The Point 2016

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Day 1

We had a comprehensive two-day programme with 50 local and international speakers. Below was the programme on Day 1. Also see the programme on Day 2.

*Programme may be subject to change.

pdf.png  Download the two-day programme overview

Day 1 – Tuesday, 8 November 2016

7:45AM - 8.45AM

Registration

8:45AM - 9:10AM

OPENING ADDRESS

Taking payments to the next level

The importance of innovation to the local payments system infrastructure, and what we need to do as an industry to ensure payments are simple and secure for Kiwis.

Steve Wiggins, Chief Executive, Payments NZ

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

9:10AM - 9:15AM

Welcome address from our Principal Sponsor VocaLink

Paul Stoddart, Managing Director, VocaLink

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

9:15AM - 9:20AM

MC WELCOME

Nadine Chalmers-Ross, MC

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

9:20AM - 10:10AM

C-SUITE KEYNOTE PANEL

Sponsored by Buddle Findlay

Taking payments to the next level panel discussion with c-suite bank executives.

Simon Jensen, Partner at Buddle Findlay, will introduce the session. Then the panel will discuss the role and importance of a progressive payments ecosystem, disruption, fragmentation and innovation in payments. The panel will be facilitated by our conference MC, Nadine Chalmers-Ross.

Facilitator: Nadine Chalmers-Ross

Panellists:

Mark Hiddleston, Managing Director Commercial & Agri, ANZ
Karen Silk, General Manager Commercial Corporate & Institutional, Westpac
Kevin Murphy, Managing Director and CEO, TSB Bank
David Bullock, Director Products and Technology, BNZ
Karen Hou, General Manager and Executive Director, ICBC New Zealand
Rob Roughan, Country Head of Commercial Banking, HSBC

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

10:10AM - 10:40AM

Morning tea break

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

10:40AM - 11:15AM

REGULATORY KEYNOTE PRESENTATION

Taking payments to the next level – a regulatory perspective

The Deputy Governor of the Reserve Bank, Grant Spencer, will discuss how change in the payments industry is impacting the Reserve Bank’s roles of regulator and operator. The changes, driven by user expectations, technological advances and regulatory developments, offer opportunities for efficiency gains but also present new risks. The Reserve Bank as operator is looking to respond by undertaking major technology upgrades of its core payment systems. As regulator, the Reserve Bank is proposing an enhanced oversight framework for financial market infrastructures.

Grant Spencer, Deputy Governor and Head of Financial Stability, Reserve Bank of New Zealand

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

11:15AM - 11:50AM

INTERNATIONAL KEYNOTE PRESENTATION

Sponsored by TSB Bank

Taking payments to the next level – an emerging payments perspective.

Around the world there is a “push to push” as regulators (and businesses and a new generation of consumers reared on immediate gratification) demand “instant payments”. Of course, simply having a new real-time credit transfer system in place is not enough, by itself, to transform the payments landscape. The systems needs to be opened up! Look at the UK, where the “new access model” has opened up the instant payment infrastructure and the first fintech (Transferwise) has now been connected. But what does this shift mean in the longer term? It is possible to see a day where non-cash retail payments are no longer dominated by cards but by zero risk, instant, free or near-free, data-rich push payments? I think that it is, and I have labelled that day Cardmageddon! In this presentation David will explore some of the trends carrying us to cardmageddon and speculate on its implications.

David Birch, Director of Innovation, Consult Hyperion

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

11:50AM - 12:40PM

Lunch

Sponsored by ASB

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

12:40PM - 12:45PM

BREAKOUT STREAM 1

Taking the payment experience to the next level for consumers

This stream session discusses new consumer electronic payments and channel experiences from C2B and C2C payments, loyalty/rewards programmes and connected commerce through the internet of everything. It will explore the trends and resulting opportunities and challenges, and how digital disruption is bringing about changes to the consumer experience.

This stream will comprise two presentations and one panel session.

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

12:45PM - 1:15PM

BREAKOUT STREAM 1 - Speaker 1

The rise of Chinese payments innovation and why we should pay attention.

Imagine the complications for a Kiwi business working with just one of the emerging Chinese payment giants or mega banks. ANZIA Tech Startup Of The Year award Winner, Latipay, bolts on to not just one, but all three of the main Chinese payment giants WeChat, Alipay and JDPay, and 19 of the main Chinese banks in a fully compliant manner.

