Tom’s team manages payment products leveraging ACH, Wire, Check and Instant Payments for business clients of Peoples United Bank. He has had a lengthy career in the payments space at Peoples, Chemical Bank and Citibank. During his career, Tom has held roles in Service, Operations, Product Management and New Product Development, managing large and small teams. In his current and former role at Citi, he was responsible for the Commercial Bank strategy around faster ACH and Real Time Payments and he has been directly involved in all major industry changes for the past 15 years through collaboration with The Clearing House, NACHA, NEACH, The Federal Reserve Bank as well as numerous FinTech providers. He has spoken on a wide range of topics such as Risk and Fraud, Business email Compromise, Real Time Payments, Client UX, ACH Rules and Same Day ACH at TEXPO, NEAFP, NYCE, Windy City, NACHA Payments and AFP.