Matt Cincera is Senior Vice President, Business Executive for the eCommerce organization within Channel Technology. He is located in Charlotte, North Carolina and is responsible for service delivery and execution for initiatives on bankofamerica.com and Online Banking, supporting Channel Delivery and Integrated Business Planning organizations.

Matt Cincera joined Bank of America in March 2004, and has held numerous leadership positions including the deployment of a single enterprise employee portal (Flagscape), support of key marketing and privacy systems for the bank, and business intelligence & analytics solutions including the enterprise data warehouse (The W).

Prior to joining the bank, Cincera was Manager, Internet Solutions at Motorola Semiconductor Products Sector in Phoenix, Arizona (now Freescale Semiconductor). In that capacity he was responsible for development and operational support of the division's Internet website serving tens of thousands of engineers and external business partners. Other leadership assignments at Motorola included support of global final manufacturing systems, customer relationship management, business-to-business transactions, and product marketing.

Cincera graduated from the University of Wisconsin where he majored in Electrical Engineering, with an emphasis in Computer Engineering, and is a certified Six Sigma Blackbelt.

Gary Greenwald is the Chief Innovation Officer for Global Transaction Services. Global Transaction Services is one of Citi's publicly reported product lines, offering award winning and industry leading Treasury and Trade Solutions, and Securities and Fund Services capabilities to corporations, governments, financial institutions and investment advisors worldwide.

Gary is responsible for driving client-focused innovation across market segments, regions and products, with particular focus on the critical role of technology in the transaction services business. At GTS, Gary has developed market leading solutions in such areas as online banking, digital identity management, and analytics. Considered an industry expert on treasury and transaction banking technology trends, Gary is a frequent speaker and author on the subject.

Gary joined Citi in 1983, and has held a number of diverse positions in both corporate and consumer banking. He holds a BS in Economics from the University of Pennsylvania's Wharton School and an MS in Statistics and Operations Research from New York University's Stern School of Business. In 2006, Gary was recognized by Treasury and Risk Magazine as one of the 100 Most Influential People in Finance.

Jacob Jegher, based in Montreal, Canada, is a senior analyst within Celent's banking group. Mr. Jegher's research focuses on emerging technologies and business strategies in retail and wholesale banking. His areas of expertise include online banking (retail, small business, and corporate cash management), social media, IT security, and customer relationship management and strategy.

He is the primary author of Celent's annual global IT spending report, as well as the banking CIO survey and model bank report. His recent consulting work involves advising executive teams on issues ranging from IT strategy to vendor selection.

Mr. Jegher has been widely quoted in the press including The New York Times, The Wall Street Journal, Bloomberg, the Associated Press, the Globe & Mail, and the Financial Post. He is an experienced speaker and has presented at several national conferences and corporate events, including the NACHA Payments and BAI Retail Delivery conferences.

Before joining Celent, Mr. Jegher was an analyst for BCE Emergis, where he was responsible for business strategy as well as market and competitive intelligence. Previously, he held the position of manager of information systems at Research One International, a healthcare consulting and market research firm based in Canada.

Mr. Jegher earned a bachelor of commerce in finance and management information systems from McGill University. He is fluent in English, French, and Hebrew.

Dan Marks is the Chief Marketing Officer for First Tennessee Bank, one of the two primary business units of First Horizon National Corporation. First Tennessee is the leading bank in Tennessee and has other offices in the southeast. It has been nationally recognized by independent research organizations such as JD Power, and Greenwich Associates for leading customer satisfaction.

Dan is responsible for the overall cross-channel marketing strategy for First Tennessee, a nearly billion dollar revenue business unit of First Horizon National Corporation. Functions managed include Customer Insights, website/e-Commerce Database Marketing, Retail Marketing, Business Marketing, and Affluent/WM Marketing, and Creative Brand Management.

One of Dan's driving passions is continuous improvement of marketing programs based on rigorous ROI measurement and guided by test and learn processes. Dan is recognized for his thought leadership in Financial Services and in Marketing. He is frequently cited by BAI Banking Strategies, Forrester Research, and other publications. He is also asked to speak at industry conferences and trade meetings.

He has been with First Tennessee for over seven years through a progression of roles and has served in management and senior consultant capacities with consulting organizations.

Dan has a MBA from Vanderbilt University and a BS in Accounting from Belhaven College. Dan serves as Co-Chair of the Dallas CMO Executive Summit. He also actively serves in the Memphis community, as an officer at Second Presbyterian Church and on the boards of the Memphis Music Foundation and the Dixon Gallery and Gardens.

Rich Martino is Senior Vice President, Market Analytics & Performance Solutions for U.S. Bank. He has been with U.S. Bank since 1994 in both strategic marketing and product management roles. During his tenure at the bank he participated in the development and implementation of the firm's pioneering Relationship Management System and spearheaded the development of its current customer insight platform. U.S. Bank earned the SAS Enterprise Intelligence Award for 2006 and One-to-One Magazine's "Impact Award" for sales optimization in 2008. Mr. Martino was also named a "Customer Champion" by One-to-One Magazine.

Mr. Martino has experience leading the full spectrum of financial service marketing activities with national, regional and community bank scope - including stints at some of the nations' largest banks. With nearly 30 years of experience in financial services marketing, he is a recognized thought leader in customer value management and business intelligence.

