Michael is a strategic insights and content development executive with a subject matter expertise in financial services and strategy consulting. Prior to his current role, Michael served as a senior analyst with Arizent’s PaymentsSource publication (now part of American Banker) where he published articles and research reports, conducted podcasts and led the brand’s social media strategy. Before joining Arizent, he held executive roles at Visa, Ondot (Fiserv), Synchrony, Capital One and McKinsey. His strengths include his ability to sift through data, understand its strategic and tactical implications and then relay that to executives in a succinct manner. In his spare time, Michael enjoys travel, hiking and volunteering at the Texas Food Bank. Michael holds an M.B.A. from Kellstadt Graduate School of Business at DePaul University and a B.B.A. from Ross School of Business at University of Michigan.

Chana R. Schoenberger is the editor-in-chief of American Banker. Previously, she was the editor-in-chief of Financial Planning after joining Arizent in 2020.

In her prior role, she was the managing editor for U.S. wealth management at J.P. Morgan. Before that, she was a columnist and freelance journalist, and previously worked at Bloomberg News, Dow Jones/The Wall Street Journal, and Forbes. A graduate of Harvard College, she received her master’s degree as part of Columbia Journalism School’s Knight-Bagehot Fellowship for business journalists. She is now based in New York City after stints in Tokyo and Canada.

Chris is an Associate Partner in McKinsey’s Chicago office. He leads digital transformations in Commercial Banking, with industry knowledge of Transaction Banking and functional expertise in product management and agile delivery.

Prior to McKinsey, Chris worked at Deloitte Technology Consulting, predominantly focused on package implementations. While getting his MBA, Chris also interned at Facebook supporting the development and implementation of customer support capabilities for their growing Workplace product.

Chris received his MBA from University of Chicago Booth and his undergraduate degree from Villanova University.

Vivek Dwivedi leads a $450M P&L portfolio encompassing Payments, Exchanges, Market Infrastructure, and Banking for the North America region. Based in Phoenix, Arizona, Vivek brings over 25 years of expertise in driving business outcomes for Fortune 500 companies through digital transformation initiatives.

An expert in cards and payments, banking, investment management, and retirement services, Vivek operates at the intersection of business and technology. His inclusive leadership style and focus on fostering a high-performance work culture enable him to deliver exceptional value to clients and stakeholders.

Vivek holds an MBA from NYU-Stern School of Business and an engineering degree from the Indian Institute of Technology.

Dan currently leads the revenue organization for Newline by Fifth Third, the dedicated embedded banking and payments group of Fifth Third Bank. Dan joined Fifth Third in May 2023, joining following the acquisition by Fifth Third of Rize Money Inc, where Dan served as Chief Commercial Officer then Chief Operating Officer since 2021. Prior to Rize, Dan was a Partner at Route 66 Ventures, focusing exclusively on global early stage investments in fintech for 7 years. Dan also invests and advises early-stage companies through his association with Apriori Ventures and Plural.VC.

Dan is a graduate of UNC-Chapel Hill and Georgetown University, where he received an MBA. Dan lives in Washington, DC with his wife, 3 daughters and dog.

Reid Cuming is the co-founder and COO of Superstate. Prior to Superstate, Reid served as VP and General Manager of Compound Treasury, the first DeFi company to get a credit rating from S&P, which offered institutions compliant fixed yield on their cash via the Compound protocol. He has also held roles at fintech companies Block (f.k.a. Square), Stripe, and Chime.

Beyond his professional endeavors, Reid is an angel investor and advisor to a variety of tech companies, leveraging his expertise to support innovation and growth in the industry. He is also a board member of Reid Youth Charities in Texas.

Richard Crone is CEO of Crone Consulting, LLC, specializing in re-deploying heritage payment assets to support the launch of innovative use cases and new markets for legacy financial institutions, retailers and their infrastructure providers. He has been directly involved in nearly every major transformative move in payments as a vendor, fintech strategist, board member, consultant and investor. He has direct, deep and recent experience with all the major stakeholders supporting the Federal Reserve Bank’s FedNow, The Clearing House’s Realtime Payments and other global instant payment schemes. His unique working knowledge has enabled repositioned use cases for instant payments using over-the-top, alternative clearing and settlement structures for Pay-By-Bank decoupled debit, electronic bill/invoice presentment & payment, A2A, P2P and the like. With over 20 years of proprietary longitudinal data through his firm’s Service Interaction Analysis™, Richard helps clients interpret trends across channels, products and customer touchpoints to drive innovation and strategic planning. He is a trusted advisor for partnerships, fintech integrations and M&A, frequently called upon by venture and private equity firms for due diligence on high-profile deals in payments and fintech. More at www.linkedin.com/in/richardcrone.

Erin Crawford is the Vice President and Head of Consumer Digital – Payments & Money Management at Fifth Third Bank. In her current role, Erin leads strategic initiatives that drive the bank’s digital agenda, significantly enhancing user engagement and satisfaction. Her visionary leadership in mobile modernization has positioned Fifth Third as a leader in digital banking solutions. Erin has been instrumental in integrating top fintech solutions at Fifth Third that help drive the bank’s digital evolution and deliver exceptional value to customers.

Prior to joining Fifth Third, Erin amassed extensive experience in the financial services industry, excelling in product management, digital strategy, and customer experience enhancement. Erin holds a degree in Business Administration from Ohio University. She fosters a culture of innovation and inclusivity within her teams and is passionate about mentoring emerging talent. Erin practices a “get it done” leadership style that fosters collaboration and fun while striving for fast and iterative delivery.

Outside of her professional life, Erin is a proud (and sometimes tired) mom of two toddlers. She enjoys playing tennis, mastering the art of monogramming, and puzzles… if there’s time!

Beverly Cole has spent 6 years at Walmart Inc as Senior Director, Payment Acceptance where she develops and delivers the organizations payment strategies, solutions, and programs. In this role, she leads the integration of payment capabilities with the organization’s broader strategic initiatives and requirements including technology, regulation, compliance, legal and emerging trends.

Prior to joining Walmart, Beverly spent 15+ years at global fintech, payment and technology organizations such as FISERV, Chase, and Verifone leading strategic client’s global payment acceptance initiatives. Beverly is well-versed in payments from both a merchant and acquirer perspective, she can evaluate new and emerging payment trends and translate them into organizational opportunities.

Beverly currently lives in the greater Atlanta area; she received her bachelor’s degree from Kennesaw State University. Beverly was named one of The Most Influential Women in Payments, by American Banker in both 2020 and 2022.

Jessica is VP of Strategic Partnerships for the Americas at Airwallex, a global payments and financial platform enabling businesses of all sizes to scale and operate efficiently across borders. Prior to Airwallex, Jessica led strategic growth and product partnerships at Pinterest and Spotify. She also held business and finance-focused roles at Netflix and LinkedIn, and has additional experience in technology investment banking.