FinovateFall Sneak Peek: UBDI

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

UBDI (short for Universal Basic Data Income) is reinventing financial and market research by empowering individuals to monetize aggregated, anonymized insights from their data.


  • Provides aggregated, anonymized historical and real-time data points combined with qualitative data from paid users
  • Reaches the perfect audience with PrivateMatch Technology
  • Represents the gold standard of GDPR/CCPA compliance

Why it’s great
Data and privacy can work together for richer insights when you empower the individual with their own data.


Dana Budzyn, CEO and Co-Founder
Budzyn is an engineer and published researcher with NASA for her work in Optics and Photonics technology. Watch her TEDx “Owning Your Digital Self: Monetizing Your Personal Data.”

Shane Green, Executive Chair and Co-Founder
In addition to being Founder/Chair of UBDI, Green is also the U.S. CEO of personal data platform (following the merger with Personal in 2017 where he was founder/CEO). Green also founded The Map Network, which was acquired by Nokia/NAVTEQ.

FinovateFall Sneak Peek: myGini

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

myGini is a customizable, AI-powered, plug-and-play card loyalty and customer engagement solution for financial institutions and retailers to drive incremental volume and sales.


  • Digital and customizable customer engagement with each card transaction
  • Ability to create unique and segmented promotions
  • Point redemption and cash back in real time

Why it’s great
myGini is a financial app that brings tangible benefits and interacts with the consumer at the right time.


Mehmet Sezgin, Founder and CEO
Sezgin is former Global Head of Payments at BBVA and former CEO and founder of Garanti Payments. He has served as a board member for MasterCard Europe for 14 years.

FinovateFall Sneak Peek: CheckAlt

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

LoanPay from CheckAlt enables financial institutions to accept check, eCheck, and card payments for various loans such as consumer loans, auto loans, mortgages, HELOCs, and credit cards.


  • Financial institution core agnostic
  • Fully mobile responsive for consumers
  • Provides omnichannel experience for consumers and back office

Why it’s great
LoanPay enables financial institutions to accept payments across all channels including in-person, through a call center, and online, for all loan types.


Bobby Rahmanian, Chief Product and Innovation Officer
Rahmanian brings more than 23 years of experience in product, payments, business operations, and technology to CheckAlt. He is spearheading the transformation of LoanPay.

Stacey Bryant, Senior Executive, Credit Unions
Bryant brings 15-plus years of operational oversight and business development expertise in the credit union industry to CheckAlt.

FinovateFall Sneak Peek: Buckzy Payments

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

Buckzy is an enabler of banks and financial institutions. The company is fundamentally transforming the way people move money around the world with its real-time cross-border payments ecosystem.


  • Real-time cross-border payments ecosystem
  • Availability 365 days a year
  • 24/7 access even inside of traditional banking hours and holidays

Why it’s great
Cross-border P2P payments, bill payments, global trade payments, and international student payments can now be settled in real-time with 365 days, 24×7 accessibility to funds.


Lindsay Mulligan, Global Chief Marketing Officer
Mulligan is a global marketer, innovator, and digital martech strategist with over 12 years of experience in marketing multinational brands on a global scale for both B2B and B2C initiatives.

FinovateFall Sneak Peek: MX

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

MX is the leading data platform for banks, credit unions, and fintechs, empowering customers to easily collect, enhance, analyze, present, and act on financial data.


MX Enabled is a centralized data platform that rapidly integrates amazing fintech companies to thousands of banks and credit unions creating faster time to market and reduced costs.

Why it’s great
MX Enabled connects fintechs and financial institutions to a world of innovation through enhanced data.


Brandon DeWitt, CTO and Co-Founder
DeWitt is the co-Founder and CTO of MX. Prior to MX, he co-founded MyJibe, a personal financial management company, acquired by MX in 2012. DeWitt formerly worked at Baker Hill and Experian.

