Pablo Abreu is Chief AI & Innovation Officer at Socure, where he leads the company's AI, data, and identity intelligence strategy. He is responsible for advancing Socure's Global Identity Graph, core modeling architecture, and next-generation agent-powered identity and risk systems.Over more than a decade at Socure, Abreu has played a central role in scaling the company from inception into a market leader in digital identity, helping drive growth to over $300M in ARR. He is the architect behind several of Socure's 20 AI-driven core products and innovations and holds more than eight granted patent families in identity and fraud.Prior to Socure, he held data science leadership roles at JPMorgan Chase and Verizon Wireless, focusing on predictive analytics and risk systems.

Ash retired from American Express in 2018 after 40 years of continuous service and for many years was the company’s Chief Risk Officer. In this role, he led the company well through the Great Recession. Most recently, he served as the President of Global Credit Risk and Information management – a team of over 1,000 data scientists - bringing Big Data, Machine Learning and AI into Amex’ DNA across marketing, risk management and servicing. Earlier, he was the Chairman and CEO of the Company’s U.S. banks, overseeing $75+ billion assets.Following retirement from American Express, Ash has taken a role in serving companies focused on Payments and AI. Currently, he is Chair of Compensation Committee for Encore Capital Group (NASDAQ: ECPG); Chair (and co-founder) for Corridor Platforms Inc.; and an Advisor to, Global Consulting firm - Oliver Wyman. Previously, he served as a board member and Audit committee chair for Symphony Teleca Corporation (sold to Harman International in 2015).Ash has an MBA from Columbia University and a B. Tech in engineering from IIT Delhi (distinguished alumni, 2006). Ash serves on the (non-profit) boards for Big Brothers and Big Sisters of New York, National Association of Corporate Directors (New York Chapter). He and his wife reside in New York City.

As Head of Fraud Strategy at Cambridge Savings Bank, Doug Mihalow leads enterprise fraud strategy initiatives that protect both Cambridge Savings Bank and its digital banking brand, Ivy Bank. He is responsible for fraud strategy across consumer, small business, and commercial banking, with a focus on digital channels and customer experience. Doug previously served as Executive Director of Fraud Strategy at Jenius Bank and Senior Director of Credit & Fraud Strategy at Best Egg. He holds an MBA from the University of Phoenix, a BS in Marketing from Saint Joseph's University, and advises FairPlay.ai on responsible risk and decisioning practices.

Chris Wheat is a Managing Director at JPMorganChase & Co. and President of the JPMorganChase Institute. The Institute’s recent work has focused on helping policymakers understand how consumers, workers, homeowners, business owners, and investors are responding in a dynamically evolving economic policy environment. Chris’ work has been cited by federal and local policymakers and covered by major national and local media outlets. He serves on the board of the Association for Enterprise Opportunity and regularly joins industry leaders and other experts as an economic policy advisor. He was previously a faculty member at the MIT Sloan School of Management and at the Center for Urban Entrepreneurship & Economic Development at Rutgers Business School. He earned a B.S.E. in mechanical and aerospace engineering from Princeton University, an M.S. in computer science from Stanford University, an M.A. in sociology from Harvard University, and a Ph.D. in organizational behavior from Harvard University.

Xi Wang is Chief Credit Officer at Seen, where he leads credit risk strategy, portfolio management, and fraud strategy. He is responsible for balancing risk management, customer access, and profitable growth across the credit lifecycle, with a focus on building high-velocity decisioning capabilities that support disciplined and sustainable expansion.

Xi has more than 15 years of experience in credit and fintech, including leadership roles at Discover and Avant. His work centers on applying data and cash-flow intelligence to improve credit decisions, identify emerging first-party fraud signals, and enhance portfolio profitability. He holds a Master of Science in Statistics from the University of Georgia and is an alumnus of Peking University.

Jennifer Miller is the Global Head of Banking and Payments GTM at Databricks, where she leads go-to-market strategy for banking and payments institutions. Before joining Databricks, she spent 17 years in the banking industry in senior roles at U.S. Bank and Wells Fargo, giving her firsthand insight into the operational and data challenges facing modern financial institutions. At Databricks, Jennifer partners with banks, payments companies, and fintechs to unify fragmented data estates and deploy governed, production-ready AI for use cases spanning fraud detection, underwriting, and customer experience. She is a frequent speaker and thought leader on the future of banking and payments, exploring how AI and unified data are reshaping bank economics, credit decisioning, and the shift toward a more flexible, real-time financial system.

