Adrian Garcia is a Global Sr Treasury Manager, M&A, and Corporate Cards with more than 12 years of experience in treasury operations and strategy for publicly traded firms. He’s responsible for the M&A integration efforts with a strong focus in NAM, while also leading the Corporate Card department for CBRE globally. Mr. Garcia holds a finance degree from Monterrey Tec University, and pursued business studies in Leuven, Belgium. Additionally, he finished the Harvard Manager Training Program about Leading People, Developing Employees, Difficult Interactions at Work, among other related topics. Mr. Garcia is committed to diversity, equity, and inclusion, and he actively engages in related events.

George has 20+ years of credit management experience in various positions. He has worked with American Express, Commerce Bank, Bayer Animal Health, Thermo-Fisher and currently works for Staples Promotional Products. George’s background includes Fraud Management, Chargebacks, Cash Application, Credit, Collections, New Accounts, Reporting and Forecasting. George enjoys developing high-performing teams and utilizing AI technology.

He is a dedicated and proactive finance professional with a strong background in credit management and Fraud management. An ambitious and hardworking manager who draws upon a solid base of knowledge and experience to develop new strategies and policies. Collaborates with multiple levels of a company to learn and share best practices. With a process improvement orientated mindset, seeks ways to improve productivity and efficiency.

Lizzie is the head of JPMorgan’s Commercial Card Product Strategy & Transformation function, serving the entire range of clients, from startups to enterprise. She has spent most of her career in payments strategy, consulting for Fortune 100 clients to venture-backed startups. She has led teams to define go-to-market strategies, create operating models, and ideate customer-centric offerings, among other functions. She received her MBA from Chicago Booth, and has been selected as one of 30 women future leaders in payments by Money 20/20 in 2021 and for ETA Transact’s Forty under 40 leaders of the payments industry in 2023.

Dan Gonzalez is a vice president – customer relations for the Federal Reserve’s Financial Services (FRFS) heading the FRFS National Account Program and is based out of the Federal Reserve Bank of Chicago.

Gonzalez’s responsibilities include collaborating and engaging with the payments industry to define and prioritize system improvements that advance payment speed, efficiency, and security. He has overall responsibility for the Federal Reserve’s Financial Services relationships with the top 27 financial institutions in the country, as well as payment networks and service providers. Gonzalez spent the last several years working closely with key industry participants on their efforts to establish faster and more efficient payment systems. He has over 30 years’ experience in payments, sales, marketing and management in the financial services industry.

Gonzalez is a graduate of Siena College (Loudonville, NY) and the Federal Reserve’s Business Development University. He resides in Charlotte, North Carolina.

Tracy is an experienced product executive with a proven track record of launching new payments solutions and experiences. Currently the Head of Commercial Card and Payables at TD Bank, she leads a dynamic product team responsible for delivering faster payment solutions, including RTP and small business Zelle, integrated payables and Commercial Cards. With over 20 years of experience in the payment industry, Tracy has a passion for driving results and cultivating confidence. Prior to her current role, she held positions at JPMorgan, HSBC and Bank of America. She is based in Chicago, IL.

A Senior product manager since 2016 responsible for commercial cards and e-payables at City National Bank, a fast-growing regional bank based in Los Angeles, CA. Prior product management roles in treasury management include ACH, lockbox, positive pay, online wires, account analysis, sweep and ZBAs at Opus Bank and East West Bank in California. Worked for Citigroup for over 20 years in various operations management and finance roles in multiple cities across the US and Mexico where I originally joined Citigroup. Operations management experience includes ACH, lockbox, and letters of credit. Education MBA from the ITESM (Mexico) and a BA in accounting from Universidad La Salle also in Mexico. Additional studies include the ACH – AAP and Checks-NCP Designations as well as commercial cards NAPCP credential.

