Madhu Reddy has 24+ years of experience in technology and driving innovation in banking and pharma, covering business development, technology strategy, delivery, security, and operations. He has a passion for innovation and people development and has a track record of creating high-performance teams and driving innovative solutions. Currently, Madhu serves as the EVP & CIO at Republic Bank of Chicago. Madhu is responsible for leading IT to drive innovation and partner with business leaders to use technology as a strategic lever in achieving growth and delivering a differentiated customer experience. Madhu established partnerships with the emerging Fintech ecosystem and bring innovations to the customers.

Dave Richardson is the current Senior Manager responsible for Fraud Deposit Products for First National Bank Omaha. He has served various roles in his 21 years at First National Bank, including Credit Card Fraud Prevention and ATM Operations. He is currently responsible for maintaining and managing the bank’s non-card fraud prevention and risk mitigation strategies across the institution. His primary responsibilities address controlling fraud risk while enhancing the customer experience in online channels while partnering with the bank’s digital strategy teams. Dave serves on the bank’s Model Governance Committee and Electronic Banking Risk Management Advisory Group. Dave also spent 20 years in the Air National Guard while earning his Bachelor’s in Psychology and his MBA.

Ryan Tuttle is a Senior Consultant specializing in consumer finance at Euromonitor International. Ryan’s work at Euromonitor focuses on global trends and developments in cards, payments and lending. His professional interests center on the evolving role that technology plays in payments. Since joining Euromonitor in 2014, Ryan has presented to multiple financial companies and spoken at industry events, such as the Bank Customer Experience Summit and Payments Summit. His insights have been quoted and published in various publications, including The Paypers.

EJ Kritz is a seasoned strategist, trainer, and keynote speaker with extensive experience working for some of the finest brands in Financial Services, Retail, Call Center, Franchising, and Media. As the Executive Vice President of apc's Training, EJ supports banking organizations of all sizes to build and deliver world-class training solutions focused on such critical topics as Customer Experience, Leadership, Management, Needs-Based Sales, Employee Engagement, Problem Resolution, and more.