The Future of Payments

7 BANKING PERSPECTIVES QUARTER 4 2018 Harvard in economics, and B.S. degrees in economics and mathematics at MIT. Samuel Hanson Samuel Hanson is a Marvin Bower Associate Professor in the Finance Unit at Harvard Business School and a Faculty Research Fellow at the National Bureau of Economic Research. He holds a Ph.D. in business economics from Harvard University and a B.A. in quantitative economics and philosophy from Tufts University. Before beginning his doctoral studies, he worked at Lehman Brothers and the Federal Reserve Bank of New York. In 2009, Hanson worked at the U.S. Treasury Department as a Special Assistant and Liaison to the White House National Economic Council. Stephanie Heller Stephanie Heller is EVP and General Counsel of The Clearing House. Prior to joining TCH, Heller was an SVP and Deputy General Counsel in the Legal Group of the Federal Reserve Bank of New York. During her tenure at the New York Fed, which spanned nearly 27 years, she provided legal support to the operations areas of the bank, including funds and securities transfer services, cash and currency distribution, and fiscal agency services, as well as providing legal support to the bank on technology and procurement matters. She is a member of the American Bar Association’s Business Law Section. Heller chaired the Business Law Section’s Uniform Commercial Code Committee from August 2003 to August 2006 and then served on the Section Council until 2010. Heller earned her law degree from New York University in 1991 after earning a B.S. in mathematics from Stanford University. Oliver Ireland Oliver Ireland is Senior Counsel at Morrison & Foerster. His practice focuses on retail financial services and bank regulatory issues, including consumer protection and Consumer Financial Protection Bureau powers, as well as all types of payment transactions. Ireland’s practice also includes regulatory issues applicable to bank and thrift holding companies and to national and state chartered banks, federal and state chartered thrifts, and federal and state chartered credit unions, as well as other financial regulatory issues, including margin lending. Andrew W. Kirk Andrew W. Kirk is EVP and CFO of Trion Solutions, an HR outsourcing company. He previously served as President of Michigan- based Belle Tire Distributors and CFO for Platinum Equity’s Active Aero Group. He also was a Director, Corporate Advisory Group, for turnaround firm BBK International and was Founder and President of Michigan CAT Financial Services. Kirk earned a bachelor’s degree in economics from the University of Michigan, and has an MBA from Wayne State University. Sue McBride Sue McBride is an SVP and Product Line Manager at BB&T for Treasury Services. In her current role, McBride is responsible for the strategic direction, development, and marketing of BB&T’s suite of payables and receivables solutions, including the development of new faster payment solutions such as real-time payments. Prior to joining BB&T in 2008, McBride led the Treasury Services product management team at Wachovia Bank. McBride has over 21 years of experience in Treasury Services product management and development; she is a Certified Treasury Professional (CTP) and a member of the Association for Financial Professionals (AFP). Gavin Michael Gavin Michael is the Head of Technology for Citi’s Global Consumer Bank. He is responsible for the long-term strategic direction, planning, and management of Citi’s Global Consumer Technology organization; execution of its cloud architecture, data, and services strategies; and driving digitization efforts to accelerate speed to market. Before joining Citi, he was Head of Digital for Consumer & Community Banking at Chase and Chief Technology Innovation Officer at Accenture. Gavin earned a Ph.D. in computer science from Australian National University and a bachelor’s degree from the University of Western Australia.