Open Banking Expo Canada Speakers

Abraham Tachjian is Canada’s open banking lead, named by the Honourable Randy Boissonnault, Associate Minister of Finance, in March 2022. Mr. Tachjian has extensive experience related to open banking in Canada and internationally. He was a Director in the Financial Services practice at PwC Canada. He helped found Mox Bank, a new digital bank in Hong Kong, and was Director of Digital Banking of Standard Chartered Bank in Singapore where he was responsible for the implementation of emerging technologies.

Mr. Tachjian earned a B.A. from Concordia University, an LL.B in civil law from Université de Montréal, a J.D. in common law from University of Ottawa and a certificate in Chinese Law from China University of Political Science and Law in Beijing. He is a member of the Law Society of Ontario and the Barreau du Québec.

Adam Gibson is the General Manager of Flinks’ Open Banking Environment team. He leads product development for North America’s first and only bank-centric open banking infrastructure, enabling banks and credit unions to bring the value of connected financial services to their customers.

Anmol Grover is the Global Practice Head for Open Banking at Wipro. Anmol is an experienced professional with a demonstrated history of working in the information technology and services industry with some of the largest banking & financial services clients. Strong entrepreneurship professional skilled in Strategy, Sales/Account Management, Product Development, Global Delivery and Nearshoring/Offshoring.

Anna Hardy is an Economist at the federal Department of Finance. Previously, she was AVP, Governance & Strategic Planning at BlueShore Financial, a credit union headquartered in British Columbia. Anna also led legislative affairs at Central 1 Credit Union and cumulatively has over 15 years of experience advising on policy issues ranging from financial regulation to parliamentary process. Anna holds a master’s degree in public administration. She volunteers for numerous organizations in her community, including Big Sisters of the Lower Mainland, and Junior Achievement BC.

With over 30 years’ experience in enterprise architecture along with a background in engineering and computer science, Baskar is a recognized thought leader in innovation and digital transformation in the financial services industry.

Baskar is responsible for the strategic direction of TCS’ Open Banking solutions; he leads all facets of the practice globally and most notably, helps financial institutions best identify their viability and growth strategies as Open Banking around the world evolves towards Open Finance.

Baskar is a strategic thinker who is passionate about reinventing traditional approaches to cultivate next-generation consumer engagement and helps align client organizational goals to drive successful outcomes.

As Vice President, Strategic Partnerships, Bhavna provides strategic direction, leadership and oversight of key regional partnerships in Payments and Loyalty for Scotiabank, covering over 10 markets in Latin America and the Caribbean. She is responsible for the vision and roadmap for Payments and Loyalty across International Banking, and for collaborating with all Scotiabank markets to guide execution of regional priorities.

Current mission: Drive Digital ‘anytime, anywhere, any device’ Payments and transformative customer-centric loyalty, across the bank’s international markets.

Previously, Bhavna has held progressive roles in Financial services and Consulting with both Fortune 500 companies and fintechs. Active in industry circles, Bhavna has led the Mobile Strategic Leadership Team at the Association of Card Technology Canada, served on the Board and Government Relations team at the Canadian Prepaid Providers Organization, and is a frequent contributor and thought leader at industry forums.

Bhavna holds a Bachelor of Commerce from Ryerson University and a Masters in Business Administration from the Schulich School of Business.

Brook Lovatt is the CEO of Cloudentity – a leading-edge Consumer Identity and Access Management software provider offering compliance with open banking specifications and regulations worldwide. Brook has over 22 years of experience in Identity and Access Management software as a developer, architect, consultant, and executive at IBM and Oracle as well as several security-focused start-ups and boutique consulting firms.

Carlos Kazuo Missao is Head of Innovation, Americas, at GFT, where he guides some of the world’s leading banking, finance, and insurance companies through large-scale digital transformation journeys. Missao’s work spans the complete overhaul of legacy architectures and full cloud migrations to the adoption of advanced technologies and introduction of open banking frameworks.

Cathy Ly leads the Customer Insights, Design Thinking, Customer Care Centre and Digital Banking Back Office for Equitable Bank. While these four functions appear disparate at first glance, they are united by an obsession with EQ Bank’s customers – whether that’s in understanding their needs, designing solutions to their pain points, answering their calls or processing their transactions. It is this same customer focus that also gives Cathy an important vantage point to lead Equitable Bank’s Open Banking strategy as the bank aims to leverage the pro-customer potential of Open Banking as part of its Challenger Bank mandate.

