Carolyn Breeze

Carolyn Breeze (GAICD) is one of Australia's leading voices in payments, fintech and commercial growth, with more than 25 years' experience helping some of the world's most recognised technology companies transform the way businesses and consumers move money. Currently CEO of Scalare Partners (ASX), Carolyn leads one of Australia's largest startup and innovation ecosystems while continuing to advise high-growth fintech and SaaS businesses on commercial strategy, partnerships, go-to-market execution and scaling internationally. Throughout her career, Carolyn has held executive leadership positions with industry pioneers including PayPal, Braintree, GoCardless, Zepto, eBay and Vodafone, where she has led commercial strategy, enterprise sales, product commercialisation, strategic partnerships and digital transformation across Australia and global markets. Having worked across every stage of the payments ecosystem - from card acquiring and digital wallets through to real-time payments, Open Banking, embedded finance and fintech infrastructure, Carolyn brings a rare combination of deep industry expertise and practical commercial experience. She has helped launch new payment technologies, build strategic distribution partnerships, commercialise emerging products, and guide organisations through periods of rapid growth and industry disruption. Carolyn has been recognised as CEO Magazine's IT & Telecommunications Executive of the Year, Business Insider's Top 20 Women in Fintech, and Fintech Leader of the Year at the Women in Finance Awards. An engaging and energetic keynote speaker, Carolyn is known for translating complex industry trends into practical commercial insights. She speaks on the future of payments, fintech innovation, commercial growth, strategic partnerships, and digital transformation.

Amy Gryder

Amy Gryder is Head of Sales, North America at Inlogik, where she works with banks, fintechs and enterprise organisations navigating the changing landscape of commercial payments, spend management and embedded finance. With more than two decades of leadership experience spanning financial services, technology, customer experience and commercial growth, Amy has led teams through significant organisational change and has extensive experience bringing together people, technology and strategy to support growth and better customer outcomes. She believes successful transformation is rarely driven by technology alone. It requires leaders who can establish clear priorities, build organisational alignment, empower their people and adapt as markets and customer expectations evolve. A recognised voice in the global payments industry, Amy regularly speaks and moderates at international fintech and commercial payments events, sharing practical perspectives on leadership, organisational transformation, AI, embedded finance and the future of financial services.

Camilla Bullock

Camilla Bullock is an entrepreneur, connector, and recognised leader in the global payments industry. As CEO and Co-Founder of the Emerging Payments Association Asia (EPAA), she has positioned the organisation as the voice of payments in the Asia-Pacific region and an advocate on the global stage. Since its founding in 2018, EPAA has become a trusted counterpart in international dialogue, contributing actively to FSB task forces and the G20 agenda to enhance payments, drive innovation, and improve cross-border interoperability. Camilla’s career in financial technology began in London, where she spent 14 years in various roles at Reuters, now part of LSEG. Her work in the payments sector reflects a consistent focus on uniting industry leaders and accelerating innovation across the ecosystem. Beyond her role at EPAA, she founded the “Meet-Her She Knows Payments” initiative, which champions female thought leadership in the payments industry and reinforces diversity as a driver of innovation. She also serves on the board of the Swedish Australian Chamber of Commerce and mentors emerging talent, reflecting her commitment to shaping the next generation of payments leaders. She believes that real thought leadership means convening diverse voices, defining the problem clearly, and collaborating to grow the ecosystem rather than compete for its edges.

Gavin Healy

Gavin Healy is Director of Solutions Engineering at PayPal Australia, where he leads the enterprise technology consulting team working with some of Australia’s largest merchants and partners. His focus spans payments innovation, customer and developer experiences, and the practical application of emerging technologies. He is particularly interested in how AI and Agentic Commerce are reshaping the way consumers discover, engage and transact, and what that evolution means for the future of payments.

Roni Millard

Roni Millard is a keynote speaker, health and wellness consultant and founder of The Wellbeing Edge. With a 30-year senior leadership career spanning marketing, sales and transformation, including recognition as one of Australia's Top 50 Chief Marketing Officers, she understands firsthand the pressures of high-performance corporate environments. Featured in the Australian Financial Review for her perspective on the ‘Executive Health Trap,’ Roni is passionate about helping leaders achieve sustainable success without sacrificing their health and wellbeing. Through keynote speaking, executive workshops and coaching, she works with organisations to embed wellbeing, psychological safety and sustainable performance into leadership culture. Her expertise is grounded not only in executive leadership but also lived experience. While leading at senior levels, Roni navigated burnout, fertility struggles, endometriosis, miscarriages, osteoporosis and ultimately breast cancer. She also experienced psychologically unsafe workplaces, giving her a unique understanding of the human cost of poor workplace cultures and the importance of creating environments where people feel safe to contribute, challenge and thrive. An NLP Life Coach, mentor with the Women's Resilience Centre and Women’s Housing Company and a member of the Business Women Australia Marketing Sub-Committee, Roni brings strategy, authenticity and practical tools to every room she enters. Her mission is simple: to add increase to every person, organisation and community she serves, helping them perform at their best, live well, stay well and rise stronger through life's challenges, because no matter what, Still I Rise.

Stacey Wilkinson

Stacey Wilkinson brings 30 years of corporate leadership experience, spanning top-tier litigation, senior banking roles and General Counsel positions at global organisations. As founder of Anahata Alchemy, she helps high-achieving women, particularly in perimenopause and menopause, go from exhausted, trying to hold it all together, to energised, radiant and excited for their next chapter. She uses ancient practices and ways of living uniquely tailored to each woman and her busy life. Stacey is also an IPHM-accredited Himalayan breathwork facilitator and meditation teacher.

Lynne Cardwell

Lynne is a Banking and Financial Services leader with over 20 years experience in the Australian Banking Sector . She has held senior positions with Westpac and CBA in Finance, Payments and Transformation roles. Since 2018 Lynne has been the Executive Director Banking and Financial Services within NSW Treasury. Her role manages the overall liquidity for the State and oversees the reform of Banking and Payments across NSW to deliver simpler, faster, safer payment options for the citizens business and suppliers of NSW Government.

