Agenda
How the commercial payments industry is gearing for growth through innovation and creating the solutions businesses need now to manage risks and optimise efficiencies in B2B transactions.
Registration & Networking Breakfast
Welcome address
State of the market
The commercial payments industry is transitioning into a new economic and technological era that presents new challenges and opportunities in digital transformation for global companies. The virtual, invisible and seamless nature of payments in modern ecommerce, embedded in apps and sites, mobile wallets, tokens and cards is creating a rich and diverse ecosystem created and supported by payment leaders in banks, fintechs and big tech. In this ever evolving ecosystem, industry leaders discuss the impacts of transformation and innovation of payments on global enterprises, and the major forces and trends that are driving growth in the new economic environment, as well as risks ahead.
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Eric Tak
Global Head, ING Payment Centre
Eric Tak
Global Head, ING Payment Centre
October 18th 2022-
09:05amState of the market
Eric Tak is Global Head of ING’s Payments Centre, responsible for defining the bank-wide Payments Strategy and execution of the bank-wide roadmap for all segments across the ING network. Eric joined ING as Global Head of Cards in 2011 following his experience as Director of Cards Products and iDEAL with Dutch payments scheme management company Currence from 2005 onwards. Prior to that he has worked for ten years at PricewaterhouseCoopers/PwC Consulting as Associate Director, Financial Services Sector and after the acquisition by IBM as Associate Partner. Eric started his career from 1991-1996 with ABN AMRO as Relationship Banker Corporate & Global Clients and Cash Management Consultant. Eric studied Business Economics (Vrije Universiteit Amsterdam) and Business Administration (Nyenrode University).
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Veronica Fernandez
Senior Vice President and Regional Head of North America Business Solutions. Visa
Veronica Fernandez
Senior Vice President and Regional Head of North America Business Solutions. Visa
October 18th 2022-
09:05amState of the market
Veronica is Visa’s senior vice president and Regional Head of North America Business Solutions. Visa Business
Solutions (VBS) enables businesses to thrive through products that provide better cash flow, administrative
efficiency, control and acceptance. From small business to large corporate and governments, VBS products cover
all forms of business spending, including Small Business, Commercial, and Virtual Cards. Veronica is responsible for
the business, strategy and go to market for the U.S. and Canada.
Veronica joined Visa in February of 2007, and has led numerous teams across Visa Business Solutions, North
America Merchant and Prepaid. Prior to joining Visa, Veronica held product management and business
development roles at U.S. Bank Corporate Payment Systems in Minneapolis, MN.
Veronica earned a Bachelor of Arts degree from the University of Minnesota. She is passionate about the
advancement of underrepresented at Visa and in Silicon Valley. Veronica sits on the Board of NextUp – Network
of Executive Women as a Director-at-Large and is also on the Advisory Board for Latinas in Tech Bay Area. Ms.
Fernandez is a native of Buenos Aires, Argentina and lives with her husband and nine-year-old daughter in the Bay
Area. -
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Lia Cao
Global Co-Head of Corporate and E-commerce Sales & Solutions, Payments, J.P. Morgan
Lia Cao
Global Co-Head of Corporate and E-commerce Sales & Solutions, Payments, J.P. Morgan
October 18th 2022-
09:05amState of the market
Lia is the Co-Head of Corporate & E-Commerce Sales & Solution at J.P.Morgan Payments. Her responsibilities are to co-lead the sales & solutions teams globally to offer clients solutions that range from Treasury Services, Merchant Services, Trade & Supply Chain Finance to Commercial & Prepaid Cards. She has additional responsibility for Digital Channels across all client segments.
Previously, Lia was the Global Head of Wholesale Payments Solutions and North America Head of Treasury Services Corporate Sales at J.P.Morgan. Prior to that, she held various senior leadership roles such as Head of Business Transformation for Treasury Services, Head of CIB Strategy in the Americas. She also worked in the CIB Chief of Staff Office on strategic execution. Lia joined J.P. Morgan in 2011 in the Corporate Strategy Group and was responsible for leading many cross-line of business projects. Prior to joining J.P. Morgan, Lia worked as an Associate Principal in McKinsey & Company, a leading global management consulting firm. She spent more than five years at McKinsey, serving a wide range of banking and capital markets clients. -
Moderator
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Andrew Jamison
CEO & Co-Founder, Extend
Andrew Jamison
CEO & Co-Founder, Extend
October 19th 2022Andrew is the CEO and Co-Founder of Extend. Prior to starting Extend, Andrew was the head of B2B Corporate Payments Products at American Express with a mandate to drive digital payment innovation and adoption. Over the course of six years, he doubled B2B payment volumes by launching and scaling new capabilities and platforms. Prior to American Express, Andrew spent eight years managing global SAP deployments for large multinational corporations.
Solving acceptance challenges for merchants
Commercial card leaders ask ‘are we still solving the acceptance side for B2B payments or are the solutions out there already?’. For some, the process of merchant acquiring and acceptance still represents a challenge in a competitive payments marketplace. In this session we examine strategies in creating stickiness in commercial card products, to attract and retain merchants in markets, and look at best practices and solutions in optimising the supplier onboarding process and experience. In a price sensitive market, what are the incentives for merchants today?
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Abhishek Abhishek
Global Head, B2B Acceptance, Visa
Abhishek Abhishek
Global Head, B2B Acceptance, Visa
October 18th 2022Abhishek leads B2B Acceptance globally for Visa. He is focused on delivering holistic solutions for end-to-end acceptance enablement and expanding the network of suppliers accepting Visa for their B2B payments. His team is expanding acceptance through innovative solutions, partnerships and relations with strategic suppliers globally by acknowledging and addressing merchant pain points.
Abhishek joined Visa in 2019 from American Express where he spent 10 years building the travel consulting and the B2B payments businesses Before that he was at McKinsey & Co., serving fortune 100 companies on operations strategy, product development, manufacturing, and procurement.
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Ray Champ
SVP, Commercial Card, Citizens Bank
Ray Champ
SVP, Commercial Card, Citizens Bank
October 18th 2022Ray leads the Commercial Card product strategy encompassing core product management, development, and payables. Ray leads a number of initiatives to drive competitive differentiation for Citizens and more importantly, value for its Commercial Banking customers. Ray’s team is also responsible for strategic product roadmaps across traditional card, virtual card, spend reporting tools, and supplier enablement. Previously, Ray served as the lead of Commercial Products at Mastercard in North America managing Product development and management initiatives for the small business, mid-market, large market and public-sector segments. Ray was charged with developing a differentiated product strategy across a host of Commercial Card assets. In addition to Product, Ray also led Mastercard’s relationships with a number of issuers including JPMorgan, WEX, HSBC, and Citizens spanning credit, debit, prepaid, cobrand, and commercial card portfolios.
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Paul Krumholz
B2B Product Manager, NAM Commercial Cards, HSBC
Paul Krumholz
B2B Product Manager, NAM Commercial Cards, HSBC
October 18th 2022Paul Krumholz is the HSBC North America Head of B2B Commercial Card Products. Prior to joining HSBC in 2019, Paul held similar roles for Citi starting in 2012. As well as a background in B2B products such as Purchasing Card and Virtual Card, he has expertise in supplier enablement/supplier enrollment for B2B Card programs. Prior to Citi, Paul had a career as an officer in the United States Navy.
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Karen Mays
Manager, National Accounts,Yojna
Karen Mays
Manager, National Accounts,Yojna
October 18th 2022Karen Mays is the Manager of National Accounts at Yojna and has served in this capacity for the last 20 years. Yojna is a fintech developer of treasury management and commercial card business process automation. Yojna’s customers include three of the top four largest banks in the U.S. and several regional commercial banks.
Prior to joining Yojna, Karen was a Project Manager/Internet Consultant/Senior Sales Specialist for IBM within the Financial Services Industry. Karen is an experienced Information Technology Professional with cross-industry experience and excellent skills for short-term and strategic planning, contracts, projects, operations and financial management and sales engineering. Karen has a Bachelor of Science Degree from Indiana University’s Kelley School of Business.
Moderator
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Frank Martien
Managing Partner, Windward Strategy, Inc.
Frank Martien
Managing Partner, Windward Strategy, Inc.
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Frank Martien founded Windward Strategy, Inc. in October 2020 to provide strategy consulting for B2B payments. Post-MBA, Frank joined First Annapolis Consulting (“FA”) in 1996 where he focused on card strategy, launch, and optimization for networks, financial institutions, technology companies, and private equity firms in the U.S., Canada, and numerous other country markets. He was named an FA equity Partner in 2006. Following FA’s acquisition by Accenture in March 2017, Frank continued as a Managing Director through October 2020 with a focus on commercial, business, and consumer payments. He has served on the global advisory board of Commercial Payments International for many years.
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Welcome networking
Connect at the welcome networking break. To kick off the event, all attendees will enjoy speed networking to make a quick and informal introduction to our partners.
Commercial payment systems transformation for corporates
From a corporate perspective, the world of commercial payments can look like a confusing place, with a plethora of products and torrent of technologies available for business transactions, making the task of internal payments systems transformation as daunting as exciting. It might be tempting to just stick with checks, were it not for the benefits of virtual cards, AR/AP STP, APIs and technologies that improve internal cash management and liquidity. In this session, corporate payments leaders talk us through the steps they took to plan, resource and project manage payments transformation, in their business and how they measure the benefits.
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Manish Dhole
SVP - Commercial Cards Global Head of Networks & Strategic Partnerships, Citi
Manish Dhole
SVP - Commercial Cards Global Head of Networks & Strategic Partnerships, Citi
October 18th 2022 -
Vivek Jha
Head of Commercial Card, Truist
Vivek Jha
Head of Commercial Card, Truist
October 18th 2022Vivek Jha is a Senior Vice President at Truist and is responsible for all aspects of the Commercial Card business that includes in-hand products & solutions set, commercial card virtual payments offerings, supplier onboarding, relationship management, rebate management, client onboarding & servicing, and overall strategy for the business to support middle market, large corporate and public sector Commercial Card customers. Vivek has been at Truist (through the BB&T & SunTrust merger) since 2018 where he briefly was the head of Treasury Solutions Product as well. He has played many roles in the payments industry for close to three decades as a developer, solutions architect, technology leader, management consultant, and senior advisor at some of the largest institutions globally. Vivek holds an engineering degree in Computer Science and M.B.A. Besides payments, he is passionate about food and photography and lives in Atlanta, GA.