Cosme Salazar, Product General Manager
Salazar is a Product General Manager over APIs and the MX Enabled platform. He has worked in product management for over ten years including time at Instructure and Amazon.

FinovateFall Sneak Peek: Zogo Finance

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

Zogo Finance offers a white-labeled, financial education app that rewards cash incentives to users for learning.


  • Bite-sized modules
  • Embedded rewards system
  • Lead generation

Why it’s great
Get paid to learn financial literacy.


Bolun Li, CEO
Li is a 20 years old serial entrepreneur and was awarded 30 under 30 in 2018 for his previous startup.

FinovateFall Sneak Peek: Ninth Wave

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

Ninth Wave is the go-to partner for universal financial data integration, delivering a secure, seamless, and standardized information supply chain.


  • Enable connectivity between banks and third parties
  • Quickly provision secure connectivity to business and consumer apps
  • Highlight new ways for banks to improve customer experiences

Why it’s great
Ninth Wave is excited to show FinovateFall attendees how easily it can enable financial institutions to provide a world-class app experience to SMBs and consumers.


George Anderson, Founder
Under Anderson’s leadership companies have garnered honors such as Deloitte and Touche Fast 50, FinTech 100, and Software 500.

Camellia George, Product Manager, UX/Privacy
Before joining the front lines of financial data access and control, George led teams at Venmo, and WaPo.

FinovateFall Sneak Peek: Mylife

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

Mylife is the leading provider of consumer reputation data including the new consumer reputation score.


  • Assesses publicly available data to score consumer character
  • Enables consumers to take action to improve their score
  • Establishes trust in others based on their score

Why it’s great
The consumer reputation score is new and being rolled out widely to enable trust and safety in online interactions between consumers


Mark Kapczynski, SVP, Partnerships
Kapczynski is the former VP of strategy at Experian and head of strategy for Yodlee’s data and analytics business.

Tim Peters, VP, Partnerships
Peters is the former head of digital acquisition at Experian for along with several additional fintech companies.

Synthetic Data Can Conquer FinServ’s Fear of Data Security and Privacy

This is a sponsored blog post by Randy Koch, CEO of ARM Insight, a financial data technology company based in Portland, Oregon. Here, he explores what synthetic data is, and why financial institutions should start taking note.

You’ve heard it before – data is invaluable. The more data your company possesses the more innovation and insights you can bring to your customers, partners and solutions. But financial services organizations, which handle extremely sensitive card data and personally identifiable information (PII), face a difficult data management challenge. These organizations have to navigate how to use their data as an asset to increase efficiencies or reduce operational costs, all while maintaining privacy and security protocols necessary to comply with stringent industry regulations like the Payment Card Industry Data Security Standard (PCI DSS) and the General Data Protection Regulation (GDPR).

It’s a tall order.

We’ve found that by accurately finding and converting sensitive data into a revolutionary new category – synthetic data – financial services organizations can finally use sensitive data to maximize business and cutting-edge technologies, like artificial intelligence and machine learning solutions, without having to worry about compliance, security and privacy.

But first, let’s examine the traditional types of data categorizations and dissect why financial services organizations shouldn’t rely on them to make data safe and usable.

Raw and Anonymous Data – High Security and Privacy Risk

The two most traditional types of data categorization types – raw and anonymous – come with pros and cons. With raw data, all the personally identifiable information (PII) fields for both the consumer (name, social security number, email, phone, etc.) and the associated transaction remain tagged to data. Raw data carries a considerable risk – and institutional regulations and customer terms and conditions mandate strict privacy standards for raw data management. If a hacker or an insider threat were to exfiltrate this type of data, the compliance violations and breach headlines would be dire. To use raw data widely across your organization borders on negligence – regardless of the security solutions you have in place.

And with anonymous data, PII is removed, but the real transaction data remains unchanged. It’s lower risk than raw data and used more often for both external and internal data activities. However, if a data breach occurs, it is very possible to reverse engineer anonymous data to reveal PII. The security, compliance and privacy risks still exist.