Alisha Malhotra works in Open Data & Identity at Commonwealth Bank, shaping policy, product and advocacy across digital identity and the Consumer Data Right. Her career has spanned strategy, risk, start-ups and corporate venturing, giving her a perspective that combines the instinct to build and innovate with an understanding of what it takes to operate safely at scale. Today, she works across technical, product, policy, legal and risk disciplines to translate complex regulatory and technology challenges into practical outcomes. Her current focus is on the evolution of Australia’s digital infrastructure, particularly digital identity, trusted data sharing and the intersection with payments. She brings a practitioner’s perspective to questions of sovereignty, interoperability and security, and how Australia can build infrastructure that supports innovation and creates lasting value for Australians. Alisha regularly engages with government, regulators and industry on data sharing policy and digital credentials, with a particular interest in how Australia’s approach can draw on global developments while reflecting the needs of Australian consumers.

Kristy Duncan

Kristy Duncan is the founder and CEO of Women in Payments. This growing professional network unites women in payments from around the globe with a shared vision of gender parity. Women in Payments offers career development opportunities through conferences, recognition programs, leadership and mentorship programs, and by hosting a growing global online community.  Kristy is an avid supporter of her fellow female trailblazers, serving as an investor and advisor to a number of fintechs. As a respected leader in the field, she’s been invited to speak to audiences around the world, and act as a judge for accelerators, fintech contests, and awards programs.  Before founding Women in Payments, Kristy was a leading payments consultant to global financial institutions, payment networks, fintechs, and other industry leaders. Prior to that, she held leadership positions at a tier one Canadian bank. 

Anna Fowler

Anna Fowler is the Head of Customer Success at Azupay and a senior leader in Australia’s payments and fintech ecosystem, with over 18 years’ experience across transaction banking, investments, strategy and real‑time payments. In her current role, she leads Azupay’s Customer Success function, setting direction across customer outcomes, operational readiness and the scalable adoption of modern payment solutions. She brings a strong ecosystem perspective, working with banks, fintechs, enterprise merchants and platform partners to translate strategy into execution. Anna’s career spans senior roles and leadership positions at St.George, Bank of Melbourne and Westpac, where she delivered complex transaction banking initiatives and managed large enterprise payment portfolios. She has been recognised for leadership and performance excellence, including the St.George Emerging Leader award and the Westpac Bicentennial Award. With a focus on customer outcomes, operational readiness and high‑quality payment experiences, Anna is passionate about advancing the real‑time payments landscape through collaboration, strong standards and strategic go‑to‑market execution. She is a trusted industry contributor supporting sustainable growth across the payments ecosystem.

Adam Kelly

Adam Kelly is General Manager, Australia at Scoot, the low-cost airline of the Singapore Airlines Group. Since February 2023, he has led Scoot’s Australian commercial activities, with responsibility for sales, distribution, market development and partnerships across the travel trade, airports and tourism sector. During his tenure, Scoot expanded its Sydney–Singapore services to double daily in October 2025, strengthening connectivity to Singapore and beyond. Adam previously spent almost six years with Singapore Airlines, including as Head of Distribution for Australia. His experience spans airline commercial strategy, business development, distribution technology and cross-border logistics, combining an engineering foundation with commercially focused decision-making. He serves on the Executive Committee of the Board of Airline Representatives of Australia (BARA) and chairs its Advocacy and Government Relations Committee. Through this work, he contributes to industry discussions on aviation policy, competition, airport and government charges, and the operating environment for international airlines. He has also represented Scoot in formal regulatory consultations concerning collective bargaining for essential aviation services. Alongside his aviation career, Adam has owned and operated businesses in healthcare and e-commerce. He holds a Bachelor of Aeronautical Engineering and Master’s qualifications in Law & Business Management.

Tara Tubman

Tara Tubman is currently Head of Sales, Merchant Services at National Australia Bank, where she is working to support the growth and future commercialisation of NAB’s acquiring business. She has 20 years’ experience in payments in the Asia Pacific region (having lived in Singapore, Hong Kong and Australia) and has worked in various sales leadership roles across all segments at American Express, Citibank and HSBC. Prior to NAB, Tara was Regional Director, Australia/NZ, Pacific Islands at BPC Banking Technologies where she led a cross functional team responsible driving the company’s position as a leading banking, payment and mobility SaaS solution company as well as a major player in digital transformation. Tara is excited about the fast pace transformation and growth in payments and is passionate about delivering customer centric solutions. She holds a BBus (UTS) and MBA (UNSW), and has recently relocated from Sydney to Melbourne with NAB.

Jodie Ann Arthur

Jodie Arthur is the General Manager of Financial Crime and Group MLRO at Westpac, based in Melbourne, Australia. She was appointed to this role in February 2023 after serving as Head of Financial Crime for Consumer and Business since joining Westpac in July 2020. With over 20 years of experience in the banking sector, Jodie has held senior leadership roles across multiple regions. Prior to Westpac, she was Regional Head of Financial Crime Compliance for ASEAN and South Asia at Standard Chartered Bank in Singapore. Before that, Jodie spent more than a decade at ANZ Bank in roles spanning Internal Audit, Operational Risk, Compliance, and Financial Crime. Her career began in London with Ernst & Young, where she worked for several years in risk and assurance. Jodie brings deep expertise in financial crime risk management and a strong track record of leading global teams to deliver robust compliance frameworks and innovative solutions.

Annelies Homersham

Annelies Homersham is a Principal in Grant Thornton Australia’s Risk Consulting practice and a financial crime specialist with a particular passion for the payments and fintech sector.   Her payments experience spans both industry and consulting. Before joining Grant Thornton, Annelies held a senior governance role at PayPal Australia, where she was involved in significant regulatory and strategic initiatives. Today, Annelies advises payments, fintech and financial services organisations on complex AML/CTF and financial crime matters. Her work includes risk assessments, AML/CTF frameworks, governance and assurance, regulatory reviews and external audits, remediation programs, and the design of operational systems and controls. She has led an AUSTRAC section 162 external audit on behalf of a Nominated Individual and supported organisations undergoing external audit and remediation.   Having worked on both sides of the table, Annelies brings a pragmatic perspective to the tension between innovation, customer experience, commercial priorities and regulatory expectations. She is passionate about making financial crime compliance practical and sustainable, and about helping the payments industry respond to rapidly evolving risks without losing sight of the customers and communities it serves.

