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Brian Read

EVP & Head of Retail Banking | Umpqua Bank

In Brian Read’s current role, he oversees all retail operations for Umpqua’s 330 stores located throughout Oregon, Washington, Idaho, California and Nevada. He has more than 25 years of banking experience and has also held leadership positions in private banking, wealth management, consumer credit, product management and training. He is a graduate of Santa Clara University, where he earned a Bachelor of Arts degree in history and English. He also earned an MBA from the University of Washington’s Foster School of Business. Brian is a member of Greater Spokane Incorporated’s Board of Trustees and a past chairman and member of the Spokane Area Workforce Development Council.

Doug Stephens

Retail Prophet

The founder of Retail Prophet, Doug Stephens is one of the world’s foremost retail and consumer futurists. His research and insights have helped major organizations such as Air Miles, Home Depot, Disney and Intel understand exactly how mega-trends in demographics, economics, technology and media are forever altering consumer/brand relationships. And, what they need to do to adapt, evolve and innovate. Drawing on his 20 years of experience, Doug analyzes media trends, financial climates, demographic shifts, emerging technologies and everything in between to provide an unrivaled insight into consumer trends. Doug’s book, The Retail Revival, documents the rise of an incredible new era of consumerism leading to a complete redefinition of what retail is.


Cherian Abraham

Senior Business Consultant | Experian

Cherian Abraham is a senior business consultant at Experian. He focuses on digital commerce, payments and fraud for Experian and its global clients in banking and retail. Cherian works to extend Experian’s global capabilities in fraud, identity and credit risk into the online and mobile channel. Outside of Experian, he serves on the board of advisors at SimplyTapp, creators of Host Card Emulation (HCE) in Android, and at ModoPayments, a retail platform for personalized and instant in-store gifts and offers. Prior to Experian, Cherian founded DROP LABS, a mobile commerce strategy and advisory practice that offered objective research and analysis on mobile payment technologies and initiatives.

Alyssa Arredondo

Director, Financial Vertical | Entrust Datacard

Alyssa Arredondo is Director, Financial Vertical for Entrust Datacard. She joined Entrust Datacard in 2009 and is focused on branch transformation, central and instant issuance of payment cards and financial market trends. Prior to joining Entrust Datacard, she spent 13 years in the financial services industry at HSBC and US Bank where she managed several large co-branded credit card portfolios. Alyssa is fluent in French and has an MBA in International Marketing.

Chris Barlow

Vice President of eBanking and Mobile Product Manager | Webster Bank

Chris Barlow joined Webster Bank in 2011 as Vice President of eBanking and Mobile Product Manager. In his role, he leads the development of customer-facing digital strategies and defines and executes a multi-year roadmap for mobile/online development and innovation. Working with the eBanking, IT, Marketing and Product teams, Chris is responsible for creating digital functionality and user experiences for Webster’s customer touchpoints. A Stanford University Alumnus, Chris has over 20 years of experience in creating digital financial services experiences having developed innovative solutions for USAA, Citibank, American Express, and Standard & Poor’s.

Keith Bossey

SVP, Consulting, Financial Services | GfK

Keith Bossey has over 20 years experience in the fields of marketing research, management consulting and financial services. He now specializes in the global financial services sector where his engagements have spanned such areas as branding & communications, customer loyalty and satisfaction, innovation & product development, and corporate reputation. He has a diverse client base that includes leading companies in banking, wealth management, payments, and insurance. He began his career in financial services working for firms such as Mass Mutual and Paine Webber where his roles included sales, marketing and equity research.

Doug Brown

Senior VP & General Manager | FIS Mobile

Doug Brown currently leads FIS Mobile, the Fintech leader in digital with over 1,600 clients and 35MM users. He is responsible for business strategy, product development and P&L of the FIS portfolio of mobile banking, Cardless Cash, mobile retail and mobile check deposit. Prior to FIS, Doug was the SVP of Mobile at Bank of America, where he led the successful launch of BofA mobile banking and drove its mobile commerce strategy. Brown was the Product Marketing Director for edocs, a successful start-up software company focused on ePayments and eBilling, which was acquired by Siebel.

