Agenda
Digital payments are accelerating in mid-market transactions. SMB companies across the US are going big on digital, from real-time services, virtual cards and mobile payments to cryptocurrencies and digital dollars. The growth of digital payments, accelerated by the pandemic, has propelled expansion and investment in a fintech industry that is taking a share of transaction revenues and disrupting bank commercial card models. Yet the market is not without headwinds, not least in transitioning legacy paper invoice and check systems, or secure alternatives to batch ACH and SWIFT, that still dominate B2B payments. At this year’s CPI Mid Markets Summit we look at the acceleration of digital through the payments value chain and the verticals they serve, and predict the outcomes for the market into 2023 and beyond.
Welcome address
Mid-market economy: return, revival and rates
We begin with research into the growth of the mid-market in the post pandemic environment, the changing business landscape and new risks for firms in the mid-market segment, taking into account the impact of rising inflation and rate elevation on mid-market firms, and the challenges and opportunities for the B2B payment sector now.
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Douglas Farren
Managing Director, National Center for the Middle Market
Douglas Farren
Managing Director, National Center for the Middle Market
June 14th 2022-
09:15am -10:00amMid-market economy: return, revival and rates
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.
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Leigh Hocker Radtke
Vice president, Head of North America product, Visa Business Solutions, Visa
Leigh Hocker Radtke
Vice president, Head of North America product, Visa Business Solutions, Visa
June 14th 2022-
09:15am -10:00amMid-market economy: return, revival and rates
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02:45pm -3:30pmDeveloping commercial card programs for the mid-market
Leigh Radtke is the Head of North America Product for Visa Business Solutions. Visa Business Solutions brings to life innovative payment products and solutions for Visa’s clients and partners to help businesses and organizations of all sizes and industries grow and thrive.
Since joining Visa in 2011, Leigh has held business executive roles in Commercial Prepaid, B2B Product and Client Services. Prior to joining Visa, Leigh led Strategy, Product Management and Business Development roles 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 area with her husband Mark and three Labrador retrievers, Nash, Takoda and Talulah.
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Moderator
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Arthur Weiner
Principal Consultant, N Brook Advisors
Arthur Weiner
Principal Consultant, N Brook Advisors
June 15th 2022-
12:00pm -12:30pmTable discussion groups
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.
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Survey presentation: commercial card use in the mid-market
In this annual survey by RPMG, we track the spend trends across the commercial card spectrum, analyse sectors, verticals, markets and payment products to garner insights into how the commercial card market will play out in the year ahead. The session will feature an in-depth presentation, moderated discussion and Q&A.
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Dr Richard Palmer
President, RPMG Research Corp.
Dr Richard Palmer
President, RPMG Research Corp.
June 14th 2022-
10:00am -10:45amSurvey presentation: commercial card use in the mid-market
Richard Palmer, Ph.D., CPA, CMA is a Senior Lecturer at the Olin Business School at Washington University in St. Louis. Prior to academic work, he held management positions in both public accounting and the banking industry. Richard is one of the world’s leading experts on business and government applications of commercial card payment technology. His research has been quoted in U.S. Senate hearings, the Wall Street Journal, ABC News Good Morning America, Business Week, CNN Money, and CBS News MarketWatch, among others. His publications include numerous academic and practice-oriented journals, including the Journal of Accountancy, CPA Journal, Treasury and Risk, Journal of Payment Systems and Strategy, Defense Acquisition Review, and Journal of Emerging Technologies in Accounting.His most notable contribution to the commercial card world is as the co-creator of Purchasing Card, Travel Card, and Virtual Card benchmark surveys, efforts that have included every major card issuer and over eight thousand commercial card-using organizations since 1998.
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Moderator
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Arthur Weiner
Principal Consultant, N Brook Advisors
Arthur Weiner
Principal Consultant, N Brook Advisors
June 15th 2022-
12:00pm -12:30pmTable discussion groups
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.
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Networking and refreshment break
Growth verticals in B2B and the return of T&E
Travel and expense spending has already returned to US domestic markets with airlines experiencing increased business travel so how are mid-market banks now developing T&E products and programs for this revival? In parallel, B2B spending saw exponential growth during the pandemic – will this growth be sustained and what are the risks to card market revenue in this sector? Fast growing verticals including healthcare, education, government procurements and payments have all been identified as ripe for card market expansion. How are card programs and products in mid-market banks gearing for growth in these sectors?
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Tony Yazzolino
SVP Commercial Card Director, Umpqua Bank
Tony Yazzolino
SVP Commercial Card Director, Umpqua Bank
June 14th 2022-
11:15am -12:00pmGrowth verticals in B2B and the return of T&E
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12:00pm -12:30pmTable discussion groups
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02:45pm -3:30pmDeveloping commercial card programs for the mid-market
Tony leads the Umpqua Bank Commercial Card sales, support, and supplier enablement teams as well as our merchant services partnership with WorldPay. Tony also co-leads Umpqua Bank’s cross functional payments council to help explore new and developing consumer and business payments. Tony came to Umpqua Bank through the Sterling Bank merger in 2014 and has been with the combined companies since 2004 leading and growing the bank’s card based payments business. Tony began his career in 1992 with West One Bank and has held various roles at US Bank, Wells Fargo, and local community banks and has 25+ years of experience in payments, cards, and acquiring business lines. A graduate of University of Oregon, Northwest Intermediate Banking School, and the ABA School of Bankcard Management, Tony lives in Portland Oregon with his wife and 3 daughters. He serves as Treasurer of Eastside Portland Lacrosse, coaches youth volleyball and is an avid Oregon Ducks fan.
