Agenda

Overview

Day 1

The first day of the Global Summit has been crafted to give attendees an exclusive look into digital payments and how financial institutions around the globe are advancing the adoption of commercial cards and payments. Attendees will walk away with a comprehensive understanding of how financial institutions are tackling challenges and capitalizing on opportunities to better serve clients.

  • 1:00pm
    Registration and check-in
  • 2:00pm
    Opening and welcome
    Melissa Sefic

    Melissa Sefic, SVP, Head of Commercial Payments International, The Economist Group

    Melissa Sefic
    Melissa Sefic The Economist Group SVP, Head of Commercial Payments International

    Melissa Sefic is SVP, Head of Commercial Payments International, an organization that produces educational networking events for professionals in the commercial card and payments industry. With over 15 years’ experience in the conference and events business, Melissa comes from American Banker where she oversaw sales and business development initiatives acting as a consultant to many organizations looking to expand their brand and thought leadership presence in the U.S. She is based in New York City.

    Nicki Bisgaard

    Nicki Bisgaard, Group Head, PayTech Group

    Nicki Bisgaard
    Nicki Bisgaard PayTech Group Group Head

    Nicki has more than 25 years behind him in the commercial cards industry, working across a wide variety of disciplines and business areas from brand building and marketing through product management to processing across all segments and product categories in the commercial cards market. Focusing on strategy development, product development, business planning, technical and commercial feasibility studies, program implementation and staff support and training, Nicki has been engaged in numerous projects for card issuers and acquirers, payment schemes, oil companies etc. globally.

  • 2:05pm
    The Global Outlook

    Robert Powell, editorial director of EIU Thought Leadership in the Americas, will present on the key geopolitical and economic issues impacting the world today. This includes:  U.S. recession and debt risks; the global trade dispute; the outlook for China; and the Brexit dilemma.

    Robert Powell

    Robert Powell, Editorial Director, Americas, Economist Intelligence Unit

    Robert Powell
    Robert Powell Economist Intelligence Unit Editorial Director, Americas

    Rob Powell is the Editorial Director for the Americas Thought Leadership team. During his time at the Economist Intelligence Unit he has assisted myriad multinationals firms and government agencies, delivering studies covering, among other areas, scenario planning, supply chain resilience and investment allocation. Prior to joining the Thought Leadership team, he was a Senior Consultant in the Public Policy team, and before that the Business Operational Risk global manager and Regional Manager of the Middle East and Africa team. Robert holds a Masters degree from Trinity College Dublin, and has certificates in Banking Risk & Regulation and Global Oil & Gas Management. He is also a regular participant on the conference circuit, and maintains very active contacts with the media, including interviews with the BBC, Bloomberg, CNBC, Fox, ABC, CNN and NPR.

  • 2:45pm
    What does commercial payments look like in 2025?

    As the pace of integrated payables strategies and the continued advancement of alternative payment types continue, the commercial card business must ask itself, “what will commercial payments look like well into the future, and what is the value that it can continue to deliver?”  Understanding what the industry might look like in the near future impacts technology investment decisions, organizational considerations and overall growth strategies. Hear perspectives on what the stakeholders in the audience can do to proactively build their businesses during this rapid pace of change.

    David Kretz

    David Kretz, Managing Director, Head of GTS Global Strategy & Payments, Bank of America Merrill Lynch

    David Kretz
    David Kretz Bank of America Merrill Lynch Managing Director, Head of GTS Global Strategy & Payments

    David Kretz is Managing Director and head of Global Strategy and Payments in the Global Transaction Services (GTS) business at Bank of America Merrill Lynch. He is based in New York. Kretz and his team work with GTS product and regional leadership to originate and execute a holistic, cross-product strategy. His team has direct responsibility for wholesale payments, inclusive of high value, low value, foreign exchange payments and banknotes, delivered to large corporate multinationals, commercial banking, business banking, financial institutions, non-bank financial institutions and public sector clients. Those line responsibilities include end-to-end product and profit- and-loss management, product development, pricing, training and marketing. Previously, Kretz was head of Global Cross Currency (FX) Product Management. Prior to that, he was chief operating officer for GTS. Kretz has over 30 years of experience in financial services. Prior to joining Bank of America Merrill Lynch in 2011, he spent seven years with J.P. Morgan in various senior roles within Treasury Services, including global head of Strategy and Western Hemisphere Liquidity Product Executive. Previously, he spent seven years as a banking consultant, and nine years in middle market banking. Kretz is on the Board of Directors of NACHA, The Electronics Payments Association, and also on the SWIFT U.S. National Group. He is a graduate of Bradley University with a BS in Finance and holds an MBA from Northwestern University’s Kellogg Graduate School of Management.

