Technology & Innovation Risk

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2ND ANNUAL TECHNOLOGY & INNOVATION RISK Emerging advances in technology and innovation and leveraging across financial services 25-26 SEPTEMBER, 2018 | LONDON

HEAR FROM MORE THAN 20 KEY TOPICS TO BE ADDRESSED ON DAY ONE INNOVATION, STRATEGY AND FINTECH NEW RTGS DIGITAL BIG DATA PROFESSIONALS INCLUDING: TECHNOLOGY Real-time gross INFRASTRUCTURE Advancing strategic New opportunities settlement (RTGS) Review and analysis thinking and and making strategic renewal: Enabling the of building a digital integrating data sets business decisions to next generation of infrastructure to enhance decision Nadeem Siam Matt Glover payments making and KYC Founder & CEO Head of Transformation leverage technology Welendus Unity Trust Bank

Tatjana Christians Victoria Cleland Head of Brexit Execution, Executive Director Banking, Richard Crook Victoria Cleland Francis Gross Maciej Lewandowski Legal Strategy and Bank Payments and Financial Head of Emerging Executive Director Directorate General Head of Section & Structure Resilience Technology Banking, Payments Statistics, Joint Supervisory Barclays Bank of England RBS and Financial Senior Advisor Team Coordinator Resilience European European Bank of England Central Bank Central Bank

PLUS, HEAR THE LATEST ON William Piquard Peter Smith CUSTOMER AUTHENTICATION | FCA REVIEW | CYBER SECURITY | Managing Director Director of Seneca REGULATION | AND MORE Europe Investment Management Gatecoin FinTechReguLab KEY TOPICS TO BE ADDRESSED ON DAY TWO Day two features a keynote panel discussion on the impact of Brexit and a session from Starling Bank covering building a bank and driving innovation before breaking into two individual work streams Becky Clements Anastasia Dokuchaeva Head of Industry Head of Partnership STREAM ONE: TECHNOLOGY & STREAM TWO: REGULATORY Engagement and ClauseMatch INNOVATION DEVELOPMENTS Payment Change former Metro Bank DISTRIBUTED LEDGER PSD2/OPEN BANKING FINTECH REGTECH ARTIFICIAL INTELLIGENCE COMPLIANCE

KNOWLEDGE PARTNERS: CO-SPONSORS: CPD ACCREDITATION:

#TechRisk www.cefpro.com/techrisk TECHNOLOGY & INNOVATION RISK 2018 | 25-26 SEPTEMBER, 2018 | LONDON

KNOWLEDGE PARTNERS CO-SPONSORS ABOUT THE EVENT

In the past ten years the financial industry has been revolutionised Autorek by multiple technological AutoRek is a global provider of financial advancements. Undoubtedly the controls, data management and landscape is unrecognisable and American Express regulatory reporting software. Our suite several areas of business have American Express will be presenting of solutions include: been improved and enhanced. The demand to keep on top of the at the forthcoming Technology and • Compliance and regulatory reporting technology curve continues to grow Innovation Risk Summit. solutions, including CASS and MiFID as many look for the next big thing. II Transaction Reporting; • Financial control frameworks; The next twelve months are set to • Balance sheet certification/account be especially important as we see a attestation; new wave of technology taking flight. Areas like payments, blockchain, • High-volume data migration; and artificial intelligence, machine Fiserv • Automated cash allocation. learning and crypto currencies are Fiserv drives innovation in Payments, set to be top talking points for 2018. Processing Services, Risk & Compliance, Key benefits from implementing AutoRek With any new form of innovation there are several questions to be Customer & Channel Management and include: answered, including a review of the Insights & Optimisation. A global leader • Mitigating risk of regulatory benefits and potential risks. in financial services technology, Fiserv breaches; is a FORTUNE 500 company and is on • Real time insight into status and To discuss the latest industry trends the FORTUNE Magazine “World’s Most exposure; join us on 25-26 September, 2018 Admired Companies®” list. • Reduced dependency on manual in London at our highly anticipated Technology & Innovation Risk Our solutions deliver intelligent processing; Summit. The two day Summit will experiences in banking, payments, • Single repository for control address emerging advances in engagement and security – experiences frameworks and data management; technology and innovation and that help more than 12,000 banks, credit • Automated workflow for governance leveraging across financial services. The event will bring together the unions, billers, mortgage lenders and and audit; industries finest to debate and leasing companies, brokerage and • Efficient electronic sign off and discuss some of the latest trends, investment firms, and other business record retention; and opportunities and risks. clients provide financial services at the • Adaptability to meet new regulatory speed of life. Visit fiserv.com to learn requirements. more. Our solutions are purpose-built to improve the quality and efficiency of financial data management, from cost reduction and process efficiency projects, We love the to improving adherence to regulatory reporting requirements. Center for Financial