Enter A New Data Paradigm – Synthetic Data

Synthetic data is fundamentally new to the financial services industry. Synthetic data is the breakthrough data type that addresses privacy, compliance, reputational, and breach headline risks head-on. Synthetic data mimics real data while removing the identifiable characteristics of the customer, banking institution, and transaction. When properly synthesized, it cannot be reverse engineered, yet it retains all the statistical value of the original data set. Minor and random field changes made to the original data set completely protect the consumer identity and transaction.

With synthetic data, financial institutions can freely use sensitive data to bolster product or service development with virtually zero risks. Organizations that use synthetic data can truly dig down in analytics, including spending for small business users, customer segmentation for marketing, fraud detection trends, or customer loan likelihood, to name just a few applications. Additonally, synthetic data can safely rev up machine learning and artificial intelligence engines with an influx of valuable data to innovate new products, reduce operational costs and produce new business insights.

Most importantly, synthetic data helps fortify internal security in the age of the data breach. Usually, the single largest data security risks for financial institutions is employee misuse or abuse of raw or anonymous data. Organizations can render misuse or abuse moot by using synthetic data.

An Untapped Opportunity

Compared to other industries, financial institutions haven’t jumped on the business opportunities that synthetic data enables. Healthcare technology companies use synthetic data modeled on actual cancer patient data to facilitate more accurate, comprehensive research. In scientific applications, volcanologists use synthetic data to reduce false positives for eruption predictions from 60 percent to 20 percent. And in technology, synthetic data is used for innovations such as removing blur in photos depicting motion and building more robust algorithms to streamline the training of self-driving automobiles.

Financial institutions should take cues from other major industries and consider leveraging synthetic data. This new data categorization type can help organizations effortlessly adhere to the highest security, privacy and compliance standards when transmitting, tracking and storing sensitive data. Industry revolutionaries have already started to recognize how invaluable synthetic data is to their business success, and we’re looking forward to seeing how this new data paradigm changes the financial services industry for the better.

What is the California Consumer Privacy Act and How Should You Prepare?

Akshatha Kamath, Content Marketing at MoEngage, breaks down new privacy legislation which could impact financial institutions across the states.

Stronger privacy protection and greater data transparency online are growing global trends. The Cambridge Analytica scandal, in which the Facebook data of at least 87 million people were misappropriated, and other instances like this have brought attention to how businesses collect, use, and sell consumer data. Concern over the use and misuse of this data is widespread. 

In many global jurisdictions, the response has been privacy legislation which forces businesses to comply with sometimes onerous regulations regarding consumer data and privacy. One of these pieces of legislation is the California Consumer Privacy Act. In its second section it lays out how pervasive privacy concerns have become and how “it is almost impossible to apply for a job, raise a child, drive a car, or make an appointment without sharing personal information.”

All of this data can be great for marketers, but businesses need to comply with privacy laws in order to avoid fines and stay up to date with consumer demand for privacy and data transparency online.

The California Consumer Privacy Act (AB-375)

The California Consumer Privacy Act of 2018 (CCPA) is by far the strongest privacy legislation enacted in the United States at this time. Businesses must be in compliance by January 1, 2020 (the starting date on which the state can bring enforcement actions involving noncompliance).

For marketers there are three major things to be aware of. First is that wherever personal information is collected businesses must disclose what information they collect and how they will use it. Secondly, businesses have to provide consumers with the ability to “opt out” of having their information sold to third parties. Thirdly, businesses must allow consumers to view and delete the information that has been collected about them.

Is My Company Affected by the CCPA?