Prior to EQ Bank, Cathy worked for over a decade as a management consultant at ZS Associates, the Boston Consulting Group, Jackman Reinvents, and independently as a CX advisor to executive teams in hospitality, retail and financial services. She has deep empathy for the experiences of small business owners having also spent four years of her career running a home décor business and getting shot down by many a small business loan officer.

Charlie is an investor at OMERS Ventures, a global early-stage venture platform, and is actively leading Seed-Series C technology investments in NA and in the EU. Recent investments include Moves Financial, ClearEstate, Qui Identity, OneVest and Manifest Climate.

Colette Stewart is Enterprise Privacy Lead and Managing Counsel at Interac Corp. She is passionate about shaping the future of data privacy at Canada’s most trusted financial services brand while acting as a trusted legal advisor to the organization. Colette is recognized for being a strategic partner to her business clients by delivering valued, practical, and creative legal support in a complex and innovative Fin-Tech environment. Along the journey from concept to product launch Colette advises on all legal and privacy aspects and helps her business clients successfully navigate the challenges that arise.

Ms. Stewart leads Privacy at Interac and has developed Interac’s Privacy Management Program that continues to evolve to match Interac’s corporate strategy and market opportunities in the area of Digital Identity, Real-Time Rail, Pay By Bank and Open Banking. As Privacy Lead, Colette sits right at the intersection of opportunity and compliance. It is there that she provides strategic direction to enhance data protection and leverage its value.

Colette began her career at McCarthy Tétrault LLP in Technology then Corporate Finance/M&A. As In-House Counsel, Ms. Stewart’s breadth of experience spans across industry including retail, transportation, pharmaceuticals, and telecommunications. In addition to her law degree, Ms. Stewart holds a Bachelor of Science and is called to the Bar in the Province of Ontario.

Colette’s commitment to empowering the next generation has been a passion throughout her career. Ms. Stewart has served as a member of the University of Windsor Faculty of Law Admissions Committee. Colette has also acted as a formal and informal mentor to young lawyers and university students, most recently as a part of the University of Toronto Black Future Lawyers. Ms. Stewart has repeatedly been called upon to share her insights and guidance in Law and Technology, and as a featured speaker to motivate and inspire professional Women and the new generation of young minds.

Colette has the pleasure of serving her local community of Mississauga. She has also reached the international community by participating in development projects in both the Philippines and India.

Ms. Stewart has been featured in the Globe and Mail Report on Business where she was highlighted in a report on new business models responsible for disrupting the global legal landscape. More recently, Colette was featured again the Globe discussing digital identity in the Canadian ecosystem in an article entitled “Boosting trust: How institutions can foster safe participation in Canada’s growing digital economy”.

Corinne Pohlmann is Senior Vice President, National Affairs and Partnerships for the Canadian Federation of Independent Business (CFIB), a not-for-profit organization representing 95,000 small and medium-sized businesses across Canada. Corinne is based in Ottawa and is responsible for developing CFIB’s strategy on federal legislative issues, as well as overseeing CFIB’s Partnerships division, and Atlantic Canada legislative team.

Since joining the Federation in 1998, Corinne first worked in research, where she authored several research reports on a variety of public policy and economic issues. In 2000, Corinne became CFIB’s Director of Provincial Affairs based in Edmonton where she represented the interests of Alberta and NWT members to all levels of government and in 2006 she relocated to Ottawa to take on the responsibility of National Affairs.

Throughout her career, Corinne participated in numerous national consultations and committees on a wide variety of small business issues, including the Ministerial Advisory Committee on the Underground Economy, the Advisory Committee on Small Business and Entrepreneurship, as well as the Deputy Minister Advisory Committee on Citizenship and Immigration.

Corinne was born and raised in Montreal where she attended McGill University – graduating with both a Bachelor and a Masters Degree in Geography.

Craig has been a technologist in the industry for over 30 years in the development of large-scale systems for both public and private sector organizations.  He provides thought leadership on the future of technology, payments, economics and money.