Caroline Marshall

Caroline specialises in investigations and inquiries, with a particular focus on corporate and financial crime matters. She acts for corporations facing allegations of bribery and corruption, money laundering, sanctions violations and integrity issues, and has represented clients facing regulatory enforcement by AUSTRAC, ASIC, APRA, AFP, ASO and NACC. She regularly advises clients on compliance with AML/CTF, scams and sanctions laws, and associated regulatory enforcement or disputes. Her practice covers the full regulatory lifecycle, from regulatory advice to strategy, compliance, enforcement and remediation.

Kristy Duncan

Kristy Duncan is the founder and CEO of Women in Payments. This growing professional network unites women in payments from around the globe with a shared vision of gender parity. Women in Payments offers career development opportunities through conferences, recognition programs, leadership and mentorship programs, and by hosting a growing global online community.  Kristy is an avid supporter of her fellow female trailblazers, serving as an investor and advisor to a number of fintechs. As a respected leader in the field, she’s been invited to speak to audiences around the world, and act as a judge for accelerators, fintech contests, and awards programs.  Before founding Women in Payments, Kristy was a leading payments consultant to global financial institutions, payment networks, fintechs, and other industry leaders. Prior to that, she held leadership positions at a tier one Canadian bank. 

Julia Streets

Julia Streets is an entrepreneur, advisor, coach, MC, and speaker focused on the growth and transformation of businesses and talent. As Founder and Chair of Streets Consulting, a leading fintech business development, marketing, and communications consultancy, her team works with scaleups, startups, global organisations, and industry associations. Julia’s career blends deep market experience with strategic leadership insight, including senior leadership roles at Instinet, serving on the ExCo at Atos Euronext Market Solutions and an early career in the PR industry. As founder of Productive Avenues, her work focuses on the growth and transformation of people. Julia works privately with C-suite and rising leaders around the world, facilitates leadership bootcamps and team skills workshops, and presents many keynote speeches. Julia is on a mission to democratise access to human skills training, essential in the age of AI. This year her online course, SoftSkillingIt.com was accredited by TechSkills, and has already attracted 5+ million views on TikTok. As a former stand-up comedian, Julia is a sought-after MC and presenter hosting podcasts, shows, prestigious industry conferences and awards around the world. Her own podcast, DiverCity Podcast was listed one of the most influential DE&I podcasts in the world. Julia has received many accolades for her work, and in 2025, was awarded an MBE for services to diversity and entrepreneurship in financial services and technology. She sits on the Advisory Council of Jobs2030, the Pride in Fintech Council, is a Fellow of the British American Project, member of the PowerWomen Network and is a passionate supporter of Street Child.

Regi McCulloch

Regi is a strategic, insights-led and purpose-driven marketing leader who currently leads the brand and marketing team at AP+ to connect the payments ecosystem and build trust in the products and services that help Australians pay, get paid and prove their identity every day. She brings more than 16 years’ experience across payments, banking and financial services, including over 9 years at Commonwealth Bank. Regi also chairs empowher, AP+’s women’s network, and is passionate about creating opportunities for women to connect, share experiences and advance gender equity across the industry.

Julia Streets

Julia Streets is an entrepreneur, advisor, coach, MC, and speaker focused on the growth and transformation of businesses and talent. As Founder and Chair of Streets Consulting, a leading fintech business development, marketing, and communications consultancy, her team works with scaleups, startups, global organisations, and industry associations. Julia’s career blends deep market experience with strategic leadership insight, including senior leadership roles at Instinet, serving on the ExCo at Atos Euronext Market Solutions and an early career in the PR industry. As founder of Productive Avenues, her work focuses on the growth and transformation of people. Julia works privately with C-suite and rising leaders around the world, facilitates leadership bootcamps and team skills workshops, and presents many keynote speeches. Julia is on a mission to democratise access to human skills training, essential in the age of AI. This year her online course, SoftSkillingIt.com was accredited by TechSkills, and has already attracted 5+ million views on TikTok. As a former stand-up comedian, Julia is a sought-after MC and presenter hosting podcasts, shows, prestigious industry conferences and awards around the world. Her own podcast, DiverCity Podcast was listed one of the most influential DE&I podcasts in the world. Julia has received many accolades for her work, and in 2025, was awarded an MBE for services to diversity and entrepreneurship in financial services and technology. She sits on the Advisory Council of Jobs2030, the Pride in Fintech Council, is a Fellow of the British American Project, member of the PowerWomen Network and is a passionate supporter of Street Child.

Lynn Kraus AM

Lynn is the CEO of Australian Payments Plus, which brings together the businesses of eftpos, BPAY and the New Payments Platform. Prior to joining Australian Payments Plus, Lynn worked in professional services and banking for over 25 years and held various leadership positions. Lynn received the Member of the Order of Australia, in recognition of significant service to business and commerce, to gender equality, and to the community. She is currently a member of the Young Presidents Organisation (YPO) and Chief Executive Women as well as serves as an Ambassador for Apropela, a not-for-profit organisation supporting female led businesses. Lynn was named one of the Australian Financial Review’s 100 Women of Influence. As the CEO of Australian Payments Plus, she is focused on ensuring that the company is strategically placed to deliver world class payments for Australia now and into the future

Julia Streets

Julia Streets is an entrepreneur, advisor, coach, MC, and speaker focused on the growth and transformation of businesses and talent. As Founder and Chair of Streets Consulting, a leading fintech business development, marketing, and communications consultancy, her team works with scaleups, startups, global organisations, and industry associations. Julia’s career blends deep market experience with strategic leadership insight, including senior leadership roles at Instinet, serving on the ExCo at Atos Euronext Market Solutions and an early career in the PR industry. As founder of Productive Avenues, her work focuses on the growth and transformation of people. Julia works privately with C-suite and rising leaders around the world, facilitates leadership bootcamps and team skills workshops, and presents many keynote speeches. Julia is on a mission to democratise access to human skills training, essential in the age of AI. This year her online course, SoftSkillingIt.com was accredited by TechSkills, and has already attracted 5+ million views on TikTok. As a former stand-up comedian, Julia is a sought-after MC and presenter hosting podcasts, shows, prestigious industry conferences and awards around the world. Her own podcast, DiverCity Podcast was listed one of the most influential DE&I podcasts in the world. Julia has received many accolades for her work, and in 2025, was awarded an MBE for services to diversity and entrepreneurship in financial services and technology. She sits on the Advisory Council of Jobs2030, the Pride in Fintech Council, is a Fellow of the British American Project, member of the PowerWomen Network and is a passionate supporter of Street Child.

