Open Banking Will Be Here By 2023

Jennifer Reynolds is the President & CEO of Toronto Finance International (TFI), a public-private partnership whose mission is to promote and develop Toronto’s financial services sector, and to establish its prominence as a leading global financial centre.

Jennifer’s 20-year career in the financial services industry has included senior roles in investment banking, venture capital, and global risk management. Prior to joining TFI, Jennifer was the President & CEO of Women in Capital Markets (WCM), Canada’s largest industry association and advocacy group for women in the financial sector.

Jennifer is a Director on the Board of Citibank Canada, Director on the Board of the Canada Development Investment Corporation (“CDEV”), Director on the Board of Women’s College Hospital Foundation, and Director on the Board of Tourism Toronto. She is also a former Member of the Ontario Venture Capital Fund Advisory Committee, former Chair of the Board of Advisors of the Microskills Business Incubator, and former Director on the Board of Studio 180, an independent, Toronto-based theatre company. In 2015 and 2017, she was named a Women’s Executive Network (WXN) Canada’s Most Powerful Women: Top 100 Award Winner.

Jennifer is a graduate of the Harvard Business School Women’s Leadership program, and she received her MBA from McGill University, as well as a Bachelor of Arts with a double major in Economics and Political Science from McGill University. Jennifer also holds the Institute of Corporate Directors Designation, ICD.D.

Matt MacNeil is the Director of Standards and Technology at the CIO Strategy council and has over 20 years’ experience in the standards, certification and management consulting.  The bulk of his career has been with the British Standards Institution (BSI) where his focus was Information Security, IT and Risk standards.

Mayank Mishra is the Global Head of Online Banking and Connectivity Services, at Citi’s Treasury and Trade Solutions (TTS) business. Mayank Mishra is responsible for leading Digitization, Client Experience and Productivity initiatives for online payments and other Treasury and Trade Solutions across the global footprint of 95+ countries through the use of Industry leading Digital platforms. In this role Mayank Mishra and his team works with the clients to drive Strategy, Execution and commercialization of CitiDirect BE, Citi’s award winning Online Banking platform. This platform CitiDirect BE provides a wide range of services across Payments, Receivables, Liquidity, Trade and Supplier Finance supporting all the Citi Treasury and Trade Solutions markets globally. Mayank Mishra is also responsible for Streamlining Corporate to Bank payment and information flows through integration with clients’ systems such as Enterprise Resource Planning (ERP) and Treasury Management solutions. Mayank Mishra’s priorities include enhanced overall experience through creation of industry leading Online Banking and Connectivity capabilities. Mayank Mishra has over 25 years of industry experience, with over 12 years in leading Digital Services in Online Payments space. Mayank Mishra holds a Master’s degree in Computer Science and currently resides in New York City. He is an avid golfer and a tennis enthusiast.

Saba Shariff is an acknowledged leader at Symcor Inc., a leading provider of business processing and data management services, supporting major banks, insurance, retail, and telecommunications companies in Canada. As Head of New Product Development and Innovation, Saba leads a passionate team of professionals in designing new and exciting ways to solve real customer problems and leverage data to both improve today’s services and discover new ones. With over 20 years of experience in IT and Product, Saba is a frequent public speaker in the private and public sector on topics such as Collaborations or Partnerships in Canada, and Breaking Stereotypes in Business Technology Management. In her spare time, Saba enjoys being active while managing the joys and tribulations of raising a teenage son.

With over 25 years of experience in digital strategy and transformation, Stéphane has made a name for himself as a key player in the evolution of Canada’s digital landscape.

Prior to working at National Bank of Canada, Stephane was active in the media industry where he led numerous digital transformation programs for the Sun Media Corporation, the National Film Board of Canada and the Canadian Broadcasting Corporation. Stephane holds bachelor’s and master’s degrees in Communications and Digital Media from the University of Quebec in Montréal (UQAM).

