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Steve Ledford works with payments leaders on strategic issues facing financial institutions and leads initiatives to address them, including the RTP® network. Prior to joining The Clearing House, Mr. Ledford was a partner with Novantas, a financial services consulting firm. Before that he was a leader in McKinsey’s global payments practice, and was President of Global Concepts, a consulting and research firm specializing in payments and...

Enrico leads the Modelling team for the Corporate Security department at Banco Bradesco S.A., managing the full model lifecycle for Application Fraud, Transactional Fraud and AML. His duties include Model Risk governance, reporting to senior executives and committees, and engaging with suppliers for external models and solutions. Past responsibilities include Analytics, MIS, and fraud risk evaluation/mitigation in new product launches. Further past experiences include Credit Risk...

Nick Shevelyov is a specialist in cybersecurity, information technology, data privacy, and risk management with experience in multiple industries—from an engineering to executive and board advisory level. See his LinkedIn profile for career history. A guest speaker at a variety of industry events, Nick has an undergraduate degree in economics, an executive MBA, and CISSP, CIPP, and CISM industry certifications. What is Cyber War…and Peace? When...

Michelle Brick – Senior Director, Real Time Payment Integration, Enterprise Payments at RBC. Michelle has spent her career in Financial Services creating expertise across the payments industry including digital, commercial payments and cash management; policy, project planning and delivery, operations and technology support as well as institutional sales and service. Michelle is currently leading RBC’s Real Time Payments Modernization and ecommerce innovations working...