Laurent Hesnard
Enterprise Sales Director
Mollie Markham, Manager, Customer & Industry Relations for Federal Reserve Financial Services (FRFS), is responsible for cultivating relationships among industry leaders to drive advancements in the U.S. payment system. Mollie leads various industry feedback and collaboration opportunities to inform strategic initiatives across FRFS, which serves more than 9,000 financial institutions nationwide. Charged with driving broad payment improvements and instant payment adoption, she has successfully facilitated industry work groups, built educational programs, and developed impactful industry events. Mollie joined the Federal Reserve in 2017, and received a bachelor’s from University of Wisconsin, Madison, and a master’s in economics and policy analysis from DePaul University.
Otmane Oudrhiri is a Senior Vice President and Senior Engineering Manager at Zions Bancorporation, where he leads engineering across payments and digital assets. With nearly two decades of experience in banking and financial technology, his work spans payment modernization, real-time payments, ISO 20022, tokenized deposits, stablecoins, blockchain infrastructure, and artificial intelligence. Otmane is particularly focused on how emerging technologies can integrate with existing banking infrastructure to modernize the movement of money while maintaining the security, resiliency, and regulatory controls expected of financial institutions.
Sabrina Chin is VP, RTP Product Management at The Clearing House. She has been at the forefront of payments throughout her career, leveraging a product mindset to address business and customer needs. Prior to The Clearing House, Sabrina spent nine years at Walmart, with earlier experience in consulting and financial services product management.
Raksha Bhola is Director, Payments Strategy at Jack Henry, where she leads client engagement and guides financial institutions through market shifts, growth priorities, and payments innovation. She brings a forward-looking perspective on how modern payments are reshaping financial services, with a focus on competitive positioning and long-term value creation. Her banking experience includes driving enterprise payments strategy and advancing faster payments, treasury management, product development, and international payments. Raksha is a frequent industry speaker on payments strategy, emerging trends, and the changing dynamics of money movement. She serves on the EPCOR Board and the FRFS Retail Advisory Council and holds an MBA from Michigan State University.
Patrick Brown, Vice President of Fraud Prevention & Detection Manager at Primis Financial Corp., where he leads enterprise fraud risk strategy, investigations, and prevention programs across retail, commercial, and digital banking channels. With more than 25 years specializing in fraud prevention, BSA/AML compliance, and financial crimes investigations, Patrick has extensive expertise in regulatory compliance, fraud risk management, and emerging fraud threats.
Throughout his career, Patrick has held financial crimes leadership and investigative roles at Primis Financial, Wells Fargo, and Capital One. He is a Certified Anti-Money Laundering Specialist (CAMS) and actively collaborates with law enforcement and industry partners to combat financial crime. Patrick is also a frequent educator on fraud prevention, delivering training to banking professionals and community groups on fraud trends, scam awareness, and financial exploitation prevention.
Andy Hurt is VP, API Channel Leader for U.S. Bank Treasury & Payments Solutions. For the past several years, Andy has lead, alongside an expert stakeholder constellation, to grow the platform to more than 50x client adoption and 800x in gateway volume, winning six industry awards and a best-in-class rating among marquee competition. Andy is a veteran of the United States Marine Corps, earned a bachelor’s in Philosophy from Columbia University, and currently resides in Minneapolis, Minn.
Mark is a Senior Manager in the Consulting practice of Ernst & Young LLP advising clients on strategic matters related to enterprise payments modernization journeys, commercial and cash management product innovation, and emerging payment technologies. He brings over 20 years of payments and financial services technology experience at technology organizations and a primary market research company to the role.
Robert M. Reed is Chief Operations Officer at International Bank of Chicago, where he oversees electronic funds transfer, an ecommerce banking business spanning large money service businesses and foreign correspondent banks, and board-level risk reporting.
Robert has spent 30 years in BSA/AML and enterprise risk leadership at institutions including J.P. Morgan Chase, The Options Clearing Corporation, BMO Capital Markets, and Ankura Consulting Group. He has led more than 100 AML examinations with U.S. federal, state, and global regulators, including the closure of formal written agreements and a $2.6 million FDIC consent order item.