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William Kniering
SVP Head of Commercial Card, Texas Capital Bank
William Kniering
SVP Head of Commercial Card, Texas Capital Bank
June 14th 2022-
11:15am -12:00pmGrowth verticals in B2B and the return of T&E
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12:00pm -12:30pmTable discussion groups
Bill Kniering joined Texas Capital Bank in 2019 and currently serves as a Senior Vice President and Head of Commercial Card. In this role, Bill led the team that developed and launched the bank’s commercial card platform. He is responsible for the commercial card business line. Bill has spent over 37 years in the commercial card market. He began his career with Citicorp Diners Club in Denver before moving to Connecticut to support the bank’s largest card clients including IBM and United Technologies. He then joined US Bank and spearheaded the formation of the bank’s field-based implementation/account management structure. He moved to Dallas with startup First USA which was ultimately acquired by JPMorgan Chase. There he worked with one of his clients to beta test the first internet-based reporting solution for the commercial card industry. At Bank of America, he worked onsite in London to launch the bank’s multi-currency global card platform. He was most recently at MUFG Union Bank where he was on the team to stand up their commercial card program and then managed the bank’s sales, implementation and account management teams.
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Jonasz Bala
Business Development Manager, Conferma Pay
Jonasz Bala
Business Development Manager, Conferma Pay
June 14th 2022-
11:15am -12:00pmGrowth verticals in B2B and the return of T&E
Jonasz specializes in cultivating virtual commercial card programs across Private and Public sectors. Having previously worked for a Global TMC, Jonasz possesses extensive knowledge of the travel industry, as well as the associated benefits of adopting virtual cards as a form of payment for all business expenditure. Jonasz works in close partnership with Visa Business Solutions, helping organizations elevate their commercial card programs by leveraging new innovative digital payment products and practices.
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Moderator
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Steve Murphy
Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory Group
Steve Murphy
Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory Group
June 15th 2022-
12:00pm -12:30pmTable discussion groups
Steve is 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.
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Integrated payables solutions
Integrating the coexistence of multiple ePayable solutions – card, ACH, ACH+ and RTP in a holistic and integrated suite of solutions for commercial clients at the point of need is now a focus for bank issuers. The development of products and applications in the integrated payments complex for the appropriate transactions at the optimal price point requires deep product expertise and market focus. In this session product leaders walk through their strategies for integrated payables.
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Ray Champ
Senior Vice President - Head of Commercial Products, Citizens Bank
Ray Champ
Senior Vice President - Head of Commercial Products, Citizens Bank
June 14th 2022-
12:00pm -12:45pmIntegrated payables solutions
Ray joined Citizens Financial group in December 2017 and 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. Ray lives in Connecticut with his wife and 2 daughters.
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Heather Fraser
Executive Director, J.P. Morgan Chase & Co.
Heather Fraser
Executive Director, J.P. Morgan Chase & Co.
June 14th 2022-
12:00pm -12:45pmIntegrated payables solutions
I have an extensive career in Commercial Card payments having worked with MasterCard and other financial institutions throughout my career. My position as Payables Product Specialist has given me the opportunity to consult with organizations of all sizes and allowed me to share my experiences and insights to help them achieve their objectives.
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Moderator
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Steve Murphy
Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory Group
Steve Murphy
Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory Group
June 15th 2022-
12:00pm -12:30pmTable discussion groups
Steve is 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.
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Lunch
Fintech partnerships and payments-as-a-service (PaaS)
If it is accurate that 1 in 5 venture capital dollars is in fintech and 1 in 4 fintech dollars is in payments then it is easy to see why fintech partnerships are critical to growth. Developing fintech partnerships to grow market share and reduce transaction costs, whilst sustaining revenue models is a challenging task for bank issuers. Dynamics in new commercial card programs, including margin compression, compliance and credit issues, issuer profitability, and bank/fintech/client models in the new payments complex, all require careful navigation in product development. The panel will discuss these dynamics in partnerships and also consider the future of the ‘bank pays’ model in payments software development and the rise of PaaS models in the market.
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Tammy Trilli
SVP Head of Commercial Card, First National Bank of Omaha
Tammy Trilli
SVP Head of Commercial Card, First National Bank of Omaha
June 14th 2022-
01:45pm -2:30pmFintech partnerships and payments-as-a-service (PaaS)
Tammy Trilli is the SVP, Head of Commercial Payments for FNBO leading an organization focused on money movement across all modalities: Commercial Card, Merchant Services, Global/FX, Centime Cashflow Management, Product Development and Treasury. She has been with the bank for the last 16 months after spending 10 years at J.P. Morgan Chase and 20 years at American Express. Tammy serves on the American Cancer Society Board of Omaha and is a member of Chief. She resides in the Chicago land area however spends most of her time in Omaha with her team and colleagues.
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Bradley Matthews
SVP, Head of Product Management and Marketing - Middle Market, U.S. Bank
Bradley Matthews
SVP, Head of Product Management and Marketing - Middle Market, U.S. Bank
June 14th 2022-
01:45pm -2:30pmFintech partnerships and payments-as-a-service (PaaS)
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. Bradley 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.
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Moderator
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Frank B. Martien
Managing Partner, Windward Strategy, Inc.
Frank B. Martien
Managing Partner, Windward Strategy, Inc.
June 15th 2022-
12:00pm -12:30pmTable discussion groups
Frank commenced his post-MBA career in 1996 with First Annapolis Consulting (“FA”) 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. Frank founded Windward Strategy, Inc. in October 2020 to provide strategy consulting in B2B payments.
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AP/AR automation: accelerating process change
Some bankers said that their phones were ringing off the hook from clients who just could not process their invoices and receivables quickly enough during the pandemic. Now the focus is on identifying the solutions to AP/AR optimisation, implementing and resourcing positive process change and harnessing technologies to transform systems and automate processes for buyers and suppliers. Our experts from banks and networks lead the way.