Daniel Kornitzer is an Advisory Board member to Tillo.io and several fintech firms. Prior to this, he was Chief Business Development Officer for Paysafe. In this role, he was responsible for enterprise sales globally and for developing strategic partnerships for Paysafe designed to meet customer needs and grow new revenues. He was also a stakeholder in Paysafe’s M&A activities. Before this, Daniel served as Paysafe’s EVP and Chief Product Officer. Prior to re-joining the Group in 2014, he was CEO and Board Member of SiteSell.com. In his 20+ years in technology management, Daniel has pioneered ground breaking initiatives, from one of the world’s first over-the-phone speech recognition systems and the ISO/ITU standards for video coding in use today, to FirePay’s digital wallet and industry-leading risk management processes. This latter role resulted in his subsequent appointment as a member of the NACHA Risk Management Task Force. With deep knowledge of customer needs, and a profound understanding of the global payments industry, Daniel is also a well-regarded and active payments commentator and speaks regularly at industry events. He also sits alongside other industry visionaries as a member of the advisory board of the Merchant Payments Ecosystem (MPE), ETA Canadian Working Group, Blockchain Founders Fund, and as a board member of Open Finance Network Canada. Daniel holds a B.Eng in electrical engineering from Ecole Polytechnique of Montreal, a M. Eng from McGill University and a diploma in network engineering from the University of Toronto.

Darrell MacMullin is Senior Vice President of Products & Platforms at Mastercard in Canada.

He leads the product teams, strategy, and roadmap execution for all product and platform business lines, including Consumer Cards, B2B, Digital, New Payment Platforms, Cyber Intelligence, Crypto and Open Banking.

Darrell brings more than 20 years of financial technology leadership and business management experience to his role. In 2019, he received the Canadian Fintech and AI award for Leadership.

Prior to joining Mastercard, Darrell was chief commercial officer for Securekey. During his tenure, he worked with the government and banks to facilitate convenient connection between consumers and critical online services. Darrell was also CEO of Goldmoney Network, a financial technology company operating a payments network based on blockchain/distributed ledger. His notable career accomplishments include selling a payments technology company to Square, and launching PayPal in Canada, leading its growth for its first 8 years.

Darrell has a passion for transforming industries, companies, and lives through the innovative use of technology.

Darrell has a Bachelor of Arts in Business from Toronto Metropolitan University.

I was told in my first pro rock band back in 1984, “it doesn’t matter whether you win or lose, how hard you try, or even how you play the game, only, how good you look doing it”.

Darren Stevens is a technical leader and pioneer in system connectivity and software integration. With over 35 years of experience in software development, he has developed a deep understanding of the unique integration requirements of banking and healthcare technology: high performance, availability, scalability, and security.

David is an accomplished Banking and Payments executive with in-depth knowledge acquired within the Canadian and Global banking landscape.  He is a subject matter expert on open banking / open finance, real-time payments, and innovative overlay services – bringing expert insight and thought leadership covering the full spectrum from retail and wholesale payments to clearing and settlement.  David has worked with FIs across North America to support the development of open banking and payments strategies; helping clients take their existing strategies and create pragmatic, executable roadmaps to modernize and digitally transform their business.

Prior to joining CGI, David was the strategy & innovation executive at Everlink Payment Services, working with credit unions and tier II banks to launch new payment products and services. David has held senior positions at Visa Canada and at Moneris Solutions, working extensively with payments, payment networks and gateways.  He started his career at Bank of Montreal amid the run-up to launching the first virtual bank in Canada.

As Vice President, External Ecosystems, Franklin positions TD for future success by developing and shaping partnerships, acquisitions, and strategic relationships across innovation ecosystems. Additionally, Franklin leads UGO – a growing business-to-business service offering and accelerator. Franklin also leads the Bank’s approach to Open Banking and the advancement of TD’s Digital Identity agenda.

Franklin represents TD on both the Digital Identification and Authentication Council of Canada (DIACC) and Financial Data Exchange (FDX) boards.

Franklin is a graduate of the Kellogg School of Management, Northwestern University with a Master of Business Administration. He also holds a Master of Science in Electrical Engineering from École Supérieure D’Électricité. He is passionate about giving back and deploying technology to solve community problems. Outside of work, Franklin enjoys travelling and spending time outdoors with his wife and 3 kids.

