Digital Banking Conference

Keynote Speaker

Sathish Muthukrishnan was named chief information, data and digital officer for Ally Financial Inc. in December, 2019. In this role, Muthukrishnan is responsible for advancing Ally’s technical and digital capabilities, including cyber security and infrastructure, and accelerating the company’s growth and evolution as a leader in the digital financial services sector. He is based in Ally’s Charlotte corporate center and reports to Ally’s CEO.

Muthukrishnan has held a number of senior technology leadership roles with substantial scale and global reach, and previously served as the chief digital and information officer for Honeywell Aerospace, a nearly $14 billion revenue business within Honeywell International. He brings to Ally more than 20 years of technology leadership experience in complex businesses with high availability and reliability requirements on their technology, ten of which were spent in financial services with American Express prior to joining Honeywell.

Muthukrishnan graduated from University of Madras with a degree in engineering specializing in computer science. He is a member of the Advisory Board of WIT International and was recipient of the Chairman’s Award for Innovation for several years at American Express. Muthukrishnan has over 25 filed patents in the manufacturing, payments and the digital technology space.

Jody is President of Americas at Personetics, a global leader in data driven personalization and customer engagement for Financial Institutions. Personetics delivers personalized insights, advice, and automated programs to help customers improve their day to day banking and financial well being. He is responsible for achieving market leadership in North America. Previously he was a partner at McKinsey & Company, helping financial institutions execute digital transformations to drive organic growth. Prior to that, he held digital leadership roles at U.S. Bank and Citizens Bank, contributing to team awards such as #1 digital experience. Jody has an MBA from Northwestern University where he was an Austin Scholar and a B.S. from The University of Michigan.

Mark Coleman is a passionate software engineering leader focusing on the latest technologies used in all aspects of the software development lifecycle. Mark continues to learn how new processes and concepts can help deliver software faster from infrastructure as code to containerized application. Mark also likes to share his knowledge by attending local development groups, blogging about programming topics. When Mark is not absorbing everything development he enjoys photography, anything pertaining to The Simpsons, and a part time craft beer/bacon aficionado.

Penny Crosman is Interim Editor-in-Chief at Digital Insurance and Executive Editor, Technology at American Banker and Arizent. Prior to taking on these roles, she was Editor in Chief of Bank Technology News and Technology Editor of American Banker. She has held senior editorial roles at Bank Systems & Technology, Wall Street & Technology, Intelligent Enterprise, Network Magazine and Imaging Magazine.

Oscar leads the product strategy and commercialization of embedded banking and APIs for commercial clients, organizing the engineering capacity. He also oversees the user authentication and single sign on experience across business and commercial segments.

Oscar has over 20 years of experience in Digital Channels, Transaction Banking, Technology, and is a frequent speaker and contributor at American Banker conferences, AFP, Datos Insights, and other industry events.

Before Citizens, Oscar held leadership roles with multinational organizations, including Santander Bank, Marsh McLennan, and Deloitte.

Oscar is based in Boston, MA.

Law Helie serves as the General Manager Consumer Banking at nCino. His responsibilities include driving the product roadmap, understanding market direction and improving efficiency in the product organization. Prior to nCino, Law spent two decades in financial services, including roles at Cloud Lending, FIS and Bank of America. He is a graduate of Salve Regina University and holds an MBA in management.

Janet is a marketing research and strategic insights executive with extensive experience in the technology, B2B media, healthcare, financial and professional services industries. Her ability to apply a variety of research approaches to strategic business problems has resulted in the delivery of impactful, innovative research programs for a long roster for global Fortune 1000 companies. Previous to her role as VP of Research at Arizent, Janet served as the General Manager/SVP Research at IDG and the head of Market Insights for HIMSS, a nonprofit in the healthcare space. Her passion is storytelling with data, leveraging research to fuel data-driven strategic decision making and thought leadership content. She holds a B.S. degree from Alfred University, and an MBA degree from the Franklin W. Olin Graduate School of Business at Babson College.

Senior Management professional with proven success in traditional and digital financial services, security, and property management.

