
The BAFT Regional Bank Conference (RBC) is the premier event designed for regional banks, by regional banks. The conference serves as a unique forum for networking, thought-provoking discussion, and collaboration among peers facing similar opportunities and challenges.
Come share your ideas, insights, and expertise in an open and candid environment with fellow bankers who understand your business and your institution’s aspirations. Together, we will explore the most pressing issues shaping the regional banking community.
While this exclusive event is limited to regional and country banks with assets of no more than USD $250 billion*, there are no geographic restrictions. The conference is open to bankers from around the world, regardless of where their institution is based.
Interested in attending but not sure if your institution qualifies? Contact [email protected] to find out.
*Some exceptions may apply.
9:30 AM – 9:40 AM
9:40 AM – 10:15 AM
Speaker
Tod Burwell
President & CEO
BAFT
10:15 AM – 10:35 AM
Speaker
Daniel Pinho
Vice President, Operations and Business Management
BAFT
10:35 AM – 11:05 AM
Regional banks play a vital role in supporting international trade, yet many are unaware of the organizations that shape the rules, standards, and policies governing global trade finance. This session explores the role and activities within the International Chamber of Commerce (ICC) Banking Commission and how a handful of national ICC committees have engaged and supported the needs of their local banking communities. The discussion will examine how regional banks can engage with industry working groups, contribute practical perspectives, stay informed of regulatory and market developments, and help influence the future direction of trade finance.
Speakers
Merlin Dowse
Senior Product Manager – Director, Trade and Supply Chain Finance
CGI
Gerardo Gutierrez-Olvera
Executive Director, Head Trade Finance & International Business
Banorte
11:05 AM – 11:35 AM
The future of U.S. policy in the Middle East remains one of the most consequential questions in global affairs. As conflict, political instability and shifting alliances continue to reshape the region, American policymakers face difficult choices about diplomacy, security and long-term engagement.
Former U.S. Ambassador and White House Special Envoy for Middle East Humanitarian Affairs, David Satterfield, will address the challenges facing the United States across the Middle East, from Gaza and Lebanon to Iran, and consider where U.S. policy may be headed next. Drawing on decades of diplomatic experience, he will discuss the evolving geopolitical landscape, the role of American leadership and the policy decisions likely to shape the region in the years ahead.
Speaker
The Honorable Amb. David M. Satterfield
Director, Baker Institute for Public Policy | Janice and Robert McNair Chair in Public Policy
11:35 AM – 12:15 AM
Moderator
Kat Zaveri
Senior Vice President, Trade
StoneX Payments
Speakers
Gayle Jacobs
Senior Vice President and Political Risk Leader – US & Canada
Marsh
Mark Garfield
Head, Global Financial Institutions
Zions Bancorporation
12:15 PM – 1:15 PM
Sponsored by

1:15 PM – 1:55 PM
Moderator
Yenner Karto
Managing Director & Head of International Banking Services
First National Bank of Pennsylvania
Speakers
Michael Salerno
Vice President, Global Banking & Institutional Payments
First National Bank of Omaha
Carsten Hils
Co-Head Global Payments
Marex
Matt Petrik
Head of FX Product
Derivative Path
1:55 PM – 2:35 PM
Speaker
Madlena Demirchian
International Manager
Commerce Bank
2:35 PM – 3:15 PM
Trade-Based Money Laundering (TBML) remains one of the most complex financial crime risks facing banks and trade finance professionals today. This session will review the latest regulatory expectations, industry guidance, and best practices for identifying and mitigating TBML risks across trade products. Participants will gain practical insights into transaction monitoring, sanctions compliance, vessel and routing risk analysis, document examination, and emerging red flags. The session will also explore how artificial intelligence is transforming trade compliance through automated document review, risk scoring, anomaly detection, and enhanced screening capabilities, enabling institutions to improve efficiency while strengthening compliance outcomes.
Speaker
Gerardo Gutierrez-Olvera
Executive Director, Head Trade Finance & International Business
Banorte
3:15 PM – 3:35 PM
3:35 PM – 4:15 PM
As financial institutions navigate an increasingly complex payments and trade landscape, strategic partnerships are becoming essential to driving innovation and delivering client value. This session will explore how banks and solution providers collaborate to develop new capabilities, respond to evolving market demands, and prepare for emerging opportunities across payments, trade, and digital transformation.
Moderator
Mike Babbitt
SVP, Head of Trade & SCF Sales
CoLedger Solutions
Speaker
Aaron Zynczak
Head of FX and International Sales
M & T Bank Corporation
4:15 PM – 5:15 PM
Get beyond the typical conference conversation. Connect with fellow regional bankers in a private, confidential setting to openly discuss shared challenges, exchange experiences, and learn how peers are approaching similar issues at their institutions.
5:15 PM – 5:30 PM
5:30 PM – 6:30 PM
Sponsored by