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Tyler Sisneros
SVP, Director of Treasury and Digital Banking, Century Bank
Tyler Sisneros
SVP, Director of Treasury and Digital Banking, Century Bank
June 14th 2022-
02:30pm -3:15pmAP/AR automation: accelerating process change
Tyler has been the Director of Treasury Management and Digital Banking at Century Bank since September 2020. in that time he’s focused on transforming the community banks treasury landscape. Prior to this he spent 14 years with Wells Fargo. Tyler has been in the financial services industry for 16 years. His background includes roles ranging from personal financial planning to corporate and wholesale cash management consulting. Over the past 12 year he has focused on treasury and payments, advising some of the largest and most complex organizations in both the public and private sector. Tyler has been sought out as a speaker at Treasury and Public Sector Industry conferences in New Mexico, Arizona and California to speak on topics ranging from risk management to cash management automation. He is designated a Certified Treasury Professional (CTP) by the Association of Financial Professionals. Tyler and his family reside in Albuquerque with his wife and 3 children
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Jenny Carlson
Head of U.S. Regional Issuer Sales, Large & Middle Market Business Solutions, Visa
Jenny Carlson
Head of U.S. Regional Issuer Sales, Large & Middle Market Business Solutions, Visa
June 14th 2022-
02:30pm -3:15pmAP/AR automation: accelerating process change
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12:00pm -12:30pmTable discussion groups
Jenny Carlson leads US Regional Issuer Sales for Large & Middle Market Business Solutions. In this role, Jenny enables Visa’s 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. Jenny currently resides in Phoenix, Arizona. Outside of the virtual office, she enjoys playing tennis, listening to live music, and supporting ASU Athletics.
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Viviane Sabat
VP Product Development, Mastercard
Viviane Sabat
VP Product Development, Mastercard
June 14th 2022-
02:30pm -3:15pmAP/AR automation: accelerating process change
Viviane Sabat is the Vice President of B2B Product Management at Mastercard. In this role, she oversees several products, such as Mastercard Track, Straight Through Processing, Supply Chain Financing, and commercial interchange. She previously led the company’s real time payments application strategy. Before joining Mastercard, Viviane spent several years at American Express, where she worked across many Product functions, including small business lending & corporate payments. She also has a background in procurement, operations & technology. Viviane received a BS from Northwestern University & an MBA from University of Chicago Booth School of Business.
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Frank B. Martien
Managing Partner, Windward Strategy, Inc.
Frank B. Martien
Managing Partner, Windward Strategy, Inc.
June 15th 2022-
12:00pm -12:30pmTable discussion groups
Frank commenced his post-MBA career in 1996 with First Annapolis Consulting (“FA”) 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. Frank founded Windward Strategy, Inc. in October 2020 to provide strategy consulting in B2B payments.
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Networking and refreshment break
Cryptocurrencies and the era of the digital dollar in US markets
The development of the Federal Reserve Bank digital currency (CBDC) is under consultation, and could have far reaching implications for US domestic payments and cross border transactions in B2B markets if implemented. Biden’s executive order earlier this year, also signalled the review and regulation of private crypto assets and markets in the US. Given the heightened risks with cryptocurrencies, including sanctions and crime, how will CBDCs ‘solve’ these issues or stabilise markets? In this session experts discuss use cases for CBDCs and stablecoins and discuss their application in commercial credit and lending markets, including card markets.
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Tim Mills
Regions Digital, SVP, Emerging and Digital Payments Group Manager, Regions Bank
Tim Mills
Regions Digital, SVP, Emerging and Digital Payments Group Manager, Regions Bank
June 14th 2022-
03:45pm -4:30pmCryptocurrencies and the era of the digital dollar in US markets
Timothy Mills is a Senior Vice President of Emerging and Digital Payments at Regions Bank. In his role, Tim is responsible for developing, coordinating and the bank’s emerging and digital payments strategy. During his 20+ year career, Tim has gained extensive experience working with financial institutions of all sizes and non-financial institutions on payments strategy, compliance and emerging payments.
In addition to his work domestically, Tim has consulted with several Central Banks on payments modernization, including the Central Banks of Bangladesh and Trinidad and Tobago Bangladesh.
Tim started his career managing training and education for payment associations in the Midwest. Most recently, he served as a Vice President with The Clearing House where he held positions in business development, association services and product management.
Tim has served as a member of the National Automated Clearing House Association’s (Nacha) Payments Institute Board of Regents, Risk Management Advisory Group (RMAG) and Payments Conference Planning Committee. He currently serves on the Board of Directors for Nacha, The Clearing House Payments Association and Southern Financial Exchange. Tim has been a frequent speaker at conferences and payments related functions and is widely recognized for his payment expertise.
Mr. Mills is an alumnus of Kutztown University and The Ohio State University.
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Ricardo Correia
Head of Digital Currencies, R3
Ricardo Correia
Head of Digital Currencies, R3
June 14th 2022-
03:45pm -4:30pmCryptocurrencies and the era of the digital dollar in US markets
Ricardo is the global head of Digital Currencies at R3 with a focus on CBDCs and Stablecoins. He and his team manage a DC working group and Sandbox with members from across both the public and private sectors. He initially served as head of APAC at R3 and then spent 3 years as global head of Partnerships, building a network of 300+ partners who develop solutions and offer services on Corda. Prior to joining R3 Ricardo worked with the Commonwealth Bank of Australia, Accenture, and Avanade in senior technology and leadership positions. He’s co-founded 2 high-tech startups and has spent the last 20 years commercializing early-stage, emerging technologies.
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Moderator
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Steve Murphy
Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory Group
Steve Murphy
Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory Group
June 15th 2022-
12:00pm -12:30pmTable discussion groups
Steve is 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.
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FedNow Update
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Erik T Van Bramer
Senior Vice President and National Sales Director, Federal Reserve Bank of Chicago
Erik T Van Bramer
Senior Vice President and National Sales Director, Federal Reserve Bank of Chicago
June 14th 2022-
04:30pm -4:50pmFedNow Update
Erik 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.
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Moderator
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Steve Murphy
Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory Group
Steve Murphy
Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory Group
June 15th 2022-
12:00pm -12:30pmTable discussion groups
Steve is 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.