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Tim Ural
Vice President, Global B2B Expansion, Visa Global Clients
Tim Ural
Vice President, Global B2B Expansion, Visa Global Clients
October 18th 2022Tim Ural leads a division of the Global Clients Team and is responsible for the commercial payments strategy to optimize business-to-business payments flows in emerging and mature markets. Tim focuses on the ability to both partner and deliver unique commercial solutions and services for market segments including mid-market, wholesale travel, fleet/fuel and payables/receivables and emerging use cases.
Tim joined Visa in 2006, serving as a program manager for the small and mid-market market segment across information management products and services. In 2009, he moved into the Visa Commercial Products team, and over the past eleven years, has worked in product development, program management and sales/consulting capacity. Prior to joining Visa, Tim held positions in product management (IBM), launching business ventures in equities trading out of New York and San Francisco (Morgan Stanley), e-commerce (B2B, C2B, B2C) and supply chain management with Oracle – Applications, and Salesforce.com.
Tim holds a Bachelor of Science degree in Mathematics and Computer Science from Eckerd College and has a Master’s in Environmental Engineering at University of Florida, followed by graduate studies at Colombia Business School and Insead – Fair Process Leadership (France).
Tim and his family live in Marin County, California with his wife and three children.
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Jim Foster
EVP, Payment Partners & FIs, Corporate Spending Innovations
Jim Foster
EVP, Payment Partners & FIs, Corporate Spending Innovations
October 18th 2022I am responsible for the business strategy, P&L and development of our partnerships with financial institutions, payment networks and processors and the profitable growth of this key CSI business vertical. In total, I have accrued over 30 years of experience in commercial payments space solutioning with financial institutions, fintech’s and global companies to optimize their business to business payments workflows through various leadership roles at Mastercard and earlier in my career at First Data.
Moderator
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Gregoire Toussaint
Director, Edgar, Dunn & Company
Gregoire Toussaint
Director, Edgar, Dunn & Company
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Grégoire Toussaint is a Director in the Paris office with over 15 years of consulting experience with EDC in business strategy for clients in Asia, Europe, North and South America. Grégoire has worked in EDC London’s, Sydney’s and Paris’ offices and developed global perspectives on payments. Within EDC, Greg leads EDC’s B2B Payments Practice and has developed specific expertise in retail and travel payments, working for all actors in the payments value chain (e.g. central banks, issuers, acquirers, payment schemes, merchants and payment providers). Outside of work, Grégoire plays the saxophone and loves baking cakes.
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Corporate case study: creating win-win for buyers and suppliers in digital payments
In this case-study panel, representatives from buyers and suppliers will talk about how they approached the transformation to digital payments. The discussion will cover how the right solutions can create a win-win for corporate buyers and suppliers on both sides of the AP and AR digital relationship.
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Nancy Butler
Director, Payment Optimization & Strategy, BMO
Nancy Butler
Director, Payment Optimization & Strategy, BMO
October 18th 2022Nancy Butler has over 30 years of experience in the commercial payments industry; including both Citigroup and BMO. Most of her career has been in leadership roles for Sales and Relationship Management with a focus on the global and large commercial card markets. For the past five years, she has been leading a team supporting BMO’s Payment Optimization initiative; focusing specifically on analyzing, strategizing and executing our client’s electronic payment initiatives for all markets in the U.S. and Canada. Outside of work, Nancy enjoys the great Colorado outdoors including golfing, hiking and traveling with her husband.
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Brenda Crowder
Assistant Treasurer, Ferguson
Brenda Crowder
Assistant Treasurer, Ferguson
October 18th 2022Brenda is Assistant Treasurer of Ferguson Enterprises (ticker FERG). Ferguson is the nation’s largest wholesale distributor of plumbing, pipe valve and fittings, HVAC, waterworks and industrial products. Brenda joined Ferguson 23 years ago. She works closely with Ferguson’s e-Comm businesses and approximate 1,600 brick and mortar locations on cash management and treasury functions, including merchant processing. Brenda is a graduate of West Virginia University. Brenda holds CPA (non-active) and CTP designations.
Moderator
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Dean M. Leavitt
CEO, Boost Payment Solutions
Dean M. Leavitt
CEO, Boost Payment Solutions
Dean Leavitt is the founder and CEO of Boost Payment Solutions, the only acquirer in the United States focused exclusively on the business-to-business electronic payments. Dean is a well-respected veteran of the electronic payments industry with nearly 25 years of experience in various leadership roles at both public and private companies. Dean has received numerous awards from his industry peers and is often asked to speak at industry events. Dean currently serves on the advisory board of Commercial Payments International, having previously served two terms on the board of directors of the Electronic Transaction Association. Dean holds a B.A. with high honors from Emory University, where he served on the college’s Alumni Board of Trustees from 2002-2008.
Lunch & Networking
Breaking for the border: new dynamics products and pricing
Estimates vary but if the $40 trillion size of annual global B2B cross border payments transactions is accurate then the scale and scope of the market is gargantuan. Populated by a myriad of providers from banks to fintechs, to pop up kiosks, moving money across borders is a prolific payments marketplace. In this session we map the market for cross border payments, track the technologies that are changing transactions and processing, from SWIFT to virtual currencies, and the pricing and product trends in B2B cross border transactions, including shaping the next iteration of the market.
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Sayantan Chakraborty
Global Head of Cross Border Payments Product, J.P. Morgan
Sayantan Chakraborty
Global Head of Cross Border Payments Product, J.P. Morgan
October 18th 2022Sayantan Chakraborty leads the FX Payments Products for the Bank. In this role, he oversees the existing products & solutions and also leads all product development & innovation initiatives globally.
Sayantan joined the firm in 2021 from U.S. Bank where he was Head of
Product Management & Solutions Engineering for their Global Treasury Management business. In this role, Sayantan led his organization in being the first of two Banks to launch Real Time Payments in the United States. Sayantan was also responsible for launching several award winning new products during his tenure.Prior to joining U.S. Bank, Sayantan spent nearly 15 years at Citibank across India and the United States in a variety of leadership roles. In his last role at Citi, he served as the North America Head of Client Implementations with
responsibility for onboarding new business across Cash Management, FX Payments Commercial Cards and Trade franchises. In previous roles, he managed the Payments business for North America including all of domestic and cross border and FX payments products.Sayantan has previously served on the board of NACHA and has held advisory roles across many industry bodies.
Sayantan holds an MBA from the Indian Institute of Management, Lucknow and did his undergraduate training in Mechanical Engineering.
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Susan Meyer
Vice President of Product Development, RTP®, The Clearing House
Susan Meyer
Vice President of Product Development, RTP®, The Clearing House
October 18th 2022Susan Meyer is VP of RTP® Product Development at TCH. She has 25+ years banking and payment system experience, ranging from banking operations to product management of payment applications.
She is currently responsible for product development of TCH RTP Network with a focus on the product direction of the RTP platform. Before joining TCH, Susan worked for FIS driving strategy and product for the US Real Time Payments under FIS’ Corporate Banking Solutions. Prior to FIS, she held a position with Fiserv with responsibility for product management of Fiserv’s Payment Outsourcing solutions. Susan also previously managed various payment operations at M&T Bank and First Niagara Bank, both located in Western New York.
Susan is graduate of Medaille College receiving an M.B.A.
Moderator
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Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Steve is the Director of Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service. He has over 12 years of experience in banking and payments research and is an expert on commercial payments, including cards and integrated payables, advising banks and fintech companies on strategy across product, marketing and IT. Before joining Mercator, Steve spent 6 years with CEB TowerGroup as a Research Director in the commercial banking practice. Steve’s specialty areas include transaction banking, payments/payables, receivables, trade services and lifecycle management across business segments and channels. Before joining CEB, Steve spent more than 20 years with Citibank in a variety of senior positions covering consumer, internet, and corporate banking. Roles in the consumer cards group spanned credit operations, fraud policy, marketing, and product development. He was a pioneering member of e-Citi. Upon joining the Citi Transaction Services division, he oversaw the commercial cards European business expansion. Later, in Hong Kong, as part of the regional transaction banking team, he built Citibank’s Asia-Pacific commercial cards startup business covering Asia Pacific. Steve then became the North America market manager for Citi commercial cards. Steve received an M.B.A. from St. John’s University and a B.S. from CUNY’s John Jay College.
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Agenda splits into two tracks for the afternoon: Track 1 - Venture Room, Track 2 - Capital Room
Exploring flexibility in pricing commercial transactions
Typically a taboo topic, the evolving matrix of pricing in commercial payments, in the US and globally, is complex and is subject to varied regional regulations. In this session the panel will consider the factors that influence change in commercial pricing dynamics, the scope for flexibility acquirer fees and interchange, and the capacity for manoeuvre in negotiating pricing in commercial card transactions with merchants. The panel will also consider market drivers for change including price competition from fintechs and alternative payment methods, as well as ongoing regulatory reviews of interchange.
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Robin Boudsocq
Global B2B Head, Citi Commercial Cards, Citi
Robin Boudsocq
Global B2B Head, Citi Commercial Cards, Citi
October 18th 2022 October 19th 2022Robin joined Citi in 2020 as part of the Global Product Management team. He is in charge of product strategy, partnership management and leads the commercialization effort for Citi’s Corporate T&E and B2B Travel solutions.
Robin has over 10 years of experience across various aspects of the Travel industry, including distribution, infrastructure and payments. Prior to joining Citi, Robin founded and led the Travel Payments division at Sabre, a leading reservation system & travel technology provider.
Robin also held various Strategy and Consulting positions, where he supported multiple Travel M&A activities, and focused on optimizing top & bottom line revenue for leading Travel Management Companies and Online Travel Aggregators.
Robin holds a Master’s in Engineering from the University of Oxford. He is located in London, UK.
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Zach Lynn
VP, Business Intelligence, Boost Payment Solutions
Zach Lynn
VP, Business Intelligence, Boost Payment Solutions
October 18th 2022Zach Lynn overseas Business Intelligence, Analytics and Sales Operations for Boost Payment Solutions. In this role he designs and distributes all internal and external business management reporting and has built tools for creating a data-driven customer sales and management experience. The Sales Operations team manages all aspects of lead analysis, distribution, and reporting.
