Head of Payments. Enterprise Strategy
TD
Gretchen is an Entrepreneurial-minded Product Leader with experience designing and launching global financial and non-financial products in multiple areas including Fintech & Payments, e-Commerce, Cybersecurity, Identity & Trust. Her career encompasses product development, business growth, and tech consulting. Passionate about innovative payment solutions, she currently focuses on faster payments, AI, and other related technologies shaping the future of money movement. She is dedicated to delivering seamless and secure payment solutions that benefit both businesses and consumers, consistently pushing the boundaries of innovation in the payments industry. Currently working at TD Bank, enabling payment experiences for Consumer and Commercial clients.
Legacy cores were not built for a world of continuous settlement and programmable money. As payments accelerate toward real-time and financial products become logic-driven, banks face a fundamental question: can existing infrastructure evolve—or must it be replaced?
This session explores how leading institutions are rethinking ledger architecture to support T+0 settlement, 24/7 operations, and condition-based transactions. From tokenized deposits to modern core overlays, executives will examine what it takes to move from batch processing to intelligent, real-time financial systems—and where to start.