    Kevin Phalen

    Kevin Phalen, SVP & Global Business Head, Visa Business Solutions

    Kevin Phalen
    Kevin Phalen Visa Business Solutions SVP & Global Business Head

    Kevin Phalen is Senior Vice President and Global Head of Visa Business Solutions. Kevin joined Visa in 2017 and is using his past experience and success in commercial and business banking to increase Visa’s edge as the leader in the payments space for commercial payment solutions. Prior to joining Visa, Kevin led the Commercial Card, Prepaid Card and Comprehensive Payables business for Bank of America Merrill Lynch. He also led the Public Sector Banking GTS coverage team. Additionally, earlier in his 9 years with the bank, Kevin led the Merchant business along with the Trade and Supply Chain business. Kevin also spent 7 years at JP Morgan Chase earlier in his career. Kevin and his wife Deb recently moved from Chicago to San Francisco. Kevin has two sons, Liam age 22, recently graduated from the University of Edinburgh and Quin age 20 just started his 3rd year at the University of Edinburgh.

  • 3:15pm
    Refreshment break

    Sponsored by:
    dataflexnet

  • 3:45pm
    Fintech showcase

    Six fintechs solving problems in the commercial payments space present in this quick-fire format, demonstrating how they’re solving problems and filling gaps for business and financial institutions.

    Bill Wardwell

    Bill Wardwell, VP, Strategy and Business Development, Bottomline Technologies

    Bill Wardwell
    Bill Wardwell Bottomline Technologies VP, Strategy and Business Development

    Bill Wardwell is responsible for leading the product and business development strategies for the Paymode-X Business Solutions team at Bottomline Technologies. He also has responsibility for creating strategic relationships with industry partners. Bill has more than 15 years experience in the technology and banking industry with a focus on business payments and working capital solutions.

    Joshua Normie

    Joshua Normie, Banking Partnerships, Conferma Pay

    Joshua Normie
    Joshua Normie Conferma Pay Banking Partnerships

    Josh is responsible for the growth of Conferma Pay’s banking ecosystem and the development of virtual payments programs with global issuers and card network partners. After joining Conferma Pay in 2015, Josh has held strategic positions in business development and partnership management, accumulating a wealth of knowledge in the card and payments industry. Josh’s key focus is the development of bespoke payment solutions spanning T+E and B2B verticals in commercial payments. Previously, Josh worked in public health, evaluating efficiencies with payment processes, graduating with a Masters in Economics from Heriot-Watt University.

    Michael Cliffe

    Michael Cliffe, Director and Chief Technology Officer, Dataflexnet

    Michael Cliffe
    Michael Cliffe Dataflexnet Director and Chief Technology Officer

    Mike has 20 years’ experience within businesses where software technology is central and 11 years at C-level, having delivered value within Reuters, Nokia, First Data, Ford’s Formula 1 Division (Pi), and mxData. Mike graduated with 1st class Degree in Computer Science and HND in Software Engineering, and received performance awards by Addison Wesley and Oracle. He continued his post graduate interests through Open University and Henley Business School. Actively interested in the business start-up scene, prior to Dataflexnet, Mike helped found several businesses including an online retail (e-commerce), technology consultancy, and travel products across the mobile ecosystem where he ultimately contributed to the exceptional growth achieved at mxData. Mike joined Dataflexnet in 2016 as Chief Technology Officer (Director) with ambitious plans to nurture, manage and grow Dataflexnet's product and development group capability across virtual card, data processing, and retail of travel product.

    Erik Ingvoldstad

    Erik Ingvoldstad, Chief Experience Officer and Co-Founder, Eedenbull

    Erik Ingvoldstad
    Erik Ingvoldstad Eedenbull Chief Experience Officer and Co-Founder

    Erik is an innovator, a creative leader, a UX strategist and an entrepreneur. After over 20 years in advertising, digital marketing and digital transformation consulting, he left the industry behind to co-found EedenBull, a customer-centric FinTech delivering payment solutions and banking-as-a-service products to banks. Erik is driven by problem/solutions, focusing on fixing real-world problems with great ideas and innovative and relevant technologies. Erik has lived and worked in four different markets; Norway, Australia, Singapore and China, as well as overseeing work across Asia Pacific, the Nordics and the globe. He currently lives in Singapore. Erik is a renowned speaker on the subjects of Innovation and Digital Transformation, has taught a number of courses and seminars in digital, and has been a recurring guest lecturer at the Norwegian School of Management (BI). He has published a number of articles.

    Andrew Jamison

    Andrew Jamison, CEO & Co-Founder, Extend

    Andrew Jamison
    Andrew Jamison Extend CEO & Co-Founder

    Andrew is the CEO and Co-Founder of Extend, a platform that enables banks, FinTechs and their customers with digital card distribution capabilities. 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 the size of 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.

