Digital Banking USA Agenda

Day One | September 28


Registration and breakfast


Chairs opening remarks

Day 1 Moderator: Rob MacPherson, Head of Corporate Development, Phyton Consulting

9:00 – 9:35

Challenges of transitioning from legacy infrastructure to the next generation of digital

  • Executing between transformation strategy and initiatives execution across the business
  • Reducing the cost and time it takes to make change
  • Ensuring process is made easier for the customer when digitally transforming
  • Enhancing digital infrastructure to better integrate with partners
  • Understanding how AI and ML is being used for digitization
  • Ensuring governance is carried out correctly to identify potential new risks
  • Aligning transformation targets across an institution
  • Transforming digital service to compete with digitally and tech focused companies
  • Improving connectivity of online and in branch technology
  • Adhering to regulations when digitally transforming
  • Effectively managing technical debt when transforming digitally
  • Developing digital transformation at an enterprise level

Isabelle Jang, Director, RBC 

9:35 – 10:10

Managing third party risk within the banking as as service space

  • Session details coming soon

Konstantin Konstantinovsky, Associate Partner, Head of Process and Operational Excellence, Phyton Consulting


Morning refreshment break and networking

10:40 – 11:25

Assessing what lessons legacy banks can learn from fintech digital only banks through collaboration and partnerships

  • Regulatory disparities between legacy and digital banks
  • Assessing how firms partner with the best fintechs and solutions for the customers benefit
  • Analyzing competition for customer experience between banks and big tech companies
  • Partnering with fintechs to create journey based experiences
  • Sharing data and experience to build digital relationships with fintechs
  • Adapting strategies to compete with seamless customer experience of big tech organizations
  • Reviewing how fintechs are leveraging AI to create products and protect against fraud

Benjamin Maxim, Chief Digital Strategy & Innovation Officer, MSU Federal Credit Union

Rodrigo Suarez, Chief Banking & Innovation Officer, Piermont Bank

Curt Queyrouze, President, Coastal Bank, Coastal Financial Corporation

Chris Pinkerton, Chief Growth Officer, Flybits

11:25 – 12:25

Incorporating and improving the use of generative AI and chatbots within institutions

  • Identifying APP fraud risk with consortium data and analytics
  • Uncovering fraudulent activity with cross-channel analytics
  • Profiling payees across a network of international banks
  • Identifying risky counterparties such as money mules
  • Reducing blocked transactions, false positives, losses and operational costs

Miguel Navarro, SVP, Business Technology Executive – Conversational AI Enterprise Delivery, KeyBank


Lunch break and networking

1:25- 2:10

Enhancing generative AI tools for use within the banking sector

  • Safety, ethical challenges and responsibilities with the use of ChatGPT
  • Understanding how large language models can support and enhance a user’s journey
  • Use of large language models whilst adhering to regulatory requirements
  • Understanding and overcoming bias challenges
  • Need for large volumes of accurate data
  • Improving the precision of generative AI for certain tasks
  • Reviewing areas of a bank that generative AI can be used to improve services
  • Digitizing manual process through the use of large language models
  • Demonstrating transparency and trust with generative AI models
  • Assessing the accuracy of generative AI output
  • How will the use of ChatGPT continue to evolve within banking?

Dr. John Almasan, Senior Managing Director, Head of ClienTech and AI, TIAA

Miguel Navarro, SVP, Business Technology Executive – Conversational AI Enterprise Delivery, KeyBank

Stan Yakoff, Head of Americas Supervision, Citadel Securities

Jeff Evernham, VP Strategy & Solutions, Sinequa

2:10- 2:45

Reviewing how digital environments are preparing for or already using open banking as a tool

  • Leveraging open banking to benefit retail sector and institutional clients
  • Overcoming the challenge of aggregating bank accounts
  • Enhance security when aggregating bank accounts to ensure protection of customer’s data
  • Lessons learnt to effectively implement and manage open banking
  • Legacy issues when it comes to implementing open banking
  • Applying AI and Machine learning to open banking and open data

Akita Somani, SVP BNPL/POS Lending, DEI Champion, U.S. Bank

2:45- 3:20

Use of AI and ML to conduct predictive analytics on data and bring new products to the market

  • Importance of accurate data for AI and Machine Learning
  • Carrying out required due diligence on AI solution providers
  • Ensuring digital data is applied in a appropriate way
  • Leveraging AI to improve digital experiences
  • Reviewing current and future capabilities of AI within a institution
  • Optimizing current process with AI to enhance a customers experience
  • Building predictive analytics on top of available data
  • Discussing how AI and Machine Learning will be regulated within firms

Surendra Reddy Challapalli, VP, Citigroup


Afternoon refreshment break and networking

3:50- 4:25

Keeping up with the pace of technological advancements

  • Upskilling workforce to keep ahead of technological developments
  • Ensuring technology is built out correctly and capabilities fully utilized
  • Assessing usage patterns to understand best practice and improve new technology adoption
  • Assessing the investments within tech whilst anticipating a recession
  • Improving efficiencies in operations with latest technologies
  • Assessing developments in cloud technologies
  • Assessing the technological capabilities of quantum computing

Gaurav Gupta, Executive Director, Global Security Assurance, formerly of JP Morgan Chase

4:25- 5:00

Leveraging blockchain technology to build new market infrastructure

  • We have come a long way – the state of affairs of AI in AFC
  • Productivity is king – speed up your compliance operations with AI
  • Solving the false-positive conundrum through AI

Thomas Sullivan, Managing Director, Societe Generale

5:00- 5:35

Reviewing how technology has become an enabler to fully digitize treasury operations