If your business (or for-profit entity) is located in California and meets any of the following criteria, it has privacy requirements that need to be met under the law. The criteria are:

  • Your business’ annual revenue is over $25 million
  • Your business receives information of over 50,000 consumers, households, or devices annually
  • At least half of your business’ annual revenue comes from selling personal information

The law doesn’t differentiate between brick-and-mortar and online companies. This means that even a company with no physical presence or employees in California could still do business there and therefore has obligations under the law. So your business doesn’t even need to be located in California for the California Consumer Privacy Act to apply to you. Like the GDPR, CCPA will affect businesses outside the law’s jurisdiction.

Consumer’s Rights Under the CCPA

Consumers have new rights under the CCPA that companies need to be aware of. These rights fall into three broad categories:

  1. The Right to Knowledge – Under the CCPA, businesses must allow consumers to obtain, twice per annum at zero cost, all the information that the business has about them, how that information was collected, and who else has been given said information.
  2. The Right to be Forgotten – The CCPA stipulates that consumers must be able to request the deletion of all of their personal information from a company. If the information has been shared with third parties then those parties must also delete said information.
  3. The Right to Control who has Access to their Information -Businesses must allow consumers to be able to opt out of the resale of their information. Consumers under the age of 16 must affirmatively opt in to allow the resale of their data. Consumers under the age of 13 must have written permission from a parent or guardian in order to allow the resale of their data.

What Marketers Need to Do

First of all, marketers need to review their current procedures and understand their policies and procedures regarding the collection, storage and use of subscribers’ data and mailing preferences. They need to know how a user’s preferences about their data can be stored and how documentation would be provided if a user requests it.

Second of all, marketers need to think in the long term about how they set up their systems. For example, even though GDPR only applies to EU visitors, many companies have opted to implement the same higher standards across their entire platform in order to proactively prepare for similar legislations. In the same vein, marketers who prepare for the CCPA will have a leg up if privacy bills that are making their way through the legislature pass in New York, Mississippi, and Massachusetts.

Penalties for Non-Compliance of the CCPA

If, because of a business’ negligence, a consumer’s information is improperly disclosed, the CCPA makes it easier for consumers to sue (even if there is no evidence that the data breach caused the consumer harm!).

What could be very costly for businesses is the potential for class-action lawsuits due to a data breach. Companies could be on the hook for between $100 and $750 per incident (or even more if the actual damages exceed $750).


The California Consumer Privacy Act will go into effect on January 1, 2020. Marketers should prepare in advance to make changes to comply with the regulations. At the same time, CCPA presents marketers with an opportunity to strengthen the relationship between consumers and your business. Educate consumers on the data you are collecting and how you make use of it. Be sure to tell them their rights under the CCPA and how you are compliant. This can build trust with consumers and help you use the CCPA to your advantage.

Finicity Launches Verification of Income and Employment Solution

Real-time financial data access and insights company Finicity has unveiled its latest solution to accelerate the lending process and further the trend toward digitization in the mortgage industry. This week, the company launched its Verification of Income and Employment (VOIE) solution, which leverages bank data and a scan, photo, or PDF of the borrower’s pay statement to make borrower verifications both faster and more accurate. In its statement Finicity noted that VOIE is expected to successfully provide coverage of more than 70%. This compares favorably to the accuracy rates of existing automated solutions, which top out near 25%.

Calling Finicity’s VOIE “the new gold standard of income and employment verification,” company CEO Steve Smith suggested the technology would be a significant new resource for lenders. “We know it will be met with fast adoption by key industry players who aim to be on the cutting edge of lending technology,” he said, adding “(with) VOIE building upon our current Verification of Assets solution, lenders will now be able to use Finicity as a one-stop-shop for digital verification.”

Appreciation for Finicity’s VOIE solution has already been heard from the likes of major mortgage industry players such as Freddie Mac, Quicken Loans, and Experian – all of which have leveraged Finicity’s technology to automate the manual processes that have historically made the loan origination experience cumbersome for all parties involved.