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Consumerization of B2B payments
The consumerization of B2B payments is emerging rapidly. As consumers demand seamless digital payment experiences, financial institutions are enhancing user-experiences and context-rich digital capabilities, including integrated digital payments, convergence of card and non-card experiences, real-time transfers, and new RTP and FedNow services. Cryptocurrencies, and the emergence of AI to create smarter, frictionless banking, are also evolving trends. Middle-market organizations might ask how the emerging consumer digital payments landscape will influence their products now and in the future. In this session we share what we are learning from financial institutions and merchants to deliver next generation mid-market payments capabilities for their businesses.
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Rajeev Yerukalapudi
VP, Product Management, Fiserv
Rajeev Yerukalapudi
VP, Product Management, Fiserv
June 14th 2022-
04:50pm -5:30pmConsumerization of B2B payments
Rajeev leads the credit credit business at Fiserv, focused on mid-market & community Fis. This entails consumer, small business, commercial & private label products.
Rajeev has spent the last 11 years serving in a variety of digital product leadership roles in FinTech space. He assumed this role ~2 years ago and prior to that he was at First Data for ~ 2 years leading digital cardholder experience & API strategy for credit on Optis platform for the large issuers. Rajeev joins Fiserv from American Express, New York where he spent about 5 years overseeing various digital experiences & products including digital acquisition, loyalty & personalization, Prior to that, he spent ~ 5 years between Mastercard & Thomson Reuters, based in New York, leading several product initiatives, including MasterPass, an API based white-label digital wallet.
Rajeev holds an MBA from Boston University and B Tech in electrical from India. He resides in NYC with his wife and a dog.
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Tim Ruhe
VP, Payment Strategy and Partnerships, Fiserv Digital Payment Solutions
Tim Ruhe
VP, Payment Strategy and Partnerships, Fiserv Digital Payment Solutions
June 14th 2022-
04:50pm -5:30pmConsumerization of B2B payments
As Fiserv’s VP of Digital Payment Strategy and Partnerships, Tim is responsible for Fiserv’s enterprise approach to real-time payments across Fiserv products and lines of business. This includes Fiserv’s strategy and solutions for enabling real-time capabilities for financial institutions, billers, and businesses across all Fiserv FI payment services, from core integration, p2p payments, to billpay, to commercial payments and beyond. Tim also manages our partnerships with the leading real-time networks, including The Clearing House, FedNow.
Prior to his current role at, Tim led several other product innovation initiatives at Fiserv, including person to person payments, integrated payments, and mobile banking.
Prior to joining Fiserv, Tim held various product leadership positions at CheckFree, Corillian, and several early-stage technology companies.
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Networking Reception
Welcome address
Fintech focus
In this high energy session, innovative payment fintechs take to our stage to showcase their product offer to the mid-market payments sector, followed by quickfire delegate Q&A.
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Andrew Jamison
CEO & Co-Founder, Extend
Andrew Jamison
CEO & Co-Founder, Extend
June 15th 2022-
09:05am -10:00amFintech focus
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12:00pm -12:30pmTable discussion groups
Andrew 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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Karen Mays
Manager, National Accounts, Yojna
Karen Mays
Manager, National Accounts, Yojna
June 15th 2022-
09:05am -10:00amFintech focus
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.
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Michelle Yee
Chief Business Development Officer, Deserve
Michelle Yee
Chief Business Development Officer, Deserve
June 15th 2022-
09:05am -10:00amFintech focus
Michelle Yee is Deserve’s Chief Business Development Officer, responsible for partnering with customers for their consumer and commercial credit card programs. Deserve provides a comprehensive, digital-first credit card platform for financial institutions, fintechs, crypto companies, and brands. Some of Deserve’s customers include Sallie Mae, Customers Bank, BlockFi, and TrueBill (a Rocket Company). Prior to Deserve, Michelle led the business development efforts for other lending fintechs, including Zest.ai and Tala, as well as other global technology companies, including Amazon and Yahoo! Michelle holds an MBA from Harvard Business School and BA in Economics from UCLA.
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Matthew Miller
Senior Vice President, National Client Partnerships, Viewpost
Matthew Miller
Senior Vice President, National Client Partnerships, Viewpost
June 15th 2022-
09:05am -10:00amFintech focus
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Moderator
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Frank B. Martien
Managing Partner, Windward Strategy, Inc.
Frank B. Martien
Managing Partner, Windward Strategy, Inc.
June 15th 2022-
12:00pm -12:30pmTable discussion groups
Frank commenced his post-MBA career in 1996 with First Annapolis Consulting (“FA”) 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. Frank founded Windward Strategy, Inc. in October 2020 to provide strategy consulting in B2B payments.
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Buyers and suppliers: creating win-win relationships
Negotiating optimal pricing solutions is critical in a market where the challenging issue for merchants has traditionally been the cost of acceptance. Modelling buyer-supplier commercial card program relationships where both parties benefit over alternative payment methods, creating a rate relationship that gives flexibility to the merchant and buyer, as well as delivering working capital and supplier finance solutions, is a win-win outcome for all.
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Stephen Cohen
SVP, Boost Payment Solutions
Stephen Cohen
SVP, Boost Payment Solutions
June 15th 2022-
10:00am -10:45amBuyers and suppliers: creating win-win relationships
Stephen Cohen is Senior Vice President of Boost Payment Solutions, the only acquirer in the United States focused exclusively on business-to-business electronic payments. In his role at Boost, Stephen is a key player in business development and strategic business activities for the company and manages relationships with commercial card issuers, middleware players and large corporate customers where he works with both Accounts Payable and Accounts Receivable teams to optimize commercial card acceptance. Prior to joining Boost in 2010, Stephen was the founder, president and CEO of Brillian Technologies, LLC, a provider of wireless payment technologies and other innovative solutions to the restaurant and hospitality industries. Prior to Brillian, he was a founder and COO of Fastcorp, the leading ice cream vending machine manufacturer in the world. Mr. Cohen began his career as a management consultant at Bain & Co after receiving dual degrees from The University of Pennsylvania and The Wharton School of Business in Philadelphia, PA.
