The Point 2016

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Speakers

Our comprehensive conference programme featured 50 local and international speakers across a range of session formats including plenary and streamed sessions, keynote and quick-fire presentations, and panels.

International Keynotes

David Birch

Director of Innovation

Consult Hyperion

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul Stoddart

Managing Director

VocaLink

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan

Founder and CEO

Women in Payments

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon

Head of Payments Asia Pacific

SWIFT

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham

Regional Risk Officer Asia Pacific

Visa

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson

Founding Chairman

Advanced Human Technologies

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron

Australia and New Zealand Blockchain Business Development Leader

IBM

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Local Keynotes

Shamubeel Eaqub

Economist

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi

Executive Director

New Zealand International Business Forum

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer

Deputy Governor and Head of Financial Stability

Reserve Bank of New Zealand

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

C-suite Keynote Panel

Rob Roughan

Country Head of Commercial Banking

HSBC

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark Hiddleston

Managing Director Commercial & Agri

ANZ

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen Silk

General Manager Commercial Corporate & Institutional

Westpac

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock

Director Products and Technology

BNZ

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Karen Hou

General Manager and Executive Director

ICBC New Zealand

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin Murphy

Managing Director and CEO

TSB Bank

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Speakers

Dave Wilson

Director of Sales and Country Manager

Cisco New Zealand

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee Zhang

Deputy General Manager

Paybang/Alipay Australia

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs

Head of W3C Payments Activity

W3C

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria Richardson

General Manager Payments Direction

APCA

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield

Chief Executive Officer

BPAY

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Leigh Flounders

Chief Executive Officer

LATIPAY

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff

Chair

NPP Australia

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim Yudin

Director of Design and Delivery

Payments UK

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David Beardmore

Commercial Director

Open Data Institute

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark Rushworth

Chief Executive

Paymark

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon Jensen

Partner

Buddle Findlay

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy Dharmani

Chief Executive Officer

Flo2Cash

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Consumer Experience Panel

Melissa Jenner

Facilitator

Head of Design & Innovation at Grant Thornton

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne

Director Digital Capabilities A/NZ & Head of Proprietary Card Services NZ

American Express

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall

CEO

Loyalty New Zealand

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phillip Worsley

Head of Strategy Operations and Planning

Spark

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes

Chief Operating Officer

Transaction Services Group

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James Woodward

General Manager Enterprise Operations

Kiwibank

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

Dynamic Networks Panel

Andrew Bates

Chief Technology Officer

Harmoney

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Bradley Gerdis

Managing Director and Chief Executive

Smartpay

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Jessica Ellerm

Business Development Manager Banking

Tyro Payments

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert

Technical Director

G&D

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne Salton

Head of Digital Strategy and Planning

ASB

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Blockchain Panel

Stephen Macaskill

President

Blockchain Association of New Zealand

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Stephen is the President of the Blockchain Association of New Zealand, an initiative that facilitates networking, learning, and advancing blockchain technology. He also consults on the application of open-source technology to financial systems and operates Bitcoin.com's global retail division.

Stephen has a decade of experience in precious metals and financial markets. He recently sold his precious metal business, Amagi Metals, after pioneering cryptocurrencies in the precious metals industry. Amagi was the first of its kind to accept bitcoin and generated more bitcoin sales in a three year period than any other retailer.

Stephen is also an Alumni Board Member of the Foundation for Economic Education, an organisation dedicated to the education of Austrian Economics. He has made presentations across the US on the topics of bitcoin, blockchain technology, financial markets, and individual liberty including: Money 20/20, Denver Bitcoin Center, Freedom Fest, Liberty on the Rocks, Foundation for Economic Education.

Richard Miller

Partner

Deloitte Australia

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Stephen is the President of the Blockchain Association of New Zealand, an initiative that facilitates networking, learning, and advancing blockchain technology. He also consults on the application of open-source technology to financial systems and operates Bitcoin.com's global retail division.

Stephen has a decade of experience in precious metals and financial markets. He recently sold his precious metal business, Amagi Metals, after pioneering cryptocurrencies in the precious metals industry. Amagi was the first of its kind to accept bitcoin and generated more bitcoin sales in a three year period than any other retailer.

Stephen is also an Alumni Board Member of the Foundation for Economic Education, an organisation dedicated to the education of Austrian Economics. He has made presentations across the US on the topics of bitcoin, blockchain technology, financial markets, and individual liberty including: Money 20/20, Denver Bitcoin Center, Freedom Fest, Liberty on the Rocks, Foundation for Economic Education.

