Adriana is the Executive Director of Fintechs Canada. Having spent most of her career in the financial services space, she is an accomplished public affairs professional, specializing in government and stakeholder relations, public policy, advocacy, and strategic communications. Before joining Fintechs Canada, she led government relations for Canada’s private capital industry at the Canadian Venture Capital and Private Equity Association and earlier worked at Scotiabank and at the Canadian Chamber of Commerce. With more than 15 years of experience across the private, public, and not-for-profit sectors, Adriana is a trusted voice shaping the future of Canada’s fintech ecosystem.

Alana Barnes is the Vice President of Digital Policy in the Payments & Digital Division at the Canadian Bankers’ Association (CBA) where she leads the development of the industry’s digital policy positions. She provides strategic guidance and thought leadership on various emerging issues, including on policy initiatives such as consumer-driven banking (open banking), artificial intelligence and digital currencies. Alana is responsible for working with Canada’s banks to effectively advocate on behalf of the banking industry to positively shape policy development with key stakeholders in government.

Fabio Marrama leads new product development, digital partnerships, and payments innovation to unlock opportunity and advance Meridian’s purpose of helping Members achieve their best lives.

With 14+ years in the co operative financial sector, he’s built a reputation for turning vision into scalable execution. Fabio has worn many hats in his career. Early on, he was recognized as one of Canada’s Top Financial Bloggers (2014) by the Toronto Star, Globe and Mail and Wealthsimple. He has spearheaded community partnerships such as the sponsorship of Meridian Hall in Toronto (2019), co-led Meridian’s Open Banking strategy, and today focuses on building modernized digital products and services and enabling embedded finance ecosystems.

Jeanne Pratt is Acting Commissioner of Competition at the Competition Bureau of Canada. She started this role in December 2025.

Prior to this, Jeanne was Senior Deputy Commissioner of the Mergers and Monopolistic Practices Branch. In this role, she oversaw  all investigations and litigation related to mergers, abuse of dominance and other civil anti-competitive conduct from 2015 to 2025.

From July 2017 to July 2018, Jeanne participated in an international interchange with the Australian Competition and Consumer Commission, where she held the position of Executive General Manager of the Merger and Authorization Review Division.

Jeanne first joined the Competition Bureau in 2009 as Special Legal advisor to the Commissioner of Competition as part of the Interchange Canada Program. From 2011 to 2015, she held senior management positions in the Cartels Directorate, where she oversaw criminal investigations.

Prior to her joining the Competition Bureau, Jeanne worked extensively in private practice, advising clients on all aspects of Canadian competition law and related litigation.

Maureen Di Sebastiano is Vice President of Open Banking for North America at TD Bank, where she leads the development and execution of the bank’s Open Banking strategy. Her team is responsible for enabling secure customer data sharing, driving innovative product experiences, and ensuring TD is well-positioned in a rapidly evolving regulatory and competitive landscape. Maureen plays a key role in shaping TD’s Open Banking capabilities – building partnerships, influencing policy, and delivering foundational infrastructure that supports future-ready, customer-centric services.

Over her more than 30-year career at TD, Maureen has held executive roles across Retail Banking, Wealth Management, and Technology in both Canada and the U.S. She is known for translating complex challenges into actionable strategies and leading cross-functional teams to deliver impactful results.

Maureen holds a Bachelor of Science from the University of Toronto and an MBA from the Lazaridis School of Business and Economics at Wilfrid Laurier University. She has held securities licenses in both Canada and the U.S. and is a committed community advocate, supporting organizations including United Way and 100 Women Who Care.

Ron Morrow was appointed Executive Director of Payments, Supervision and Oversight, effective January 2024.

In this role, Mr. Morrow is responsible for the supervision of retail payment service providers (PSPs) and the oversight of financial market infrastructures (FMIs). As well, he oversees the banking and payment services provided by the Bank of Canada. He also supports the Bank’s work on the evolution of payments in Canada.

The Bank’s supervision of PSPs focuses on building Canadians’ confidence in the safety and reliability of their services while protecting end users from specific risks. The Executive Director also serves as an independent reviewer of enforcement actions by the Governor of the Bank of Canada on the evolution of risks related to PSPs and the retail payments landscape.

The Bank’s oversight of FMIs focuses on ensuring that Canada’s critical financial infrastructures, which include payment systems, central counterparties and securities settlement systems, are resilient to a wide range of risks.

Mr. Morrow first joined the Bank in 1992 and has worked in several different areas across the Bank’s monetary policy, financial stability and funds management functions. In 2010, he became Managing Director of the Funds Management and Banking Department and then Managing Director of the Financial Stability Department in 2013. Mr. Morrow became an Advisor to the Governor in 2018, focusing on advancing the Bank’s strategic objectives related to retail payments, financial market infrastructure issues and the efficiency of the Canadian financial system.

Born in Thunder Bay, Ontario, Mr. Morrow earned an Honours Bachelor of Arts degree in economics with a minor in mathematics from the University of Waterloo. He also holds a Master of Arts degree in economics from Queen’s University.

Santiago Duro is the Director & Head of Open Banking at Scotiabank, where he leads and drives the Open Banking/Open Finance global strategy and platforms across Scotiabank.

Santiago is an experienced leader with 25+ years of experience in the Financial Services and Technology areas, managing established operations as well as launching new businesses, across America, Europe, Africa and Asia.

Santiago was previously the Chief Product Officer at Fintech Galaxy, where he guided the development of the FINX Open Finance platform. Before that he was the Group Chief Technology and Operations Officer for Y9 Bank where he led the Technology, Product and Operations organizations and launched a Digital Bank in Tanzania. He also led a Digital Wallet in Myanmar, growing to over 8 million customers in 2 years. Previously, he deployed and managed global digital platforms at ING from concept to launch of new products and services as well as he led EU product localization for Amazon.

Santiago holds an MBA from Anderson School of Management (UCLA), an MSEE from Universidad Politecnica de Valencia, Spain and a Master in Business Innovation from Universidad Catolica de Chile.

Stephanie is an experienced financial services executive with over 20 years of experience in payments and treasury product development and management, sales business development, and operational, technology and financial crimes risk management.

Stephanie has earned an MBA, a Masters of Laws, a Bachelor of Science and certificates in cyber risk management and information security management.

Stephanie has contributed to industry, employment and community boards including Payments Canada as a Board Director, as well as serving as the Chair of the Human Resources Committee and on the Industry and Financial Risk Committees. She was a Board Director for Citi Cards Canada Inc., Procuron, Mondex, Youth in Motion (now Plan Canada) and is the former Board Chair of Mackenzie Health.

Val Kugathasan is the Director and Head of Innovation & BPI at ADP Canada, working within ADP’s global Money Movement organization. In his role, he leads the end-to-end lifecycle of innovation — from ideation to execution — across payments, digital transformation, and client experience initiatives in the IMM regions of Canada, the UK, and Australia. Over the last two decades, Val has held leadership roles in top-tier consulting firms, helped scale Ethoca into a global fraud mitigation platform, and launched the first, fully digital P&C insurance products in both Canada and Belgium.