8:00 AM - 12:00 PM | SALON D | COST $299 Pre-Conference: FinX: An Experiential WorkshopProfoundly change the way you understand consumer challenges and design financial products. FinX is an empathy-building experience that helps innovative companies catalyze their design processes. During this half-day experience, CFSI staff take participants through the local community, conducting real financial transactions that un- and underbanked Americans face every day. Following the exercise, we debrief on the experience with peers, uncovering valuable insights to improve strategy, community relations, financial education, and product design. Don’t miss this opportunity — space is limited and will fill up quickly.Sohrab Kohli, Senior Associate, CFSITheresa Schmall, Senior Associate, CFSI

12:30 PM - 2:00 PM | SALON E | COST $199 Pre-Conference: Master Class: Become a ChampionYou’re passionate about the mission of improving consumer financial health — but catalyzing change at an organization can be a major challenge. How can you make a difference and influence the future focus of your company? This 90-minute lunch session will equip you to do just that. You’ll hear from a range of stakeholders on topics such as identifying allies and executive champions, developing strategies for evangelism, and employing tools to position yourself as a champion for consumer financial health. Join us to hear the stories of key champions from our network,and walk away with a group of peer champions ready to tackle financial health across their own organizations.Creighton Blackwell, Vice President, Corporate Affairs, Coastal Federal Credit UnionTom Carpenter, VP, Manager, Consumer Lending, Fifth Third BankMichael Cyr, Vice President, Now Banking – Product & Services Manager, Regions BankCathie Mahon, CEO, National Federation of Community Development Credit UnionsModerated by: Rob Levy, Managing Director, CFSI

2:15 PM - 3:45 PM | SALON D | COST $99 Pre-Conference: The Business Case for FinHealthWondering how to make the business case for financial health in your organization? Take a deep dive into key concepts, informative statistics around consumer needs, and understand how to put your organization on the “financial health journey.” The session features case studies on what some finhealth champions have done successfully in local communities and national markets before attendees dive into a toolkit of resources. Walk away with an action plan for implementing your own business case for financial health. Vern Albush, Director of CSR, Servus Credit UnionKristen Holt, CEO, GreenPath WellnessJason Rudman, EVP, Head of Consumer Payments and Digital, KeyBankModerated by: Andrea Galvez, Director, Network Marketing, CFSI

4:00 PM - 4:15 PM | SALON F, G, H WelcomeJosh Sledge, Director, CFSI

4:15 PM - 4:40 PM | SALON F, G, H Secrets from The Financial DiariesThis new book sheds fresh light on why the common myth that hard work, steady savings and a bit of luck are enough to create economic security and mobility is unrealistic for many Americans. Hear about the real challenges that families face, and be inspired by their resilience and creativity as they navigate the ups and downs of their financial lives.Rachel Schneider, SVP, CFSI, Author of The Financial Diaries: How Americans Cope in a World of Uncertainty

4:40 PM - 5:25 PM | SALON F, G, H Getting to Know the New Middle ClassIf we learned nothing else in 2016, we learned that many segments of our population – from white, working class, non-urbanites to young millennials to African Americans in urban communities – simply don’t feel heard. What financial challenges animate this frustration? Hear some of our nation’s leading experts share their intimate understanding of key populations and explore what we can do to address the real financial needs that exist. Bob Annibale, Global Director, Citi Community Development and Inclusive Finance Jesús Gerena, CEO, Family Independence Initiative Moderated by: Lisa Servon, Professor, City and Regional Planning, University of Pennsylvania and Author, The Unbanking of America: How the New Middle Class Survives

