Charles Damen is Chief Product Officer at Token.io responsible for building out the company's Account-to-Account payment infrastructure. Prior to joining Token, Charles was the SVP Product Strategy at Worldpay, responsible for global Real Time Payments and Open Banking products. He has over 20 years of experience in senior roles at payments, mobile and internet companies, and prior to Worldpay founded and led the global cross border payments division of Thunes, enabling real-time payments to and from emerging markets. He is a member of the European Payments Council (EPC) and was previously a board member for the Merchant Risk Council.

Daniel is the Head of Bank of API's at Nat West Group.  He is leading our regulatory commitments in the United Kingdom and Europe, driving a culture of API enablement, and collaborating across the industry in establishing standards.  Daniel provides regulatory, competitive, and strategic insight bankwide as well as with customers and partners.  Prior to this role, Daniel drove the formation of Risk Solutions, leading risk and capital technology and change activities focused on improved lending capabilities, adherence with complex regulation, and advanced data insights.  He has over 28 years experience at the crossroads of banking and technology while being associated with some of the worlds leading financial institutions in the United States, Switzerland, and the United Kingdom.  Daniel joined from Barclays Capital, where he led an Enterprise Solutions organisation inclusive of Risk, Finance, Treasury, Capital, Portfolio Management, CVA/FVA Management, and Architecture.  Previous roles have included portfolio strategy, trading technology, prime services, infrastructure, and more.  Daniel majored in Business at Skidmore College, has been a featured speaker and author for industry publications, is a mentor/advisor in FinTech, holds industry registrations in trading and operations, is a Six Sigma Black Belt, and a founding member of multiple industry associations.

Kat is the UK Policy Lead for Plaid; she focuses on protecting and enabling consumer's rights to access and use their financial data. Before joining Plaid, she was the policy lead for open banking and PSD2 at the Financial Conduct Authority. A self-confessed payment-nerd she has played key roles in delivering open banking, PSD2 and now open finance for the UK.