Oliver Wyman Presents at PAYMENTS 2017

Michael Zeltkevic is a Partner & Head of Oliver Wyman’s Financial Services Practice Group for the Americas. Mr. Zeltkevic is a member of the firm’s global Operating and Management Committees. Since joining the firm in 1999, Mr. Zeltkevic has worked with leading banks, payment networks, mortgage companies, securities firms, asset managers, pension funds, alternative investors, insurers and central banks in North America, Europe and Asia on some of their most critical issues, with an emphasis on customer-focused strategy and risk management. His experience includes advising clients on business strategy, treasury and balance sheet management, credit and collections process and policy design, customer and product value measurement and management, business process optimization, and sales force and distribution management. In addition, Mr. Zeltkevic has decades of experience across the full spectrum of risk and capital management issues as they relate to consumer finance. Mr. Zeltkevic is frequent speaker at industry and client events and is regularly quoted in the press on industry issues. Michael holds an M.S.E. degree in Chemical Engineering from the Massachusetts Institute of Technology, and a M.S.E. and B.S. in Chemical Engineering and a B.A. in Biochemistry both from the University of Pennsylvania, where he graduated Magna Cum Laude. He is fluent in Czech, Italian and Slovak.

Mr. Elliott is a Partner at Oliver Wyman in New York, in the Finance & Risk/Public Policy practice. He focuses on public policy and its implications for the financial sector. He has written and spoken extensively on the impact of recent political developments on financial institutions, including writing “Financial Institutions in an Age of Populism” and “Implications of the Trump Administration for Financial Regulation”. In 2016, Douglas was the lead author of a 150-page study analyzing the impacts of the Basel reforms, building on a similar paper from several years earlier for the IMF. Prior to joining the firm, he was a Fellow in Economic Studies at The Brookings Institution, the world’s leading think tank. At Brookings, he wrote and spoke extensively on financial regulation and its international coordination. He has been a Visiting Scholar at the International Monetary Fund, as well as a consultant for the IMF, the World Bank, and the Asian Development Bank. He frequently appears on panels or as a speaker for the Basel Committee, FSB, Fed, IMF, World Bank, Bank of England, ECB, ESRB, Bundesbank, European Commission, JFSA, Asian Development Bank, US Treasury, OCC, and other official bodies, as well as at trade group and industry functions. Prior to Brookings, he was a financial institutions investment banker for two decades, principally at J.P. Morgan. He worked across the range of financial institutions clients, including banks, insurers, and asset managers. He was primarily an M&A investment banker, but also worked as an equities analyst and in capital markets. He has testified multiple times before both houses of Congress and participated in numerous speaking engagements, as well as appearing widely in the major media outlets. The New York Times has described his analyses as “refreshingly understandable” and “without a hint of dogma or advocacy”. Mr. Elliott graduated from Harvard College magna cum laude with an A.B. in Sociology in 1981. In 1984, he graduated from Duke University with an M.A. in Computer Science.

Patricia Hines, CTP, is a senior analyst with Celent’s Banking practice and is based in Charlotte, NC. Her areas of research include global transaction services and wholesale banking with a particular emphasis on treasury and cash management, corporate banking delivery channels, and trade and supply chain finance, along with commercial and small business lending. Patty has over 20 years of experience in financial services across business, technology, and operations. Prior to Celent, she was a Research Director in Wholesale Banking at CEB TowerGroup, a leading financial services advisory research firm, where she conducted primary research focused on industry trends, strategic business drivers, and technology solutions in commercial lending and small business services. She has also held senior product management, marketing, and technology positions at FleetBoston Financial, Wells Fargo, Citibank, MuleSoft, OpenText GXS, and S1 Corporation (now ACI Worldwide). Patty received her MBA from the Yale School of Management and a bachelor’s degree in business administration from the State University of New York at Albany. She also holds a Certified Treasury Professional (CTP) accreditation from the Association of Financial Professionals.