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Harry Harnett
SVP and Group Product Manager, Commercial Card Technology & Fintech Business Strategy, PNC Financial Services Group
Harry Harnett
SVP and Group Product Manager, Commercial Card Technology & Fintech Business Strategy, PNC Financial Services Group
June 15th 2022-
10:00am -10:45amBuyers and suppliers: creating win-win relationships
Harry joined PNC in October 2021 and is an SVP and Group Product Manager leading the Commercial Card Technology & Fintech Business Strategy organization.
Harry is a performance driven Treasury Management executive with over 25 years of proven history leading diverse cross functional teams. Accomplished product architect in the Commercial Card and Payments industry, with a history of success in delivering solutions to market. Recognized for increasing automation, efficiency, and improving client experiences in the Treasury Management space. Harry also served as a Captain in the U.S. Marine Corps for 8 years.
Harry resides in Birmingham, Alabama with his wife, and has a daughter who is a Captain in the U.S. Air Force and son who is a Commercial Banker for Synovus.
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Moderator
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Frank B. Martien
Managing Partner, Windward Strategy, Inc.
Frank B. Martien
Managing Partner, Windward Strategy, Inc.
June 15th 2022-
12:00pm -12:30pmTable discussion groups
Frank commenced his post-MBA career in 1996 with First Annapolis Consulting (“FA”) 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. Frank founded Windward Strategy, Inc. in October 2020 to provide strategy consulting in B2B payments.
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Open finance and embedded payments innovation for the mid-market
In this session we explore the benefits of ‘open finance’ and what it potentially means for mid-market banks and their clients, in terms of product development, data sharing and account aggregation. In parallel, payment leaders will also discuss the rise of non-financials in payments markets embedding transactions in services and the challenges and opportunities for payment processors and banking partners as these markets evolve.
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Sheelu Jain
VP Product Strategy, Mastercard
Sheelu Jain
VP Product Strategy, Mastercard
June 15th 2022-
10:45am -11:30amOpen finance and embedded payments innovation for the mid-market
Sheelu Jain is a Vice President within US Commercial Product & Sales organization at Mastercard. Sheelu leads US Commercial Strategy and Strategic Partnerships, and is responsible for growing Mid-to Large-Market Commercial business with a focus on modernizing B2B payments. Previously, Sheelu led development of products within Mastercard Track product suite to help create efficiencies for business users by simplifying and automating the exchange of payments data between buyers and suppliers. Prior to that, Sheelu developed go to market strategies for digital and loyalty products at Mastercard. Sheelu has 15+ years of experience in financial services across Commercial, Digital and Consumer segments. Prior to joining Mastercard, Sheelu worked at American Express in multiple product roles. She led development of products focused on SMB and Affluent consumers, and led customer acquisition strategies for ecommerce and lodging partnerships at American Express. Sheelu holds a MBA from University of Chicago Booth School of Business, and Masters in Computer Science from University of Southern California.
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Luis Gerardo Silva
VP, Digital Partnerships, Mastercard
Luis Gerardo Silva
VP, Digital Partnerships, Mastercard
June 15th 2022-
10:45am -11:30amOpen finance and embedded payments innovation for the mid-market
Luis Silva is vice president of Digital Partnerships at Mastercard. In his role, Luis leads Mastercard’s relationships with Crypto and Digital Assets, SMB and Commercial Fintechs, Creator economy, and Fintech enablers. Since joining Mastercard in 2016, Luis has driven innovation for the company and industry by developing effective go-to-market strategies for Mastercard’s products and services in North America that are shaping the future of commerce. Prior to joining Mastercard, Luis held positions at Cogniance, Accenture, and co-founded startups in Venezuela. Luis holds an MBA from Babson College and a bachelor’s in Production Engineering from Universidad Simón Bolívar in Caracas, Venezuela.
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Bill Wittress
Executive Vice President of Business Development, Transcard
Bill Wittress
Executive Vice President of Business Development, Transcard
June 15th 2022-
10:45am -11:30amOpen finance and embedded payments innovation for the mid-market
Bill Wittress is currently the Executive Vice President of Business Development with the FinTech startup Transcard, which is based in Chattanooga, Tennessee. In his nearly thirty years in the industry, he has worked for several Fortune 50 companies and many early startups. He worked for the streaming media pioneer Real Networks laying the foundations for todays streaming media services. Later, he spent 12 years at Microsoft where he was a founding member of several products. Most famously, he was an initial member of the Zune team. He worked for DTS in Los Angeles, where he leveraged his business development skills in the movie and recording industry. He then began his FinTech career at SAP. He spent four years building out a payments infrastructure and ecosystem for SAP Concur’s three main products and worked closely with major banks including JP Morgan, Citi Bank, US Bank, Bank of America and others. He currently runs Business Development for Transcard including all partnership, go to market and legal activities.
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Moderator
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Frank B. Martien
Managing Partner, Windward Strategy, Inc.
Frank B. Martien
Managing Partner, Windward Strategy, Inc.
June 15th 2022-
12:00pm -12:30pmTable discussion groups
Frank commenced his post-MBA career in 1996 with First Annapolis Consulting (“FA”) 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. Frank founded Windward Strategy, Inc. in October 2020 to provide strategy consulting in B2B payments.