Latipay integrates with some of the leading and most progressive New Zealand businesses across Education, Travel and Export.

Gain an insight into why future forward Kiwi businesses have a need for direct cross border e-commerce with China, and understand the compliance, reasoning and methodology behind their requirements. Also find out why the Chinese payment giants are interested in New Zealand cross border e-commerce.

Leigh Flounders, Chief Executive Officer, LATIPAY

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

1:15PM - 1:45PM

BREAKOUT STREAM 1 - Speaker 2

How BPAY is taking the payments experience for consumers to the next level.

John Banfield will present on BPAY’s role in revolutionising the payments experience for consumers in Australia, taking it to the next level.

BPAY revolutionised the bill payments landscape in Australia by providing consumers one channel that is supported by all Australian banking platforms. This unique position and success in the market positioned BPAY to take on the challenge of implementing the Initial Convenience Service (ICS) on Australia’s New Payments Platform (NPP). John will introduce this new game-changing service, share the benefits to consumers and business and ultimately how it will change the way Australia pays.

John Banfield, Chief Executive Officer, BPAY

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

1:45PM - 2:25PM

BREAKOUT STREAM 1 - Panel

The future of the consumer experience in New Zealand

This panel will discuss how the consumer payments experience is evolving in New Zealand and overseas, and what this will ultimately mean for Kiwis. The panellists will debate how these changes are opening up opportunities and where improvements are required to take the consumer experience to the next level.

Facilitator: Melissa Jenner, Head of Design and Innovation, Grant Thornton New Zealand

Panellists: 

Stephen England-Hall, CEO, Loyalty New Zealand
Rob Bourne, Director Digital Capabilities A/NZ & Head of Proprietary Card Services NZ, American Express
Phillip Worsley, Head of Strategy Operations and Planning, Spark
Steven Holmes, Chief Operating Officer, Transaction Services Group
James Woodward, General Manager Enterprise Operations, Kiwibank

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

12:40PM - 12:45PM

BREAKOUT STREAM 2

Taking dynamic networks to the next level

This stream session will discuss the enabling of innovation through dynamic network connections from both a system and relationship perspective.

This stream will comprise two presentations and one panel session.

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

12:45PM - 1:15PM

BREAKOUT STREAM 2 - Speaker 1

Is the future APIs?

The Open Data Institute (ODI) is a driving force behind creating an open economy with open banking. David will reflect on the Open Bank Working Group activity to build an open API framework, which is underway in the UK.  With the UK regulator wanting to see the first deliverable as early as March 2017, David will talk about the challenges of needing to act quickly and how the wider industry is responding.  At the core of the framework development is customer choice and ODI is looking for an outcome that will stimulate the whole market and drive innovation. You decide whether this type of openness is liberating or a threat.

David Beardmore, Commercial Director, Open Data Institute

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

1:15PM - 1:45PM

BREAKOUT STREAM 2 - Speaker 2

W3C leading the Web to its full potential

The World Wide Web Consortium, created in 1994 by Web inventor Tim Berners-Lee, develops open standards to ensure the long-term growth of the Web. In 2015, W3C began work to make checkout easier and more secure, enabling new opportunities for customer satisfaction and fraud mitigation. This presentation will look at how the new standard works and how it may be leveraged by different stakeholders. Related W3C security efforts, and other payments initiatives being incubated by the Web community, will also be discussed.

Ian Jacobs, Head of W3C Payments Activity, W3C

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

1:45PM - 2:25PM

BREAKOUT STREAM 2 - Panel

Enabling innovation through dynamic networks

The payments ecosystem and its underlying infrastructure supports a complex and dynamic network of both local and international industry players. There are a significant number of important connections, layers and interdependencies and the more people and businesses that access the network the more valuable it becomes. Our panel will discuss how organisations are leveraging the payments network and its myriad of connections to bring new products and offerings to market, the importance of both cooperation and competition, and how they are managing to navigate in the network environment.