9:00 AM – 9:10 AM
9:10 AM – 9:50 AM
Join us for a candid conversation with a leading global company as they share their experiences navigating today's complex economic and geopolitical landscape. Through a moderated discussion, we will explore the challenges, risks, and opportunities they have encountered over the past year, as well as the strategies shaping their international business decisions
Interviewer
TJ Raguso
Director, Global Banking
Zions Bancorporation
9:50 AM – 10:30 AM
Speaker
David Dawson
Vice President, BSA/AML Officer
First National Bank of Omaha
10:30 AM – 10:50 AM
10:50 AM – 11:20 AM
Get beyond the typical conference conversation. Connect with fellow regional bankers in a private, confidential setting to openly discuss shared challenges, exchange experiences, and learn how peers are approaching similar issues at their institutions.
Speaker
Karthik Ravichander
Director, Complex Sales
Axletree
11:20 AM – 12:00 PM
International trade is rapidly evolving from paper-based processes to digital documentation, electronic records, and intelligent automation. This session explores the ICC's digital trade initiatives and the growing adoption of electronic trade documents, electronic bills of lading, and paperless trade frameworks. Participants will discuss the legal, operational, and compliance implications of digital trade while examining how AI is transforming international banking through automated document processing, compliance screening, and workflow automation. The session concludes with a look at the future of fully digital trade transactions and the operating models financial institutions are adopting to support them.
Speaker
Merlin Dowse
Senior Product Manager – Director, Trade and Supply Chain Finance
CGI
12:00 PM – 1:00 PM
1:00 PM – 3:30 PM
In an always-on world, clients expect payments to be fast, transparent, predictable, and available 24/7. This session will explore how these expectations are reshaping the payments landscape and what financial institutions need to do to stay ahead. We’ll highlight how Swift is working with the community to raise the bar on payment experience and turn it into a competitive advantage.
In partnership with

3:30 PM

| Registration Rate | Early Bird Rate
(Until August 26) |
Regular Rate
(August 27 – September 30) |
Last Minute Rate
(After September 30) |
| Member | $500 USD | $550 USD | $600 USD |
| Non-Member | $650 USD | $700 USD | $750 USD |
Interested in attending but not sure if your institution qualifies? Contact [email protected] to find out.
This is an exclusive event for regional and country banks only – financial institutions with an asset size of $250 billion USD or less.*
Only those who are eligible to participate will receive the link to register. Contact us if you didn’t receive your registration link or to check if you institution qualifies.
*Some exceptions may apply. Contact [email protected] to inquire.



Mark Garfield’s current role is Head of Global Financial Institutions at Zions Bancorporation responsible for foreign bank relationship development. He joined Zions Bancorporation in 2005. He has over 30 years of banking experience with 25 years in international banking management covering trade finance, trade services, foreign exchange, correspondent banking and product development. Throughout his career he has worked closely with corporate and commercial entities in the Midwest and Western U.S. providing banking support for cross-border trade. Mr. Garfield currently serves as a Director of BAFT and Chair of the Utah District Export Council. He served on the DEC National Advisory Board and Board of the World Trade Center, Utah.

