Natasha is the director, product manager for Santander’s Commercial Card program, serving middle market, corporate and multinational companies. She has an extensive career in banking, including card issuing and merchant acquiring, both in the US and the UK.

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.

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.

Stephanie Wilczewski is a Director and Senior Product Manager responsible for B2B Payables Fintech Partnership Strategy and New Initiatives within Bank of America’s Global Payment Solutions group. In this role, she spearheads the delivery of innovative solutions from ideation through to full go-to-market launch for the Intelligent Payables product suite. At Bank of America, Stephanie has also managed AP Automation Solutions, including launching an invoice to payment automation product for middle market clients. Prior to joining the bank, she worked at a Procure-to-Pay fintech in a variety of roles supporting bank-channel partnerships. Stephanie is tapped for her expertise on: fintechs and competitive landscape, the value of invoice automation as a launching pad for payments discussions, and consulting clients on rethinking how they manage their payments strategy. With her passion to share knowledge and develop those around her, Stephanie is sought after for sales and product trainings, client meetings, and industry webinars. Bridging the gap between business and technology, along with her commitment to innovation and client satisfaction, has been a driving force throughout her career.Stephanie is a graduate of the University of Alabama and received a certificate from Harvard’s Management Development Program. She resides in Charlotte, North Carolina, with her husband and two children.

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.

Michael Salerno is Head of Global Banking at FNBO leading the international team responsible for business development, trade services, foreign exchange and cross-border payments. He serves all markets and national clients, including commercial and correspondent banking customers. Michael enjoys solving problems for his clients and connecting them with the resources they need to grow their business. He enjoys several professional affiliations, serving as treasurer for the Nebraska District Export Council, as an Executive Member and Treasurer of the National Association of District Export Councils, and as a Committee Member of the North American Regional Bank FX Forum.

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.

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.

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.

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.

Paul is Managing Director and leads merchant services business that supports the Commercial and Corporate Banking segments for Wells Fargo. He has responsibility for all aspects for the business segment, including financial performance, business development and account management.Paul has been with Wells Fargo since 1998 in a variety of roles in the treasury and merchant services businesses.Paul has a Master’s degree in Business Administration from Wake Forest University and Bachelor of Business Administration from Ohio University. He is also a Certified Treasury Professional and Certified Payments Professional.

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.

Denver Mangaoang is a Treasury Product Associate responsible for Commercial Card and B2B Portfolio Analytics and Pricing Strategy within Bank of America’s Global Payment Solutions group. In his role, Denver utilizes data driven decision making to support both internal and external Bank Partners. Denver resides in Charlotte, North Carolina and is a graduate of the University of North Carolina at Charlotte holding a degree in Data Science.

Jonathan Oakes is the senior managing director of card products at SVB, a division of First Citizens Bank, where he has been critical in designing and delivering best in class card-based payment solutions across all SVB’s clients, from newly incorporated start-ups through late-stage companies. Jonathan has championed multiple initiatives to assist businesses of any size with simple to get, simple to use solutions that can scale with clients rapidly along their growth journey at SVB. Prior to SVB Jonatan led treasury and trade solutions at Citi, delivering innovative digital payment solutions for global co-operations across 65 unique markets. He has a degree from Georgetown University. In his free time, he enjoys family hikes in the Hudson Valley, while carrying his 3-year-old daughter on his back.

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.

Chris Claus is Head of Commercial Card Transformation within J.P. Morgan Payments focused on modernization and business intelligence. Previously, Chris led B2B payment automation and developed J.P. Morgan’s industry leading Virtual Card solution. Chris joined J.P. Morgan thirteen years ago in the Commercial Card business as Head of Digital Product. Prior to joining J.P. Morgan, he held various senior business and product transformation roles at HSBC and Ford Motor Company. Chris holds a Bachelor of Science in Finance from Indiana University and a Master of Business Administration from Case Western Reserve University. He and his family live in Chicago, Illinois.

As the Program Manager for the National Center for the Middle Market (NCMM), Kim (Roseler) Barnhart oversees the NCMM member experience, including programming, education and engagement. She engages with external partners and faculty and staff at The Ohio State University Fisher College of Business to move research projects forward and manages daily operations and special projects for NCMM.

Prior to joining NCMM, Kim supported The Risk Institute, another research center at Fisher College of Business, through a strategic plan reinvigoration, working alongside the Executive Board—which included the Dean of Fisher College of Business, college department chairs, and Chief Risk Officers from Nationwide, Huntington and Battelle—to develop a competitive and impactful strategic plan for the center. Prior to her time at Fisher College of Business, Kim supported the university’s central advancement team, developing personalized stewardship plans and activities for the Major Gift and Principal Gift donors.