Facilitator: Andrew Weaver, Consultant at Legacy Consulting

Panellists:

Jessica Ellerm , Business Development Manager Banking, Tyro Payments
Uli Weinert, Technical Director, G&D
Roxanne Salton, Head of Digital Strategy and Planning, ASB
Bradley Gerdis, Managing Director and Chief Executive, Smartpay
Andrew Bates, Chief Technology Officer, Harmoney

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

2:25PM - 2:50PM

Afternoon tea break

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

2:50PM - 3:25PM

INTERNATIONAL KEYNOTE PRESENTATION

Taking global systems to the next level

Digital globalisation: Industry disruptions and opportunities for New Zealand’s payments industry

Innovation now disrupts across industries and global systems, and because all commerce requires a payment, this disruption inevitably affects the payments industry. How might we navigate these global shifts and participate in new global systems? What are the implications for the New Zealand payments industry? This session will discuss global themes in payment systems, trends in payments innovation, emerging opportunities and changing risk landscapes. The impact on New Zealand payment systems and the opportunities for New Zealand to engage further with these global systems will be explored.

Michael Moon, Head of Payments Asia Pacific, SWIFT

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

3:25PM - 3:55PM

PLENARY SPEAKER

Key challenges for new players in the digital world and integration with existing networks

Balancing risk and innovation is a theme that transcends industries. Balancing cardholder convenience with security is of paramount importance for continued payments growth. In harnessing the growing amount of data from increasingly sophisticated and connected devices, we have become more targeted in efforts to ensure optimal and secure cardholder experience. From a single card to a smart phone, or even a smart car, how we transact and how we live are merging. The quality of data has become much richer as devices have evolved. While traditional card transactions provided limited insights into consumer behavior, connected devices have added a new dimension and richness to data. This session will discuss these trends, with implications for existing payments businesses and emerging players.

Joe Cunningham, Regional Risk Officer Asia Pacific, Visa

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

3:55PM - 5:10PM

FINTECH INNOVATION SESSION

Taking fintech to the next level

Sponsored by Paymark

Mark Rushworth, CEO of Paymark, will kick off this session sharing his thoughts on the importance of fostering fintech innovation and startups. You will then see the startup finalists of our Fintech Innovation Challenge pitch their ideas to the delegation in a round of quick-fire presentations. Each finalist will have 10 minutes to convince the delegation that their startup is worthy of being the inaugural Fintech Innovation Challenge winner. The session includes a Q&A panel and a delegate poll to select the best presentation and innovation. The winner will then be announced at the Gala Dinner that evening.

Our finalists presenting are: Dexibit, Genoapay, Jude, My Bitcoin Saver and Shareclarity.

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

5:10PM - 7:00PM

COCKTAIL FUNCTION

All delegates are invited to the Cocktail Function to relax and unwind over drinks and canapes. 

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.

7:00PM - 10:00PM

GALA DINNER

The Gala Dinner promises to be the social highlight of our two-day conference. A sumptuous three-course dinner will be served, we will announce the Fintech Innovation Challenge winner and delegates will hear from our inspirational and entertaining guest speaker.

The dress code for dinner is business casual.

Steve joined the team at Payments NZ in January 2014 to continue the evolution of cohesive and sophisticated payment system improvements through collaboration, partnerships and ensuring a level playing field in a fast moving industry. Prior to joining Payments NZ, Steve served as General Manager Marketing, Sales and Customer Services with Gareth Morgan Investments. Steve has had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. From General Manager to creating and operating a number of his own businesses, Steve has more than 25 years of leadership experience in disciplines covering business management, all aspects of marketing and sales, technology development and transfer.

Paul joined the Board of VocaLink Ltd in June 2012 as Managing Director responsible for Strategy, Corporate Development, Marketing and the UK & International Product portfolios incl. Bacs, Faster Payments, Mobile and Immediate Payment Services.

Paul's previous role was at Barclays where he was responsible for M&A and Asset Disposals for Barclaycard globally, covering Credit Card Issuing, Merchant Acquiring, Retail & Motor Finance, Loyalty & Reward.

Prior to this Paul spent over 10 years at RBS where he held a number of senior roles in Group Corporate Development and Retail and latterly in Global Transactions Services where he ran Product and Marketing for WorldPay for 4 years and then led M&A and Corporate Development activities including developing major commercial relationships with Fortune 500 companies globally.

Outside of VocaLink, Paul is a Non-Executive Director of Invitation Digital, the UK's leading web and mobile vouchers and discount codes business, now majority owned by Vodafone Group.

Nadine is an in demand MC, corporate host and facilitator, particularly for conferences that require a sharp and enquiring mind. Nadine brings with her a wealth of business knowledge and experience in live broadcasting.

