Jon has more than 20 years of experience in various payments, card and research, and development roles. He has been responsible for major payments product launches, managed research and competitive intelligence functions, and led the development of industry-first card technology. Prior to joining TD, Jon worked at Citibank where he launched CitiPay, the first proprietary bank digital wallet in the U.S. Before Citibank, Jon was the Head of Competitive Intelligence, Consumer Products at Bank of America. In that role, he focused on branch comparison studies and ongoing competitor benchmarking. Prior to that, Jon worked in R&D developing the first customer-facing instant issuance kiosk to print out payment cards as well as health care payment systems. In 2007, one of his products won
Payment Product of the year at the Payments Symposium in Las Vegas. While at Bank of America, Jon also held leadership positions in Credit, Portfolio Quality, Marketing and Research. Jon started his career at MBNA as a Customer Service Representative (CSR) and believes speaking to 200 customers every day was the most influential learning experience of his career.
Dan Gonzalez is a vice president – national account director for the Federal Reserve’s Customer Relations and Support Office, based out of the Federal ReserveBank of Chicago.
Gonzalez’s responsibilities include collaborating and engaging with the industry to define and prioritize system improvements that advance payment speed, efficiency and security. He has overall responsibility for the Federal Reserve’s Financial Services relationships with the top 25 financial institutions in the country, as well as payment networks and service providers. Gonzalez spent the last several years working closely with key industry participants on their efforts to establish faster and more efficient payment systems. He has over 28 years’ experience in payments, sales, marketing and management in the financial services industry.
Gonzalez is a graduate of Siena College (Loudonville, NY) and the Federal Reserve’s Business Development University. He resides in Charlotte, North Carolina.
Deborah Baxley – International payments consultant, recognized expert in the industry, creator of growth strategies for new and existing markets with over 25 years’ experience consulting to banks. Through work in fifteen countries, advised issuers, acquirers, networks and processors on product direction and competitive positioning, delivering millions of dollars in new revenue or operating cost savings. As founding and Board member of the Faster Payments Council, member US Federal Reserve Faster Payments Taskforce, chair of the US Payments Forum’s Mobile and Touchless Payments Working Committee, co-founder of NYPAY and through frequent keynote speaking and writing, recognized for insights on the future of payments.