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Table discussion groups
Delegates choose one of 8 group tables, then rotate:
1) Impact of real-time payments on mid-market corporate markets
William Kniering, SVP Head of commercial card, Texas Capital Bank
2) Sustainability in payment markets
Chris Holmes, Director, KAE Consulting
3) T&E development: preparing for relaunch
David Alpha, VP Business Leader, NA Commercial Products, Mastercard
Mark Silverman, Director, Business Development – Banking, ConfermaPay
4) Virtual card products: next generation
Tony Yazzolino, SVP / Commercial Card & Merchant Director, Global Payments & Deposits, Umpqua Bank
Jenny Carlson, Head of U.S. Regional Issuer Sales, Large & Middle Market Business Solutions, Visa
5) Vertical growth – healthcare, government, plus.
Frank B. Martien, Managing partner, Windward Strategy, Inc.
6) Fintech partnerships: creating win-win
Arthur Weiner, Principal consultant, N Brook Advisors
Andrew Jamison, CEO, Extend
7) Crypto and digital currencies
Steve Murphy, Director, commercial and enterprise payments advisory service, Mercator Advisory
8) Banking-as-a-service (BaaS) and impacts on payments market
John Venzon, Managing Director, Cornerstone Advisers
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William Kniering
SVP Head of Commercial Card, Texas Capital Bank
William Kniering
SVP Head of Commercial Card, Texas Capital Bank
June 14th 2022-
11:15am -12:00pmGrowth verticals in B2B and the return of T&E
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12:00pm -12:30pmTable discussion groups
Bill Kniering joined Texas Capital Bank in 2019 and currently serves as a Senior Vice President and Head of Commercial Card. In this role, Bill led the team that developed and launched the bank’s commercial card platform. He is responsible for the commercial card business line. Bill has spent over 37 years in the commercial card market. He began his career with Citicorp Diners Club in Denver before moving to Connecticut to support the bank’s largest card clients including IBM and United Technologies. He then joined US Bank and spearheaded the formation of the bank’s field-based implementation/account management structure. He moved to Dallas with startup First USA which was ultimately acquired by JPMorgan Chase. There he worked with one of his clients to beta test the first internet-based reporting solution for the commercial card industry. At Bank of America, he worked onsite in London to launch the bank’s multi-currency global card platform. He was most recently at MUFG Union Bank where he was on the team to stand up their commercial card program and then managed the bank’s sales, implementation and account management teams.
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Tony Yazzolino
SVP Commercial Card Director, Umpqua Bank
Tony Yazzolino
SVP Commercial Card Director, Umpqua Bank
June 14th 2022-
11:15am -12:00pmGrowth verticals in B2B and the return of T&E
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12:00pm -12:30pmTable discussion groups
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02:45pm -3:30pmDeveloping commercial card programs for the mid-market
Tony leads the Umpqua Bank Commercial Card sales, support, and supplier enablement teams as well as our merchant services partnership with WorldPay. Tony also co-leads Umpqua Bank’s cross functional payments council to help explore new and developing consumer and business payments. Tony came to Umpqua Bank through the Sterling Bank merger in 2014 and has been with the combined companies since 2004 leading and growing the bank’s card based payments business. Tony began his career in 1992 with West One Bank and has held various roles at US Bank, Wells Fargo, and local community banks and has 25+ years of experience in payments, cards, and acquiring business lines. A graduate of University of Oregon, Northwest Intermediate Banking School, and the ABA School of Bankcard Management, Tony lives in Portland Oregon with his wife and 3 daughters. He serves as Treasurer of Eastside Portland Lacrosse, coaches youth volleyball and is an avid Oregon Ducks fan.
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Chris Holmes
Senior Vice President, KAE Consulting
Chris Holmes
Senior Vice President, KAE Consulting
June 15th 2022-
12:00pm -12:30pmTable discussion groups
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.
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Frank B. Martien
Managing Partner, Windward Strategy, Inc.
Frank B. Martien
Managing Partner, Windward Strategy, Inc.
June 15th 2022-
12:00pm -12:30pmTable discussion groups
Frank commenced his post-MBA career in 1996 with First Annapolis Consulting (“FA”) 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. Frank founded Windward Strategy, Inc. in October 2020 to provide strategy consulting in B2B payments.
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Andrew Jamison
CEO & Co-Founder, Extend
Andrew Jamison
CEO & Co-Founder, Extend
June 15th 2022-
09:05am -10:00amFintech focus
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12:00pm -12:30pmTable discussion groups
Andrew 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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David Alpha
VP Business Leader, NA Commercial Products, Mastercard
David Alpha
VP Business Leader, NA Commercial Products, Mastercard
June 15th 2022-
12:00pm -12:30pmTable discussion groups
David Alpha is the Vice President, US Commercial Product B2B Consultant Team, leading a team that supports the Account Management team and their Issuers. David has been a part of the NAM Commercial Product team since June 2015, working in partnership with the Account Management team to promote Mastercard’s commercial platforms, solutions, and partners. David has over 26 years in the commercial payments space. Prior to joining Mastercard, David worked at WEX for 5 years and U.S. Bank for 15 years.
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Mark Silverman
Director, Business Development - Banking, ConfermaPay
Mark Silverman
Director, Business Development - Banking, ConfermaPay
June 15th 2022-
12:00pm -12:30pmTable discussion groups
Mark is Director of Business Development – Banking/Americas for Conferma Pay, working with Conferma’s banking partners to help them optimize Conferma’s travel, payables and mobile virtual card solutions. Prior to Conferma Pay, Mark was a consultant for PayTech Commercial, working on engagements with payment networks and their financial institutions on projects ranging from sales effectiveness training to research. He has several years of successful business development experience working for U.S. Bank and American Express. Mark is a former chair of CPI’s Middle Market Summit and Global Summit (2017).
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Jenny Carlson
Head of U.S. Regional Issuer Sales, Large & Middle Market Business Solutions, Visa
Jenny Carlson
Head of U.S. Regional Issuer Sales, Large & Middle Market Business Solutions, Visa
June 14th 2022-
02:30pm -3:15pmAP/AR automation: accelerating process change
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12:00pm -12:30pmTable discussion groups
Jenny Carlson leads US Regional Issuer Sales for Large & Middle Market Business Solutions. In this role, Jenny enables Visa’s 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. Jenny currently resides in Phoenix, Arizona. Outside of the virtual office, she enjoys playing tennis, listening to live music, and supporting ASU Athletics.