Well known as a business journalist, newsreader and television presenter, Nadine has previously hosted AMP Business, Breakfast and Seven Sharp on TV1, and reported and presented TV1 News. She also works for Newstalk ZB.

Before TVNZ she spent four years with Radio New Zealand as a business reporter and presenter.

The Point 2016 will be the third consecutive Payments NZ conference Nadine has been the MC for.

Mark has over 20 years’ experience in the financial services sector covering a broad range of roles and organisations in New Zealand and the United Kingdom.

Mark leads the Commercial & Agri business in New Zealand representing teams that deliver relationship management to customers with annual turnover ranging from $2-$250m. The Commercial & Agri business includes UDC Finance and Property Finance.

Recent roles at ANZ include Commercial & Agri General Manager Auckland & Northland, Head of Specialised Lending, Head of ANZ’s Debt Syndication team and he established ANZ’s Corporate Leveraged Finance team.

In his time in the United Kingdom, Mark held roles with JP Morgan/Chase, Bank of America and Mizuho Corporate Bank.

He has a Bachelor of Commerce & Management from Lincoln University, and is on the Board of UDC Finance.

Karen has more than 20 years’ experience in Institutional and Middle Markets Banking in both New Zealand and Australia.

Karen is General Manager Commercial, Corporate & Institutional for Westpac New Zealand responsible for products, customer engagement and the development and delivery of services to our Institutional, Corporate and Commercial clients in New Zealand.

Before returning to New Zealand Karen held a range of senior roles within WIB Australia, her last being Managing Director and Global Head of Debt Capital Markets. She was also inaugural Chair of the Westpac Group Property Risk Forum and prior to this led Westpac Australia’s Corporate and Institutional Property Teams.

Previously Karen has been responsible for leading Institutional and Middle Market segments at both Westpac and Credit Agricole in New Zealand.

Kevin has been the Managing Director and Chief Executive Officer of TSB Bank since 2010. He has more than 20 years’ experience at a senior executive level within TSB Bank, contributing as Finance Manager then Deputy CEO, before taking on his current role.

Kevin provides leadership, as well as strategic and operational direction to the Bank. He is a Chartered Accountant and was awarded a fellowship in 2013. He is currently Vice President of Chartered Accountants Australia and New Zealand and is a Board member for Venture Taranaki.

Kevin met his wife Carolyn during high school in New Plymouth. The pair have been married for 34 years. In their spare time, they are both avid musical theatre fans, with Kevin working behind-the-scenes, and Carolyn working as a Director / Choreographer. They have a daughter and two sons and continue to call Taranaki home.

David Bullock was appointed Director of Products and Technology in October 2014. In this role, he is responsible for a portfolio which includes BNZ’s product and customer solutions functions as well as its technology, digital, and enterprise security teams. Prior to holding this role, David was acting as the director of the bank's Retail business, which encompasses its store network, direct channels and sales centres, online, BNZ Insurances and Small Business Bank.

David joined BNZ in 2005 as a Planning Manager in Finance, and since then he has held many senior roles within the bank, including Senior Finance Partner, Divisional Chief Financial Officer for Retail, Head of Retail Innovation, and Head of Business Strategy and Operations for Retail Banking. Before joining BNZ, David was part of the New Zealand Post team during the creation of Kiwibank. He also worked abroad in organisations including Thomson Reuters and Yahoo!

He holds a degree in Computer Science from Auckland University. David has a strong focus on family, and he and his wife Leo are parents to two young daughters. He also enjoys sports, is a keen golfer and keeps fit by cycling.

Ms Hou graduated from People’s University with a Master Degree of Economics, Majoring in Currencies and Banking. She has been working for ICBC Group for over 28 years and is an experienced senior banking executive with a proven record in leadership, governance and strategy development with comprehensive international insight. She is an expert in the banking business such as Credit Operation, Guarantee Business and International Finance.

In the first 7 years working at ICBC’s Head Office, Ms Hou worked in the IT department and HR department. She then transferred to the International Banking Department and became an expert on FX trading, credit assessment and overseas institution management over 10 years.

She has over 5 years of experience working as DGM in ICBC Seoul Branch, and years of experience working as a director for many ICBC overseas institutions, for example: ICBC Europe, ICBC Standard Bank Plc, ICBC Indonesia, ICBC Brazil, ICBC Peru.