5:25 PM - 6:00 PM | SALON F, G, H Keynote: Think Differently: Innovation, Capital, and Women of ColorIt’s not news that the tech industry is hard on women — at least it’s not to Kathryn Finney. In 2014, Kathryn and her pioneering organization, digitalundivided (DID), started a data project called #ProjectDiane, that quantified just how hard the industry is for women, especially women of color, and women-led startups. The startling data, only 11 Black women had raised over $1 million in outside venture funding since 2006, led DID to develop a series of extraordinary initiatives to help women of color access the capital they need to build their companies. Two of the biggest initiatives are the BIG Innovation Center and Incubator and the Harriet Fund, the first impact fund investing in high performing Black and Latina women led startups. Hear her share the inspiring story and understand the real challenges and barriers for women of color looking to access capital in the innovation economy.Kathryn Finney, Founder & Managing Director, digitalundivided

6:00 PM - 6:45 PM | SALON F, G, H First-Time Attendee Speed Networking First-time EMERGE attendees and veterans meet and mingle at this fast-paced networking event.

6:00 PM - 7:30 PM | INNOVATION LOUNGE Welcome Reception Come network with other EMERGE attendees at this kick-off reception.

7:30 PM - 9:30 PM | OFFSITE Dine AroundsSelect from a range of cuisines, price-points, and topics and then join other attendees at these dutch-treat dinners at local restaurants. Sign up at the registration desk.

SCHEDULE Wednesday, June 14

SCHEDULE 7:00 AM - 7:45 AM Sunrise YogaImmediately outside Innovation Lounge. Mats provided. All levels welcome.

7:15 AM - 8:15 AM | SALON A Breakfast Briefing: Safely Innovating Financial ProductsFIRST-COME, FIRST-SERVEDWhether you’re a traditional depository institution or a non-bank startup, creating innovative consumer financial products and forging new distribution channels carries risk. Principles-based regulations like UDAAP and fair lending are not technical and are, therefore, less defined and require more robust identification and prevention strategies. Our panel of experts, including two former CFPB policy executives will discuss the best methods for safely innovating consumer financial products.

Sponsored by:

8:00 AM - 8:30 AM | INNOVATION LOUNGE General Breakfast Sponsored by:

8:30 AM - 9:00 AM | SALON F, G, H Keynote: What Business Are You In?What does the financial health journey look like for providers who are poised to take the critical next step in “making finance a force for good”? Hear more about how a focus on financial health is more than just a shift in language or attitude. It is a complete overhaul, a paradigm shift, in how businesses can and must think, act, and invest to tangibly improve the lives of hundreds of millions of people. Jennifer Tescher, President & CEO, CFSI

9:00 AM - 9:10 AM | SALON F, G, H Big Idea: The Unlikely Story of the Reverse ATMFifteen years ago, one pioneering entrepreneur set out to dramatically change how low- and moderate- income Americans pay bills. Founder and CEO, Hamed Shahbazi, shares how he grew TIO into a $7 billion bill payment processor, serving over 14 million consumers — and how his journey led to TIO being acquired by PayPal.Hamed Shahbazi, Chaiman and CEO, TIO Networks

9:10 AM - 9:30 AM | SALON F, G, H Keynote: The Augmented Age: Roadmap of the FutureWhat do artificial intelligence (AI), experience design, and technological changes mean for the nature of work and structure of key industries such as banking? Hear from visionary, futurist, and author Brett King describe what to expect - and ponder - as we swiftly move into the “Augmented Age”. Brett King, Bestselling Author, Entrepreneur, Founder & CEO, Moven

9:30 AM - 10:15 AM | SALON F, G, H The Nexus of Technology & Consumer Financial HealthFinancial services companies are increasingly positioning themselves as technology innovators – but to what end? Deep learning, experience design, and empathy-building exercises can do more than help build inclusive products – they can dramatically improve people’s lives. Hear from experts obsessed with the nexus of technology and consumer good. John Kunze, VP Xoom, PayPal Brett Pitts, EVP, Head of Digital, Wells FargoBrian Walter, Watson Financial Services Solutions, Global Leader Watson Client Insights & Cognitive Experience, IBM Watson Moderated by: Ainsley Harris, Technology Writer, Fast Company