Sarah Beckett

Sarah Beckett is the APAC Payments Lead at global management consultancy Baringa Partners.  She brings more than 15 years of Australian and international experience to some of the industry’s most complex and important challenges. A trusted adviser to banks, payment providers and government organisations, Sarah combines deep knowledge of the Australian payments ecosystem with global expertise to shape strategy, lead transformation and deliver practical outcomes that move the industry forwards.

Holly Dorber

Holly Dorber advocates for public policy that delivers real outcomes for people, operating at the intersection of policy, politics and business across payments, technology and commerce. Holly leads Government Relations & Public Policy for PayPal in Australia, as part of PayPal's Global Government Relations team. With more than two decades of experience across trade, investment, financial services and technology, her career spans senior roles in government, industry and the private sector, including as a policy adviser to the Australian Government. She has played an active role in shaping policy agendas across the Australian regulatory landscape and at international forums including the WTO, CPTPP and APEC. Holly serves as President of the Australian Services Roundtable, Australia's leading digital and services trade association; Co-Sherpa of the Asia Pacific Financial Forum Digital Commerce workstream; and Advisory Board Member of the Emerging Payments Association Asia.

Katrina Ell

As the Senior Economist for Australia and New Zealand, Katrina leads the development and delivery of differentiated economic, financial, policy and market thought leadership for customers and Mastercard in the region. Katrina joined Mastercard in 2025 with 14 years of experience at Moody’s Analytics having worked in different roles, most recently as Head of the Asia-Pacific economics team where she was responsible for the macroeconomic research agenda for the region as well as the suite of Moody’s economic solutions, including baseline and alternative scenario forecasting. Prior to Moody’s, Katrina was an analyst at the Australian Prudential Regulation Authority. Katrina appears regularly on CNBC, BBC, and Bloomberg for her macroeconomic insights. Katrina was named the Australian Financial Review’s most accurate forecaster in 2025. Katrina holds a Master in Applied Economics and Bachelor of Economics (Honours) from Macquarie University.

Lucy Saliba

Lucy has over 20 years’ experience in banking and financial services. Previous roles Lucy has held at ANZ include Head of Strategy & Execution, International and Global Head of Business Execution, Financial Institutions Group (Hong Kong & Melbourne). Before joining ANZ, Lucy worked as a Management Consultant at Kearney working across Asia Pacific predominantly working for clients in the FMCG and Industrials sectors. She also worked at Boral and the Australian Trade Commission. Lucy holds an MBA from Melbourne Business School and a Bachelor of Chemical Engineering from the University of Melbourne. She is a member of the Australian Institute of Company Directors.

Kristina Kilner

Kristina Kilner is Head of the Payments Centre of Excellence at ASB, where she leads the bank’s strategic approach to payments policy advocacy and industry engagement. Before joining ASB’s Payments leadership team, Kristina led ASB’s Government Relations and Regulatory Affairs function, where she was responsible for regulatory strategy, policy development, ministerial engagement and advocacy across the bank. A qualified lawyer with more than 19 years’ experience across banking, insurance and legal sectors, Kristina has extensive experience engaging with government, regulators and industry on payments modernisation, competition, open banking, consumer protection and financial services reform, and is a strong advocate for collaborative approaches that support innovation while maintaining trust and resilience in New Zealand’s financial system.

Erica Martin

Erica is a Senior Legal Director at WEX, a global payments company headquartered in the US. Based in Melbourne, Australia, she leads the global Legal team's enterprise-wide initiatives in new product innovation, supporting an international team across time zones. With over 20 years' experience as a lawyer in Australia and the UK, Erica has deep expertise in digital payments, AI and emerging technologies, global regulation, and digital insights.

Claire McKay

Claire McKay is the head of Treasury’s Payments, Scams and Innovation Branch in the Digital Policy and Corporations Division. She leads strategic policy development and regulatory reform across key areas including payment systems, digital assets, eInvoicing, and scams legislation. Prior to this role, Claire headed Treasury’s Data and Digital Policy Branch, where she oversaw the Consumer Data Right and Treasury’s interest in Artificial Intelligence. Claire brings a wealth of experience from across the Australian Public Service, having held roles at the Department of the Prime Minister and Cabinet, the Reserve Bank of Australia, and the Department of Finance. Claire has degrees in commerce, economics and law from the University of Adelaide and the Australian National University.

Gulshan Singh

Gulshan Singh is Head of Payments Policy at the Commonwealth Bank of Australia. She started her career as a physiotherapist before pivoting to financial services with over 20 years of experience in public policy, advocacy and regulatory affairs in banking and general insurance. Gulshan and her team are responsible for influencing payments public policy by contributing evidence based views to inform the public debate and shape the future of the Australian payments system. Gulshan serves on the Women in Payments Australia Advisory Board and a range of industry working groups, holds a Juris Doctor from Macquarie University and is admitted as a lawyer of the Supreme Court of New South Wales.

Stephanie Rihon

Stephanie Rihon is the Global Head for Banks & Insurance Coverage at National Australia Bank (NAB), a position she took on in October 2024. Based in Sydney, she is responsible for managing and strengthening NAB’s relationships with major global banking and insurance clients. In her role, Stephanie leverages her extensive expertise in financial institution (FI) relationship management and sales across multiple regions to drive growth and deepen partnerships within NAB’s global banking network. With >20 years of experience in financial services, Stephanie previously served as the Head of Financial Institutions for Southeast Asia at ING Bank in Singapore, where she led the FI coverage and Transaction Services Sales teams. Stephanie’s experience includes setting and executing strategic FI initiatives and managing cross-functional teams to expand ING’s influence in APAC. Throughout her career, Stephanie has held roles in Canada, Belgium, and Singapore, with expertise spanning Payments, Trade Finance, and a range of client solutions for both bank and non-bank financial institutions, including asset managers, and financial sponsors. Known for her client-focused approach, she thrives in building relationships and delivering solutions tailored to drive client growth and efficiency. Originally from Belgium, Stephanie holds an MBA in Financial Economics from Université Catholique de Louvain. She is fluent in English, French and Dutch. Her international background and language skills enhance her ability to navigate global markets and foster effective international client partnerships.

