I am originally from Panama, and I have had the privilege to develop my professional career globally.

In the U.K., I pursued a Master’s in Operations, project and supply chain management at Manchester Business School, after which I joined First TransPennine Express to contribute to the development of their revenue management strategy.

In Panama, I joined the Panama Canal Authority and led a team in charge of financial modeling of trade volumes, identification of new markets, and pricing strategy. In this position I got fascinated about finance, which led me to the decision to undertake an MBA at Yale.

During my MBA in the U.S., I joined American Express as an Intern in 2016 and returned full time in 2017. As a Director in Amex since 2019, I have led two Director teams (5+ colleagues), spearheaded Amex’s B2B acceleration strategy, developed product strategy for lending products, launched marketing campaigns, created infrastructure for internal analytics, delivered infrastructure uplifts for customer facing features, and led pricing strategy.

Joining Commerce Bank in 2013, Jason brings almost 20 years of experience in the invoice process and payment industry. In his role, Jason manages a team of solution consultants and also consults with clients in various industries to determine where efficiencies would be gained and cost savings realized in their accounts payable process. Jason is able to analyze the current AP process while establishing strategic goals and outlining the steps and best practices required to automate processes within AP. He also arms businesses with comprehensive ROI justifications through inclusive payments strategies.

Sébastien Delasnerie, a senior executive in the B2B payment arena, holds a record of shaping and executing multiple high growth strategies and successfully leading cross-functional teams through transformational initiatives. Leveraging 24 years of banking experience, Sébastien has consistently applied a client-centric strategic vision to articulate and deliver high impact revenue and profitability objectives.

Sébastien is currently in charge of the North America Commercial Cards business at Citi with responsibilities cutting across client engagement, product development, operations and technology (>500 FTEs). Most recently, he led his team to successfully implement several client-focused initiatives emphasizing the security, immediacy, data enrichment, and financial benefits of the bank’s B2B payment solutions, yielding double digit CAGR in virtual card payments between 2019 and 2021. Sébastien thrives in high pace environments, particularly when responsible for driving foundational changes to a business model, as further exemplified by his leading a multi-year effort to modernize the business’ tech stack and avail clients with an upgraded platform able to support emerging market demands, including APIs and data analytics.

Sébastien is passionate about the B2B payment space and the ever-evolving demand of clients in this field, creating endless opportunities to add value to the buyer-seller relationship. In his previous role as North America Trade Business Head at Citi, he assessed the market demand for cash flow optimization following the 2009 financial crisis and led his team to execute a market-wide commercialization campaign of the bank’s working capital solutions, primarily supply chain finance.

Sébastien’s leadership style can be best characterized as ’50/50’; half ‘consultative’, drawing from the best and brightest across the organization, and half ‘pace setter’, identifying the strategic priorities and driving their successful execution.

Going forward, Sébastien looks to continue to leverage his diverse banking background and extensive senior leadership experience, identify growth opportunities, optimize organizational resources, implement the necessary changes and drive teams to new heights.

Sébastien is proud to serve as senior sponsor of the LGBTQ+ Employee Affinity Group for Citi Treasury & Trade Solutions North America.

Sébastien holds a Bachelor’s Degree in Economics & Finance from the Institut d’Etudes Politiques de Paris (France) and a Master’s Degree in Financial Engineering from the Université Paris-Sorbonne (France).

Edward Galvin is a responsible for NA Large & Middle Market Commercial Payments Sales at Visa.   This role involves working consultatively with card issuing partners to grow commercial card portfolios and to ensure the optimal deployment of Visa solutions to support both the card issuer and end corporate needs. 

In prior roles at Visa, Edward has been responsible for US Large Market product setting the strategy and executing on commercial product initiatives to grow the large market segment.   He has also managed the Engagement and Expansion team for Visa Business Solutions in Europe.   Edward initiated his career working as a Management Consultant for Deloitte in London, UK. Prior to joining Visa, Edward held a Sales Consulting position with First Data. 

Edward graduated with a Bachelor of Commerce and a Masters of Science degrees (Accounting, Finance & Information) from University College Cork, Ireland.  Edward is an avid marathoner and runs an annual 26.2!

JANET GUTHRIE heads up the Card and Comprehensive Payables team’s travel product strategy and local issuing partnerships in Latin America. She also leads efforts to launch and commercialize new card solutions to our corporate clients globally. Her focus is transforming the way clients and cardholders transact virtually and out in the world.

Janet leads a team of product professionals dedicated to providing innovation and market leadership to the dynamic commercial card environment. This team drives initiatives to help our clients optimize their travel spending while enjoying an experience tailored to today’s environment. The team is transforming the way people transact virtually and out in the “real” world.

Janet has devoted her career to the payments industry; connecting the realms of fintechs and financial institutions is a specialty. Imagining the role card payments play in environmental sustainability is what motivates her every day.

Prior to joining Bank of America, Janet managed prepaid products, directed business development and strategy, led a global account management team and launched online banking and bill payment systems for industry leaders (Mastercard, Visa, WageWorks, Brodia). She began her career at VeriFone, a maker of merchant credit card terminals still in use today.

She currently resides in San Francisco where she heads up LEAD for Women, one of Bank of America’s employee network groups. She is also a board committee member of ECS, the largest provider of essential services to people experiencing homelessness in San Francisco. In every season, she can be found in the mountains, hiking, skiing, or kayaking while she concocts the plot of the novel she will complete someday.

