Mark Monaco

Head of Enterprise Payments, Bank of America

Mark C. Monaco is head of Enterprise Payments for Bank of America. In his role, Mark is responsible for defining the bank’s payment strategy and driving the evolution and implementation of payment initiatives across the organization. Mark manages payment network partnerships, payments innovation and initiatives and Merchant Services. Mark is also a member of the management committee team.  Mark represents Bank of America as Chairman on the board of directors of the Payments Company of The Clearing House.  He also is on the boards of directors of Akoya and Early Warning, and the executive committee of card policy council of the American Bankers Association.

Mark has over 25 years of experience in the financial services industry, spanning investment banking, private equity and payments. Mark began his career in financial services with Credit Suisse First Boston. At CSFB, Mark was in the financial institutions group within the investment banking department and later served as Director of Finance and Corporate Development for the firm. Subsequently, he joined the firm’s private equity affiliate, Windward Capital Partners, leading investments in financial and business services, including serving as Chairman of the Board of Retriever Payment Systems, Inc. Additionally, Mark was head of Principal Investments for Brooklyn NY Holdings, LLC. Prior to joining Bank of America, Mark was the Executive Vice President and Chief Financial Officer for iPayment Holdings, Inc.

Mark earned his MBA from the Wharton School of the University of Pennsylvania and his undergraduate degree from Harvard University.

Nigel Moden

Global Banking & Capital Markets Leader, EY

Nigel is the EY Global Banking and Capital Markets Leader for Financial Services and sits on the EY Global Financial Services Markets Executive representing the banking sector. He is responsible for helping manage the portfolio of Banking and Capital Market accounts globally, so that EY teams are bringing insights, and investing in new ideas and innovative approaches, that help clients succeed in a challenging marketplace.

A former banker, Nigel has over 30 years’ experience in professional services, leading multidisciplinary international teams, building senior client relationships and overseeing large-scale regulatory change, business transformation and performance improvement programs. He is also the longstanding EY Global Client Service Partner for one of the largest banking and financial services institutions in the world.

Chris Como

GM and Head of Product, Cards & Money Movement, FIS

Chris Como leads the Cards and Money Movement business which provides issuer processing solutions (credit, debit and prepaid), value added services (loyalty, risk, and digital capabilities), network services, and money movement services to over 6,000 clients. Prior to his GM role, Chris was head of product for Payment Solutions.

Chris joined FIS after 15 years at Visa, where he created, developed and led Visa Consulting & Analytics an integrated management and data consulting service advising financial institutions. He advised US and global card issuing clients on new product development, marketing, risk, and operational efficiency.

Before that, he held roles at Deloitte, in the Strategy and Operations practice; American Express, as a finance officer; and Sapient, as a technology architect. He is a payments leader with over 20 years of global experience as a management consultant, financial analyst and technology architect in payments.

Chris holds a Master of Business Administration from NYU and a Bachelor of Science in Computer Science from Cornell University.

Jonathan Chertkow

Partner & Global Head of Financial Services, Hogan Lovells

Jon is a partner in our Financial Services team, with particular experience helping banks, consumer finance firms, payment service providers and FinTechs navigate the ever-changing regulatory environment and manage risk.  Using industry and regulatory knowledge built up over more than 20 years working in this sector, Jon helps clients innovate through new products or new operations, carry out compliance audits of their existing business and engage with regulators and customers.

He regularly advises payments clients on all aspects of payments regulation, including payment scheme arrangements.  He brings his understanding of the day-to-day regulatory requirements to help clients find commercial solutions on M&A transactions, strategic investments and helps clients navigate litigation and investigations.

Sara Castelhano 

P20 Chair & Co-Head, EMEA Payments & Commerce Solutions, J.P. Morgan

Sara is co-Head Payments and Commerce Solutions for Europe, Middle East and Africa (EMEA) within the Payments business.  The Payments & Commerce business at JP Morgan combines Global Payments and Merchant Acquiring to provide integrated solutions to clients around the globe.  She has end-to-end Product Management responsibilities and is accountable for the provision of pay-in and pay-out products across 13 countries and over 120 currencies.

Sara has worked in a variety of Product roles, supporting various product sets across wealth management, retail banking and transaction banking.  She is recognized thought-leader in Transaction Banking, featuring in various industry publications and represents J.P. Morgan at global conferences.  Sara is the chair of the Board of J.P. Morgan Middle East Limited.

Victoria Din

Senior Vice President, U.S. Public Sector, Mastercard

Victoria Din leads Mastercard’s public sector business in the United States and oversees the company’s engagements with U.S. federal, state and local government, higher education and transit infrastructure partners. Across her work, she leverages the full spectrum of Mastercard – philanthropic, commercial, and industry-leading technology – to help public sector leaders work better, faster, and smarter for their constituents.

