FinDEVr Live: Thinking Capital on Using Software for Underwriting, Compliance

THinkingCapitalHomepage | | @ThinkingCapCA

ThinkingCapitalLogoThinking Capital is the leader in the Canadian alternative lending space, leveraging technology to be at the forefront of the fintech industry. Since 2006, the company has helped more than 10,000 small- to medium-sized Canadian businesses reach their full potential. By combining their people and technology, Thinking Capital is transforming the way business owners get the capital they need to grow.

To build or not to build
This Q&A session with Thinking Capital’s Pat Forgione, CTO, and Anthony Lipschitz, CSO, will delve into how a leading fintech organization uses SAS software to create a proprietary platform that facilitates underwriting, decision making, compliance and more.

Key takeaways:

  • How fintech developers can use technology to create unique competencies in finance
  • How to decide whether to build, outsource or customize fintech solutions
  • How a leading fintech organization can use SAS software to create a proprietary platform



Pat Forgione, CTO
Forgione joined Thinking Capital in 2013 after spending almost 20 years in the brokerage industry. As Thinking Capital’s CTO, Forgione is responsible for the positioning of the technology footprint, building a secure infrastructure aimed at providing state-of-the-art SaaS solutions to the financing market.

Anthony Lipschitz, Chief Strategy Officer
LinkedIn | @ant_lipschitz |
Lipschitz is a senior executive with a track record of successfully raising venture capital and creating value for shareholders. Prior to joining Thinking Capital, Lipschitz led StubHub as their Canada Country Manager. Anthony is a start-up mentor and has built businesses in South Africa, New York and Toronto.

FinDEVr Live: Braintree Shows How to Increase Checkout Conversion

BraintreeHomepage | @braintree_dev

braintree_logo_newAs the Braintree_PayPal developer and startup relations team, Braintree_dev works directly in the field to educate and support the community about the Braintree and PayPal APIs and SDKs. With unique programs including BattleHack, Startup Blueprint and Start Tank, Braintree_dev engages with the community to mentor, support and enable seamless commerce experiences through easy integrations around the globe.

Make me pay you! Increasing checkout conversion
Don’t you just wish you could talk to your users and ask them to “show the money!!” Sometimes your users just want to give you the money, but we make it so difficult for them. Increasing checkout conversion is part art, part science, part design, part engineering. I’ll talk through simple design patterns, like making sure you have a way for users to give feedback to engineering libraries—cool libraries that help you take a photo of a credit card instead of entering its info. By the end of this talk, I hope you will have found some interesting ways for your users to give you more money.

Key takeaways:

  • Design patterns, tools, tips, tricks and other developer resources you can use to build a
    great checkout experience.
  • Case studies on companies that made changes to their checkout flow that resulted in increase customer revenue.
  • Examples of great checkout experiences and some not-so-great checkout experiences that we can learn from.

Presenter: Justin Woo, Developer Advocate
LinkedIn | @jzwoo | | 408-376-7400
Justin Woo is a developer advocate at Braintree / PayPal and has been programming ever since he got his first IBM XT running DOS. He loves writing mobile applications—especially hybrid-HTML5 applications—and wishes everything could be done in LISP.

FinDEVr Live: Interxion Presents a European Fintech Success Story of Quants in a European Cloud

Interxion_homepage_FinDEVr2015 | @interxion

Interxion_FinDEVr2015_logoInterxion (NYSE: INXN) is a leading provider of cloud and carrier-neutral co-location data center services in Europe, serving a wide range of customers through 37 data centers, in 11 European countries. Interxion’s uniformly designed, energy-efficient data centers offer customers extensive security and uptime for their mission-critical applications. With more than 500 Connectivity providers and 20 European internet exchanges across its footprint, Interxion has created cloud, content, finance, and connectivity hubs that foster growing customer communities of interest.

Quants in a European cloud
Interxion and Sayula will present a European fintech success story. We start with the co-located foundation infrastructure necessary to meet European demands and progress to Sayula’s open development-framework platform and added open-source components allowing Vontobel to meet their needs for a shared structured-derivatives valuation platform.

