How to Win the Forth Channel

Karin Lockovitch is a 25-year banking and financial services risk and compliance executive. Karin is a Partner and Head of Oliver Wyman’s Regulatory Compliance practice. Karin provides advisory services for banks, non-bank lenders and insurance providers, fintechs, and de-novo bank/banks-in-formation, where she advises on the design, build, and maturity of enterprise risk and compliance programs, bank charter applications and the design and build of de-novo institutions, and regulatory supervision and enforcement dynamics across the financial services industry. Prior to joining Oliver Wyman, Karin held positions as the Chief Risk and Chief Compliance Officer for several banks and non-banks, including Chief Risk Officer for loanDepot, Executive Vice President and Chief Compliance Officer for Bank of the West and Zions Bancorporation and the Senior Vice President and Chief Compliance Officer for SunTrust’s (now Truist) Consumer and Small Business division. She also spent 15+ years working in and advising on de novo bank charter and legal entity structure strategy, and has been part of numerous national, state and ILC charter efforts. Karin has deep experience working with all U.S. regulatory agencies, having experienced many significant regulatory changes and events through her career, including leading the implementation of notable regulatory changes and the remediation of major enforcement actions. She has led and advised large risk and compliance organizations through the build and maturity of Compliance Management Systems and related programs (issue management, regulatory change management, third-party risk, risk assessment, monitoring and testing) and governance frameworks, Consumer Protection and Fair and Responsible Banking programs, Customer Complaint programs, Community Reinvestment Act programs, Anti-Money Laundering programs, Employee Ethics and Integrity programs, Volcker rule, Reg W and Reg O compliance programs, and the implementation and adoption of the line of defense model. She served as a U.S. banking delegate to the Basel Committee’s Supervision and Implementation Group (SIG) 2018 workshop on risk governance and culture, non-financial risk management and operationalization of the line of defense model. Most recently, her article on the the future of the CCO was published by the American Banker, and she lead the 2025 annual Chief Compliance Officer Survey sponsored by Oliver Wyman and the Risk Management Association/Prosight. She has written and spoken on topics including related to trends and innovations in fair lending, managing risks related to technology and AI innovation, the evolution of the line of defense model, and key regulatory topics including fees, 1071 rule, 1033 rule, the new CRA rules and expanding consumer protection/UDAAP practices. Karin holds an MBA from the University of Utah and a BA from the University of Massachusetts. She is a Certified Regulatory Compliance Manager (CRCM).

Nathan Quezada is a Senior Vice President and AI product leader at Bank of America, where he leads the development and implementation of GenAI solutions that help simplify work for employees and enhance the client experience. He currently oversees product strategy and business execution for EricaAssist, the company's AI-powered assistant supporting more than 30,000 associates. Previously, Nathan led the company's strategy for advancing consumer financial wellness.

Derek White is Founder and CEO of Primitive, building the AI operating system for financial services. Over two decades spanning four major cycles of financial technology innovation, he’s led digital transformation at Barclays, BBVA, and U.S. Bank, and spearheaded launches including the world’s first Internet bank and mobile payments. His human-centric design philosophy has shaped award-winning banking products and fintech ecosystems globally.

Matt West is Chief Revenue Officer at MX. He has worked in financial services and enterprise SaaS sales for more than 15 years. He joined MX before the company signed its first client — and has been part of its growth from an early-stage startup to an established financial data platform. Over the past 15 years, he has held multiple leadership roles across sales and strategic accounts, helping MX build and expand relationships with hundreds of banks, credit unions, and fintechs, as well as its network of digital banking, core, and payment partners. He enjoys working on complex strategic partnerships to be able to grow sales in a methodical and sustainable manner.

Karan Gandhi is a seasoned fintech and consumer banking leader with deep expertise in credit strategy, fraud prevention, and risk management. He currently serves as Senior Director at Best Egg, where he leads fraud and verifications strategy across a broad portfolio of lending products. Prior to Best Egg, Karan held leadership roles at Citi, Discover, and JPMorgan Chase, driving data-driven credit and risk initiatives at scale. His work focuses on building responsible, scalable financial solutions that balance growth, risk, and customer trust.