

Embedded Finance 2025 Outlook - leveraging technology to drive innovation
Fintechs have revolutionized how we move, manage, and access money. They’ve introduced features like digital wallets, peer-to-peer payments, and earned wage access.
But none of these offerings would exist without banks.
Sponsor banks provide the regulatory and operational backbone that fintechs rely on — and now, after a couple of years of intense regulatory scrutiny, they’re taking back control.
So, what happens next?
Join us on March 4th as we explore the evolving relationship between fintechs and banks.
In this webinar, we will explore:
How banks are adapting to shifting competitive dynamics.
The role of embedded finance in driving new revenue streams.
The emergence of compliance as the competitive advantage.
Don't miss out; learn what 2025 has in store for banks, fintechs, and the future of BaaS and embedded finance.
Ana Liza Grandner
Ana Liza Grandner is an Executive Vice President, Chief Payments Officer at First Bank of the Lake. Grandner is an internationally recognized leader in the Fintech banking space, bringing over 16 years of experience in the digital payments ecosystem and Private Label Banking. She joins First Bank of the Lake as Executive Vice President, Chief Payments Officer, where she will drive the bank’s payments strategy and oversee the development of its Private Label Banking product, aimed at supporting the evolving needs of Fintech partners.
With a distinguished career across both banks and FinTechs, Grandner has been a driving force in building and optimizing financial systems that shape the future of digital banking for industry leaders such as Google Wallet, Chime, Varo, Simple, Seed, Walgreens, Bento and many others, guiding them through critical build, financial enhancements and product innovations. Her development of a cutting-edge Third-Party Risk Framework and Compliance Management System has been widely adopted as a best practice, underscoring her pivotal role in advancing financial strategies and setting new benchmarks in the digital finance sector.
Prior to First Bank of the Lake, Grandner served as Vice President, Head of Fintech Banking and Head of the Payroll Protection Program, where she led efforts that made the bank the top community bank for issuing and supporting Payroll Protection Plan (PPP) loans. Her strategic vision has been recognized by numerous global financial institutions and conferences, including the Most Influential Women in Payments Summit at Card Forum, where she delivered the keynote address and the International Payments Group, where she delivered the keynote address in the Croatia.
Grandner comes from some of the most influential institutions in the space, including Cross River Bank, Bancorp Bank, Bank of America, Citibank and The Vanguard Group.
Grandner holds a TRIUM Global Executive MBA, jointly issued by NYU Stern School of Business, London School of Economics, and HEC Paris. She also earned a BA in Psychology from Yale University. Fluent in both English and Spanish, Grandner's global perspective has been a key asset throughout her career.
Phil Goldfeder
With nearly two decades of experience at the intersection of the public and private sectors, Phil Goldfeder currently serves as Chief Executive Officer of the American Fintech Council (AFC), a leading industry association representing responsible financial technology (fintech) companies creating critical access to safe and affordable financial services. AFC, comprised of the nation’s largest fintech companies, fosters innovative, transparent, and responsible products that promote competition, consumer protection, and financial health, inclusion, and equity. AFC is committed to robust industry standards, with a focus on consumer protection and regulatory compliance, in addition to advocating for and embracing appropriate government regulation.
Before joining AFC, Goldfeder served as Senior Vice President of Global Public Affairs at Cross River, a financial institution and technology infrastructure provider that offers embedded financial solutions. In this role, Goldfeder founded the Online Lending Policy Institute (OLPI) and has been a leader in shaping the new financial services landscape since early 2015. At the onset of the COVID-19 pandemic and the passage of the CARES Act in March 2020, Goldfeder helped lead the Cross River team to mobilize internally and offer a streamlined and automated system to provide more than $12 billion in PPP funding to the most vulnerable small businesses in every state, as well as additional short-term relief efforts to communities in the company’s footprint and beyond.
He previously served as an elected member of the New York State Assembly representing diverse neighborhoods of Queens, N.Y. After most of his district was devastated during Superstorm Sandy, Goldfeder lead recovery efforts with a specific focus on partnering with the banking and insurance industry to help rebuild his community and reform outdated policies. He was the author of transformative banking and insurance modernization legislation and was also a key legislative leader on a diverse array of issues. Prior to his election, he served as a senior advisor to Senate Majority Leader Chuck Schumer (D-NY) and New York City Mayor Michael Bloomberg.
Phil’s career in public service and expertise in leadership, crisis management, as well as his ability to enact positive change and develop deep relationships with diverse leaders on both the local and national levels, has put him at the forefront of innovation across banking and technology industries. He is an active industry leader as he engages policy makers and regulators, provides thought-leadership, and is frequently invited to speak on panels, roundtables, and conferences globally on banking, technology, financial literacy, and the new financial services landscape.
Maxime Seguineau
Maxime is an economist, former tech entrepreneur, quant hedge fund founder and private investor. He is a founding Managing Partner at Raido Capital Partners.
Raido Capital Partners invests in technology companies and funds powering the financial domain. We focus on the adoption of new tools and technologies that improve business processes, reduce operational risks and drive incremental growth across the financial landscape. We are committed to a world where financial services are highly accessible, efficient and fair through the use of technology.
Maxime is a graduate from the University of Chicago Booth School of Business, Bocconi University, and Sciences-Po. CAIA Charterholder.
Alex Johnson
Alex Johnson is the founder and author of Fintech Takes, a media brand focused on the collision of banking and technology. In his 2x weekly newsletter and weekly podcast, Alex explores the ideas and companies changing the way that money works, with plenty of analogies and pop culture references along the way!
Prior to joining Workweek, Alex spent 15+ years in various marketing, strategy, and market research roles at companies including Cornerstone Advisors, FICO, and Mercator Advisory Group.
He is a recognized financial industry expert and his analysis has been featured in American Banker, The Wall Street Journal, and NBC Nightly News. Alex lives in Montana and spends his spare time hiking and chasing his young children around.