    Bruno Perrault

    Bruno Perrault, Head of Partnerships & Business Development, Plastiq

    Bruno Perrault
    Bruno Perrault Plastiq Head of Partnerships & Business Development

    Bruno Perreault leads Partnerships and Business Development at Plastiq. Bruno has been focused on digitizing the commercial billing and payments market for over 25 years. His experience includes roles at global Card companies such as American Express and MasterCard as well as at private companies such as Billtrust and the Tungsten Network (OB10) where he led teams that created and launched more than 20 new digital products and product categories that transform how buyers and sellers transact. Bruno received his MBA from the Kellogg Graduate School of Management at Northwestern University and a Bachelor of Business and Computer Sciences from the Universitée de Sherbrooke in Canada.

  • 4:30pm
    Fintech showcase Q&A
  • 4:45pm
    A call to action: Increasing digital adoption

    The adoption of the commercial card mobile wallet and digital tools and services for corporate is a crucial piece of an overall growth strategy for the industry. But there seems to be inertia and barriers to adoption. What can the industry do to spur adoption? What barriers exist and how can they be overcome. What creative solutions have been employed? How do you balance the push to digital and enthusiasm among users with the need for corporate controls? Hear how the industry can address these questions and what the call to action should be in the push for digital adoption.

    Bradley Matthews

    Bradley Matthews, SVP, Head of Middle Market Bankcard Product & Marketing, US Bank

    Bradley Matthews
    Bradley Matthews US Bank SVP, Head of Middle Market Bankcard Product & Marketing

    Bradley Matthews leads the strategic development and marketing of commercial purchasing and travel card programs for U.S. Bank’s middle market business-to-business customers in North America. He assumed the position in February 2015 after having previously led the bank’s strategic travel payment product team. Bradley has been in the financial services and payments business since 1998. His experience includes 13 years leading strategy, development and operations for financial services technologies at American Express. He earned a bachelor's degree from the University of Cincinnati, where he majored in Computer Science, with an emphasis on robotics and artificial intelligence. Bradley is an accomplished public speaker who has presented at numerous professional forums, including the Association for Financial Professionals (AFP), the National Association of Purchasing Card Professionals (NAPCP) and Commercial Payments International (CPI)’s Middle Market Commercial Cards and Payments Summit. He serves on CPI’s Middle Market Advisory Board. His on-camera experience includes the Killer Innovations podcast and Middle Market Executive On Location, among other programs.

    Maria Parpou

    Maria Parpou, Chief Product Officer, Barclaycard Commercial Payments

    Maria Parpou
    Maria Parpou Barclaycard Commercial Payments Chief Product Officer

    As Product Director for Commercial Card, Maria oversees the strategy and product design of all T&E and B2B Commercial Cards Products for Barclaycard. Since joining Barclaycard in 2014, Maria has spearheaded the growth of Barclaycard’s B2B payments by investing in innovative and design rich product capabilities; developing tech partnerships to embed B2B payments “into the layer”; and focussing her team on specific industry verticals such as Travel and Procurement payments to unlock market opportunities. Prior to her current role, Maria worked for Barclays Investment & Corporate Banking division. Her earlier career was with Booz&Allen as a senior consultant within their European financial services practice.

    James Anderson

    James Anderson, EVP, Commercial Products, Mastercard

    James Anderson
    James Anderson Mastercard EVP, Commercial Products

    James Anderson is Executive Vice President, Commercial Products. He assumed this role on April 2, 2018. In this role he is responsible for all Mastercard’s products and programs targeted at businesses – including Small and Medium Enterprise (SME) and Large Market card programs, Virtual Card solutions for Accounts Payables and a set of new products under development. Before taking on this role, James was Executive Vice President - Digital Payment Products leading three initiatives; Mastercard Digital Enablement Service (MDES), Masterpass and the API platform. James has spent his career at the intersection of mobile, payment, and internet technologies in Product Development, Business Development and General Management roles. James joined Mastercard in 2007.

    Jørgen Christian Juul

    Jørgen Christian Juul, Founder & CEO, Cardlay

    Jørgen Christian Juul
    Jørgen Christian Juul Cardlay Founder & CEO

    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.

  • 5:30pm
    Networking reception

    Sponsored by:

  • 6:30pm
    Adjourn to day 2

Overview

Day 2

From regulation and data to T&E, the Global Summit's second day has been crafted to offer attendees in-depth sessions necessary for all stakeholders in the commercial card and payments ecosystem. Attendees will have the opportunity to participate in hot topic think tank sessions, networking and much more.

  • 8:00am
    Networking breakfast

    Sponsored by:

  • 9:00am
    Welcome and recap of Day 1
    Nicki Bisgaard

    Nicki Bisgaard, Group Head, PayTech Group

    Nicki Bisgaard
    Nicki Bisgaard PayTech Group Group Head

    Nicki has more than 25 years behind him in the commercial cards industry, working across a wide variety of disciplines and business areas from brand building and marketing through product management to processing across all segments and product categories in the commercial cards market. Focusing on strategy development, product development, business planning, technical and commercial feasibility studies, program implementation and staff support and training, Nicki has been engaged in numerous projects for card issuers and acquirers, payment schemes, oil companies etc. globally.