Stephanie Foster, Commercial Payments Regional Manager, VP, APSC, has a wide range of banking experience over the last 18 years and has spent 9 years in the commercial card industry. Stephanie earned her bachelor’s degree from Northeastern State University in Business Administration with a focus on International Finance. Stephanie strives to put her customers first by providing continuous support as she manages a team for sales and implementation of Purchasing Cards and ePayables. Her team focuses on consulting and tailoring the products to best fit each client’s needs. By specializing in Commercial Payments solutions, Stephanie and her team help clients gain efficiencies and aim to transform Accounts Payable and Purchasing departments into profit centers. She resides in Tulsa, Oklahoma.

Heather Fraser is a distinguished professional in the commercial payments sector, renowned for her expertise in commercial card payments and core payables solutions. With a career spanning over two decades, Heather has made significant contributions to the financial industry, particularly in the areas of account leadership and sales management.Heather began her career with a strong foundation in financial services, quickly establishing herself as a knowledgeable and reliable expert in commercial payments. Her keen understanding of the complexities of payables solutions allowed her to excel in various roles, where she consistently delivered innovative strategies to optimize financial operations for her clients.Throughout her career, Heather has held pivotal positions with leading financial institutions, where she demonstrated her ability to drive growth and enhance client relationships. Her strategic insights and leadership skills have been instrumental in developing and implementing solutions that meet the evolving needs of businesses in the commercial sector.In addition to her work with financial institutions, Heather has extensive experience from her time at MasterCard, where she further honed her expertise in commercial payments. Her contributions at MasterCard have been marked by her ability to navigate the dynamic landscape of financial technology, ensuring that clients have access to cutting-edge solutions that streamline their payables processes.Heather’s dedication to excellence and her passion for the financial industry have earned her a reputation as a trusted advisor and leader. Her commitment to staying at the forefront of industry trends and her ability to adapt to changing market conditions have been key to her success.

Joining Commerce Bank in 2013, Jason brings 20 years of experience in the Accounts Payable Automation industry. With insight regarding both the user’s and the provider’s perspective, Jason leads the National Solution Consulting Team for Commerce Bank, a team that works directly with clients in various industries to determine where efficiencies would be gained and cost savings realized in their accounts payable process. In addition to leading the team, Jason continues to work with clients to analyze current AP processes while establishing strategic goals and outlining the steps and best practices required to automate and digitize processes within AP. He also works to arm businesses with comprehensive ROI justifications through inclusive payments strategies.

Bill has spent over 40 years in the commercial card industry.  He currently leads the Commercial Card team at Sunflower Bank and began his career with Diners Club supporting the bank’s largest card clients.  He spearheaded U.S. Bank’s formation of their field-based implementation/account management structure. At JPMorgan, his client beta tested the first internet-based reporting solution. In London, he assisted in Bank of America’s launch of the bank’s multi-currency global card platform. At MUFG Union Bank, he was on the team to launch their commercial card program and then managed the bank’s sales, implementation and account management teams.  He was most recently at Texas Capital Bank where he brought the commercial card program in house and grew it to a $700 million run rate in 4 years.

Maria is the Head of Customer Engagement, Portfolio Management & Commercial Card at FNBO, where she leads a dynamic team dedicated to optimizing commercial payments programs for organizations seeking to streamline their accounts payables processes, reduce risk and maximize cash flow.With a focus on creating a best-in-class customer experience, Maria collaborates closely with her team and FNBO professionals who share her commitment to excellence. Her approach is client-centric, ensuring that each engagement is tailored to meet the unique needs of FNBO’s diverse customer base. Maria’s expertise extends to portfolio management, where she oversees the strategic growth and sustainability of commercial payments portfolios, ensuring they align with the evolving needs of the market and FNBO’s clients.Before assuming her current role, Maria served as the Head of Account Management at FNBO, where she honed her skills in client relationship management, portfolio oversight and delivering a successful commercial card strategy. Her extensive experience also includes roles overseeing Supplier Recruitment, Strategy, and Partnerships at leading financial institutions, where she was responsible for driving supplier engagement and creating mutually beneficial partnerships.Early in her career, Maria gained valuable experience in human resources and account payable, which has equipped her with a deep understanding of business operations and the ability to engage with clients of all sizes effectively. She holds a degree in Business Administration from the University of Arizona and is an active member of professional organizations such as NAPCP, AFP, and IOFM.Outside of work, Maria is passionate about spending quality time with her friends and family. She cherishes moments with loved ones. Maria also has a love for travel and enjoys capturing the beauty of new destinations through her camera lens.