Juan Hernandez is the Head of Credit & Underwriting at Block, where he leads credit strategy, automation, and portfolio risk across the company's consumer lending products, including Cash App and Afterpay. His team builds real-time, machine learning-driven systems designed to expand access to fair and transparent credit for millions of customers traditionally underserved by the financial system.


Juan brings over a decade of experience at the intersection of machine learning, AI research, and credit risk. He joined Square in 2015 as a Technical Lead in Data Science, where he built the automated decisioning algorithms (customer eligibility, offer sizing, and price optimization) that power Square Capital's multi-billion-dollar commercial lending business. He went on to extend ML-driven credit risk solutions across the Square ecosystem before moving to the company's ML Platform team, where he conducted applied AI research and built frameworks used by data scientists company-wide, including pioneering work on ML prediction explanations using generative adversarial networks.

In 2019, Juan transitioned to Cash App as a Staff Machine Learning Engineer before rising to Senior Director of Machine Learning, leading a horizontal ML team responsible for underwriting and credit risk management across Cash App and Afterpay.



Prior to Block, Juan was a Data Scientist at FICO, where he applied machine learning to consumer and commercial finance problems and shipped FICO's first cloud-hosted ML model. He was also a Research Fellow at UC Berkeley, where he received a grant from the Digital Humanities group to explore recurrent neural networks for music composition, work he later presented as a guest lecturer at the Berkeley Institute for Data Science (BIDS).



Juan holds a degree from Northwestern University and is based in the San Francisco Bay Area.

Akaash Gupta leads the tenant screening business at Nova Credit, which provides over 7 million units with solutions across credit assessment, income verification, and fraud detection. Integrated with industry-leading property management platforms - including Yardi, AppFolio, Entrata, and MRI - his team helps property owners and managers fairly assess applicants and protect against fraud, while maintaining a positive renter experience. Previously, he has worked in partnerships and operations for single-family rentals and in private equity investments.

Jeffrey Reitman is the Founder and General Partner of Entropy Ventures, a venture firm investing out of Fund I into early-stage B2B , fintech, applied AI, and crypto infrastructure startups. Prior to starting Entropy, he was a General Partner at Canapi Ventures and a founding team member at Nyca Partners.

Over more than a decade in venture, Jeff has backed notable companies including Blend, Brigit, Built Technologies, Nova Credit, Roofstock, Sentilink, Superstate, and Thoropass, among many others. He began his career as a CTO and co-founder of GXStudios, a company that produced massively multiplayer, team-based online games.

Jeff holds an MBA from the Wharton School and a BS in Biomedical Engineering from Yale University.

Greg Jacobi leads the Banking Advisory practice at Anthropic. A 20-year veteran of financial services, he’s built systems, run teams, and owned P&Ls—from engineering core platforms to leading Salesforce’s Banking and Lending business. At Anthropic, he’s working to ensure banks can move at the speed of AI without leaving trust behind.

Hans Morris is the managing partner of Nyca Partners, a fintech VC in New York and San Francisco, founded in 2014. Nyca has over 80 active investments and is currently investing from its fifth fund. He has been a director of 5 public companies, including Payoneer, KCG, and AvidXchange, and was the chair of the board of Lending Club from 2016 to 2026. He is currently a board member of several private companies, including Duetti, Thought Machine, SentiLink, Astrada, and Propel.

From 2010 to 2014, he was a managing director at General Atlantic, a global growth equity firm. From 2007 until 2010, he served as president of Visa Inc., and from 1980 until 2007, he worked at Citigroup in several operating and management roles, including CFO and head of finance, technology, and operations for Citi’s institutional businesses, COO of the investment bank, and head of the global financial services group at Salomon Smith Barney.

He is a trustee of the Public Theater in New York and a former chairman of the boards of MASS MoCA and the Hopkins Center for the Arts at Dartmouth. He graduated from Dartmouth College.

Jen Glaspie Lundstrom is Nova Credit's new Head of Lending, bringing more than 20 years of experience in strategy, general management, and product, with deep expertise at the intersection of payments, credit, and loyalty.Most recently, Jen was co-founder and CEO of Tandym, a fintech reimagining branded payments to boost merchant profits and reward customers. Before Tandym, she spent seven years at Capital One, where she held Managing Vice President roles leading Product and Technology as well as Partnerships. Earlier in her career, she was a Principal at The Boston Consulting Group,founder and CEO of Aphira, and Consultant at Bain & Company.Jen holds an MBA from Northwestern University's Kellogg School of Management and a BBA from the University of Michigan.