From April 2015, Ms Hou was appointed as General Manager and Executive Director of ICBC New Zealand.

Rob returned to New Zealand in August 2016, joining HSBC as Country Head of Commercial Banking. Rob is responsible for HSBC’s corporate facing teams, encompassing relationship management, trade finance, transactional banking and the bank’s associated business management function.

A graduate of University College Dublin in Ireland, Rob was Head of Global Corporates and Product at Barclays Capital in Ireland from 2005-2016, prior to which he was Head of Corporate Banking at The National Bank of New Zealand, based in Auckland.

Grant Spencer is the Deputy Governor and Head of Financial Stability with the Reserve Bank of New Zealand and chairs the OECD’s Committee on Financial Markets. Grant has held executive positions with the ANZ Banking Group and the IMF. He has also been Head of both the Economics and Financial Markets Departments within the Reserve Bank. Grant holds a BA (Hons) in Economics and Information Science from Victoria University, and an M.Sc in Econometrics and Mathematical Economics from the London School of Economics and Political Science.

David G. W. Birch Director of Innovation at Consult Hyperion, the secure electronic transactions consultancy. He is an internationally-recognised thought leader in digital identity and digital money; named one of the global top 15 favourite sources of business information (Wired magazine) and one of the top ten most influential voices in banking (Financial Brand); listed in the top ten Twitter accounts followed by innovators, along with Bill Gates and Richard Branson (PR Daily); ranked in the top three most influential people in London’s FinTech community (City A.M.), voted one of the European “Power 50” people in digital financial services (FinTech Awards) and ranked Europe’s most influential commentator on emerging payments (Total Payments).

Over the last 15 years Leigh has been involved at both a client and vendor level across the central government, banking and finance, insurance, media, utilities and charity verticals.

Prior to joining LATIPAY as CEO, Leigh was the founder and director of the first-to-market, data-centric lead generation brand “Switch – The Mortgage Improvement Project”.

Leigh’s capabilities centre around business analysis and effective go-to-market strategy, with a particular focus on data-led acquisition and business intelligence. Leigh has applied experience in data analytics, stakeholder management, credit and compliance, fraud, forensics and business strategy.

International travel and APAC relationships are a critical part of Leigh’s role and he engages in a professional capacity across multiple APAC cultures.

John Banfield is Chief Executive of the BPAY Group, Australia’s leading bill payments scheme. He is a highly experienced executive with a strong track record in leading and building payment businesses across the Asia Pacific region.

John works closely with the BPAY Board, all stakeholders, and other BPAY executives to ensure delivery of strategic objectives. He provides the vision and oversight that are an essential part of innovative product development and expansion while fostering partnerships with major financial service providers including the four major Australian banks.

John was appointed CEO in November 2014. He joined from global payment infrastructure provider Transaction Network Services (TNS) where he was the Senior Vice President and General Manager of the payments division for Asia Pacific.

Prior to joining TNS in 2009, John had a 24-year career at American Express, starting in New Zealand. His final position at American Express was Vice President/ General Manager Merchant Services, managing business across Japan, Asia Pacific and, Australia.

Stephen England-Hall is CEO of Loyalty New Zealand, the company behind the extremely successful Fly Buys programme and data analytics business LAB 360.

Stephen has extensive international experience - particularly in the UK and North America - working as a senior executive of world leading digital marketing, data and technology companies.

He is a member of the New Zealand Data Futures Forum, working with government and private sector leaders on ways New Zealand can harness the power big data and changing technology for economic and social benefit.

Loyalty New Zealand is already leading the charge towards the future of retail marketing via smartphones and mobile devices - an experience that is totally customer centric and personalised.

Stephen is a member of the Cambridge University Vice-Chancellors Advisory Board on Communication.

Rob Bourne, Head of Card Services at American Express New Zealand & Digital Product Development lead for American Express in Australia & NZ, has over 10 years experience in marketing, digital development and management roles in the financial services sector.

Rob has built and transformed business’s embracing opportunities where technology, data and new channels converge to create great experiences and new value propositions. Rob has delivered a number of innovations in the loyalty and payments sector, including leading the team who launched Apple Pay first in Australia, as well as Samsung Pay and Android Pay with American Express. While based in the UK, Rob led digital and loyalty product development deployed across 23 countries, and is a seasoned practitioner of user centered design in large organisations. 