Marina Berberic

Marina Berberic is a regulatory lawyer and compliance leader specialising in open finance, financial services regulation and regulatory implementation. As Counsel, Regulatory at Mastercard, she supports Mastercard's Open Finance business across Australia and the Asia Pacific region, advising on legal, compliance, policy and governance matters across open finance and consumer-permissioned data sharing. Marina’s role is intentionally cross-functional. She works across legal, compliance, product, commercial, policy, privacy, technology and delivery teams to translate complex regulatory frameworks into workable operating models, governance processes, partner arrangements and assurance artefacts. Her work spans regulatory change management, accreditation obligations, incident assessment, partner due diligence, regulator engagement, public policy advocacy and the design of scalable compliance processes for emerging open finance use cases. Throughout her career, Marina has built a reputation for leading through influence rather than status. She is particularly interested in the leadership skills required to navigate ambiguity, build trust across disciplines and create impact in complex, highly regulated environments. Her work has contributed to industry discussions on open banking, consumer trust, compliance and the future of open finance.  Marina holds a Juris Doctor from the University of Melbourne, a Bachelor's degree from the University of Queensland and has previously served as President of Lawyers Without Borders, reflecting her longstanding commitment to leadership, service and access to justice.

Sue Rosen

Sue Rosen is an executive coach, keynote speaker, and leadership expert who empowers professionals to cultivate presence, confidence, and impact. With over 25 years in senior finance roles, including as CFO, and a decade coaching executives, Sue knows the pressure of high-stakes boardrooms and the cost when talented leaders go unheard. Sue leaves audiences inspired to lead with clarity, confidence, and purpose.

Colin Baines

As Country Manager and VP of Commercial at Worldpay ANZ, Colin Baines leads commercial strategy, revenue performance, and customer-centric innovation that deliver positive commercial outcomes for clients. He is a senior executive with a deep experience in the payments industry, particularly in driving growth in the payments industry across Australia and global markets. He scales businesses holistically by aligning go-to-market, product, operations, and compliance to enable market expansion and enterprise transformation. Previously, he held leadership roles at Commonwealth Bank of Australia, Zip, and PayPal.

Anna George

Anna George is a payments, product and transformation executive with nearly 30 years’ experience across consumer finance, retail and commercial B2B payments. She has held senior leadership roles at WEX, MUFG Pension & Market Services and GE, working across product and commercial strategy and enterprise transformation. She is a former Women in Payments Innovation Award winner and Advisory Board member.

Kylie Hogan

Kylie Hogan is the Director of an Executive Search and Coaching firm, partnering with Boards, CEOs and C-suite executives on senior leadership appointments. With over 20 years’ experience in executive recruitment, Kylie brings extensive industry knowledge, leadership insight and a deep understanding of executive capability and organisational needs. An accredited Executive Coach and Career Adviser, she also works with executive women navigating redundancy, career transitions and positioning themselves for new opportunities in today’s competitive employment market. Her experience across executive search, leadership and career advisory provides a valuable perspective on the decisions that shape organisations, leadership teams and executive careers.

Katrina Stuart

Katrina Stuart works at Australian Payments Plus (AP+) as executive sponsor for the industry programme of work focusing on modernising Australia’s payments and migrating payments to the NPP. Prior to the formation of AP+, Katrina was Head of Engagement at NPP Australia working with financial institutions and fintechs to grow volumes and services on the NPP. Katrina has also worked for American Express in Sydney, Singapore and London, and started her career at Booz Allen & Hamilton.

Ee-Lin Wong

Ee-Lin Wong is a Product Manager at National Australia Bank with over 20 years' experience in digital transformation, product management and customer experience. Her experience spans account-to-account payments, card payments and digital customer experiences, with a focus on product strategy, commercialisation and driving customer adoption of new payment solutions. Ee-Lin led the development and commercialisation of NAB’s Pay by Bank capabilities and is a strong advocate for the adoption of PayTo and real-time account-to-account payments in Australia. She is passionate about payments innovation, customer-centric design and helping businesses and consumers realise the benefits of real-time payments.

Leah Rocheleau

Leah is a dynamic and seasoned executive with over 15 years of experience in the professional services and payments industry. As Vice President, Head of Digital & Retail Partnerships in Australia, Leah leads the enterprise retail, digital and fintech partnerships for Mastercard in Australia, driving innovative solutions and strategic growth for our strategic partners. She joined Mastercard 11 years ago through the acquisition of Applied Predictive Technologies, an analytics software company and is an Advisory Board member of Women in Payments Australia.

Jan McGrath

Jan McGrath is an accomplished speaker and industry leader with deep expertise in financial services, global payment systems, and major innovation implementation. She brings a rare blend of strategic vision and practical execution, helping audiences understand how to build resilient, customer-centric payment ecosystems in a fast-changing digital landscape. Jan has built her career across leading financial institutions and fintech organisations, including ANZ, HSBC Hong Kong, Mastercard, Novatti, and Black Book. Her experience spans payments and loyalty strategy, operational readiness, global payment systems, and innovation, giving her a broad and highly relevant perspective on the forces shaping the future of digital payments. As a speaker, Jan is known for connecting big-picture industry trends with real-world implementation. She speaks with authority on transformation, leadership, and the practical realities of delivering change across complex, regulated environments. Jan is a consultant to the payments industry and also an Ambassador for the Emerging Payments Association APAC (EPAA) - nominee in 2025 for a Life Time Achievement Award in Payments.

Turlough Crowe

Turlough Crowe is a Senior Associate in Strategic Growth at ANZ Institutional, where she works with leading Australian organisations to navigate the evolving payments landscape. Her work focuses on the transition to real-time payments and the adoption of emerging payment capabilities, including solutions such as PayTo and Confirmation of Payee. In 2025, Turlough received the Women in Payments Emerging Leader Award in recognition of her contribution to the payments industry.

Rebecca Michael

Rebecca Michael joined Zepto in August 2021 as People Operations Manager. In this role, she was instrumental in scaling the business's operations, processes and people following the company's Series A funding. Fast forward to today, her responsibilities grew, leading to her promotion to the Executive Team in November 2023 as Zepto’s inaugural Chief of Staff. In this role, Bec is a trusted partner to the CEO and the broader Executive team, driving company strategy and executive alignment while continuing to lead the People and Culture function. Prior to Zepto, Bec held several People and Culture roles across various industries, including technology, tourism and non-profit.

