Andrei Cherny is the co-founder and CEO of Aspiration, the he first fully democratized financial platform that allows everyone equal access to seamless, inexpensive and socially-conscious banking and investment products.
Andrei has spent nearly twenty years working to make the financial system more open and fair in both the private and public sector. Andrei has served as an advisor to some of America's top companies including Intel, Qualcomm and Bank of America, the co-founder and president of a media start-up, a financial fraud prosecutor, a historian, a White House aide, a Navy reserve officer, and a nationally-recognized economic policy expert.
He launched and grew Democracy Journal to one of the most widely read idea journals in America. There, he helped start the successful fight for the new Consumer Financial Protection Bureau. A former Clinton White House aide, he was the youngest White House speechwriter in American history. His 2000 book, The Next Deal, showed how business and government would be transformed by people's demands for more and better choices. He is also the author of the The Candy Bombers.
He graduated from Harvard University and from the University of California Berkeley law school.
Christopher N. Curtin is the Chief Marketing Innovation and Brand Officer for Visa (NYSE: V), one of the world’s largest multinational financial services companies. In his current role, Christopher is responsible for many of Visa’s high-profile marketing efforts, including those for the Rio 2016 Olympic Games, and the company’s Super Bowl 50 and NFL sponsorships. His innovative leadership efforts have resulted in increased efficiency and effectiveness that include a 9 percent annual fee savings and 20 percent projected media value upside. He launched the first major redesign in seven years of Visa.com and helped maintain the company’s brand preference despite several new competitors in the market, including Apple Pay, Samsung Pay, Android Pay, Tencent and Alipay.
Christopher joined Visa in 2013 as SVP for Global Innovation Marketing and Chief Digital Officer, a role in which he led the development of global marketing strategies that drove the adoption of Visa’s digital payment products and platforms. He managed a cross-functional team that created Visa’s social and digital strategy and led the rollout of new digital products, as well as the largest alternative payment initiative in company history.
In 2008, he joined the Hewlett-Packard Company (NYSE: HPQ) where he served as SVP of Marketing, Strategy, Innovation and Operations. While at Hewlett-Packard, Christopher substantially increased revenues and decreased costs by developing and implementing a new HP Marketing operating model.
He began his career in 2000 with The Walt Disney Company (NYSE: DIS) where he held a number of senior roles, including VP of Corporate Synergy and Special Projects and Special Advisor to the CEO. As VP of Global Media and Technology, he developed new media marketing plans and strategies for parks in Orlando, Anaheim, Paris, Hong Kong and offshore properties operated by Disney Cruise lines. As GM and VP of the Muppets Holding Company, Christopher designed a five-year strategic plan that included revitalizing the merchandise and home video businesses, expanding the franchise internationally, and rolling out entertainment appearances on Good Morning America and Saturday Night Live, which generated a 40 percent surplus in operating income and triple-digit revenue growth.
He currently sits on a number of boards including the advisory boards of DataXu, Martini Media, ThinkSpider and Bloomberg Businessweek. He serves on the Board of Directors of both the Association of National Advertisers and the Georgetown Technology Alliance as well as on the Board of Governors for DMG World Media. He is the Co-Chair of the Digital Collective and a founding member of the Peer 100 Association of Chief Digital Officers.
A sought-after public speaker, he has given addresses at The Rutberg Wireless Conference and at The New York Times Board of Directors Meeting. He served as keynote speaker for both the Digital Ascendant conference in California and The Millennium Alliance conference in Miami. He has guest lectured at the Stanford Graduate School of Business and at the Harvard Business School. He received a Distinguished Alumni Award from Denison University in 2015, and was highlighted as a Facebook Influencer in 2016 for discussing marketing innovation.
Christopher holds a B.A. in Political Science from Denison University and a J.D. from Georgetown University.
Breffny O’Rourke is a payments strategy consultant for Visa. She supports top 10 financial institution clients with strategic consulting engagements across Visa’s product solutions (Debit, Credit, Commercial, Small Business, Consumer, Prepaid, Cobrand, Loyalty, Innovation), segments (Affluent, Mass, Millennials) and marketing disciplines (Brand, Insights, Digital/Social/Direct, Promotions, Analytics). She has deep expertise in product value proposition development, product positioning and launch, competitive assessment and market analysis, channel optimization, customer engagement and consumer research and insights development.
Prior to joining Visa, Breffny was a Senior Brand Manager at Campbell Soup Company, managing PNLs of up to $250MM in annual sales. There she led a variety of business lines, developed and executed annual brand plans, created multi-channel marketing campaigns and led cross-functional teams in new product development.
Breffny earned a bachelor’s degree from Hamilton College and an MBA from Temple University.