Since 2006 Zach has worked in the Payments industry in various capacities. He began his career at First Annapolis Consulting, a management consulting firm focused on the payments industry. Zach was with Bank of America Merchant Services for seven years where he worked on the Corporate Strategy team and had roles overseeing Emerging Products, Third Party VAR Expansion, and led the organization’s international expansion into the Canadian market. Zach also worked at TransFirst, TSYS, and Global Payments in various capacities, including leading Sales Operations, Pricing, and most recently was VP of Business Intelligence & Analytics at Global Payments.
Zach has undergraduate degrees from the University of Maryland in Finance, International Business, and Logistics & Supply Chain Management and an MBA from Wake Forest University. He currently splits his time between Charlotte, NC and Miami, FL with his wife and two dogs.
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Claire Seckinger
Director, Strategy and Planning, Global Commercial Products, Mastercard
Claire Seckinger
Director, Strategy and Planning, Global Commercial Products, Mastercard
October 18th 2022Claire Seckinger leads Mastercard’s Commercial interchange solutions for the North American Market. She brings seven of payments experience at Mastercard across business development, product strategy and product development, and six years of experience in management consulting at Booz Allen Hamilton. At Booz Allen, she was responsible for strategy and organizational design engagements with Department of Defense clients.
Claire has an MBA from George Washington University and an undergraduate degree from James Madison University.
Moderator
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Gregoire Toussaint
Director, Edgar, Dunn & Company
Gregoire Toussaint
Director, Edgar, Dunn & Company
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Grégoire Toussaint is a Director in the Paris office with over 15 years of consulting experience with EDC in business strategy for clients in Asia, Europe, North and South America. Grégoire has worked in EDC London’s, Sydney’s and Paris’ offices and developed global perspectives on payments. Within EDC, Greg leads EDC’s B2B Payments Practice and has developed specific expertise in retail and travel payments, working for all actors in the payments value chain (e.g. central banks, issuers, acquirers, payment schemes, merchants and payment providers). Outside of work, Grégoire plays the saxophone and loves baking cakes.
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CBDCs, stablecoins and crypto: analysing commercial payment use cases
Crypto payments are on the rise, despite recent crypto heists and stablecoin collapses which have highlighted security vulnerabilities and volatility issues in virtual currencies. Whilst crypto divides opinion with affenciandos and detractors, regulators are now stepping in with moves to supervise markets. Biden’s executive order to review and regulate the crypto industry, together with the development of central digital currencies (CBDCs), signal a move to stabilise and secure digital dollars. In this session we ask what are the implications of crypto regulation for commercial payments and cross border transactions in B2B markets, and the use cases for CBDCs and their applications in commercial credit and lending markets, including card markets.
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Srinivas Rao Cheedella
President and Managing Director, Natsoft
Srinivas Rao Cheedella
President and Managing Director, Natsoft
October 18th 2022Srinivas (fondly known as Sri) at Natsoft Corporation, is currently the President and Managing Director. He is responsible for global sales, M&A and internal automation. Prior to Natsoft, Sri was for 7+ years Vice President (CFO) for India at ADP, a fortune 300 company with over $14 B in Revenues. ADP in India was then a 12,000 + people strong automation and captive back office. Sri was responsible for all of Finance, Tax, Procurement, Secretarial Practice, Corporate Financial Planning, and the Analytics. Sri spearheaded some key initiatives at ADP that involved automation of global compliance, hive offs and mergers. Sri is a Fellow of the Institute of Chartered Accountants of India (equivalent of CPA) and an Associate of the Institute of Cost and Management Accountants of India.
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Mark Fernandes
Head of Crypto Product, Checkout.com
Mark Fernandes
Head of Crypto Product, Checkout.com
October 18th 2022
Moderator
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Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Steve is the Director of Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service. He has over 12 years of experience in banking and payments research and is an expert on commercial payments, including cards and integrated payables, advising banks and fintech companies on strategy across product, marketing and IT. Before joining Mercator, Steve spent 6 years with CEB TowerGroup as a Research Director in the commercial banking practice. Steve’s specialty areas include transaction banking, payments/payables, receivables, trade services and lifecycle management across business segments and channels. Before joining CEB, Steve spent more than 20 years with Citibank in a variety of senior positions covering consumer, internet, and corporate banking. Roles in the consumer cards group spanned credit operations, fraud policy, marketing, and product development. He was a pioneering member of e-Citi. Upon joining the Citi Transaction Services division, he oversaw the commercial cards European business expansion. Later, in Hong Kong, as part of the regional transaction banking team, he built Citibank’s Asia-Pacific commercial cards startup business covering Asia Pacific. Steve then became the North America market manager for Citi commercial cards. Steve received an M.B.A. from St. John’s University and a B.S. from CUNY’s John Jay College.
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Perfecting platforms and products in B2B payment markets
Double digit growth in B2B spending is driving new opportunities for payment platforms in flourishing B2B e-commerce marketplaces across the spectrum of market sectors. In this session we chart the rise of B2B commerce beyond the pandemic to the top of commercial payments spending and predict future growth trends. We also ask which payment platforms and technologies will win out in the fight for global B2B payments market share as the market powers forward.
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Brooke DiNatale
VP, European Commercial Products, Mastercard
Brooke DiNatale
VP, European Commercial Products, Mastercard
October 18th 2022Brooke DiNatale leads the European Commercial Solutions team for Mastercard, focused on Corporate products and sales. She is responsible for the development, launch and scale of T&E and B2B multi-rail payment solutions in the region. Brooke is based in London and a member of the Commercial Payments International European Advisory Board.
Prior to joining Mastercard, Brooke spent 10 years at American Express in London and NYC. Most recently she led the development and management of international loyalty solutions for Corporate Products. Brooke also held roles in global business transformation and global distribution partnerships with a focus on banks and travel agencies. She was previously director of finance for a satellite media company and spent several years as an investment banker. -
Racy Morgan
Head of Value Added Services, Payments & Commerce Solutions, J.P. Morgan Payments
Racy Morgan
Head of Value Added Services, Payments & Commerce Solutions, J.P. Morgan Payments
October 18th 2022Racy Morgan is the Head of Payments Value Added Services, within Payments & Commerce Solutions. Racy joined the firm in June 2020, and previously led the Payments Operations Strategy, Innovation & Digitalization team where she played a significant role in helping the organization shape its strategic direction and priorities.
Racy has been driving vision and setting the strategy to achieve solid results for many multi-national clients over the past 19 years, and came to the firm in June 2020 from Elavon (a subsidiary of U.S. Bank) where she served as the Chief Administrative Officer (CAO) and was responsible for developing, executing and measuring the internal vision, strategy and growth for the organization. She led cross-functional organizations including change and project, business intelligence, customer experience, continuous improvement, learning and development, employee engagement and internal communications. Prior to that, Racy was Head of Payments Strategy & Execution for U.S. Bank in Atlanta, GA. There, she focused on maximizing fee growth to complement lending and interest income businesses, accelerating payments strategy, reducing costs, and creating increased advantage with partners across Financial Institutions, Associations (Visa, Master Card) and Fin Techs.
In 2017, Racy was recognized as one of the Most Influential Women in Payments by PaymentsSource.
She earned her Bachelors of Engineering from BITS INDIA and her Master’s in Business Administration from Yale.
Moderator
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Gregoire Toussaint
Director, Edgar, Dunn & Company
Gregoire Toussaint
Director, Edgar, Dunn & Company
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Grégoire Toussaint is a Director in the Paris office with over 15 years of consulting experience with EDC in business strategy for clients in Asia, Europe, North and South America. Grégoire has worked in EDC London’s, Sydney’s and Paris’ offices and developed global perspectives on payments. Within EDC, Greg leads EDC’s B2B Payments Practice and has developed specific expertise in retail and travel payments, working for all actors in the payments value chain (e.g. central banks, issuers, acquirers, payment schemes, merchants and payment providers). Outside of work, Grégoire plays the saxophone and loves baking cakes.
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Impact of real time payments in commercial payments: the million dollar question
The raising of real time transaction limits to $1m, tenfold the previous limit, is a significant step forward in instant payments and underpins confidence in the new payment system. In this session, we study the real time roll out road map and feedback from pilot programmes across the US, as well as international schemes, and ask how the new instant infrastructure will impact traditional commercial payments, including card and ACH payments. Critically we will assess the challenge and benefits of integrating real-time into the payments mix to provide holistic client solutions, and how real time data will be used to improve services.
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Elena Whisler
SVP, Relationship Management, The Clearing House
Elena Whisler
SVP, Relationship Management, The Clearing House
October 18th 2022Elena Whisler is Senior Vice President of Sales and Relationship Management at The Clearing House. Elena is currently responsible for overseeing the customer relationship, sales and marketing teams to manage and expand its client base across The Clearing House’s core payments products (RTP® network, CHIPS, ACH and check image exchange). Current priorities include growing the RTP network across the US financial system participants and evolving the customer engagement model for all TCH Products.
Prior to joining The Clearing House, she held regional and global product management positions at FIS, Clear2Pay and Fiserv as well as working at the Federal Reserve Bank within the Retail Product Office and Monetary Policy Divisions working on cross-border activities and economic policy in Latin America.
Elena has served on multiple industry councils such as the Board of Directors for BAFT (Banking Association for Finance and Trade) and the NACHA Alliance. She also currently serves on the Women in Payments Advisory Board as well as the Girls on the Run Central Ohio Board.
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Ryan McHugh
Vice President and Specialist Product Manager, BNY Mellon
Ryan McHugh
Vice President and Specialist Product Manager, BNY Mellon
October 18th 2022Ryan McHugh is a Vice President and Specialist Product Manager at BNY Mellon for Immediate Payments. In his current role, Ryan is responsible for our strategy and development of faster payment solutions such as The Clearing Houses Real-Time Payments, The Federal Reserve’s FedNow Service, and Tokenized Payments® now available with Zelle®.Prior to joining the Immediate Payments group, Ryan worked as an analyst for Global Payments in BNY Mellon’s Treasury Services department. Mr. McHugh was in charge of preparing financial reports, reviewing performance trends and providing complex financial accounting to assist management in measuring and evaluating Global Payments product performance.