Key takeaways:

  • Social Mobile Analytics in the Cloud applied to Quants
  • How to build a shared and modular valuation platform
  • European challenges for Fintech Infrastructure



Bill Fenick, Strategy & Marketing Director, Interxion

Fenick has two decades-plus of financial services industry experience in data distribution and trading technologies, managed services, co-location and hosting. Prior to Interxion, Fenick worked at Thomson Reuters and Tibco. He holds a doctorate from University of Vienna, a master’s from Webster University in Vienna, and a bachelor’s degree from UCLA.

Daniel Mueri, COO, Sayula

Mueri earned his master’s (Cornell University) and bachelor’s (Rutgers University) degrees in electrical engineering. He has twenty years’ experience in market data and trading systems, and is an innovator and competitor in both his professional and sporting activities.

Cristian Alzati, CTO, Sayula

Alzati has more than twenty years of software development experience in the financial industry. Before founding Sayula, he designed a server-based spreadsheet system that stayed more than 20 years in production at UBS. Alzati holds master’s and engineering degrees from Stanford and a master’s in computational finance from Carnegie Mellon.

FinDEVr Live: Kofax’s Mortgage Borrower Onboarding

KofaxHomepage | @Kofax

KofaxLogoKofax® from Lexmark is a leading provider of software to simplify and transform the First Mile™ of customer engagement. Kofax Insight, our business analytics and process intelligence solution, monitors, analyzes and helps optimize operational business processes to ensure compliance, eliminate risk and gain unprecedented insights to achieve operational excellence. Common processes like new accounts, claims, mortgage applications, and more can be streamlined and accelerated for better customer engagement. More than 20,000 customers globally rely on Kofax software to improve the customer experience, reduce operating costs, differentiate and grow.

Onboarding process intelligence
Kofax Insight is an end-to-end, agnostic, elastic, responsive process-intelligent and process-aware platform that empowers data consumers to understand process fidelity, process regression, process deviation and other action-metrics in the context of their specific business challenge. Gain rich insight into business processes that span numerous disparate systems of record, off-premise technologies and multiple lines of business in a single and contiguous analytics engine. Our demo of Mortgage Borrower Onboarding will showcase:

  • Data/artifact life-cycle process that start here and finish there
  • Data/artifact process exceptions
  • End to end SLA monitoring of data/artifacts

Key takeaways:

  • How to leverage omnidata source-integration for driving efficient workflows and processes
  • How to leverage agnostic process-monitoring for insight into the data-artifact life-cycle
    process and data reconciliation
  • Process awareness/discovery: improve the effectiveness of operational processes, identifying potential fail-points before they cause business loss



Dimitri Seneca Snowden, Named Account Specialist, BI & Analytics Solutions
LinkedIn | @dimitrisnowden | | 215-554-0450
Dimitri Seneca Snowden, global enterprise business intelligence and analytics executive at Kofax, is responsible for creating value for businesses by choreographing specialized analytic solutions that solve unique and complex business challenges. His extraordinary ability to translate business requirements into a single-solution offering is a magical win-win for businesses and their customers.

Alex Dibeler, Sales Engineer, BI & Analytics Solutions
LinkedIn| | 484-423-6123
Alex Dibeler, Sales Engineer, BI & Analytics Solutions

Dibeler has worked in information technology and more specifically enterprise software for 10+ years. He has held various roles in project management/software implementation and more recently as a systems engineer with Lexmark.

FinDEVr Live: Nexmo APIs Use the Cloud to Decrease Fraud, Secure Transactions, and Protect User Identity

Nexmo_homepage_FinDEVr2015 | | @nexmo

Nexmo_FinDEVr2015_logoNexmo is the global cloud communications platform leader providing innovative communication APIs and SDKs for voice, text, messaging and phone-verification services. Nexmo enables applications and enterprises to communicate with their customers reliably and with ease, no matter where in the world they are located. Companies such as Alibaba, Airbnb, LINE, and Viber send millions of messages per month using Nexmo APIs. Nexmo was recognized by analyst firm Gartner as a 2014 Cool Vendor in Communication Service and by Roaming Consulting Company as a Tier-1 A2P SMS Messaging Vendor in 2015.