  • 9:15am
    How the industry can deliver value to corporates

    Instead of focusing on what the cost is to corporates; the focus should be on what the industry can deliver in terms of value to corporates: efficiency; savings; reducing friction; providing working capital. What developments in the industry has delivered on this, and where can it improve?

    Gonca Latif-Schmitt

    Gonca Latif-Schmitt, MD, Global Commercial Card Business Head, Treasury & Trade Services, Citi

    Gonca Latif-Schmitt
    Gonca Latif-Schmitt Citi MD, Global Commercial Card Business Head, Treasury & Trade Services

    Gonca Latif-Schmitt is a Managing Director within Citi’s Treasury and Trade Services at Citi based in New York. Gonca is on the Treasury and Trade Solutions Executive Committee as the Global Head of Commercial Cards. In this role Gonca provides leadership to a global and cross functional team of 1500+ professionals across Sales, Product Management, Client Delivery and Technology. As the Global Head of Commercial Cards, Gonca develops the strategic direction for the business as well as provides operational oversight for a global business spanning over 100 countries. Gonca has been with Citi for 23 years. Prior to her current appointment, she was the North America Business Head of Commercial Card responsible for Citi’s end to end NA card business as well as management of NA headquartered clients programs globally. Prior to her role in Commercial Cards, Gonca was responsible for Development Organizations and Embassy Banking segment within the North America Public Sector Group. Her team primarily focused on managing a global portfolio of solutions that leverage Citi’s 100+ country footprint. She worked closely to develop financial solutions to support these clients as they deliver humanitarian aid in development markets globally. In the early part of her career, her focus had been on managing client relationships across several verticals to include industrials, media, broker/dealer, mutual funds and public sector. Gonca holds a BA from New York University. She lives in Manhattan with her husband and two daughters.

    Jodi Woods

    Jodi Woods, Global Category Manager; Travel, Meeting and Card, Becton Dickinson

    Jodi Woods
    Jodi Woods Becton Dickinson Global Category Manager; Travel, Meeting and Card

    Jodi Woods is the Global Category Manager in Global Procurement for Travel, Meetings and Card at BD. Jodi is responsible for managing the global strategies and works closely with the Expense Management team on the day-to-day operations, inclusive of supporting mergers, acquisitions and divestitures to ensure smooth transitions for Travel and Card. She was recently the first recipient of the CPO (Chief Procurement Officer) award at BD for sustained performance on the Global Procurement team. Previous to BD, Jodi also held various Procurement roles with Cadbury Schweppes, Unilever and Novartis Pharmaceuticals. She graduated from Farleigh Dickinson University with a BS in Business Management and resides in NJ with her family.

  • 9:45am
    T&E is dead. Long Live T&E!

    T&E is the bread and butter of commercial issuance, reliable with steady to flat growth. But the emergence of technologies and the influence of consumerization provides the prospect for future growth. With mergers and acquisitions in the sector enabling seamless integration, the potential of central travel accounts leapfrogging into virtual travel accounts, T&E could very well look different from years past with creative solutions emerging and creating a fresher value proposition for clients.

    Patrick W. Diemer

    Patrick W. Diemer, Managing Director & Chairman, AirPlus International

    Patrick W. Diemer
    Patrick W. Diemer AirPlus International Managing Director & Chairman

    Patrick W. Diemer was born in Mainz in 1957. He studied economics at university in Kiel and Hamburg. He began his professional career at PRODIGY in White Plains, NY, USA. After that, he headed the Marketing department of Matuschka Privat Finanz GmbH in Munich, Germany. In 1991, that company was taken over by Commerzbank. He then switched to the Commerzbank in Frankfurt where, as a Director, he was last responsible for all private client Marketing. From 1997 to 2003, Patrick W. Diemer was General Manager of Visa International in Germany. He came to AirPlus International in 2003. As Chairman of the AirPlus Board, he is responsible for Marketing, Sales, HR, Strategy and Transformation and thus for the international expansion of all operations.

  • 10:15am
    Networking break

    Sponsored by:

  • 10:45am
    B2B payments are messy: how payments between commercial trading partners can be streamlined on a global basis

    In the world of card payments, commercial cards used for invoice-based payments among trading partners have historically been the most difficult to facilitate. While the consumer card payment experience has become consistent, simple, and ubiquitous for all stakeholders, commercial card payments have proven to be anything but. Add to the mix the costs and complexities associated with cross border payments and multiple regulatory bodies, and it’s clear to see why the growth of commercial card products on a global basis has been largely disappointing – until now. This session will explore how new B2B payment technologies can eliminate the economic and ‘ergonomic’ friction associated with commercial card transaction on an international basis.

    Dean Leavitt

    Dean Leavitt, Chairman & CEO, Boost Payment Solutions

    Dean Leavitt
    Dean Leavitt Boost Payment Solutions Chairman & CEO

    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.