Sergio Chalbaud

CEO & Founder | Fintonic

Sergio Chalbaud is CEO & Founder of Fintonic, the number one banking app in Spain and Latin America. Sergio has extensive experience in the financial sector, building high growth companies in addition to nine years of banking experience. He holds an MBA from the University of Chicago Booth School of Business. Prior to creating Fintonic, Sergio founded IDEON, a technology and consulting firm specializing in the development of innovative financial services solutions backed by his success in Banesto (Santander Group).

Dickson Chu

EVP Strategy & Corporate Development | Ingo Money

Dickson Chu is Executive Vice President, Corporate Development and Chief Product Officer for Ingo Money. An accomplished general manager and product developer, he joined the company in 2014, a veteran of Citi where he served as Managing Director, Digital Networks and led the company’s launch of Google Wallet; PayPal, where he served as Vice President, Global Product and User Experience Design; and Yahoo!, where he served as General Manager, PayDirect, transforming the domestic p2p payments business into an internet-based international money transfer service. Dickson is a board member at Bluefin Payments, BoomTown and

Suzanne Cluckey

Editor |

Suzanne Cluckey is an award-winning journalist with a focus on providing clarity and context in her coverage of industry issues. As a writer and editor, Suzanne draws on 30 years of communications experience encompassing a wide range of subjects and disciplines. Her career has spanned corporate communications, strategic marketing and branding, radio and video production, and copywriting and creative direction for both B2B and B2C advertising campaigns. In addition to her current work for ATM Marketplace, Suzanne has written white papers and features for several other Networld Media Group publications, including Mobile Payments Today.

Geoff Conant

Founder | IA360

Geoff Conant, Founder of IA360, has his finger on the pulse of the fintech marketplace. Under Geoff’s watchful eye, IA360 has developed many innovative technologies and services that help all FI’s and merchants yield higher profits from customers while at the same time increase cardshare, activation rates, loyalty and spend. With his diverse background in both finance and marketing, Geoff has instilled the importance of “customer experience” in his team and the combination of innovative fintech solutions (like instant card issuance) and laser focus on customer experience has positioned IA360 as a global leader in its space.

Julie Conroy

Research Director | Aite Group

Julie Conroy is Research Director for Aite Group’s Retail Banking practice and covers fraud, data security, anti-money laundering and compliance issues. Julie brings more than a decade of hands-on product management experience working with financial institutions, payments processors and risk management companies. Most recently, she was Senior Vice President of Product Management with Golden Gateway Financial, where she developed and managed new financial services lines of business. Prior to that, she was Vice President of Product Solutions with Early Warning Services, where she managed a suite of fraud-prevention services that provided clients with more than US$1 billion per year in loss avoidance.

CarrieAnne Cormier

AVP/Retail Operations & Strategy | Avidia Bank

CarrieAnne Cormier is AVP/Retail Operations & Strategy at Avidia Bank where she oversees operations and strategy for their 10-branch retail network. After joining Avidia Bank in 2005, CarrieAnne worked in various positions at the branch level before moving into retail administration. Her solid background in branch-based operations has made her a key player in the planning and implementation of new product and digital banking initiatives, most recently being the rollout of cardless cash for Avidia Mobile. CarrieAnne is a featured contributor to outlets such as MX Money Summit, Bank On Social Month and American Banker for her work in digital strategy, social media and innovation.

Nancy Daniels

EVP & COO | Nautilus Hyosung America

Nancy Daniels oversees the ATM and branch automation business across North America for Hyosung, an international leader in financial transaction technology. In her role, she leads all operations, services, sales and innovation initiatives, and guides the company’s continued North American expansion. An industry veteran, Nancy brings an unparalleled global business and technology experience with Fortune 500 companies. She has served more than 25 years in various domestic and international leadership roles in the financial industry. Prior to this, she spent more than 15 years in the defense industry, where she worked in advanced development and as a technology analyst domestically and abroad.

Meredith Deen

President | FMSI

Meredith J. Deen began her career with FMSI in 1990. Currently, as President, Meredith spearheads FMSI’s day-to-day operations with particular focus on Client Relations and Software Development. She remains focused on upholding FMSI’s commitment to ethics and high-level service with every client, prospect and partner interaction. As FMSI continues to grow, Ms. Deen works to ensure a course of continuous improvement in order to maintain our solid client partnerships. Ms. Deen previously worked for a large Southeastern financial institution and uses that experience to appreciate the day-to-day concerns of clients and prospects. Ms. Deen holds a Bachelor of Arts in Mathematics and Economics from Agnes Scott College and an Executive MBA from Georgia State University.