Robert built EDD Profiler, an AI platform that automates enhanced due diligence for banks. It scores customer risk across multiple dimensions, screens for adverse media, detects transaction patterns such as structuring, and produces examiner-ready EDD reports in minutes instead of the three to five hours a manual review takes.
Robert holds an MBA in Strategy from the University of Notre Dame’s Mendoza College of Business and a B.A. from Lewis University. He serves on the board of Traffick Free and mentors students through District 203’s INCubatoredu program.
Karyna Do Monte is a payments transformation leader with more than a decade of experience leading end-to-end program delivery across Fedwire, CHIPS, SWIFT, ACH, RTP, FedNow, and ISO 20022 for global banks, central banks, federal agencies, and Fortune 500 clients. Currently Vice President of Morgan Stanley’s US Self-Clear initiative of direct Fedwire and CHIPS participation. Known for her leadership and delivery of the Central Bank of Aruba’s national instant payments platform and acting as senior trusted advisor to the CTO of Banco de Crédito del Perú during the digital modernization and launch of mobile instant payment app, Yape. From 2015 to 2024 she ran her own consulting practice serving clients in NAM and LATAM including JetBlue, Johnson & Johnson, and Oscar Health. She holds master’s degrees from Boston University and Florida International University, is trilingual in English, Spanish, and Portuguese. Based in New York.
I am a Vice President and Product Leader at East West Bank, leading payments products for retail and small business banking platforms and overseeing more than $10 billion in annual payment volume. My experience spans payments modernization, real-time payments, fraud prevention, and emerging payment technologies. I have led initiatives including Zelle for Business, Alipay Wallet integrations, and NOW network adoption, driving significant digital growth and customer innovation. A graduate of the Stanford GSB LEAD program, I am passionate about building the next generation of intelligent, secure, and customer-centric financial services.
Nanci McKenzie is an experienced speaker and a recognized expert in the field of payment technology. She is currently a Director, Product Operations Treasury Management, ACH Expert with Capital One. With over 40 years of experience in the payment technology industry, Nanci has a wealth of knowledge and expertise in payment processing, fraud prevention, and risk management.
Nanci holds a B.S. in Business and Information Management from Seminole State College and a Juris Master’s degree in Financial Regulation & Compliance from Florida State University College of Law, and a Master of Legal Studies from Thomas R. Kline College of Law at Drexel University in two concentrations, Financial Regulatory Compliance and Cybersecurity and Data Privacy. She is also an Accredited ACH Professional (AAP), an Accredited Payments Risk Professional (APRP), and a Certified Anti-Money Laundering Specialist (CAMS).
Ksenia Shnyra is Principal, Digital Assets Americas at Tonic, where she leads strategic advisory and market development across institutional and crypto-native digital markets. She works with banks, asset managers, market infrastructures and digital-asset firms on stablecoins, tokenized money-market funds, digital-asset strategy, infrastructure design and settlement optimization. Previously, she was Program Lead and Platform Owner for Institutional Digital Asset Trading at Standard Chartered and Global Head of Platforms for Algorithmic Trading Controls.
Oscar leads the product strategy and commercialization of embedded banking, APIs and portal experiences for Citizens’ commercial clients. Oscar has over 20 years of experience in digital channels, transaction banking and technology. He is a frequent speaker at industry events and a contributor to industry publications. Prior to joining Citizens, Oscar held leadership roles with multinational organizations, including Santander Bank, Marsh McLennan, and Deloitte. Oscar is based in Boston, MA.
Courtney Bloomer is a Senior Manager of Payment Strategy at Lowe’s, where she leads enterprise payments strategy across omni-channel platforms with a focus on optimizing customer experience, conversion, and payment performance. She oversees strategic initiatives across digital wallets, consumer credit, co-brand programs, and emerging payment solutions while driving cross-functional alignment between Technology, Finance, Operations, and external partners to deliver scalable, customer-centric experiences.
In her current role, Courtney focuses on modernizing payment infrastructure, improving payment orchestration, and enhancing checkout performance across web, mobile, and in-store channels. Her work centers on balancing seamless user experiences with backend reliability, operational efficiency, and measurable business outcomes.
With deep experience spanning payments, customer financing, enterprise transformation, and retail operations, Courtney brings a practical perspective on how retailers can create unified checkout experiences that reduce friction, improve reliability, and drive conversion across every customer touchpoint.
Dana Woller is a Senior Vice President and Senior Bank Operations Manager at BOK Financial in Tulsa, Oklahoma, where she leads operations across electronic payments. With more than 12 years of progressive leadership in payments and over 7 years at BOK Financial, Dana is recognized as a forward-thinking leader driving payments modernization at scale.
Dana is the founder of the BOKF Payments Coalition and a key architect of the enterprise payments roadmap — a strategic initiative aligning technology investments with business objectives across payment rails, including the implementation of instant payments and modern payment infrastructure.
A champion of automation and operational excellence, Dana has led numerous initiatives leveraging RPA, AI, and advanced analytics to streamline operations, reduce risk, and improve the customer experience.
Dana is an active voice in the payments community, contributing to organizations such as NACHA’s Payments Innovation Alliance and EPCOR’s Payments Committee. She holds an MBA, the AAP and APRP designations from NACHA, and is a Prosci-certified Change Management Practitioner.
Dana’s leadership philosophy centers on challenging the status quo, empowering teams with trust and opportunity, and building a culture of innovation — turning complexity into executable strategy and transforming operations from transactional to strategic.
Candace K. Wenzel is a highly accomplished Sales Director and executive leader with 15+ of progressive experience driving revenue growth, securing high-value business wins, and deepening strategic client relationships within global financial institutions. Currently serving as Director and Global Solution Sales Manager for Treasury and Trade Solutions (TTS) at Citibank, Candace leads strategic relationships for a portfolio of Fortune 100 technology and eCommerce sector clients across North America. In this role, she consistently exceeds aggressive revenue growth and pipeline expansion targets while advising key clients on complex treasury transformation initiatives. Demonstrating a strong commitment to talent development, she also spearheaded the creation and management of Citi’s TTS Sales Associate function, significantly enhancing team capabilities and pipeline development.
Throughout her distinguished career, Candace has held pivotal leadership roles at some of the world’s leading financial institutions. Prior to her current tenure at Citibank, she was the Director of International Cash Management Sales and TMT Sector Lead at the Royal Bank of Scotland, where she grew client engagement to $8 million in its first year. Her extensive background also includes serving as Vice President and Senior Global Cash Management Sales Officer at HSBC Bank in San Francisco, where she managed global treasury mandates for major technology clients and grew the large corporate treasury portfolio by over 200%.
An active and respected voice in the treasury and financial services community, Candace dedicates her time to industry leadership and advocacy. She serves as the Board Chair for the Northwest Summit for Financial Professionals (having been a board member since 2019) and has co-chaired both the Citi Services Client Network and the Citi Commerce Exchange Client Conference. She is also a member and faculty partner of the Association of Corporate Treasurers and previously chaired the San Francisco Treasury Symposium.
Candace holds a Master of Business Administration (MBA) from the University of San Francisco, where she was inducted into the Beta Gamma Sigma honor society, and a Bachelor of Science in Business Administration from California State University, Sacramento. She is a Certified Treasury Professional (CTP) and holds a Certificate in International Cash Management (CertICM), reflecting her deep, specialized expertise in global cash management, digital payments, and regulatory compliance.
Anirban Banerjee is a senior digital transformation and banking technology leader with 20+ years of experience modernizing insurance and financial services platforms. Currently leading enterprise digital strategy at a community bank, he operates at the intersection of utilizing the value of core systems, digital banking experience, workflow orchestration, and AI enablement.
Anirban has delivered large-scale platform consolidation, automation, and data-driven transformation initiatives—reducing operational complexity, improving straight-through processing, and unlocking multimillion-dollar value. With expertise across core systems, digital channels, payments integration, and emerging technologies, he brings a practical, execution-focused lens to innovation.