    Sabrina Cooper

    Sabrina Cooper, VP, Cards & Payments, Sagicore Bank Jamaica Ltd.

    Sabrina Cooper
    Sabrina Cooper Sagicore Bank Jamaica Ltd. VP, Cards & Payments

    Sabrina Cooper is Vice President, Cards & Payments at Sagicor Bank Jamaica Ltd. In this role she is responsible for the management and growth of the Bank’s Issuing and Acquiring portfolios, in addition to the development and launch of new payment related products. Through her role in Payments, Sabrina supports the Bank’s overarching strategy to grow its Commercial and SME portfolio by maintaining a keen focus on Payment products geared to support the Commercial and SME segment. Prior to her current role, the career banker with over 20 years’ experience, held the position of Vice President, Retail Banking where she was responsible for the organizations expansive branch network, as well as the development and launch of the Bank’s Small and Medium Size Enterprise Division. A magna cum laude graduate of Florida International University (FIU), Sabrina holds an honors undergraduate degree in Business Administration, with a double major in Finance and International Business.

  • 11:30am
    Changeover break
  • 11:45am
    Think Tank breakout sessions

    Sessions will be dedicated to the following topics, beginning with a 20-minute presentation followed by a moderator-led discussion with attendees. Attendees are encouraged to provide their thoughts and expertise during the open discussion portion of the session.

    • The Convergence of AP and AR Platforms is a Reality
      As the commercial payments market evolves, Virtual Cards and other commercial payment methods (card and non-card) continue to work their way downstream to address more payments. This means that solution providers must address the needs of both buyers AND suppliers with a strong value proposition for both sides. During this session discover how fintechs are partnering with financial institutions, biller directories and other partners to reconcile these needs through advanced solutions that include card, ACH, and other payment methods.
      Cindy O’Neill, Priority
      Christina Wagner, Priority Commercial Payments
      Nick Babinsky, Billtrust
    • Back to basics: The value of cards in today’s commercial payments landscape
      Last year Uber became the most expensed business-travel brand in North America. The Certify SpendSmart report for the third quarter of 2018 found that 11% of all submitted expenses were for Uber, followed by Starbucks and Amazon. All those corporate favourites have one thing in common, they transformed the payment process to the point it became invisible. Their technology is easy to use, and promotes transparency, safety and accountability between customer and merchant. In this session we will explore how businesses are firmly setting consumer-grade technology expectations and how this is shaping the value of cards in today’s commercial payments landscape.
      Please note: this is an interactive session, be prepared to take part in rounds of Family Fortunes, win prizes and gain access to the latest mobile payment innovation.
      Joshua Normie, Conferma Pay
    • The promise of A.I. – Use Cases
      Much has been touted about artificial intelligence’s impact. This session explores the potential impact of AI on a range of relevant business services, corporate payments and travel and expense related services. This session will address various use cases for AI, including:

      • Underwriting/risk management for corporate credit
      • Corporate onboarding
      • Contextual engagement with corporate cardholders
      • Corporate travel booking and payments
      • Data quality
      • AP and AR automation (e.g. in expense management, invoicing and payments)

      Session participants are invited to share their ideas, early experiences, challenges and early adoption stories with the group.
      Shona Sabah, KAE

    • Innovation and Growth Strategies in B2B Payments
      While financial institutions are beginning to introduce B2B payment solutions, most of the segment’s innovation is being driven by nimble financial technology companies and other disruptors. How can FIs enhance the value proposition of their B2B offerings and gain competitive differentiation? We’ll discuss:

      • The significant growth opportunities that B2B payments represent
      • Market trends driving competition in the B2B payments landscape, including innovations by fintechs, rise of faster payment solutions and consumerization of B2B payments
      • Payments pain points that buyers and sellers face, including payments delays, high processing costs, and limited transaction visibility
      • Strategies to enhance the value proposition of FIs, including creating bundled payment solutions that address broader business issues, and harnessing “greenfield” innovation through partnerships and acquisitions

      Learn how your organization can capitalize on growth opportunities in the B2B payments market.
      Tushar Puranik, Deloitte
      Divakar Goswami, Deloitte

    Cindy O’Neill

    Cindy O’Neill, President, Commercial Payments Division, Priority Commercial Payments

    Cindy O’Neill
    Cindy O’Neill Priority Commercial Payments President, Commercial Payments Division

    As President of Priority Commercial Payments, Cindy O’Neill has oversight for the Commercial Payments Exchange (CPX) ® and ACH.com Divisions. She is responsible for the development and growth of Priority’s commercial solutions suite, supporting both traditional and transitional payments, in addition to a full suite of targeted supplier acceptance solutions. Prior to joining Priority, 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.

