Jim Ensign is Chief Digital Officer for Republic Bank & Trust Company, developing digital strategy, customer experience and marketing with a focus on their recently launched national digital-only division MemoryBank (www.mymemorybank.com). Jim’s path into digital banking leadership was different than most, with a history of leading digital transformation in retail and marketing companies. Just prior to joining Republic Bank, Jim, as VP/Global Digital for Papa John’s International, led their transformation from a traditional delivery chain taking orders over the phone to a global digital-first company with the majority of sales coming through mobile and web.

Michael Carter has more than 15 years of executive technology leadership ranging from early-stage start-ups to international organizations.  He has been in payments and financial services for more than 20 years.  He is currently the Chief Marketing Officer at D3 Banking and has held vice president positions at S1 and ACI/Worldwide.  He was the Investor Relations Officer for Transaction Systems Architects, Inc., the Managing Director of SRM International and the Chief Operating Officer for Intranet.  Carter is a graduate of the University of Kentucky and Emory University.

Adil Wali honed his retail knowledge as co-founder and CTO of online brand ModCloth. During his tenure there, he helped transform the company from a small brand within a niche market to a household name doing nine-figures in revenue. Most recently, Adil has applied his retail knowledge to his enthusiasm for online gaming by founding LvlUp, a lifestyle brand in the eSports arena. He is also currently CEO of FoxCommerce, a company designing a robust eCommerce solution for retailers. He also founded Crowd Interactive, Mexico’s largest Ruby and iOS development firm and is an active angel investor who supports projects he truly believes in.

Amy Judd is a Group VP of Digital Channels with SunTrust Banks. In this role, Amy leads a digital product team providing all aspects of product management including defining new capabilities, developing innovative product strategies and delivering technologies using agile development methodologies. She is a certified Product Management professional and holds the Masters of Business Administration degree from Georgia State’s Robinson College of Business. Before joining SunTrust in 2009, Mrs. Judd worked for a diverse range of organizations, including E*TRADE Financial Corp. managing large teams to drive product and call center innovations.

Josh Buchanan is a SVP for Bank of America and the leader of the design team for consumer and small business sales. Prior to Bank of America Josh worked with Wells Fargo and a range of consumer businesses, focusing on optimizing online sales.  During his tenure, the Bank of America online sales team moved from a traditional waterfall and desktop-only sales delivery strategy to a mobile first and agile method of delivery.

Tuck Ross is an award-winning, strategic innovator with 13+ years of digital, marketing, ecommerce, retail and management experience in consumer-centric, high-performance environments. Tuck joined BBVA Compass in 2015 as SVP, Digital, to assist the digital transformation of the bank and develop and implement the digital marketing strategy. Responsibilities include product and consumer marketing, digital strategy, social media and content, sales acquisition, retention, and the customer relationship cycle. Prior to BBVA Compass, Tuck led marketing & digital strategy at Guitar Center. He also spent time at Disney, Hasbro, Bank of America, and Ergobaby, driving retail and entertainment marketing and sales, CRM, paid & social media, content, and digital product development.

Ryan is an innovative and results-driven leader with experience directing product strategy, development efforts, and marketing campaigns, across digital and non-digital channels for multi-billion dollar financial services companies. Ryan recently took on a new role at Bank of the West leading the organization’s enterprise innovation efforts, after having previously managed a product development organization, within Digital Channels, focused on delivering breakthrough digital experiences across the Bank’s public facing web presence. Before joining Bank of the West, Ryan was involved in payments innovation work at Capital One and helped grow U.S. Bank’s small business segment and global treasury management product portfolio.

Raju Deshpande is an Operational Excellence expert and strategic leader who is often called for solving ambiguous problems through process driven solutions. Raju’s relentless focus starts with the customer and his unique ability to leverage his process expertise with quick understanding of organizational dynamics to influence right behaviors has helped him drive successful, transformational changes in his professional career.
Currently Raju is using Customer Experience as a compass to lead his Operational Excellence priorities for East West Bank, a commercial bank with core competency in building a bridge between the East and the West. In his capacity, Raju has led numerous transformational initiatives in Retail, Commercial credit, Mortgage and many back office functions. With his focus on process driven changes, he has led three successful acquisitions for East West Bank.
In his prior assignments, Raju was instrumental in Lean and Six Sigma deployment in Bank of America Technology and Operations. Raju has also lead numerous lean transformations in a variety of manufacturing industries in his consulting career and developed a very popular 14-week Lean Enterprise curriculum for the San Diego State University where he served as an Adjunct Faculty for more than ten years.
In his spare time Raju tries to capture nature’s magical moments through his photography and takes every opportunity to soak nature through long hikes in local mountains.  His most recent adventure was hiking Mount Kilimanjaro in Tanzania. 

David Galvan is a technology and internet veteran, with over 25 years of business and operating experience in Silicon Valley. He is currently VP of Business Development and Strategic Alliances for MasterCard International, where he focuses on relationships and investments with emerging companies in the digital space in Silicon Valley. Prior to that, Galvan was Senior Vice President of Business Development and Strategy for 24 Hour Fitness, the largest privately owned U.S. fitness club chain in the United States, serving nearly four million members in more than 420 clubs. Galvan was hired by Private Equity firm Forstmann Little to prep the Company for sale after a failed attempt in 2012. Galvan oversaw business and operational management of the 24HF Personal Fitness Business, Retail Business, Corp/Healthcare Sales, Sponsorship Sales, and Real Estate Development Team. He was also responsible for all new and legacy deals and strategic partnerships for entire Company. The teams quick and extensive business and organizational efforts increased EBIDTA by an additional $40M in 10 months in 2013. 24 Hour Fitness was successfully sold to an investor group led by AEA Investors for $1.85B in June 2014, after which the Forstmann Little team sold their stakes and left the organization. Before 24HF, Galvan was Chief Executive Officer at The Learning Annex, where he was recruited by the founder, Bill Zanker, to bring the successful offline educational business to the web via an online marketplace. Galvan was also President/Head of BD at Schedulicity, a leading online scheduling service for appointment-based businesses. Galvan has also held senior leadership and operating roles at Topix, InfoGroup, Yahoo, AOL/Netscape, Motorola and Unisys. He is a frequent speaker on the Payments, Digital Commerce and Search and Local Marketplace scene. A native Californian, Galvan is a graduate of Stanford University

Kristyn has over 20 years of experience designing and implementing large corporate financial web sites with specific focus on creating award winning customer experiences that drive significant sales and cost savings to the company's bottom line. She is currently the Vice President of Digital Strategy at Sallie Mae and is responsible for digital strategy, UX design and Front End Development for all customer facing digital platforms including Salliemae.com and Upromise.com. Before coming to Sallie Mae, Kristyn worked at Bank of America/Merrill Lynch and pioneered the launch of the Merrill Edge brokerage business. She developed the digital strategy, hired the team and launched their website, active trader platform and mobile suite. Prior to that, Kristyn was at Fidelity Investments for 15 years and was instrumental in digital strategy and design for NetBenefits and Fidelity.com. Her specific focus was on the authenticated experience on both web and native mobile platforms. Preceding Fidelity, Kristyn held positions at AT&T New Media Network and Digital Equipment Corporation. She has a Bachelor of Science from Babson College.

Steve joined USAA in 2007 and is currently the Vice President of Enterprise Innovation. In this role, he and his team work alongside Bank and Enterprise senior leaders to identify and experiment with innovative technologies, solutions and partners. His focus is also on increasing USAA’s pace of innovation and continuously evolving our methodology to support rapid prototype deployment and quick time to market. His role involves the building of FinTech inside USAA and also leveraging outside innovation to fulfill the Mission. Prior to his role in the Chief Innovation Office, Steve held the position of Vice President, Head of Consumer Lending. His portfolio included Auto Loans, Personal Loans, Recreational Vehicle/Watercraft Loans, Military Loans, and the USAA Car Buying Service. Before this Steve held the role of AVP - Business Process Excellence for Consumer Lending; in this role he helped architect the Auto Circle experience. Prior to joining USAA, Steve spent five years at Sitel Corporation where he served as Vice President of Relationship Management in the insurance and financial services space. There he was the relationship owner for strategic clients in the financial service industry and was responsible for designing large contact center and system implementations. Prior to Sitel, Steve worked for InsLogic, building a private label insurance agency for the banking industry. He also has held management positions at several direct response insurance organizations including AMICA, Reliance Direct and Colonial Penn Insurance with responsibilities including operations, sales, service and underwriting. Steve earned a BA from St. Lawrence University with an Economics Major and a Minor in Government.

Manan Singh is a longstanding member of the web analytics & optimization community and has helped numerous companies maximize their online conversion rate and revenue. He started his career in the web optimization space as a consultant in Adobe’s Target group and then went on to build world class optimization programs at companies like Shutterfly and Freedom Financial Network. In his current role as VP of Product & Optimization, Manan’s main focus is on profitably acquiring customers across marketing channels by delivering radically simple, personalized customer experiences that are revolutionizing the way customers shop online for financial products.

Jason Zeider has been in the financial services industry for more than 22 years. Jason was in charge of Marketing for 18 years at Tucson Federal Credit Union, most recently serving as Vice President. He was promoted to Vice President of Digital Strategy in 2014 where he is responsible for the definition and oversight of all member- and employee-facing online, mobile, and branch technology experiences for the $400 million credit union. He earned a BA in Advertising from Purdue University and moved to Tucson shortly after graduation where he lives with his wife and two children.

Matt Vickers joined KeyBank in 2001 and currently leads Channel product management for Key’s commercial payments business. In this role, Matt is responsible for strategy, product development, and product management for KeyBank’s commercial grade digital banking platform: Key Total Treasury. Matt and his team focus on delivering innovative, client-centric user experiences by leveraging digital as an enabler and differentiator. Matt holds an MBA from Baldwin Wallace University and Bachelor of Business Administration from Ohio University.

As Vice President of Digital Acquisition at Barclaycard US, Laura manages digital strategy and online account acquisition for Barclaycard-branded credit cards, focusing on new innovations within the bank to deliver a best-in-class online experience to prospective customers.  With over 15 years of experience managing online marketing for agencies, client-side and as a consultant, she brings a unique perspective to campaign planning, implementation and analysis.  Her expertise includes a wide variety of digital media, including paid search, SEO, affiliates, display, and creative development.  Prior to joining Barclaycard, Laura served account, brand and project management roles at GSI Commerce, Yellowbook, Smooth Fitness and a variety of consulting firms and agencies.  Laura earned her B.A. in Business and Marketing from Lebanon Valley College in Annville, PA. 

Alex Jimenez is a VP and Senior Strategist at Zions Bancorporation, where he leads the overall technology investment planning process for the office of the CIO. Prior to his current role he was a Principal Consultant at AJ & Associates advising Financial Services organizations and those that work with them in the areas of digital banking, payments, innovation and general strategy. His other recent experience includes developing and managing Digital Banking and Payments Strategy at Rockland Trust, a community bank in Eastern Massachusetts. He was also Chair of the Consumer Bankers Association’s Digital Channel Committee, where he worked with Digital Banking leaders in the industry and visited Capitol Hill to meet with the Senate’s Banking Committee staff.

Marria Rhodriquez is Vice President and focuses on digital product strategy for the Wells Fargo Virtual Channel team. In her 15-year tenure at Wells Fargo Bank, Marria has worked in technology, marketing, strategy, and digital product management. She holds a degree in Technical Communication from the University of Washington and an MBA in Marketing from Golden Gate University.

John McNally is a Managing Director in Accenture’s Financial Service Distribution & Marketing practice with over 20+ years of delivering high performance impact to a diverse set of client engagements. He is known for helping Financial Services clients define customer service and customer acquisition strategies, as well overseeing the ensuing company transformations. He also serves as the global sponsor for Accenture Financial Services Contact Center transformation offering helping clients apply new delivery models in the age of digitization in North America and globally. Programs under his direction address the human + digital convergence facing the customer, and the practical application of data that fundamentally changes how relationships are delivered. John graduated with a degree in Electrical Engineering and concertation in Economics from Northwestern University. He has served as faculty and host at Accenture Innovation Centers, and is a frequent guest speaker.

James Ray is Managing Director, of Enterprise Sales for Chase Commerce Solutions. James is responsible for leading a multinational sales and service team dedicated to collaborating with our firm-wide partners to identify, develop, maintain and enhance the relationships we have with JPMorgan Chase’s top global clients and prospects. Prior to joining Chase, James served as senior vice president of global strategic accounts and professional services for Elavon, the payment processor and subsidiary of US Bank. In this role, he led an experienced team of global account executives to pursue, capture and grow Elavon’s relationships with selected multinational enterprise accounts. These individuals strategically managed client relationships with senior decision makers to ensure Elavon anticipated the needs of their clients ─ coordinating the resources of the entire organization to enable commerce on a global scale. Prior to Elavon, James was a strategic advisor serving diverse clients including AT&T, AutoTrader.com, Coca-Cola, Cox Enterprises, NCR, Sabre Holdings and Underwriters Laboratories. In each of these roles, James advised senior executives regarding organizational changes introduced by rapid growth, economic decline and/or the implementation of enabling technologies. James holds a bachelor’s degree in accounting from Texas A&M University and has completed graduate studies in organization development at The George L. Graziadio School of Business and Management at Pepperdine University. James is also involved in the local community through organizations like the United Way, Gift for a Child, Habitat for Humanity and Hope for Guatemala.

As Head, Applied Innovation, Elfreda is responsible for leading the creation and execution of a portfolio of innovative concepts that create value for RBC's business units. Her team has an enterprise-wide mandate to stimulate innovative activity. With a view to "what's next", "what's new" and "what's different", the Applied Innovation Team identifies and validates emerging technologies and opportunities that have the potential to drive client value and differentiate RBC from its competitors. In her 20+ years at RBC, Elfreda has been involved in leading several innovation projects and programs within the Retail Banking, Technology & Operations, Corporate Real Estate and Head Office divisions; including developing one of the first hackathons run by a financial institution in North America.

Since joining CIBC in early 2009, Christina Hatziioannou has held various leadership roles across the bank. Christina’s career has been focused on developing strategies that disrupt the traditional retail banking model. This is evident through her work to modernize CIBC’s mass affluent offer and her current role within CIBC’s Digital group. Currently, Christina is a leader in the Digital Strategy group where she is responsible for establishing and driving the Digital roadmap with a focus on developing capabilities to drive Digital sales for key products. In addition, Christina and her team provide the bank expertise in mobile and online innovation strategies.

Sylwia Hans is Financial Services Director for Comarch US. She has been working  in the industry since 2009 when she joined Comarch’s start up project iFIN24 – one of the first personal finance management systems for banks on the market. She has worked on international banking projects as a consultant, creating a new vision of the PFM.  She  currently specializes in business banking and wealth management solutions dedicated for banking.

Aashir Shroff is Vice President of Mobile Banking and Payments for Wells Fargo's Digital Channel Group. Working in mobile for the past 10 years, Aashir has garnered much success by leading a variety of business development, product management and marketing functions. Aashir's career with Wells Fargo began in 2008 as an early member of the Wells Fargo mobile team. Throughout his tenure, Aashir and his teams have led efforts to help foster growth and deliver success for the mobile channel. Prior to Wells Fargo, he worked for both industry leaders and startups. He is a frequent guest speaker and contributor on mobile banking and payments topics.

Craig McLaughlin is the Founder and CEO of the nationally recognized San Francisco digital experience strategy and design agency Extractable. For over 15 years Extractable has helped financial services firms build category leading digital experiences succeed at bringing in new customers and building deeper relationships with existing customers. The agency has history of recruiting and retaining best in class digital talent from a variety of industries and brings that expertise to bare for a national base of financial services clients. In his role, Craig is responsible for the overall strategic direction, growth and management of the company. He has led digital initiatives for over one hundred financial services institutions. Under his leadership, Extractable’s financial services clients have won more Web Marketing Association Awards than any other agency serving the category. Before starting Extractable, Craig worked in research and development at Sony Corporation. Craig received his BS in Information Systems from San Diego State University and holds a Master of Science in Information Systems.

With a track record including Thomson Reuters and IHS Markit, Justin contributes extensive knowledge within the Financial Services and Insurance industry including real estate and FinTech. Leading various business teams, Justin specializes in assisting multi-national enterprises to overcome current challenges and optimize operation. Previously, he led a practice primarily focused on asset management and insurance at IHS Markit. In addition to contributing articles to a variety of sources, Justin also speaks regularly as industry events on customer experience, employee engagement and the future of technical innovation for the financial services industry.

Christine Duque is a Global Marketing Strategist with Accenture’s Financial Services Distribution and Marketing Services practice (ADMS). Her specialty is bringing the best of Accenture’s full capabilities to deliver customer-experience led enterprise transformation programs. Christine has over 16 years’ experience in the art and science of marketing strategy: balancing between creative expression and strategic branding while utilizing the science of digital technologies, machine learning, artificial intelligence and, big data, to deliver relevant customer experiences at scale and speed, reduce fixed costs and grow market share. She has a proven track record of delivering award-winning initiatives by maintaining a brand’s synergy with cultural trends to best understand and reach targeted audiences, strategically align product development and marketing plans to generate high level customer engagement, increased market share, and brand loyalty. She has worked with a diverse client base from Fortune 500 companies to non-profit organizations, across industries, in both client and agency settings, as well as B2B and B2C audience targets. She has extensive international experience in NA, APAC, EMEA and LATAM markets. She is a champion team builder with a unique ability to build consensus among all people involved in a project. Christine is sought after as a key note speaker, lecturer and panelist for her expertise on global marketing strategy, digital transformation and industry trends related to distribution and marketing topics. Christine graduated with a degree in Music History, Theory and Vocal Performance from Oberlin College & Conservatory of Music. To learn more about Christine, please visit: www.accenture.com/ChristineDuque

Nikos Acuña is an entrepreneur, digital marketing and media executive, technology futurist, and the award-winning author of Mindshare: Igniting Creativity and Innovation through Design Intelligence (Motion Publishing, 2012). Mindshare achieved critical acclaim, receiving Foreword Magazine’s Book of the Year Award in Social Sciences, the USA Best Book Award in Psychology in 2012, and a 2012 Publisher recommendation for the Pulitzer Prize and National Book Award. Nikos is currently the Director of Business Strategy and Marketing Technology at Rocket Fuel, a big-data adtech company which leverages artificial intelligence to create more meaningful brand experiences. Nikos is also a sought-after speaker, consultant, and blogger on topics regarding innovation, big data, design thinking, emerging technologies, and brand experience optimization. He has over fifteen years of leadership experience in designing and bringing media and marketing technology platforms to market, specializing in driving product development, go-to-market, and launch initiatives for blue-chip brands, enterprise platforms, and tech startups from end to end. He has also written, produced, directed, and starred in various lifestyle, news, travel, reality, and entertainment series, and has hosted internationally broadcasted award shows and special events. Nikos has a BA in Communication from the University of the Pacific, an MFA in Writing from the University of San Francisco, and is a Masters of Design Thinking candidate at Stanford University, and PhD Psychology candidate at Pacifica Graduate Institute. He currently lives in Chicago, Illinois

Troy Janisch is VP/Director of the Social Intelligence team at U.S. Bank and teaches MBA courses for St. Catherine University. He is a social media beatnik, blogger, author, and marketer with two decades of experience. Troy blogs at www.socialmeteor.com.