www.AutoRek.com Professionals because SPONSORSHIP & they bring together EXHIBITION a community of like- Advance your branding, awareness, industry expertise, thought-leadership minded professionals and lead-generation at the upcoming Technology & Innovation Risk 2018. Wiser Funding at very senior levels Wiserfunding is a London-based FinTech Sponsorship and exhibition with The company specialised in assessing the covering both risk Center for Financial Professionals offers unique networking, brand recognition credit risk of small and medium sized and thought-leadership deliverance enterprises (SMEs). Through our online and finance opportunities with senior risk platform, we allow businesses looking Oracle Financial Services professionals from around the world. to obtain finance or lenders and insurers Whether you want full branding across the event or simply a well positioned looking to price the risk of business exhibition stand, our business applicants to get more accurate data development team will tailor the right to make better decisions quicker than package for you. We do everything we ever before. Wiserfunding provides can to help you get your marketing SMEs across Europe with a credit score message across and also to benchmark BRING THE TEAM the return on your investment. based on past financial history and a 3RD ATTENDEE GETS 50% OFF range of publicly available structured and when registering at the same time There are a limited number of reduced unstructured data. sale prices for FinTech Start-ups. 50% To see if your organisation qualifies 1 2 OFF please email [email protected]

#TechRisk www.cefpro.com/techrisk TECHNOLOGY & INNOVATION RISK 2018 | 25-26 SEPTEMBER, 2018 | LONDON AGENDA DAY ONE | 25 SEPTEMBER

08:10 REGISTRATION AND BREAKFAST PANEL DISCUSSION - INFRASTRUCTURE 13:50 Developing infrastructure, technology, process and people to enhance innovation and ensure adaptability 08:50 CHAIR’S OPENING REMARKS • Patchwork of various acquisitions and add-ons Moderated by: Hugh Burden, Head of Banking, AutoRek • Difficulty extracting data and implementing new products • Developing IT infrastructure • Current infrastructure patchwork of acquisitions NEW TECHNOLOGY • Cost implications to upgrade systems and risk considerations 9:00 Filtering new technology: Navigating the waters of new • Moving from legacy systems and hardware into cloud environments opportunities and making strategic business decisions to leverage • Unlocking value and using in financial institutions technology • Getting value out of new and emerging technology • Application in practice to leverage opportunity • How will the new payments architecture influence the way we • Filtering technologies and knowing where to apply them innovate • Defining tangible business cases and technology choices as a result • Turning into a practical, realisable opportunity for banks Craig Ramsay, Global Head of Innovation, GLCM, HSBC • Maturity of different technologies and organisations Becky Clements, Head of Industry Engagement and Payment Change, • Dimensions to assess decision making former Metro Bank • Investment decisions for large institutions used to multiyear Matt Glover, Head of Transformation, Unity Trust Bank plc enterprise wide investments • Governance and assessment criteria going against corporate structures REGULATION 14:40 The fourth industrial revolution and what it might mean for Richard Crook, Head of Emerging Technology, RBS the regulatory environment in the financial services space • Latest regulatory updates/trends • A strategic approach to regulatory compliance • RegTech & FinTech 09:40 FCA Review into the latest trends and developments within • Complying to multiple rules and regimes technology and innovation • Working across multiple jurisdictions • Work with the Global Sandbox • Leveraging resources from other areas • Artificial intelligence • Keeping ahead of the curve whilst meeting regulatory demand • Machine learning • Future outcomes and predications • How the FCA encourages innovation Beate Born, ED, Global MiFID II Project Lead, UBS Bob Ferguson, Head of Department, Strategy & Competition Division, FCA 15:20 AFTERNOON REFRESHMENT BREAK AND NETWORKING