    Christina Wagner

    Christina Wagner, SVP, Priority Commercial Payments

    Christina Wagner
    Christina Wagner Priority Commercial Payments SVP

    Christina recently joined Priority Commercial Payments as senior vice president of strategic partnerships and commercial acceptance. Previously, Christina was senior director of partnerships and new initiatives at Visa Inc., where her leadership was instrumental indeveloping product strategy and building an ecosystem of strategic business to business partnerships in the accounts payable, accounts receivable and alternative lending segments. Prior to joining Visa, Christina spent 10 years at TSYS, a global payment processor, serving in various leadership positions within information technology, consulting and product management. As director of business and product development, Christina delivered solutions for financial institutions who support the small business, corporate and government sectors. Christina earned her bachelor of science in management information systems from Troy University and her master of business administration from Auburn University. Outside of work, Christina enjoys spending time with her husband and her five children, cooking and traveling. When she is not busy with her family, she enjoys yoga, reading and wine tasting.

    Nick Babinsky

    Nick Babinsky, VP & GM, Emerging Solutions, Billtrust

    Nick Babinsky
    Nick Babinsky Billtrust VP & GM, Emerging Solutions

    As General Manager of Emerging Solutions at Billtrust, Nick leads the company's business unit focused on bringing new innovations to market. Having spent the last eight years at Billtrust, Nick has worked closely across the supplier, issuing, and acquiring ecosystem to partner on transforming B2B payments through several new offerings, including the Business Payments Network launched last year in partnership with Visa.

    Joshua Normie

    Joshua Normie, Banking Partnerships, Conferma Pay

    Joshua Normie
    Joshua Normie Conferma Pay Banking Partnerships

    Josh is responsible for the growth of Conferma Pay’s banking ecosystem and the development of virtual payments programs with global issuers and card network partners. After joining Conferma Pay in 2015, Josh has held strategic positions in business development and partnership management, accumulating a wealth of knowledge in the card and payments industry. Josh’s key focus is the development of bespoke payment solutions spanning T+E and B2B verticals in commercial payments. Previously, Josh worked in public health, evaluating efficiencies with payment processes, graduating with a Masters in Economics from Heriot-Watt University.

    Shona Sabah

    Shona Sabah, Senior Consultant, KAE Consulting

    Shona Sabah
    Shona Sabah KAE Consulting Senior Consultant

    Shona has managed multiple projects, with a focus on commercial and consumer payments in Europe and North America. She has supported clients in areas such as product development, Go-To-Market, market analysis and benchmarking. As a member of KAE’s FinTech practice, Shona has also published a number of thought pieces and chaired round table discussions at Commercial Payments International (CPI) events in both the UK and US. Prior to KAE, Shona worked as part of the Istanbul International Financial Center Project, helping identify how the city could become a successful finance hub.

    Tushar Puranik

    Tushar Puranik, Managing Director, Banking and Payments Technology, Deloitte Consulting LLP

    Tushar Puranik
    Tushar Puranik Deloitte Consulting LLP Managing Director, Banking and Payments Technology

    Tushar has 20+ years of experience in leading large scale technology transformations in banking and payments. He brings a unique blend of business orientation, deep hands-on experience with technology, strong cross-functional management skills and a broad global perspective. He has been deeply engaged in major domains of a typical CIO portfolio including enterprise applications, legacy systems, infrastructure and operations, application development and IT strategy and innovation. Specific areas of his experience and engagements include: core banking and payments systems, transaction processing, cross channel sales and service, information management, data center and cloud infrastructure, risk management and compliance.

    Divakar Goswami

    Divakar Goswami, Specialist Leader, Deloitte Consulting LLP

    Divakar Goswami
    Divakar Goswami Deloitte Consulting LLP Specialist Leader

    Divakar is a specialist leader in our Financial Services Strategy practice. He brings over 15 years of global experience leading growth strategy, product strategy and innovation for clients across the payments ecosystem. His work has focused on go-to-market strategy and execution for cards, B2B payments, virtual cards and mobile payments. He has helped clients launch payments products in multiple geographies, developed an integrated B2B payments portfolio for SME segments, led the customer servicing strategy for payments network and assessed requirements for enabling an interoperable faster payments system for a central bank. He leads Deloitte’s Payments Research Center and is the co-author of B2B Payments for the Middle Market. He has been with Deloitte since 2007.

  • 12:45pm
    Networking lunch

    Sponsored by:

  • 1:45pm
    Getting real with real-time payments

    The latest on real-time payments, with data means it’s a viable competitor with cards. But as financial institutions consider an increasingly integrated approach, is this something they should be worried about? What segments of the market might it matter in; what might it not matter in? Should it be considered as a replacement for card in the first place, especially in terms of it as a financing tool?

    Andrea Gilman

    Andrea Gilman, SVP, New Payments, N.A., Mastercard

    Andrea Gilman
    Andrea Gilman Mastercard SVP, New Payments, N.A.

    Andrea Gilman is senior vice president of new payments in the North American region at Mastercard; she is responsible for creating and implementing product commercialization strategies to drive significant growth from real time payments and b2b payments. Andrea was recently elected to the board of the US Faster Payments Council. She holds a Master of Business Administration from New York University, Leonard N. Stern School of Business with a concentration in Technology and Marketing, and a Bachelor of Arts from Bowdoin College, magna cum laude. Andrea is a board member of Girls Inc. Westchester, a not for profit with the powerful mission of empowering girls to succeed.

