Jeremy Balkin is the Founder of TodayPay, the world's first instant payments network and inventor of Refunds as a Service. Prior to TodayPay, Balkin served as a Managing Director and Head of FinTech at J.P. Morgan.

Kimberly Kirk is Executive Vice President, Chief Operations Officer for Queensborough National Bank & Trust Company, a $1.8 billion financial institution based in Louisville, GA. In her role, Kim is responsible for Information Technology, Information Security, Project Management, Business Intelligence, Core Solutions, Deposit, Cash Management, and EFT Operations, Retail Operations, and Product Management. She began her banking career as a bank examiner for the State of South Carolina regulating state-chartered banks and trust companies before transitioning into community banking in 2002. Kim worked with four de novo banks prior to joining Queensborough in various finance and operations capacities.

Kim earned her Bachelor’s degree in Business Administration from Furman University, her MBA from Clemson University, and is a graduate of the American Bankers Association’s Stonier Graduate School of Banking. Kim is a member of the ABA Core Platforms Committee, the ABA Community Bankers Council, Immediate Past Chair of the Georgia Bankers Association Operations and Technology Committee, and a member of the Community Bankers Association of Georgia’s Innovation Committee where she is engaged with the Advanced Technology Development Center and Georgia Fintech Academy.

Nicole serves on the Leadership Team for NYC Fintech Women and hosts their recently launched Podcast Talk of Her Town. Nicole is a solution-driven leader with 20+ years in financial services and start-ups. As VP of Solutions at Ocrolus, Nicole spearheads the entire customer experience solutions architecting to implementation and account management. Previously, she led client operations at Quovo (now Plaid), where she built out the client onboarding strategy and enterprise teams. She has worked on professional development teams, and as a COO, overseeing Operations, IT, and Human Resources in various financial services industries.

Chrystina (Tina) M. Giorgio is president and CEO of ICBA Bancard, a digital solution partner exclusively for the nation’s community banks. She joined the company in 2016 and focuses on developing strategies to leverage digital solutions that allow community banks to remain competitive.

A former community banker with 25 years of experience, her expertise includes payment systems, digital banking, risk and fraud, vendor management, marketing, and client service. In addition, Giorgio has served on several boards and committees with the Federal Reserve, NACHA, various Fintech companies, and other industry organizations.

Tina holds an MBA in Business Management from UMass Amherst and a BS from the University of Maryland University College and completed graduate work at ABA Stonier Graduate School of Banking and the BAI program in Operations and Technology Management for Banking and Financial Services at Vanderbilt University. She has been an Accredited ACH Professional (AAP) since 1993.