Using the cloud to decrease fraud, secure transactions, and protect user identity
Online and mobile banking has come of age and consumers today are empowered with dozens of convenient ways to manage their finances online. However, securing transactions, protecting user identity and protecting both the financial institutions and consumers from an ever-increasing risk of fraud has not evolved. Most users do not follow the recommended practices for online security, and the fragmentation of online identities implies most of them repeat passwords across their different identities. Strong authentication in such scenarios is often cumbersome and makes for a bad end-user experience. In this session, we share how Nexmo’s APIs and SDKs can help you increase security, significantly decrease fraud and protect user identity, without compromising the end-user’s experience.

Key takeaways:

  • How phone number-based identifiers, coupled with phone-based verifications, can help businesses easily implement strong authentication to increase security, significantly decrease fraud and protect user identity, without compromising the end-user’s experience.
  • How you can quickly and easily integrate Nexmo’s powerful APIs into most fintech-app flows.
  • How to future-proof your engineering efforts by using best practices to be ready for scale from the start, regardless of the size of your user base.



Eric Nadalin, CTO
LinkedIn |

Nadalin is the CTO and co-founder of Nexmo. He has managed teams in both the payments and messaging spaces for 18 years. His startup, iPIN, was acquired by Valista and integrated with major mobile operators around the globe. Nadalin holds both bachelor’s and master’s degrees in computer science.

FinDEVr Live: AppSHIELD SDK from SnoopWall Helps Defend Against Malicious Apps

SnoopWall_homepage_FinDEVr2015 | | @SnoopWallSecure

SnoopWall_FinDEVr2015_logoIt’s the year of mCrime (mobile crime), and all banking apps are easily eavesdropped on by ‘trusted apps’ that actually have malware allowed on iTunes, Google Play, and Microsoft App store. SnoopWall will present a live demo of this ‘breaking into my own banking account’ on mobile using a malicious Flashlight App. Then, you’ll learn about AppSHIELD SDK.

Increase adoption of your mobile app with AppSHIELD SDK
AppSHIELD SDK is the only solution to this problem that works. We’ll show how IBM Trusteer SDK and INAUTH SDK and Arxan are easily circumvented by cyber criminals intending to steal consumer PII. If you see AppSHIELD SDK in action (in 95+ financial institutions), you’ll want it in your banking app to protect your consumers and your brand.

Key takeaways:

  • All mobile banking apps are insecure and hackable
  • Many trusted apps exploit these mBanking vulnerabilities
  • Our AppSHIELD SDK is the only solution to make mBanking apps bulletproof against mCrime



Gary Miliefsky, CEO
LinkedIn | @Miliefsky |

Miliefsky, CEO of SnoopWall, is the inventor of the company’s novel counterveillance technology. He has been extremely active in the INFOSEC arena: He is a member of, CISSP; and is an advisory board member of the Center for the Study of Counter-Terrorism and Cyber Crime at Norwich University and

Chris Gauthier, VP Engineering

Gauthier is SnoopWall’s VP of engineering. He’s also the chief software architect for SnoopWall and co-inventor of the AppCrusher. He’s an early stage engineering team leader, hands-on coder, and passionate white-hat with a strong, ethical hacking background.

FinDEVr Live: Corezoid Offers a Digital Core to Update Outdated Backends

CorezoidHomepage | | @Corezoid

COREZOID logo copyCorezoid is a company founded in 2014 and registered in the U.S., with a developer’s office in Dnipropetrovsk (Ukraine). Its biggest private investor is PrivatBank (Ukraine), the largest bank in Ukraine.

Build your company’s digital core with Corezoid is a cloud operating system. It is based on finite automata theory. Corezoid allows companies to do less hardcoding and concentrate on business growth. Digital core increases the speed of launching new products, reduces the cost of software support and development, and helps to fix an outdated company’s backend. It is a stem cell for software engineering, a completely new approach to the IT-solutions development, and a modern engine for any company that wants to rule the world.

Key takeaways:

  • Speed of IT project implementation
  • Establishing friendly relationships between various software complexes
  • Real-time dashboards



Sergii Danylenko, Chief Marketing Officer
LinkedIn | | +38 06 74 44 3781

Maxim Bondar, CTO
LinkedIn |

FinDEVr Live: Avalara Helps Developers Navigate the Wacky World of Sales Tax

Avalara_homepage_FinDEVr2015 | | @avalara

Avalara_FinDEVr2015_logoSales tax is complicated, but Avalara makes it easy. Since 2004, our dedicated team of revolutionaries has worked day and night to help businesses of all sizes achieve compliance by providing a fast, easy, and accurate way to manage transactional taxes. Avalara’s API dynamically delivers instantaneous sales-tax decisions based on precise geo-location in more than 12,000 taxing jurisdictions in the U.S. Avalara’s API offers the ability to automatically assign hundreds of thousands of taxability rules and the latest jurisdiction—boundaries within your desired accounting, shopping cart, or point-of-sales system—to deliver the right rate and tax calculation.