Mr. McHugh has been with BNY Mellon for over fifteen years. He graduated from Indiana University of Pennsylvania with a bachelor’s degree in Economics. -
Erik VanBramer
SVP National Sales, Federal Reserve Bank
Erik VanBramer
SVP National Sales, Federal Reserve Bank
October 18th 2022Erik VanBramer was named senior vice president and national sales director for the Federal Reserve Bank of Chicago’s Customer Relations and Support Office (CRSO) effective April 2018. VanBramer has served as the national sales director since 2017 and was previously vice president and director of the Federal Reserve Bank’s national account program. In his current role, he is responsible for setting and implementing the strategy for managing the relationships and financial services offerings for financial institutions across the Federal Reserve System.
VanBramer joined the Federal Reserve Bank of Kansas City in 1998 and transitioned to the Federal Reserve Bank of Chicago in 2005. His tenure with the Federal Reserve has encompassed multiple areas of management responsibility to include operations, internal support functions, as well as business development. VanBramer was promoted to assistant vice president and national account executive in 2010. He was promoted to vice president in 2014 with responsibility for leading the group which managed the relationships for the large and complex financial institutions.
VanBramer holds a bachelor’s degree from The Colorado College and has done additional graduate studies at The Lake Forest Graduate School of Business, The Booth School of Business, and obtained his certificate from the Graduate School of Banking at The University of Colorado. He serves on several boards throughout the Denver metro area with particular interest in injury prevention and underserved children and communities.
Moderator
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Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Steve is the Director of Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service. He has over 12 years of experience in banking and payments research and is an expert on commercial payments, including cards and integrated payables, advising banks and fintech companies on strategy across product, marketing and IT. Before joining Mercator, Steve spent 6 years with CEB TowerGroup as a Research Director in the commercial banking practice. Steve’s specialty areas include transaction banking, payments/payables, receivables, trade services and lifecycle management across business segments and channels. Before joining CEB, Steve spent more than 20 years with Citibank in a variety of senior positions covering consumer, internet, and corporate banking. Roles in the consumer cards group spanned credit operations, fraud policy, marketing, and product development. He was a pioneering member of e-Citi. Upon joining the Citi Transaction Services division, he oversaw the commercial cards European business expansion. Later, in Hong Kong, as part of the regional transaction banking team, he built Citibank’s Asia-Pacific commercial cards startup business covering Asia Pacific. Steve then became the North America market manager for Citi commercial cards. Steve received an M.B.A. from St. John’s University and a B.S. from CUNY’s John Jay College.
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ESG reporting for commercial payment providers
Banks and payment ecosystem partners are increasingly adopting ESG principles and practices. Whilst companies in the US currently have no mandatory requirement to report on ESG metrics, investors and clients are increasingly demanding ESG reporting in annual reports. The SEC is proposing mandatory climate disclosures, whilst in the EU ESG reporting is currently being legislated for. The panel will evaluate what can be done internally and externally in the commercial payments sector to deliver on ESG metrics, as well as embed sustainability, social responsibility and good governance policies and practises in business operations and products.
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Denika Torres
Global Head of Business & Market Management, Citi Global Commercial Cards
Denika Torres
Global Head of Business & Market Management, Citi Global Commercial Cards
October 18th 2022Denika Torres is a Director within Citi’s Treasury and Trade Solutions at Citi based in New York. Denika leads strategy development, business management and market positioning for clients across the corporate, financial institution and public sector verticals as Global Head of Business & Market Management for the Global Commercial Cards division. In this capacity, she is also the ESG (Environmental, Social, and Governance) Lead for Global Commercial Cards and oversees the sustainability agenda and partnership strategy for both T&E and B2B segments. Denika is a member of the Treasury and Trade Solutions ESG Steering Committee.
Denika has held strategy and product management roles within Citi’s Treasury and Trade Solutions (TTS), Securities and Fund Services (SFS), and Private Equity Groups where she has led key business transformation initiatives, deal solutioning for across multiple verticals in the payments industry in the non-profit & corporate sectors, and successfully launched initiatives to enable Citi to secure flows from emerging segments and verticals.
Prior to joining Citi in 2011, Denika supported investment climate, innovation, and private sector competitiveness in Latin America and the Caribbean region at The World Bank Group. Denika holds an MIA from Columbia University in International Finance and an MPP in Economic Policy from the National University of Singapore. She serves as a Board Member for the Gantry Group and lives in Connecticut.
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Rosemary Maloney
Manager, Global Travel & Expense, Alteryx
Rosemary Maloney
Manager, Global Travel & Expense, Alteryx
October 18th 2022Rosemary Maloney is currently the Manager, Global Travel and Expense for Alteryx, Inc. Prior to Alteryx, she has worked at MSG, Sprinklr, Tapestry (Coach, Kate Spade and Stuart Weitzman Brands), Egencia, IAC and the United Nations. Rosemary has built her career through holistic travel program management – using data to optimize vendors and policy, develop and maintain vendor relationships, and partnering with internal organizations to ensure compliance and engagement with programs. Rosemary has a MBA from Fordham University and studied Communication and Business as an undergraduate at Ithaca College. Rosemary serves as the president of the New York City Business Travel Association and was elected to a 2 year term as president of the Chapter President’s Council of GBTA in 2021. She has been an active participant in the Ladders Mentorship Program and serves on their advisory board.
Moderator
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Patrick Diemer
Chair, Senior Adviser, Arthur D. Little
Patrick Diemer
Chair, Senior Adviser, Arthur D. Little
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Patrick is Senior Advisor at Arthur Dr. Little managing consulting firm. He also active as business angel, board member and investor in travel & payment start-ups. Patrick was CEO at Lufthansa AirPlus where he headed their Global expansion strategy and developed AirPlus into one of the leading commercial card issuers. Earlier he led Visa Germany, and was SVP consumer marketing at Commerzbank. In his career he worked in the USA, UK and Germany, several times in start/scale-ups. He holds a Master of Economics degree of Hamburg University. 2017 Patrick was named one of the ‘25 most influential’ by Business Travel News. Currently Patrick volunteers for VDR, the German Business Travel Association. He leads their task force ‘restart business travel’.
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Networking break
Digitisation: Reducing checks in the payments ecosystem
Sixty-five percent of small- and mid-size businesses in the U.S. still use paper checks to manage their day-to-day payments. In a world where real-time payments are becoming the gold standard, many business owners stand to benefit from a more efficient way to manage their accounts. Check digitization, which enables business owners to make payments faster, more efficiently and more securely than ever before, is one such method. In this session we look at the development of a holistic digitisation approach, which starts with checks, and ends with a seamless integrated electronification process that reduces cost and labour for corporate end users. Beyond the mechanics, we examine the challenges businesses face as they transition from paper checks and what is required to enable the digitisation journey.
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Cindy O’Neill
President & GM, Biller Solutions, BillGO
Cindy O’Neill
President & GM, Biller Solutions, BillGO
October 18th 2022As President/GM of BillGO’s Biller Solutions Division, Cindy O’Neill has responsibility for the development and growth of the BillGO Exchange, which provides billers/suppliers access to the BillGO payments network, removing the friction associated with payment acceptance. Prior to joining BillGO, Ms O’Neill was the President of Priority Commercial Payments, responsible for architecting and delivering the Commercial Payments Exchange (CPX)® integrated payables platform and leading the Managed Services business. Ms. O’Neill spent 17 years in treasury management banking, holding leadership positions at Wells Fargo and Bank of America. Capitalizing on her deep understanding of the challenges large financial intuitions struggled with serving their global treasury clients, VISA appointed her as its Head of Global Product Management and Region Head of U.S. Commercial business. After 5 years at VISA, Ms. O’Neill transitioned to become EVP and General Manager at Electronic Funds Source leading the growth of its Commercial Payments business through its 2016 sale to Wright Express.
Ms. O’Neill has a Bachelors of Science degree from the University of Southern California and an Executive Certification from the Columbia Business School. -
Michael Reed
Division President, Payments, Deluxe
Michael Reed
Division President, Payments, Deluxe
October 18th 2022Michael Reed joined Deluxe Corporation in November 2019 as Division President, Payments and a member of the Executive Leadership team.
With more than 20 years of global experience leading customer-centric and scaled payments solutions, Michael comes to Deluxe from Barclays in London, where he served as managing director, global payment acceptance & product. While there, he managed payment acceptance and led digital transformation and international expansion initiatives designed to transform the customer experience and expand capabilities into new markets. Prior to joining Barclays, Michael spent eight years at Bank of America Merchant Services, most recently as managing director of its European division, where he was responsible for establishing cross-border solutions for clients.
Michael holds a degree in Business Administration from the University of New Orleans and also spent time in the Unites States Air Force as a Medical Service Specialist.
The role of diversity and inclusion in building talent in teams
D&I
In a recent survey of FI CEOs, 85 percent polled agreed that promoting diversity and inclusion improves business performance. Promoting an inclusive culture where all can contribute allows diversity to flourish, banishes groupthink and reduces the echochamber. It also encourages innovation and improves products for diverse markets. D&I, in parallel with ESG initiatives, has in recent years risen to the top of the strategic agenda not just in HR, but in the CEOs office and across business. In this session, the panel will focus on the benefits of hiring diversity to promote inclusion, creativity and innovation in teams, consider strategies to attract and and build more diversity of talent in commercial teams and look at best practices in supporting the needs of a diverse team and encouraging their growth and success.
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Nicole Tackett
Head of CPTS Strategy and Commercial Card Solutions, DEI Champion, U.S. Bank
Nicole Tackett
Head of CPTS Strategy and Commercial Card Solutions, DEI Champion, U.S. Bank
October 18th 2022As the Head of Product and Strategy, Nicole creates and executes integrated Business to Business payment strategies through both organic and in-organic growth opportunities. She also manages a diverse product portfolio that supports both Middle and Large Market customers which is complemented with the ideation and commercialization of new solutions. In addition, Nicole leads teams that focus on Lead Generation and Revenue Optimization strategies to deepen relationships with customers.
Prior to joining U.S. Bank, Nicole managed Global Product and Marketing at WEX Inc. leading the globalization of its commercial card product, building international brand awareness, creating lead generation strategies to sustain growth, and developing retention strategies for existing customers.
Nicole also worked at First Annapolis Consulting assisting with the management of client engagements which include strategy development for major card associations, merchant services providers, and banks; support on payments-oriented M&A transactions; and analysis on payments trends for industry-leading companies in Europe, India, Mexico, Canada, and the U.S.