Victoria brings a diverse array of public and private sector expertise to her role. She most recently served as Chief of Staff for the Americas at Mastercard, working closely with the President of the Americas and regional leadership team to manage all customer-facing activities, strategy, product, technology, and operations for the U.S., Canada, and Latin America. Over the course of her tenure at the company, she has also held roles in product development for small business and micro enterprises, M&A finance, and business-to-business marketing.

Before joining Mastercard, Victoria spent the majority of her career in public service. She served as a political appointee in the Obama Administration, including advisory roles within the State and Commerce Departments. She also has experience on the Hill, at the White House, and in the non-profit space.

Victoria has an MBA from Columbia Business School and a BA from Claremont McKenna College. She resides in Westchester with her husband, Greg and rescue pup, Rey.

Simon Eacott

P20 Deputy Chair & Head of Payments, NatWest

Simon is currently Head of Payments at NatWest, where he is responsible for implementing the Group’s Payments strategy including, Product and Scheme management, Operations and the delivery of Transformational Change. He has extensive Leadership experience across the Payments industry, with expertise in strategic change programmes, cash management sales, operations and product management.

Throughout his career he has undertaken a number of roles in different organisations and functions including being Head of Design and Franchise Delivery at the Royal Bank of Scotland, leading teams to deliver changes to meet  State Aid remedies.

Simon sits on many Payments Industry bodies including being chair of the Strategic Participant Group advising the Pay.UK Board. He is also a member of the Payments Advisory Board at Pennies (pennies.org.uk), the charity that champions micro donations.

Matt Freeman

Senior Vice President, Digital Payments, Navy Federal Credit Union

Matt Freeman serves as Senior Vice President of Digital Payments at Navy Federal Credit Union, where he leads the strategy, operations, and financial management for all non-card payment platforms. His responsibilities include overseeing ACH, wire transfers, faster payments, Zelle, cashier’s checks, RTP, FedNow, and cash transit initiatives, supporting the needs of over 15 million members.

With more than twenty years of leadership experience in the credit union sector, Matt has diverse financial services expertise in digital experience, card and non-card payments, product strategy, and risk management. He actively contributes to several industry committees, including The Clearing House RTP Business Committee, the FedNow Advisory Committee, and the Nacha Emerging Payments Advisory Committee.

Richard Swales

Chief Risk & Compliance Officer, Paysafe

Richard joined Paysafe in October 2019 and has global responsibility for Risk, Compliance, Regulatory Affairs and ESG Reporting.

Richard brings extensive knowledge of these various disciplines gained during a 30+ year career which has seen him work in Europe, Asia and the US. He started his career working in the public sector as an Officer for the UK’s HM Customs & Excise followed by more than 25 years in banking, commercial finance, insurance, telecoms and payments with a focus on risk management, compliance, operational effectiveness, regulatory affairs, strategy and business development. Richard has also led initiatives in developing markets with an emphasis on financial inclusion.

Before Paysafe he worked for PayPal where he spent nine years leading their global risk and compliance strategy and was instrumental in supporting significant growth for the business.

David Pitt

Chief Executive Officer, Pay.UK

David joined Pay.UK in July 2021. David has a strong and successful track record delivering high profile projects both in the UK and internationally, and leading organisations through periods of transformational change. Most recently he delivered a transformation strategy at the Government’s Test, Trace and Containment operation where he was Chief Operating Officer, responsible for overseeing the end-to-end process to improve overall delivery across the UK. David was COO at esure leading the business through major transformational change prior to its sale. He has also held senior roles at RSA Insurance, including CEO, Greater China.

John Hunter

Managing Director, U.S. Cash Management, Global Transaction Banking, Scotiabank

John Hunter is Managing Director, U.S. Cash Management at Scotiabank. Based in Tampa, he is responsible for leading the Bank’s U.S. cash management strategy and capabilities, driving modernization across payment and transaction services.

John joined Scotiabank from Wells Fargo, where he was Executive Vice President and Product Management Executive for Global Treasury Management. Prior to that, he served as CEO of the Americas and U.K./Ireland regions at SWIFT, overseeing regional strategy and collaborating with financial institutions to deliver cross-border, real-time payments.

Earlier in his career, John spent nearly two decades at J.P. Morgan, where he held several senior roles in wholesale payments, including Managing Director, Head of Global Clearing. He also founded J.P. Morgan’s IIN Blockchain Network, now known as Liink.

He holds a degree from Brigham Young University.

Elena Casal

Chief Client Officer, The Clearing House

Elena Casal is Chief Client Officer at The Clearing House, responsible for creating and managing the holistic experience for its customers and partners. This role includes growing the RTP network across U.S. financial institutions, evolving the customer engagement model for all TCH payments networks and promoting the company’s work to its diverse target segments.