Strategic and Operational start-up experience with business-to-business service companies with C-level client relationships. Successful consultant & trusted resource in developing business models & key FinTech partnerships.

Demonstrated success in generating new revenue, improving market share, and building and managing employee and client programs at national and regional levels.

Experience in creating, building, launching, and successfully running the Digital Bank division of a small community bank, as part of their next phase growth strategy under a new brand and identity. Project lead with duties encompassing all project development/management, from vision and concept strategy to platform build-out, technology implementation, testing, successful launch, and overseeing daily live operation.

Developed key industry partnerships with leading edge technology/fintech providers & marketing/branding specialists to ensure that end result product provides a superior customer experience (CX). As a consultant and trusted resource my expertise in this role can benefit other FI's needing assistance with the development of their own digital bank launch.

I am actively involved in the Atlanta market with the Alpharetta Chamber as an Board Member & Ambassador, FinTech Atlanta, GBA, CBA & ICBA.

Expertise/Key Specialties: Banking/Financial services, Project Development/Management, Digital Banking, Security Consulting/Risk Intelligence, Property/Portfolio Management

- Digital bank development/strategy

- Project Management/Implementation

- Business & Marketing Strategy Development

- FinTech partner evaluation & selection

- Digital advertising/ Branding

- Product Development

- Key Client Acquisition

- New Company Development

- Community operations and property management

- Financial, project & staff management, & vendor relations.

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.

Vik Sohoni is a Senior Partner at McKinsey, which he joined in 2001. He leads our Global Digital and Analytics practice in Banking and Securities

Overview

Vik serves several leading financial institutions in the Americas and Europe on strategic and digital transformation programs involving major strategy choices and operating model changes Co-leads McKinsey’s practice on digital and analytics in banking globally, having built this up from scratch in North America since 2013 Aside of advisory, the practice comprises over 500 technical experts, architects, product owners, cloud and data engineers, and software engineers focused on high-end delivery Vik is the author of a McKinsey book called “The Digital Factory and Mission Based Model" and has published extensively on mckinsey.com and elsewhere

Select experience Leads the deployment of strategic advisory, and high-end delivery services, leveraging McKinsey acquisitions like Candid and Caserta (Could, Data) in the Banking Sector in North America. Has led our support to two major FI’s cloud migration deals in North American and one in Europe. Led the creation of the partnership with an industry leading cloud boutique leveraging McKinsey’s patented asset for cloud deployment ‘Matter Compliance’

Led the digital transformation of a top 5 bank in North America, building their digital factory which has now scaled to over 2000 people Led the product build for an AI/ML enabled capability and Financial Advisor change management and adoption for a leading wealth manager

Leads our service to a top digital brokerage, wealth and asset manager across strategic themes

Background Vik has an MBA with Honors in Finance from the Wharton School at the University of Pennsylvania He recently rotated out after 5 years as a member of the Board of World Business Chicago, Chicago’s economic development and business attraction group of CEOs and non-profit groups chaired by the Mayor; he is also a board observer on an AI investment by McKinsey

Stacy Suggs serves as Executive Vice President and Chief Operations Officer for Bank Independent headquartered in Sheffield, Alabama. Stacy’s career with the Bank spans three decades beginning in 1988 when the Bank managed $100 million in assets and 9 locations. That has grown to $2.3 billion, 34 sales offices, a digital branch, and an additional $2.5 in annual receivables through Interstate Billing Service, a wholly owned accounts receivable subsidiary. Stacy is passionate about ensuring proper alignment and support of the Bank’s strategic plan. She has broad exposure to multiple areas to include operations, credit analysis, and risk management. Her expertise helps ensure we play by the rules.

From her initial role as a bank proof operator, Stacy moved into auditing, credit analysis, regulatory compliance, information security, and into her previous role as Senior Vice President of Risk Management, which she held from 2006 to 2017. Stacy earned her Bachelor of Science in Accounting and Finance from the University of North Alabama and holds professional CFSA and CRMA certifications in Audit and Risk Management. She serves as President of the board to Safe Place, Inc., the only comprehensive domestic violence program offered in North Alabama.