Phil heads the operations and planning team supporting Spark’s retail sales channels with everything from Trade Marketing and systems support to L&D and commercial activities. He’s been in telco in multiple guises for the last 13 years in NZ and the Middle East, and before that retailers in the UK and management consulting. He’s passionate about the customer experience, omni-channel and the future of retail in general.

Steven Holmes is the Chief Operating Officer for Transaction Services Group (TSG), a New Zealand owned global direct debit billing service business with offices in the United States, the United Kingdom, Australia and New Zealand.

TSG specialises in the delivery of recurring payment solutions for a wide range of industries and currently initiates over 50 million transactions worth more than $2 billion annually. The group comprises Debitsuccess in New Zealand, Australia and the United States, PaySmart in Australia, and DFC and Harlands Group in the United Kingdom. It also includes recently acquired Links Modular Solutions, the leading software solutions for health clubs, leisure centres, children’s activities and sport facilities, and Ausfit.

Steve oversees operations, product development and processes across the business, and has significant expertise with innovate payment technologies and solutions. His national and international experience and expertise means he is well versed in all aspects of payments, including emerging digital platforms, industry trends, sustainability, customer experience and regulation. He is an engaging presenter with the rare ability to communicate complex areas in an interesting and informative manner, and has spoken at a number of industry events.

James plays a leadership role at Kiwibank in relation to payments. He has over 15 years of banking industry experience working in and leading sales, product development, market management, strategy, transformation and operations functions.

James has previously been a member of the Bulk Electronic Clearing System management committee and an alternate Director for Payments NZ. James is passionate about the role of Payments NZ, its role in promoting disciplined innovation, and the importance of collaboration across the industry.

James is a member of the Institute of Directors, he was educated in New Zealand, and is actively involved in his local community.

David leads ODI’s commercial, business development and marketing activities.

His 20 years in data-driven insight and marketing have seen him work with many leading brands in multiple sectors and countries. In addition to working for some of the largest players in the data world such as Experian, Callcredit and Telefonica, David also ran his own boutique data insight business, Thinkdata, for five years before its acquisition by Bertelsmann.

David’s work is characterised by passion, pragmatism and a fierce determination to deliver measurable value to clients. He also loves to challenge the status quo in order to find better ways of doing things.

Originally a classically trained musician, David has a Masters from Cambridge and an MBA in Marketing. Ever the optimist, he continues to hold a season ticket at Nottingham Forest.

Ian Jacobs has helped lead the web to its full potential at the World Wide Web Consortium (W3C) since 1997 in a variety of roles. Since early 2015 he has led W3C’s payment activities, focused on making web payments easier and more secure. Prior to that he was the Head of W3C Communications for 10 years, and edited a number of W3C’s Recommendations.

www.w3.org

Jessica Ellerm is the Partner Development Manager for Tyro Payments, Australia’s most successful fintech start-up. Today Tyro processes over $8B in transactions annually in conjunction with over 180 point-of-sale software partners.

In 2015 Tyro became the first technology company to be granted a banking licence by the Australian Prudential Regulatory Authority, allowing it to accept deposits and advance money to Australian businesses. Tyro is also behind the TyroFintechHub, Australia’s first co-working space dedicated to fintech startups.

Jessica has been with Tyro in a business development capacity since 2009 and now heads up the banking team. She works closely with the internal product and existing sales team to integrate the new deposit and lending solutions into the sales cycle, as well as develop cornerstone accounting integration relationships with cloud accounting providers. Xero is Tyro’s first banking partner, with Tyro enabling Xero’s Australian subscribers to automate their bill payments direct from within Xero’s software via the Tyro EFTPOS banking platform.

Alongside Tyro, Jessica is an active Australian and global fintech commentator, writing for her own blog and a number of global publications including Daily Fintech and BankNXT. She is the Australian correspondent for Brett King’s Breaking Banks radio show on Voice America. Jessica was a Female Fintech Leader of the year finalist in Australia’s inaugural Fintech Awards this year.

Uli Weinert is Technical Director at G&D in Melbourne, Australia. In his role Uli is responsible for G&D’s product portfolio including payment solutions, Cards and Card issuance services. Uli and his team implemented Tap&Pay Mobile Payment solutions in Australia and enabled multiple financial institutions in the eftpos digital transformation from Magstripe to Dual Interface Tap&Pay cards.