Jørgen Christian Juul is the founder of Cardlay and has extensive experience from holding executive positions in listed companies and other corporate organisations, and at the same time being an entrepreneur. In his most recent position, he served as Executive Chairman at Wallmob, which he founded, operated, and sold to the Nordic IT Conglomerate Visma.

Paul Krumholz is the HSBC US Head of Product Management, NA Commercial Cards. 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.

Dean Nolan is Managing Director, Commercial Payments at SRM (Strategic Resource Management), an independent advisory firm serving financial institutions through strategic consulting, vendor sourcing, and vendor contract optimization.
 
Dean brings 25+ years of experience in payments and financial services, having held leadership positions in payments strategy, innovation, product management, and product sales at Fifth Third Bank, Bank of America, Wells Fargo, First Data, and MasterCard. He is a frequent speaker on Instant Payments and Fintech and API workgroup chair at the US Faster Payments Council.

Karen 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.

Leigh Radtke leads the North America Product organization for Visa Commercial Solutions leading a team of product experts who focus on bringing innovative payment products and solutions to life for Visa’s bank clients and technology partners to enable small, medium and large businesses to grow and thrive. Since joining Visa in 2011, Leigh has held business executive roles in B2B Product, Processing Technology and Client Services. Leigh’s career achievements as an innovator, thought leader and patent holder are interwoven with the evolution of Digital, Web, Mobile technologies. Prior to joining Visa, Leigh led Strategy, Product Management and Business Development for innovative technology companies large and small with an emphasis on B2B commerce, Bill Pay, Digital / Mobile and Internet of Things. Leigh resides in the Denver CO metropolitan area with her husband Mark and three Labrador retrievers, Nash, Takoda and Talulah.

Geisa Balla has over 10 years of experience in the financial services industry and is currently Head of Product at Customers Bank, leading the bank’s product management team for digital banking, cash management, digital onboarding, payments, open finance, credit cards and fintech partnerships. Prior to Customers Bank, she was a Sr. Product Manager at American Express for the commercial Membership Rewards program, leading the product refresh and innovation. She also held roles in marketing at American Express across the small business and commercial segments. She holds a BA in International Studies from Michigan State University, and a JD from New York Law School.

Holly Tennent is the Treasury Product Manager for Virtual Payables and Network Strategy at Bank of America. In her position, Holly plays a key role in shaping the B2B card and payables solutions strategy including fintech partnerships, client enhancements and supplier experience. Prior to joining Bank of America, Holly spent nine years at Bottomline Technologies, most recently in a solutions consultant capacity supporting Bank of America where she assisted clients with the functional and technical aspects of the Paymode-X solution. She believes in building lasting relationships and trusted partnerships, shown through her attention to detail and ongoing focus on the client experience. Holly is a graduate of St. Lawrence University where she was a national competitor on the Equestrian team.

Ray joined Webster Bank in July 2023 as Managing Director, Enterprise Payments and currently leads Product Management for Commercial Card. Ray oversees several disciplines to drive competitive differentiation including strategy, innovation, partnership development and most importantly, customer experience for its Commercial Banking customers. Previously, Ray held similar roles at Citizens Bank and prior to that, led 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, Ray also led Mastercard’s relationships with a number of issuers including J P Morgan, WEX, HSBC, and Citizens spanning credit, debit, prepaid, cobrand, and commercial card portfolios. Ray lives in Connecticut with his wife and 2 daughters.

Jenny Carlson is the Head of U.S. Regional Commercial Sales at Visa. In this role, Jenny manages a team that enables Visa’s Regional Financial Institution partners, and their clients, to grow and thrive through the launch of business payment initiatives and solutions. Prior to joining Visa in 2019, Jenny spent five years at American Express working with businesses to digitize their accounts payable and accounts receivable operations. 

She holds a Master of Business Administration and a Bachelor of Science in Marketing from Arizona State University’s W.P. Carey School of Business, as well as an Associate of Arts in Visual Communication from the Fashion Institute of Design and Merchandising.  

Mitchell Bessey is the Head of North America Commercial Solutions at Visa.  Based in San Francisco, Mitchell leads a team of product and market experts who deliver small, mid, and large market solutions for Visa’s Financial Institution and FinTech ecosystem in North America.  Prior to this role, Mitchell delivered net new partnerships and payment solutions in roles across business development, FinTech partnerships, Strategy & Operations and Small Business Product management roles with Visa in both London and San Francisco.

He holds a Bachelor of Arts in Economics from the University of Denver.

Amy Horack is a Director at Bank of America within the Global Transaction Services organization. She works with the Global Card & Intelligent Payables team to develop informative and inspiring messaging for internal and external stakeholders and drive solution adoption with clients. In her role, Amy collaborates with partners in all areas of the bank to create marketing, servicing, and internal communications through a variety of channels with the goal of global consistency and user clarity. Through multiple channels and internal promotion, Amy has driven app adoption, solution revenue and internal engagement. Her primary goal is to translate the deep, technical knowledge of the product team into the language of users with a focus on their desires. Amy does this through pulling from the diverse experiences she has gathered in her non-linear career. Who says that an event planner with a degree in Nutrition and Dietetics cannot be a banker?

Chris is a Senior vice president at KAE, a boutique strategic advisory firm. Chris joined KAE in 2007 and during this time, he has managed multiple high profile global projects across the payments space (focusing on various issuing and acquiring topics across both the commercial and consumer payments sectors), banking, FinTech, AltFi and telco industries. He also heads KAE’s FinTech practice.

Lydie 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.