The wacky world of sales tax
Transactional sales tax is not the easiest thing for an organization to tackle. With million of addresses, thousands of taxability rules and taxing jurisdictions involved, it can be a daunting task. We’ll take a whimsical look at some of the more interesting and bizarre sales-tax cases, look at the technology that Avalara has built to solve this problem, and take a deeper dive into the APIs that are available for developers.

Key takeaways:

  • Complexity of transactional tax explained
  • How APIs solve this problem for developers
  • Weird and wacky sales-tax scenarios



Loke Uei Tan, Senior Manager, Developer Relations
LinkedIn | @lokeuei |

Tan has been working in the evangelism capacity for a decade at Microsoft and most recently leads the developer team at Avalara, a cloud-based sales-tax-automation service. He brings with him an extensive knowledge in building and running a successful evangelism program in any modern organization.

FinDEVr Live: Xignite Presents its Newest Financial Market Data API Technologies for Developers

Xignite_homepage_FinDEVr2015 | | @xignite

Xignite_FinDEVr2015_logoNamed one of the 10 coolest brands in banking, Xignite, Inc. provides cloud-based financial market-data APIs to help emerging companies and established enterprises deliver real-time and reference market data to their digital assets, such as websites and apps. Xignite’s clients include more than 1,000 financial services, media, and software companies from disruptive fintech firms, such as Betterment, FutureAdvisor, Motif Investing, Personal Capital, Robinhood, StockTwits, Wealthfront, and Yodlee, to leading financial institutions, exchanges and market data vendors including Nasdaq, SIX Financial Information, and BMO.

Hoverboards, driverless cars and streaming financial data – the future is now!
Attend this session to learn about the newest financial market data API technologies on the horizon. Attendees might even get a sneak peek at some unannounced Xignite products. Xignite’s key engineering team members will be joined on stage by several Xignite clients for a lively discussion of the future of API delivery.

Key takeaways:

  • Future API delivery technologies
  • Real-world application-discussion with robo-adviser and stock-trading app vendors
  • Sneak peak at unannounced technology



Anand Viswanathan, Developer
LinkedIn | @anand_seph |

Viswanathan spearheads developer efforts at Xignite and is the creator of Xignite Labs. Prior to Xignite he held developer positions at Viagogo, Media Interface, and Network Design Lab, The Ladders and Michigan State University, where he also taught advanced programming. He is fluent in Hindi and Tamil.

Al Chang, CTO (not pictured)
LinkedIn | @xignite_al |

Chang is a fintech-industry technology expert. He has led engineering and professional services organizations in high-growth software companies, including Google, Oracle, Advent Software, and TenFold Corporation. Chang holds both master’s and bachelor’s degrees in mechanical engineering and a bachelor’s of science in biology from MIT.

FinDEVr Live: BlockCypher Presents How Bitcoin and the Blockchain Enable Programmable Money

Blockcypherhomepage | @BlockCypher

BlockcypherLogoBlockCypher showed how it helps companies easily build reliable blockchain applications. The BlockCypher team built a generic blockchain platform, exposing simple web APIs for developers to build on. BlockCypher runs multiple blockchains on the same infrastructure, including their own blockchain. BlockCypher provides a cloud-optimized enterprise-grade blockchain platform with no single point of failure, linear scaling, and uptimes >99.99%.

Bitcoin, blockchain, and programmable money
See how Bitcoin and blockchains enable programmable money. From simple scripts to complex contracts, code can automate the transfer of value and make it traceable, distributed and cryptographically secure. Dedicated blockchains and smart contracts can automate trading with fast settlement as well as encode complex derivatives. Want to learn how blockchains can fundamentally impact finance and Wall Street? How about rebuilding a bank in two days without keeping funds in custody? Want a sneak peek at what blockchains and peer-to-peer distributed consensus can do? This session will put you on the right track and create a spark for you to build the next big finance thing.

Key takeaways:

  • Everything in bitcoin is code
  • What is the blockchain, what can you do with it, and how to code on it
  • Any good developer can now functionally replace a bank



Matthieu Riou, CTO, Co-founder
LinkedIn | @mriou |
Riou has architected many software systems at MommaZoo, C3, Intalio, BEA, Reef, BNP, and Societe Generale. He’s a member and former VP at the Apache Software Foundation and has founded and mentored many different open-source projects, from distributed databases to build tools. Matthieu holds both bachelor’s and master’s degrees in computer science and artificial intelligence.

Catheryne Nicholson, CEO, Co-founder
LinkedIn | @Catheryne_N |
Engineer, entrepreneur, mother, and former U.S. Navy officer, Nicholson has built large-scale software platforms in education, energy and emissions management, CRM, and defense systems for MommaZoo, C3, Siebel Systems, and Northrop-Grumman. She’s a graduate of the U.S. Naval Academy and Stanford University. Her credentials include: BSAE, MSCE, and PE MechE.

FinDEVr Live: MX Describes How it Delivers Better Code to Developers

MXhomepage | | @MXenabled

MXMX launched its core Digital Money Management (DMM) solution, MoneyDesktop, in October 2010. In just five years, MX has become one of the fastest-growing fintech companies and the DMM provider-of-choice to more than 550 banks and credit unions. MX is committed to building online and mobile financial software that entices consumers to increase their financial intelligence through a user experience that makes money management feel natural, simple and gratifying. As the industry is disrupted at a rapid pace, MX is committed to keeping financial institutions relevant and on the forefront of innovation.

How you build something is more important than what you’re building
Is your code simple, clean and maintainable? That’s the first question you should be asking rather than focusing on function. Studies have shown that up to 70% of the cost of software is incurred during maintenance. Readability, or the ease of reading source code, can promote software maintainability and is at the core of MX’s philosophy. In this 20-minute session, Brandon Dewitt, MX’s CTO, is discussing the fundamentals of building technology and how MX is delivering innovation and better code directly into the hands of engineers responsible for technology in their financial institutions.

Key takeaways:

  • Building a maintainable platform
  • Why style of code matters
  • Facilitating a smooth transition as you onboard new engineers

Presenter: Brandon Dewitt, CTO
LinkedIn | @abrandoned |
Brandon Dewitt, CTO of MX, actively contributes to open-source projects and has worked in software engineering at Nike, BakerHill, and Experian. He leads the MX engineering team to produce cutting-edge solutions for the fintech industry.

FinDEVr Live: Banking API from Kontomatik Helps Developers Build Better Financial Products

Kontomatik_FinDEVr2015_homepage | | @Kontomatik

Kontomatik_FinDEVr2015_logoKontomatik presents a leading banking API. The service supplied by Kontomatik API is mostly aimed for the banks with competitive products: online lenders that are looking to optimize loan-issuing processes, and startups that want to build their apps around a supreme technology. Online credit scoring, instant KYC, and contextual financial offers are the key benefits supplied by Kontomatik API, yet the main service is the provision of tools that lets an organization become a true innovator in the financial industry. Kontomatik API is now available in Poland, Spain, Czech Republic, Slovakia, Mexico, Brazil, Russia and more countries to come.

Create financial industry 2.0 with banking API
Customers often choose unsuitable products because of lack of innovation. Until now. Banking API introduced by Kontomatik allows penetration of banking transaction systems, aggregation, analysis, and processing of data. This data is an opportunity for strong growth for the financial companies with attractive products. Our presentation will uncover the key benefits of the banking API, its application in the banking and financial sectors, scope of countries and future plans. Also, you will see exactly why the Kontomatik technology is a superior way to connect to the banks.

Key takeaways:

  • How to bring your services fully online
  • The main benefits of banking API
  • Emerging markets and technology



Peter Hiekmann, VP Sales
LinkedIn |

Hiekmann has been working in the financial and technology industries for more than 25 years. Prior to his work with Kontomatik, Hiekmann was improving the performance of such companies as Fujitsu, Cisco, BT Global Services, and more. Hiekmann recently climbed to the peak of Mount Kilimanjaro.

Marcin Truszel, CEO