Debtosh Banerjee is the President of Seen Finance, bringing extensive expertise in consumer lending and fintech transformation. Seen Finance is a fintech that in partnership with a partner bank provides Credit Cards directly to consumers. Prior to joining Seen, he served as Senior Vice President and Head of Card and Banking at Avant, a high-growth financial technology company, after spending more than decade in US Bank and HSBC. Debtosh has a Master degree from University of Chicago and Bachelor degree from West Bengal University of Technology.

Nikki Cross is the Senior Director of Data Science Solutions at Nova Credit, a leading credit infrastructure and analytics company specializing in cash flow underwriting. She empowers financial institutions to leverage consumer-permissioned data to expand credit access responsibly.With over 15 years of experience in financial services, Cross brings expertise from both lender and vendor perspectives. She is a recognized thought leader in cash flow underwriting, frequently speaking at industry conferences on alternative credit data and implementation best practices.Prior to Nova Credit, Cross held senior data science roles at Mission Lane, LendUp, and TransUnion, and spent nearly a decade at Capital One in analytical and consulting roles. She holds a Master's degree in Analytics and a B.S. in Applied Mathematics from Georgia Institute of Technology. Cross is passionate about using advanced analytics to create more inclusive financial systems and expand responsible credit access.

Mr. Wasik is a Partner for 2^nd Order Solutions (2OS), a leading credit risk advisory firm. Over his 30 years in financial services, he has developed deep expertise in strategy, credit, operations, and loss forecasting.

As a Partner for 2OS, he has consulted to many lenders in improving their credit practices and capabilities. He has led multiple recent engagements with top 20 banks to significantly improve their Collections efforts and has led more than 50 engagements, spanning the full credit lifecycle.

Prior to joining 2OS, Mr. Wasik was at Capital One, where he led collections and recoveries for Capital One’s card and personal loan business during the Great Recession, led Capital One’s small business card portfolio (#2 VISA/MC issuer), and was one of a handful of senior credit officers.

Mr. Wasik graduated from Duke University and now lives in Richmond, Virginia.

Paul LaRusso is the CEO of Akoya, a tech platform that help fintechs and financial institutions give consumers greater control over their data.  Akoya was created​ to accelerate the availability of secure and reliable data access for the entire financial services industry.

Before leading Akoya, Paul was at JPMorgan Chase overseeing the firm’s open banking strategy. He developed the infrastructure to deliver secure data sharing for millions of customers. Paul held other senior leadership roles at JPMorgan Chase, including Head of Product for Digital Servicing, managing Chase’s digital communications and servicing products, and as Product Owner for Mobile, spearheading the strategy and launch of Chase’s first mobile banking apps. Paul also played a key role in creating industry standards as the Board Co-Chair of the Financial Data Exchange.

Paul holds an MBA from Georgetown University and a BA from Bucknell University.

Chris Hansen is the General Manager of Strategic Partnerships and Alliances at Nova Credit, where he leads the development of product partnerships, channel partnerships, and net new vertical expansion. Under his leadership, Nova Credit has partnered with major financial institutions like SoFi and MoneyLion to increase approvals while maintaining the same level of risk.

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Chris is a trailblazer in open banking and financial inclusion. He previously founded a fintech company focused on payroll data connectivity, and held leadership roles at New American Funding, STRATIM, and AOL.

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Chris holds a Bachelor of Business Administration from the University of San Diego and is passionate about creating more inclusive financial access through innovative credit infrastructure.

Misha Esipov is the Founder and CEO of Nova Credit, the industry's leading cash flow intelligence platform. The company leverages its industry-leading data infrastructure, intelligence layer, & FCRA-compliance to boost credit approvals, automate verifications, fight fraud, drive responsible growth, and more. Nova Credit supports over 7,000 businesses including organizations such as Chase, HSBC, SoFi, Appfolio, and Yardi, with a growing suite of products. The company is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, Canapi and First Round Capital.

Before founding Nova Credit, Misha was a private equity investor at Apollo Global Management, a $1 trillion global alternative asset manager. Misha started his career at Goldman Sachs, where he helped execute more than $10 billion in corporate financing, mergers, and acquisitions. Misha holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business.

Alex Johnson is the founder of Fintech Takes, a media brand focused on the intersection of financial services, technology, and public policy. Alex has 20+ years of experience in financial services (focused on lending and credit decisioning) with stops at FICO and Zoot Enterprises.