Kurt Heissenbuttel joined Fidelity as the Head of University Relations in the Enterprise Talent and Leadership group in March of this year. Kurt heads up the University Relations team, determining the nationwide college recruiting strategy for the firm. Prior to Fidelity Kurt spent his career in academia most recently at Northeastern University in Boston. Having held a variety of roles from marketing and programming, to domestic and international recruitment, Kurt brought all of those experiences to his role as Director of Admissions at Northeastern. With eye towards creating highly personalized experiences for students and families, Kurt lead a team of admissions professionals on recruiting, selecting, and enrolling Northeastern’s undergraduate class. Kurt holds a bachelor’s degree from Johnson & Wales University, a masters from Suffolk University and is near completion of a doctorate degree from Northeastern University.
Patrick Biggs is a Financial Advisor and founding partner of The RBK Group at Morgan Stanley, where he provides highly customized advice and investment solutions to financially successful individuals and young families. He focuses on wealth management services to professionals in several industries, including finance, law and medicine, as well as startup businesses. Patrick attended Princeton University where he earned his B.A. degree in History. A former athlete, Patrick was the senior captain of the men’s varsity swim team, achieving a school record in the 1650 Freestyle and helping his team win three straight Ivy League championships. Upon graduation, he joined Morgan Stanley, where he had the opportunity to work as an Analyst in the Strategy Group and an Associate in the Business Development Group before becoming a Financial Advisor with the RBK Group in 2015. Patrick calls Manhattan’s Financial District his home with his newly married wife, Alicia, and remains an active Princeton alumnus, serving as Board member of the Friends of Princeton Swimming and Diving and Co-Chair of the Princeton Class of 2011’s 5th Reunion.
Erin Lowry is millennial personal finance expert, speaker, and author of the book, “BROKE MILLENNIAL: Stop Scraping By and Get Your Financial Life Together.” Based on the successful blog, the book is a choose your own adventure guide to personal finance that uses wry humor and real-life examples to demystify the basics of money for millennials. Lowry's work has been featured by CBS Sunday Morning, The Wall Street Journal, USA Today, NBC News, New York Magazine, MarketplaceMoney, U.S. News and World Report, and Refinery29. Lowry spent most of her childhood living in Asia, but now settled in Queens, New York where she shares an apartment with her spunky rescue dog Mosby.
In his role as EVP Strategy and Executive Creative Director, Sean oversees Bond's Loyalty, Customer Experience and Creative practices—and blurs the line between breakthrough Creative and innovative Strategy. His extensive experience in above-and below-the-line advertising, coupled with a background in youth marketing, has garnered him a strategic understanding of how to acquire, engage and build meaningful long-term relationships between leading brands and their most valuable customers. He creates potent (and profitable) brand experiences by mixing traditional and non-traditional creative with a breadth of tactical knowledge governed by strategy derived from insights. Sean is a frequent speaker at leading conferences throughout North America, focused on Brand Experiences, Loyalty and Digital vocabularies like Social and Mobile.
John McWilliams is a Senior Vertical Solutions Consultant for the Credit Risk Management product suite at LexisNexis Risk Solutions. In this role he works closely with clients and the sales team as a subject matter expert for the LexisNexis credit risk business, which includes the products RiskView, PowerView, FicoXD, Profile Booster and Lead Integrity. These products use behavioral data to help lenders gain deeper insight into fraud and credit risk at all stages of consumer lending and marketing. For the last 10 years, John held business development, sales and consulting roles at Experian, Equifax and D&B developing and selling credit risk and marketing solutions. Prior to that, John worked in Media at PR Newswire where he held a series of roles with business development and P&L responsibility.
Rina joined Publicis in 2016 after 15 years at Citigroup, where she held a number of Strategy and Execution roles in the Company’s Global Consumer business; most recently, she was a Managing Director leading the Consumer Banking Transformation office. Prior to Citi, Rina worked at Navigant Consulting, in San Francisco, where she was a Senior Consultant leading e-commerce and consumer product engagements. While in San Francisco, Rina also worked for a start-up called Vendio.com (now part of Alibaba) where she led their business development efforts. Before earning her MBA from Chicago’s Booth School of Business, she worked at Goldman Sachs Corporate Finance and Equity Research teams in both NY and Zurich respectively. Rina also has a B.S. from NYU’s Stern School of Business.
Greg is an experience and innovation strategist that works with some of the most successful companies in the world to help them envision the future of their customer experience. Having led teams in our London and Germany offices he now leads our Product Innovation work in New York. He has built experience across the spectrum of brand, product, experience and commerce projects; leading digital transformation projects and also shaping experience innovation for organizations such as MasterCard. His experience spans brands such as Johnnie Walker, Marks & Spencer, Nike, Ray-Ban, Samsung, The Frye Company, Thomas & Friends, Unilever, Vodafone and various fintech startups.