Scott Farrell is a senior partner of King & Wood Mallesons with more than 20 years’ experience in financial markets, financial systems and financial technology law, advising startups, market participants, financial system operators, regulators and governments in Australia and the Indo-Pacific.  Scott has given many years of service to the public and private sector in advising on, and guiding, regulatory and legal change in the financial market and system landscape, including in connection with financial technology. Scott has chaired the Australian Government’s FinTech Advisory Group and is on the Australian Government’s advisory board for innovation, research and science matters.  Scott led the two inquiries for the Australian Government which designed, and developed, the framework for open banking and Australia’s Consumer Data Right and recently chaired the review into the regulatory architecture of Australia’s payments system.

Don Cardinal is Managing Director of the Financial Data Exchange (FDX). Cardinal leads FDX by engaging with FDX members across the financial services and fintech ecosystem in the US and Canada to develop and implement the FDX API technical standard and to promote FDX’s five principles for permissioned data sharing: Control, Access, Transparency, Traceability & Security. Since its launch in October 2018 with 21 founding members, Cardinal has grown the nonprofit standards body to over 185 member organizations and 16 million consumer accounts have been migrated to the FDX API in North America.

Don comes to FDX after more than 20 years with Bank of America, where he served in key leadership roles as the Privacy Officer of their Military Bank, the Digital Banking VP for Military Bank, VP in Digital Banking, and most recently as a Senior VP in Global Information Security, where he orchestrated the bank’s DMARC email security implementation. From 2016 to 2018, Don also served as co-chair of the Financial Services Information Sharing and Analysis Center’s (FS-ISAC) Aggregation Working Group. Prior to his banking career, Don worked for a fintech, writing tax preparation software.

Mitch Koczerginski is a Canadian lawyer with a practice focused on advising clients on all aspects of privacy law. Mitch advises and represents clients in connection with privacy and data breaches involving payment card information, personal information, health information and sensitive business information. Mitch routinely drafts and reviews privacy policies, conducts privacy impact assessments and responds to access to information requests. Mitch also handles submissions to provincial privacy regulators as well as the Privacy Commissioner of Canada on a variety of matters, including breach reporting and access to information appeals.

Thought Leadership Specialties:
Canadian Prepaid Market
Rewards & Incentives

Chris is a B2B industry veteran and a respected expert in Canadian incentives—particularly as they relate to digital rewards. He advises businesses on how to leverage prepaid card options to develop meaningful relationships with shoppers, employees, business partners, and other key audiences. His expertise is relied upon by organizations looking to connect Canadians to the digital economy and tap into the growing popularity of prepaid cards as versatile payment, reward and incentives tools.

With more than 20 years of experience—more than 15 spent with Blackhawk Network—Chris has accumulated a deep understanding for how prepaid cards can drive desired behaviors, streamline business processes, connect consumers digitally and fuel sales.

Gilles Ubaghs is a Strategic Advisor with Aite-Novarica Group’s Commercial Banking practice where he is focused on business to business and commercial payments and the role that digital transformation is having across the enterprise and broader financial services sector. This includes a range of horizontal industry wide topic areas, such as the role of shifting payment regulations, fintech’s and artificial intelligence, as well as more tactical granular topics such as commercial cards, and payment clearing and settlement systems.

Gilles brings over 15 years of experience in the analysis and financial services space creating a range of syndicated off the shelf, and bespoke consulting projects for a wide array of clients at the enterprise, vendor, investor and regulator level internationally. Gilles has direct professional experience in European, Asia Pacific and North American markets and always aims to bring local context into global payments issues.

Prior to joining Aite Gilles was a Principal Analyst with Ovum where he helped to build up its retail payments practice across a range of key topics. Originally from Belgium but raised in the US, Gilles is fully fluent in French and English. Gilles holds a bachelors’ degree in Social Anthropology from the London School of Economics and is currently based in beautiful Toronto, Canada.

Karen Budahazy is an experienced Senior Executive in the financial services industry. She has held leadership roles at Givex and InComm prior to joining the payments team at Peoples Group as Vice President, Digital Enablement and Issuing. She currently serves as the Chair for the Canadian Prepaid Providers Organization.