10:15 AM - 10:25 AM | SALON F, G, H Meet the Future of FinTech: Announcing the 2017 Financial Solutions Lab WinnersOver the past three years, FinLab has vetted over 900 startup applications that solve some of the nation’s most pressing financial challenges. As past FinLab winners become household names, which fintech companies will win the distinction of entering its third class of winners? Join us for the exclusive announcement and awarding of over $3 million in support.Ryan Falvey, Managing Director, CFSIKaren Keogh, Head of Global Philanthropy, JPMorgan Chase and President, JPMorgan Chase Foundation

10:25 AM - 11:00 AM | INNOVATION LOUNGE Networking Break

Sponsored by:

11:00 AM - 11:45 AM | SALON F, G, H Local Perspectives: How You Innovate Depends on Where You LiveWhat do community banks and credit unions know about their customers and members that the rest of us don’t? This engaging panel will showcase some of the best new ideas in soliciting feedback, implementing innovation strategies, and designing products and services for members and customers in underserved communities. Join us for a robust conversation from visionary changemakers serving America’s heartland.Douglas A. Fecher, President/CEO, Wright-Patt Credit UnionStephen S. Hennigan, President & CEO, Credit UnionKeith Mestrich, President & CEO, Amalgamated BankModerated by: Joan Susie, Chairman, Bank Director FinXtech

11:45 AM - 12:00 PM | SALON F, G, H Big Idea: Is Universal Basic Income the Next “It” Thing?With the rise of 1099 work and robots automating many jobs, are we headed toward high, systemic unemployment? What business and policy responses should we consider in response? Hear from one organization testing an approach to address the challenge of labor displacement in America.Dr. Elizabeth Rhodes, Research Director for the Basic Income Study, Y Combinator Research

12:15 PM - 1:15 PM | SALON A Innovation Lunch: Building a Successful Strategy Using Machine Learning

Sponsored by:

12:15 PM - 1:15 PM | 400, 402 Innovation Lunch: Innovation Starts with the Consumer

Sponsored by:

12:30 PM - 1:15 PM | INNOVATION LOUNGE General Lunch

Sponsored by:

1:15 PM - 2:00 PM | INNOVATION LOUNGE Networking Break

Thursday, June 15

23Magazine

The Consumer OpportunitySALON F

2:00 PM - 2:45 PM Perspectives in Personal Financial Management: Going Further to Inspire ActionHow far should organizations go to help consumers reduce financial stress, improve their credit scores – or build their financial health? This panel of experts from across personal finance, behavioral economics, and media and communications share examples from their portfolios. They’ll explore what works, what doesn’t, and how far to nudge consumers through financial education strategies so that they will make better decisions for financial well-being. Joanne Gaskin, Senior Director, FICOLynnette Khalfani-Cox, CEO, Co-Founder, TheMoneyCoach.net LLC and AskTheMoneyCoach.comModerated by: Katy Davis, Managing Director, ideas42

3:00 PM - 3:45 PM Turning Small Business into Big BusinessThe continued growth of small businesses and the rise of the “1099 economy” indicates the tremendous impact that entrepreneurs are having on the modern-day economy. More than ever before, financial services providers are working to serve the unique needs of entrepreneurs and small businesses, while also helping them navigate the potential financial uncertainty that can often accompany change. Credit is being combined with advice and other tools to help business owners and independent workers navigate taxes, accounting, benefits, and payments. Hear from leaders who are exploring these ideas as they innovate to improve the financial health of these economic champions. Will Barr, Small Business Product Executive, Bank of America Cassie Divine, Vice President and General Manager, Self-Employed, IntuitKathleen Pierce-Gilmore, VP & GM Credit Americas, PayPal Moderated by: Gina Harman, CEO, Accion, The U.S. Network

4:00 PM - 4:45 PM Transformation is Coming: Regtech and the Great UnknownWhat’s all the hype about regtech, and what can providers expect as we enter a new era where regulation innovation becomes a norm? Join experts in this burgeoning space for an engaging conversation around what it is, what it means, and who will benefit.Tracy Basinger, Group Vice President, Federal Reserve Bank of San Francisco Matt Van Buskirk, CEO & Co-Founder, Hummingbird Fintech Melissa Koide, Executive Director, RegTechLabJan Owen, California Commissioner of Business OversightModerated by: Jo Ann Barefoot, CEO, Barefoot Innovation Group, LLC