Hutch Douglas

Senior Director of Mobile Payments | Capital One

The payments world is ripe for disruption, and Hutch Douglas’s mission is to navigate the change for Capital One, blending strategy with technical approach, and designing customer experiences to help Capital One win the hearts and minds of consumers. Hutch most recently led Capital One’s effort to build the Capital One Mobile Wallet, the launch of Apple Pay and other NFC payment solutions, services including card lock, instant card issuance, and big-data solutions to identify and avoid unwanted charges. Hutch earned his MBA from Cornell University, S.C. Johnson Graduate School of Management; and an MS and BS in Mechanical Engineering from Bucknell University.

David Dove

President – North American Business Group | Cardtronics

As President – North American Business Group for Cardtronics, David Dove leads Cardtronics’ North American division, driving growth for the company through its businesses in the United States, Canada, Mexico and the Caribbean. David brought his 30 years of payments and retail financial services industry experience in-house to Cardtronics in 2013, having served the company as a strategy consultant since 2009, as part of his role as Managing General Partner of Dove Capital Partners. Prior to Dove Capital Partners, David founded and ran the Dove Consulting Group for more than 25 years.

Justin Dunn

Senior Vice President, Director of Marketing | WSFS Bank

Justin Dunn leads corporate marketing for WSFS where he oversees the planning, development and execution of all marketing activities including: product development, market research, advertising and brand management, communications and media relations. Justin has been responsible for the successful launch of several innovative bank products and services. In 2015, WSFS became the first bank in the Mid-Atlantic Region to introduce cardless ATM technology. More recently, WSFS Bank’s passion to innovate brought to bear a strategic alliance with ZenBanx to launch a digital-only, multi-currency account that lets customers save, exchange and send multiple currencies from a single account.

Darren Easton

Director, Network Engagement | Center for Financial Services Innovation

Prior to joining CFSI, Darren Easton spent four years as the Senior Management Analyst at the Wisconsin Housing and Economic Development Authority, where he advised the executive director and governor on state economic and housing issues, developed new financial products and services, and facilitated communications between business, investors, lenders, and state government. He also served as Wisconsin’s Director of Statewide Competitive Recovery Operations where he oversaw private sector and local government applications for American Recovery and Reinvestment Act funds. A native of Ohio, Darren holds a B.A. in History with a minor in Black World Studies and a Masters of Public Policy Degree.

Joshua Goines

Sr. Director, Global Business Development | PayPal

Joshua Goines is the Senior Director of Global Business Development at PayPal, leading the strategy and execution of partnerships with Payment Networks and Financial Institutions. At PayPal, he has also held roles overseeing strategy and partnerships to grow PayPal’s in-store business. He has more than 15 years’ experience establishing and growing innovative new businesses related to payments and mobile technology, previously serving as the General Manager of GoBank, the award-winning checking account from Green Dot Corporation (NYSE: GDOT). During his tenure at Green Dot, Goines led distribution partnerships with key industry players, including Walmart.

Tom Harper

President & CEO | Networld Media Group

Tom Harper co-founded Networld Media Group and served as editor/publisher of its first site, He also co-founded the ATM Industry Association in 1997, and is the association’s current president. In 2002 he co-founded Church Central and the Society for Church Consulting. He is the author of Cash Box: The Invention and Globalization of the ATM and Leading from the Lions’ Den: Leadership Principles from Every Book of the Bible (B&H).

Kurt Helwig

President & CEO | Electronic Funds Transfer Association

Kurt Helwig is President and CEO of EFTA, the nation’s leading inter-industry trade association dedicated to the advancement of electronic payment systems and commerce. In this capacity he works with EFTA’s Board of Directors to develop and execute a comprehensive strategic plan that includes government and media relations, timely, content-rich meeting agendas, and value driven member services. Kurt is a regular contributor to Executive Agencies including the Consumer Financial Protection Bureau (CFPB), U.S. Department of Treasury, Federal Reserve Board, General Accountability Office and the Department of Agriculture on payment systems issues. Kurt currently serves as chairman of the ATM Industry Association’s (ATMIA) Board of Directors.

