August 17-20, 2020
Omni Hotel
Dallas, TX

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Engage with an unparalleled lineup of diverse expertise

Thought leaders. Change agents. Futurists. Revolutionaries. Each year, THINK’s lineup of internationally-renowned speakers from both inside and outside the movement is thoughtfully curated to reflect the grandest challenges (and opportunities) of our time. Don’t miss your chance to put your “next” into action by learning key strategies from the world’s best.

Mainstage Speakers

Chief Product Officer, Adobe Entrepreneur & Author
Author, Behavioral Scientist & Harvard Business School Professor
Tastemaker, Chef & Disruptor
Affectiva Co-Founder & Chief Executive Officer

Scott Belsky is Adobe’s Chief Product Officer and Executive VP of the Creative Cloud. Scott’s primary focus is making Creative Cloud a creativity platform for all. As chief product officer and executive vice president, Creative Cloud, Scott leads product management and engineering for Creative Cloud products and services, Adobe Spark, and Behance, Adobe’s community of 10 million creatives. Scott also oversees Adobe’s Design team, which is responsible for experience design across all Adobe products.

Prior to joining Adobe in December 2017, Scott was a venture investor at Benchmark in San Francisco. This is Scott’s second tenure at Adobe. He originally joined the company after it acquired Behance in 2012. At that time, he led Adobe’s mobile strategy for Creative Cloud. Scott co-founded Behance in 2006 and served as its CEO for six years.

Scott is the author of Making Ideas Happen: Overcoming the Obstacles Between Vision and Reality (2010) and The Messy Middle: Finding Your Way Through the Hardest and Most Crucial Part of Any Bold Venture (2018).

Scott has been an advisor on design and product management for leading companies and organizations, including Adidas, Pentagram, Pinterest, Proctor & Gamble, Facebook, and the United States Government. In 2010, Fast Company included Scott on its list of “100 Most Creative People in Business.”


Francesca Gino is an award-winning researcher and teacher who focuses on why people make the decisions they do at work, and how leaders and employees have more productive, creative and fulfilling lives.

She is the Tandon Family Professor of Business Administration in the Negotiation, Organizations & Markets Unit at Harvard Business School and the author, most recently, of “Rebel Talent: Why it Pays to Break the Rules in Work and Life.” Gino is also affiliated with the Program on Negotiation at Harvard Law School, the Mind, Brain, Behavior Initiative at Harvard, and the Behavioral Insight Group at Harvard Kennedy School. She co-chairs HBS Executive Education programs on Behavioral Economics (focused on how to apply behavioral insights to organizational problems) and Driving Profitable Growth.

Gino has been honored as one of the world’s Top 40 Business Professors under 40 and one of the world’s 50 most influential management thinkers by Thinkers 50. Professor Gino has won numerous awards for her teaching, including the HBS Faculty Award by Harvard Business School’s MBA Class of 2015, and for her research, including the 2013 Cummings Scholarly Achievement Award, from the Academy of Management Organizational Behavior Division. Her studies have also been featured in The Economist, The New York Times, Newsweek, Scientific American, Psychology Today, and The Wall Street Journal, and her work has been discussed on National Public Radio and CBS Radio.


Roy Choi is a tastemaker, chef, and disruptor.

In 2008, Roy Choi and a crew of friends & family started what would be the beginning of the intersection between food, technology, culture, entrepreneurship, and long lines. That comet was called Kogi BBQ and it made a splash on the streets of LA, being the first to use Twitter and usher in a whole new generation of eaters and followers to what would be called America’s first viral restaurant by Newsweek.

Roy was named Food & Wine Best New Chef 2010, TIME 100 Most Influential People in the World 2016, LA Times Restaurant of the Year 2017, and has an award-winning New York Times Bestseller memoir called, L.A. Son: My Life, My City, My Food.