Geetika Tiwari is a Director with over 17 years of experience across Software Development, Quality Assurance, Solution designing and Business transformations. She focusses on how to efficiently and effectively deliver digital financial services which can be quickly scaled to enterprise levels. She believes that open banking can expand the payment grid in North America to financially include the often excluded segments of the market. Prior to joining CIBC, she was Consultant in Tata Consulting Services Limited Canada where she worked in Credit domain(Equifax) and Financial domain(Reserve bank of India). She led and delivered various transformation initiative in retail and commercial Payment domain across her career. She has a knack of asking hard hitting questions and provoking intelligent arguments to benefit the audience.

Geetika recently completed ‘Business of Payments’ from Rotman School of Management and have participated in ‘Payments Canada Summit’ and ‘Women in Payments conference’. She has Masters in Computer Applications as well as Master Certification in Data Analytics and Leading sustainable & strategic change from Schulic Executive Education Centre. When not working, she can be find cooking different recipes and spending time with her family.

If I ever get the opportunity for a memoir, well one that someone would read, it would be called “The Accidental Career”. I’m fascinated with physics and their applications in the real world, and here I am leading Digital Transformation at Mainstreet Credit Union.

How did I get here? A long, winding, and amazing road full of luck and leaps.

I obtained an engineering degree, Western 2004, and learned that the best part of my program was learning to break things down and put them back together in new ways. Yet, I graduated as an Engineer with no awareness of where I could go. After experiences with a few companies in building automation and energy, I landed a role at TD Bank and the idea of a career started to form.

My roles included managing an asbestos program, a construction pipeline, Omni Distribution and channels strategies, and lately leading a team of product owners developing software. Through this array of widely diverging jobs, I learned that the best part of every role was working out how to help each team achieve more than they thought possible, and use technology to make things easier.

Digital Transformation is the perfect next step and I am excited to join Mainstreet to work with everyone making it even easier for our members to do business with us.

I live in London with my wife, Jen, our three year-old daughter Eva, and our menagerie of dogs (Oliver, Piper, and Morgan), and cats (Chazz and Phoebe).

I am passionate about strong communities, and am proud to work with a group that reinvests. I volunteer with the United Way, Animal Rescue Foundation, Verge Social Capital, and the London Chamber of Commerce. As a proud southwestern-Ontarian, I was honoured to be recognized by Business London Magazine in 2016 as a “Top 20 Under 40” recipient.

My hobbies include getting lost in a solid video game or novel, playing baseball, and teaching myself to drum. Recently, I’ve taken any chance I can to be out cycling and you are likely find me in a coffee shop in any of our many towns.

Sharing my favourite…

Books: “1984”, “Infinite Jest”
Films: “2001: A Space Odyssey”, “Office Space”, “Charade”
Video Games: “Bioshock”, “Dark Souls”

Prior to KPMG was the Chief Technology & Operating Officer at Payments Canada. Prior – 25+ years of experience in financial services spanning strategy, payments, technology, security, implementation, and operations.

Lecture annually at IGTB school of Business at Oxford University – attended MIT/Cambridge/Schulich and Charles Sturt.

Women in Payments Advocate for Women award in 2019 for support of female talent,gender-balanced leadership and workplace inclusion. Built an algorithm to look for unconscious bias and equalized pay outcomes at CIBC for tech and operations.

Spend my spare time creating content for the Musky Hunter TV show on World Fishing network/You Tube, have an Apiary at my farm in Buckhorn Ontario as well always busy like my bees!. Write articles for Northern Ontario Travel.

As General Manager of Wipro Canada’s Banking, Financial Services and Insurance Sector, John is responsible for this crucial sector’s overall strategy and direction. Wipro is a leading technology services and consulting company focused on building innovative solutions that address clients’ most complex digital transformation needs. Wipro is recognized globally for its comprehensive portfolio of services, strong commitment to sustainability and good corporate citizenship, with over 260,000 dedicated employees serving clients across 66 countries. Before joining Wipro 1.5 years ago, John worked with leading multinational firms as a global IT executive with in-depth North America and emerging marketplace experience in creating high-value IT-based business solutions and partnerships that help organizations gain strategic market advantage. Also, he has been a former Canadian ex-pat in Tokyo, Japan, and Beijing, China, for five years, he brings a unique perspective to Wipro Canada.