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Pablo Abreu is Chief AI & Innovation Officer at Socure, where he leads the company's AI, data, and identity intelligence strategy. He is responsible for advancing Socure's Global Identity Graph, core modeling architecture, and next-generation agent-powered identity and risk systems.Over more than a decade at Socure, Abreu has played a central role in scaling the company from inception into a market leader in digital identity, helping drive growth to over $300M in ARR. He is the architect behind several of Socure's 20 AI-driven core products and innovations and holds more than eight granted patent families in identity and fraud.Prior to Socure, he held data science leadership roles at JPMorgan Chase and Verizon Wireless, focusing on predictive analytics and risk systems.

Ash retired from American Express in 2018 after 40 years of continuous service and for many years was the company’s Chief Risk Officer. In this role, he led the company well through the Great Recession. Most recently, he served as the President of Global Credit Risk and Information management – a team of over 1,000 data scientists - bringing Big Data, Machine Learning and AI into Amex’ DNA across marketing, risk management and servicing. Earlier, he was the Chairman and CEO of the Company’s U.S. banks, overseeing $75+ billion assets.Following retirement from American Express, Ash has taken a role in serving companies focused on Payments and AI. Currently, he is Chair of Compensation Committee for Encore Capital Group (NASDAQ: ECPG); Chair (and co-founder) for Corridor Platforms Inc.; and an Advisor to, Global Consulting firm - Oliver Wyman. Previously, he served as a board member and Audit committee chair for Symphony Teleca Corporation (sold to Harman International in 2015).Ash has an MBA from Columbia University and a B. Tech in engineering from IIT Delhi (distinguished alumni, 2006). Ash serves on the (non-profit) boards for Big Brothers and Big Sisters of New York, National Association of Corporate Directors (New York Chapter). He and his wife reside in New York City.

As Head of Fraud Strategy at Cambridge Savings Bank, Doug Mihalow leads enterprise fraud strategy initiatives that protect both Cambridge Savings Bank and its digital banking brand, Ivy Bank. He is responsible for fraud strategy across consumer, small business, and commercial banking, with a focus on digital channels and customer experience. Doug previously served as Executive Director of Fraud Strategy at Jenius Bank and Senior Director of Credit & Fraud Strategy at Best Egg. He holds an MBA from the University of Phoenix, a BS in Marketing from Saint Joseph's University, and advises FairPlay.ai on responsible risk and decisioning practices.

Chris Wheat is a Managing Director at JPMorganChase & Co. and President of the JPMorganChase Institute. The Institute’s recent work has focused on helping policymakers understand how consumers, workers, homeowners, business owners, and investors are responding in a dynamically evolving economic policy environment. Chris’ work has been cited by federal and local policymakers and covered by major national and local media outlets. He serves on the board of the Association for Enterprise Opportunity and regularly joins industry leaders and other experts as an economic policy advisor. He was previously a faculty member at the MIT Sloan School of Management and at the Center for Urban Entrepreneurship & Economic Development at Rutgers Business School. He earned a B.S.E. in mechanical and aerospace engineering from Princeton University, an M.S. in computer science from Stanford University, an M.A. in sociology from Harvard University, and a Ph.D. in organizational behavior from Harvard University.

Xi Wang is Chief Credit Officer at Seen, where he leads credit risk strategy, portfolio management, and fraud strategy. He is responsible for balancing risk management, customer access, and profitable growth across the credit lifecycle, with a focus on building high-velocity decisioning capabilities that support disciplined and sustainable expansion.

Xi has more than 15 years of experience in credit and fintech, including leadership roles at Discover and Avant. His work centers on applying data and cash-flow intelligence to improve credit decisions, identify emerging first-party fraud signals, and enhance portfolio profitability. He holds a Master of Science in Statistics from the University of Georgia and is an alumnus of Peking University.

Jennifer Miller is the Global Head of Banking and Payments GTM at Databricks, where she leads go-to-market strategy for banking and payments institutions. Before joining Databricks, she spent 17 years in the banking industry in senior roles at U.S. Bank and Wells Fargo, giving her firsthand insight into the operational and data challenges facing modern financial institutions. At Databricks, Jennifer partners with banks, payments companies, and fintechs to unify fragmented data estates and deploy governed, production-ready AI for use cases spanning fraud detection, underwriting, and customer experience. She is a frequent speaker and thought leader on the future of banking and payments, exploring how AI and unified data are reshaping bank economics, credit decisioning, and the shift toward a more flexible, real-time financial system.

