Mo is a Senior Manager with EPAM System’s Business Consulting practice focused on payments. She started out her career with PwC where she was part of both the Consumer, Industrial Products & Services and Energy & Utilities Business Units as an associate and left the firm as an Assistant Manager. She went on to get her MBA from The Rotman School of Management at the University of Toronto and joined CIBC’s Enterprise Payments team on graduation.

She is an engaging and personable collaborator who spearheads initiatives, building and maintaining key partnerships to deliver complex payment solutions while demonstrating outstanding value-added leadership to empower clients. She is passionate about leveraging technology and other tools to provide better financial inclusion and enable all Canadians to live their best lives.

Patrick is a finance and technology professional who is passionate about the cooperative sector. Before joining the LCUC, Patrick worked with the Canadian Credit Union Association (CCUA) where he led their government relations work on the Open Banking and adjacent files. Patrick has a business degree from Carleton University and is currently pursuing the CFA designation as well as French proficiency.

Michelle Beyo is the CEO & founder of FINAVATOR, an award-winning FinTech and Payments Consultancy. She is also a strategic advisor to FinTechs, a Money 20/20 Rise Up alumni, a Global Council Member of Women in Payments, the Membership Chair at Canadian Prepaid Providers Organization, a Payment Advisor at National Crowdfunding and FinTech Association of Canada, and a Board Member at Open Banking Initiative Canada. Michelle started FINAVATOR as she is passionate about payments and financial inclusion. She has 20 years of extensive industry experience driving innovation across the retail and payments industry. Michelle Beyo was named the “Top 30 Best CEOs of 2021” by The Silicon Valley Review and FINAVATOR was awarded “Most Influential Leader in FinTech Consulting – Canada” in 2020.

With over 25 years of experience in digital strategy and transformation, Stéphane has made a name for himself as a key player in the evolution of Canada’s digital landscape.

Prior to working at National Bank of Canada, Stephane was active in the media industry where he led numerous digital transformation programs for the Sun Media Corporation, the National Film Board of Canada and the Canadian Broadcasting Corporation. Stephane holds bachelor’s and master’s degrees in Communications and Digital Media from the University of Quebec in Montréal (UQAM).

Tabatha is Anishinaabe, a proud member of Nipissing First Nation. As CCAB’s president and CEO she is committed to help rebuild and strengthen the path towards reconciliation and a prosperous Indigenous economy to benefit all Canadians. Serving the Indigenous community through CCAB’s commitment to support the Indigenous economy, Tabatha works with government, notably through her role with the federal government’s recent COVID19 Supply Council, and through her work with various organizations, committees, and boards on Indigenous economic development. An electrical engineer, Tabatha informs Canada’s energy sector by participating on many boards including Ontario’s electricity system operator IESO, the Positive Energy Advisory Council, the MARS Energy Advisory Council, and the C.D. Howe Institute’s Energy Policy program. As an appointee of the Catalyst CEO advisory board in Canada, Tabatha collaborates with some of the world’s most powerful CEOs and leading companies to help build workplaces that work for women. Also, a member of Queen’s University Circle of Advisors, Centennial College’s Indigenous Circle, and a member of the Ontario Chamber of Commerce board, Tabatha is dedicated to diversity and removing systematic barriers to improve opportunities and business competitiveness across all industry sectors. Tabatha is also an appointee of CN’s inaugural Indigenous Advisory Council. The Council is comprised of accomplished and respected representatives of Canada’s First Nations, Inuit and Métis communities of every province and territory. Their mandate is to advise CN’s Board and company President and Chief Executive Officer on issues relevant to CN’s relationship with the more than 200 Indigenous communities in which CN operates. Tabatha has appeared on numerous occasions in the Senate and House of the Parliament of Canada, discussing, advocating, and advising on various Indigenous business issues. She was recommended to the Deputy Minister of International Trade at Global Affairs Canada to join the Trade Advisory Council where she is one of a 12-member panel. The Council’s overarching mandate is to advise on issues related to export promotion, investment attraction, trade policy and negotiations, and international science, technology and innovation

Neil’s experience as an innovator and executive has helped him thrive in the identity and payments industries for over 25 years. Now, he combines his areas of expertise as the head of Digital Identification and Authentication at Interac, focuseSpokesd on developing a solution to deliver secure, convenient identification for the digital economy. Neil is available to discuss the need to re-evaluate the way we identify and authenticate ourselves in the digital economy, and how using existing technology such as the Interac Token Service Provider allows Interac to provide a layered approach to security and privacy as fundamental design principles.

