Tom is currently the Head of Commercial Payment Products with M&T Bank. His team manages payment products leveraging ACH, Wire and Instant Payments for business and commercial clients of M&T Bank. In addition to his role with M&T Bank, Tom currently is a member of the NACHA board of directors . He has had a lengthy career in the payment space at Peoples United Bank, Chemical Bank and Citibank. During his career, Tom has held roles in Service, Operations, Product Management and New Product Development, managing large and small teams. In his current role at M&T, he is responsible for the Commercial Bank strategy around faster ACH and Real Time Payments and has been directly involved in all major industry changes for the past 15 years through collaboration with The Clearing House, NACHA, NEACH, The Federal Reserve Bank, as well as numerous FinTech providers. He has spoken on a wide range of topics such as Risk and Fraud, Business Email Compromise, Real Time Payments, Client UX, ACH Rules and Same Day ACH.