In his 20 years of experience in payment technology Uli has held several management positions at G&D Germany before joining G&D Australasia in 2014.

Uli holds a Master in Electrical Engineering from the Technical University of Munich and is a proud father of three young kids.

Roxanne has been with ASB Bank as the Head of Digital Strategy and Planning for over two years. In this role, she is leading the digital transformation of ASB’s financial services. Roxanne is actively involved in defining best imaginable customer centric experiences for ASB Bank, New Zealand's largest, and highly valued, online and mobile customer communities. She is responsible for providing ASB’s digital vision and shaping the Next Generation of digital experiences.

Prior to joining ASB Bank, Roxanne was the Head of MCommerce and Payments for Spark’s Venture Group. Prior to this role, Roxanne was responsible for a variety of new emerging and disruptive technology projects and strategic partnerships. Her career has mainly been in the digital world, in Banking, Telecommunications and Publishing Industries. A common theme through these roles has been a strong interest and involvement in new technologies, new market opportunities and disruptive innovations. Roxanne is a passionate leader who believes in making the world a better place and leaving a “living” legacy.

Smartpay is a leader in the design, development and implementation of innovative electronic payment solutions for customers across Australia and New Zealand. Smartpay provides a variety of advanced electronic payment and data management solutions for retail, business payment and transaction processing.

Prior to his role with Smartpay, Bradley was a founding senior executive of Customers Limited, an ASX listed payments systems business and Australia’s largest ATM owner. During this time, Bradley also played a leading role as a founding Director in the development of Strategic Payments Services Pty Ltd, a payments processing business in joint venture with Customers Limited, Bendigo Bank Ltd and MasterCard International.

Harmoney is New Zealand's first licensed peer-to-peer lending platform. In less than two years of operation, lenders on Harmoney's marketplace have lent over $300 million to more than 13,000 Kiwis.

Harmoney is disrupting and transforming the consumer credit market by employing a frictionless online platform to originate personal loans, which in turn are funded by lenders via the Harmoney Marketplace. For borrowers, we offer risk-based pricing and convenience. For lenders, we offer the opportunity to have access to risk based lending with attractive returns relative to term deposits and other investment products.

Andrew joined Harmoney in Dec 2014, hiring a new team and moving the Harmoney Engineering team onshore to their offices in Parnell, Auckland. Responsible for developing Harmoney's overall technology vision, Andrew ensures Harmoney systems meet the demanding needs of our customers and partners, driving platform and marketplace initiatives as well as overseeing operational support teams.

Prior to his role with Harmoney, Andrew was an Enterprise Architect with general insurer IAG NZ, defining and delivering the company’s enterprise architecture strategy and roadmap for application architecture.

Over the last 15 years, Andrew has worked across financial services, insurance and telecommunications on a wide range of IT projects in Australia, Belgium, Singapore, Thailand, United Kingdom, United States and New Zealand. Andrew has delivered solutions in various IT roles including Software Development, Enterprise Architecture, Head of Engineering and as a CTO for an independent software vendor.

Michael Moon joined SWIFT’s Singapore office in 2012 and leads the development of SWIFT’s payment business across Asia Pacific. This role partners with the payments and banking industry to deliver payment and settlement solutions in the high value and retail payments sectors, as well as global transaction banking and cash management.

During his 15 plus years’ experience in the financial services and payments industry Michael has held positions in business development, product management, strategy and marketing functions, and has experience in China, India, the US, Australia, Singapore and South East Asia.

Prior to joining SWIFT he lead group strategy and business development for American Express in their network, merchant and B2B businesses in Asia Pacific. Prior to American Express Michael worked in the Australian banking industry with Citi and Commonwealth Bank.

Michael has lived and worked in Singapore since 2007 and has an MBA from the Australian Graduate School of Management in Sydney.

Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem.

This complex and fast evolving ecosystem includes issuing and acquiring clients, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.

Joe joined Visa in 2008 with responsibility for all future-focused aspects of Visa’s technology agenda. His accountabilities included defining Visa’s long term technology strategy, chip & mobile payment standards, and Visa’s long-term technology innovation agenda.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organisation responsible for ensuring interoperability and security of chip-based products; including contact, contactless and mobile-NFC payments.

Joe holds an MBA from Melbourne Business School, and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore.