Jonathan Gole, Senior Director Business Analytics & Product Management Capital One Jon works in Capital One’s credit card business, leading agile development efforts with software engineers, data scientists, and data analysts. His teams are focused on transforming Capital One’s operational underwriting systems, introducing new big and fast data analytics capabilities in the cloud, and developing ML-based prediction systems to protect our customers and shareholders.  Jon has worked at Capital One for over seven years in a variety of roles focused on managing credit risk and improving customer experiences.

Akshay Krishnaiah, Founder/CEO teller. teller is a YC startup and is rethinking banking for the Gig Economy.  nPrior to teller Akshay headed Product for PayPal Research Labs, PayPal’s premier innovation group responsible for cutting edge innovations that today enable commerce on Social platforms such as Facebook, Google & Pinterest.  Akshay is widely recognized as PayPal’s leading innovator and inventor, he has spent the last decade innovating at  the intersection of Finance, Technology & Commerce. His proprietary framework of Economics-Ecosystem-Experience is used to this day at PayPal & eBay to deliver practical innovations.

Victoria Cheng Senior VP Venture Investing CITI Ventures Victoria invests in startups developing new technologies that improve the way we do things today. She covers commerce, financial technology, marketing technologies, data and enterprise IT. Victoria is particularly fascinated by companies leveraging mobile to create the next generation of financial services experiences.  Victoria was previously with Core VC investing in Fintech. Prior to that, Victoria consulted for NYCSeed and Foundation Capital. While in grad school, she worked at NimbleTV, a startup streaming live television to any screen. Victoria was previously a Private Equity investor at HIG Capital, and worked at Citi, advising companies on capital raises, M&A, JVs, and IPOs.  Victoria has an MBA from Columbia University, where she graduated with honors, and a BS from Georgetown University, where she graduated magna cum laude. Victoria has traveled to >35 countries and loves discovering new cultures, foods, and tech innovations. Victoria is a Kauffman Fellow, a mentor to various incubators, and an advisor to the InSITE Fellowship.

Rohit Bodas, Partner Propel Venture Partners. Rohit leads Propel’s international fund and is looking to partner with entrepreneurs building transformational companies that impact financial services.  Rohit joined Propel from American Express Ventures, which he helped launch in 2011. He has invested in a wide range of areas such as data analytics, AI, enterprise security, payments, and digital commerce. He also led and managed Amex Ventures’ international investments in Europe, Latin America, India, and Asia Pacific. Representative investments include inAuth (acquired), Enigma, Plaid, Signifyd, Trulioo, Persado, Capillary Technologies, IndiaLends and Clip. Prior to American Express Ventures, Rohit helped launch Hartford Ventures and led investments in ChargePoint and Driverside (acquired).  Earlier in his career Rohit held various positions at Motorola in R&D, business development, and its ventures division. He has developed key mobile video and security technologies and holds seven US patents.

Sumeet Ajmani, General Counsel Nova Credit Inc  Nova Credit is the world’s premier cross-border credit bureau, where Sumeet leads Nova Credit’s US and international legal, regulatory and compliance efforts. Prior to joining, Sumeet led the Legal and Compliance functions at Credit Karma, helping advise as the company provided consumer’s access to free credit scores and reports, educational information and targeted financial products. He also served as an attorney at the Board of Governors for the Federal Reserve System from 2010-2014, providing a broad range of legal counseling on matters in the areas of data management, compliance with federal information security standards and banking regulation. Before pursuing his legal career, Sumeet worked as an Analytic Consultant at FICO, leading analytical design and development efforts on credit and insurance risk scoring models. Sumeet obtained his J.D. from Berkeley School of Law and a B.S. in Management Science & Engineering from Stanford University.

Brad Pennington , CRO Prosper Marketplace. In this role, he is responsible for overseeing all of the elements of the loan product, including pricing, underwriting strategy, credit policy, verification strategy, loss-forecasting, model development, model governance and new risk product development. Brad joined Prosper in 2012 and was instrumental to the development of Prosper’s rating systems, automated strategies and cutting edge monitoring systems. He has held roles with an increasingly broad set of responsibilities during his tenure with Prosper and he brings more than 10 years of experience in risk management and applied analysis. Prior to joining Prosper, Brad was a Credit Risk consultant with Moody’s Analytics where he worked with large global and U.S. clients focusing on Economic Capital, Basel Compliance and PD, LGD and EAD model development.  He began his risk career designing the automated underwriting and pricing strategies at First Equity Card; a small-business credit card specialty finance start-up. Brad obtained his B.S in Economics from the Wharton Undergraduate School where he completed a self-directed course of study, obtaining minors in Finance, Statistics, Mathematics, Econometrics and Operations Research.

Moderator: Mark Crager, Principal/Founder Next Stage Partners, a firm that partners with early-stage Fintech companies and Financial Institutions to develop strategy and implement new products and services in the payments space.  Prior to NSP, he held several executive positions at Visa Inc. resulting in the launch of multiple products and significant development of key industries.  He has a proven track record of moving products from concept to full commercialization in consumer and B2B environments. Prior to his career at Visa, Mark launched new divisions for Sony, J&J and Nestle.  Additionally, Mark maintains a Member Board Advisor position with StartX, the Stanford University incubator for fintech startups and other growth industries.

Pemo Theodore

Pemo Theodore is a Media Publisher & Event Producer and a great people connector.. She is Founder/CEO Silicon Valley TV which has served the San Francisco Bay Area for 11 years! She has produced Silicon Valley Events for Investors & Startups for 9 years. Pemo loves to video interview venture capitalists & founders to engage the human behind the success stories.. She has been Executive Producer of FinTech Silicon Valley for 5 years, organizing twice monthly FinTech talks & panels in San Francisco & Palo Alto. She believes in learning through a great discussion with experts in the domains. Pemo has a talent to bring the right people together and is an incredible networker. Pemo's events have been seen as supporting Venture Capitalists & Angels in sourcing great deal flow from startups who attend her events. Many founders have received funding through meeting investors at her events. Her favored medium is visual media and she has built up a great body of work of videos of panels & interviews in Silicon Valley.startup ecosystem.

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