Pradeep T. Moudgal brings 30 years of extensive Commercial Banking experience in Product Development, Product Management and Marketing, specializing in Treasury Management, International Banking and Lending Services. Pradeep is currently the Managing Director of Cash Management Product Development at Silicon Valley Bank, based in Santa Clara, CA. Pradeep also has worked at Corillian Corporation (Fiserv), The Provident Bank (PNC Bank), Bank One (JP Morgan Chase) and Texas Commerce Bank (JP Morgan Chase). Pradeep has an MBA from Southern New Hampshire University in Hooksett, NH and BA from The University of Houston, Houston, Texas.

Katherine Burger is Editorial Director of Bank Systems & Technology and Insurance & Technology, members of TechWeb's InformationWeek Financial Services. She assumed leadership of Bank Systems & Technology in 2003 and of Insurance & Technology in 1991.

In addition to directing the editorial strategy of both brands, Kathy is charged with the creation and development of new products, editorial supplements, special publications and live and online events including BS&T's Executive Summit, I&T's Executive Summit , Webcasts, live custom events and executive roundtables.

Kathy is a frequent speaker/moderator at financial services industry conferences, and also has presented at a number of technology company user group and sales force events, as well as numerous Webcasts sponsored by industry leaders.

During Kathy's 29-year publishing career, in addition to financial services technology, she also has covered the real estate and retailing industries. She is a graduate of Carleton College.

Penny Crosman is Executive Editor of Bank Systems & Technology, part of InformationWeek Financial Services. She joined BS&T in January 2010.

Penny edits and writes content for Bank Systems & Technology's website, www.banktech.com, its daily email newsletter, four digital issues, and bimonthly print magazine. She moderates editorial webcasts and roundtables and conducts video interviews. In her most recent job at Wall Street & Technology, she covered high-performance computing, green computing, data centers, wealth management software and other technologies that are critical to the capital markets.

Prior to joining Wall Street & Technology, Penny served as an editor at several other publications, including Intelligent Enterprise, IT Architect, Network Magazine, Transform and Imaging. She is an alumnus of New York University.

Matt Gunn has worked as a writer and editor for more than six years, covering everything from sports and entertainment to business, technology and health care. Prior to covering IT buyers for Bank Systems & Technology, Matt was a news editor and writer for the Association of periOperative Registered Nurses, contributing news online and in print, as well as developing web, multimedia and social networking programs. As a reporter for Evergreen Newspapers in Colorado, he won several awards from the Colorado Press Association and the state SPJ for breaking news coverage, photography and arts and entertainment criticism. Prior to writing, Matt has experience in enterprise IT with Lockheed Martin Enterprise Information Services and in professional sports operations with the Colorado Rockies Baseball Club.

Greg MacSweeney has covered technology for the past eleven years, mostly in financial services. A frequent moderator and speaker at industry events, Mr. MacSweeney is currently Editor-in-Chief of Wall Street & Technology, a TechWeb media property. Prior to joining Wall Street & Technology magazine, Mr. MacSweeney also worked for Insurance & Technology Magazine and Bank Systems & Technology Magazine, both TechWeb publications. In addition, Mr. MacSweeney covered technology for buy-side institutional investment organizations at Global Investment Technology, a biweekly news magazine. During his career Mr. MacSweeney also covered automation technology and enterprise applications for the manufacturing industry while he was managing editor for Managing Automation Magazine, a Thomas Publishing Co. publication.

Fritz is vice president and editorial director of InformationWeek, and executive producer of TechWeb TV, the multi-media production arm of UBM TechWeb. He has been an employee of UBM TechWeb for 18 years, including as editor in chief of Network Computing, publisher, publishing director and vice president and group director. Prior to joining UBM TechWeb, Fritz worked with Martin Marietta's Computing Standards group -- a team that tested and evaluated technology, and whose objective was to set corporate computing and networking standards. Fritz was a technical writer for USBI, a subsidiary of United Technologies that manages parts of the solid rocket boosters for the space shuttle program. Fritz graduated from the University of Maryland with a bachelor's degree in journalism.

A 20-year veteran of the business technology marketplace, Scott's has broad and deep experience in B2B technology marketing strategy, performance demand marketing, publishing and content development, research, product management, and sales and sales management.

His current role is as Chief Marketing Officer for UBM TechWeb, the global leader in technology media and business information. UBM TechWeb is comprised of industry leading brands such as InformationWeek, Network Computing, Internet Evolution, Wall Street & Technology, Web 2.0, Black Hat, Interop, Light Reading. In this role, Vaughan leads a marketing team focused on engaging and serving technology and executive decision makers, and a team charged with creating high-impact, go-to-market programs for technology marketers. He is also responsible for UBM TechWeb brand management and outbound communications.

Vaughan experience also includes roles as Publisher of InformationWeek, the largest and most influential business technology brand, founding Publisher of Optimize magazine, a media brand geared for CIOs and C-level executives, and sales and sales management roles for CMP Technology. His technology market background includes positions as VP of Marketing at Centricity Software, where he joined the founders to launch the software firm, and a five year role at Fibermux, where he ran marketing communications until the networking company was acquired by ADC Telecommunications.

His views and observations can be found on CreateYourNextCustomer.com.