10:20 MORNING REFRESHMENT BREAK AND NETWORKING PANEL DISCUSSION – BIG DATA 15:50 Advancing strategic thinking and integrating data sets to 10:50 Real-time gross settlement (RTGS) renewal: Enabling the next enhance decision making and KYC generation of payments • Integrating data sets at banks vs. FinTechs • Supporting settlement across innovative payment technologies: • Changing strategic thinking and the way banks do business A proof of concept • Collaboration with FinTechs • Expanding access to enhance financial stability and promote • Making better decisions with what is learnt about customers competition • Aggregation of accounts and analyse spending • Driving innovation, harmonisation and resilience through the • Using data as a predictor of credit rating implementation of ISO 20022 Nadeem Siam, CEO, Welendus Victoria Cleland, Executive Director Banking, Payments and Financial Maciej Lewandowski, Head of Section & Joint Supervisory Team Resilience, Bank of England Coordinator, European Central Bank Nicole Sandler, Lead Innovation Council, Barclays

DIGITAL INFRASTRUCTURE 11:30 Review and analysis of building a digital infrastructure CUSTOMER AUTHENTICATION 16:40 New techniques to increase customer identification and Francis Gross, Directorate General Statistics, Senior Advisor, authentication to increase security and protect sensitive data • Fraud perspective – use identity to open online-banking European Central Bank • Accuracy of devices and user experience • Machine vs. human • Cloud vs. on-brand data centre 12:10 LUNCH BREAK AND NETWORKING • What are of authenticators and images: • Biometrics, card and readers, voice biometrics etc. 13:10 Tackling sophisticated payment fraud and cyber crime in the age of digital access and real-time payments Robert Woods, Strategic Fraud Prevention Initiatives, • Combating the growing risk of account take over, payment fraud & Lloyds Banking Group cyber threats in the context of global real-time payments • Leveraging behavioural analytics to prevent fraud • How to build cyber resilience in order to respond, recover and 17:20 CHAIR’S CLOSING REMARKS adapt • Protecting your business from financial crime attacks and risk • Payment landscape 17:30 END OF DAY ONE AND • Fraud landscape NETWORKING DRINKS RECEPTION • Faster payments • Leveraging data in fraud prevention

Andrew Davies, VP, Global Market Strategy, Financial Crime Risk Management (FCRM), Fiserv

#TechRisk www.cefpro.com/techrisk TECHNOLOGY & INNOVATION RISK 2018 | 25-26 SEPTEMBER, 2018 | LONDON

AGENDA DAY TWO | 26 SEPTEMBER

08:15 REGISTRATION AND BREAKFAST

08:50 CHAIR’S OPENING REMARKS Gabriele Sabato, Co-founder and CEO, Wiserfunding

PANEL DISCUSSION – BREXIT 09:00 Assessing the impact of Brexit on the industry and regulatory requirements post Brexit What happens to these post Brexit; GDPR & PSD2? What a hard Brexit could mean for the industry Impacts on technology and innovation Product availability across Europe Tatjana Christians, Head of Brexit Execution, Legal Strategy and Bank Structure, Barclays

KEYNOTE ADDRESS – BUILDING A BANK 9:50 Building a bank and driving innovation: Case study on how starling was created & the next steps Building a Bank from scratch Creating an innovation agenda & maintaining that culture while growing What next Julian Sawyer, Chief Operating Officer,Starling Bank

10:30 MORNING REFRESHMENT BREAK AND NETWORKING

STREAM ONE STREAM TWO TECHNOLOGY & INNOVATION REGULATORY DEVELOPMENTS Moderated by: Gabriele Sabato, Co-founder and CEO, Moderated by: Adam Gagen, Vice President Government Affairs, Wiserfunding American Express