At the Instant Payment & Beyond Summit, Anirban will share how community and mid-sized financial institutions can modernize payments infrastructure, embed real-time capabilities, and leverage AI-driven orchestration to compete in an always-on economy—without losing sight of governance, customer trust, and measurable ROI.
Rene Schuurman is a global product manager for CashPro, focusing on API, partnerships, and Private Bank solutions, in Bank of America’s Global Payments Solutions division. He has global product responsibility for portfolio management, strategic partnerships, and complex integration requests for all segments and markets.
Prior to joining Bank of America, Rene worked at Citi, ABN AMRO Bank and Capgemini Consulting in Utrecht, the Netherlands where he has held roles in project management, client implementations, business architecture, and product management. He has been previously a member of various standard governing bodies such as the PAY SEG and the Common Global Implementation workgroup, as well as the ISO20022 CGI mapping group.
Rene graduated from the Polytechnic University of Amsterdam with a Bachelor of Science in International Finance and Business Administration. He lives in Willowbrook, IL, with his three children.
Thomas J. Nadratowski is a Managing Director and Chief Auditor for Global Financial Crimes at Citibank, with over 25 years of financial services experience across all three lines of defense. His career spans client compliance at Merrill Lynch and senior leadership in Global Financial Crimes Compliance at Bank of America, followed by over a decade in Citi’s independent audit. He leads global assurance of financial crime risk, including strategy, execution, and board reporting in complex environments. Thomas led 3LOD engagements through closure of two public AML Consent Orders, engaging with board leaders and regulators. He holds an MBA, Graduate Diploma in AML, is a CAMS, holds Series 7 and 66 FINRA licenses, and completed executive studies at Columbia and Yale.
Kapil Shukla is a distinguished Financial Crime Compliance leader with over 19 years of global experience across major financial institutions. Currently serving at Bank of America, Kapil has led large-scale AML, KYC, and Sanctions initiatives across North America, Europe, and Asia.
A results-driven professional, he has collaborated with leading regulators including FinCEN, OFAC, FCA, and MAS, driving risk mitigation, governance excellence, and operational transformation. His leadership focuses on strengthening compliance frameworks, advancing technology integration in AML systems, and nurturing high-performing teams.
Kapil’s extensive experience and thought leadership make him a respected voice in the evolving landscape of financial crime prevention and regulatory compliance.
Arijit Das is a visionary and technically grounded leader driving digital transformation across global financial services. As Global Head of Digital Asset Development at Northern Trust, he focuses on leveraging emerging technologies—including robotics, machine learning, distributed ledger technologies, and tokenization—to build scalable, future-ready digital asset solutions.
With wide-ranging international experience across the United States, Belgium, France, Canada, and India, Arijit brings a uniquely global perspective to innovation, delivery, and enterprise transformation. His background includes extensive offshore delivery experience, enabling him to bridge strategy, engineering, and execution across diverse operating models.
A hands-on and execution-oriented manager, Arijit is deeply involved in shaping technology-led transformation programs from concept through implementation. He is also a co-inventor on three blockchain-related patents, reflecting his commitment to applied innovation and practical impact. Arijit is widely recognized for combining strategic vision with technical depth to advance the adoption of next-generation digital asset technologies.
I operate at the junction of global financial‑technology insight and architecture‑led transformation—translating industry shifts into executable roadmaps that move technology, products, and people forward together. If you’re looking for straight‑talk guidance (no buzzword bingo) on any of the topics below, let’s compare notes.
Global payments & fintech trends — what’s hype, what’s regulation‑driven, and where value is actually moving.
Enterprise‑wide capability transformations — linking org design, incentives, and operating models so that technology modernization unlocks real business value.
Strategies that survive first contact with reality — closing the loop between C‑suite vision, change management, and hard‑won lessons from large‑scale execution.
End‑to‑end modernization — infrastructure, cloud, engineering practices, and product architecture working in concert to keep architectures and platforms evolvable as markets change.
