January 26, 2021 @ 6:00 pm – 7:00 pm
Virtual (Zoom)

Banking as a Service and Challenger Banks –
the next 3 years


Tuesday, January 26, 2021

Zoom Meeting


Banking is changing in many ways, and Covid has accelerated many of those changes.   We’ve seen an burst of challenger banks, and also technologies to make it easier to offer banking services– Banking as a Service (BaaS).

What does  Banking as a Service mean, and how it is different from what challenger banks like Chime offer?  Who are they hoping for as customers?   And what does this mean for large banks?

NYPAY will have experts in this dynamic area to explain what they think the future holds and answer your questions​.


Moderated by
Ron Shevlin
Director of Research, Cornerstone Advisors

Ron Shevlin has been a management consultant for more than 25 years, working with leading financial services, consumer products, retail and manufacturing firms all over the world. As director of research at Cornerstone Advisors, Ron calls on his analytical acumen to author a variety of corporate and commissioned research reports. He writes weekly for Forbes and has published hundreds of articles for his Snarketing blog. Prior to joining Cornerstone Advisors, Ron was a senior analyst at Aite Group, where he specialized in retail banking issues. Prior to Aite, he led Epsilon’s financial services consulting practice. Before Epsilon, he headed up Forrester’s research efforts on customer loyalty, profitability and consumer channel use in the financial services industry.

The Panelists

Dov Marmor

Dov Marmor

COO North America, @Railsbank

Dov led two of the top fintech platform businesses in banking and international payments. Formerly GM and Head of Banking-as-a-Service (BaaS) at Green Dot. Dov has launched and scaled numerous enterprise fintech programs including Intuit TurboCard, Uber Debit/Money, Stash Banking and Wealthfront Debit, tripling the growth of the BaaS business in just under there years. Prior to that, he launched the US business of Currencycloud, building over 20 new programs and expanding the teams and operational processes for scale. As COO of North America, he is developing Railsbank’s customers, product and operations in the US and Canada. This includes the launch of Railsbank´s unique Credit Card-as-a-Service offering.

Andrew Lorentz

Andrew Lorentz

Partner, DWT

Andy Lorentz helps clients find the shortest path through the maze of regulations between their vision and the launch of a commercial product. The co-chair of DWT’s FinTech practice, he advises on complex regulatory issues and transactions and helps resolve disputes. Andy is committed to driving change within the delivery of legal services, drawing on lessons learned from the industry’s most innovative and disruptive companies. He seeks client relationships that allow for a joint focus on value delivered and continuous improvement.

Andy has represented major banks and non-depository financial institutions, global technology companies, e-commerce companies, retailers, and payment companies of all kinds and sizes. His experience includes advising on issues related to the Electronic Fund Transfer Act, Regulation E, Truth-in-Lending, Regulation Z, the Fair Debt Collection Practices Act, the Federal Trade Commission Act, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, federal and state banking regulation, state money transmission and licensed lending laws, payment network rules, unclaimed property laws, the Bank Secrecy Act, FDIC insurance, and E-SIGN.

Andy is also vice chair of the firm’s Executive Committee.

Wesley Wright

Wesley Wright

Chief Commercial and Product Officer, Varo Bank

Wesley is Chief Commercial and Product Officer for Varo Bank, the first fintech firm to receive a full national bank charter from the OCC and to receive approval for deposit insurance from the FDIC. He was an early member of the team which built Varo’s business from inception to serve over 2MM accounts and obtain a national banking charter. Previously he served as Varo’s COO. Prior to joining Varo, Wesley spent 14 years at American Express as a General Manager and later SVP of digital initiatives. He started his career as a consultant with McKinsey & Company.

Cokie Hasiotis

Cokie Hasiotis

lasagna technology / Chief of Staff @ The Block / Advisor @ Fintech Today

Cokie is Banking-as-a-Service expert, regulatory nerd, and FinTech junkie. She helps banks define their proposition, understand the key players, partner with providers and FinTechs alike; helps providers strategically attack their business development and sales, market and brand their offering, partner with banks; and helps FinTechs find the right bank and understand what that partnership means for their product roadmap. Cokie is an ex-consultant, researcher and lobbyist.

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