    Tushar Puranik

    Tushar Puranik, Managing Director, Banking and Payments Technology, Deloitte Consulting LLP

    Tushar Puranik
    Tushar Puranik Deloitte Consulting LLP Managing Director, Banking and Payments Technology

    Tushar has 20+ years of experience in leading large scale technology transformations in banking and payments. He brings a unique blend of business orientation, deep hands-on experience with technology, strong cross-functional management skills and a broad global perspective. He has been deeply engaged in major domains of a typical CIO portfolio including enterprise applications, legacy systems, infrastructure and operations, application development and IT strategy and innovation. Specific areas of his experience and engagements include: core banking and payments systems, transaction processing, cross channel sales and service, information management, data center and cloud infrastructure, risk management and compliance.

    Oscar J. Mangini

    Oscar J. Mangini, Global Partnerships & Innovation Head, Global Commercial Cards, Citi

    Oscar J. Mangini
    Oscar J. Mangini Citi Global Partnerships & Innovation Head, Global Commercial Cards

    Oscar J. Mangini is the Global Head of Partnerships & Innovation for Commercial Cards, focused on sourcing and implementing partnerships, alliances and fintech relationships on behalf of Treasury & Trade Solutions (TTS) Commercial Cards in order to drive innovation and business growth; driving collaboration with the TTS Innovation Lab and other TTS product groups; developing strategic partnerships with Consumer Cards and the consumer cards market; and serving as Business Lead on client operations business transformation initiatives. Before joining the Commercial Cards team in November of 2018, Oscar led the BIN Sponsorship team that successfully transferred more than $700 million in prepaid card deposits and hundreds of programs to Wirecard AG as part of the sale of the Citi Prepaid Business. Previously, Oscar spent four years in Tokyo, first as Head of Cards Sales & Distribution and then as President and CEO of Citi Cards Japan, a $500 million business, where he led a team of more than 750 employees in growing the consumer cards business and preparing it for sale to Sumitomo Mitsui Trust Bank. Prior to Japan, Oscar spent five years in Seoul, South Korea as Head of the Consumer Cards Product & Portfolio Division, focused on developing and successfully launching several card products following a cards platform migration. He began his career at Citi with the Global Cards team, identifying, developing and launching multi-country card partnerships outside the US. Prior to Citi, Oscar worked at MasterCard, where he focused on growing the payments business throughout Latin America, the Caribbean and other regions, including an expatriate assignment in Mexico City. He holds a BA from Rice University, MBA from NYU Stern, and an International Management Certificate from Hautes Etudes Commerciales in France. Oscar grew up in Argentina and speaks fluent Spanish, and is proficient in French.

  • 2:30pm
    Getting prepared for European-style regulation worldwide

    Wherever you go across the globe, the industry asks, will PSD2-style regulation come to the U.S. or Asia? Will consumer interchange caps cross over into commercial side of the business? Will the barriers to entry for banking continue to lower around the world, as challenger and neo-banks continue to emerge. These and other questions will be answered during the annual global regulatory roundup.

    David Harrison

    David Harrison, Founder & Director, Paysavi

    David Harrison
    David Harrison Paysavi Founder & Director

    David has over 20 years’ experience in the payments industry and was previously with a major UK Commercial Card Issuer before being asked to join Visa Europe. He held a series of leadership positions at Visa, including Head of Commercial Card Products for Large & Mid Markets, Head of Government Services, Head of European Market Development and Regulatory Workstream leader. Based in London, David established PaySavi in 2018 to deliver insights, project management, business development and research support to a range of Issuer, Acquirer, Scheme and FinTech clients in EMEA and the USA. David also works with regulators and business associations, with a focus on tackling late payments and increasing access to working capital. Based on increased demands for support on regulation, David established SaviCom to provide advisory and implementation services on PSD2, GDPR and IFR.

    Marc Pettican

    Marc Pettican, CEO Commercial Payments, Barclaycard

    Marc Pettican
    Marc Pettican Barclaycard CEO Commercial Payments

    Gregoire Toussaint

    Gregoire Toussaint, Principal, Edgar Dunn & Company

    Gregoire Toussaint
    Gregoire Toussaint Edgar Dunn & Company Principal

    Greg Toussaint is a Principal at Edgar, Dunn & Company (EDC) based in the Paris office. He has more than 14 years of consulting experience with EDC in business strategy for financial services clients in multiple Asian, European and North American countries. Greg has worked in EDC London's, Sydney's and Paris' offices and developed global perspectives on payments. He has gained extensive knowledge in mobile payments, retail payments, card products and alternative forms of payments while working for a diversity of actors in the payments space (e.g. issuing and acquiring banks, merchants, payment schemes and payment providers). In particular, Greg has developed significant expertise in the commercial payment space. Greg has worked extensively with both demand-side clients (e.g. airline sector such as IATA, hotels such as AccorHotels, rail operators such as SNCF) and supply-side clients (e.g. schemes such as UATP, issuers such as BNP Paribas or actors such as AirPlus or WEX). For instance, Greg led an extensive RFI and RFP process for IATA to select providers for IATA EasyPay (a pay-as-you-go wallet for travel agents) in more than 100 countries. Greg holds a Masters in Applied Mathematics and Computer Sciences from both Grenoble Institute of Technology in France and Barcelona Tech (UPC) in Spain.

