James Harwood Head of Fraud, Virgin Media & O2 Daniel Wilson Head of Payments Strategy, Industry and Roadmap, Nationwide Claire Simpson Interim Head of Policy, Payment Systems Regulator Margarida Rodrigues Head of Customer Payments, Sonae Jerry Krayzman Director, Product Manager, Billing & Payments, Survey Monkey Ben Orgill Head of Payment Services, OVO Energy Gretchen Rodriguez Head of Product - Payments, TD Bank Andrew Self Head of Department - Open Finance and Open Banking, FCA Julie Mingus Sr. Director Treasury Operations, Cinemark Phil O'Hagan Senior Head of Product (Pay, Fraud & Services), Sainsbury's Patrik Novák VP of Fintech, Kiwi.com Nick Mclaren Head of the Future of Money Division, Bank of England