Oliver Wyman presents at PAYMENTS 2018

Aaron Fine is a Partner and the Co-Head of Oliver Wyman’s Retail and Business Banking Practice in the Americas. He joined Oliver Wyman in 2001, became a Partner in 2006, and served as the New York Office Head between 2007 and 2009.

Tony Hayes is a Partner and Co-Head of the Retail and Business Banking Practice at Oliver Wyman in the Americas; he also leads Oliver Wyman’s global Payments team. In these capacities, Tony helps lead a team of partners to drive growth and improve the customer experience across the full spectrum of consumer financial services, spanning retail bank product and distribution, retail credit, card and payments, and mortgage businesses.

Rick is an innovator with two decades’ experience at the forefront of the digital revolution. His experience spans a wide range of organizations – from pure start-up ventures through to $80 BN global corporations – as senior executive, advisor and Board member.

Rob Mau is a Partner in Oliver Wyman’s Washington, DC office in the Payments practice. He has advised clients in the US, Canada, South America and Europe on payments related topics and is a frequency speaker at conferences and workshops.

Rick is a principal in Oliver Wyman’s New York office with a focus on Retail and Business Banking. He specializes in payments topics with work spanning banks, infrastructure players, and merchants. He has expertise in designing corporate strategy, driving customer experience, and generating operating efficiencies.

Russell Jones is a Principal in Oliver Wyman’s Retail and Business Banking practice, based in New York. In his time at Oliver Wyman, Russell has supported leading financial institutions, industry associations and private equity firms on topics spanning strategy, operations and risk. In his recent work, he has focused on supporting companies across the payments ecosystem – issuers, acquirers, networks, merchants and financial sponsors. Russell holds a B.A. in Government with Distinction from Cornell University and an MBA from the Kellogg School of Management with majors in Finance, Operations, Strategy, and Entrepreneurship & Innovation. Prior to Oliver Wyman, Russell was a founding member of the team that launched Nodal Exchange, the first centrally cleared commodities trading platform in the United States (acquired by EEX Group).

Patricia Hines, CTP, is a senior analyst with Celent’s Banking practice and is based in Charlotte, NC. Her areas of research include global transaction services and wholesale banking with a particular emphasis on treasury and cash management, corporate banking delivery channels, and trade and supply chain finance, along with commercial and small business lending. Patty has over 20 years of experience in financial services across business, technology, and operations. Prior to Celent, she was a Research Director in Wholesale Banking at CEB TowerGroup, a leading financial services advisory research firm, where she conducted primary research focused on industry trends, strategic business drivers, and technology solutions in commercial lending and small business services. She has also held senior product management, marketing, and technology positions at FleetBoston Financial, Wells Fargo, Citibank, MuleSoft, OpenText GXS, and S1 Corporation (now ACI Worldwide). Patty received her MBA from the Yale School of Management and a bachelor’s degree in business administration from the State University of New York at Albany. She also holds a Certified Treasury Professional (CTP) accreditation from the Association of Financial Professionals.

Gareth's research focuses on Payments. As part of the payments team, his prime focus is on corporate payments, working closely with his colleagues in the Corporate Banking team. He is a leading expert on: • bank payment processing, and is the analyst who has been covering payment services hubs the longest in the industry; • payment networks and infrastructures, including Swift, ACH and Wires; • and real-time payments, a topic he has been active in since 2006, and has worked in on almost every continent. Gareth has been widely quoted in the media, including American Banker, New York Times and BBC News, and is a frequent speaker at such events as Sibos, EBADay, NACHA Payments, as well as private events around the world. Prior to Celent, Gareth worked for Secura Monde International, a leading cash consultancy; as Regional Research Director of European Payments at TowerGroup; and in corporate strategy at VocaLink Ltd, the UK ACH and ATM network. Gareth has a Bachelor of Science in Quantity Surveying from the University of Portsmouth, and a Post-Graduate Degree in Information Science from the University of North London.