Judy Li is the Director of Information Management, Data Analytics and ISO at Payments Canada. Judy is responsible for the organization, governance and analytic usage of payments data, as well as the development and implementation of ISO 20022 messages used in the payments systems and advocates for industry wide adoption.

Prior to joining Payments Canada, Judy led the software development and quality assurance teams in various industries.

Krista Broughton brings over a decade of experience developing the emerging payment landscape, working closely with partners to bring new lines of business to market. Krista has driven growth within issuing, acquiring, tech incubator, start up and mobility environments, working with organizations including Scotiabank, Moneris, ElementAI and Telus.

She brings a passion for data driven collaborations and a curiosity about innovation within consumer directed finance. Krista holds an MBA from the Richard Ivey School of Business at the University of Western Ontario.

As the Senior Vice-President & Group Head of Personal Banking at Equitable Bank, Mahima leads EQ Bank, Canada’s leading digital bank, the Single-Family mortgage businesses, the decumulation lines of business in Reverse Mortgages and CSV Lending, Marketing, and the distribution of deposit products through the Financial Planning channel. Mahima joined Equitable in 2016 to lead the Corporate Development team, grew her mandate to include digital banking and marketing in 2019, and eventually to lead the Personal Banking division in 2020. Under her leadership, Equitable has acquired both Bennington Financial and the Maple Bank portfolio and introduced the decumulation lines of business; while EQ Bank surpassed $7 billion in total deposits, and successfully introduced a suite of new products and features.

Mauricio leads the Banking & Capital Markets Sector for Canada. He has 30 years of consulting experience, primarily in financial services where he has worked leading large client transformation programs as well as strategic growth initiatives. His experience has been with Retail Banking,Commercial as well as Wealth and Asset Management. Actively participated in technology forums and associations to represent the IT industry with the Ecosystem.

Mauricio is a graduate of Business at the Universidad Iberoamericana as well as postgraduate studies at IPADE business school.

With nearly 30 years in payments and digital banking, Mike has helped drive a generation of innovation in payments. Mike’s career began in the earliest days of debit card roll-out and Internet banking in management roles with Bank of Montreal and the Canadian Bankers Association.

As head of Visa Canada’s product team from 2004-12, Mike oversaw the launch of new products including chip cards, RFID/tap cards, Visa Debit, prepaid and digital wallets. As a member of the global product leadership.

With over 20 years of experience in IT delivery and digital strategy, Natacha is an innovation leader and key player in National Bank of Canada’s digital transformation. She led the implementation of the first iteration of the Bank’s open banking channel and she is currently Business Lead in its Open Banking Center of Expertise.

An avid soccer player, Natacha brings a spirited energy on and off the field. She is involved in many leadership programs, as a coach and mentor, notably at National Bank, in the L’Effet A program and during conferences, such as Numérique au féminin.

Paul-Emile has been active in the fields of Research, Consulting, Fundraising and Business Development for the past fifteen years. In 2007, he completed his honours degree in History, Political Science and Canadian Studies at the University of Toronto. In 2010, he completed his Masters in Environmental Studies at York University, with a focus on Indigenous knowledge and a major research paper titled: The Traditional Rights of Ways on the Walpole Island First Nation.

He has served as a member of the Research Advisory Committee with Canadian Energy Research Institute, the Chair of the National Advisory Committee with ORIGIN Inc. and the current President and Chair of the Board of Directors for Aboriginal Legal Services. He currently resides in Toronto and is an avid follower of sports and business.

Peter Tilton is the Chief Digital Officer, Personal & Commercial Banking (P&CB) for RBC. In this role Peter is responsible for helping to drive RBC’s shift to a more technology-enabled, digitally-driven bank. More specifically, he is responsible for identifying and capitalizing on ways to leverage digital to further position RBC as a global leader in digital banking. Peter has oversight of building the framework to drive the convergence of digital channels with sales, service, and contact centre platforms. Peter is also responsible for direct client experiences across mobile, online, tablet, wearables including banking, direct investing, wallet, and rewards solutions.

Prior to joining RBC in 2016, Peter was Head of Digital Banking for Australia & New Zealand Banking Group Ltd. (ANZ Bank). Peter’s previous roles at ANZ included leading the Analytics & Insights, ATMs, Foreign Exchange, International Banking and International Payments functions.

Peter has a Computer Science and Education Degree from the University of Melbourne and his Master’s in Human Resources Development from Queensland University of Technology.

