Instant Payments Summit Leadership Board

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

Emily is a Partner at RPY Innovations with a background in payments technology implementations as well as fraud/risk management and mitigation. Emily works with clients to analyze and mitigate systemic risk, build regulatory compliant operational workflows and occasionally dabbles in technical wizardry to pinpoint faulty payment integrations with punitive financial impact.

Prior to RPY, Emily was a technical product manager at a payment technology company serving the telecom vertical where she gained experience designing and implementing microservices and API integrations along with learning industry infrastructure like ISO 8385 parsing.

Emily serves as Co-Chair of the ETA Risk & Fraud Committee where she leads knowledge development conversations around topics like ethical hacking and transaction laundering. She is an ACAMS Certified AFC AML Auditor.

Steve Mott is a thoughtful and independent strategist with decades of experience analyzing the economics, risks, and future of global transactions. As Owner of BetterBuyDesign, he advises organizations navigating the complex realities of conducting business in an increasingly digital, interconnected economy.

Grounded in the belief that “we transact, therefore we are,” Steve focuses on how individuals and institutions monetize value through trusted interactions. His work examines the structural challenges facing traditional financial services—particularly in the wake of the 2008 credit crisis—and the need for more resilient, transparent, and sustainable transaction models.

Steve’s expertise spans transaction economics, competitive and market assessments, M&A support, expert witness engagement, and strategic advisory, helping clients evaluate opportunities with clarity and rigor. He is also known for meta-research, synthesizing diverse data sources into a unified, actionable perspective. Through his work, Steve remains committed to enabling secure, cost-effective, and future-ready transactions that support long-term confidence in free-market systems.