Kim’s professional career began at the American Heart Association’s Go Red for Women movement where she managed the execution of 1,000-person luncheons, galas and fireside chats to drive the mission forward. Her early years in non-profit research helped her develop expertise in delivering impact and purpose through data-driven insights. Kim attended Otterbein University and received a Bachelor of Arts in Sports Management. She is currently a student in the Working Professional MBA program at Ohio State’s Fisher College of Business and will graduate in August 2023.

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.

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.

Sheelu Jain is Vice President, Head of Mid-Market Products for the U.S. region at Mastercard. In this role, she leads product innovation and commercialization efforts tailored to the unique needs of the mid-market segment. Earlier this year, Sheelu spearheaded the launch of the Mastercard Mid-Market Accelerator, a comprehensive suite of solutions designed to empower middle market businesses to grow, digitize, and better protect their businesses. Prior to this, she led the development of large market payment products aimed at streamlining and automating the exchange of payments data between buyers and suppliers, enhancing operational efficiency for business users. Sheelu joined Mastercard in 2015, bringing with her a wealth of experience from American Express, where she held multiple product leadership roles. Her work at Amex included developing products for small business and affluent consumer segments, as well as driving customer acquisition strategies across ecommerce and travel partnerships. With over 15 years of experience in financial services, Sheelu has built a career spanning small business, mid-market, large corporate, digital, and affluent consumer segments. She holds an MBA from the University of Chicago Booth School of Business and a Masters in Computer Science from the University of Southern California.

Davide is a Manager in EDC’s San Francisco office with seven years of strategy consulting experience in payments. He has advised clients ranging from payment networks, banks, payment service providers, FinTech, and merchants globally, with a focus on North America, where he helps clients navigate complex market dynamics and drive strategic growth. Recognized for his analytical approach and deep industry knowledge, he plays a key role in delivering high-impact solutions for EDC’s clients.Davide holds an MEng in Biomedical Engineering from Imperial College London. Outside of work, he enjoys planning exotic travels and staying active through football (soccer), skiing, running, and hiking.

Laura has more than 10 years of experience in commercial payments and more than 15 years in the business travel industry.  A seasoned product manager, Laura is currently the Head of international commerical products with a product portfolio of solutions including virtual card number, corporate card, and travel accounts for both large market and SME.  Innovation and market insight are at the core of Laura’s approach.  Passionate about staying ahead of emerging trends to drive product strategy, Laura is driven by identifying new opportunities, translating insights, and breaking down complex products into simplified solutions, all with a focus on new product ideation and strategy.  Laura holds a Master of Arts degree from New Mexico State University in Communication Studies with an emphasis in Intercultural Communication and is currently based in Minneapolis, Minnesota.

Hugh Gallagher is a Director of Edgar, Dunn & Company. Hugh leads the firm’s Americas consulting practice and also serves as the firm’s Chief Financial Officer. Hugh advises C-suite and senior executive teams at a variety of banks and other financial institutions, leading private equity firms, non-bank financial services companies, and financial technology and other bank vendor organizations. His primary areas of functional expertise include strategic planning, pricing and profitability analysis, product management, innovation and new product development, applied analytics and customer segmentation, customer experience, and partnerships, mergers & acquisitions. Hugh’s 30+ years of experience in payments and financial services also includes executive roles with First Manhattan Consulting Group, First Data Corporation (now Fiserv), SunTrust Banks (now Truist), eFunds Corporation (Fidelity National Information Services), Accenture/First Annapolis Consulting, and NBD Bank (JPMorgan Chase). A recognized industry thought leader, Hugh has been an invited speaker at conferences for the Bank Administration Institute, Consumer Bankers Association, Electronic Transaction Association, American Banker, and NACHA, and has authored whitepapers and articles for a variety of publications including Banking Perspective by The Clearing House, BAI’s Banking Strategies, and Bank Systems & Technology.Hugh graduated with his Bachelor’s Degree from the University of Illinois at Urbana-Champaign and earned his MBA from the University of Chicago’s Booth School of Business.

Spearheading strategic partnership development at Inlogik, my role focuses on fostering partnerships and driving opportunities within the B2B payments realm. My tenure is marked by implementing innovative expense and spend management programs, enhancing operational efficiency and scaling business growth through product and sales planning with cross-functional collaboration.

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.