Nicole earned a BBA from the University of Georgia and a MBA from the University of Maryland.
Moderator
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Tanvi Patel
Payments Director, PwC US
Tanvi Patel
Payments Director, PwC US
Tanvi is a Director in PwC’s Financial Services Banking Advisory Services practice in New York. She has over 13 years of consulting and industry experience in financial services. Key experience areas include business analysis, lean/cost benefit analysis, gap analysis, stakeholder analysis, workflow utilization, business process modeling, project management, scope management, communication management, process optimization and system development life cycle. Tanvi has worked on number of payments, commercial and retail banking engagements steering payment strategy, current state assessment, risk and controls assessments, product analysis, vendor selection and implementation support, target operating model design, and future state recommendations. Tanvi has a BS in Information Technology from Mumbai University (Mumbai, India), and Masters in Management Information Systems from Stevens Institute of Technology with finance major.
Reception and networking
Networking Breakfast
Welcome address
The rise and rise of virtual cards and their applications in commercial payments
VIRTUAL CARDS
Technology continues to transform cards from physical to virtual and with global virtual card transactions currently $320bn rising to projected $550bn by 2024 according to recent research, the market is receiving intense focus. In this product focussed session we examine the diversification of virtual products and use cases in B2B transactions across different verticals. We also assess the process of capturing virtual card use transaction data to understand spend/use trends in specific markets, and look at how virtual payment technologies will continue to evolve.
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Andrew Jamison
CEO & Co-Founder, Extend
Andrew Jamison
CEO & Co-Founder, Extend
October 19th 2022Andrew is the CEO and Co-Founder of Extend. Prior to starting Extend, Andrew was the head of B2B Corporate Payments Products at American Express with a mandate to drive digital payment innovation and adoption. Over the course of six years, he doubled B2B payment volumes by launching and scaling new capabilities and platforms. Prior to American Express, Andrew spent eight years managing global SAP deployments for large multinational corporations.
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Robin Boudsocq
Global B2B Head, Citi Commercial Cards, Citi
Robin Boudsocq
Global B2B Head, Citi Commercial Cards, Citi
October 18th 2022 October 19th 2022Robin joined Citi in 2020 as part of the Global Product Management team. He is in charge of product strategy, partnership management and leads the commercialization effort for Citi’s Corporate T&E and B2B Travel solutions.
Robin has over 10 years of experience across various aspects of the Travel industry, including distribution, infrastructure and payments. Prior to joining Citi, Robin founded and led the Travel Payments division at Sabre, a leading reservation system & travel technology provider.
Robin also held various Strategy and Consulting positions, where he supported multiple Travel M&A activities, and focused on optimizing top & bottom line revenue for leading Travel Management Companies and Online Travel Aggregators.
Robin holds a Master’s in Engineering from the University of Oxford. He is located in London, UK.
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David Trecker
SVP, B2B Payments, Mastercard
David Trecker
SVP, B2B Payments, Mastercard
October 19th 2022David Trecker is Senior Vice President of Business to Business (B2B) Payments at Mastercard. Responsibilities include leading In Control, Mastercard’s virtual card platform, and Track Business Payment Service, Mastercard’s multi-rail open-loop network to simplify and automate B2B payments. Prior to joining Mastercard, David held diverse leadership positions in Transaction Banking over 15 years. Most recently he was Supply Chain Finance Head at Bank of America; Before that, Global Venture Capital Lead for Citi Treasury & Trade Solutions. David is a member of the Commercial Payments International Global Advisory Board and an active contributor to the Global Supply Chain Finance Forum, a collaboration of leading industry associations to develop, publish and champion a set of commonly agreed market standards. David holds a Bachelor of Science in finance and legal studies from Indiana University and a Masters of Business Administration from The Wharton School of the University of Pennsylvania. He is based out of Mastercard’s world headquarters in Purchase, New York.
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Todd King
Vice President B2B Solutions , TSYS, a Global Payments Company
Todd King
Vice President B2B Solutions , TSYS, a Global Payments Company
October 19th 2022As Vice President of B2B Solutions, Todd is responsible for developing the strategic vision and roadmap for product offerings across TSYS’ B2B segment.
A veteran of TSYS, Todd has also served as director of professional services, and as managing director of the company’s iSolutions line of business. Prior to joining TSYS, he spent 8 years with AOC Solutions as Chief Product Officer.
Todd holds a Bachelors of Business Administration from Columbus State University, a Masters of Science in Information Technology from Columbus State University and a Masters of Business Administration from Auburn University.
Moderator
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Gregoire Toussaint
Director, Edgar, Dunn & Company
Gregoire Toussaint
Director, Edgar, Dunn & Company
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Grégoire Toussaint is a Director in the Paris office with over 15 years of consulting experience with EDC in business strategy for clients in Asia, Europe, North and South America. Grégoire has worked in EDC London’s, Sydney’s and Paris’ offices and developed global perspectives on payments. Within EDC, Greg leads EDC’s B2B Payments Practice and has developed specific expertise in retail and travel payments, working for all actors in the payments value chain (e.g. central banks, issuers, acquirers, payment schemes, merchants and payment providers). Outside of work, Grégoire plays the saxophone and loves baking cakes.
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Next gen integrated spend controls
In the intensely competitive $7bn expense management software market, next generation products are vying for ascendency in the user rankings for both large enterprises and SMEs. Enhanced functionalities including full ERP and AP/AR integration, as well as real time reporting, APIs and improved digital and mobile experiences for employees, can make the difference in the race to excellence. In this session we discuss the development of the market in the post pandemic environment, with demands in both travel and B2B verticals, as well as other fast rising sectors, and ask what corporate clients really want next.
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Sergio Ortega
Head of Pivot Commercial Cards, BBVA
Sergio Ortega
Head of Pivot Commercial Cards, BBVA
October 19th 2022Sergio Ortega is responsible for Pivot Commercial Cards solution development enabling local, regional and global enterprises to homogeneously manage the expenses made with commercial cards in BBVA footprint (Europe & LAC). Sergio has more than 15 years of experience in Payments Systems, first in BBVA Spain (consumer issuing, acquiring and innovation) and since 2012 in global positions focused on commercial cards. He is leading Pivot Commercial Card solution business line development from scratch following design thinking & agile methodologies, coordinating cross-functional local, global, business & IT teams. Sergio has a Master Degree in Computer Science from Deusto University (Spain) and Aalborg University (Denmark). He also has an Executive MBA from Esade Business School (Spain).
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Joanne Modugno
VP FI Partnerships, Emburse
Joanne Modugno
VP FI Partnerships, Emburse
October 19th 2022Joanne Modugno is a leader in payments, financial services, and the Fintech industry. She has led teams, executed payment strategies, and created value-driven services in consumer, business, and commercial markets. She is passionate and curious about bringing people together to help solve problems. She has a proven track record in selling Saas products, commercial card programs, and developing strong partnerships. Joanne has held leadership roles with CIBC, Interac, Fraedom, and Visa. She is currently responsible for Financial Institutions partnerships at Emburse.
She is a strong advocate for women in sales, women in tech, and women in payments. She volunteers with Lean in Canada, and Access Employment, connecting and mentoring new immigrants navigate their job search and build a professional network.
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Alexander Olsen
Direct Global T&E Product Management, Citi
Alexander Olsen
Direct Global T&E Product Management, Citi
October 19th 2022I have spent over 15 years between the travel and financial services industries in roles focusing on corporate strategy & planning, sales and partnership development. I received by bachelors degree from Wake Forest in 2005 and my MBA from Vanderbilt in 2009. My experiences including roles with US Airways, American Express/American Express GBT, Radius Travel and now with Citi. At Citi I oversee the Global T&E Product Management for Commercial Cards.
Moderator
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Zachary Aron
US Banking & Capital Markets Payments Leader, Deloitte Consulting
Zachary Aron
US Banking & Capital Markets Payments Leader, Deloitte Consulting
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Mr. Aron is Deloitte’s Global and U.S. Payments Leader He has over 27 years of experience, specializing in providing business strategy, operations and technology solutions to payments clients. His focus areas include corporate payments, credit and debit cards, alternative payments, online lending, payment networks and treasury management with expertise in the development and rollout of new business lines, products, services and associated operating models both in the U.S. and Internationally. Mr. Aron has partnered with financial institutions, merchants, networks and FinTech payments providers to develop new payments-related product and service strategies using emerging technologies or new acquisitions. Mr. Aron has been a guest speaker at numerous industry conferences and client board and advisory meetings in subjects around the world. Mr. Aron has a B.A. in Political Science from the University of California, Los Angeles.
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Business Travel: Gearing for growth
Commercial card leaders ask ‘are we still solving the acceptance side for B2B payments or are the solutions out there already?’. For some, the process of merchant acquiring and acceptance still represents a challenge in a competitive payments marketplace. In this session we examine strategies in creating stickiness in commercial card products, to attract and retain merchants in markets, and look at best practices and solutions in optimising the supplier onboarding process and experience. In a price sensitive market, what are the incentives for merchants today?
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Jami Stapelmann
Executive Director Global Travel and Meeting Services, Estee Lauder Companies
Jami Stapelmann
Executive Director Global Travel and Meeting Services, Estee Lauder Companies
October 19th 2022Jami Stapelmann brings knowledge and experience in strategic planning, project management and innovation concentrated in the travel/hospitality sector. Ms. Stapelmann has held various management and leadership positions throughout her career. Her current role at Estee Lauder Companies, is Executive Director Global Travel and Meeting Services.
BTN named Jami Stapelmann as a 2022 Best Practitioner for her partnership strategies that connect companies to Estee Lauder Companies beyond their shared travel goals. She was recently named one of the Top 25 Influencers in the Meetings Industry by Successful Meetings and was selected as one of the Top 25 Women in the Meetings Industry by Meetings and Conventions Magazine, October, 2017.
Jami holds a B.S. from the University of Wisconsin and GLP designation from the Wharton School. -
Lydie Charpin
Vice President, Corporate Travel & Spend Management Products, Mastercard
Lydie Charpin
Vice President, Corporate Travel & Spend Management Products, Mastercard
October 19th 2022Lydie Charpin recently joined Mastercard as VP – Corporate Travel and Spend Management to expand T&E commercial card solutions for large enterprise. She is responsible for the overall T&E portfolio strategy and product management working closely with T&E partners. She is striving for innovation to reshape the future of corporate travel and expense management. Lydie brings to this position +15 years of experience in the travel industry, more specifically in business travel.