Richard is a Financial Services Partner in Melbourne and leads Deloitte's Payments Advisory practice. He has 20 years’ experience working with fintechs, payments service providers, government agencies and financial institutions on strategy development and execution. He has helped organisations across North America and Asia Pacific with projects relating to cards, mobile banking, M&A, regulation, process improvement, EMV, new product development and digital/mobile payments. He is also a frequent speaker on innovation in payments and blockchain/distributed ledger technology.

Outside of work Richard is passionate about his family, social impact through venture philanthropy and wine, in particular New Zealand pinot noir.

Katie Williams

Senior Solicitor

Buddle Findlay

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Stephen is the President of the Blockchain Association of New Zealand, an initiative that facilitates networking, learning, and advancing blockchain technology. He also consults on the application of open-source technology to financial systems and operates Bitcoin.com's global retail division.

Stephen has a decade of experience in precious metals and financial markets. He recently sold his precious metal business, Amagi Metals, after pioneering cryptocurrencies in the precious metals industry. Amagi was the first of its kind to accept bitcoin and generated more bitcoin sales in a three year period than any other retailer.

Stephen is also an Alumni Board Member of the Foundation for Economic Education, an organisation dedicated to the education of Austrian Economics. He has made presentations across the US on the topics of bitcoin, blockchain technology, financial markets, and individual liberty including: Money 20/20, Denver Bitcoin Center, Freedom Fest, Liberty on the Rocks, Foundation for Economic Education.

Richard is a Financial Services Partner in Melbourne and leads Deloitte's Payments Advisory practice. He has 20 years’ experience working with fintechs, payments service providers, government agencies and financial institutions on strategy development and execution. He has helped organisations across North America and Asia Pacific with projects relating to cards, mobile banking, M&A, regulation, process improvement, EMV, new product development and digital/mobile payments. He is also a frequent speaker on innovation in payments and blockchain/distributed ledger technology.

Outside of work Richard is passionate about his family, social impact through venture philanthropy and wine, in particular New Zealand pinot noir.

Katie is a senior solicitor in Buddle Findlay's financial services and corporate advisory practice. She specialises in financial system regulation, clearing and settlement systems, and payments. She has acted on a range of significant transactions, including the All of Government Banking contracts and the new Reserve Bank of New Zealand exchange settlement account system.

Katie acts for Payments NZ and also works for various startups in the financial services industry, including a number involving the use of cryptocurrencies. As a result she has developed a particular interest in blockchain technology and the potential uses for this in both the legal and financial services industries.

Fran Strajnar

Co-Founder and CEO

Brave New Coin

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Stephen is the President of the Blockchain Association of New Zealand, an initiative that facilitates networking, learning, and advancing blockchain technology. He also consults on the application of open-source technology to financial systems and operates Bitcoin.com's global retail division.

Stephen has a decade of experience in precious metals and financial markets. He recently sold his precious metal business, Amagi Metals, after pioneering cryptocurrencies in the precious metals industry. Amagi was the first of its kind to accept bitcoin and generated more bitcoin sales in a three year period than any other retailer.

Stephen is also an Alumni Board Member of the Foundation for Economic Education, an organisation dedicated to the education of Austrian Economics. He has made presentations across the US on the topics of bitcoin, blockchain technology, financial markets, and individual liberty including: Money 20/20, Denver Bitcoin Center, Freedom Fest, Liberty on the Rocks, Foundation for Economic Education.

Richard is a Financial Services Partner in Melbourne and leads Deloitte's Payments Advisory practice. He has 20 years’ experience working with fintechs, payments service providers, government agencies and financial institutions on strategy development and execution. He has helped organisations across North America and Asia Pacific with projects relating to cards, mobile banking, M&A, regulation, process improvement, EMV, new product development and digital/mobile payments. He is also a frequent speaker on innovation in payments and blockchain/distributed ledger technology.

Outside of work Richard is passionate about his family, social impact through venture philanthropy and wine, in particular New Zealand pinot noir.

Katie is a senior solicitor in Buddle Findlay's financial services and corporate advisory practice. She specialises in financial system regulation, clearing and settlement systems, and payments. She has acted on a range of significant transactions, including the All of Government Banking contracts and the new Reserve Bank of New Zealand exchange settlement account system.

Katie acts for Payments NZ and also works for various startups in the financial services industry, including a number involving the use of cryptocurrencies. As a result she has developed a particular interest in blockchain technology and the potential uses for this in both the legal and financial services industries.

Fran Strajnar is the Co-Founder and CEO of Brave New Coin, a Digital Currency and Blockchain data company. He is also the Founder of Bitcoin South, NZ's first international bitcoin conference.