Business development and sales, product management and international business executive with over 30 years of payments / card / treasury management experience with an emphasis on product management and sales. Michele is a seasoned leader with extensive knowledge and experience in product development, product management, C-level sales and business development, with a strong knowledge of relationship building, direct marketing, operations and market research. Michele currently works for Western Alliance Bank, a commercial bank in the southwestern U.S. and has responsibility for their card-related products and services.

Chaps Poduri covers commercial payments in his role as Director at Bank of America. His tenure with BofA spans more than a decade. Prior to BofA, Chaps has worked in the technology industry as a Program Manager serving city, state and federal governments. Chaps has a Masters Degree in Computer Sciences, is active in his local community and lives with his family in California.

Ray joined Webster Bank in 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 JPMorgan, WEX, HSBC, and Citizens spanning credit, debit, prepaid, cobrand, and commercial card portfolios.

Paul Krumholz leads Commercial Card Product Management for HSBC in the US. 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 across a range of applications, he has expertise in supplier enablement/supplier enrollment/vendor analysis for B2B Card programs. Prior to Citi, Paul had a career as an officer in the United States Navy.

Nancy Butler has over 30 years of experience in the commercial payments industry; including both Citigroup and BMO Harris Bank. 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 four 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.

Cheri Hansen, Commercial Payments Regional Manager, VP, CPCP, has over 35 years of banking and commercial card experience. Cheri’s leadership of the Commercial Payments team has history of business development, product expertise and portfolio management for commercial card payments solutions. With a focus on cultivating relationships they provide solutions to streamline the payment process, increase efficiencies and maximize return. Since joining Arvest in April of 2011, Cheri has dedicated herself to leading, developing, implementing, and expanding Commercial Card programs and relationships with her clients. She completed the IOCP purchasing card certification, joining others across the nation as being CPCP certified. Cheri graduated from Southern Nazarene University in Bethany, Oklahoma with a Bachelor’s Degree and resides in Oklahoma City, OK. Arvest Bank, Arvest Credit Card Division and experts like Cheri, view themselves as Strategic Partners for businesses and their Commercial Card Programs.

Arthur Weiner is an accomplished payments industry leader with more than 30 years of successfully bringing products to market for leading global companies, including Citibank, Mastercard, US Bank, Fifth Third Bank and Verisk Financial. Arthur is currently the Owner and Principal Consultant at N Brook Advisors, LLC. His consulting practice focuses on B2B payments assisting clients with product development, Go-to-Market planning and execution, product roadmap development and market research.

Frank founded Windward Strategy, Inc. in 2020 to provide strategy consulting and M&A advisory in B2B payments. Windward works with networks, banks, fintechs, PEs, and corporates to achieve their B2B payments objectives.

Rob Snyder is a Senior Vice President of Business Development at CSI/Edenred focusing on developing long-term partnerships with financial institutions that leverage CSI’s Integrated Payables platform. Rob’s experience in B2B Payments started 10 plus years ago at Mastercard where he led an internal strategy group within Commercial Product working with Mastercard Issuers to develop vertical and category expansion strategies for Virtual Card and Integrated Payables. As an independent consultant Rob has provided both strategic input and sales support to both large Management Consulting firms and several B2B payment providers. Just prior to joining CSI, Rob spent four years on the Accounts Receivable side of payments heading up Relationship Management at CheckAlt, a leading Integrated Receivables provider. Rob resides in the suburbs of NYC with his wife and 8 children.

