Jeremy K. Balkin
Head of Innovation | HSBC
Jeremy K. Balkin is considered a leading international expert on ethics in banking, fintech and the strategic engagement of Millennials in financial services. He is currently Head of Innovation for HSBC and based in New York, where he serves on the U.S. Retail Banking and Wealth Management committee and is responsible for the fintech innovation and exponential growth strategy for the US. Jeremy is also the multi award winning author of two books, Investing with Impact: Why Finance is a Force for Good, and Millennialization of Everything: How to Win When Millennials Rule the World. The books have both received widespread international acclaim including the Gold Medal for Business Ethics at the Axiom Business Book Awards in 2016.
PANELISTS & MODERATORS
SVP, Marketing Officer | MountainOne Bank
Speaker bio coming soon!
SVP, Events | Networld Media Group
David Drain has more than 20 years of experience in association management, event planning, writing and speaking. He has served as executive director of the Digital Signage Association (a group he co-founded), the Self-Service & Kiosk Association and the merged organization, Digital Screenmedia Association. Previously he was EVP for the Foodservice Consultants Society International. He currently oversees five summits for Networld Media Group ranging from mobile, interactive customer experience, bank CX, restaurant franchising and fast casual restaurants.
VP, Customer Experience | First National Bank of Omaha
Don Elliott is the Vice President of Customer Experience at First National Bank of Omaha. In this role, he facilitates and promotes a customer-focused culture by understanding the customer experience, sponsoring improvement initiatives and reporting progress while engaging employees to create experiences that build customer loyalty and optimize business outcomes. Previously, Don was Director of Client Services for Ameritrade, where he created client journey maps and facilitated client forums to better understand the client experience.
Head of US Digital Channels | BMO Financial Group
Brianna Elsass is the Head of US Digital Channels. In this role, Brianna leads the digital efforts including: long term strategic planning, managing desktop and mobile platforms, and strategies and delivery of integrated North / South digital customer experience. Prior to joining BMO Harris in October of 2016, Brianna worked for Wells Fargo, Capital One, and Discover Financial Services where she held multiple leadership roles in digital and omni channel customer strategy. Brianna holds a BA from University of Iowa and earned her MBA from DePaul University. Brianna has served as the chairperson of The Washington Center alumni board for several years.
SVP, Global Payments Strategy | Evolve Bank & Trust
Donna Embry has 51 plus years of experience in the payments industry and currently serves as SVP, Global Payments Strategy for Evolve Bank & Trust. In addition, Donna serves as President of Embry Consulting, LLC. Her prior executive positions include Chief payments Officer for Payment Alliance International (PAI); Executive Vice President, Product and Marketing for Vital Processing (TSYS Acquiring) and Senior Vice President, Electronic Banking for PNC Bank, as well as Chief Operations Officer for PNC’s former division, CFC Financial Services. Donna authored the first ETA publication, The Encyclopedia of Terminology for the Acquiring Industry, and developed/taught the inaugural introduction series of classes for ETA University.
AVP, Retail Branching & Member Solutions | Affinity Federal Credit Union
Speaker bio coming soon!
Sr. VP, Retail Branch Distribution Strategy & Sales, Staffing Analytics | Regions Bank
Stephen Griffin is a Senior Vice President at Regions Bank and manages the Retail Network Strategy / Sales and Staffing Analytics Group. He began his banking career in 1992 and has 25 years of retail banking experience. Stephen has worked in various roles including branch management, branch operations, incentive management, data management, analytics and reporting management, along with his current role of managing the retail network distribution and market plans, sales analytics and the branch staffing model. His current role involves establishing a proper network for branches and ATMs, including De Novo, rationalization and optimization, physical design, new branch technology, aligning with digital partners and physical site selection.
Vice President | Idaho Central Credit Union
Lori Gull has been with ICCU 20+ years, responsible for branch operations. She helped propel ICCU to recognition as the top-performing credit union in the nation five years in a row and in the top three the past nine years. Lori serves on community boards and committees. She is a public speaker on topics of developing a world-class culture, achieving financial success, and leadership development. She is a guest presenter on business radio, university classes, and community events. Lori graduated BYU-Idaho and Western CUNA Management School. She lives in Idaho with her husband Ken.
COO & SVP, Operations & Member Relations | Los Angeles Police Federal Credit Union
Ron Guzman joined LAPFCU in October 2008. He presently serves as COO and Senior Vice President of Operations and Member Relations where he is responsible for overseeing the Operations, Communications, Consumer and Residential Lending, Card Services and Marketing Departments for the Credit Union. Ron has over 40 years of experience within financial services. He previously served for 10 years as Vice President of Loan Services at LAPFCU. In that position, he was responsible for helping to build LAPFCU’s loan portfolio and product offerings and oversaw the implementation of its participation lending program.
Digital Channel Manager | Advia Credit Union
Speaker bio coming soon!
Director of Training | ath Power Consulting
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 Director of ath Power Consulting’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.