Freddie Mac, for example, highlighted the contribution Finicity’s VOIE would bring to its own asset and income modeler (AIM). “(Our) partnership with Finicity has helped to create a waterfall-like approach by adding paystub data to our AIM capability using accurate and verifiable data that meet our underwriting standards,” Senior Director of Technology Integration at Freddie Mac Kevin Kaufman said. “This means more opportunities for representation and warranty relief and greater costs savings for lenders all while delivering a better lending experience to borrowers.”

Quicken Loans EVP of Client Experience Heather Lovier echoed Kaufman’s praise for the technology, referring to VOIE as “a critical next step in the evolution of the mortgage process.”

The news of Finicity’s Verification of Income and Employment solution comes one month after the company introduced its Student Loan Account Verification solution. This technology enables employer repayment programs to access Finicity’s ACH endpoint to confirm the accuracy of accounts and routing numbers when making loan payments on behalf of their employees. Fellow Finovate alum Vault is among the companies to have partnered with Finicity in order to put the technology to work on behalf of employer-based student loan contribution programs.

Founded in 1999 and headquartered in Salt Lake City, Utah, Finicity demonstrated its credit decisioning solutions – including its Verification of Income (VoI) and Verification of Assets (VoA) technology – at FinovateFall 2017. The company has raised nearly $80 million in funding, and includes Experian Ventures and Bridge Bank among its investors.

Earlier this year, Finicity inked a major partnership with Ellie Mae, integrating its Verification of Assets solution into Ellie Mae’s Encompass Digital Lending Platform. This makes Finicity’s technology available to the more than 230,000 users and thousands of providers who, as part of Ellie Mae’s partner network, process “approximately one-third” of all the residential loans originated in the U.S.

FinovateFall Sneak Peek: Wallit

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

Wallit is a rewards-based savings app that helps teens save and spend money with an easy way to earn cash rewards from brands and retailers.


  • Transforms how brands, retailers, and consumers engage through mobile technology
  • Provides a consumer engagement platform for banks and credit unions
  • Enables consumers to earn cash rewards for goal-based savings

Why it’s great
Wallit is a rewards-based saving app that empowers teens to manage money better with an easy way to earn cash rewards on everyday saving and spending.


Mike Vien, CEO and Co-Founder
Vien has more than 25 years of experience as an internet executive and entrepreneur in the financial services industry.

FinovateFall Sneak Peek: Qwil Messenger

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

Qwil Messenger’s single chat app enables participants in any location to engage in branded, professional conversations with their companies, whilst meeting the most stringent security and regulatory requirements.


  • Highly secure conversations and file transfers with full audit record
  • Deployable in minutes in any data center globally
  • APIs for integration and automation and connectors to enterprise systems

Why it’s great
Qwil Messenger’s single chat platform replaces email for external communications on mobile and web, and works the way you want it to: as an integrated solution


Laurent Guyot, CFO
Guyot brings extensive experience in financial strategy, marketing, and capital raising, as well as a significant network of financial services contacts globally.

Peter Reading, CEO
Reading has almost 20 years of experience designing and delivering technology-led change in the financial services sector.

FinovateFall Sneak Peek: Symbiotic

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

Symbiotic is presenting a disruption that will change the payments industry; a mechanism that enables a simple cellphone to accept contactless card payments with no additional devices required.


  • Now anyone with a cell phone can accept contactless card payments
  • No additional devices required, just a cellphone
  • This solution can be integrated with apps that already exist very easily

Why it’s great
Symbiotic represents a new paradigm where anyone can accept card payments with just a cellphone, no additional devices required. The possibilities are enormous and create a new era of applications in the payments industry


Javier Chacon, Founder and CEO
Chacon has been a banker for 26 years working in the finance industry. He is an expert in digital transformation, payment methods, and innovation, as well as an industry opinion leader in the field.

FinovateFall Sneak Peek: MoEngage

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

MoEngage is an Intelligent Customer Engagement Platform trusted by enterprises to personalize every customer interaction and drive better engagement, retention, loyalty and lifetime value.