Will Hernandez

Editor | Mobile Payments Today

Will Hernandez has 14 years of experience ranging from newspapers to wire services and trade publications. Before becoming Editor of Mobile Payments Today, he spent two years as the content manager for, a leading payments industry news aggregator and information hub published by Mercator Advisory Group. He spent four years covering the payments industry as an associate editor for multiple publications in SourceMedia’s Payments Group based in Chicago including ATM&Debit News, CardLine,, ISO&Agent Weekly and American Banker. Will helped launched SourceMedia’s bi-weekly newsletter, Mobile Banker, and built and cultivated the Payments Group’s first Twitter presence.

TJ Horan

VP of Product Management | FICO

TJ Horan is Vice President of Product Management for FICO, leading the fraud solutions business unit. He is responsible for developing the strategic direction for FICO’s fraud products, and is also a key strategic leader in the area of transaction decisioning and analytics. TJ began his career with DuPont, where he helped design and maintain Expert Systems for process control. Since then, TJ has held a variety of technical and management roles in the fields of analytics, fraud and risk management and decision management at industry leading companies such as HNC Software and SAS.

Will Howle

President of U.S. Retail Banking | Citi

Will Howle became President of U.S. Retail Banking at Citi in 2014, responsible for the full spectrum of consumer banking needs including Citi’s small business clients. Previously, Will was President of Citi’s U.S. Commercial Bank and COO of Citi U.S. Consumer and Commercial Banking. He has more than 25 years of experience in banking, including commercial and small business, deposit services, trust services and wealth management in roles at Morgan Stanley, Wachovia and Bank of America. As Chairman of the Consumer Bankers Association, Will promotes the banking industry in serving the financial needs of American consumers and small business.

Mackenzie King

Director, Design Research & Insight Translation | Lextant

Mackenzie King is Director, Design Research & Insight Translation at Lextant, the human experience firm. Lextant provides research expertise using proprietary methodologies to fortune 500 companies. With over 9 years of experience, Mackenzie uses her unique background in research and business strategy to develop meaningful results for clients in industries including banking, automotive, CPG and healthcare. She has helped leading companies listen to and integrate customers’ voices to fuel the innovation process. Mackenzie’s areas of expertise include user experience, design research, and co-creation.

Mike Lee


Mike Lee has been CEO of the ATM Industry Association ( since 2005, a non-profit trade association with more than 5,000 members in 65 countries. He founded the association’s chapters in Europe, Asia, Africa and Australia. Mike is a qualified futurist, blogger for the World Future Society and author of Knowing our Future – the startling case for futurology and Codebreaking our Future – deciphering the future’s hidden order (both books available on Amazon). Mike also serves on the Board of Directors of the US-based Benefit Corporation Standards Institute.

Jorge Lemus

VP International Banking Payments | Scotiabank

Jorge Lemus is responsible for the overall strategic direction of Scotiabank International Banking Payments and managing all card based products and mobile payments. Before joining Scotiabank, Jorge was part of the Grupo Financiero Uno executive team as COO at Globalcard, a joint venture with Scotiabank issuing credit cards targeting the unbanked and underserved segments in Mexico. Prior to Globalcard Jorge was COO at Spira, a joint venture with Grupo Financiero Invex, creating the first non-bank credit card issuer in Mexico. Prior to that, Jorge was VP, Latin America Operations & Technology at Citibank, leading a multi-national cards initiative.

Dan Littman

Policy Advisor | Federal Reserve Bank of Cleveland

Dan Littman is a policy advisor at the Federal Reserve Bank of Cleveland. Dan’s focus is on payments methods and instruments in the US, including check, cash, ACH and emerging payments. He has more than 20 years of applied “central bank” payments experience, helping to manage the Cleveland bank’s priced services and the Federal Reserve System’s national check and ACH services.

Wayne Malone

CEO | Citishare

Wayne Malone has over 25 years experience in payments with two of the world’s largest FIs: Citibank and JP Morgan Chase. Over this time, he has helped build a merchant acquiring business, launched global debit card programs, managed global ATM channels, introduced Citi ATMs at 7-Eleven, created retail bank loyalty programs (Thank You), expanded remittance initiatives, developed liabilities business strategies, helped introduce prepaid card programs around the world and is currently heading Citi’s proprietary switch network called Citishare. In addition, he continues to manage Citi’s international ATM, Debit and Consumer Prepaid businesses.