Co-Founder, COO/CTO | Locality Bank io
Speaker bio coming soon!
Steve Le Roux
CEO & Founder | Envel
Steve Le Roux is the founder and CEO of Envel, a next generation AI-powered Bank that optimizes your income and manages your spending in real-time. Whilst studying towards a Masters in Finance at Harvard University, Steve invented a new way of banking based on the intersection of ethics and Artificial Intelligence to fully address behavioral economic challenges. Steve also recently graduated from Oxford Saïd Business School’s renowned Fintech Program. Steve is a visionary, innovator and FinTech/Tech Entrepreneur with 2 exits and has been successful leading game changing innovation within Government, Financial Services, NGOs and FTSE 100 companies.
Founder & Principal | The Long Group
Thomas J. Long, Jr., founder and principal of The Long Group, has over 30 years experience in research, strategic planning, product management and development, and marketing. Tom Long assists organizations including banks, credit unions and insurance companies in building brand identity, managing service quality, segmenting markets, evaluating distribution channels and conducting product feasibility analysis. Tom Long completed his undergraduate degree work at Boston College and received his Masters in Business Administration (MBA) from the Whittemore School of Business and Economics at the University of New Hampshire. He has been a guest lecturer at the Boston College Carroll School of Management MBA program, speaking on the topic of driving revenue and measuring effectiveness.
SVP, Chief Information Security Officer | Radius Bank
Joe Mancini is the Senior Vice President, Chief Information Security Officer at Radius Bank, an industry leading virtual bank. In his role, Joe develops and implements a forward thinking, business enabling information security strategy that protects the organizations infrastructures and assets. Prior to his role at Radius, Joe spent 10+ years at East Boston Savings Bank located in Boston, MA. Joe is an experienced banking leader having held roles in fraud prevention, information and cyber security. Joe’s specialties include data security, along with privacy and compliance requirements in the digital world. Joe is a graduate of Northeastern University in Boston, MA.
Senior Vice President Virtual Channels | Barclays
Kamesh Moola is a Senior Vice President in the Digital Innovation and Customer experience Group at Barclays, where he is responsible for the bringing innovative tooling and capabilities to US consumer bank. Prior to this role he was a digital leader within Global Capital Markets. He is a fintech advisor at RISE NY- Home of Fintech by Barclays. Prior to joining Barclays, he held various management positions at Big four consulting firms. He has over fourteen years of experience in providing management consulting services to financial services firms across I-Banking Operations, Asset Management and Wealth Management in the technology strategy and digitization areas.
CMO, North American Personal & Business Banking | BMO Financial Group
Maja Neable is CMO, North American Personal and Business Banking at BMO Financial Group. She is a dedicated customer advocate and passionate about creating innovative and intuitive experiences. Before BMO, Maja was Chief Customer Officer at Telenor, a worldwide telecommunications company. Under Maja’s direction, Telenor achieved leading NPS scores, overtaking their competitors by a significant margin. Prior to Telenor, Maja spent seven years building leading digital experiences at Expedia, the largest digital travel company in the world. She holds a Bachelor’s of Math from University of Waterloo, and an MBA from IMD, Lausanne, Switzerland. Maja is a proud soccer mom and an avid skier.
VP, Member Experience | Firstmark Credit Union
David Puente is a vice-president of member experience for the 14 financial centers and member care center at Firstmark Credit Union. He joined Firstmark Credit Union in 1991 and since been involved with several projects that included core conversions, mergers, card conversions, business services, and most recently talent development. David firmly believes positive relationships are the building blocks to a successful team and company. He has a passion for improving the financial well-being of those he interacts with on a daily basis. His educational background includes a B.S. from the University of Phoenix.
Senior Manager, Fraud Operations | First National Bank of Omaha
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.
President | Atlantic Union Bank
Speaker bio coming soon!
EVP, CMO, Digital Banking & Payments | Fairfield County Bank
Stephen Wooters is a 20+ year financial services veteran with a wide range of experiences with global, national, and community banks across retail and commercial banking. Steve’s celebrated career includes numerous payments and digital banking firsts – helping to launch things that are today common place in the industry. A member of the executive team at Fairfield County Bank, Steve is EVP, CMO and Head of Digital Banking & Payments. In his role, Steve provides leadership in developing and executing the bank’s marketing & digital agendas, ATM fleet, payment card programs, and cash management businesses – helping build primary bank relationships with the community bank’s very valuable customer base.
EVP, Chief Strategy Officer | Reliant Bank
Speaker bio coming soon!
Head of Product | ZenBusiness
Lamine Zarrad is the SVP, Financial Services at ZenBusiness PBC. He began his entrepreneurial journey shortly after immigrating to the United States then going on to serve in the U.S. Marines. He then built an expertise around banking regulations and financial services through work at Merrill Lynch and the U.S. Treasury’s Office of the Comptroller of the Currency. Lamine co-founded Joust in 2017, which was acquired by ZenBusiness in 2020. Lamine combines his passion for inclusion and product innovation skills to build the ZenBusiness platform.
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