Digital Banking USA Agenda
Day One | September 28
8:00-8:50
Registration and breakfast
8:50-9:00
Chairs opening remarks
Day 1 Moderator: Rob MacPherson, Head of Corporate Development, Phyton Consulting
9:00 – 9:35
DIGITIZATION AND DIGITAL TRANSFORMATION
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
BAAS
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
10:10-10:40
Morning refreshment break and networking
10:40 – 11:25
FINTECH COLLABORATION AND FINTECH DIGITAL ONLY BANKS – PANEL DISCUSSION
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
GENERATIVE AI AND CHATBOT WORKSHOP
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
12:25-1:25
Lunch break and networking
1:25- 2:10
CHATGPT/GENERATIVE AI – PANEL DISCUSSION
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
OPEN BANKING
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
AI AND MACHINE LEARNING
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
3:20-3:50
Afternoon refreshment break and networking
3:50- 4:25
TECHNOLOGY
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
BLOCKCHAIN
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
TREASURY
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
5:35-5:45
Chair’s closing remarks
5:45
End of day one
Day Two | September 21
8:00-8:50
Registration and breakfast
8:50-9:00
Chairs opening remarks
Day two moderator: Mona Vaswani, Partner, Milbank LLP
9:00- 9:45
REAL-TIME PAYMENTS – PANEL DISCUSSION
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 Fortune, ED, 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
CUSTOMER EXPERIENCE
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
10:20-10:50
Morning refreshment break and networking
10:50- 11:25
USER EXPERIENCE & CUSTOMER JOURNEY
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
PERSONALIZATION
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
12:00-1:00
Lunch break and networking
1:00- 1:45
DATA – PANEL DISCUSSION
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 Lutz, Group Product Manager, FullStory
1:45- 2:20
FRAUD & CYBER SECURITY
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
2:20-2:50
Afternoon refreshment break and networking
2:50- 3:25
HOLISTIC RISK MANAGEMENT
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
VOLATILE MARKETS
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
4:00-4:10
Chair’s closing remarks
4:10
End of Congress