Prior to joining Mastercard, Lydie was VP- Cytric Solutions at Amadeus providing large enterprise corporations with an end-to-end T&E platform including travel booking, expense management, payment, mobile, duty of care, analytics. Lydie was responsible for the overall portfolio strategy, product management, presales & strategic bid, UX and marketing of the T&E platform with teams based in 15 countries.
Previously, Lydie was the Head of Payment Product Management, an emerging business line at Amadeus serving corporations and business travel agencies, as well online travel agencies and airlines / hotels / railways customers for their payment needs.
Lydie graduated from first-class French engineering school “Ecole Centrale Paris”. She is married, has four children, and is based in Sophia-Antipolis in France.
Moderator
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Patrick Diemer
Chair, Senior Adviser, Arthur D. Little
Patrick Diemer
Chair, Senior Adviser, Arthur D. Little
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Patrick is Senior Advisor at Arthur Dr. Little managing consulting firm. He also active as business angel, board member and investor in travel & payment start-ups. Patrick was CEO at Lufthansa AirPlus where he headed their Global expansion strategy and developed AirPlus into one of the leading commercial card issuers. Earlier he led Visa Germany, and was SVP consumer marketing at Commerzbank. In his career he worked in the USA, UK and Germany, several times in start/scale-ups. He holds a Master of Economics degree of Hamburg University. 2017 Patrick was named one of the ‘25 most influential’ by Business Travel News. Currently Patrick volunteers for VDR, the German Business Travel Association. He leads their task force ‘restart business travel’.
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Networking break - sponsored by Dataflexnet
Roundtable breakouts
- Expense management
Stefanie Nelsen, Partnerships Director, Emburse (moderator) - T&E revival and recovery
Patrick W. Diemer, Chair BT4 Europe and Senior Advisor, Arthur D. Little (moderator) - Open finance, embedded payments & payments as-a-service
Sanjib.Banerjee, Director – Payments Advisory, PWC (moderator) - Virtual cards and vertical applications
David Blaha, CRO, Extend (moderator) - Cryptocurrencies, stablecoins and CBDCs in payments
Zachary Aron, Principal Financial Services, Deloitte Consulting (moderator) - Real time payments
Steve Murphy, Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory (moderator) - AP/AR automation and STP
Frank Martien, Managing Partner and Founder, Winward Strategy (moderator) - Fintech partnerships
Grégoire Toussaint, Director, Edgar, Dunn & Company
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Stefanie Nelsen
Partnerships Director
Stefanie Nelsen
Partnerships Director
October 19th 2022-
11:30amRoundtable breakouts
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Patrick Diemer
Chair, Senior Adviser, Arthur D. Little
Patrick Diemer
Chair, Senior Adviser, Arthur D. Little
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Patrick is Senior Advisor at Arthur Dr. Little managing consulting firm. He also active as business angel, board member and investor in travel & payment start-ups. Patrick was CEO at Lufthansa AirPlus where he headed their Global expansion strategy and developed AirPlus into one of the leading commercial card issuers. Earlier he led Visa Germany, and was SVP consumer marketing at Commerzbank. In his career he worked in the USA, UK and Germany, several times in start/scale-ups. He holds a Master of Economics degree of Hamburg University. 2017 Patrick was named one of the ‘25 most influential’ by Business Travel News. Currently Patrick volunteers for VDR, the German Business Travel Association. He leads their task force ‘restart business travel’.
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Sanjib Banerjee
Director - Payments Advisory, PWC
Sanjib Banerjee
Director - Payments Advisory, PWC
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Leader in PwC’s payments advisory practice focusing on driving innovation and new capability offerings with intense focus on accelerating business growth, building strong team cultures, and improving customer experience. Current focus includes, Banks, Financial services and retail payments having worked with organizations across the payments value chain, including retail banks, group service providers and other payment providers/issuers, acquirers, payment networks, payment processors and retailers across various industry verticals. Serving as a thought leader in customer insights and competitive trends in payments and market positioning.
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Zachary Aron
US Banking & Capital Markets Payments Leader, Deloitte Consulting
Zachary Aron
US Banking & Capital Markets Payments Leader, Deloitte Consulting
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Mr. Aron is Deloitte’s Global and U.S. Payments Leader He has over 27 years of experience, specializing in providing business strategy, operations and technology solutions to payments clients. His focus areas include corporate payments, credit and debit cards, alternative payments, online lending, payment networks and treasury management with expertise in the development and rollout of new business lines, products, services and associated operating models both in the U.S. and Internationally. Mr. Aron has partnered with financial institutions, merchants, networks and FinTech payments providers to develop new payments-related product and service strategies using emerging technologies or new acquisitions. Mr. Aron has been a guest speaker at numerous industry conferences and client board and advisory meetings in subjects around the world. Mr. Aron has a B.A. in Political Science from the University of California, Los Angeles.
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Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Steve is the Director of Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service. He has over 12 years of experience in banking and payments research and is an expert on commercial payments, including cards and integrated payables, advising banks and fintech companies on strategy across product, marketing and IT. Before joining Mercator, Steve spent 6 years with CEB TowerGroup as a Research Director in the commercial banking practice. Steve’s specialty areas include transaction banking, payments/payables, receivables, trade services and lifecycle management across business segments and channels. Before joining CEB, Steve spent more than 20 years with Citibank in a variety of senior positions covering consumer, internet, and corporate banking. Roles in the consumer cards group spanned credit operations, fraud policy, marketing, and product development. He was a pioneering member of e-Citi. Upon joining the Citi Transaction Services division, he oversaw the commercial cards European business expansion. Later, in Hong Kong, as part of the regional transaction banking team, he built Citibank’s Asia-Pacific commercial cards startup business covering Asia Pacific. Steve then became the North America market manager for Citi commercial cards. Steve received an M.B.A. from St. John’s University and a B.S. from CUNY’s John Jay College.
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Frank Martien
Managing Partner, Windward Strategy, Inc.
Frank Martien
Managing Partner, Windward Strategy, Inc.
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Frank Martien founded Windward Strategy, Inc. in October 2020 to provide strategy consulting for B2B payments. Post-MBA, Frank joined First Annapolis Consulting (“FA”) in 1996 where he focused on card strategy, launch, and optimization for networks, financial institutions, technology companies, and private equity firms in the U.S., Canada, and numerous other country markets. He was named an FA equity Partner in 2006. Following FA’s acquisition by Accenture in March 2017, Frank continued as a Managing Director through October 2020 with a focus on commercial, business, and consumer payments. He has served on the global advisory board of Commercial Payments International for many years.
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David Blaha
CRO, Extend
David Blaha
CRO, Extend
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
David Blaha is a 30-year payments executive and the Chief Revenue Officer at Extend. Prior to Extend, David worked with Fin-techs and start-ups, Advising on funding and launch. Before this, he was VP \ General Manager, American Express. At Amex, he worked across consumer and corporate businesses, leading executive level sales, operations, and account teams. David’s history of driving exceptional growth and creating highly engaged teams earned him election into the American Express Hall of Fame in 2015.
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Gregoire Toussaint
Director, Edgar, Dunn & Company
Gregoire Toussaint
Director, Edgar, Dunn & Company
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Grégoire Toussaint is a Director in the Paris office with over 15 years of consulting experience with EDC in business strategy for clients in Asia, Europe, North and South America. Grégoire has worked in EDC London’s, Sydney’s and Paris’ offices and developed global perspectives on payments. Within EDC, Greg leads EDC’s B2B Payments Practice and has developed specific expertise in retail and travel payments, working for all actors in the payments value chain (e.g. central banks, issuers, acquirers, payment schemes, merchants and payment providers). Outside of work, Grégoire plays the saxophone and loves baking cakes.
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Roundtable breakout - groups rotate
- Expense management
Mike Zuver, Platform Partnerships Director, Emburse (moderator) - T&E revival and recovery
Patrick W. Diemer, Chair BT4 Europe and Senior Advisor, Arthur D. Little (moderator) - Open finance, embedded payments & payments as-a-service
Sanjib.Banerjee, Director – Payments Advisory, PWC (moderator) - Virtual cards and vertical applications
David Blaha, CRO, Extend (moderator) - Cryptocurrencies, stablecoins and CBDCs in payments
Zachary Aron, Principal Financial Services, Deloitte Consulting (moderator) - Real time payments
Steve Murphy, Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory (moderator) - AP/AR automation and STP
Frank Martien, Managing Partner and Founder, Winward Strategy (moderator) - Fintech partnerships
Grégoire Toussaint, Director, Edgar, Dunn & Company
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Mike Zuver
FI Partnerships Director, Emburse
Mike Zuver
FI Partnerships Director, Emburse
October 19th 2022Mike Zuver has over 12 years of experience in travel and expense management, AP automation, and payment optimization. He has worked with clients in variety of industries, including: health care, professional services, technology, and government contractors to help them automate process, optimize programs, and meet regulatory requirements for spend management. For the last five years, Mike has worked with fintech and financial institution partners to help connect systems, and accelerate innovation in the area of payments and spend optimization. Mike Zuver lives in Snoqualmie, Washington, with his wife and two sons.
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Patrick Diemer
Chair, Senior Adviser, Arthur D. Little
Patrick Diemer
Chair, Senior Adviser, Arthur D. Little
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Patrick is Senior Advisor at Arthur Dr. Little managing consulting firm. He also active as business angel, board member and investor in travel & payment start-ups. Patrick was CEO at Lufthansa AirPlus where he headed their Global expansion strategy and developed AirPlus into one of the leading commercial card issuers. Earlier he led Visa Germany, and was SVP consumer marketing at Commerzbank. In his career he worked in the USA, UK and Germany, several times in start/scale-ups. He holds a Master of Economics degree of Hamburg University. 2017 Patrick was named one of the ‘25 most influential’ by Business Travel News. Currently Patrick volunteers for VDR, the German Business Travel Association. He leads their task force ‘restart business travel’.