Elena has deep experience with product and customers in the payments industry.  Prior to joining The Clearing House, Elena held regional and global product management positions at FIS, Clear2Pay and Fiserv where she was focused on building products and services across the global enterprise payments landscape.  These roles included managing R&D across ACH, Wires, Swift, ISO 20022 and real-time payments. She also worked at the Federal Reserve Bank within the Retail Product Office and Monetary Policy Divisions with a focus on cross-border activities and economic policy in Latin America.

Elena currently serves on the Women in Payments Advisory Board, the P20 Board as well as the Girls on the Run Board. She has previously served on multiple industry councils such as the Board of Directors for BAFT (Banking Association for Finance and Trade) and the NACHA Alliance.

Elena holds a B.A. in Economics and International Affairs from Denison University and an M.S. in International Affairs from Georgia Institute of Technology.

Tim Vanderham

Vice President, Global Integrated Risk Platform - Risk and Identity Solutions, Visa

Tim leads the Integrated Risk Platform Strategy, Product, Engineering, and Design for Visa’s Value Added Services, and is responsible for the successful optimization and development of Visa’s AI-enabled fraud detection, prevention and management solutions. Tim’s focus is on the successful enhancement, delivery, and operations across Visa’s VAS offerings as a single platform for our customers across product strategy, product engineering and deployment across all geographies.

Tim joined Visa from Featurespace, where in his role as Chief Operating Officer he was responsible for the successful execution of Featurespace’s growth strategy and day to day company operations. Prior to Featurespace, Tim has spent over twenty years with companies in various executive leadership positions focusing on building, transforming technology businesses, and developing platforms that solve clients’ problems. Tim served as EVP and CTO at NCR, where he helped transition the company from a hardware/software business to a SaaS subscription business model. Prior to NCR, Tim served as CTO for Thomson Reuters Tax and Accounting Division. Tim started his career at IBM as an intern while studying at South Dakota State University. Tim’s career at IBM across the IBM Software and Cloud divisions culminated as Vice President of Cloud Development, IBM Cloud.

Tim is based in Atlanta but spends considerable time in Cambridge and London working with the team members to deliver on Visa’s long-term vision. Tim enjoys traveling, staying active outdoors, and is a sports enthusiast.

Dean Henry

Co-head, Global Payments & Liquidity Strategy, Digital & Innovation, Wells Fargo

Dean is co-head of the Global Payments & Liquidity business, leading the teams responsible for developing and commercializing payables, receivables, international, commercial card, liquidity and working capital solutions for Wells Fargo’s wholesale banking clients worldwide.

Prior to joining Wells Fargo in 2024, Dean was Executive Vice President, Global Business Financing, Payments and Digital Experiences, in American Express’ Commercial Services division. His responsibilities included leading a global product team that managed supply-chain financing, accounts payable automation solutions, cross-border payments, travel payments and digital channels.

Dean joined American Express from Bank of America, where he held multiple positions focused on the global expansion of payment solutions. Dean was Managing Director and Head of Innovation for the Global Transaction Services business, responsible for designing and driving the execution of innovation initiatives aimed at building the transaction bank of the future. Additionally, Dean served as Head of Global High Volume Payments responsible for U.S. Digital Payments, ACH and Check Disbursements.

Dean received a B.A. from Colby College, an M.S. in Information Systems from The Johns Hopkins University and an M.B.A. from Northwestern University - Kellogg School of Management. He is based in New York City.

Edward Bowles

Global Head of Government Relations & ESG, Wise

Edward Bowles is Global Head of Government Relations and ESG at Wise plc, having joined in October 2023. Edward is a member of the FSB LRS Taskforce, the CPMI PIE Taskforce, the Advisory Group to the FSB Forum on Cross Border Payments Data, UK Finance’s Payments Board, Consumer International’s Digital Finance Advisory Council and is Chair of UK Finance’s International Payments Engagement Committee.

Edward joined Wise from Meta, where he was Global Director of Fintech policy and member of the payments product group leadership team under David Marcus, which included the Libra/Diem project. Edward joined Facebook (as it then was) in 2019, from Standard Chartered Bank, where he spent 12 years in a number of roles, leaving as Managing Director for Global Public Affairs. During this period, Edward also served as a member of the European Commission's Advisory Group on the EU-US TTIP for the duration of the negotiations, as well as on a number of trade association committees (BBA/UK Finance, AFME etc), the Board of Asia House and Hacked Off.

Prior to his time in the private sector, Edward was a civil servant in the Ministry of Justice under the Blair government, and previously practised law as a Barrister and Crown Prosecutor. Edward has an MBA from Imperial College and was Called to the Bar at Middle Temple.