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