Business Strategies That WorkSALON G

2:00 PM - 2:45 PM The Financial Lives of Rural AmericansAs the 2016 Presidential election revealed, there’s a broad section of America outside urban centers that is grappling daily with economic questions around work, social safety nets, and threats to their well-being. What do their financial lives actually look like, and what can be done to improve their access and experience? Alec Gorynski, VP, Corporate Philanthropy and Social Responsibility, First National BankDarren Johnson, Senior Vice President, Product Development, Delivery & Segment Activation, US BankModerated by: Darrin Williams, CEO, Southern Bancorp

3:00 PM - 3:45 PM Meeting Consumer Demand through Smart Account DesignSmart companies are pushing boundaries by offering products and services that blur traditional product lines. The result is an integrated set of options that people can use to spend, save, borrow, and plan. How are providers designing checking, savings, prepaid, and automated planning tools that enable customers to thrive — and that beat their competition’s offerings? Hear from visionaries at the forefront of next generation account services about what it means for struggling Americans. Lisa Henken, Chief Customer Officer, NetSpend, a TSYS Company Stephen Kehoe, SVP, Head of Global Financial Inclusion, VisaModerated by: Arjan Shütte, Founder & Managing Partner, Core Innovation Capital

4:00 PM - 4:45 PM From Gecko to Goldmine: InsurTech’s Big Consumer Resilience Opportunity The insurance marketplace is being disrupted by mobile technology, direct-to-consumer outreach, and new insurtech entrants. But what does this mean for the finserv marketplace—and for struggling consumers? Join us for a lively discussion about how providers of all types can offer consumers sound solutions and innovative new tools for coping with financial shocks.Matt Carey, Chief of Retirement Thinking, CEO / Co-Founder, AbarisJerry Eichhorst, Executive Director of Financial Advice Services Group Digital Products, USAARich Fischer, Director of Innovation, CUNA Mutual GroupSally Taylor-Shoff, Scores Vice President, FICOModerated by: Smriti Sinha, Vice President, Innovation & Partnerships, Prudential

SCHEDULE - TRACKS Thursday, June 15

Platinum Sponsor:

24 Magazine #EMERGEForum2017

SCHEDULE - TRACKSFuture of FinHealthSALON H

2:00 PM - 2:45 PM From the Corner Office to the Cubicle: Financial Health at WorkEmployers are in a unique position to improve their employees’ financial well-being. How can you implement a cultural shift at your institution by investing in an employee financial health strategy? Hear from inspiring companies that are leading the charge and learn about what tools, benefits, and structures they’re rolling out to create a culture of employees with strong financial lives. Walk away with ideas and approaches you can implement at your own organization.Derek Cushman, Financial Wellness Solutions Leader, MercerDavid Hoke, Sr. Director, Associate Health and Well-being, WalmartJon Schlossberg, CEO, EvenModerated by: Celine Suarez, Director, Thought Leadership, Morgan Stanley Institute for Sustainable Investment

3:00 PM - 3:45 PM Settling Scores: Why Financial Health is the Next Big KPI What if scoring models could be used for more than underwriting? Could we push the industry beyond the credit score? Can we create incentives for consumers and providers to measure and improve Americans’ financial health? Forward-thinking companies are blazing a trail to this bright, bold future. An exciting set of companies will share new strategies that measure customer, client, and member financial health. Join us to align customer success with company success through a new set of KPIs.Katy Gibson, VP, Product Management, Yodlee Jerry Nemorin, Founder & CEO, LendStreetTracy Szarsi-Fors, VP of Marketing and Business Development, Wright-Patt Credit UnionModerated by: Thea Garon, Senior Manager, CFSI