Peter lives in Toronto, Ontario with his wife and daughter.

Phil is a 27 year IT veteran, with over 20 of those years in banking. Phil started his banking career at a UK building society, with a few years sabbatical working in UK Government and more recently for a BC Health Authority, before joining Coast Capital Savings. During the last 6 years at Coast, Phil has helped the credit union mature its enterprise architecture practice & plan its modernization toward becoming a truly “digital bank”. As part of that work, for the last 4 years, Phil has been deeply focused on developing Coast’s Open Banking response.

Rizwan Khalfan is responsible for setting the strategic direction for all digital and payments activities, while creating more intuitive, personalized and integrated experiences that help customers live their lives. Rizwan’s mandate includes partnering with business units across the organization to strategically invest in transformational digital capabilities, overseeing the evolution of the payments ecosystem, and collaborating with innovators, fintechs and start-ups, all with an eye on delivering differentiated experiences to customers and employees.

Prior to this role, Rizwan was responsible for delivering the technology strategies and development supporting the bank’s North American ATM, Phone and Online/Mobile channels. He has held roles of increasing seniority since joining TD in February 2002.

Before joining TD, Rizwan worked for Citigroup, overseeing their Operations and Technology in Europe.

A CFA charterholder, Rizwan is a graduate of the University of Toronto. He is married with three children, and actively involved in his community, serving on the Board of his children’s school. He is an avid tennis player.

As Director Strategy – Emerging Businesses, Sandeep leads BMO’s efforts on monitoring and driving strategy, integration and business response towards disruptive market forces that drive the evolution of payments, retail and business banking (such as Open Banking, RTR, Digital Assets, Banking as a Service & others). He is also responsible for the creation and ongoing refinement of Horizon 2, 3 roadmap to inform capability gaps to defend against disruptions.

In addition to this role at BMO, Sandeep is an exec advisor to the Masters of Digital Product Management program at Queen’s University and volunteers as a Strategic Partnerships Lead for TEDx Toronto.

Sandeep is a graduate of the Smith School of Business, Queen’s University with a Masters of Business Administration degree. He also holds a Bachelor of Engineering degree from the National Institute of Engineering in India.

Sandy Kyriakatos is a seasoned thought leader in the field of data and technology, with a strong track record of success in driving business growth and competitive advantage. She has helped clients to focus on harnessing the power of their second most valuable asset — Data. Through the relentless pursuit of both Innovation and Ethics, her mantra is to use the Power of Data for Good.

As Chief Data Officer at Equifax Canada, Sandy Kyriakatos leads Consumer and Commercial Data, Data Acquisition, Data Governance Quality and Policy, and Data Modernization including Data Contributor Services. Data alignment and synergy across Equifax Canada, in particular as it pertains to the Quality of our data, is a foundational priority.

Sandy has had an extensive career in highly sensitive senior information and analytics roles in both public and private sectors. She was the first CDO for the Government of Canada at Employment and Social Development Canada, as well as the CDO at Canada Border Services Agency. Additionally, she has led data and analytics across industry verticals including at Loyalty One, SAS Canada, and Canada Post.

Sean McCarthy is a Financial Services Industry leader at AWS. Sean is focused on helping customers identify use cases and industry solutions that leverage the transformational power of cloud computing. He engages with C-level executives and influencers at all levels, working closely with teams across AWS, to build relationships with financial institutions of all sizes across all market segments, from FinTech startups to the largest banks, insurers, broker- dealers, and exchange groups in the world.

Sean has almost 20 years of financial services experience, with leadership roles in digital transformation, customer experience, marketing strategy, partnerships, and payments. Sean joined AWS in 2019 as the Partner Alliance Lead for Deloitte Canada, and became the Financial Services Industry GTM leader for Canada in 2022. Sean’s passions are helping organizations transform the customer experience, developing new business opportunities, and leveraging the power of AWS to drive innovation.

Sean is based in Toronto, Canada.

Shruti is a purpose-driven leader with 13+ years of extensive global experience spanning roles that leveraged her Thought leadership, strong and collaborative Strategic mindset, and pathbreaking initiatives across Digital, Cards, Payments & Open Banking. Her passion for customer centric outcomes and staying on top of the market pulse has contributed effectively to her stint in India and Dubai in shaping up numerous Open Banking initiatives.