Architecture & Developer experience — evolutionary architectures, lean, friction‑free pipelines, and agile practices that let engineers focus on solving business problems—because great products start with well‑understood architectural trade‑offs and happy developers.
Management Services, overseeing all Treasury Services products, including Business Online Banking, ACH, Wire, Positive Pay, Lockbox, Remote Deposit, Commercial Card, and Mobile Banking. With 27 years of banking experience, he began his career at Wachovia Bank (Wells Fargo) in 1997, managing Lockbox Operations. He then joined SunTrust Bank (Truist) as a Lockbox Product Developer, holding various roles over 13 years. From 2017 to 2020, he was the Product Manager at Renasant Bank, overseeing Business Digital Banking, Payments, Fraud, and Commercial Card. Howard holds degrees from the University of Georgia and Mercer University. A native of Atlanta, he is a passionate Georgia Bulldogs fan and serves as Chairman of the Make A Difference Foundation, providing scholarships and grants to support education and community programs.
As a Managing Director at Marketcy, I bring experience in fintech and payments innovation, sales management, and business development. I leverage my expertise in creating and executing strategies, leading and mentoring teams, and delivering solutions that generate new revenue and value for clients and stakeholders.
My mission is to transform traditional workflows with innovative technology and data-driven insights, while building strong partnerships and collaborations across the ecosystem. I have successfully led and advised multiple projects in payments, sales management and cloud, applying my knowledge of real-time, corporate, global, and digital payments, as well as blockchain and open API banking. I am also an active contributor and presenter in various industry forums, groups, and events, sharing my vision and insights on fintech and payments innovation.
As VP of Payments Experience at UNFCU, I drive innovative strategies to enhance global transactions and user experiences. With expertise honed at the U.S. Faster Payments Council and Paykii, I excel in fostering B2B and B2C relationships, advancing payment solutions worldwide. My decade-long tenure at MoneyGram spanned Asia-Pacific and the U.S., leading cross-functional teams in business development, compliance, and strategic partnerships. Beginning in banking, I specialized in international services and high-net-worth clients. Passionate about global payments, culture, and diversity, I thrive on mentoring and empowering teams to succeed in an evolving financial landscape.
Meghan Walls is an Enterprise Sales Executive at IXOPAY, empowering category-leading global enterprises across North and South America to modernize and scale their digital payment infrastructure.
Over her decade-long career in fintech—spanning leadership roles at Versapay and Verifone. Meghan has guided CFOs, merchants, and digital commerce leaders through complex digital transformations. Backed by extensive expertise in order-to-cash systems, payment routing, and enterprise sales strategy, she offers a sharp, practical perspective on reducing transaction friction and transforming payments into a strategic driver of growth.
Pati Partelow is a forward-thinking strategist, continuously analyzing emerging trends in human behavior, disruptive technologies, and industry events. With a focus on driving transformation and growth, she partners with companies of all sizes, specializing in enhancing financial services’ innovation, accessibility, and security. Pati’s expertise includes business strategy and transformation, P&L management, business development, product innovation, and talent development. She leverages a global perspective to drive success in local markets, excelling in consulting sales and delivery, digital commerce, customer experience, and digital payments. With a comprehensive skill set spanning disruptive technologies and industry expertise, Pati is a dynamic leader poised to navigate the evolving landscape of modern business.
Aniruddh Vijaivargiya is a product and technology leader specializing in AI/ML-driven retail, big-data analytics and computer-vision, supply chain, logistics marketplace pricing, fraud prevention, and real-time risk decisioning systems. At Walmart, he leads product initiatives focused on scaling last-mile and first-mile delivery, improving operational intelligence and execution via agentic systems, and building technology that strengthens commerce infrastructure across a large retail and delivery network. His decade long experience also spans companies like Kraft Heinz, EXL analytics where he built specialization in developing automated systems to enhance retail growth and pricing, and spearheaded supply chain and logistics transformation through advanced analytics, product innovation, and technology strategy. His work sits at the intersection of agentic AI/ML, pricing, fraud/risk prevention, and scalable delivery platforms for commerce infrastructure. He holds a B.Tech from IIT Delhi and an MBA from Dartmouth’s Tuck School of Business.