4:00 PM - 4:45 PM New Markets, New Neighborhoods, New OpportunitiesWhile financial health conversations are happening mostly in banks, who says that’s the only place these talks should be held? Smart leaders are taking financial health messaging to the populations they serve, from aging populations, to immigrants and beyond. What secrets can we learn from experts in serving key target markets? Jody Holtzman, Senior Vice President, Market Innovation, AARPRamona Ortega, Founder & CEO, My Money My FutureLaShawndra Thornton, Associate Director, Programs and Policy, Achieving the DreamModerated by: Evelyn Stark, Assistant Vice President, Financial Inclusion Lead, MetLife Foundation

5:00 PM - 5:45 PM | SALON H How Back-End Innovation Will Transform the Marketplace of the FutureSometimes change comes from unexpected places. Credit bureaus, technology firms, and other partners alongside issuing banks are emerging as ambitious front-runners in the financial health marketplace. They’re building an environment where companies can get their back office business needs met in a way that facilitates positive consumer outcomes. Hear from three unique perspectives on how technology firms are creating new opportunities for banks and credit unions to act on their financial health strategies.Anil Arora, President & CEO, Envestnet | YodleeBrad Hanson, President, MetaBank and Meta Financial GroupModerated by: John Thompson, Senior Vice President, CFSI

5:45 PM - 7:30 PM | INNOVATION LOUNGE Innovation Reception

Sponsored by:

7:30 PM - 9:30 PM | OFFSITE | INVITATION ONLY Financial Health Network-Only DinnerConnect with other members over Austin-style eats and drinks. Attendance at this dinner is reserved exclusively for Financial Health Network members and advisors.

Platinum Sponsor:

Gold Sponsors:

25Magazine#EMERGEForum2017

7:00 AM - 7:45 AM Sunrise YogaImmediately outside Innovation Lounge. Mats provided. All levels welcome.

7:30 AM - 8:30 AM Networking Breakfast

Sponsored by:

8:30 AM - 9:15 AM | SALON F, G, H Keynote Address: Culture at the CoreDeclared the No. 1 “Woman to Watch” by American Banker, Nandita Bakhshi will take the stage to talk about how to build strong financial institutions focused on customer engagement and employee well-being. Hear her talk about building a culture that’s passionate about its customers and the role that technology will play for growth companies in financial services.Nandita Bakhshi, President & CEO, Bank of the WestJennifer Tescher, President & CEO, CFSI

9:15 AM - 9:25 AM | SALON F, G, H Big Idea: Turning 76 Billion Transactions into InsightsYou’re a $2 trillion bank in the US, sitting on an unparallelled wealth — a wealth of client transactional data. How do you turn the data into a tool for policymakers, businesses, and nonprofits to enable better decision-making for global prosperity? You launch an institute. Fiona Greig, Director of Consumer Research, JPMorgan Chase Institute

9:25 AM - 10:15 AM | SALON F, G, H Bridging the Divide between Corporate and Social GoodThe U.S. financial sector is often seen as putting profit over people — but is that changing? Hear from some of the financial services sector’s biggest advocates for integrated corporate and social good strategies. They share why they believe that businesses and consumers alike can benefit from shared value strategies that are core to their brand and their business — and why profit shouldn’t be sacrificed in doing so.Lata Reddy, VP, Corporate Social Responsibility, Prudential Financial and President, The Prudential FoundationArjan Schütte, Founder & Managing Partner, Core Innovation CapitalCraig Vosburg, President, North America, MastercardModerated by: Judith Samuelson, Executive Director, Business and Society Program, ASPEN Institute

10:15 AM - 10:45 AM | INNOVATION LOUNGE Networking Break

Sponsored by:

10:45 AM - 11:30 AM | SALON F, G, H FinTech, Regulation, and the Way ForwardFintech offers an opportunity to provide inclusive financial services to individuals and small businesses. What does today’s regulatory regime mean for how the sector will partner and grow over the next decade? Join us for a conversation about the balance of regulation and innovation, state and federal frameworks, and achieving consumer well-being in a today’s financial marketplace. Amy Friend, Senior Deputy Comptroller & Chief Counsel, Office of the Comptroller of the CurrencyAaron Klein, Policy Director, Center on Regulation and Markets, Brookings InstitutionJan Owen, California Commissioner of Business OversightModerated by: Jeanne Hogarth, Vice President, CFSI

