Look Back at Obstacles, Lean Into Opportunities
9:00 AM
Registration Opens
10:00 AM – 12:30 PM
Just for Members: A Chat and a Challenge | Brunch Included
This exclusive two-part experience offers Members unparalleled learning opportunities. First, Financial Health Network President and Chief Executive Officer Jennifer Tescher will be on hand for an intimate conversation about the past, present, and future of financial health. After the chat, stay for a “Shark Tank”-inspired workshop where Members can informally present measurement solutions and get real-time feedback from fellow Members and Financial Health Network experts.
Ashley Hannon, Director, Membership Operations, Financial Health Network
Jennifer Tescher, President and Chief Executive Officer, Financial Health Network
Judges
Kristen Holt, President and Chief Eexecutive Officer, GreenPath, Inc.
Michael Cyr, Vice President, Customer Strategy, Regions Bank
Heidi Johnson, Director, Behavioral Economics, Financial Health Network
Alejandra Ruales, Director, Workplace Solutions, Financial Health Network
12:30 PM – 1:00 PM
Networking Break
Sponsored by Bank of America
1:00 PM – 3:30 PM
General Session
Opening Remarks
Brenton Peck, Director, Financial Services Solutions, Financial Health Network
Making Financial Health Part of Our DNA
In this deep dive on the business of financial health, explore how people are managing their money during these challenging economic times, through a lens of customer experiences at Bank of America. Find out why and how Bank of America has woven financial health into the core of their operations – learn about new policies designed to improve customer finhealth, initial results of these interventions, and plans for any roadblocks that may lie ahead.
Holly O’Neill, President, Retail Banking, Bank of America
Marisa Walster, Vice President, Financial Services Solutions, Financial Health Network
Keynote Address: The Policy and Potential of Financial Health
Hear Acting Comptroller Michael Hsu discuss the need for banks to consider how their products and services can be more supportive of consumers, the changes we are seeing in the market today, and the Office of the Comptroller of the Currency’s efforts in this area.
Michael J. Hsu, Acting Comptroller of the Currency
Learning to Serve Main Street in Times of Crisis
With the worst of the pandemic seemingly behind us, what lessons can we leverage to improve service and aid for consumers in times of crisis? Through this turbulent period, individual and joint efforts mounted from the public and private sectors to support Americans and connect them with needed relief. Still, clear gaps remain; critical infrastructure is still needed to ensure vulnerable Americans receive the support they need. In this session, hear from public and private sector speakers on insights gained in the past few years about structuring effective partnerships, ensuring equitable distribution of relief, and preparing for any new challenges the future may hold.
Jonathan Jacob, Head of Minority Depository Institutions & Strategic Client Partnerships, Wells Fargo
Shamina Singh, Executive Vice President Sustainability and President, Mastercard Center for Inclusive Growth
Luz Urrutia, Chief Executive Officer, Accion Opportunity Fund
Moderator: Vikas Raj, Managing Partner, resilienceVC
Keynote Address with Jennifer Tescher, President and Chief Executive Officer, Financial Health Network
When we last gathered in person for EMERGE in 2019, the world looked very different. In the turbulent time since, the financial health movement has gained incredible momentum. Now as we finally come back together, we’ll reflect on not only the storms weathered – the financial shocks endured and inequities deepened – but the positive outcomes achieved through innovation, and opportunities to strengthen impact as economic uncertainty continues.
Jennifer Tescher, President and Chief Executive Officer, Financial Health Network
3:30 PM – 5:30 PM
Welcome Reception
Sponsored by Prudential Financial
Come network with other EMERGE attendees at this kick-off reception, where you’ll also have the opportunity to update your headshot and meet the latest Financial Solutions Lab Accelerator cohort.
8:00 PM – 10:00 PM
After-hours Networking
Enjoy an optional evening opportunity to meet with finhealth innovators, advocates, and champions.
