Emily Baxter is Partner at RPY Innovations, specialising in payments, risk management, fraud prevention and regulatory compliance. She also serves as Co-Chair of the Risk, Fraud & Security Committee at the Electronic Transactions Association, bringing extensive industry experience across payment processing, financial crime controls and payments innovation.
David Patrick is a senior Payments and Financial Services leader with 15+ years of experience across payments, payment cards, banking technology, and financial services. As Founder & Managing Principal of Patrick Advisory, he leads strategy, delivery, and key client relationships for payment-focused engagements.
David brings extensive experience in real-time payments, payment modernization, core banking transformation, and product strategy, having held senior roles across consulting, payment networks, and Canadian banking. His career includes 10+ years at Visa, 3+ years as Director of Real-time Payments at Canada’s payment and clearing systems organization, and 10 years in product management at a leading Canadian bank.
Previously a Canadian Payments Practice Leader at a global Big Four firm, David has led complex payments modernization initiatives across Canada and internationally. He is also an active thought leader, industry speaker, and contributor to payments industry research and reports, bringing strategic insight and practical expertise to the evolving payments ecosystem.
Carrie Forbes is a visionary leader, creative strategist, and the driving force behind
Rockstar Advisory. With past CEO and executive roles, she has successfully
spearheaded major digital transformations, and guided organizations through
significant changes, spanning diverse industries from fintech to cooperatives. Her
deep background in learning and development, change management, and strategic
execution has empowered people and businesses to change, innovate and grow.
She has received numerous nominations and industry awards, including being the
recipient of the 2024 International Woman of the Year award from Open Banking
Expo in London, UK
Craig Borysowich is a Global Banking & Financial Services expert with over 30 years of experience leading digital transformations at financial institutions, central banks, and payment service providers. Craig previously was the Director of Enterprise Architecture for Payments Canada. He is the author of the book ‘The Better Practices Guide to Change’ and is the Chair of the Canadian mirror committee for ISO TC68 on Financial Services that sets the ISO 20022 standards and others.
(14) BK ADVISORY & FRACTIONAL: Overview | LinkedIn
Bhavna Kaushal is a banking and fintech executive turned strategic advisor who helps senior leaders and teams navigate market, regulatory, and technology shifts to drive growth. She has built a career defined by reinvention, innovation, and leading through complexity spanning Fortune 100 companies, global banks, and high-growth fintechs across 25+ international markets. A frequent contributor and thought leader at industry forums, Bhavna is recognized for delivering market-shaping innovations in Canada and the U.S. She holds an MBA from the Schulich School of Business and was honored with the 2023 Women in Payments Social Impact and Sustainability award.