He resides in Los Angeles, California where he oversees Kogi BBQ, Chego!, A-Frame, Alibi Room, LocoL, and his first restaurant outside California called Best Friend at Park MGM, Las Vegas. Roy is co-producer on the movie Chef and executive producer/co-host on the subsequent, The Chef Show on Netflix. He is also executive producer and host of the socially conscious television show Broken Bread on KCET and Tastemade, and is a highly recognized speaker at events and panels worldwide.


A pioneer in Emotion AI, Rana el Kaliouby, Ph.D., is Co-Founder and CEO of Affectiva, and author of the forthcoming book Girl Decoded: A Scientist’s Quest to Reclaim Our Humanity by Bringing Emotional Intelligence to Technology. A passionate advocate for humanizing technology, ethics in AI and diversity, Rana has been recognized on Fortune’s 40 Under 40 list and as one of Forbes’ Top 50 Women in Tech. Rana is a World Economic Forum Young Global Leader and a newly minted Young Presidents’ Organization member and co-hosted a PBS NOVA series on AI. She holds a Ph.D. from the University of Cambridge and a Post Doctorate from MIT.

Chief Executive Officer, Taco Bell
Financial Editor, NBC’s TODAY Show
CEO, Entrepreneur, Columnist & Author
CEO, Acorns

As Chief Executive Officer of Taco Bell Corp., Mark King is responsible for driving overall brand strategy and performance of the business in the U.S. and internationally. Drawing on his retail experience and track record of driving innovation, brand relevance, and culture, King accelerates the innovation, sales growth, and unique brand identity that makes Taco Bell a Category of One.

Before joining Taco Bell, King served as president of adidas North America from 2014-2018. Under his leadership, adidas market share doubled in under three years and sales tripled in four years. In addition, King cultivated new energy for the company’s culture resulting in the double number of employees at adidas, an industry-shattering retention rate, the highest employee net promoter score in the company, and more than 500,000 job applications in one year.

Prior to adidas, King spent 34 years at TaylorMade, quickly rising from a territory sales representative to president of TaylorMade in 1999 and CEO in 2002. During King’s tenure as president and CEO, TaylorMade became the leading and most profitable golf company in the world, catapulting the business from $300 million to more than $1.85 billion in sales.

Learned from his nearly 40-year career, King believes in creating the right atmosphere to unleash the potential of people to make extraordinary breakthroughs happen. As a leader, he steers with a belief system based in keeping a growth mindset, investing in people, and encouraging an innovative culture to achieve success.

In 2017, Footwear News honored King with the number one spot on their Power 100 list and in 2016 they named him “Person of the Year.” Also, in 2017 and 2016, King was named “Executive of the Year” by the Portland Business Journal. He served as the chairman of the National Golf Foundation and was consistently named as one of the ten most power people in golf during his years at TaylorMade-adidas Golf.

King currently serves on the Board of Directors for the V Foundation Victory Over Cancer. Together with his daughters, he has also raised more than $10 million for children charities around the world through their OneKind Foundation.

King graduated from University of Wisconsin – Green Bay with a bachelor’s degree in Business Administration.


Jean Chatzky launched HerMoney Media and in 2018 to provide women with information about money they can actually trust.

The award-winning financial editor of NBC Today, Jean has also appeared on shows including Oprah, MSNBC, CNN, The View, The Talk and many others. Millions have tuned into her podcast, HerMoney with Jean Chatzky which has received shoutouts from The New York Times, Yahoo Finance and Refinery29. The best-selling author of 11 books and an in-demand motivational speaker, Jean is also AARP’s Financial Ambassador and a fierce advocate for financial literacy. In 2015, she partnered with the PwC Charitable Foundation and Time for Kids to launch Your $, an in-school magazine that reaches 2 million school children each month. Her most recent book, Women with Money: The Judgement-Free Guide to Creating the Joyful, Less Stressed, Purposeful (and Yes, Rich) Life You Deserve, is available now.


Dr. Margaret Heffernan produced programs for the BBC for 13 years, after which she moved to the US where she spearheaded multimedia productions for Intuit, The Learning Company and Standard&Poors. She was Chief Executive of InfoMation Corporation, ZineZone Corporation and then iCast Corporation. Dr. Heffernan was also named one of the “Top 25” by Streaming Media magazine and one of the “Top 100 Media Executives” by The Hollywood Reporter.

The author of six books, Margaret’s third book, Willful Blindness: Why We Ignore the Obvious at our Peril was named one of the most important business books of the decade by the Financial Times. In 2015, she was awarded the Transmission Prize for A Bigger Prize: Why Competition isn’t Everything and How We Do Better, described as “meticulously researched…engagingly written…universally relevant and hard to fault.” Her TED talks have been seen by over eleven million people and in 2015 TED published Beyond Measure: The Big Impact of Small Changes. Her most recent book, Uncharted: How to Map the Future will be published in 2020.

She is a Professor of Practice at the University of Bath, Lead Faculty for the Forward Institute’s Responsible Leadership Programme and, through Merryck & Co., mentors CEOs and senior executives of major global organizations.

She holds an honorary doctorate from the University of Bath and continues to write for the Financial Times and the Huffington Post.


Born in New York City’s East Village, Noah Kerner is the CEO of the micro-investing app Acorns and cofounder of the shareholder rights start-up Say. His background is colorful: 4X entrepreneur, coauthor of “Chasing Cool” with the former CEO of Barneys, and former DJ for Jennifer Lopez. In his 20s, Noah built the leading creative agency for the young adult market, Noise. Before being acquired by Engine, Noise developed hundreds of products and marketing campaigns for this generation including Facebook’s first application, the first credit card to reward responsibility rather than spending for Chase, Vice’s music site Noisey, and the top branded game in the App Store.

Noah has been recognized as one of Billboard Magazine’s “Top 30 Under 30,” Adweek’s “Top 20 Under 40,” Fast Company’s Innovation Agents and Impact Council members, and as a judge for the Webby Awards. He has also advised and invested in a variety of fast-growing start-ups, including WeWork, where he served as the first chief strategy and marketing officer from 2013-2014.

Passionate about educating today’s youth, Noah has lectured on entrepreneurialism, fintech, and media at NYU, UCLA, Stanford, and Columbia, and currently serves on the Board of VH1′s Save The Music Foundation. Noah is a graduate of Cornell University where he studied psychology and economics.

Author, Journalist & Executive Director, Flow Research Collective
President/CEO, CO-OP Financial Services
Chief Experience Officer, CO-OP Financial Services
Chief Product Officer, CO-OP Financial Services

Steven Kotler is a New York Times Bestselling Author, award-winning journalist and Executive Director of the Flow Research Collective. The author of Stealing Fire, The Rise of Superman, Abundance, Bold, and The Future is Faster Than You Think, Kotler shows companies how to unlock their potential and level up their game like never before. His bestselling books and research decode how scientific and technological breakthroughs are radically changing the world for both businesses and individuals, and how to stay ahead of the curve. Whether it’s an optimistic view of how technology and innovation can help us solve life’ s greatest challenges; or how bold thinking can transform the way your organization problem solves; or how science can help your team send performance through the roof; Kotler is a master storyteller who decodes our new world with enthusiasm and optimism to provide what the Wall Street Journal called “a manifesto for the future that is grounded in practical solutions addressing the world’s most pressing concerns.”

An international pioneer in the fields of innovation, technology and human performance, Kotler has spoken to and consulted with everyone from Fortune 100 companies to the US Special Forces. He explores the mental tactics utilized by high performing organizations like Google and the Navy Seals, and details how today’s top entrepreneurs—Larry Page, Jeff Bezos, Richard Branson, and Elon Musk—have learned to think at scale and perform at speed—the core requirements for creative disruption.


Todd Clark is President/CEO of CO-OP Financial Services, having begun his tenure on June 27, 2016.