Carsten Hils is a senior financial services executive with more than two decades of experience building and leading global payments businesses. He founded StoneX’s payments business in 2003 and developed it into a global operation focused on delivering payment solutions to financial institutions and corporations, with particular expertise in frontier markets. In 2025, Carsten joined Marex Financial to build and lead the firm’s payments business, serving Marex’s institutional client base as well as external financial institutions and corporations. Earlier in his career, Carsten held senior roles in treasury and asset management with major financial institutions in the United States and Europe.

Gayle Jacobs leads the Political Risk practice in the US and Canada for Marsh Credit Specialties. In this role she supports multinational clients and non-profit organizations in understanding and mitigating the political and financial risks they face abroad. Gayle is based in Southwest Michigan. She joined Marsh in 2019 and has been a broker of Political Risk Insurance since 2007. Prior to working in the insurance industry, Gayle served as an Intelligence Officer for the Defense Intelligence Agency (US Department of Defense) in Washington D.C. and worked for the Foreign Commercial Service at the US Embassy in Paris.


Gerardo Gutierrez-Olvera joined Grupo Financiero BANORTE 12 years ago as Executive Director, responsible for Trade Finance and International Business. BANORTE is the second largest bank in Mexico, and the only one among the 6 largest banks in the country that is managed by a Mexican management team. Gerardo joined BANORTE after more than 20 years of comprehensive and substantial experience in the international banking arena with Banco Santander and Bank of America, working for those institutions both, at a local and regional level, in Mexico City, Monterrey, New York City, Madrid (Latin American Division) and Hong Kong (Asia-Pacific regional hub). His main focus has been on the development, management, sales, operations, and growth of business lines related to trade & supply chain finance, global payments, corporate banking, financial institutions, correspondent banking and treasury services.

Matt Petrik is the Head of FX Product at Derivative Path, bringing over two decades of expertise from Wells Fargo. A champion of digital transformation, he's led initiatives in Gateway APIs/Open Banking, revolutionizing FX Payment Solutions. At Derivative Path since July 2022, Matt leverages his deep FX market knowledge and innovation prowess to enhance cross-border payment solutions for regional banks.

Mr. Michael Salerno is the Vice President of Global Banking at First National Bank of Omaha where he manages a diverse portfolio of corporate and correspondent bank customers. He consults with trade and treasury management professionals to help define, create, and implement effective trade finance, global payments and international risk management solutions. Mr. Salerno specializes in providing foreign exchange and international payment solutions for financial institutions. He is the Treasurer for both the Nebraska District Export Council and the National Association of District Export Councils.

Ambassador David M. Satterfield has over four decades of diplomatic service and policy and management leadership experience in the United States and overseas in the Near East and Europe. He has served as assistant secretary of state, National Security Council staff director, ambassador to Lebanon and Turkey, and charge’ d’affaires in Iraq and Egypt. He was appointed White House Special Envoy for Middle East Humanitarian Issues by President Biden in October 2023. In 2024, he stepped down from this role and served as a consultant to the Department of State. Currently, Ambassador Satterfield serves as Director of Rice University’s Baker Institute for Public Policy.

Katherine Zaveri is a Senior Vice President at StoneX Payments, where she works with financial institutions, corporates, and international development organizations to support cross-border payments globally. She began her career in finance at Bridgewater Associates before moving into the payments space. In 2019, Katherine was named the first BAFT Future Leader from StoneX. She currently serves as Co - Chair of the BAFT Future Leaders Council and has also served as a Future Leaders Mentor. Prior to her career in finance, Katherine worked in international development in Guatemala and has lived and worked in Brazil and Argentina.

Aaron Zynczak is the Head of FX and International Sales at M&T Bank, where he oversees the Foreign Exchange business, Trade Finance Sales, and Supply Chain Finance. Prior to joining M&T Bank, he served as Senior Director of International Banking at First Citizens Bank and as Director of FX Sales at TD Securities. With three decades of experience in International Banking, Aaron has led teams and initiatives across managerial, sales, technology, and operational functions at organizations including The South Financial Group, Commerce Bank, and Bank of America. Aaron currently serves on the BAFT Americas Council. He is also a former member of the BAFT Board of Directors and a past Co Chair of the Americas Council.