I’m currently CGO (Sales & Marketing) at Queen of the Thrones, running full P&L across DTC, four marketplaces (Amazon, Target 3P, Walmart 3P, TikTok Shop), wholesale, and four countries with more coming. Before that I was Global CMO at Jockey (apparel, DTC + wholesale + retail partners + international), Sprouts (grocery, ~$7B, heavy in-store with growing digital), and led marketing and eCommerce at A88 (CPG snacks). The “money flow” problem looks structurally similar across all of them but breaks in completely different places depending on the channel mix and scale.
Courtney Bloomer is a Senior Manager of Payment Strategy at Lowe’s, where she leads enterprise payments strategy across omni-channel platforms with a focus on optimizing customer experience, conversion, and payment performance. She oversees strategic initiatives across digital wallets, consumer credit, co-brand programs, and emerging payment solutions while driving cross-functional alignment between Technology, Finance, Operations, and external partners to deliver scalable, customer-centric experiences.
In her current role, Courtney focuses on modernizing payment infrastructure, improving payment orchestration, and enhancing checkout performance across web, mobile, and in-store channels. Her work centers on balancing seamless user experiences with backend reliability, operational efficiency, and measurable business outcomes.
With deep experience spanning payments, customer financing, enterprise transformation, and retail operations, Courtney brings a practical perspective on how retailers can create unified checkout experiences that reduce friction, improve reliability, and drive conversion across every customer touchpoint.
Sara Hibbard leads Payments Customer Experience and Strategy at Amazon, where she oversees service operations across eight markets supporting over three million customer contacts per year. With 17 years in customer service and operations, Sara has built her career from frontline agent to directing global payment support strategy. Her work spans payment product launches, fraud and dispute operations, AI-driven service transformation, and regulatory compliance across EBT, FSA/HSA, and international payment methods. She is a vocal advocate for building customer tools that serve the most constrained users first, including government assistance recipients and underbanked populations. Sara is an autism advocate and passionate about equitable access to education and care. She holds a B.S. in Biological Sciences and a B.F.A. in Fine Arts from Marshall University.
Derek Nicolich is a results-driven ecommerce and digital marketing executive with over 18 years of experience scaling growth across DTC, Amazon, and omnichannel businesses. As Vice President of Ecommerce & Digital Marketing at Kate Farms (Danone), he leads digital strategy across acquisition, retention, and marketplace channels, driving efficient, data-led growth. Derek has held leadership roles across several high-growth CPG and apparel brands and previously founded a consulting agency supporting emerging and established ecommerce brands.
Sneha Chitte is a Senior Product Manager with expertise in translating ambiguous customer and business problems into technically complex, scalable product solutions across various domains. Her work has spanned embedded software, data science products, event streaming, persistence, discovery, and observability platforms. She now focuses on product and content recommendations, integrating machine learning, personalization strategy, customer discovery, merchandising, and platform thinking to create more relevant and effective shopping experiences.
Scott Benson is a cybersecurity executive with deep experience securing retail and payments environments. As Director of Cybersecurity and Infrastructure at Mud Bay, Scott oversees security operations, incident response, cloud and endpoint protection, and PCI compliance, supporting a complex ecosystem of stores, e-commerce systems, and payment technologies. He is a frequent industry speaker, having presented at SecureWorld and RH-ISAC events, and was recognized as a 2025 Pacific Northwest ORBIE Awards finalist in the CISO category. Scott is passionate about practical security, collaboration, and helping retailers navigate the evolving payments and threat landscape.
With over 26 years of experience in Retail Information Technology, I bring deep expertise in systems, integrations, and technology solutions that support modern retail environments. I hold a master’s degree in Management Information Systems and currently serve as a Senior Engineer specializing in payment integrations. Throughout my career, I have collaborated with and learned from many talented professionals, contributing to the successful implementation and advancement of payment technologies within the retail industry.