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Arthur Weiner
Principal Consultant, N Brook Advisors
Arthur Weiner
Principal Consultant, N Brook Advisors
June 15th 2022-
12:00pm -12:30pmTable discussion groups
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.
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Steve Murphy
Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory Group
Steve Murphy
Director, Commercial and Enterprise Payments Advisory Service, Mercator Advisory Group
June 15th 2022-
12:00pm -12:30pmTable discussion groups
Steve is 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.
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John Venzon
Managing Director, Cornerstone Advisers
John Venzon
Managing Director, Cornerstone Advisers
June 15th 2022-
12:00pm -12:30pmTable discussion groups
John Venzon brings 30 years of banking, vendor, and consulting experience to Cornerstone Advisors. As managing director of the Technology Solutions group, John puts his strong background to work in leading the firm’s IT Advisory practice.Prior to consulting, John was a group executive for Consumer and Commercial Solutions at Jack Henry & Associates. He managed over 60 channel products and services including retail digital banking solutions, payments, and branch solutions for community banks and credit unions. He was the co-chair of the Corporate Payment Committee.John served as a senior vice president of Global Technology and Operations at Bank of America in Commercial Treasury, Customer Service and Support, and the leader of the Enterprise Payments Program. He began his career with IBM working with financial institutions in data centers, automating branch delivery systems, and early-stage technologies.John is a contributing author for GonzoBanker, Cornerstone’s blog, and a frequent speaker.
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Table discussion groups rotate
Roundtables: rotation 2
Lunch and networking
Now and then: predictions and futures for payment markets
In this lively open forum we invite speakers to review past analysis and predictions, consider recent research, and discuss whether these ideas hold true for the future in key areas of middle market development. Will we see a cashless future? Will checks vanish? Will cards all be virtual? Will crypto become mainstream? Will finetchs disintermediate banks?
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Maria Line
Head of Commercial Card Account Management, First National Bank of Omaha
Maria Line
Head of Commercial Card Account Management, First National Bank of Omaha
June 15th 2022-
02:00pm -2:45pmNow and then: predictions and futures for payment markets
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Cindy Finley
Director, Commercial B2B Payments Consultant, Mastercard
Cindy Finley
Director, Commercial B2B Payments Consultant, Mastercard
June 15th 2022-
02:00pm -2:45pmNow and then: predictions and futures for payment markets
Cindy Finley joined MasterCard in early 2022 in the role of Commercial B2B Payments Consultant on the North American team. In this role, she is responsible for aligning MasterCard commercial payment solutions to her portfolio of financial institution partners.
Cindy is a Senior Sales Executive and Strategist who has delivered revenue growth through strategy, sales leadership, and innovation in treasury management and payment solutions in the banking industry for over 25 years. She is a gifted relationship builder adept across the entire sales cycle, from conveying unique value propositions to effective account management. Results-driven and steadfast in achieving goals, navigating through challenges fearlessly, finding solutions, and accelerating business performance.
Cindy holds a MBA from Cleveland State University, Cleveland, Ohio and a BBA degree from Saint Mary’s College, Notre Dame, Indiana. Professional certifications achieved include a Certified Treasury Professional Certification (CTP) and a Certified Purchasing Card Professional (CPCP) designation.
Cindy and her teenage sons reside in New Albany, Ohio. She is also a proud mom to two adult daughters and four grandchildren
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Moderator
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John Venzon
Managing Director, Cornerstone Advisers
John Venzon
Managing Director, Cornerstone Advisers
June 15th 2022-
12:00pm -12:30pmTable discussion groups
John Venzon brings 30 years of banking, vendor, and consulting experience to Cornerstone Advisors. As managing director of the Technology Solutions group, John puts his strong background to work in leading the firm’s IT Advisory practice.Prior to consulting, John was a group executive for Consumer and Commercial Solutions at Jack Henry & Associates. He managed over 60 channel products and services including retail digital banking solutions, payments, and branch solutions for community banks and credit unions. He was the co-chair of the Corporate Payment Committee.John served as a senior vice president of Global Technology and Operations at Bank of America in Commercial Treasury, Customer Service and Support, and the leader of the Enterprise Payments Program. He began his career with IBM working with financial institutions in data centers, automating branch delivery systems, and early-stage technologies.John is a contributing author for GonzoBanker, Cornerstone’s blog, and a frequent speaker.
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Developing commercial card programs for the mid-market
Card program leaders and experts talk and walk through the essential ingredients of developing and growing a commercial card program, including the internal and external resources, technology, operations, product development and partnerships that are required to make the program successful for mid-market clients.
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Michele Laurin
Senior Product Manager, Card Services, Western Alliance Bank
Michele Laurin
Senior Product Manager, Card Services, Western Alliance Bank
June 15th 2022-
02:45pm -3:30pmDeveloping commercial card programs for the mid-market
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.
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Chaps Poduri
Director, Commercial Payments, Bank of America
Chaps Poduri
Director, Commercial Payments, Bank of America
June 15th 2022-
02:45pm -3:30pmDeveloping commercial card programs for the mid-market
Chaps Poduri joined Bank of America in 2011 in the role of a Program Manager to oversee Bank of America’s prepaid card program for the California Employment Development Department. Since then he has had varied roles within product and business development across several commercial payment products. Chaps has a Masters in Computer Sciences and a certification in Project Management. Outside of his daily job, Chaps has an active role in his community as a Council Member for the City of Pacific Grove, CA.