Manell Saad

Manell was appointed Chief Legal Officer and Company Secretary in July 2026. Manell leads Cuscal’s legal and company secretariat functions and has held a number of senior legal roles since joining Cuscal in March 2023, including Head of Legal. Manell is an experienced legal executive with over 20 years’ experience in banking and financial services, deep expertise in corporate, commercial and regulatory matters, and a strong track record of leading complex enterprise-wide projects and initiatives. Before joining Cuscal, Manell was Deputy General Counsel at ASX-listed finance company FleetPartners Group. Prior to that, Manell was Senior Banking Counsel at ING Bank Australia and held legal roles at St George Bank and Westpac. Manell holds a Bachelor of Laws (LLB) and a Bachelor of Commerce (BCom) from the University of Wollongong and is admitted to the Supreme Court of NSW and the High Court of Australia. Manell is also a member of the Banking and Financial Services Law Association.

Yalda Sayar

With over 30 years of experience in IT, I have built a career at the intersection of technology, payments, and learning. Specializing in point-of-sale (POS) systems and fintech solutions, I have spent decades not only implementing technology but also empowering people to understand, adopt, and excel with it. As a passionate teacher/trainer and learning advocate, I have helped individuals and organizations bridge the gap between technical knowledge and real-world impact. My work focuses on simplifying complex concepts, building confidence, and enabling professionals to turn knowledge into influence. I bring a unique perspective shaped by hands-on industry experience, deep technical expertise, and a strong belief that continuous learning is the key to staying relevant and leading in a rapidly evolving payments landscape.

Stephanie Watson

Stephanie Watson is a Senior Vice President in Global Payments and Trade at BNY. With over 20 years of experience in domestic and cross-border banking, she is a seasoned payments expert, bringing deep industry knowledge and a strong understanding of the evolving global payments landscape. Based in Melbourne, Stephanie works closely with clients and stakeholders across markets to deliver strategic, client-focused solutions that support growth, efficiency, and resilience in an increasingly interconnected global economy. Stephanie is particularly passionate about the role of innovation in shaping the future of payments, and in helping organizations navigate complexity in a rapidly changing environment.

Carey Harrop

Carey Harrop is a senior banking and payments professional at Citi, with more than 15 years' international experience across Asia Pacific and EMEA. As Head of WorldLink for APAC Cross-Border Payments, she leads regional strategy and growth, partnering with financial institutions, corporates and public-sector organisations to advance cross-border payments and digital transformation. Prior to this role, Carey was Commercial Cards and Cross-Border Payments Head for Citi Australia. responsible for delivering the payments product strategy, execution, and P&L delivery. Carey brings deep expertise in payments, product innovation and commercial strategy, with a track record of delivering results for clients and the business. She is passionate about building collaborative partnerships, challenging conventional thinking and turning complex industry developments into practical solutions

Tara Tubman

Tara Tubman is currently Head of Sales, Merchant Services at National Australia Bank, where she is working to support the growth and future commercialisation of NAB’s acquiring business. She has 20 years’ experience in payments in the Asia Pacific region (having lived in Singapore, Hong Kong and Australia) and has worked in various sales leadership roles across all segments at American Express, Citibank and HSBC. Prior to NAB, Tara was Regional Director, Australia/NZ, Pacific Islands at BPC Banking Technologies where she led a cross functional team responsible driving the company’s position as a leading banking, payment and mobility SaaS solution company as well as a major player in digital transformation. Tara is excited about the fast pace transformation and growth in payments and is passionate about delivering customer centric solutions. She holds a BBus (UTS) and MBA (UNSW), and has recently relocated from Sydney to Melbourne with NAB.

Chong Gu

Chong Gu is a Director at Mastercard, where she partners with financial institutions and ecosystem partners to build network growth opportunities and solve important problems across the payments ecosystem. With experience spanning strategy, product, commercial leadership and regional P&L roles across Asia Pacific, Chong is known for her ability to connect dots across organisations, bring diverse perspectives together and turn complexity into outcomes. A passionate advocate for leadership in complex, matrixed environments, Chong speaks on influence, executive presence and building a career in the rapidly evolving payments industry. She believes that lasting influence comes from curiosity, collaboration and the ability to connect people, ideas and opportunities to create momentum.

Linda Minassian

Linda is an accomplished executive with over 25 years’ experience across consulting, wine, airlines, casinos and financial services.  As in Independent Advisor and Business Strategist, Linda combines strategic vision with commercial acumen to deliver sustainable customer centric innovation. Her senior executive roles have included Commercial Director at Lion, Group GM Merchant Payments at Westpac, APAC Managing Director at Pollinate and Executive Sales & G2M at NAB. Linda is a Chartered Accountant and is enrolled in the Australian Institute of Company Directors (AICD) course.

Yvonne Kiwerc

I am a banking executive and innovation leader with a passion for transforming customer experiences, growing businesses and developing people. As Head of Product & Payments Innovation at ANZ's Business & Private Bank, I lead strategic initiatives that drive growth, innovation and simplification across banking products and payments. With leadership experience spanning across Retail and Commercial Banking, I have built my career on delivering customer-led change, leading complex transformation and empowering teams to achieve meaningful outcomes. I am passionate about developing future leaders, fostering high-performing cultures and leveraging innovation to create lasting value for customers, colleagues and organisations alike.

Juliana Castañeda Ascuntar

Juliana is a Senior Product Manager at Stake, where she leads the development and delivery of the payments, compliance, and partner capabilities that move customer money safely in and out of the platform. With more than six years across finance, operations, engineering and product, she has a close view of how money moves from the customer to settlement. She focuses on payments from the customer’s side and how to keep the journey simple. Juliana holds a Master of Management from the University of Sydney and a Bachelor of Finance and International Relations from Externado University in Colombia.

Karman Lo

Karman Lo is Head of Client Service Account Management for J.P. Morgan Payments in Australia and New Zealand. She leads the client service agenda and a high-performing team dedicated to delivering consistently exceptional outcomes for a diverse portfolio of corporate and institutional clients. With 15 years’ experience in payments across client service, sales enablement and business management, Karman brings a whole-of-journey perspective to helping organisations navigate increasingly complex treasury and payments environments. She is focused on building trusted partnerships and modernising service through digital and AI-enabled capabilities to improve resiliency, simplify experiences and enable more proactive engagement. Prior to joining J.P. Morgan, Karman spent a decade at HSBC across Hong Kong and Australia, holding roles in regional sales enablement and client service supporting local large corporate clients.

