Carter Pape covers cybersecurity for American Banker from Davis, California. He was previously a reporter for The Times-Independent in Moab, Utah and holds a degree in mathematics from North Carolina State University. He is also an avid programmer and has worked in several software development roles.
Vineeth Subramanyam leads Spring by Citi, Citi’s digital payment acceptance service globally. He has over two decades of experience across payments and ecommerce in product, strategy and innovation roles.
Rich Meszaros is Head of Cross Border Money Movement at Visa Direct, leading the commercialization strategy and business growth for NA Visa Direct. Visa Direct provides a mature infrastructure for real-time money movement across 200+ countries & territories, 160+ currencies, and 12 billion endpoints.
Rich brings over 20 years of industry experience in building and growing digital businesses for global brands, and has held leadership roles at Accenture, MoneyGram International and US Bank. He is a forerunner in creating innovative products, leveraging IoT, digital payments and tokenized assets with a focus on designing, enabling and optimizing new commerce models.
Rich holds an MBA from the Carlson School of Management at the University of Minnesota, a B.S. from Marquette University in Economics and Finance and is a graduate of the Consumer Bankers Association Graduate School of Retail Bank Management.
As head of merchant, business banking at U.S. Bank and Elavon, Jordan Owen leads a team of 200+, who drive merchant success within business banking at Elavon. With a remarkable track record of driving innovation in the payments space, both at bank-backed institutions and private equity-funded fintech companies, Jordan has dedicated her career to championing excellence in merchant solutions, cultivating strong relationships with industry partners, delivering results and solutions that optimize customer experience, efficiency, and profitability. She mentors women from different backgrounds and initiated a program to help prospective employees enhance their job applications. Jordan holds a bachelor’s degree in English literature from Durham University in England and completed postgraduate coursework at the London School of Economics.
Many small business owners use a variety of software to run their operations, often leading to a collection of unconnected tools that increase administrative work and costs. As a result, there’s growing demand for bundled, all-in-one solutions that simplify processes and help save time and money. Jordan can discuss which types of SMBs typically seek out these solutions—often those in the micro segment—what our data reveals about these businesses, and how adopting such solutions leads to greater success.
Tim is a seasoned payments executive with extensive industry experience, currently serving as the Executive Vice President of Enterprise Payments and Open Banking at Regions Bank. In this role, Tim spearheads the bank’s enterprise payments strategy, focusing on the bank’s adoption, implementation, and innovation of new payment technologies such as instant, cryptocurrency and legacy payment systems. In addition, he also oversees the ban’s enterprise open banking strategy including both data sharing and data aggregation objectives. His strategic vision and expertise are key contributions to Regions’ evolution of its digital payments’ capabilities.
Before joining Regions in 2020, Tim served in leaderships roles at The Clearing House, a private sector, banked owned competitor to the Federal Reserve Bank’s financial services. During his tenure at The Clearing House he made leadership contributions in payment advocacy, product development, business development and overseeing the company’s third strategic partnership program. His expertise and innovative approach not only helped The Clearing House to shape the evolving landscape of the U.S. payments industry but also foster collaborative advancements across the industry.
Tim currently serves on the Nacha Board of Directors and The Clearing House Payments Company Board, reflecting his commitment to influencing and advancing payment systems nationally. Furthermore, he has lent expertise in a consultative role to several central banks around the globe, including those of Trinidad and Tobago, Bangladesh, and South Korea, advising on payments modernization and payments innovation.
Jodie Kelley is the CEO of the Electronic Transactions Association (ETA), the world’s leading trade association for the payments industry. She brings more than 25 years of experience managing and providing strategic guidance to large organizations, including those in the technology, financial services, and software sectors.
During her tenure, Jodie has led the expansion of ETA’s educational programs and created new initiatives that help the industry navigate the complex compliance landscape. She has significantly evolved and expanded ETA’s government relations work in the U.S. at the federal level, in all 50 states, and in Canada, and has positioned ETA as the expert on critical and emerging topics including AI, privacy, and open banking.
Prior to leading ETA, Jodie served as Senior Vice President and General Counsel for the Business Software Alliance, where she managed programs supporting the software industry in more than 30 countries. She began her career as a partner at the law firm Jenner & Block before moving into leadership roles in financial services, including serving as Vice President and Deputy General Counsel at Fannie Mae.