Along with her core assignment, Shruti is co leading the International Professionals Network at CIBC, with a member base of 3000+ and expanding! She is also a Networking Circle Leader with CIBC’s Women’s Network and a Committee Member of PBB IDAC’s Inclusive Leadership Pillar, actively contributing to causes close to her.

Shruti likes to self-identify as an Intersectional Feminist and an advocate of Women’s Financial Literacy, Equal opportunity and equal pay.

She is a Youth Mentor at Skills for change and TRIEC mentor for the new immigrants to Canada.

She is also a member of Ascend Canada to enhance the presence, visibility and influence of current and future Pan-Asian business leaders.

Shruti is also the Co-Founder of an online community for working women on Facebook with 1200+ followers called Women in Workforce. She is a Council member of WICCI for Banking & Credit Forum and an active member of Women in Payments, and Women in Open Banking.

Stephanie is Vice President, Enterprise Payments Risk and a member of the Financial Crimes Risk Management Team at Scotiabank. She has responsibility for the governance and oversight of Payments Risk across Scotiabank’s global footprint. Stephanie has more than 20 years of experience in Cash, Treasury and Card product innovation and management; sales, marketing, and business development; and operational, cyber, and fraud risk management. Stephanie is the Board Vice Chair of Mackenzie Health and a former Director of Payments Canada. Stephanie has earned an LL.M. from Osgoode Hall Law School at York University, an MBA from the Ivey School of Business at UWO, and the ICD.D certification from the Rotman School of Management at U of T.

Steve Fusco is the Financial Services Industry Director for America at VMware, responsible for VMware’s AMER financial services industry strategy and CXO relationships. Prior to VMware, Steve was head of Corporate Office Technology and IT Portfolio Management at TD Ameritrade where he was responsible for the technology strategy and portfolio management. Before TD Ameritrade, Steven was the Vice President of End User Computing and Digital Workplace at Fidelity Investments. He was responsible for the employee experience for 55,000 employees and created a digital workplace based on consumer-grade technology at enterprise scale. Steve also has extensive private equity experience and was the Senior Vice President of Technology at Devonshire Investors, responsible for 14 investment businesses as well as the World Trade Center in Boston. Steve earned a degree in Business Administration from Northeastern University and has been a guest lecturer at Boston University.

Steven has twenty+ years of experience across financial services, interactive media and telecom. He has a proven track record of leading global teams in the design and delivery of IT infrastructure, architecture and applications while addressing complex business challenges. Steven drives product delivery at Portfolio+ across feasibility, requirements analysis, design, implementation, deployment and support.

Sue Britton is Co-Founder of Fathom4sight Inc., a knowledge-as-a-service platform with advisor support built in, designed to provide extensive data and insights on financial product innovation, FinTech and traditional FI’s, and much more. Prior to Fathom4sight, Sue was Founder and CEO of FinTech Growth Syndicate (FGS), an award winning corporate innovation-as-a-service firm working with FI’s, retailers, tech companies and FinTechs, which she sold in 2021.

Sue’s entire career has been in financial technology and product innovation. After 25 years in business development and product innovation roles for Xerox, Symcor, Broadridge, and Finastra, she left the corporate world to become an entrepreneur and has never looked back.

Ted Spencer is currently a Full Stack Architect at TD Bank responsible for OpenBanking Technology Strategy, and Delivery.

Ted has a deep background in Technology including Cloud (AWS and Azure), IoT, and extensive use cases related system integration. His technology experience has been gained within banking, and numerous other industries, and includes experience in Canadian Federal and Provincial Healthcare messaging standards, and their adoption lifecycle.

Tom Carpenter is the Senior Vice President for Open Banking Policy, Industry & Standards Engagement at Mastercard where he leads Mastercard’s strategic advocacy on open banking and open finance with regulators, policymakers and industry partners in North America.

Tom’s career has placed him at the forefront of financial services innovation for two decades. Before Mastercard, Tom led policy and public affairs for the Financial Data Exchange (FDX), and prior to that role, Tom served a host of financial services clients as a federal lobbyist and policy strategist in Washington. Tom also served as a legislative aide in the U.S. Congress.

Tom has been a featured speaker in many different financial services conferences, events and government hearings over the years and his perspectives can often be found in press, media and podcasts related to open banking and open finance.