Juan Hernandez is the Head of Credit & Underwriting at Block, where he leads credit strategy, automation, and portfolio risk across the company's consumer lending products, including Cash App and Afterpay. His team builds real-time, machine learning-driven systems designed to expand access to fair and transparent credit for millions of customers traditionally underserved by the financial system.


Juan brings over a decade of experience at the intersection of machine learning, AI research, and credit risk. He joined Square in 2015 as a Technical Lead in Data Science, where he built the automated decisioning algorithms (customer eligibility, offer sizing, and price optimization) that power Square Capital's multi-billion-dollar commercial lending business. He went on to extend ML-driven credit risk solutions across the Square ecosystem before moving to the company's ML Platform team, where he conducted applied AI research and built frameworks used by data scientists company-wide, including pioneering work on ML prediction explanations using generative adversarial networks.

In 2019, Juan transitioned to Cash App as a Staff Machine Learning Engineer before rising to Senior Director of Machine Learning, leading a horizontal ML team responsible for underwriting and credit risk management across Cash App and Afterpay.



Prior to Block, Juan was a Data Scientist at FICO, where he applied machine learning to consumer and commercial finance problems and shipped FICO's first cloud-hosted ML model. He was also a Research Fellow at UC Berkeley, where he received a grant from the Digital Humanities group to explore recurrent neural networks for music composition, work he later presented as a guest lecturer at the Berkeley Institute for Data Science (BIDS).



Juan holds a degree from Northwestern University and is based in the San Francisco Bay Area.

Akaash Gupta leads the tenant screening business at Nova Credit, which provides over 7 million units with solutions across credit assessment, income verification, and fraud detection. Integrated with industry-leading property management platforms - including Yardi, AppFolio, Entrata, and MRI - his team helps property owners and managers fairly assess applicants and protect against fraud, while maintaining a positive renter experience. Previously, he has worked in partnerships and operations for single-family rentals and in private equity investments.

Jeffrey Reitman is the Founder and General Partner of Entropy Ventures, a venture firm investing out of Fund I into early-stage B2B , fintech, applied AI, and crypto infrastructure startups. Prior to starting Entropy, he was a General Partner at Canapi Ventures and a founding team member at Nyca Partners.

Over more than a decade in venture, Jeff has backed notable companies including Blend, Brigit, Built Technologies, Nova Credit, Roofstock, Sentilink, Superstate, and Thoropass, among many others. He began his career as a CTO and co-founder of GXStudios, a company that produced massively multiplayer, team-based online games.

Jeff holds an MBA from the Wharton School and a BS in Biomedical Engineering from Yale University.

Greg Jacobi leads the Banking Advisory practice at Anthropic. A 20-year veteran of financial services, he’s built systems, run teams, and owned P&Ls—from engineering core platforms to leading Salesforce’s Banking and Lending business. At Anthropic, he’s working to ensure banks can move at the speed of AI without leaving trust behind.

Hans Morris is the managing partner of Nyca Partners, a fintech VC in New York and San Francisco, founded in 2014. Nyca has over 80 active investments and is currently investing from its fifth fund. He has been a director of 5 public companies, including Payoneer, KCG, and AvidXchange, and was the chair of the board of Lending Club from 2016 to 2026. He is currently a board member of several private companies, including Duetti, Thought Machine, SentiLink, Astrada, and Propel.

From 2010 to 2014, he was a managing director at General Atlantic, a global growth equity firm. From 2007 until 2010, he served as president of Visa Inc., and from 1980 until 2007, he worked at Citigroup in several operating and management roles, including CFO and head of finance, technology, and operations for Citi’s institutional businesses, COO of the investment bank, and head of the global financial services group at Salomon Smith Barney.

He is a trustee of the Public Theater in New York and a former chairman of the boards of MASS MoCA and the Hopkins Center for the Arts at Dartmouth. He graduated from Dartmouth College.

Jen Glaspie Lundstrom is Nova Credit's new Head of Lending, bringing more than 20 years of experience in strategy, general management, and product, with deep expertise at the intersection of payments, credit, and loyalty.Most recently, Jen was co-founder and CEO of Tandym, a fintech reimagining branded payments to boost merchant profits and reward customers. Before Tandym, she spent seven years at Capital One, where she held Managing Vice President roles leading Product and Technology as well as Partnerships. Earlier in her career, she was a Principal at The Boston Consulting Group,founder and CEO of Aphira, and Consultant at Bain & Company.Jen holds an MBA from Northwestern University's Kellogg School of Management and a BBA from the University of Michigan.

