How they describe themselves: Our company partners financial institutions and their account holders in the fight against payments fraud.  ACH Alert’s patented, award-winning, innovative fraud prevention solutions have demonstrated their effectiveness by empowering account holders to stop more than 1.2 billion dollars in fraud attempts in the last 2 years alone!  With more than 25 years of industry experience, the founders continue to create solid solutions to mitigate payment risk across multiple payment channels.  Our enterprise, SaaS solutions are strategically designed to be leveraged by financial institutions of all sizes and processing scenarios.

How they describe their product/innovation: Fraud Prevention HQ is a multi-payment channel fraud monitoring system designed to engage account holders in real-time with actionable, out-of-band alerts for customized rule set violations.  From a dashboard, accessible through most online banking systems, customers view and decision suspect transactions, BEFORE money leaves their account.  Out-of-band verification leveraging voice biometrics secures responses for high risk transactions.  Dispute forms are presented electronically and exception settlement handling is automated.  Fraud Prevention HQ is a game changer for financial institutions, making it feasible to offer protection to all account holders, transforming costly back room fraud prevention into a revenue generating machine.

Product distribution strategy: Through financial institutions, through other fintech companies and platforms

Contact

Bus. Dev.: David Peace, President, [email protected], 423-693-0110
Press: Deborah Peace, CEO, [email protected], 423-702-4380
Sales: Kate Hall, Regional Sales Representative, [email protected], 423-702-4379

How they describe themselves: AccountScore is a technology, data and analytics platform for lenders and other financial services providers analysing bank transaction data to transform clients’ affordability and credit processes as well providing a seamless customer onboarding process in an automated fashion.

The team behind AccountScore developed the award winning UK lending company SafetyNet Credit which uses bank transaction data throughout its product and as such AccountScore has been optimised specifically to work within a lending product.

AccountScore has been operational in the UK for one year and is proud to announce that it is launching its US platform at Finovate San Jose.

How they describe their product/innovation: The innovations that we are demoing at Finovate are AccountScore’s normalisation, categorisation and recurrence data engines which sit within the core product.

This will demonstrate that the USP of AccountScore is not merely the provision of bank transaction data to users of the service (although that is part of it) but the data categorisation and analytics applied to the raw data which give clients a cleaned up, categorised and machine readable data set, specifically optimised for lending, which they can choose to utilise either into an automated process through an API or a manual process through the AccountScore dashboard.

Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed

Contact

Bus. Dev.: Emma Steeley, Commercial Director, [email protected], +44 7775 900 688
Press & Sales: Joseph Hungin, Head of Strategic Partnerships, USA, [email protected], +44 7450 008 256

Capital One is a diversified bank that offers a broad array of financial products and services to consumers, small businesses and commercial clients. A Fortune 500 company and named as one of the best places to work in 2016 by Fortune (#16), Capital One has one of the most widely recognized brands in America with 45,319 employees worldwide and $23.4 billion in revenue globally.

We dare to dream, disrupt and deliver a better way. Our goal is simple – bring ingenuity, simplicity, and humanity to an industry ripe for change. Founder-led, Capital One is on a mission to help people live their best lives and build one of America’s leading information-based technology companies.

Presentation

The Culture of Machine Learning at Capital One

Relatively soon, machine learning will be a critical part of every major business process at your organization. In this talk, we glean lessons from the way factories evolved to leverage electricity and share stories about implementing the infrastructure and mindset to leverage machine learning at Capital One.

What You’ll Learn

• Historical perspective towards technology change
• Building a test & learn culture
• An efficient approach to introducing new technology

Presenter

Sandeep Sood, VP, Software Engineering

linkedin.com/in/sandeepsood | @soodsandeep

The mission of the non-profit CardLinx Association is to increase interoperability and promote the growth of online-to-offline commerce and card-linking. On behalf of its members, the Association fosters cross-industry collaboration, develops industry services and institutes common standards to minimize and eliminate friction in online-to-offline commerce and card-linking. CardLinx organizes a series of executive level forums to present industry leading innovations and facilitate new strategic partnerships. For more information visit www.cardlinx.org.

Presentation

Card-Linking Open Source Codebase

CardLinx Association has made available a new open source card-linking software suite developed by Microsoft, one of its founding members. The software demonstrates API access to the leading payment networks and is provided as-is for companies interested in implementing card-linking programs. Companies can further develop and customize this code for their specific use. CardLinx is presenting this open source code to encourage companies to join the card-linking ecosystem by lowering the barrier of entry and broadening the inclusion of card-linking for the creation of new Internet of Commerce Things. Establishing card-linking industry standards is part of CardLinx’s mission to increase collaboration among all industries that participate in online-to-offline commerce and card-linking.

What You’ll Learn

• A new open source card-linking software suite developed by Microsoft is now publicly available to allow companies to more quickly implement card-linking programs by providing an industry standard.
• The software demonstrates API access to the leading payment networks and enables companies to further develop this code for their specific use.
• Card-linking is growing much faster than e-commerce as the trend towards more personalized and experiential marketing accelerates.

Presenter

Silvio Tavares, CEO & President

linkedin.com/in/silviotavarescardlinx | [email protected]

Silvio Tavares is an accomplished CEO, senior executive and thought leader with over 15 years of experience in the digital commerce and payments industry. He is currently the president of the board and CEO of the CardLinx Association, the leading global standards and interoperability organization for the payments and digital advertising industries.

Chetu is a custom software development services provider for the finance industry. The company offers skilled developers with immense industry experience that spans the entire finance technology spectrum with solutions including: development of intuitive financial management dashboards integrated with banking and credit institutions to securely monitor and reconcile accounts, dynamic rule engines, and portfolio management software to track investments; integration with the major credit bureaus, and engineer Cost of Goods Sold (COGS) calculators. Chetu also develops the architecture for Accounting Information Systems (AIS), finance software platforms for bill pay, budgeting, cash flow, and fraud protection monitoring.

For more information, visit: www.chetu.com/financial-it-services.php

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services and wealth management. Delivering the best financial service experiences on the planet often means partnering with the brightest fintech startups and developers—in other words, you.

Presentation

OAuth tokenization and Rapid prototyping with Citi

Learn about our Developer Hub and how to gain access to our sandbox so you can experiment with the same APIs that we’ve released to partners in our production environment. We’ll also give a live code demo and build a simple and fun financial service app together to help inspire your own creative ideas: our code, your magic.

What You’ll Learn

• OAuth tokenization is the best way to protect client credentials. This standard web practice is relatively new to finance but is increasingly crucial to developing financial service apps.
• App development for finance is about locating platforms and services at the center of community activities—providing value without a high threshold for entry.
• Citi is connecting the financial industry to the larger global API economy.
  

Presenter

Abhijit Bhattacharya, Head of Engineering – Open Banking

linkedin.com/in/abhijit-bhattacharya-8aa0516 | [email protected]

Abhijit Bhattacharya leads the Open Banking engineering teams at Citi. He has previously led engineering teams at Asurion, Apple and Freescale Semiconductor. When not thinking about how to delight customers with great products, Abhijit likes driving fast cars and playing tennis. Abhijit is in the process of moving to New York City from the San Francisco Bay Area with his wife and seven-year-old daughter and expects that he will now have to find a new hobby not related to cars.

Barclaycard is part of Barclays, a transatlantic consumer, corporate and investment bank that moves, lends, invests and protects money for customers and clients worldwide. Headquartered in Wilmington, DE, Barclaycard US is one of the fastest growing top-10 credit card issuers in the nation. The company creates customized, co-branded credit card programs for some of the country’s most successful travel, entertainment, retail, affinity, and financial institutions. The business also issues its own Barclaycard branded credit cards and offers high-yield online savings accounts and CDs.

Barclaycard operates in 20 countries around the world, with around 12,500 colleagues looking after more than 30 million customers. Its key business and office locations are in the UK, Germany, and the U.S.

Presentation

Event-Driven Microservices from the Trenches

Microservices are all the rage these days, with almost everyone aspiring to adopt this style of architecture. At Barclaycard, we have embarked on a journey to move from a traditional 3-tier system to a more modern set of isolated, reactive services. This talk recounts experiences developing an array of loosely coupled services that employ techniques such as domain-driven design, EDA, CQRS, and event sourcing, among others.

What You’ll Learn

• How to avoid race conditions in an event-driven world
• How to manage complex business transactions in a flow
• How to version, refactor and upgrade events

Presenter

Premanand Chandrasekaran, VP, Software Engineering

linkedin.com/in/premanandc | [email protected]

Premanand (Prem) Chandrasekaran works as Group Lead for Platform Services at Barclaycard. Over the last two decades he has worked on a variety of software projects. He is passionate about the application of iterative methods to deliver software that enriches the lives of its end users and its maintainers alike.

Cognitect is a technology partner with products and customized development teams building next-generation information systems to solve essential problems. Our experienced team of architects and engineers use a data-first, antifragile approach to couple speed of delivery with a rock solid result. Replicating multi-regional data, smoothly moving data between your transactional, reporting, and BI systems with an ETL time limit of several seconds, processing 50,000 transactions per second while guaranteeing 100% data consistency across your systems — these are just some of the business-critical information challenges we successfully tackle. Our innovations power the core of the world’s leading brands and industries – 14 of the top 50 global leading companies use Cognitect technology, and we’ve worked directly with many of the largest financial institutions and the hottest fintech startups. If you are struggling with a data-centric problem that seems impossible to solve, call us. We can help.

Presentation

Accomplishing Risk Management in Financial Services

Cognitect believes that data is the most valuable asset for modern businesses, especially for financial services firms. Unfortunately, most companies have locked away a lot of those assets in multiple datastores and are missing the most valuable part of having that data to begin with. We will demonstrate how Cognitect and our innovations such as Datomic have solved some seemingly impossible problems, namely Risk Management within Financial Services organizations. We will demonstrate how we achieved this for a Top 10 global bank while guaranteeing 100% data consistency across their systems. This is just one of the business-critical information challenges we successfully tackle. We will show you how.

What You’ll Learn

• True Risk Management : achieving real-time updates on your exposure
• Creating a globally unified data model for your risk database built upon a flexible and extensible data map able to support even non-standard formats and future novelty
• Gaining actionable insights into your data and its full history for all; Analysts and C-level end users
  

Presenter

Justin Gehtland, CEO

linkedin.com/in/justingehtland | @jgehtland

Justin Gehtland is the co-founder and CEO of Cognitect. As a technologist and technology executive, Justin has worked with companies from the top of the Global 100 to fresh-from-launching startups, always with an eye on applying the latest tools and processes to build smarter systems faster. He is the author of 8 programming books, covering Java, .NET, Ruby and JavaScript. As the CEO of Cognitect, he is focused on bringing data-intensive and cloud-native solutions to companies with a mandate to modernize.

Currencycloud’s Payment Engine is the power inside countless businesses, driving the transformation of the global payments landscape. The company is re-imagining the way money flows through the global digital economy, allowing payment firms to remove the friction and inefficiencies of traditional cross-border payments using its flexible APIs. Launched in 2012, Currencycloud is based in London and is regulated in Europe, USA and Canada.

Presentation

Flexible APIs in Action

Currencycloud Payment Engine is built by developers with developers in mind. By building a sophisticated Payment Engine, we have taken the complexity out of international payments both for our clients and for our clients’ customers.

Hear firsthand how our clients have easily integrated with us and witness a live demo of our flexible APIs that enable users to develop game-changing services on top of the Currencycloud Payment Engine.

What You’ll Learn

• What our Payment Engine allows clients to do
• Hear a firsthand case study
• Witness a live demo of our flexible APIs
  

Presenters

Ed Addario, CTO

+44 77 1067 7494

Ed has held executive positions at start-ups and large companies both in the UK and the US and joined Currencycloud as CTO in late 2016 from Misys, where he was the Global Head of Architecture and Integration.

Nick Oostveen, CTO, Vopay

linkedin.com/in/nickoostveen

Nick has spent the past decade working as a software development consultant for startups and other rapidly growing companies. He has been working with Vopay as CTO since their inception in early 2016.

Aerospike is an enterprise-class, NoSQL database solution that enables digital transformation by powering real-time, mission-critical applications and analytics across industries, including AdTech, eCommerce, telecommunications, and financial services. With use cases ranging from real-time billing to fraud detection, Aerospike delivers predictable performance at scale, superior uptime, and high availability at the lowest total cost of ownership (TCO) compared to relational and first-generation NoSQL databases. Recognized by industry analysts as a visionary and leader, Aerospike is the database behind Nielsen Marketing Cloud, Williams Sonoma, InMobi, Kayak, and AppNexus. Available in two versions – Enterprise Edition and Community Edition – for download at www.aerospike.com.

Presentation

Rapid Application Design in Financial Services

Internet-sourced technologies, such as application frameworks, API and data management systems, and NoSQL databases, introduce a world of new capabilities to enterprises. But retail banks face challenges integrating some of these more sophisticated offerings. In this talk, we will present real-world examples of adapting these technologies to older order management systems and address book systems, such as Hogan.

What You’ll Learn

• How to bring financial service workflows into the twenty-first century with the use of Internet technologies
• How to use Internet technologies to provide access to more data (petabytes)
• How to support agile, innovative algorithms and libraries
  

Presenter

Brian Bulkowski, CTO & Co-Founder

linkedin.com/in/bbulkow | @bbulkow

Brian has more than 25 years of experience in the Silicon Valley as a team leader, architect, and senior manager, entirely in the area of large-scale server infrastructures (commodity routers at Novell, video servers at Starlight Networks, large-scale broadband at Liberate, and distributed computation at Aggregate Knowledge).