Look Back at Inequities, Lean Into Potential
6:30 AM – 7:30 AM
Wellness Walk
Wake up, rise with the sun, and begin your morning with an invigorating walk to Runyon Canyon Park.
Meet in the hotel lobby, all levels welcome.
7:30 AM
Registration Opens
8:00 AM – 8:45 AM
Innovation Breakfasts
Get a helping of finhealth insights with one of our innovation breakfasts, or choose to attend our general networking breakfast.
Financial Diaries: A Deeper Look at Employee Financial Health
Presented by PayPal
How do employee benefits really make a difference in workers’ lives? The PayPal Employee Financial Diaries project is a research initiative that explores the qualitative impact of the company’s employee financial wellness program on its employees, featuring rich stories and data from listening to 20 employees over more than a year. Join us to discuss PayPal’s high-level findings before it releases a full report later this year, and walk away with new ideas to assess and improve the financial health of your own employees.
Usman Ahmed, Head of Public Affairs and Strategic Research, PayPal
Dr. Daryl Collins, Founder and Chief Executive Officer, Decodis
Ivy K. Lau, Public Affairs and Strategic Research Lead Manager, PayPal
Jennifer Tescher, President and Chief Executive Officer, Financial Health Network
Innovations in Payment Solutions for Government Issued Funds
Presented by Wells Fargo
The COVID-19 pandemic highlighted the importance of direct payments from the government to the people. But barriers to access, like the lack of a bank account, often make it difficult for direct relief to reach those who need it the most. Innovation and partnerships can help drive efficiency in delivering government assistance, including improvements to payment systems. Join this conversation with panelists from the fintech and research community about the government-to-person payments landscape, the role of innovators, and opportunities for collaboration.
Sohrab Kohli, Senior Manager, Policy and Market Solutions, Aspen Institute Financial Security Program
Stanley Toussaint, Director of Municipal Engagements, MoCaFi
Moderator: Greg Morishige, Vice President, Lead Business Execution Consultant, Banking Inclusion Initiative, Wells Fargo & Company
8:00 AM – 9:00 AM
Networking Breakfast
The most important meal of the day, join us for breakfast so you can jumpstart Day 2 with the energy you need to learn, connect, and plan for a more financially equitable future.
9:00 AM – 11:00 AM
General Session
Opening Remarks
Brenton Peck, Director, Financial Services Solutions, Financial Health Network
Advancing Equity in Financial Health
Over the past several years, many companies have made bold pledges to address social inequities and reduce gaps in financial well-being for their workers, customers, and communities. In this session, take a look at actions companies have taken to follow through on their commitments. Which tactics are making a difference? And what role can policy, advocacy, and technology play in closing these financial health gaps? Find out how organizations can collaborate across sectors to promote better financial health outcomes for all.
Lisa Frison, Head of Financial Inclusion and Racial Equity, Citi U.S. Personal Banking
Sarah Keh, Vice President, Inclusive Solutions, Prudential Financial Inc.
Cy Richardson, Senior Vice President, National Urban League
Moderator: Dr. Tamarah Duperval-Brownlee, Chief Health Officer, Accenture
Voices of Economic Struggle, with “Nomadland” Author Jessica Bruder
In this special conversation with author and journalist Jessica Bruder, take a deeper dive behind-the-scenes of her New York Times bestselling book “Nomadland,” which inspired an Academy Award-winning film of the same name starring Francis McDormand. In this fireside chat, learn about the real-life stories captured within her book, of Americans driven to nomadic lifestyles by the economic instability of unemployment, broken marriages, lost pensions, and collapsing home values. Uncover the real financial health struggles shaping consumer lives today, and consider the role we all play in empowering the journey to financial health for all.