  • Bring together a unified view of your customers
  • Map out cross channel consumer journeys
  • Deliver personalized communication on the right channel and at the right time

Why it’s great
MoEngage has been rated by clients among the highest in overall experience in Gartner’s Magic Quadrant 2019.


Ehren Maedge, VP North America
Maedge heads MoEngage’s business in North America. He is directly responsible for sales and customer relationships in the region.

Sagar Gore, Sr. Director – Solutions Consulting
Gore is a seasoned MarTech professional with a rich experience of solutions consulting spanning around 15 years.

FinovateFall Sneak Peek: Salary Fits

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

Get a glimpse of the future of financial wellbeing at the workplace with SalaryFits. The company will demo its easy and inclusive access to credit, as well as preview its newest feature, SalaryPay.


  • Provides a cardless salary advance alternative for the unbanked
  • Enables paying for products and services with a QR code
  • Processes transactions seamlessly via salary deduction

Why it’s great
SalaryFits empowers people financially through their employment relationship. The solution improves their financial wellbeing while increasing margins for financial institutions.


Delber Lage, CEO
Lage has advised finance and tech companies around the world to capture global opportunities. As CEO of SalaryFits, he is leading the company’s international expansion, ensuring sustainable growth.

FinovateFall Sneak Peek: Wise

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

Wise offers banking and payments services for the small business ecosystem.


  • Unified small business banking + payments experience
  • High Interest Checking (2% APY)
  • Instant funding on receiving payments
  • Push to debit payments
  • Business debit, credit, and virtual cards

Why it’s great
Get paid instantly and put money in the bank. No more waiting for transactions to clear.


Arjun Thyagarajan, Co-Founder and CEO
Thyagarajan is the co-founder and CEO at Wise, bringing product and technology leadership with over 15 years of experience in building and launching successful consumer and SMB products.

Suresh Venkatraman, Co-Founder and CTO
Venkatraman is the co-founder and CTO at Wise. He is a full stack technologist and product architect bringing over 20 years of experience building software products with over 9 years at Microsoft.

FinovateFall Sneak Peek: IncomeConductor

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

With IncomeConductor, financial advisors can create, track, and manage comprehensive income plans for clients seeking exceptional retirement experiences.


  • 30+ year written income plans give clients confidence to retire
  • Daily analytics with automated de-risking alerts to protect income
  • Investor behavior management, increasing AUM capture and retention

Why it’s great
IncomeConductor gives advisors a compliant, repeatable process for serving the largest retirement cohort in history, helping them grow and ultimately transition their practice at a high valuation.


Sheryl O’Connor, CEO
Connor has 25+ years of leadership experience in fintech. She co-founded and grew RIA to $900M AUM. She is an expert in strategic planning and executive management. LinkedIn

Tom O’Connor, CMO
O’Connor has 10+ years of experience in financial services, technology, and digital marketing. He is head of technology for a $900M AUM RIA, and an expert in digital marketing, investment data analysis. LinkedIn

FinovateFall Sneak Peek: PayFi

A look at the companies demoing live at FinovateFall on September 23 through 25, 2019 in New York City. Register today and save your spot.

PayFi is a marketplace that allows businesses and community banks to partner through an interoperable, risk-based back-office platform for community bankers.


  • Instant bank bill payment
  • Liquidity
  • Cash controls

Why it’s great
PayFi is a real-time payments platform for community banks and businesses.


Travis Dulaney, CEO
Dulaney has 25+ years of experience in financial services, payments tech, processing, international and domestic banking, and regulatory agencies such as the FDIC, the Federal Reserve, OCFI, and CFPB.

Peter Gordon, CRO
Gordon has 25+ years of experience in financial services and payments, with leadership roles at Mastercard, Santander, FIS, and RBS Citizens.