Jodie is a relentless advocate for gender parity within the payments industry, taking action to get more women into payments and rising through the ranks. She earned her B.A. from the Pennsylvania State University and her J.D. from Harvard Law School.
Amir Wain is a recognized payment thought leader and serial entrepreneur. His entrepreneurial journey began when he founded Innovative Pvt. Limited in 1987. In 2000, he founded i2c to modernize financial technology. As CEO, Amir sets the strategic direction to realize his vision of a global, unified banking and payment platform that delivers unparalleled flexibility and agility while providing security and reliability.
Outside of his work at i2c, Amir serves as Chairman of the Board at numerous startups including xiQ, an AI-powered sales and marketing platform. He is also a limited partner to venture capital funds focused on B2B companies leveraging artificial intelligence and machine learning. Amir also serves as Chairman for the Wain Foundation, which is focused on improving health and well-being, the quality of education, and clean water and sanitation in the world.
Jen Martin is an accomplished executive in fraud prevention, bringing over 25 years of expertise spanning criminal justice, banking, and anti-fraud initiatives. She has established and managed high-performing fraud programs, introduced advanced detection technologies, and formulated policies to address emerging threats. Her comprehensive background includes regulatory compliance, analytics, risk management, and security. Jen has played a vital role in protecting organizations from significant financial and reputational losses due to fraud, with particular emphasis on consumer education.
Tim Davis leads Deloitte’s Blockchain and Digital Assets (BDA) Consulting practice and brings more than 30 years of experience in helping organizations navigate emerging technology cycles. Throughout his career with Deloitte, he has advised a broad spectrum of clients—from large multinational technology companies to high-growth startups—on innovation, digital transformation, and adoption of next-generation technologies. In the BDA space, Tim works closely with major banks, payment intermediaries, custodians, and enterprises integrating digital assets into their strategies and operations. He is advising several clients on tokenized deposit and payment stablecoin adoption.
Having lived and worked in Europe, South Africa, and the United Kingdom, Tim brings a global perspective to his leadership and client work. He also collaborates with universities and research institutions to advance blockchain technology, standards, and education, further positioning Deloitte as a trusted advisor in the industry.
Beyond his professional responsibilities, Tim serves on the board of the Deloitte Foundation, a U.S. education nonprofit focused on developing future talent and fostering excellence in teaching, research, and curriculum innovation. He is also an emeritus board member of Treehouse for Kids, a Washington State nonprofit supporting foster youth through education, and he volunteers with Operation Nightwatch in Seattle, which serves the local homeless community. Outside of his community work, Tim enjoys hiking year-round on the many trails across the Pacific Northwest.
Allysun Fleming is Executive Vice President, Executive Director of Payments for Comerica Bank. She is a member of Comerica’s Management Executive Committee.
In her role, Fleming provides strategic direction, financial management, and leadership for all aspects of the Treasury Management, Deposit, Digital, and Payments businesses. She remains focused on leading with client experience and driving growth across all customer segments.
Fleming’s career has included more than 20 years in the financial services industry. She joined Comerica in August 2022 from Wells Fargo in Charlotte, North Carolina, where she delivered customer improvements as Head of Customer Transformation for Commercial Banking. Fleming continued to climb the ladder during her 12 years with the organization, serving in a variety of roles across Treasury Management including managing TM Client Delivery – comprised of implementation, commercial account opening, and enrollment and automation tools teams – driving digital transformation and product simplification initiatives, and global product management experience. Coupled with her Treasury Management knowledge, Fleming garnered consumer and small business banking experience through Business Deposit product management and finance roles for the Consumer Bank.
Prior to Wells, Fleming held a variety of international assignments at HSBC, including Commercial Banking Relationship Management in Buffalo, New York; Strategy and Business Development for M&S Money in the United Kingdom; digital product management for Internet and Self-Service Banking in Hong Kong; and Human Resources in New York, New York.
Fleming earned a bachelor’s degree in economics and political science from the State University of New York at Buffalo. She currently serves on The Clearing House’s PayCo Board of Directors. In 2024, she was named one of American Banker’s Most Influential Women in Payments.