Sean McCarthy

Global Business Development Executive | IBM Technical Support Services

Sean McCarthy is a Global Business Development Executive within IBM’s Technology Support Services. He has over 25 years experience in the Self Service and Branch Transformation arena, which is where he devotes his energy to help financial institutions transform their clients experience. He is a graduate of Edinburgh University (MBA) and Napier University (DipM), Scotland.

Bob Meara

Senior Analyst | Celent

Bob Meara is a senior analyst with Celent’s banking practice. His research focuses on the branch and ATM delivery channels, customer analytics and check and cash payment processing technologies. A well-known authority on remote deposit capture, Bob has led multiple consulting engagements including several proprietary research projects involving financial services hardware, software and the impact of self-service on branch banking. Before joining Celent, Bob was the director of product marketing at Alogent. Prior to Alogent, Bob also held positions in marketing and brand management at Stonebridge Technologies, Software, BellSouth, Hayes Corporation, and Procter & Gamble.

Pat O’Donnell

Senior Vice President | KeyBank

Pat O’Donnell is a Senior Vice President at KeyBank, leading the Client Solutions Development initiative within Enterprise Commercial Payments. Prior to joining Key, Pat served as Managing Director for J.P. Morgan, specializing in domestic and international payment solutions. Additionally, she held the position of Vice President of the Central US Region for Digital Equipment Corporation. In 2015, she began serving her two year term as the Chair of the Electronic Funds Transfer Association. Leveraging her experience in the technology and financial services industries, she works to balance the needs for continued innovation, increased efficiencies and ubiquitous access in solutions brought to market.

Tom Ormseth

SVP, NonCredit Services | Wintrust Financial

As Senior Vice President of NonCredit Services for Wintrust Financial, Tom Ormseth is responsible for commercial and retail product development, treasury management, international, derivatives, municipal and various other duties. He is also the Head of Treasury Management. In that role, he is responsible for product development, product implementation, sales support and profitability analysis. Tom has been in banking since 1985, having worked previously with ABN AMRO and LaSalle Bank.

Bruce Owens

VP, North America ATM Channel | MasterCard

As VP, North America ATM Channel for the MasterCard Worldwide Global Products and Solutions organization, Bruce Owens works with global teams to advance the cash access value proposition on MasterCard credit, debit and prepaid products. Prior to his current role, he held positions overseeing operational and development teams responsible for MasterCard’s global processing network as well as industry account management assignments. Outside of MasterCard, Bruce was a partner/owner in a consulting firm that provided consulting services for telecommunications, payments and Internet. As a partner, his roles included strategy and direction setting, sales and consultancy expertise in payments and Internet.

Mike Panzarella

Senior Vice President of Product | Green Dot

Mike Panzarella is the Senior Vice President of Product at Green Dot. In this role Mike oversees all aspects of Green Dot’s online, mobile and card services and features. He joined Green Dot in December 2014 as Vice President of Product, and was responsible for Green Dot’s product delivery platforms and product creation. Prior to Green Dot, Mike was the Director of the Financial Services Practice at Perficient, a digital transformation consulting firm where he was responsible for the management, strategy and solution offerings for banking, insurance and capital markets firms across North America.

Hans Reisgies

Founder and Chief Technology Officer | Sequent

Hans Reisgies is a Founder and Chief Technology Officer at Sequent. Hans is a widely known evangelist for mobile payments and an established thought leader and a trusted advisor to banks, merchants, carriers, and other mobile commerce players. Hans was instrumental in launching commercial mobile payments programs involving American Express, Bank of America, Blackberry, BART, Citi, CIBC, Cubic, Discover, MasterCard, Motorola, Nokia, Rogers Wireless, Samsung, Sberbank, Visa, amongst others. Previously, Hans led mobile business development at ViVOtech from 2005-2010 and has been active in the NFC Forum and Global Platform standards bodies. Hans’ specialization in mobile payments has yield more than a dozen patents filed and granted.