Jeni Oye

Jeni Oye is a Head of Product at Tyro, where she helps build the payment solutions that thousands of Australian businesses rely on every day. With 10+ years experience in fintech, and a business owner and entrepreneur, she is known for turning complex problems into simple, user friendly, business outcomes. Jeni is passionate about encouraging more women into payments and technology, and loves seeing women thrive in traditionally male dominated industries. Outside of work, she loves being outdoors, and designing and making beautiful things.

Jaimie Wistaff

Jaimie Wistaff is a Senior Solutions Engineer at Zepto with almost two decades of experience across digital marketing, technology and payments in Canada and Australia. Since joining Zepto in early 2023, she has played a central role in two of Australia’s most significant recent payments innovations: PayTo and Zepto Validate, Zepto’s Confirmation of Payee solution. Before moving to Australia, Jaimie spent almost 7 years at Ottawa-based web technology company Fenix Solutions, progressing from Project Manager to Senior Solutions Architect and Product. It was there she was first introduced to payments infrastructure, working with Payments Canada to build their new website from the ground up. That meant understanding the site’s critical role for the industry, from documenting ISO 20022 standards to maintaining key directories, and translating it into new content, UX and UI. At Zepto, Jaimie works with the Commercial and Product teams, customers and partners to solve payment pain points and get integrations live. She was driving a major bank’s PayTo integration in her first week and has since become a trusted technical partner across the ecosystem. She also led the development of Zepto’s PayTo Help Centre and is a Technical Mentor at Zepto. Jaimie is driven by a need to understand the why: why something works the way it does, and what that means for the people using it. That curiosity has made her a regular industry voice, from hosting “The A2A Evolution” panel at the 2025 Women in Payments Symposium to webinars on PayTo and Confirmation of Payee. She was named Zepto’s Rising Star in 2023 and nominated for an Innovation Award at the 2025 Women in Payments Symposium. Jaimie now calls Byron Bay home, trading city life for mornings in the surf, and volunteers with the Disabled Surf Association NSW. Her motto: “Expect the best, plan for the worst, and prepare to be surprised.”

Kristy Duncan

Kristy Duncan is the founder and CEO of Women in Payments. This growing professional network unites women in payments from around the globe with a shared vision of gender parity. Women in Payments offers career development opportunities through conferences, recognition programs, leadership and mentorship programs, and by hosting a growing global online community.  Kristy is an avid supporter of her fellow female trailblazers, serving as an investor and advisor to a number of fintechs. As a respected leader in the field, she’s been invited to speak to audiences around the world, and act as a judge for accelerators, fintech contests, and awards programs.  Before founding Women in Payments, Kristy was a leading payments consultant to global financial institutions, payment networks, fintechs, and other industry leaders. Prior to that, she held leadership positions at a tier one Canadian bank. 

Nish Dharmaratne

Nish Dharmaratne is the Go-To-Market Lead for Amazon Web Services (AWS) for Australia & New Zealand. In her current role, she is setting & leading the strategic direction to deepen the customer penetration & growth for AWS for Financial Services Industry (Banking). Nish has over 27 years of experience in banking across Australia and Asia. Prior to AWS, she was the Managing Director, Global Head of Product for Global Transaction Banking at Westpac Institutional Bank based in Australia. She led the GTS Product organisation and transformation programs across the New Payments, Corporate Cards and held accountability for Customer Deposit products, Digital channels & Payment products enterprise wide. In addition, she led the Liquidity & Balance Sheet initiatives for Corporate & Institutional Bank at Westpac. During her tenure at Citibank, she led GTS business in Singapore for Citibank and held various roles with Citi in APAC leading regional businesses in Liquidity, Payments, Investments, Client Solutions and Relationship Management covering 14 Asian markets. She has a Bachelor of Banking & Finance from Monash University, Australia, Postgraduate from Chartered Institute of Marketing, UK & Master of Business Administration from University of Jay, Colombo. She has also completed the Chief Executive Women (CEW) program in Australia, High Potential Leadership program at Harvard University & Women in Leadership program at UCLA, USA. She is a Fellow at FINSIA & Member of Chartered Institute of Marketing, United Kingdom. Her Board experience include board membership at AusPayNet (APN) & Qvalent Pty Ltd (wholly owned technology subsidiary of Westpac). Including the Advisory Board position at the Women In Payments (WIP), Australia & New Zealand.

Trent J. Daniel

Trent Daniel brings over a 20 years of experience in fintech, transaction banking and telco to his role as Azupay's Chief Customer Officer. Having held leadership roles at prominent organisations such as ANZ, Macquarie Group, Westpac, NAB, and Optus, Trent has a proven track record of driving innovation and delivering customer-focused solutions. His expertise in fostering strong client relationships and navigating complex payment ecosystems ensures Azupay continues to lead the way in real-time,

Kate Halpin

Kate Halpin (she/her) is the Managing Director and Founder of NeuroEdge, a social impact organisation driving neuroinclusion in the workplace. A respected thought-leader and champion for change with over 14 years of experience in the Neurodiversity employment space, Kate leverages her lived experience of neurodivergence to educate workplaces and to build their capacity to understand, value and embrace neurodiversity. Kate guides organisations to embed inclusive, strength-based practices and to remove barriers so that neurodivergent employees can thrive.

Maud Lindley

Maud Lindley is the Founding Director of Serendis Leadership, where she partners with senior executives and leadership teams to navigate complexity, elevate performance, and build adaptive, agile organisations. With more than two decades of experience across Asia Pacific and internationally, Maud is a trusted advisor to executives at the most senior levels of management, including across many ASX-listed organisations. Her work spans a broad range of executive priorities, from strengthening leadership effectiveness and decision-making to supporting leaders through transformation, growth and organisational change. As an executive coach, she is known for her ability to get to the heart of complex leadership challenges and support leaders to respond with clarity and confidence in high-stakes environments. Her work has supported measurable shifts in leadership capability, team performance and organisational culture. Maud is frequently sought out by leading Australian organisations to deliver keynotes on a broad range of leadership topics, including adaptive leadership, navigating uncertainty and shaping high-performing cultures. Her work is grounded in a belief that leadership today demands both strategic agility and human insight, and she is recognised for helping leaders translate this into practical, lasting impact. Her expertise spans executive coaching, mentoring and leadership development, with deep expertise in financial markets, funds management and professional services. This is underpinned by an earlier career in senior roles in debt capital markets with global institutions including UBS, Société Générale and Crédit Lyonnais, based in London and Paris. Maud is also the host of the popular podcast Mentoring Unlocked, now in its third season, where she speaks with senior executives across industries about their leadership journeys and the role of mentoring and coaching in shaping their careers. She is also a guest on prominent podcasts including Talking Business and HR Daily. She holds a Master’s degree in Finance and Business Management from the University

