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