Throughout his career, Clark has specialized in identifying technology gaps in the market and determining how emerging technology will fill those gaps, all with an aim of uncovering efficiencies for smaller financial institutions.

Prior to CO-OP, Clark spent 22 years with First Data Corporation, where he last held the position of SVP/Head of STAR Network and Debit Processing. In this capacity, he was responsible for the business unit’s profit/loss and led a team of more than 600 product, strategy, communications, strategic sales, technology, operations and support personnel. He also managed the Bank of America relationship as head of the financial institution group.

Clark also has entrepreneurial experience, co-founding a start-up company called Core Data. This organization was sold to Concord EFS, which later merged with First Data. At the time of sale, Core Data had become the second largest ATM processor in the United States. He was also an executive with Cardtronics, Inc., and Feedzai.

Clark holds a BA in economics from University of Texas at Austin.


Samantha Paxson is Chief Experience Officer for CO-OP Financial Services (, architect of the company’s go-to-market brand and customer experience strategy, delivered through message, product, value chain and systems. An accomplished speaker and thought leader, Paxson founded CO-OP THINK, an innovation content platform empowering the evolution of mission-driven financial services.

Over her 20 year career, Paxson’s focus has been on the intersection of technology, purpose and experience to evolve the organization and meet the needs of the market. Paxson is a proponent of intraprenuership: innovating on the space between functional areas, by brokering tight relationships and strategies between a network of teams – transforming the organization for ongoing algorithmic improvement across the ecosystem. Dedicated to the growth of the CO-OP brand, she’s helped boost and secure a 15 point NPS (Net Promoter Score) hike, transforming her function to be a digital content and experience powerhouse, and creating the largest industry following in owned and earned channels.

Paxson is a graduate of the University of Southern California with a degree in Journalism and Social Sciences. She is also an advisor to the OpenIDEO Challenge on “Financial Empowerment,” a USCCU Board Member, CUNA Marketing Awareness Board Member, NCUF Board Member, CUCollaborate Board Member and CMNH Board Member.


Bruce Dragt joined CO-OP Financial Services in November 2018 as Chief Product Officer. Dragt has specialized in growing technology-driven companies, both start-ups and large, established companies.

In the two-plus years prior to joining CO-OP, he served as Executive Vice President, Product, for YapStone, a provider of electronic payment systems that help online and mobile companies with their payment transactions. Before that, Dragt spent more than 13 years holding multiple senior-level roles with First Data Corporation, including SVP, Global eCommerce-Merchant Products. Additional payments and financial industry experience includes work with i2 Technologies, Financial Settlement Matrix and Wells Fargo.

Activation Session Speakers

Protect Group Leader, CO-OP Financial Services
VP, Data Management & Analytics, CO-OP Financial Services
Chief People Officer, CO-OP FS
VP, Corporate Strategy & Business Performance Management, CO-OP FS

Ajay Guru, Protect Group Leader for CO-OP Financial Services brings a wealth of experience and knowledge in the fraud and risk space.

He is an 18-year veteran of the payments, fraud, risk sector, including work with First Data as Vice President, head of Merchant Fraud Solutions, and he holds an MBA in Entrepreneurship and Innovation Management from North Carolina State University.


Catherine Maloney is Vice President, Data Management and Analytics, for CO-OP Financial Services, where she leads our Data Governance practice. She has presented at THINK and CO-OP Roadshows with her advice on how to build a solid data quality culture where processes are clear, messages are consistent and everyone is held accountable for their role in data management.

Prior to joining CO-OP in June 2018, Catherine spent more than sixteen years with Bank of America Merrill Lynch focusing on Operational Risk and Data Management. She holds a Bachelor of Science degree in Finance from Clemson University.


Cheryl Middleton Jones joined CO-OP Financial Services as Chief People Officer in November 2018, bringing more than 20 years of human resources and change management experience within large organizations to help lead CO-OP’s transformation as a digital enterprise.