  • Public Private collaboration in the cryptoasset ecosystem
  • Common cryptoasset money laundering methodologies
  • Finding a balance with cryptoasset development with risk of exploitation
  • Upcoming legislative changes
  • UK tax position on cryptoasset and addressing serious non compliance

Ashutosh Tripathi, Managing Director, Mizuho


Chair’s closing remarks


End of day one 

Day Two | September 21


Registration and breakfast


Chairs opening remarks

Day two moderator: Mona Vaswani, Partner,  Milbank LLP

9:00- 9:45

Anticipating how the real-time payments landscape will continue to grow over the next year

  • Shifting real-time payments out of siloed applications and viewing holistically
  • Complexities of real time payments across jurisdictions
  • Digitizing and automating treasury operations to enhance real-time payments
  • Challenges and opportunities with the increased use of real-time payments
  • Collaboration with European firms to enhance real time payments
  • Ensuring risk controls are in place for real-time payments
  • Operational risk of keeping up with real-time payments
  • Preventing heightened fraud risk due to shortened life cycle of real-time payments

Clare FortuneED, Global Liquidity & Deposit Account Solutions, JPMorgan Chase & Co. 

Barry Baird, Head of Payment, TD AMCB, TD Bank

Jim Maimone, SVP, Senior Enterprise Payments Platform Product Manager, Citizens Bank

9:45- 10:20

Enhancing customer experience to compete with digital banks and big tech organizations

  • Advancing model documentation
  • Challenges with rules-based models
  • Moving to more advanced modeling techniques
  • Connecting the dots from rules based to advanced modeling
  • Maintaining explainability of models
  • Setting thresholds based on expert judgement

Sean Albertson, former Head of Client Experience Measurement & Analytics, formerly of Charles Schwab


Morning refreshment break and networking

10:50- 11:25

Improving the customer onboarding process and removing any unnecessary friction

  • Enhancing user experience across different providers
  • Understanding how internal silos can limits seamless customer journey
  • Cost to create and improve digital experiences
  • Ensuring customer data privacy is adhered to on your platform
  • Blending digital and in-person channels to enhance the user experience
  • Crafting a seamless digital journey based on core experiences
  • Reliance on data and infrastructure for an efficient digital journey
  • Use of middleware to improve digital experiences
  • Understanding various customer behavior to enhance a customers journey
  • Managing a lack of tolerance from customers
  • Enhancing experience through using journey mapping and UX analytics

Amresh Mathur, Head of Digital Acquisitions and Customer Experience, Citizens

11:25- 12:00

Leveraging digital platforms to better personalize and offer products in a more efficient way

  • Increased visibility into personal data
  • Ofcom empowerment to police websites
  • Increased focus on social media predators
  • APP fraud within social media markets
  • Online Safety Bill in minimizing investment fraud online
  • Role of telecommunication, Bigtech and social media in enabling fraud
  • Enhancing controls to identify fraud
  • Implementing a financial imperative across the ecosystem
  • Use of deep fakes in celebrity endorsements

John Stewart, Global Head of Commercialization, Global Transaction Services, Bank of America


Lunch break and networking

1:00- 1:45

Leveraging accurate data for a deeper insight on merchants, consumers and customers

  • Reviewing access of individuals and teams
  • Implementing the right controls to limit reliance on one individual
  • Independent review
  • Developing independent checks and balances
  • Oversight and review practices beyond audit
  • Higher risk of internal fraud in volatility
  • Reputation risks of embezzlement
  • Processes and reviews for employee access

Fiona J Deroo, MD, Global Head of Product Launch & Commercialization Groups, Bank of America

Alethea Avatara, SVP, Product Management Director, Wells Fargo

Michael T. Borgia, Partner, Information Security Practice Lead, Davis Wright Tremaine LLP

Gregory LutzGroup Product Manager, FullStory

1:45- 2:20

Staying ahead of fraudsters in a digitally enhanced environment

  • Anticipating increased risk for digitally transformed banks
  • Utilizing institutional knowledge to better understand and mitigate fraud risks
  • Understanding how fraudsters overcome compliance protocols in place
  • Increased mobile use and the potential fraud risks associated with this
  • Monitoring customer behavior to anticipate fraudulent behavior
  • Ensuring identity of the people you are doing business with
  • Ensuring risk controls are in place for enhanced digital systems security
  • Preventing reputational risk with sufficient cyber security controls
  • Combatting the increase of cyber and ransomware attacks
  • Enhancing cyber protection on digital and mobile banking apps

Jonas Vernon Ng, COO Laurel Road, a division of KeyBank, KeyBank


Afternoon refreshment break and networking

2:50- 3:25

Managing changing nature of risk in digital environments and how risk management needs to evolve

  • Overview of traditional risk management approaches
    • How does this need to be adapted?
  • Regulatory and customer response to evolving risks
  • Amplification of risk as a result of the power of social media
  • Transformation levers for modernizing your risk management process
  • Understanding what a robust risk management program could look like
  • Key challenges and best practice

Rahul Agarwal, SVP, Product Management, Wells Fargo

3:25- 4:00

Understanding how recent bank failures impact the evolution of digital banking and customer trust

  • How are volatile markets going to shake up and change the fintech landscape in a down market
  • Assessing how the downfall of SVB has impacted customer loyalty
  • Ensuring resilience and stability in volatile times
  • Effectively managing rates and creating new products to attract new depositors
  • Ensuring customer confidence throughout volatile markets
  • How can digital banks adapt the client experience in a volatile interest rate environment
  • Impact of mergers and acquisitions on clients and their experience
  • Overcoming reputational implications of recent banking failures
  • Digital banks competing with traditional firms in a down environment

Murat Kalkan, Head of New Digital Initiatives, BBVA


Chair’s closing remarks


End of Congress