Jessica Bruder, Bestselling Author, Journalist
Nicole Lapin, New York Times and Wall Street Journal Bestselling Author, Money Expert, and Veteran Business News Anchor
Building Economic Security for Women in a Post-Pandemic World
Years of research consistently reveal a deep divide in financial health between men and women. Latest data confirms exacerbation of these gender gaps through the pandemic, potentially reversing years of progress toward equity. In this session, we’ll hear about women’s economic security on the factors driving worse financial outcomes for women, long-term implications of the pandemic on gender equity, and potential solutions to strengthen economic resilience by closing these critical gaps.
C. Nicole Mason, PhD, President and Chief Executive Officer, Institute for Women’s Policy Research
Nicole Lapin, New York Times and Wall Street Journal Bestselling Author, Money Expert, and Veteran Business News Anchor
11:00 AM – 12:15 PM
Innovation Lunches
Get a helping of the Financial Health Network’s insights with an innovation lunch as we share our original research and expert perspectives.
Financial Health Pulse: How Are People Faring Financially in 2022?
Presented by Financial Health Network
Now in its fifth year, our Financial Health Pulse® initiative tracks the financial health of people in the U.S., offering an in-depth look at our financial lives throughout the pandemic and in today’s times of economic uncertainty. So what does the new 2022 Pulse U.S. Trends Report reveal about the current state of financial health? Join the report’s authors and advisors for a discussion about the trends shaping financial health across America and what’s driving these trends.
Christopher Brown, Senior Vice President, U.S. Business Partnerships, Citigroup
Chandni Ohri, Senior Director, Financial Services Solutions, Financial Health Network
Andrew Warren, Data Associate, Financial Health Network
Moderator: Angela Fontes, Ph.D., Vice President, Policy and Research, Financial Health Network
Measure, Learn, Act: FinHealth in the Real World
Presented by Financial Health Network’s Attune Platform
Transform your passion for financial health into action for your employees, customers, and communities during this fun, interactive lunch. Hear from innovators who are already using the FinHealth ScoreⓇ to drive positive financial health outcomes – and chart your own finhealth journey forward. With the help of our moderators and fellow finhealth advocates, you’ll learn how to define goals and navigate obstacles, share ideas and insights, and walk away with a concrete plan and the confidence to implement it.
Andy Bandyopadhyay, Chief Product Officer, Attune
Christopher Vejby, Senior Product Researcher, Attune
How Innovation Can Move the FinHealth Needle: Field Notes from the Frontlines
Presented by the Financial Health Network’s Financial Solutions Lab
Connect over lunch with some of the Financial Solutions Lab’s most promising fintech and nonprofit leaders leveraging technology to improve financial health for low- and moderate-income individuals. Engage in tableside discussions with startup founders to learn about triumphs and challenges in serving consumers responsibly and sustainably. Explore partnerships, ask questions, and share your own journey in financial health innovation.. Walk away with an expanded network and renewed perspective.
Featuring fintech and nonprofit innovators from the Financial Solutions Lab
12:15 PM – 12:45 PM
Networking Break
Barista Station Sponsored by Prudential Financial
12:45 PM – 1:30 PM
Breakout Sessions
How Financial Services for Women can Help – and Hurt
What unique financial health challenges do women face, and what role can financial services play in empowering progress? From inequities in income, insurmountable debt, caregiving responsibilities, workplace discrimination, and more, join this expert-led discussion to uncover actionable opportunities to better support the unmet financial needs of women.
Melany De La Cruz-Viesca, Deputy Director, UCLA Asian American Studies Center
Bina Shrimali, Vice President, Community Development and Community Affairs Officer, Federal Reserve Bank of San Francisco
Tannia Ventura, Director of Service Provider Engagement and Education, FreeFrom
Moderator: Jo Christine Miles, Director, Principal Foundation and Principal Community Relations
Serving Consumers with Criminal Records
Nearly 600,000 formerly incarcerated individuals return to their communities each year in the U.S. Upon release, they often face major financial health challenges, including debt from court fines and fees, lack of ID, low or nonexistent credit, and difficulty finding a job. Join this session to explore the unique financial needs of these consumers and how financial services providers, fintechs, nonprofits, and others can take action to advance their financial health.