After a decade of working with vendors like IDG, Vodafone and FairFax in roles ranging from Business Development to Product Management and Project Management, Fran did a Masters in Entrepreneurship and set up several businesses. After discovering bitcoin in 2010, he realised its technology would change the world and set up bravenewcoin.com (BNC). His current focus is 100% on growing BNC into the premier Digital Currency and Blockchain data provider.

Jon Rout

Head of Product APAC

Digital Asset

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been working with payment and identity technologies for over 15 years. She has advised a range of organisations, from startups to major banks, on the business implications of emerging payment and identity technologies. She is currently General Manager, Payments Direction at the Australian Payments Clearing Association (APCA).

APCA is the self-regulatory body set up by the payments industry to improve the safety, reliability, equity, convenience and efficiency of the Australian payments system.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

Paul Lahiff is the independent Chair of NPP Australia. The New Payments Platform (NPP) is a collaborative industry programme which is developing the infrastructure for fast, flexible data-rich payments.

Paul also chairs the Retail Finance Intelligence Advisory Board and Smartline Personal Mortgage Advisors, and is a non-executive director of AUB Holdings and LIXI Australia. He also runs his own consultancy business specialising in strategy formulation in the financial services sector.

He has over thirty-five years’ experience in banking and finance having served as Managing Director of Mortgage Choice, Permanent Trustee and Heritage Bank.

Tim is Director of Design and Delivery at Payments UK which is the trade association for payments in the United Kingdom. Payments UK has a large number of members including banks, building societies and card schemes and focuses on providing industry thought leadership. Tim is responsible for design and delivery of its project portfolio and implementation of major payments industry change programmes. He is Executive Sponsor of the World Class Payments Project which produced its initial report in the summer of 2015. The evidence-based approach taken and the deep analysis of the UK’s future needs have been a significant input in the UK’s Payment System Regulator’s strategy setting Forum.

Previously, Tim was seconded to the Payments Council from Logica (a technology company now merged with CGI) as Programme Director for the UK’s largest cross-industry programme this century - the Current Account Switch Service – successfully launched in September 2013.

Tim’s extensive experience is in complex multi-stakeholder programmes in the UK and internationally. Amongst other achievements, he led the initial design team at the Saudi Central Bank for SADAD, the Saudi Electronic Bill Presentment and Payments service. His career covers many years of strategy, design and development in payments, banking, and insurance.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Mark is the Chief Executive of Paymark, New Zealand’s leading digital payments company, a director of NZX listed company Freightways and was previously a director of mobile wallet provider Semble.

Prior to that, Mark was co-founder and Chief Executive of submarine cable provider, Pacific Fibre.

Mark has held a number of senior roles in the telecommunications sector, including Chief Marketing Officer for Vodafone New Zealand, Chief Executive of internet provider iHug as well as roles at Telecom.

Mark has a Master’s degree in Engineering from the University of Canterbury and is a keen outdoorsman.

Mark is married with three children.

Simon is New Zealand’s most experienced payments lawyer with over 20 years’ experience, starting with advising in relation to the introduction of Australear and Real Time Gross Settlement in the early 1990s and subsequently advising on most significant payment related changes since then.

He advises on payment system standards, access to payment systems, mobile payments, cryptocurrencies, domestic debit, credit card interchange, payment gateways and merchant acquiring arrangements (global and domestic). He also advises on prudential regulation, derivatives, strategic alliances, mergers and acquisitions (primarily in the financial sector) and corporate governance.

Andy is a passionate and inspirational leader who is well regarded for his vision and ability to deliver results. With natural business acumen and in-depth knowledge of technology, Andy is driving growth for Flo2Cash by focusing on internationalisation, partnerships, and new products. Andy has been part of startup businesses in the past where he played a pivotal role in growing the businesses and penetrating into difficult markets.

As its CEO, Andy is leading the Flo2Cash mission of “Making Payments Simple”. With its Payments Cloud, Flo2Cash is enabling financial institutions and businesses to take that big leap forward in payments without the need to invest millions in creating stand-alone payments infrastructure and solutions.

Melissa joined Grant Thornton in 2014 and is Head of Design & Innovation. Previously she enjoyed a long international marketing career working in New Zealand, London and New York in executive leadership roles for organisations such as Saatchi & Saatchi, NZX, Microsoft, Cantor Fitzgerald and Barclays. She is experienced in Marketing, Product Development, Strategy and Transformational Change.

Melissa returned to New Zealand in 2012 with a passion to help New Zealand companies grow, becoming the Director of Better By Design at NZ Trade and Enterprise. Whilst there she worked closely with Stanford Design School and IDEO and learned some world-leading innovation methodologies.

In addition to working for Grant Thornton, she is a Design Thinking Coach on the Global Women Programme and the Auckland Co-Design Lab, and a coach on the AUT Co-Starters programme for entreprenuers.

Melissa will be facilitating the Consumer Experience Panel during Breakout Stream 1 on day one of conference.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Stephen is the President of the Blockchain Association of New Zealand, an initiative that facilitates networking, learning, and advancing blockchain technology. He also consults on the application of open-source technology to financial systems and operates Bitcoin.com's global retail division.

Stephen has a decade of experience in precious metals and financial markets. He recently sold his precious metal business, Amagi Metals, after pioneering cryptocurrencies in the precious metals industry. Amagi was the first of its kind to accept bitcoin and generated more bitcoin sales in a three year period than any other retailer.

Stephen is also an Alumni Board Member of the Foundation for Economic Education, an organisation dedicated to the education of Austrian Economics. He has made presentations across the US on the topics of bitcoin, blockchain technology, financial markets, and individual liberty including: Money 20/20, Denver Bitcoin Center, Freedom Fest, Liberty on the Rocks, Foundation for Economic Education.

Richard is a Financial Services Partner in Melbourne and leads Deloitte's Payments Advisory practice. He has 20 years’ experience working with fintechs, payments service providers, government agencies and financial institutions on strategy development and execution. He has helped organisations across North America and Asia Pacific with projects relating to cards, mobile banking, M&A, regulation, process improvement, EMV, new product development and digital/mobile payments. He is also a frequent speaker on innovation in payments and blockchain/distributed ledger technology.

Outside of work Richard is passionate about his family, social impact through venture philanthropy and wine, in particular New Zealand pinot noir.

Katie is a senior solicitor in Buddle Findlay's financial services and corporate advisory practice. She specialises in financial system regulation, clearing and settlement systems, and payments. She has acted on a range of significant transactions, including the All of Government Banking contracts and the new Reserve Bank of New Zealand exchange settlement account system.

Katie acts for Payments NZ and also works for various startups in the financial services industry, including a number involving the use of cryptocurrencies. As a result she has developed a particular interest in blockchain technology and the potential uses for this in both the legal and financial services industries.

Fran Strajnar is the Co-Founder and CEO of Brave New Coin, a Digital Currency and Blockchain data company. He is also the Founder of Bitcoin South, NZ's first international bitcoin conference.

After a decade of working with vendors like IDG, Vodafone and FairFax in roles ranging from Business Development to Product Management and Project Management, Fran did a Masters in Entrepreneurship and set up several businesses. After discovering bitcoin in 2010, he realised its technology would change the world and set up bravenewcoin.com (BNC). His current focus is 100% on growing BNC into the premier Digital Currency and Blockchain data provider.

Digital Asset builds distributed, encrypted straight-through processing tools for clearing and settlement, leveraging the power of distributed ledger technologies to improve efficiency, security, compliance and settlement speed.

Jon Rout is Head of Product for APAC and is leading Digital Asset's engagement with the ASX in Sydney as we work together to leverage the power of Distributed Ledger technology to improve post trade for capital markets.

Prior to joining Digital Asset, Jon led the Commonwealth Bank of Australia's Blockchain Innovation team prototyping high value use cases and business models for the implementation of distributed ledger technology across retail and institutional financial services.

Host, MC & Facilitators

Steve Wiggins

Chief Executive

Payments NZ

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Kristy Duncan is founder and CEO of Women in Payments, an initiative that facilitates networking, learning, and gender parity advocacy for women across the global payments ecosystem. Kristy also consults in the payments market, maintaining a wide range of clients in the global payments sphere. Prior to her consulting career, Kristy held senior management roles at TD Bank in areas of corporate banking, cash management, treasury and finance. Kristy is a registered professional engineer, a member of FemTech Leaders, and the winner of the Digital Finance Institute’s 2015 FinTech Advisor award.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

Ross Dawson is globally recognised as a leading futurist, keynote speaker, entrepreneur and authority on business strategy. He is Founding Chairman of the Advanced Human Technologies group of companies, including the leading future research and strategy firm Future Exploration Network.

Strong global demand has seen Ross speak about the future to business and government leaders in 27 countries and lead executive education programs at top universities worldwide. He is a best-selling author of books including the prescient Living Networks, which foresaw the social networking revolution, as well as Trends in the Living Networks, ranked as one of the top business blogs in the world.

Ross’s frequent media appearances include CNN, Bloomberg TV, SkyNews, ABC TV, Today and Sunrise shows, Washington Post and many others.

rossdawson.com

Michael Aaron has spent over 35 years in Financial Services for IBM in a variety of Banking Industry positions, with a continuous focus on payments, from cheque processing in the early ‘80s to EFTPOS in the mid ‘80s, high value in the ‘90s, mobile in ‘00s and real-time retail payments on the ‘10s. Michael was the Financial Service Industry manager in Australia and the Banking Executive for IBM’s Growth Markets unit. In those roles, he has worked with all the major Australian and New Zealand banks as well as central and commercial banks in Asia and Latin America on a variety of projects, including payments, delivery systems, risk management, Central Bank supervision and national payment system design. Michael is an accomplished public speaker and has spoken at many conferences and events on a variety of hot topics within the banking industry and IT.

Michael has always had a genuine passion for banking and financial services, especially payments. In his previous roles, Michael has worked with central banks on RTGS, including a detailed review of a central bank’s RTGS payment system and government securities market infrastructure design, in comparison to international examples, trends and standards.

Michael and his team worked with commercial and central banks on national cheque image truncation projects in Australia and across Asia. He has consulted on the design, business model and capabilities of three national payments entities in Asia and created white papers on national real-time payments systems design. He has worked on the remediation of an Australians banks’ payment system and led the IBM team which engaged on the RBA- APCA NPP project.

Michael also assisted in the establishment of the Australian Payments Clearing Association (APCA) Advisory Councils for cheque, direct entry and ATM/EFTPOS. He was also the first and last chair of the CECS Advisory Council.

Shamubeel Eaqub is an independent economist with over a decade of experience as an economist in Wellington, Melbourne and Auckland in leading international banks and consultancy.

He was formally the principal economist at NZIER, a private economic consultancy firm.

He advises senior leaders in the private and public sectors, and his expert knowledge and evidence based contrarian views make him a valuable advisor.

Shamubeel is also an author, media commentator and a thought leading public speaker. He grew up in Canterbury and holds a BCOM with Honours in Economics from Lincoln University.

Stephen Jacobi is the Executive Director of the New Zealand International Business Forum and also serves concurrently as the Executive Director of the New Zealand China Council.

He is also Managing Director of Jacobi Consulting, a consultancy offering advice to clients in the fields of international trade, government relations and industry development, and works closely with BusinessNZ providing advice to the Australia New Zealand Leadership Forum.

Stephen has broad experience in industry and trade development. He was formerly Chief Executive of the New Zealand Forest Industries Council and Executive Director of the NZ US Council. He is also a frequent media and public commentator on industry and trade issues.

He has extensive diplomatic, trade and government experience including posts as Deputy High Commissioner in Ottawa, Assistant Trade Commissioner in Paris and adviser on trade and diplomatic issues with the Ministry of Foreign Affairs and Trade.

As an experienced director, Stephen is the Chairman of the St John’s College Trust Board in Auckland and the Te Aute Trust Board.

Educated at Auckland University, Stephen has a First Class Honours degree in French and German and is a graduate of the Ecole Nationale d’Administration (ENA) in Paris, as well as the Leadership Seminar of Georgetown University in Washington DC and the New Zealand Institute for Strategic Leadership (Millbrook). He was a Fulbright Scholar and Visiting Researcher at Georgetown University in 2013.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

Dave is responsible for all Cisco business including Service Provider, Enterprise and Commercial in New Zealand.

Dave has 20 years’ experience working in the ICT industry within New Zealand and overseas holding sales and senior management roles from vendor to distributor, reseller and end customers. He has a proven track-record of building go-to-market strategies, partnerships and high performance teams to ensure customers achieve their business goals.

Since joining Cisco New Zealand in 2009, Dave has led Cisco’s Global Service Provider group in New Zealand, and was the Client Executive and Regional Manager for Cisco’s Collaboration business. Dave’s endeavours have been focused on the Unified Communications and Collaboration market, assisting customers and partners to improve their businesses through the wider adoption and increased utilisation of these technologies.

Renee joined Paybang in 2015 where she managed a marketing team that played a key role in promoting and building the Alipay cross-border service brand.

In May 2016, Renee was appointed Deputy General Manager of Paybang. She assists the Alipay Australia and New Zealand Country Manager to manage key relationship with Australia and New Zealand retailers. Renee also supports the growing number of Chinese tourists, students, and retailers using Alipay in Australia and New Zealand.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Victoria has been w