  • 3:15pm
    Networking break

    Sponsored by:
    Cardlay

  • 3:45pm
    Opportunities in cross border payments

    An MCN’s needs for cross-border payments have always existed, and today’s commercial payments providers have responded. But the nature of business today means that it’s not just large market multinational businesses that need to transact with global businesses. The world is getting smaller for everyone, and the need to reduce payments friction for businesses of all sizes in all corners of the globe means that opportunities to serve a global constituency can only grow. How is the industry reimagining the cross-border B2B payments space?

    Steve Murphy

    Steve Murphy, Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory Group

    Steve Murphy
    Steve Murphy Mercator Advisory Group Director, Commercial and Enterprise Payments Advisory Service

    Alan Koenigsberg

    Alan Koenigsberg, SVP, Global Head of New Payment Flows, Visa Business Solutions

    Alan Koenigsberg
    Alan Koenigsberg Visa Business Solutions SVP, Global Head of New Payment Flows

    Alan Koenigsberg is global head of new payments flows for the Visa Business Solutions team. In this role, Alan is leading all aspects of commercialization of Visa B2B Connect, a unique multilateral cross- border B2B payments network, as well as opening up new payment opportunities within accounts receivable and payables space, as well as overall account-to-account B2B payments. Prior to this role, Alan was Chief Revenue Officer for Traxpay, a payments and supply chain Fintech based in Germany. During his tenure, he grew the startup to over 100 employees, playing a key role in platform development and initial go-to-market relationship building with financial institutions. Alan is an experienced payments and treasury professional who was previously Managing Director and Corporate Banking Group Executive at Bank of America Merrill Lynch (BAML).  In this role, Alan worked with global corporates to provide corporate lending and treasury management solutions to them around the world. Prior to BAML, Alan held Transaction Banking leadership roles, along with product management positions, at JPMorgan in New York and London. Prior to JPMorgan, Alan held Product Management and Operations roles at American Express. Alan holds a MBA and BS and sits on two non-profits boards in NY and LA. He has been a NACHA Payments Conference Board member and Chairman.  Alan currently resides in Los Angeles, with his spouse and two dogs.

    Bill Wardwell

    Bill Wardwell, VP, Strategy and Business Development, Bottomline Technologies

    Bill Wardwell
    Bill Wardwell Bottomline Technologies VP, Strategy and Business Development

    Bill Wardwell is responsible for leading the product and business development strategies for the Paymode-X Business Solutions team at Bottomline Technologies. He also has responsibility for creating strategic relationships with industry partners. Bill has more than 15 years experience in the technology and banking industry with a focus on business payments and working capital solutions.

    Paul Krumholz

    Paul Krumholz, Senior Product Manager, NA Commercial Cards, HSBC

    Paul Krumholz
    Paul Krumholz HSBC Senior Product Manager, NA Commercial Cards

    Paul Krumholz is the HSBC North America B2B Commercial Card Product Manager. 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.

  • 4:30pm
    Payments interrupted: a look at the evolving competitive landscape for commercial payments

    The competitive landscape for commercial payments is continuing to evolve at pace, with a number of non-traditional payment companies emerging as credible challengers. Understanding the impact that these players are having on the payments ecosystem is paramount, not only to identify and respond to competitive threats but also to identity potential partnership opportunities. This session will discuss the impact that a range of emerging competitors – from e-commerce companies, technology companies and neobanks – are having and could have in the future, as well as how the industry could respond.

    Chris Holmes

    Chris Holmes, Senior Vice President, KAE Consulting

    Chris Holmes
    Chris Holmes KAE Consulting Senior Vice President

    Chris is a Senior Vice President at KAE, the strategic marketing consultancy. 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. His specialist skills are geared to NPD, market sizing and opportunity assessments, benchmarking, and best practice identification. He also heads KAE’s FinTech practice as well as KAE’s wider marketing and business development activity. Chris holds a BSc (Hons) Business Studies degree from the Cass Business School and is also a qualified professional marketer (DipM) and a member of the Chartered Institute of Marketing (CIM). Prior to joining KAE, Chris provided market research and consultancy support on Responsible Business Practice and international development opportunities for the UK Food and Drink industry.

  • 5:15pm
    Closing reception
  • 6:15pm
    Conference closes