Jones joins CO-OP from Discovery, Inc., a mass media company operating the Discovery Channel and others, where she was Senior Vice President of Human Resources. In this capacity, Jones was responsible for defining and executing strategy and creating consistent structures, systems and operating plans involving 4,000 employees around the world. Earlier this year, she oversaw Discovery, Inc.’s global HR transformation following the acquisition of Scripps Networks Interactive. Prior to joining Discovery, Inc., in 2011, she worked for ING, the financial services company, from 2001-2011; and Honeywell, the high tech company, from 1994-2001.


David has worked exclusively in financial services during his 15+ year career in the retail, business, and wholesale banking space. His prior positions include strategic planning and implementation at both ABN AMRO and Lehman Brothers and, most recently, as a senior manager at EY in the Performance Improvement practice. He attended Penn State and Duke University.

Award-Winning Financial Journalist
Founder of Life Shucker
SVP & Chief Data Officer, CO-OP Financial Services
Host of The Brainy Business Podcast

Ilyce Glink is an award-winning financial journalist, television and radio personality, syndicated columnist, and the founder of four Chicago-based companies. Her latest company is Best Money Moves, a cloud-based, mobile-first platform that employers give to their employees use to measure and dial down financial stress, lowering turnover and absenteeism while fostering engagement, productivity, and better health outcomes. Best Money Moves won a medal at the 2017 Next Great HR Tech Company competition, is on Shortlister’s Top 20 Financial Wellness Providers list, was on the Workplace Magazine Financial Wellness 2018 Hotlist, was named a 2019 Top 50 Startup by Built in Chicago and is a finalist for the 2019 Health Value Awards.

Her financial journalism work appears on and dozens of newspapers, including the Washington Post, Los Angeles Times and the Chicago Tribune. Her corporate clients include everything from Fortune 1000 companies to start-ups, and she has written more than a dozen books on money and real estate, with nearly one million books in print. She also is a regular contributor and talk show host for WGN Radio and sits on the advisory board of eCredable and the YWCA of Metropolitan Chicago’s Impact Investing Advisory Council.


Jessica Zemple, founder of Life Shucker, helps individuals and organizations find their deeper purpose and translate that into authentic success through transformative coaching, workshops, and retreats. Jessica is also a keynote speaker and has written for Huffington Post, Inc., and Thrive Global. Jessica’s life coaching philosophies and techniques have been featured in Entrepreneur, Forbes, Huffington Post, and Inc.

Jessica created Life Shucker with the idea that we all have created shells to protect us from various aspects of life. Eventually the once protective shells start to hold us back from reaching our greatest potential. It is then time to shuck the shell open with love to let your pearl shine leading to more meaningful success.

Jessica’s journey started by managing organizational transformations through mergers, acquisitions, and divestitures for over fifteen years. She is an expert on building synergistic cultures to drive stronger results by focusing on the strengths of every organization’s greatest asset – their people.


Matthew Maguire is the Chief Data Officer for CO-OP Financial Services, based in Rancho Cucamonga, California (, a payments and financial technology company serving credit unions. Maguire joined CO-OP in August 2017 and reports to Nick Calcanes, the company Chief Information Officer.

In addition to advancing the company’s broad technology goals, Maguire plays an instrumental role in helping CO-OP’s credit union clients make greater use of their data with emerging technologies, such as machine learning and artificial intelligence. Maguire joins CO-OP from Bank of America where he spent more than 10 years honing his global technology experience. Most recently serving as a senior vice president, he was responsible for leading the bank’s data application development, operations and support, an effort that required leadership of hundreds of full-time employees, consultants and global partners. Other areas of expertise Maguire has developed over a nearly 20-year career in technology include business intelligence tools, identity access platforms, global information security requirements, data sharing agreements, data visualization/dashboards, as well as integration, consolidation and enhancement of critical enterprise data management platforms.


Why do people say one thing and do another? What really drives behavior? How does the brain actually work – and how can we best communicate with it? What does that mean for companies?