Norma Cumpian, Associate Director, Anti Recidivism Coalition
Yasaman Hadjibashi, Co-Founder and Chief Executive Officer, Stretch
Michael Mendoza, Director of Advocacy, Anti-Recidivism Coalition
Moderator: Nyra Jordan, Social Impact Investment Director, American Family Insurance
Workforce Financial Health: Who’s Responsible?
As the economy recovers from the pandemic, millions of workers continue to struggle financially. Their demands dominate news cycles – for employers to provide greater economic security and paths to financial well-being and dignity. Will voluntary action by employers be enough to address their needs? Or has the time come for more systemic policy solutions? What role should workers play in identifying and implementing solutions? In this discussion, experience a lively conversation about the roles of business leaders, policy makers, and workers in improving financial health outcomes.
Angela Fontes, Ph.D., Vice President, Policy and Research, Financial Health Network
Miguel Padro, Assistant Director, Aspen Institute Business & Society Program
Moderator: Tolu Lawrence, Managing Director, Programs and Partnerships, JUST Capital
1:30 PM – 2:00 PM
Networking Break
2:00 PM – 3:45 PM
General Session
Banking on Financial Health
Research shows that advancing financial health can help build valuable consumer relationships, but what does this really look like inside of a company? In this session, learn all about the Financial Health Network’s newest program for organizations improving consumer financial health outcomes – the Business Impact Initiative. Join us to hear from program participants on their roadmaps for financial health progress, and how they’re measuring impact.
Doug Marshall, Executive Vice President, Chief Digital and Product Officer, BECU
Nasir Qadree, Founder and Managing Partner, Zeal Capital Partners
Ashley Ross, Head of Client Experience and Retail Client Solutions, Bank of America
Moderator: Leigh Phillips, President and Chief Executive Officer, SaverLife
Integrating Financial Health and ESG
As more companies devote significant energy and resources to their Environmental, Social, and Governance efforts, many are also embracing purposes beyond simple reporting exercises. How can ESG activities be aligned more closely with business strategies to achieve equitable financial health? Join this session to discover how to turn the momentum of ESG into better financial health outcomes for your customers and communities.
Elena Botella, Principal, Omidyar Network
Worku Gachou, Inclusive Impact and Sustainability-Head of North America, Visa Inc.
Franz Paasche, Senior Vice President, Chief Corporate Affairs Officer, PayPal
Moderator: Adeeb Mahmud, Chief Program Officer, Financial Health Network
Serving Customers As Their Needs And Expectations Evolve
The pandemic underscored how financial institutions must evolve to best serve changing customer needs. Customers relied on their financial partners to support them during turbulent times, and many banks rose to the challenge to provide solutions that are digital, personalized, and support financial health. As economic uncertainty persists, customer expectations of their banking partners continue to grow– from the products and services they offer to where they are offered. Those who will succeed are those who listen, innovate, and provide customers with the experiences they are looking for in today’s world. Hear how financial institutions can meet the moment and innovate to serve changing customer needs.
Tom Davidson, Chief Executive Officer, Everfi
Arianna Orpello, Head of Consumer Marketing, Goldman Sachs
3:45 PM – 4:15 PM
Networking Break
Sponsored by Marcus by Goldman Sachs
4:15 PM – 5:00 PM
Breakout Sessions
Making ESG Part of Your Financial Health Strategy
Join us to discuss how Environmental, Social, and Governance initiatives can amplify efforts toward building financial health for all. Where do ESG activities fit into your organization’s strategy? How can you reimagine the role of social efforts within your organization? In this session, learn how financial health metrics can be successfully incorporated into ESG strategies.