Merlin is a senior product manager within CGI’s trade solutions group where he is primarily responsible for the design and delivery of forward-looking and client-centric trade solutions. He leads digital strategy initiatives and develops product value propositions using emerging technologies such as AI, APIs, and blockchain. He is also responsible for third-party fintech vendor engagements and the monitoring of industry developments. Previously, Merlin spent 15 years at J.P. Morgan in various global product management roles. He led digital strategy for traditional trade products, launching innovations such as electronic bill of exchange and an omni-channel connector whilst collaborating with numerous fintechs. He also managed the design and delivery of a multi-year project focused on trade asset risk distribution and contributed to expanding J.P. Morgan’s global trade footprint. He continues to actively contribute to industry-wide initiatives through his role as a co-Chair on the BAFT Trade Finance committee and Vice-Chair on the ICC Banking Commission, where leads efforts to digitalize trade finance in close coordination with the ICC’s Digital Standards Initiative.

T.J. Raguso has served as Group Executive Vice President and Director of International Banking at Zions Bancorporation since 2015, having previously served as Manager of International Banking, at its Texas subsidiary, Amegy Bank, since 2005. Zions Bancorporation is one of the nation's premier financial services companies, with total assets of approximately $87 billion. T.J. joined Amegy Bank in 1998 and has 33 years of experience in trade finance, letters of credit, EXIM lending, commercial lending, foreign exchange and correspondent banking. His international banking activities focus on the unique banking needs of importers, exporters and companies involved in global trade. Within his correspondent banking responsibilities, T.J. leads a global financial institutions team and manages a nationwide downstream correspondent business focused on community banks.

As Director of Complex Sales at Axletree Solutions, Karthik leads strategic initiatives that help organizations modernize and streamline operations through technology. With prior experience at JPMorgan Chase and Macquarie Bank, he brings over a decade of expertise in aligning digital solutions with real-world business needs. He is especially passionate about how technology can enhance the way banks and businesses operate. His focus goes beyond automation and efficiency to improving the overall experience for clients and internal teams. He works closely with businesses to design forward-looking solutions that simplify complexity and support long-term transformation. Outside of work, Karthik is a lifelong music enthusiast and avid gamer. He enjoys spending time in nature, volunteering in his community, and making meaningful memories with friends and family. Whether building strategy or building connections, he brings creativity, curiosity, and a people-first mindset to everything he does.

Sponsorship opportunities for the Regional Bank Conference are going fast. Please contact Matt Kaitz for RBC sponsorship opportunities.

A special thank you to our event host, Amegy Bank.
The 2026 Regional Bank Conference will be held October 21-22, 2026 at the Amegy Bank offices in Houston, Texas.

Amegy Bank Tower | 1717 W Loop S, Houston, TX 77027
Please note that we do not have a reserved room block for this event. However, there are several convenient hotels located nearby for your stay.
We recommend the following options in the Houston Galleria area:
These hotels are within close proximity to the Galleria area and provide easy access to major attractions, dining, and business districts.
“The BAFT RBC continues to be the most relevant event I attend every year. The topics, speakers, and attendees all relate very well to my role at my institution and contribute to very pertinent and open discussions.”
Cleveland, Ohio
“The RBC has a "special flavor" that has helped our institution build great long-term relationships with regional banks in the US.”
Monterrey, Mexico
“Passionate speakers! It's good we've included banks from other geographies as well. We would like to meet more of them and hear their perspective.”
Chicago, Illinois
“The format of the sessions fostered dialogue between the participants. It is a comfortable setting that encourages participants to talk openly.”
Seattle, Washington






















Interested in sponsoring the 2026 Regional Bank Conference? We can tailor your sponsorship package to meet your goals.
To discuss your sponsorship options, please contact:
Matthew Kaitz
Senior Director, Business Development
[email protected]
+1 (703) 200-9071