining Bank of America, he founded a firm that provided web and design services to small business.


Len Gaulin | Director, Business Solutions | Ventus Global Network Solutions

Len Gaulin is a Director Business Solutions executive for Ventus with over 30+ years’ experience selling comprehensive networking solutions to financial institutions. With a core focus on national retail banks and regional credit unions, Len has helped some of the largest banking institutions in North America achieve their strategic networking and communications goals.

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