Emerging FinTech Trends (FinTech Track) Monday, May 21 3:00 p.m. 4:00 p.m.

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1 Emerging FinTech Trends (FinTech Track) Monday, May 21 3:00 p.m. 4:00 p.m. Join FINRA staff and industry representatives as they discuss how recent developments in financial technology (FinTech) are disrupting the securities industry. Topics include RegTech, automated investment advice and other advances in FinTech. Moderator: Kavita Jain Director FINRA Emerging Regulatory Issues Panelists: Boris Khentov President Betterment Securities Joseph Nadreau Managing Director, Innovation & Strategy Wells Fargo Advisors Vijay Sankaran Chief Information Officer TD Ameritrade 2018 Financial Industry Regulatory Authority, Inc. All rights reserved. 1

2 Emerging FinTech Trends (FinTech Track) Panelist Bios: Moderator: Kavita Jain is Director in the Office of Emerging Regulatory Issues within FINRA s Department of Risk and Strategy. In this role, she assists the Office in identifying and analyzing new and emerging risks and trends related to the securities industry, and developing strategic responses to potential issues. Some examples of current areas of her work include FinTech, blockchain technology, artificial intelligence, RegTech and online capital-raising platforms. During her tenure at FINRA (previously NASD), Ms. Jain has served in key positions in the Offices of Emerging Regulatory Issues, Finance and Strategic Planning. Ms. Jain has an M.B.A. from the University of Southern New Hampshire and a CRCP Certification from the FINRA Institute at Wharton. Panelists: Boris Khentov is President of Betterment Securities, the FINRA member broker-dealer entity of the first and largest independent robo-adviser. Since launching in 2010, Betterment has grown rapidly, and today manages $13 billion in assets for 350,000 customers. In the process, it has raised $275 million in venture capital. Mr. Khentov oversees all of Betterment's operations. He was an early employee, bringing a mix of engineering and legal experience to a leadership role, working closely with teams of software engineers to automate and scale Betterment s back office operations across multiple regulated entities. He played a key role in the development of Betterment s suite of automated tax optimization services, including taxloss harvesting and asset location. He also led design of the regulatory framework for Betterment for Business, the company s direct-to-employer 401(k) offering. Before joining Betterment, Mr. Khentov practiced tax and capital markets law at Cleary Gottlieb Steen & Hamilton LLP, and has a J.D. from Northwestern Law. Prior to that, Mr. Khentov was a software engineer at Antenna Software, and has an A.B. in Computer Science from Harvard University. Joe Nadreau is the managing director of the Innovation and Strategy Group at Wells Fargo Advisors, LLC, responsible for the continuing evolution of the business platforms for the firm s Financial Advisors and clients. Mr. Nadreau also sits on the Wells Fargo Advisors Operating Committee. Mr. Nadreau has worked in the financial services industry for more than 20 years. He joined Wells Fargo Advisors in 1999 as the firm s chief e-commerce officer and continues to position the firm s overall business platform and investment process to meet the strategic goals of the organization. Prior to joining the firm, Mr. Nadreau worked for the IBM Consulting Group as a senior business strategy consultant, at PaineWebber as an internal consultant/auditor, and as a capital markets officer/trader at Chase Securities. Mr. Nadreau attended Penn State University and earned a dual bachelor s degree in finance and international business. He received his MBA in finance from New York University s Stern School of Business. He is on multiple nonprofit boards in the St. Louis community and served as the chairman of the WFA United Way campaign. He is also the executive sponsor of the WFA Veterans Team Member Network. Mr. Nadreau holds FINRA Series 7 and 24 registrations and is a member of the FINRA Tech Advisory Committee. Vijay Sankaran is Chief Information Officer at TD Ameritrade. He is responsible for leading all aspects of technology at TD Ameritrade including solution delivery, operational stability, cybersecurity and innovation. Mr. Sankaran has championed a major initiative around agile development to transform the software delivery approach and platform to increase throughput. He is keenly focused on bringing innovation through technology at TD Ameritrade through the introduction of new concepts such as artificial intelligence, speech and bot interfaces, blockchain, and big data. Mr. Sankaran leads the TD Ameritrade Ann Arbor, Michigan site which he has fostered from concept to a collaborative innovation center now staffed with more than 130 individuals. Prior to joining TD Ameritrade, Mr. Sankaran held several senior leadership roles at Ford Motor Company. IT Chief Technology Officer leading advanced technology, technology strategy, data, analytics and architecture across the enterprise. Director, Application Development where he was responsible for global application development, and delivery of major programs and projects. Director, Infrastructure Operations where his responsibilities included operational support for infrastructure and Ford's largest data centers in North America. Prior to joining Ford, Mr. Sankaran was a consultant with both Ernst & Young LLP and Headstrong where he focused heavily on analytical systems. Mr. Sankaran holds a B.S. in Computer Science from the Massachusetts Institute of Technology and an M.B.A from Duke University's Fuqua School of Business Financial Industry Regulatory Authority, Inc. All rights reserved. 2

3 2018 FINRA Annual Conference May 21 23, 2018 Washington, DC Emerging FinTech Trends (FinTech Track)

4 Panelists Moderator Kavita Jain, Director, FINRA Emerging Regulatory Issues Panelists Boris Khentov, President, Betterment Securities Joseph Nadreau, Managing Director, Innovation & Strategy, Wells Fargo Advisors Vijay Sankaran, Chief Information Officer, TD Ameritrade FINRA Annual Conference 2018 FINRA. All rights reserved. 1

5 Resources For additional information on FINRA s FinTech and Innovation initiatives, please visit FINRA Annual Conference 2018 FINRA. All rights reserved. 2