Fueling the Fire: How Venture Capital Empowers Fintech Today

A September survey of European venture capital firms published by the European Investment Fund suggests that many of the same themes – such as artificial intelligence and machine learning – that have animated venture capitalists in recent years continue to dominate investment preferences. The queried firms also said that exit environment and fundraising “remain the biggest challenges for (the) VC business” – although “high investee company valuations” and “competition from other investors” were becoming concerns.

How does this square with venture capitalists on the American side of the Atlantic? According to Datatrek, the value of fintech deals in the first half of this year was up year-over-year by 60% in the U.S., even as the number of transactions remained constant. For these analysts, this is a sign of maturation in the U.S. market, writing “as we get further into the economic expansion, VCs may be more comfortable contributing capital towards established fintech companies rather than riskier, newer startups.”

Next week at FinovateFall, we’ll have the opportunity to put all of this analysis to the test. One of the afternoon highlights of our Discussion Day on Wednesday, September 25th, our FinovateFall Venture Capital Panel, will provide attendees with the latest insights from venture capitalists who are investigating new opportunities in fintech every day.

What are investors looking for, and what impact is venture capital having on the fintech industry? What does the future look like, and what does that mean as we embark on an unprecedented period of change in our industry? Join us next week as our panel of experts addresses these questions and helps us understand where and why the smart money in the market is headed.

Chairing our VC Panel is Reza Chowdhury, founder and CEO of AlleyWatch

Recognized as a global thought leader in the startup ecosystem, Chowdhury offers more than 15 years experience in emerging technology, which he brings to AlleyWatch as CEO and Founder. Through the course of his career, Chowdhury has had the privilege of working to drive businesses from conception to eventual exit. His latest professional endeavors have allowed him to work very closely with thriving global technology and startup ecosystems.

Now meet the members of our VC panel

Jennifer Lee, Vice President, Edison Partners –  Lee is a Vice President at Edison Partners focusing on the firm’s fintech investments, most recently including MoneyLion, Bento for Business and Giant Oak. Prior to joining Edison, she was a financial analyst at Commerzbank evaluating select European equities and long/short investments for hedge fund clients. Before Commerzbank, she was an associate at the Associated Press overseeing VC investment prospects and strategic business development opportunities.

Luis Valdich, Managing Director and Venture Investing Lead, Citi Ventures – Valdich joined Citi Ventures in 2015 as a Managing Director and Venture Invest Lead in its NYC office. He is responsible for fintech investing in both the U.S. and Europe. Valdich embraces Citi Ventures’ “best of both worlds” corporate venturing model of combining value-added strategic investing with venture capital best practices by investing in high-potential startups and driving engagement with Citi executives and clients. His investments include Clarity Money (acquired by Goldman Sachs), HighRadius, PPRO, ScaleFactor, Contguard, and SmartAsset.

Mori Oshima, Senior Manager, NTT Finance – Oshima has been a venture capitalist for 16 years. His strategy is to discuss with prominent VCs in the U.S. by leveraging NTT’s market presence in Japan. His successful exits include DocuSign and Quantenna Communications. Currently, Oshima is focusing on fintech startups in the U.S. that are interested in the Japanese market. He has an MBA from the University of California, Berkeley (Haas School of Business) and is a CFA Charter holder.

Maria Gotsch, President and CEO, Partnership Fund for New York City – Gotsch is President and Chief Executive Officer of the Partnership Fund for New York City, which is the investment arm of the Partnership for New York City. The Fund, which has invested over $150 million, has built a network of top experts from the investment and corporate communities who help identify and support New York City’s most promising entrepreneurs in both the for-profit and non-for profit sectors.

Matt Beecher, CEO, Vault and VC Innovator – Beecher is CEO of Vault, a leading student loan benefits platform, equipping employers to make it achievable for employees to more quickly eliminate student loans and attain financial freedom. He is also the co-founder of Redstar Ventures, where he was President and Managing Director from 2010 to 2016. Redstar is a company that creates companies, taking them from the earliest stages of ideation and growing them through their first institutional funding rounds and beyond.