Jason Chomik, a seasoned Canadian technology executive who has been active in the payments and digital transformation space for over 25 years. Jason is the Director of the FDX Canada working group to cultivate a culture of collaboration, communication, and technical inclusiveness within FDX between different market segments of the Canadian financial services ecosystem. Jason also serves as the primary FDX resource to FDX Canada members to make the FDX workflow more digestible, and to ensure that all FDX Canada members, regardless of firm size or resources, have the ability to meaningfully participate in FDX technical standards development.

Senator Colin Deacon was appointed to represent Nova Scotia in the Senate of Canada in June 2018. A lifelong entrepreneur, he passionately believes that we must build a more inclusive economy if we want a more resilient economy. As a result, Senator Deacon believes that entrepreneurship is a tool to not just enable economic empowerment in communities across our country, but to create positive social change. Recently, he is most focused on harnessing the digital economy, improving Canada’s public and private sector competitiveness, and incentivizing and empowering the private sector to aggressively address climate change.

Gene is The AML Shop’s Chief Identify Officer and delivers a “digital first” philosophy by creating a balanced hub where digital ID and AML initiatives connect as an expert shopper for clients and industry insider for technology firms.

As one of Canada’s leading voices in the anti-money laundering (AML) industry and digital identification space, Gene has spanned much of his career designing, implementing and sustaining AML/ATF programs digital identity programs nationally and internationally.

Gene started his career running the systems, operations and compliance controls for financial planning firms offering securities, banking and insurance products. His compliance focus progressed with Manulife, where he most recently served as the Head of Global Compliance AMLATF program, responsible for the program design, relationships with AML vendors and working with Industry peers to respond to government and FATF consultations for both AML and identity.

He currently volunteers in the following capacities: Chair, IIROC CCLS AML Working Group; Co-chair, DIACC Outreach Expert Committee; Member, Sovrin Foundation Compliance and Inclusive finance working group and is a member of the ACAMS Faculty.

25+ years of leadership and innovation in FinTech and PayTech with a goal and vison to advance inclusion and equality. Passionate entrepreneurial and creative spirit working to defend and inspire opportunity for small business and underserved consumers. “I love to build companies and people at early stages to create a positive and impactful sustainable growth.”

Background includes various leadership roles with payment industry leaders First Data, Chase Paymentech, Vantiv, and Worldpay. Developed revenue strategies for many gateways, processors, and FinTech’s all with successful exits. Among the first in the industry to be certified by the Electronic Transaction Association as a Certified Payment Professional.

Katie is an executive at the CIO Strategy Council, where she leads cross-sector partnerships to foster a trusted, secure, sustainable digital ecosystem in Canada. Katie served as Director of the Entrepreneurship and Start-up Services Branch at Ontario’s economic development ministry and has also led an innovative capital advisory program at MaRS Discovery District. She previously served as General Counsel at a national charity. Katie practiced and taught law and clerked at the Supreme Court of Canada and the Ontario Court of Appeal. She holds a BA from Harvard University and received her joint law degrees and MBA from McGill University.

Michael Goit is the Director of Digital Identity at the Treasury Board of Canada Secretariat, Office of the Chief Information Offer.

Michael works at the intersection of technology and policy, leading the advancement of digital identity in the context of digital government for Canada.

A public servant with 20 years experience, working in and leading numerous transformation and re-engineering projects, Michael brings a unique and innovative technologist’s perspective to complex problem spaces.

Martin is Director, Payments & Open Banking in Deloitte’s Consulting practice. In this role, Martin works with a diverse set of organizations across payment networks, financial institutions, payment service providers, merchants, and corporates on topics such as eCommerce, real time payments, open banking, credit and debit cards, retail and commercial payments. His work has spanned strategy development, product design, go-to-market strategy, digital marketing, customer experience, and M&A due diligence. Martin has 17 years of diverse experience in Payments and Financial Services across Product, Partnerships, Marketing, Strategy functions. Martin holds a Bachelor of Industrial (Systems) Engineering degree and an MBA from the University of Toronto.

Max Jarvie is a senior associate in the Privacy and Data Protection practice group at Borden Ladner Gervais LLP. He provides assistance and strategic advice to organizations relating to privacy and data protection, the use of machine learning, blockchain and other technologies, information governance, data trusts, technology licensing and corporate commercial matters. Max publishes and speaks regularly on privacy law and the legal implications of technology.

Roy Kao is a recognized executive, advisor, and dot connector in Canadian Open Banking and Fintech innovation and development.

As Open Banking Practice Lead, Global Wealth, Capital Markets, and Banking, at CGI, Roy built and leads a global management consulting practice advancing financial services and strategic business innovations for global banking, wealth management, capital markets, and insurance clients.

He is a Strategic Advisor to the Holt Xchange Fintech Accelerator and Fund Advisory Board and is also a Board Member at Open Banking Initiative Canada (OBIC).

Roy possesses over 25 years of leadership, advisory, and entrepreneurial experience and was Managing Director of MaRS Fintech at Canada’s MaRS Discovery District in Toronto and the founding Chief Technology Officer of a groundbreaking small business Fintech lending platform.

On weekends, he is usually found at a hockey rink, baseball diamond, or an equestrian arena with his children.

Roy is natively fluent in Mandarin Chinese and graduated with an honours degree in Computer Science and Economics from the University of Toronto.

With 20+ years of experience in managing and operating global payments and technology programs, Braulio Lam was Head of Development and IT of the payments division at Home Trust before it was sold to Peoples Trust. In 2016, he co-founded Pungle Payments, a leading Visa Direct integrated partner that he developed and brought to market before the company was acquired in 2019. Mr. Lam is also a Board Advisor for TipTap, a specialized card present, acquiring solution for micro payments.

Elena Litani is a co-founder and Chief Product Officer at Pillar, a Canadian neobank for small and medium businesses. Elena has almost two decades of experience as payment, product and technology executive in the financial industry. Her previous roles included VP of Engineering at KOHO (Canada neobank for consumers), Director of Product at nanopay (paytech), senior Blockchain innovation Product Lead at TD bank and senior pre-sales architect at IBM. Elena has actively participated in numerous Open Banking consultations; was an elected member of the Stakeholder Advisory Committee (SAC) for Payments Canada as well as an elected member at FinTech Advisory Committee, OSC LaunchPad. Elena is also a recipient of the Innovation Award from Women in Payments in (2019) and one of 35 women selected globally out of 500+ applicants to Money20/20’s first inaugural Rise Up program (2018).

Simon is a Standards transformation Lead at Pay.UK the UK’s Payment Service Operator. They are the infrastructure that makes payments work in the UK. Previous to this he was Head of Ecosystem Engagement at The Open Banking Implementation Entity. Whilst there he was responsible for multiple Open banking adoption initiatives. The most high profile being the HMRC (The UKs Tax Authority) adopting Open Banking on March 24th 2021. Since then they have received over 4BN sterling in tax collections via Open Banking.  Simon’s current role is to deliver standards that will allow UK SMEs to bank and function far more effectively. He is leading an initiative with accountancy providers, software companies and HMRC to make salaries easier for around 43% of the economy. This is all about aggregation, the true value of Open and API based banking.

Hugh McKee is Head of BMO Partners, BMO’s Enterprise partnership team accountable for using strategic partnerships and investments to help accelerate innovation and growth across BMO.  He is accountable for developing partnerships with Fintechs, Bigtechs, financial services consortia and innovation accelerators.  In addition to new partnerships, Hugh is also accountable for our relationships with a number of current partners include Moneris, Worldpay from FIS and ADP. Prior to his current role, Hugh was the Vice President of Enterprise Strategy in the Office of Strategic Management where he led Enterprise strategic initiatives.

Hugh has also held a number of operating roles within BMO including President and CEO of BMO Mutual Funds and Vice President of Customer Segment Management.  Before joining BMO in 2007, he was a Global Account Manager for Monitor Group, a management consulting firm, where he was a leader in the financial services practice.  Hugh holds an Honours BA in Economics from Queen’s University and an MBA from the Richard Ivey School of Business, University of Western Ontario.

Howie Millard is Associate Vice President, Government Relations for TD Bank Group.

Howie heads the team responsible for TD’s Government Relations activities in Canada, which includes all of the business lines (TD Canada Trust, TD Securities, TD Wealth and TD Insurance) as well the corporate functions (tax, ownership and human resources, etc).

In addition to participating in a wide variety of financial sector industry associations, he is Co-Chair of the FDX Canada “Government and Regulatory Engagement Task Force.”

Before joining TD in 2008, Howie worked for ten years as a political advisor in Ottawa.

Howie is originally from Regina, Saskatchewan and he likes steak and campfires.

Amit Monga has over 20 years of investment banking, venture capital, start-up and corporate governance experience in the technology, media, telecom, and life sciences sectors. Most recently, he was Managing Director, Technology and Innovation, Global Investment Banking, at one of Canada’s largest bank-owned investment banks.

Dr. Monga is a member of the External Project Advisory Panel of Ontario Centres of Excellence. He has previously served on the Innovation Council at Canadian Imperial Bank of Commerce and the boards of both the Canadian Medical Foundation and Alberta Innovates Technology Futures. He received his Ph.D. in Mechanical Engineering, from the University of Alberta, where his research focused on solving complex reliability-based design problems using genetic algorithms.

Former commercial banker and second time founder, Keren Moynihan is the CEO of Boss Insights. With 15+ years’ experience in financial services as a banker, advisor and mentor, she’s built Boss Insights to provide fintechs, private & traditional lenders with their business clients’ financial data … in minutes. With the broadest coverage of accounting, commerce, payroll and tax data, and a seamless portal that serves fintechs, private lenders and financial institutions, Boss Insights has earned media coverage by American Banker, Forbes, Bank Innovation, Open Finance World and The Financial Brand for saying that “Banks Must Adopt APIs or Fintechs Will Win”.  Boss Insights has won multiple awards including: Money20/20 Rise Up, CB Insights’ Top 35 Future in Fintech, Corporate LiveWire’s 2021 Lending Technologist Of The Year, Open Banking Excellence’s 2020 SME Award, 2020 Women In Payments’ Unicorn Challenge, Corporate Vision’s Most Innovative Leader In Lending Technology & Canadian Lenders Association’s 2019 Executive Leader In Lending.

Before Boss Insights, Keren started as a JD/MBA, working at a division of the TSX and then moving to commercial banking at RBC. Her first startup was an impact company financing large buildings to be energy-efficient.

Following a 20-year career as one of Canada’s preeminent television anchors and interviewers, Ben is looking forward to participating in the evolution of Open Banking in Canada.

He is also the co-founder  and Chief Impact Officer of Orchard Technologies , VP of Business Development at Midori-Bio. He sits of the board of trustees of Dream Industrial REIT, he is an ambassador for CNIB and is the chair of the board of the Shoebox Project USA.

Isaac Olowolafe Jr. is an award-winning real estate entrepreneur, angel investor and philanthropist. Isaac’s corporation, Dream Maker Inc., successfully operates multiple divisions including a brokerage, real estate development, venture and insurance.  The Development division celebrated the completion of the first major mixed-use development (condos, townhomes, retail) called Dream Residences at Yorkdale, located directly across from Yorkdale Mall, and has more developments underway across the GTA, including launch of Dream Suites @ YYZ boutique Hotel by Pearson Airport.  Through his love of sports, Dream Developments became the jersey sponsor of Canada’s Men and Women National Basketball Team.

Isaac received a Bachelor in Economics from the University of Toronto. He has received numerous awards and recognition, including a Harry Jerome Business Award, an Enterprise Business Award by Planet Africa, an Arbor Award from the University of Toronto, a Business Leadership Award by Leadership and Governance Canada Inc. and a Public Service Award from the Transformation Institute for Leadership & Innovation and Toronto Board of Trade Award.

In addition to his membership in the Ryerson Innovation Circle, Isaac made a generous donation which named the Isaac Olowolafe Jr. Digital Media Experience Lab in Ryerson’s iconic Student Learning Centre.  Recently Isaac Olowolafe Jr. Funded the launch of the 1st Black Tech Incubator out of Ryerson DMZ, along side with the co-launch of Black Innovation Capital the 1st Institutionally backed Fund for Black Entrepreneurs in Canada. As Chair of the Housing Committee of Black North, he was involved in the launch of Homeownership Bridge a Federally Funded program in partnership with Dream Legacy and Habitat.

As a leader with Canada’s largest Financial Institution, Shekher has led Market, Business and Distribution strategies for Regions, Channels, Investments and Insurance.  In addition to his accomplishments in Field, Operations and National Office environments, Shekher is currently focused on reimagining and digitizing RBC by designing and launching new digital products and leading key strategies supporting Digital Identity, Security, Access, APIs and Open Banking.  He has recently led the launch of North America’s first Digital Identity Verification solution and is designing new ways for clients and advisors to interact in a digital world while powering key business strategies across the enterprise.  Shekher is a thought leader and represents RBC on numerous industry consortiums, helping influence policy, perspective and standards on Data Sharing, Identity, and Open Banking. Shekher is recognized for his ability to lead, develop talent, and build high performance team cultures.  A passionate and mindful leader focused on building a better future.

Michael Scherman is a partner in McCarthy Tétrault’s Technology Law and Cyber/Data groups and has deep experience in providing practical legal solutions across a broad range of transactions and areas, including in relation to privacy and CASL compliance, technology outsourcing, cloud services, licensing, joint development arrangements, e-commerce, data sharing, distribution agreements and competitive/public technology procurements. Further, Michael brings specific knowledge and experience in addressing the unique concerns posed by emerging technologies and trends, including artificial intelligence and big data.

Sumee is the AVP, Open Banking at TD within the Digital Channels group and is responsible for overseeing TD’s role in the rapidly-evolving Open Banking ecosystem. Sumee has worked in the Financial Services Sector for over 7 years with a focus on emerging technologies, open banking, and digital identity. Prior to her tenure at TD, Sumee worked at Microsoft and launched a wide range of enterprise, developer and customer-facing software products.

Diogo Silva is head of division in the financial system regulation department @ the Central Bank of Brazil. He has over fifteen years’ experience dealing with financial system regulation issues and has spent the past 2 years and a half leading the team responsible for proposing the open banking regulatory strategy in Brazil, which has recently evolved into an open finance environment in Brazil. Diogo holds a bachelor of economics degree from the University of Brasilia and a post-graduate degree on Organizational Communication and Management from FIA Business School

Eyal Sivan is the Head of Open Banking at Axway, where he is responsible for positioning the firm as the number one thought leader and integration solution provider in the open banking space.

In his efforts to drive advancements in open banking around the world, Eyal has also created the unique personal brand Mr. Open Banking. Under this name, Eyal hosts the only podcast dedicated to the open banking community, where he interviews the key leaders, innovators and influencers who are driving and shaping the emergence of open banking all around the world.

Tushar is working as a Senior manager, Open Banking at Equitable Bank. He is responsible for the defining the Open Banking strategy and ensuring its successful implementation at the Bank.

He comes from a product management background with experience in building fintech products and IT solutions in the banking industry. Prior to Equitable Bank, he was a Product Manager at Razorpay, building platform products in the digital payment and payout domains. He has worked with Barclays as an AVP, working on UK Open Banking and managing Open API banking solutions.

Tushar is passionate about the open data economy beyond banking and Banking-as-a-service.

Alex is a policy wonk. He’s the executive director of Paytechs of Canada, an industry association that represents technology companies that move money. He’s also worked in policy and government affairs at Payments Canada and the Canadian Chamber of Commerce. In his spare time, he reads and writes. You can check out his thoughts on fintech and public policy here: https://themox.substack.com

Doug Woolridge is the Head of Financial Services for EPAM Canada.  Doug has extensive experience in open banking, digital banking, and digital payments, spanning verticals including banking, financial services and fintech.

Cindy is a financial services regulatory associate who advises clients in a variety of legislative matters with a focus in banking regulatory, fintech, payment processing, and regulatory advice that includes extensive knowledge in anti-money laundering, cost of borrowing and consumer protection. Cindy is an advisor to the Board of the Open Banking Initiative Canada.