Rachel Rich

Sr. Marketing Manager | BMO Financial Group

As Sr. Marketing Manager at BMO Financial Group, Rachel leads the North American digital adoption and engagement marketing strategies focusing on behavioral change programs that optimize the digital funnel and builds a strong foundation to ensure support of the bank’s strategic priorities of customer growth and enhanced customer experience. She joined BMO Financial group in 2011, upon the merger with M&I Bank. With over 15 years of dynamic marketing experience Rachel brings a unique set of qualifications that enables her to effectively lead, develop and manage all aspects of integrated channel campaigns.

Glen Sarvady

Managing Principal | 154 Advisors

Glen Sarvady is a 20 year veteran of the payments industry. Through his firm 154 Advisors he helps FIs and their service providers navigate the rapidly evolving payments landscape through areas like digital wallets, the US EMV rollout and consumer segmentation. Previously Glen was the co-lead of McKinsey & Company’s Global Concepts payments unit, where he was the firm’s subject matter expert on electronic banking, bill payment and e-billing. Glen also held several senior operating and financial roles at electronic payments pioneer CheckFree prior to its acquisition by Fiserv. He is a former Federal Reserve bank examiner, an active board member of the Technology Association of Georgia’s FinTech society, and a founding board member of the University of Pennsylvania Students’ Federal Credit Union.

Hyonwoo Shin

CEO | CV Systems

Hyonwoo Shin serves as the Chief Executive Officer of CV Systems. He brings years of experience in the financial technology industry leading several technology companies serving financial institutions including banks, credit unions and mortgage origination companies. He also co-founded Fortitude Investment Partners in 2012. Hyonwoo has a strong background in capital markets, corporate restructuring and private investing stemming from over two decades in senior positions at Lehman Brothers, Jefferies, Global Hunter Securities, and Marathon Asset Management. Hyonwoo served in the US Army and is a graduate of the U.S. Military Academy, West Point, NY.

David Tente

U.S. Executive Director | ATMIA

As US Executive Director for the ATM Industry Association, David Tente is responsible for leading ATMIA’s largest region. He also serves as co-chair of the EMV Migration Forum’s ATM Working Committee. His career has been focused on ATMs, payments, image capture, and technology licensing for more than 20 years.

Daniel Van Dyke

Analyst | Javelin Strategy & Research

Daniel Van Dyke is an Analyst in Javelin’s Mobile practice, exploring the intersection of banking, payments and mobile device. In his five years at Javelin, Daniel has worked closely with clients to derive profit from mobile developments in financial services, with particular focus on mobile banking, mobile wallets, and mobile payments. Daniel has authored reports with topics spanning wearables, mobile POS, photo banking, mobile wallets, neobanks, and other topics ranging from the cutting edge to longitudinal trend tracking. Daniel also leads scorecard reports which track and rank the mobile banking offerings of the largest vendors and financial institutions in the U.S.

Sarah Wroble

Account Supervisor | William Mills Agency

As an account supervisor, Sarah is responsible for managing the day-to-day tactical and strategic deliverables for clients. She works directly with the media to clearly communicate her clients’ value and key messages.Sarah joined the William Mills Agency in 2006 and works with numerous companies serving the technology and financial industries. Sarah graduated summa cum laude from the University of Florida with a Bachelor of Arts in public relations.

Charles “Bud” Yanak

Director, Product Management & Partner Development | Fujitsu

Bud is the director of product management & partner development for Fujitsu Frontech North America’s Biometric Solutions. Bud has over 20 years of experience in Biometric identification technologies including iris, face, fingerprint and palm vein. Having been involved in all aspects of product and system development, from requirements and design through pilot, implementation and system deployments, he has ‘hands on’ experience in deploying financial and healthcare biometric identification solutions worldwide.

Shehla Zafar

Global Industry Director for Banking | Kofax from Lexmark

Shehla Zafar brings over 18 years of experience in consulting, project management and digital transformation. In the last three years she has helped banks develop strategies to achieve their goals around digitization, omnichannel and customer experience. Shehla is responsible for developing Kofax from Lexmark’s banking solutions strategy that addresses the latest information trends and challenges for banks. She is focused on driving and promoting solution capabilities that encompass process automation, mobile capture and analytics to address banks’ information challenges.


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