DISTRIBUTED LEDGER 11:00 Reviewing the opportunities and potential use cases of 11:00 Nine months after PSD2-Day: an update from the EBA distributed ledger technology and its impact on the banking • Progress update industry • EBA guidelines on fraud reporting • Opportunities available with emerging technology • EBA guidelines on NCA’s assessment of the exemption to the • Heightened risk fallback • Getting value out of AI through DL • The EBA Register • Trust of banks is replaced by new technology providers • Potential, practical and further use opportunities Dr Dirk Haubrich, Head of Conduct, Payments and Consumers, • Encounters to date and foresight on the horizon European Banking Authority • Brand replicated through technology rather than legacy • Opportunities created by FinTechs • Integrating capabilities into bigger organisations

William Piquard, Managing Director Europe, Gatecoin

PANEL DISCUSSION - ARTIFICIAL INTELLIGENCE PANEL DISCUSSION – PSD2 11:40 Assessing the use of artificial intelligence across the 11:40 Analysing the post implementation impacts of PSD2 and industry to enhance banking practices and efficiency open banking, and lessons learnt • Impact on real economy and market developments • Developments and impact on business models and industry • Balancing efficiency of processes and costs • Banks and tech providers getting the most out of new • Using AI to personalise the service offered to customers environment effectively • Do customers understand the ramifications of PSD2 and • Self-learning algorithms screen-scraping • Limiting learning: structuring to learn only wanted • Impact on range of business models across new and older areas and limiting side effects banks • Oversight and supervision • Challenging and changing banks and FinTech models • When can AI replace human logic and interaction • Potential uses for initial customer contact David Ballaschk, Senior Payments Expert, Deutsche Bundesbank • How will AI, Machine learning & robotics be regulated pre & Nadeem Siam, Founder & CEO, Welendus post brexit? Nick White, VP, Product and Marketing EMEA, Fiserv • What impacts to robotics & AI profiling will GDPR have? Lee McNabb, Payment Innovation and Strategy Consultant, Payments, NatWest Peter Smith, Director of Seneca Investment Management, FinTechReguLab Gabriele Sabato, Co-founder and CEO, Wiserfunding Vikas Munshi, Lead Platform Architect – Data Analytics and Machine Learning, ING Bank

12:30 LUNCH BREAK AND NETWORKING

#TechRisk www.cefpro.com/techrisk TECHNOLOGY & INNOVATION RISK 2018 | 25-26 SEPTEMBER, 2018 | LONDON

STREAM ONE STREAM TWO TECHNOLOGY & INNOVATION REGULATORY DEVELOPMENTS

FINTECH PSD2/OPEN BANKING 13:30 FinTech competition: The potential disruption to the 13:30 PSD2: what does it mean to fully implement an open industry with FinTechs challenging traditional models banking system? • Are FinTech models economically viable? • Impact of Brexit – what next for PSD2 & allied regulation. • Moving as fast as challenger FinTechs Whats on the horizon for payments? • Smaller, agile businesses • Development of APIs • New levels of competition • API – opportunity to increase customer experience can financial • Ability of smaller start-ups to create scale advisers get in on the act? • What kind of features do APIs need to have to meet needs? • Structuring preparation for innovation

Peter Smith, Director of Seneca Investment Management, FinTechReguLab

14:10 Monetising on collaborative partnerships with FinTechs REGULATION and utilising opportunities to develop innovation 14:10 Assessing the changing regulatory landscape and the • Innovation perspective impact of global and jurisdictional variations • Partner with FinTechs based on specific customer need • Jurisdictional deviation • Can opportunities with FinTechs be monetised? • Increasing global harmonisation • Working with FinTech start-ups and new technologies • Changes across borders regarding to global payments • Practicalities and implementation • Landmark approach cross country and jurisdiction • Moving into markets from an innovation perspective • Security financial transaction regulation, simple transparent • Mobilising organisations to be more nimble securitisation, EMEA refit and fitness checks • Further implementation of the G20 Pittsburgh Directive: Craig Ramsay, Global Head of Innovation, GLCM, HSBC Transparency and risk litigation