Doug Farren is the Managing director of the National Center for the Middle Market at The Ohio State University Fisher College of Business. In his role, he leads the day-to-day operations of the Center, which include research, corporate outreach, and student activities in addition to long-range strategic planning and sponsor stewardship. Prior to launching the NCMM in 2011, he spent 10 years with LBrands, where he worked in various roles including Supply Chain Planning, Distribution Center Operations, and Financial Planning and Analysis supporting brands such as Victoria’s Secret and Bath and Body Works . Farren started with LBrands as a summer intern while completing his MBA in Operations and Logistics Management at Fisher.

Farren’s previous experience includes business management for Six Sigma Qualtec, a process improvement consulting firm based on Scottsdale, Arizona. His primary functions included marketing strategy and on-site training and implementation. As part of his responsibilities, he was certified in 1998 as a Six Sigma Black Belt in Transactional Quality. Farren attended Penn State University, where he earned a Bachelor of Science with a focus on business management and was a member of the football program as an athlete and student assistant coach.

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.

Shawn Thomas is the Senior Director for Global B2B Acceptance for VISA Business Solutions.   He has worked in the payment card industry for over 16 years across multiple networks and always in the B2B payment space.   He leads a team of Directors whose focus is to expand acceptance with B2B merchants across support North America, Latin America, Asia Pacific and European regions.  The team works with the largest B2B merchants to increase acceptance and deepen relationship with the B2B payments landscape.

Prior to this role Shawn led a team  in the healthcare vertical at American Express that managed the B2B payment systems for the largest hospitals buyers in the US.  In addition to managing complex buyer payment solutions, he has experience in B2B supplier enablement as well as managing strategic B2B merchant relationships.

Shawn works in the Chicago area and has an MBA in International Business from Butler University.  He has presented at numerous customer and industry forums and has a wealth of knowledge around the entire Procure to Pay process.

Erica Korngut is the VP of Digital Products and Design for Mastercard Commercial Solutions, focusing on optimizing and delivering commercial products with web and mobile digital experiences. With 15 years of payments and product management experience, Erica has a passion delivering products that promote automation and delight customers. Prior to joining the Commercial Solutions team, Erica led the Onboarding Experience Product team for Consumer Solutions Digital Payments at Mastercard, launching web based applications that provided self service to customers. Erica resides in New York City and when she isn’t working, she is busy captaining and playing on tennis and soccer teams in the area.

Andrea is a top-producing business development, strategy, and sales executive with a proven track record of growing business across commercial client segments. With over 20 years of experience in the payments technology industry, she has served in North America and Latin America Markets, accountable for sales, account management, and client experience. Andrea joined Boost Payment Solutions in 2021 as Chief of Staff to the Founder and CEO, driving strategic initiatives and relationships. Now in the Business Development organization, Andrea partners with commercial card issuers and partners to grow their card programs. Prior to Boost she spent over 20 years at Mastercard, where in addition to her roles in sales and experience management, Andrea served as the global lead for the Mastercard Women in Technology program, focused on developing the enterprise strategy to grow Women in Tech partnerships, support talent recruitment, and drive employee development efforts. In her spare time, you can find Andrea on the golf course or spending time with family outdoors.

Ed is Head of product at Codat, a global fintech empowering banks to build deeper connections with their customers.  Prior to Codat, Ed has experience across financial services & technology as a product leader, a founder & a corporate lawyer.

Felipe Lopez joined Mastercard in 2016 to lead the development of Global B2B Partnerships, working across a variety of industries including Consumer Packaged Goods, Insurance, and Business Platforms. He is a performance-driven executive with over 25 years of international experience in payments, analytics, and strategic partnerships across North America, Asia Pacific, and Latin America. Felipe is passionate about innovation and building long-term relationships with industry leaders, partners, and fintechs to eliminate inefficiencies and unlock untapped opportunities. Prior to Mastercard, Felipe held executive roles at global financial institutions, focusing on product development, sales, and marketing analytics.