Meet Process Intelligence: the connective tissue of your enterprise, powered by Celonis’ industry-leading process mining technology. Process Intelligence connects you to your processes, your teams to each other, and AI to your business. Celonis provides real-time visibility into payments operations, helping banks uncover inefficiencies, eliminate manual interventions, and improve straight-through processing.

Lia Cao is a Managing Director, Global Head of Embedded Finance & Solutions at J.P. Morgan Payments in the Corporate and Investment Bank (CIB). In this role, Lia leads a global product and solutioning team to build and deliver a full suite of innovative and scalable embedded finance products, industry-tailored payment solutions and value-added services that power our clients to transform commerce experiences for their ecosystem participants. The embedded finance product suite ranges from payments to banking solutions. Value-added services include trust & safety and data & analytics. And the industry solutions cover healthcare payment solutions, mobility payment solutions and more.

Prior to this role, Lia co-led the global corporate and e-commerce sales and solutions teams that covered over 2,000 clients globally. The team delivers integrated solutions that meet complex client needs, incorporating all aspects of the firm’s holistic payments offering: Treasury Services, FX, Merchant Acquiring, Commercial Card and Trade.

Prior to that, Lia was the Head of Wholesale Payments Solutions and North America Head of Treasury Services (TS) Corporate Sales at J.P. Morgan. In her solutions role, Lia was responsible for the overall global solution strategy to maximize commercialization of the firm’s capabilities with some of our largest and most strategic global clients. In her sales role, Lia led the NA TS Corporate Sales team across all industry segments, cover over 700 NA headquartered large corporations.

Previously, Lia held various executive roles including the Head of Business Transformation for Treasury Services and Head of CIB Strategy in the Americas. Lia joined J.P. Morgan in 2011 in the Corporate Strategy Group and was responsible for leading many cross line of business initiatives.

Prior to joining J.P. Morgan, Lia worked as an Associate Principal in McKinsey & Company, a leading global management consulting firm. She spent more than five years at McKinsey, serving a wide range of banking and capital markets clients.

Lia holds a Ph.D Degree from Massachusetts Institute of Technology in Urban Economics and Real Estate Finance. She holds Bachelor and Master Degrees from Tsinghua University in Beijing, China.

Sarah T. Billings is senior vice president and group manager responsible for Global Payments at PNC. In her role, she manages the enterprise payments platforms supporting Treasury Management, Retail, and Capital Markets, among other businesses. Additionally, Billings is responsible for product management for the Treasury Management payments suite and international treasury management products.

Billings leads the strategic planning and execution of a multi-year roadmap that enables PNC clients to take advantage of the latest innovations in payments to power their business functions. Billings and her team have positioned PNC as a leader in payments innovation, as evidenced by award-winning services, such as ePayments (2023 Aite Impact Award for Cash Management and Payments) and Intelligent Routing (2023 Celent Model Bank Awards for Simplifying Payments). Billings was also named one of Chicago’s 2023 Notable Leaders in Finance by Crain’s Chicago Business.

Prior to joining PNC, Billings was the managing director and head of global payments and deposits platforms at Bank of America Merrill Lynch.

Billings plays an active role in the industry, serving on the Nacha Board of Directors and the Federal Reserve Bank of Cleveland’s PAY-4th Advisory Group. She also serves on the Women in Payments (WIP) Advisory Board and leads PNC’s sponsorship of the annual WIP Unicorn Challenge, combining her passion for promoting diversity by recognizing women-led fintechs. Billings regularly speaks at national and international conferences, including the Association of Financial Professionals (AFP), Nacha Faster Payments Conference, Women in Payments USA and Canadian Symposia, among others. Billings graduated Phi Beta Kappa from the University of Michigan in Ann Arbor

Matt is responsible for driving the next generation of retail banking payments at JP Morgan Chase. He is responsible for strategy, advocacy and delivery of Payments 2.0 which includes instant payments, Pay by Bank, aggregator-based payments, as well as associated capabilities necessary to safely and securely modernize payments.

Prior to joining Chase, Matt was a Vice President with Visa where he was most recently responsible for both Real-Time Payments and Open Banking Product and Strategy in North America. Previously at Visa, he was Global Strategy and Business Operations Lead for Visa Direct and prior to that he led North America Product Strategy, Initiatives and New Product Development. Matt was also Board Member, on the Executive Committee and Chaired the Network Committee for the U.S. Faster Payments Council.

Before joining Visa in 2015, Matt was a Managing Director at Accenture where he was Global Strategy Lead for Payments as well as Head of Accenture Payment Services in North America. Prior to Accenture, Matt served in a similar role as a Principal at Booz Allen. Matt previously served as Director at the U.S. Department of the Treasury, Fiscal Service.

Matt has over 25 years of experience in retail, commercial and cross-border payments covering strategy, customer-centric product development, operations, enterprise risk, digital (mobile, analytics, etc.), large-scale transformation, business process reengineering, operating model development, and supervisory and regulatory structures and compliance. Matt has worked closely with financial institutions, payment networks, retailers, and technology companies in applying his experience as well as at the U.S. Treasury and the Federal Reserve.

Education experience:
J.D. from Catholic University and bachelor’s degree in Accounting from George Washington University

Matt lives in the San Francisco Bay Area with his wife and has a son and daughter.

Albert currently leads Priority’s Banking and Treasury Solutions Business Unit. Priority (PRTH) is a publicly traded financial technology company processing nearly $130 billion in annual payment volumes and manages over $1.4 billion on daily cash balances. The Treasury Solutions Business Unit is one of the fastest growing in the company and is dedicated to maximizing cash flow and streamlining financial operations for customers.

Albert has over 25 years of experience in finance, strategic planning and operational roles across a variety of financial and technology companies including Wells Fargo, Hewlett Packard, PayPal, Blackhawk Network, and Priority Technologies. His broad experience including CFO and Corporate Treasurer positions gives him a unique perspective on financial services.

Albert has an MBA from the University of Texas at Austin (Hook ‘em Horns) and lives in San Jose, CA.

Michael Ruttledge is the Chief Information Officer and Head of Technology Services for Citizens Financial Group. He oversees all aspects of the bank’s technology environment, from customer- and client-facing applications to the people, processes and infrastructure supporting Citizens’ day-to-day business operations. He spearheaded our Next Generation Technology transformation to modernize the bank and deliver personalized, digital solutions for customers and delivered a major up-skilling initiative and strong culture of learning through immersive Engineering and Architecture Academies, digital credentialing and building of critical skills for the future such as AI, Blockchain, Modern API’s and Cloud.

Before joining Citizens in 2019, he previously held the position of Unit Chief Information Officer of American Express Co. He has more than 20 years of experience in infrastructure and engineering roles within the financial services industry including payments, merchant services, customer service, risk, fraud, banking and finance. He has been recognized for developing the vision, strategy and innovative culture to execute new digital capabilities, big data, payments, and next generation analytics platforms that advance business strategies. He received a graduate degree in Information Systems from the University of Brighton in the United Kingdom.

ServiceNow Disputes Management, Built with Visa, combines the power of a leading AI-first platform with the world leader in digital payments to automate and orchestrate disputes with a single experience layer.

This one AI-powered workflow allows banks to reduce expensive contact center volumes and operational costs by maximizing deflection, accelerate employee productivity and restore service faster with prebuilt network rules and integrations, improve customer experiences with more personalized service and quicker resolutions, and ensure seamless compliance with embedded controls to comply with relevant protocols.