Sarah Reid

Sarah Reid leads the Financial Institutions Group Sales team for Global Payments Solutions in Australia, overseeing people management and team development. She is responsible for the strategy and delivery of treasury and payments solutions for banks, non-bank financial institutions and government clients across local, regional and global markets. Sarah brings more than two decades of banking experience to her work in treasury and payments advisory. Her career spans operations, foreign currency, trade, client service and product roles, including 16 years at two major Australian banks before joining Bank of America in 2015. An advocate for inclusion and leadership development, Sarah is Co -Chair of Bank of America's Women's Leadership Council Australia, a role she has held since 2024. She previously served for several years as Co -Chair of LEAD (Leadership, Education, Advocacy and Development for Women). She also participates in external networks and client and industry groups promoting greater representation and opportunity. Alongside her banking career, Sarah is undertaking ongoing studies in psychology, complementing her experience in leadership, client engagement and team development

Lisa Thompson

Lisa is an HR leader with more than 15 years’ experience across fintech, travel and advertising. At Fiserv, she focuses on attracting, developing and retaining talent while fostering a strong and inclusive culture. A leader of Fiserv’s Women’s Impact Network, Lisa is passionate about advancing women, developing female talent and creating opportunities for future leaders.

Julia Streets

Julia Streets is an entrepreneur, advisor, coach, MC, and speaker focused on the growth and transformation of businesses and talent. As Founder and Chair of Streets Consulting, a leading fintech business development, marketing, and communications consultancy, her team works with scaleups, startups, global organisations, and industry associations. Julia’s career blends deep market experience with strategic leadership insight, including senior leadership roles at Instinet, serving on the ExCo at Atos Euronext Market Solutions and an early career in the PR industry. As founder of Productive Avenues, her work focuses on the growth and transformation of people. Julia works privately with C-suite and rising leaders around the world, facilitates leadership bootcamps and team skills workshops, and presents many keynote speeches. Julia is on a mission to democratise access to human skills training, essential in the age of AI. This year her online course, SoftSkillingIt.com was accredited by TechSkills, and has already attracted 5+ million views on TikTok. As a former stand-up comedian, Julia is a sought-after MC and presenter hosting podcasts, shows, prestigious industry conferences and awards around the world. Her own podcast, DiverCity Podcast was listed one of the most influential DE&I podcasts in the world. Julia has received many accolades for her work, and in 2025, was awarded an MBE for services to diversity and entrepreneurship in financial services and technology. She sits on the Advisory Council of Jobs2030, the Pride in Fintech Council, is a Fellow of the British American Project, member of the PowerWomen Network and is a passionate supporter of Street Child.

Sam Burns

Sam Burns is a Vice President and Treasury Product Manager at Bank of America, based in Sydney, with extensive experience in cash management and payments. He is responsible for balance sheet and liquidity solutions and digital channels in Australia, working across client solutioning, product strategy, innovation and the evolving regulatory landscape. Sam works closely with clients and partners across the globe to develop solutions that respond to changing client needs and industry developments.

Steven Chapman

Steven joined Tyro in 2019 and was appointed as Chief Risk Officer in 2021, leading the Tyro Risk and Compliance function. With more than 20 years’ experience across banking, payments, insurance and retail, Steven has led enterprise risk, regulatory change and business transformation in complex, highly regulated organisations. He is recognised for combining commercial pragmatism with strong governance, helping organisations navigate change while maintaining disciplined risk management. Steven moved to Australia in 2009 with his family and, before joining Tyro, held senior leadership roles with QBE, IAG and Woolworths. He is a Chartered Global Management Accountant (CGMA), a Certified Information Systems Auditor (CISA), and holds an MA (Hons) from the University of Glasgow.

Mariana Paun

Mariana Paun is Chief Business Resilience Officer at Zepto, where she leads operational resilience, business continuity and risk strategy across one of Australia’s leading real-time payments providers. She has extensive experience helping organisations balance innovation, security and resilience in complex, fast-moving environments and is passionate about building trusted infrastructure that supports the future of financial services.

Leah Pinto

Leah is a Director, Cyber Intelligence at CyberCX with over 15 years of experience across government, law enforcement, and the private sector. She established and leads CyberCX’s Intelligence Engagement function, delivering operational and strategic cyber intelligence to corporations, critical infrastructure providers, and government agencies. Before moving into the private sector, Leah spent years at NSW Police Force working in serious and organised crime intelligence at State Crime Command and State Intelligence Command — experience that gives her a sharp lens on the fraud, scams, and cyber threats facing organisations and individuals today. Leah regularly appears in media to provide insight into the cyber threat landscape, was named in the AFR’s Women to Watch series, and appeared as the Cyber Lead on Season 3 of Hunted Australia.

Yolanda Tam

Yolanda Tam, Head of Operational Resilience, Business Continuity & Incident Management, is an excellent fit to moderate this session. She brings senior experience across operational resilience, incident management, financial crime remediation and business controls. Her track record of connecting strategy, governance and practical execution would enable her to draw out actionable insights on what delivers measurable impact and how cross-industry collaboration can strengthen the payments ecosystem.

Bronwyn Yam

Bronwyn joined Cuscal in May 2023 as the Chief Product Officer. She is responsible for driving Cuscal’s product strategy. Bronwyn has over 25 years experience in financial services and consulting industries. Prior to joining Cuscal, Bronwyn was the Chief Product Officer at Tyro Payments and held several senior roles across various divisions within the Commonwealth Bank of Australia. Before moving to Australia in 2004, Bronwyn had a consulting career with Arthur Andersen Business Consulting in the United States and across Asia working with clients from multiple industries from manufacturing to financial services. Bronwyn holds a Master of Business Administration from the Hong Kong University of Science and Technology and a Bachelor of Arts in Business Economics from UCLA.