Stacy is a life-long resident of the Shoals area. She and her husband Stuart, an entrepreneur and small business owner, reside in Tuscumbia where they are active members in their church and volunteers in the community. They are the proud parents of two adult children, son Spenser and daughter Sydney, both of whom have earned degrees at UNA while working at Bank Independent.

Daniel Wheeler is a 25+ year financial services regulatory lawyer and innovator. Dan functions as an R&D lab for his financial services clients, helping them invent businesses and products through innovative regulatory strategy. This includes helping clients decide on a regulatory identity that best suits their cost and operational constraints. Mr. Wheeler helps clients solve significant regulatory challenges. Sometimes this involves intervention and advocacy with the Federal Reserve, FDIC, OCC, NCUA, CFPB, FinCEN and state financial regulators, as well as negotiation of enforcement actions.

Dan has served as the general counsel of a cryptocurrency lender company where he developed innovative products and services. He successfully chartered a de novo bank and served as CEO. He is launching two secured credit card programs and has an innovative public/private partnership in development to solve the longstanding problem of cannabis businesses not being able to freely access banking services.

Wolverton began her banking career with Synovus in 2003 as Director of Accounting and Financial Analysis. She was promoted to Synovus’ Senior Director of Banking in 2011 and was named Chief Strategy Officer in 2014. In 2018, Wolverton assumed the role of Executive Vice President and her duties were expanded to encompass customer experience oversight, including advancing digital transformation and analytics strategies. In December 2021, she was named Head of Consumer Banking and Brand Experience, assuming responsibility for the branch network, consumer banking products and services, and mass affluent strategy and execution.

Before joining Synovus, Wolverton served as a Finance Director for Centerplate Management in Greenville, South Carolina. She started her career in the assurance and advisory business services division of Ernst & Young in Greenville and Atlanta.

Wolverton has been named one of American Banker’s 25 Women to Watch since 2015. This annual ranking recognizes women for their impact on their company, industry, and community-at-large, as well as for leadership and innovation in the face of industry challenges.

Chris advises banks, financial technology companies, and financial service companies on a variety of regulatory compliance and enforcement matters, including matters involving fair lending, fair servicing, unfair, deceptive, or abusive acts or practices (UDAAP), Community Reinvestment Act compliance, money transmission and payments, alternative credit, state law and deposit issues.

He also advises both banks and financial technology companies on the use of new technologies and digital channels, the development of novel financial products, establishing technology-based partnerships, and resolving disputes with partners and third-party service providers. Prior to joining Mitchell Sandler, Chris was an associate at Buckley Sandler focused on the financial services industry, and had a decade-long career in retail banking and lending before entering the law.

Demo Presenters

Jessica Coleman serves as the Senior Vice President of Digital Banking at Nymbus, where she applies her deep passion for product strategy, team building, and user value enhancement to the fintech space. With over 15 years of experience across banking and fintech, Jessica has developed a keen eye for creating stellar digital experiences and fostering environments where product teams excel. Her leadership is characterized by a commitment to human-centered design and Agile methodologies, ensuring rapid innovation and effective collaboration. Jessica's journey began in the credit union sector, evolving from web development to spearheading digital transformations. At Nymbus, she plays a crucial role in refining digital banking platforms and introducing features that significantly improve user experiences. Outside of work, Jessica dedicates herself to supporting women, particularly in overcoming challenges faced by new mothers and those diagnosed with breast cancer. This commitment deeply influences her empathetic and inclusive approach to leadership.

Demo Presenters

Larry McClanahan, Nymbus' Chief Product Officer, stands at the forefront of digital banking innovation. With a track record of developing visionary digital initiatives, he has established and led cultures capable of executing complex projects. His deep understanding of financial institutions' digital journeys is rooted in over a decade of leadership roles at early digital adopters such as MidFirst Bank and Fifth Third Bank. McClanahan's expertise enriches Nymbus' leadership with a customer-centric perspective, leveraging his extensive experience to drive forward-thinking product development.