Dawd Haque, Market Initiatives, Regulatory Transformation & Strategy, Deutsche Bank

14:50 AFTERNOON REFRESHMENT BREAK AND NETWORKING

DECENTRALIZED PRIVACY COMPLIANCE 15:20 The decentralised privacy conundrum: How to reconcile 15:20 Reviewing the ability to navigate and prosper through the need for confidentiality and transparency regulatory change and balancing innovation with compliance • Confidentiality in decentralised projects • What does it mean to run an effective organisation with all • Total anonymity versus complete openness regulatory changes • Legal restrictions and adoption • Updating regulation alongside new emerging technology • How to solve the antithesis between privacy and transparency • Machine-learning and self-learning algorithm – is it always in • Roadmap to compliant security token offerings line with regulation? Does it need reviewing constantly? • Adapting to the new environment with FinTechs and banks Emanuele Francioni, Project and Tech Lead, Dusk • Regulating FinTechs • Prioritising and planning with influx of enforced regulatory changes coming through

Anastasia Dokuchaeva, Head of Partnerships, ClauseMatch

MACHINE LEARNING 16:00 Leveraging machine learning technology to advance data 16:00 What does it mean to run an effective financial analytics and customer interaction institution? Balancing business and regulation • Data analytics – augmenting with humans • Following regulation and preparing for future changes • Improving human interaction rather than replacing • Principles to prepare themselves • Data and analytics for machine learning • Managing in institutions with legacy systems • Making humans better rather than replacing them

Vikas Munshi, Lead Platform Architect – Data Analytics and Machine Learning, ING

16:40 CHAIR’S CLOSING REMARKS

16:50 END OF SUMMIT

#TechRisk www.cefpro.com/techrisk TECHNOLOGY & INNOVATION RISK 2018 | 25-26 SEPTEMBER, 2018 | LONDON

Bob Ferguson Vikas Munshi David Ballaschk Head of Department, Lead Platform Architect Senior Payments Expert Strategy & – Data Analytics and Deutsche Bundesbank Competition Division Machine Learning FCA ING

Beate Born ED, Global MiFID II Emanuele Francioni William Piquard Project Lead Project and Tech Lead Managing Director Europe UBS Dusk Gatecoin Limited

Adam Gagen Craig Ramsay Hugh Burden Vice President Global Head of Head of Banking Government Affairs Innovation, GLCM AutoRek American Express HSBC

Tatjana Christians Head of Brexit Execution, Matt Glover Gabriele Sabato Legal Strategy and Head of Transformation Co-founder and CEO Bank Structure Unity Trust Bank Wiserfunding Barclays

Victoria Cleland Executive Director Francis Gross Nicole Sandler Directorate General Banking, Payments and Lead Council Innovation Statistics, Senior Advisor Financial Resilience Barclays Bank of England Europen Central Bank

Dawd Haque Becky Clements Market Initiatives, Head of Industry Regulatory Julian Sawyer Engagement and Transformation Chief Operating Officer Payment Change & Strategy Starling Bank former Metro Bank Deutsche Bank

Dr Dirk Haubrich Richard Crook Head of Conduct, Head of Emerging Nadeem Siam Payments and Consumers Founder & CEO Technology European Banking Welendus RBS Authority

Andrew Davies Maciej Lewandowski VP, Global Market Head of Section & Peter Smith Strategy, Financial Crime Joint Supervisory Team Director of Seneca Risk Management (FCRM) Coordinator Investment Management Fiserv European Central Bank FinTechReguLab

Lee McNabb Nick White Anastasia Dokuchaeva Payment Innovation VP, Product and Head of Partnerships and Strategy Marketing EMEA ClauseMatch Consultant, Payments Fiserv NatWest

Robert Woods Charlotte Duerden BRING THE TEAM Strategic Fraud Managing Director UK 3RD ATTENDEE GETS 50% OFF Prevention Initiatives American Express when registering at the same time Lloyds Banking Group

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