Paola Garcia Abbo, Vice President and Managing Director of Impact, OneMain Financial
Ezra Garrett, Senior Vice President, Public Affairs & Impact, Oportun
Abigail Lovell, Chief Sustainability Officer, Experian
Moderator: Rochelle Gorey, Founder & Chief Executive Officer, SpringFour
Investing in Financial Health is Better for Business
Financial health can drive value for your company and your customers at the same time. How have you seen these impacts in action at your company? What metrics has your company been tracking, and what outcomes have you seen? In this session, dig into the strategies and solutions driving real meaningful impact for people and businesses.
Adam Davis, Vice President, Retail Bank, Capital One
Jennifer White, Senior Director – Banking & Payments Intelligence, J.D. Power
5:00 PM – 6:00 PM
Networking Reception
6:00 PM – 8:30 PM
Invitation Only: Offsite Sunset Dinner – Members Only | Yamashiro
Join us for a night of great views, food, and conversation with other Financial Health Network Members. Update your registration to RSVP. Transportation from the hotel will be provided.
8:30 PM – 10:30 PM
After-hours Networking
Enjoy an optional evening opportunity to meet with finhealth innovators, advocates, and champions.
Look Back At Your Consumers, Lean Into Their Future
7:30 AM
Registration Opens
8:00 AM – 9:00 AM
Networking Breakfast
The most important meal of the day, join us for breakfast so you can jumpstart Day 3 with the energy you need to learn, connect, and plan for a more financially equitable future.
9:00 AM – 11:30 AM
General Session
Opening Remarks
Brenton Peck, Director, Financial Services Solutions, Financial Health Network
Keynote Address: Designing Financial Health for All
Historically marginalized communities continue to face barriers to financial health. Companies have opportunities to bridge financial health equity gaps by personalizing their delivery of services, applying best practices in behavioral design, and honing their focus on specific segments that need support. Rob Curtis, CEO of Daylight, will discuss the need for organizations to design products and services that address equity in financial health and Daylight’s unique approach to designing financial services that lower barriers to achieving financial health.
Rob Curtis, Chief Executive Officer and Co-founder, Daylight
Using Customer Behavior to Drive Financial Health Impact
Building effective financial health products and services requires layering a deep knowledge of your customers onto standard design principles. Understanding how people make financial decisions, including their biases and mental shortcuts, is key to unlocking opportunities for financial health impact. This session will explore how to leverage design principles rooted in behavioral insights to uncover what putting financial health first looks like in practice.
Angela Hung, Head of Research, Earnin
Julie O’Brien, Senior Vice President, Head of Behavioral Science, U.S. Bank
Samar Shah, Head of Product, Digit
Moderator: Matt Wallaert, Head of Behavioral Science, frog and Founder, BeSci.io
Putting People First: Inclusive Personalization for Financial Services
Customers demand greater personalization in the services that their financial institutions deliver, according to recent research from J.D. Power. Financial institutions can easily access a wealth of customer data to meet this need, but how can they do so ethically and equitably? Join this session to consider the implications of personalization for Financially Vulnerable Americans, and explore how inclusive data models can help ensure all customers are served fairly.
Jody Bhagat, President of Americas, Personetics
Nicole Harper, Director of Corporate Strategy, Jack Henry™
Robin L. Nunn, Partner, Morgan, Lewis & Bockius LLP
Moderator: Nicholas Schmidt, Chief Executive Officer, SolasAI
Innovating for the Next Generation of Consumers: Gen Z
Generation Z is the first generation to grow up as full digital natives, with touchscreens, smartphones, and social media shaping their young lives. Now in their mid-20s, Gen Z also moved into adulthood during a global pandemic, forced to navigate the resulting economic fallout. How have these factors impacted the financial health outcomes of this young adult group? Join this session to discuss the trends shaping the financial health of Generation Z, and opportunities for organizations to anticipate current and future needs through innovation.
Kimberly Gartner, Head of Partnerships, Prism Data
Bolun Li, Chief Executive Officer, Zogo
Moderator: Peter Renton, Chairman and Co-Founder, Fintech Nexus
11:30 AM
Event Concludes