Current Speakers

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. 

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.

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.

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.

Miyoshi Lee is the Head of U.S. Real Time Payments (RTP) within Global Payments Solutions at Bank of America, where she leads the end to end strategy and delivery of RTP products and services for large corporate, commercial, and business banking clients.

Since joining Bank of America in 2004, Miyoshi has held senior leadership roles across Global Markets, Enterprise Innovation and Development, Digital Channel Strategy, Global Payments Strategy & Business Management, and Wire Product Management. Prior to Bank of America, she worked as a foreign currency and commodities trader, managed proprietary trading activities for multinational corporations, and served as a Strategy and Investment Consultant in Harare, Zimbabwe.

Miyoshi earned an MBA in International Finance and Corporate Strategy from the University of Michigan School of Business and a Bachelor of Science in Finance with Honors from the University of South Carolina, where she graduated Phi Beta Kappa. She also completed an Executive Education program in Agribusiness Economics at Kansas State University.

In addition to her professional leadership, Miyoshi is deeply committed to inclusive business models and community engagement. At Bank of America, she has served as Global Co Chair of the Parents & Caregivers Network and the Black Professional Group, championing diversity driven business solutions as well as employee-led and bank-led support for working caregivers. Outside of work, she has served as the Board President of a Charter School in Newark, NJ, a Leadership Council member of UNCF of Northern New Jersey and a member of the National Black MBA Association, the Women’s Bond Club of New York, NAACP, Alpha Kappa Alpha Sorority, Inc. and the Native Plant Society of New Jersey.

Although a proud Southern native born and raised in Georgia, Miyoshi has called New Jersey home for over two decades where she resides with her husband, their two children, two rescued cats and the occasional foster child in need of respite.

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.

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.

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.

Brent Mizzen is the Acting Senior Vice President of Payments & Digital at the Canadian Bankers Association, where he leads strategy, policy development, and advocacy across Canada’s payments and digital banking sector. Before assuming this role, he served as Vice President of Payments Policy at CBA, and held senior policy roles at Finance Canada, Industry Canada, and the Canadian Life & Health Insurance Association. Brent holds a Master’s degree in Economics and is a recognized voice in payments regulation and digital innovation in Canadian finance circles.

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.

Kevin Carroll is the Executive Director of Payments at RaceTrac, Inc. where he leads the Payments Strategy, Product, Operations and Reconciliation efforts for all Corporate and Franchise locations.  Kevin has multiple decades of payments experience, having worked at banks, an issuing/acquiring processor, a global network, a prepaid issuer/processor as well as leading a banking and financial services practice for a global outsourcing company.

Mr. Carroll holds an MBA from Suffolk University, a BS in Marketing from Fairleigh Dickenson University, has studied Strategy and Managing Change at IAE in France as well as teaching Undergraduate and Graduate courses in Marketing Management and Consumer Behavior at Suffolk University, most recently Kevin has been a Guest Lecturer at the Georgia Fintech Academy.

Headquartered in Atlanta, Georgia, family-owned RaceTrac, Inc. is one of the largest privately held company in the United States and has been serving guests since 1934. RaceTrac, Inc. has nearly 800 retail locations representing the RaceTrac, RaceWay, Gulf and Potbelly brands. offering guests an affordable one-stop-shop featuring a wide selection of food and beverage favorites, including freshly brewed coffee, sandwiches, pizza and competitively priced fuel. RaceTrac, Inc. employs more than 12,000 team members across all consumer brands and corporate entities. Gulf sells fuels to all RaceTrac, Inc. locations as well as many other leading retailers and fuel wholesalers delivering over 1 Billion gallons of fuel each year

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.

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.