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Sanjib Banerjee
Director - Payments Advisory, PWC
Sanjib Banerjee
Director - Payments Advisory, PWC
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Leader in PwC’s payments advisory practice focusing on driving innovation and new capability offerings with intense focus on accelerating business growth, building strong team cultures, and improving customer experience. Current focus includes, Banks, Financial services and retail payments having worked with organizations across the payments value chain, including retail banks, group service providers and other payment providers/issuers, acquirers, payment networks, payment processors and retailers across various industry verticals. Serving as a thought leader in customer insights and competitive trends in payments and market positioning.
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Zachary Aron
US Banking & Capital Markets Payments Leader, Deloitte Consulting
Zachary Aron
US Banking & Capital Markets Payments Leader, Deloitte Consulting
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Mr. Aron is Deloitte’s Global and U.S. Payments Leader He has over 27 years of experience, specializing in providing business strategy, operations and technology solutions to payments clients. His focus areas include corporate payments, credit and debit cards, alternative payments, online lending, payment networks and treasury management with expertise in the development and rollout of new business lines, products, services and associated operating models both in the U.S. and Internationally. Mr. Aron has partnered with financial institutions, merchants, networks and FinTech payments providers to develop new payments-related product and service strategies using emerging technologies or new acquisitions. Mr. Aron has been a guest speaker at numerous industry conferences and client board and advisory meetings in subjects around the world. Mr. Aron has a B.A. in Political Science from the University of California, Los Angeles.
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Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Steve is the Director of Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service. He has over 12 years of experience in banking and payments research and is an expert on commercial payments, including cards and integrated payables, advising banks and fintech companies on strategy across product, marketing and IT. Before joining Mercator, Steve spent 6 years with CEB TowerGroup as a Research Director in the commercial banking practice. Steve’s specialty areas include transaction banking, payments/payables, receivables, trade services and lifecycle management across business segments and channels. Before joining CEB, Steve spent more than 20 years with Citibank in a variety of senior positions covering consumer, internet, and corporate banking. Roles in the consumer cards group spanned credit operations, fraud policy, marketing, and product development. He was a pioneering member of e-Citi. Upon joining the Citi Transaction Services division, he oversaw the commercial cards European business expansion. Later, in Hong Kong, as part of the regional transaction banking team, he built Citibank’s Asia-Pacific commercial cards startup business covering Asia Pacific. Steve then became the North America market manager for Citi commercial cards. Steve received an M.B.A. from St. John’s University and a B.S. from CUNY’s John Jay College.
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Frank Martien
Managing Partner, Windward Strategy, Inc.
Frank Martien
Managing Partner, Windward Strategy, Inc.
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Frank Martien founded Windward Strategy, Inc. in October 2020 to provide strategy consulting for B2B payments. Post-MBA, Frank joined First Annapolis Consulting (“FA”) in 1996 where he focused on card strategy, launch, and optimization for networks, financial institutions, technology companies, and private equity firms in the U.S., Canada, and numerous other country markets. He was named an FA equity Partner in 2006. Following FA’s acquisition by Accenture in March 2017, Frank continued as a Managing Director through October 2020 with a focus on commercial, business, and consumer payments. He has served on the global advisory board of Commercial Payments International for many years.
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David Blaha
CRO, Extend
David Blaha
CRO, Extend
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
David Blaha is a 30-year payments executive and the Chief Revenue Officer at Extend. Prior to Extend, David worked with Fin-techs and start-ups, Advising on funding and launch. Before this, he was VP \ General Manager, American Express. At Amex, he worked across consumer and corporate businesses, leading executive level sales, operations, and account teams. David’s history of driving exceptional growth and creating highly engaged teams earned him election into the American Express Hall of Fame in 2015.
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Gregoire Toussaint
Director, Edgar, Dunn & Company
Gregoire Toussaint
Director, Edgar, Dunn & Company
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Grégoire Toussaint is a Director in the Paris office with over 15 years of consulting experience with EDC in business strategy for clients in Asia, Europe, North and South America. Grégoire has worked in EDC London’s, Sydney’s and Paris’ offices and developed global perspectives on payments. Within EDC, Greg leads EDC’s B2B Payments Practice and has developed specific expertise in retail and travel payments, working for all actors in the payments value chain (e.g. central banks, issuers, acquirers, payment schemes, merchants and payment providers). Outside of work, Grégoire plays the saxophone and loves baking cakes.
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Lunch and networking
Evolution of and growth of embedded payments in B2B markets
Embedded payments are experiencing exponential growth and are predicted to reach $3.5trn in volumes by 2026. In this session we track the development of embedded payments and their impacts in B2B payment markets. We also take a look under the hood at embedded payments and the seamless integration of payment functionality within B2B applications, enabled by APIs, analyse the aggregation and use of payment data, and discuss the market implications of embedded payments for commercial card issuers going forward.
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Eric Spencer
Director, Commercial Card, Treasury & Trade Solutions, Citi
Eric Spencer
Director, Commercial Card, Treasury & Trade Solutions, Citi
October 19th 2022Eric has a long history in the payments industry, serving in both Business Development and Product Management roles across Bank of America, JP Morgan, AirPlus, American Express and Citibank. His current focus is on leading efforts to provide card -based payment applications across ecommerce and embedded finance verticals. Eric holds a bachelor’s degree from St. Mary’s College of California and an MBA from Thunderbird School of Global Management. He’s a dual citizen of both the U.S. and the U.K. and worked extensively in both the North America and EMEA regions.
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Angela Thresher
Senior Vice President - Head of Commercialization and Product Development, U.S. Bank
Angela Thresher
Senior Vice President - Head of Commercialization and Product Development, U.S. Bank
October 19th 2022
Moderator
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Frank Martien
Managing Partner, Windward Strategy, Inc.
Frank Martien
Managing Partner, Windward Strategy, Inc.
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Frank Martien founded Windward Strategy, Inc. in October 2020 to provide strategy consulting for B2B payments. Post-MBA, Frank joined First Annapolis Consulting (“FA”) in 1996 where he focused on card strategy, launch, and optimization for networks, financial institutions, technology companies, and private equity firms in the U.S., Canada, and numerous other country markets. He was named an FA equity Partner in 2006. Following FA’s acquisition by Accenture in March 2017, Frank continued as a Managing Director through October 2020 with a focus on commercial, business, and consumer payments. He has served on the global advisory board of Commercial Payments International for many years.
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Optimising working capital management solutions for SMBs
Working capital solutions, designed to help businesses with short term liquidity, is a core growth area for commercial card products. In this lively session we identify the market need and demand for working capital solutions in the new economic environment and evaluate the spectrum of working capital payments solutions to optimise DPO/DSO for SMBs and how cards fit in the market. We also apply a technical lens to Understand how new tech, including AI, can help predict working capital flows and optimise liquidity for businesses.
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Christopher Johnson
SVP and President, Financial Services, Pitney Bowes
Christopher Johnson
SVP and President, Financial Services, Pitney Bowes
October 19th 2022As the leader of Financial Services, Chris has accountability for all aspects of the business including strategy, growth and operations. This includes strategic analysis in global markets, assessing current capabilities against future opportunities, determining priorities for investment, organizational development and business culture. In this role he is also responsible for payments and shipping finance for the enterprise.
Chris has held multiple business leadership and C-level roles at leading companies and has a proven track record of developing effective business strategies to accelerate growth. Prior to joining Pitney Bowes in April of 2016, he was President, Terex Financial Services, a global captive financial services company with multi-billion dollar assets under management in over 30 countries. Before that, Chris spent 15 years with GE in both the industrial and financial segments of their business. For 11 years of his tenure, he was with GE Capital holding a number of executive leadership positions in their international commercial and consumer banking organizations. Most notably he was Managing Director, GE Capital and Head of Trade and Supply Chain Finance. Prior to GE, he also held M&A, corporate and business development roles of increasing responsibility at Lincoln Financial Group and Markowitz & McNaughton.
Chris has a BA from Georgetown University. He also completed the executive professional development series at GE’s Jack Welch Executive Leadership Institute. -
Jennifer Kertes
Vice President, Treasury Solutions Commercial Card Account Manager, Citizens
Jennifer Kertes
Vice President, Treasury Solutions Commercial Card Account Manager, Citizens
October 19th 2022Jennifer Kertes joined Citizens in 2020. She possesses a decade’s worth of Commercial Card experience to consult with clients and provide them with a strategic partnership that has a strong “customer first” focus, which has lead to her success within Citizen Commercial Card services. Jennifer is directly responsible for expanding the revenue stream from existing customer relationships, meeting growth goals, and providing clients with solutions to enhance their revenue share and increase their Working Capital. Jennifer is instrumental in identifying additional opportunities for Card spend while maintaining a focus on company specific policies and procedures. Jennifer also specializes in providing analytical services that result in effective recommendations that create a best in class card program.
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Ginger Siegel
Head of Small Business, North America, Mastercard
Ginger Siegel
Head of Small Business, North America, Mastercard
October 19th 2022
Moderator
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Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Steve is the Director of Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service. He has over 12 years of experience in banking and payments research and is an expert on commercial payments, including cards and integrated payables, advising banks and fintech companies on strategy across product, marketing and IT. Before joining Mercator, Steve spent 6 years with CEB TowerGroup as a Research Director in the commercial banking practice. Steve’s specialty areas include transaction banking, payments/payables, receivables, trade services and lifecycle management across business segments and channels. Before joining CEB, Steve spent more than 20 years with Citibank in a variety of senior positions covering consumer, internet, and corporate banking. Roles in the consumer cards group spanned credit operations, fraud policy, marketing, and product development. He was a pioneering member of e-Citi. Upon joining the Citi Transaction Services division, he oversaw the commercial cards European business expansion. Later, in Hong Kong, as part of the regional transaction banking team, he built Citibank’s Asia-Pacific commercial cards startup business covering Asia Pacific. Steve then became the North America market manager for Citi commercial cards. Steve received an M.B.A. from St. John’s University and a B.S. from CUNY’s John Jay College.
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AP/AR automation: winning the market
With 30 million businesses in the US, each sending and receiving invoices, the market for AP software is enormous, yet full AP/AR automation is on a new level of transformation. Propelled by the processing challenges presented during lockdowns, the automation of AP/AR has now been prioritised by firms and is a focus of innovation in payment infrastructure. In this session we will demonstrate what AR/AR tech is in practice, how it can be applied in business, measuring the cost savings in AP/AR processes and scope the opportunity for market growth.