11:30 AM - 11:40 AM | SALON F, G, H Big Idea: Distrupt or Be DisruptiveNamed one of the most innovative companies in finance 2016, Goldman Sachs enters consumer lending with a product you might not expect. Hear their chief strategist and head of the bank explain what they hope to achieve, and who Marcus is.Stephen Scherr, Chief Strategy Officer and CEO, Goldman Sachs Bank USA

11:40 AM - 12:30 PM | SALON F, G, H Point-Counterpoint: Taking Sides In a dynamic close to the conference, some of the event’s most opinionated voices will debate the future of the financial services industry — plus we’ll take the pulse of audience members through an interactive voting mechanism. Join us to hear how your peers react to the topics of our day.Marla Blow, Partner, Fenway Summer LLC & CEO, FS Card Inc.Thomas Brown, Partner, Paul Hastings Cathie Mahon, CEO, National Federation of Community Development Credit Unions (NFCDCU)Jennifer Tescher, President & CEO, CFSI Brian Walter, Global Leader of Watson Client Insights, IBMModerated by: Laura Barger, Chief Marketing Officer, CFSI

1:00 PM - 5:00 PM | 616 AB | COST $299 Post-Conference: FinX: An Experiential WorkshopProfoundly change the way you understand consumer challenges and design financial products. FinX is an empathy-building experience that helps innovative companies catalyze their design processes. During this half-day experience, CFSI staff takes participants through the local community, conducting real financial transactions that unbanked Americans face every day. Following the exercise, we facilitate a reflection on the experience with peers, uncovering valuable insights to improve strategy, community relations, financial education, and product design. Don’t miss this opportunity – space is limited and will fill up quickly.

SCHEDULE Friday, June 16

26 #EMERGEForum2017

z

Sponsored by: LexisNexis

Sponsored by: Elevate

Sessions at-a-Glance7:00 AM

8:00 AM

9:00 AM

10:00 AM

11:00 AM

12:00 PM

1:00 PM

2:00 PM

3:00 PM

4:00 PM

5:00 PM

6:00 PM

Pre-Conference: FinX: An Experiential Workshop

Post Conference: FinX: An Experiential Workshop

Pre-Conference: Master Class: Become a Champion

Pre-Conference: The Business Case for Finhealth

Welcome

Secrets From The Financial Diaries

The Nexus of Technology & Consumer Financial Health

Bridging the Divide Between Corporate and Social Good

FinTech Regulation and the Way Forward

Point Counterpoint: Taking Sides

Local Perspectives: How You Innovate Depends on

Where You Live

How Back End Innovation Will Transform the Marketplace

of the Future

Meet the Future of Fintech

Getting to Know the New Middle Class

The Consumer Opportunity

Track

The Business Strategies That Work

Track

The Future of FinHealth

Track

First Time Attendee Networking & Welcome Reception

6:00 PM - 7:30 PM

Innovation ReceptionSponsored by: JPMorgan Chase

5:45 PM - 7:30 PM

Innovation Lunch: Building a Successful

Strategy Using Machine Learning

Innovation Lunch: Innovation

Starts with the Consumer

Keynote: Think Differently: Innovation, Capital,

and Women of Color

Keynote: What Business Are You In?

Keynote: The Augmented Age

Keynote: Culture at the Core

Big Idea

Big Idea

Big IdeaBig Idea

WEDNESDAY, JUNE 14 THURSDAY, JUNE 15 FRIDAY, JUNE 16

For full schedule, please see page 22

ROOMS:¡ 616B¡ Salon J, K¡ Salon A,

400, 402¡ Salon D

¡ Salon E¡ Salon F, G, H¡ Salon F¡ Salon G¡ Salon H

Breakfast Briefing: Safely Innovating Financial Products

Sponsored by: Treliant

#EMERGEForum2017