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Leigh Hocker Radtke
Vice president, Head of North America product, Visa Business Solutions, Visa
Leigh Hocker Radtke
Vice president, Head of North America product, Visa Business Solutions, Visa
June 14th 2022-
09:15am -10:00amMid-market economy: return, revival and rates
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02:45pm -3:30pmDeveloping commercial card programs for the mid-market
Leigh Radtke is the Head of North America Product for Visa Business Solutions. Visa Business Solutions brings to life innovative payment products and solutions for Visa’s clients and partners to help businesses and organizations of all sizes and industries grow and thrive.
Since joining Visa in 2011, Leigh has held business executive roles in Commercial Prepaid, B2B Product and Client Services. Prior to joining Visa, Leigh led Strategy, Product Management and Business Development roles 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 area with her husband Mark and three Labrador retrievers, Nash, Takoda and Talulah.
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Tony Yazzolino
SVP Commercial Card Director, Umpqua Bank
Tony Yazzolino
SVP Commercial Card Director, Umpqua Bank
June 14th 2022-
11:15am -12:00pmGrowth verticals in B2B and the return of T&E
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12:00pm -12:30pmTable discussion groups
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02:45pm -3:30pmDeveloping commercial card programs for the mid-market
Tony leads the Umpqua Bank Commercial Card sales, support, and supplier enablement teams as well as our merchant services partnership with WorldPay. Tony also co-leads Umpqua Bank’s cross functional payments council to help explore new and developing consumer and business payments. Tony came to Umpqua Bank through the Sterling Bank merger in 2014 and has been with the combined companies since 2004 leading and growing the bank’s card based payments business. Tony began his career in 1992 with West One Bank and has held various roles at US Bank, Wells Fargo, and local community banks and has 25+ years of experience in payments, cards, and acquiring business lines. A graduate of University of Oregon, Northwest Intermediate Banking School, and the ABA School of Bankcard Management, Tony lives in Portland Oregon with his wife and 3 daughters. He serves as Treasurer of Eastside Portland Lacrosse, coaches youth volleyball and is an avid Oregon Ducks fan.
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Moderator
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John Venzon
Managing Director, Cornerstone Advisers
John Venzon
Managing Director, Cornerstone Advisers
June 15th 2022-
12:00pm -12:30pmTable discussion groups
John Venzon brings 30 years of banking, vendor, and consulting experience to Cornerstone Advisors. As managing director of the Technology Solutions group, John puts his strong background to work in leading the firm’s IT Advisory practice.Prior to consulting, John was a group executive for Consumer and Commercial Solutions at Jack Henry & Associates. He managed over 60 channel products and services including retail digital banking solutions, payments, and branch solutions for community banks and credit unions. He was the co-chair of the Corporate Payment Committee.John served as a senior vice president of Global Technology and Operations at Bank of America in Commercial Treasury, Customer Service and Support, and the leader of the Enterprise Payments Program. He began his career with IBM working with financial institutions in data centers, automating branch delivery systems, and early-stage technologies.John is a contributing author for GonzoBanker, Cornerstone’s blog, and a frequent speaker.
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Driving sustainable card acceptance
Referencing recent research, we explore in this session how B2B merchants can implement card acceptance in a way that ensures the maximum possible benefits, discuss the reality of card acceptance and policies for suppliers, and identify the keys to a successful card program. We will also focus on commercial buyers and their role in setting acceleration strategies to ensure sustainable card relationships with their suppliers.
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Shawn Thomas
Senior Director B2B Merchant Acceptance, Visa
Shawn Thomas
Senior Director B2B Merchant Acceptance, Visa
June 15th 2022-
03:30pm -4:00pmDriving sustainable card acceptance
Shawn is the Senior Director at Visa Business Solutions and leads the Global B2B Merchant Acceptance team. He has worked in the B2B commercial payments space for over 15 years. In his current role he leads a team that focuses on expanding B2B merchant acceptance across North American, Latin America, Asia Pacific and Europe. Prior to his role at VISA, he worked at American Express where he led teams who managed the largest B2B customers on both the merchant and issuing buyer side of the credit card relationship. He has an MBA in international business and finance from Butler University and a bachelor’s in marketing from Indiana University. He currently resides in the Chicago area with his wife and kids.
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Jared Nicholson
SVP, Division Manager, Commercial Card Products & Services, Bankcard, Zions Bank
Jared Nicholson
SVP, Division Manager, Commercial Card Products & Services, Bankcard, Zions Bank
June 15th 2022-
03:30pm -4:00pmDriving sustainable card acceptance
Jared is the Division Manager over Commercial Card Products and Services for Zions Bancorporation. His team includes sales, account management, implementations, sales support, operations, product development and reporting functions, in addition to shared risk/credit oversight. He has 18 years of experience in the Commercial and Business Card industries. Prior to joining the Zions in 2010 to build their Commercial Card program, he served GE Capital Financials Commercial and Business Card divisions for 10 years in a variety of roles, including Account Management, In-house Card Program Administration, and Servicing. He is a father of two, movie buff who has seen every Best Picture Oscar winner, and a self-described “Lego maniac”.
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Moderator
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John Venzon
Managing Director, Cornerstone Advisers
John Venzon
Managing Director, Cornerstone Advisers
June 15th 2022-
12:00pm -12:30pmTable discussion groups
John Venzon brings 30 years of banking, vendor, and consulting experience to Cornerstone Advisors. As managing director of the Technology Solutions group, John puts his strong background to work in leading the firm’s IT Advisory practice.Prior to consulting, John was a group executive for Consumer and Commercial Solutions at Jack Henry & Associates. He managed over 60 channel products and services including retail digital banking solutions, payments, and branch solutions for community banks and credit unions. He was the co-chair of the Corporate Payment Committee.John served as a senior vice president of Global Technology and Operations at Bank of America in Commercial Treasury, Customer Service and Support, and the leader of the Enterprise Payments Program. He began his career with IBM working with financial institutions in data centers, automating branch delivery systems, and early-stage technologies.John is a contributing author for GonzoBanker, Cornerstone’s blog, and a frequent speaker.
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