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Stephanie Wilczewski
Director, B2B Solutions Product Management, Bank of America
Stephanie Wilczewski
Director, B2B Solutions Product Management, Bank of America
October 19th 2022Stephanie Wilczewski is a Director and Product Manager for Bank of America’s B2B payables solutions, including Complete AP, Comprehensive Payables, and Paymode-X. In this role, she develops and launches B2B invoicing and payments products using feedback from clients to bridge gaps between business, technology, and product. Stephanie has always been in roles that require her to take challenges head on, and she is passionate about helping corporate clients automate and digitize their Accounts Payable processes. Prior to joining Bank of America, she managed the issuer partnerships for a large AP Automation fintech. Stephanie is a graduate of the University of Alabama and has a certificate from Harvard’s Management Development Program. She is a member of Women in Payments and was Bank of America’s 2022 Innovation award nominee. Stephanie’s most favorite role to date, however, is being a new mom to her 16 month old son.
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Jim Walker
SVP Business Development, BillGo
Jim Walker
SVP Business Development, BillGo
October 19th 2022Jim is a recognized thought leader in B2B payments, supply chain financing, and healthcare. He is SVP of Business Development with BillGO, leading efforts to build their payments network for both consumers and businesses. As founder of Inworks Servicing, he led the formation, growth, and sale of the healthcare payments automation company to a private equity owned fintech. Jim has co-founded several other technology companies, including Medicinebow Technologies and Upright Systems, Inc. where he helped secure A-round funding prior to their sale. He served Intel as National Director of Channel Development.
Moderator
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Frank Martien
Managing Partner, Windward Strategy, Inc.
Frank Martien
Managing Partner, Windward Strategy, Inc.
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Frank Martien founded Windward Strategy, Inc. in October 2020 to provide strategy consulting for B2B payments. Post-MBA, Frank joined First Annapolis Consulting (“FA”) in 1996 where he focused on card strategy, launch, and optimization for networks, financial institutions, technology companies, and private equity firms in the U.S., Canada, and numerous other country markets. He was named an FA equity Partner in 2006. Following FA’s acquisition by Accenture in March 2017, Frank continued as a Managing Director through October 2020 with a focus on commercial, business, and consumer payments. He has served on the global advisory board of Commercial Payments International for many years.
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Networking Break
Solutions to minimise financial crime risk in commercial payment operations
With global losses to card fraud in both consumer and commercial payments projected at $40bn annually, with third of losses occurring in the US, the imperatives to fight and scale back fraud crime are a vital and urgent priority for the payments industry. In this session we identify new and elevated risk in commercial payments ecosystems, including cybercrime, survey the latest initiatives of payment providers to improve security in payments infrastructure and evaluate solutions and best practice in combating financial crime.
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Deborah Kinsella
Director of Fraud, Pitney Bowes
Deborah Kinsella
Director of Fraud, Pitney Bowes
October 19th 2022Responsible for fraud at Pitney Bowes, Deborah has a reputation for getting things done and has a track record of working cross-functionally across multi-disciplined teams. Overseeing the fraud management strategy for both B2B merchant activity and The Pitney Bowes Bank, her team uses combinations of investigative case review and data analytics to minimize and manage the evolving risks to the business.
With over 10 years’ experience leading teams in the fraud, payments and compliance space in both merchant and processor organizations, Deborah is a champion of utilizing multi-skilled teams to overcome the developing threats facing the business day to day.
Deborah holds an MBA from GCD, and is based in Ireland.
Moderator
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Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
Steve Murphy
Director, Commercial & Enterprise Payments Advisory Service, Mercator Advisory Group
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Steve is the Director of Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service. He has over 12 years of experience in banking and payments research and is an expert on commercial payments, including cards and integrated payables, advising banks and fintech companies on strategy across product, marketing and IT. Before joining Mercator, Steve spent 6 years with CEB TowerGroup as a Research Director in the commercial banking practice. Steve’s specialty areas include transaction banking, payments/payables, receivables, trade services and lifecycle management across business segments and channels. Before joining CEB, Steve spent more than 20 years with Citibank in a variety of senior positions covering consumer, internet, and corporate banking. Roles in the consumer cards group spanned credit operations, fraud policy, marketing, and product development. He was a pioneering member of e-Citi. Upon joining the Citi Transaction Services division, he oversaw the commercial cards European business expansion. Later, in Hong Kong, as part of the regional transaction banking team, he built Citibank’s Asia-Pacific commercial cards startup business covering Asia Pacific. Steve then became the North America market manager for Citi commercial cards. Steve received an M.B.A. from St. John’s University and a B.S. from CUNY’s John Jay College.
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Tracking investment in fintechs and commercial payments partnerships
Global venture capital investment in fintech reached a record $125bn in 2021, more than doubling 2020 figures and creating close to 200 unicorns with valuations in excess of $1bn. Take a deep dive into the investment trends and outlook for the B2B payments sector, scan the acquisitions, private equity and listings in commercial payment markets, take a look at incubator funding and accelerator lab development for digital products, and predict future investment trends. Take a snapshot of the current fintech payments ecosystem and the categories, markets and sectors they serve and ask what makes a good partnership for both financial institutions and fintechs alike.
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Matt Harris
Partner, Bain Capital Ventures
Matt Harris
Partner, Bain Capital Ventures
October 19th 2022Matt is a Partner at Bain Capital Ventures in New York City and focuses on investments in financial technology. He sees a huge amount of revenue, profit and market cap shifting from regulated financial institutions to entrepreneur-led insurgents, across payments, lending, capital markets, real estate and insurance. More ramblings on these topics can be found at https://medium.com/@mattcharris. Matt started his investing career at Bain Capital private equity in 1995, having worked previously at Bain & Company, and attended Williams College, where he majored in political economy (with a minor in rugby). In 2000, Matt founded Village Ventures, which he ran for 12 years and where he focused on early-stage fintech investing. In 2012 he rejoined Bain Capital Ventures.
Outside of work, Matt enjoys spending any free moments with his wife, Jessica, and their six children. Matt is the former Chair of the Board of the Williamstown Theatre Festival, a regional theater associated with Williams College. He is also a board member at Endeavor, an organization leading the global movement to catalyze long-term economic growth by selecting, mentoring and accelerating the best high-impact entrepreneurs around the world, as well as the boards of Greater NY and the Partnership Fund for New York City. He is obsessed with military history, and some day will write a book connecting the strategy and tactics of insurgency with what he has learned about entrepreneurship.
Moderator
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Frank Martien
Managing Partner, Windward Strategy, Inc.
Frank Martien
Managing Partner, Windward Strategy, Inc.
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Frank Martien founded Windward Strategy, Inc. in October 2020 to provide strategy consulting for B2B payments. Post-MBA, Frank joined First Annapolis Consulting (“FA”) in 1996 where he focused on card strategy, launch, and optimization for networks, financial institutions, technology companies, and private equity firms in the U.S., Canada, and numerous other country markets. He was named an FA equity Partner in 2006. Following FA’s acquisition by Accenture in March 2017, Frank continued as a Managing Director through October 2020 with a focus on commercial, business, and consumer payments. He has served on the global advisory board of Commercial Payments International for many years.
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Payments messaging: ISO 20022 migration and alternatives
Banks are now transitioning their payment systems to the new ISO 20022, the next global standard format for financial messaging, providing data rich transactions, ahead of the deadline of late 2022. Whilst some banks are already using the new standard, others are at the beginning of, or midway into their payments transformation journey. The process of transition, and the technology and resource investment required, is a challenge many banks are grappling with as they migrate from legacy systems.In this session we look at the benefits of migration to ISO 20022, why the process is necessary if not mandatory, and what is required to achieve successful implementation.
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Yuan Xie
Deputy Head of Information Technology Agricultural Bank of China, New York Branch
Yuan Xie
Deputy Head of Information Technology Agricultural Bank of China, New York Branch
October 19th 2022Yuan Xie is the Deputy Head of Information Technology of Agricultural Bank of China, New York Branch. Agricultural Bank of China is the largest of the four major state-run banks and also one of the largest banks in the world. The New York Branch is the only branch in the USA. She oversees the project management, compliance technology and data governance. Currently she works closely with the project and business team for the upcoming ISO 20022 upgrade.
As an IT specialist with more than ten years of experience in the banking industry, Yuan Xie has extensive experience on payment and banking systems, driving complex IT projects, ensuring technological compliance and governing the data program.
Prior to joining NYB in 2017, Yuan designed and developed core banking and payment systems at the Developing Centre of ABC. Yuan has a master degree from Dublin City University in Electronic Engineering. She loves dancing and snowboarding and lives in New Jersey.
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Ciaran Byrne
Global Head of Clearing Transformation, J.P. Morgan Payments
Ciaran Byrne
Global Head of Clearing Transformation, J.P. Morgan Payments
October 19th 2022Ciarán Byrne is an Executive Director and Global Head of Clearing Transformation within J.P. Morgan Payments. In this role Ciarán is responsible for the execution of key strategic initiatives that evolve the Global Clearing product offering, future proof the business, and lay the foundation for long-term growth. Ciarán holds overall responsibility for the Global Implementation of ISO 20022 and through this program he manages a large group of global stakeholders across all areas of the Bank to drive towards this goal. Ciarán has over 15 years’ experience in Financial Services across Western Europe and North America. Prior to joining JP Morgan in 2021, Ciarán held a number of Leadership roles in Citibank including as Head of Market Management for Liquidity & Investments, International Franchise Management, Global Institutional Client Strategy Lead, Operations & Client Service Manager, & Product Manager for numerous products across Transaction Banking. Ciarán has an Executive MBA from the Dublin Institute of Technology, a BA in Finance & Accounting from the National College of Ireland, and currently resides in resides in New Jersey.
Moderator
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Sanjib Banerjee
Director - Payments Advisory, PWC
Sanjib Banerjee
Director - Payments Advisory, PWC
October 19th 2022-
11:30amRoundtable breakouts
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12:00pmRoundtable breakout - groups rotate
Leader in PwC’s payments advisory practice focusing on driving innovation and new capability offerings with intense focus on accelerating business growth, building strong team cultures, and improving customer experience. Current focus includes, Banks, Financial services and retail payments having worked with organizations across the payments value chain, including retail banks, group service providers and other payment providers/issuers, acquirers, payment networks, payment processors and retailers across various industry verticals. Serving as a thought leader in customer insights and competitive trends in payments and market positioning.
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