Debtosh Banerjee is the President of Seen Finance, bringing extensive expertise in consumer lending and fintech transformation. Seen Finance is a fintech that in partnership with a partner bank provides Credit Cards directly to consumers. Prior to joining Seen, he served as Senior Vice President and Head of Card and Banking at Avant, a high-growth financial technology company, after spending more than decade in US Bank and HSBC. Debtosh has a Master degree from University of Chicago and Bachelor degree from West Bengal University of Technology.

Nikki Cross is the Senior Director of Data Science Solutions at Nova Credit, a leading credit infrastructure and analytics company specializing in cash flow underwriting. She empowers financial institutions to leverage consumer-permissioned data to expand credit access responsibly.With over 15 years of experience in financial services, Cross brings expertise from both lender and vendor perspectives. She is a recognized thought leader in cash flow underwriting, frequently speaking at industry conferences on alternative credit data and implementation best practices.Prior to Nova Credit, Cross held senior data science roles at Mission Lane, LendUp, and TransUnion, and spent nearly a decade at Capital One in analytical and consulting roles. She holds a Master's degree in Analytics and a B.S. in Applied Mathematics from Georgia Institute of Technology. Cross is passionate about using advanced analytics to create more inclusive financial systems and expand responsible credit access.

Mr. Wasik is a Partner for 2^nd Order Solutions (2OS), a leading credit risk advisory firm. Over his 30 years in financial services, he has developed deep expertise in strategy, credit, operations, and loss forecasting.

As a Partner for 2OS, he has consulted to many lenders in improving their credit practices and capabilities. He has led multiple recent engagements with top 20 banks to significantly improve their Collections efforts and has led more than 50 engagements, spanning the full credit lifecycle.

Prior to joining 2OS, Mr. Wasik was at Capital One, where he led collections and recoveries for Capital One’s card and personal loan business during the Great Recession, led Capital One’s small business card portfolio (#2 VISA/MC issuer), and was one of a handful of senior credit officers.

Mr. Wasik graduated from Duke University and now lives in Richmond, Virginia.

Paul LaRusso is the CEO of Akoya, a tech platform that help fintechs and financial institutions give consumers greater control over their data.  Akoya was created​ to accelerate the availability of secure and reliable data access for the entire financial services industry.

Before leading Akoya, Paul was at JPMorgan Chase overseeing the firm’s open banking strategy. He developed the infrastructure to deliver secure data sharing for millions of customers. Paul held other senior leadership roles at JPMorgan Chase, including Head of Product for Digital Servicing, managing Chase’s digital communications and servicing products, and as Product Owner for Mobile, spearheading the strategy and launch of Chase’s first mobile banking apps. Paul also played a key role in creating industry standards as the Board Co-Chair of the Financial Data Exchange.

Paul holds an MBA from Georgetown University and a BA from Bucknell University.

Chris Hansen is the General Manager of Strategic Partnerships and Alliances at Nova Credit, where he leads the development of product partnerships, channel partnerships, and net new vertical expansion. Under his leadership, Nova Credit has partnered with major financial institutions like SoFi and MoneyLion to increase approvals while maintaining the same level of risk.

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Chris is a trailblazer in open banking and financial inclusion. He previously founded a fintech company focused on payroll data connectivity, and held leadership roles at New American Funding, STRATIM, and AOL.

‍

Chris holds a Bachelor of Business Administration from the University of San Diego and is passionate about creating more inclusive financial access through innovative credit infrastructure.

Misha Esipov is the Founder and CEO of Nova Credit, the industry's leading cash flow intelligence platform. The company leverages its industry-leading data infrastructure, intelligence layer, & FCRA-compliance to boost credit approvals, automate verifications, fight fraud, drive responsible growth, and more. Nova Credit supports over 7,000 businesses including organizations such as Chase, HSBC, SoFi, Appfolio, and Yardi, with a growing suite of products. The company is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, Canapi and First Round Capital.

Before founding Nova Credit, Misha was a private equity investor at Apollo Global Management, a $1 trillion global alternative asset manager. Misha started his career at Goldman Sachs, where he helped execute more than $10 billion in corporate financing, mergers, and acquisitions. Misha holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business.

Alex Johnson is the founder of Fintech Takes, a media brand focused on the intersection of financial services, technology, and public policy. Alex has 20+ years of experience in financial services (focused on lending and credit decisioning) with stops at FICO and Zoot Enterprises.

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