Melina Palmer, host of The Brainy Business podcast, has dedicated her career to seeking answers to these questions for herself and her clients. Melina uses behavioral economics to help everyone from global corporations to entrepreneurs understand the psychology of why people buy, unlocking the secrets of small changes that make a big difference via her podcast, public speaking, and column on The result is messaging, branding, advertisements, pricing and products that are more “brain friendly” (meaning more leads, conversions, and revenue).

Director of Product Development, CO-OP Financial Services
Chief Operating Officer, CO-OP Financial Services
Principal, Digital Transformation Leader, Banking & Capital Mrkts, EY
Group Owner, Integration Products, CO-OP Financial Services

Michelle Thornton is a Director of Product Development at CO-OP Financial Services. She is a seasoned leader with over two decades of experience in FinTech, focused on delivering state-of-the-art solutions to credit unions.

Michelle’s unique ability to make the complex simple has made her the natural leader of many new initiatives over the years, such as EMV, Digital Wallets and Data Analytics. Her passion for data driven decision making and user centric design fuels her current focus on empowering success through actionable data.

Prior to CO-OP, Michelle worked for Harland Clarke, formerly Liberty Enterprises, an organization designed exclusively for credit unions.


Chief Operating Officer Nick Calcanes joined CO-OP in April 2017 from financial technology solutions provider Fiserv, where he was CIO for Financial Risk Management Solutions.

His 25-year career in the financial services industry includes key technology leadership positions as CIO, Wholesale Credit and Client Technology, at Bank of America Corporation and CIO, Global Functions Technology, at Ally Financial. In these roles, Calcanes managed technology strategy and oversaw the IT functions for 1,000-plus person organizations and multi-millions in budgets. His experience includes transforming IT strategy to realign people, processes and technology across business operations, as well as increasing performance outputs. Calcanes’ focus at CO-OP is to elevate CO-OP’s technology strategy and build out infrastructure to continue its transformation as a digital company.


Nikhil is a Principal in EY’s Financial Services Office (FSO), where he leads the digital transformation agenda for the consumer financial services industry spanning banking, wealth management and insurance. Nikhil works extensively with many leading consumer finance clients to develop customer strategies and new value propositions to drive growth and competitive advantage, and to devise digital and technology strategies to help clients modernize and transform into platform-based enterprises. Nikhil has 20 years of experience sitting at the intersection of business, product, customer, and technology. He possesses deep business strategy acumen along with practical technology platform and transformation experience, which uniquely positions him as a trusted transformation advisor to many of the industry’s leading firms.

Nikhil also leads EY’s NextWave Financial Services agenda, which focuses on setting a vision for the future of the financial services industry. In this capacity, Nikhil is responsible for formulating EY’s vision and strategic hypotheses about how the financial industry will get reshaped, and for conducting empirical primary research to identify the key catalysts that will drive the change. Most recently, Nikhil led the launch of EY’s NextWave Consumer Financial Services thought leadership, a comprehensive market study about the forces that will fundamentally reframe consumer finance. He meets regularly with financial industry CEOs, Board Members, startup founders, regulatory, and policy leaders to advance the industry dialog and to stay at the forefront of the key challenges and constraints leaders face across the entire financial ecosystem.

Nikhil is also a passionate teacher who has guest lectured at the graduate programs of Indiana University, Carnegie Mellon University, and Columbia University on the topics of business transformation, digital strategy, and emerging technologies.

Nikhil earned his B.S. in MIS and Computer Science from The College of New Jersey and his MBA in Strategy from The Wharton School of the University of Pennsylvania.


Nish Modi has over 20 years of experience in product innovation, strategy and leadership in Finserv, Fintech, Payments and eCommerce industries.

He was one of the early & leading innovators of online banking, bill payments and business banking in late 1990s-early 2000s. He holds of 3 patents for omni-channel merchant acquiring, business intelligence (merchant acquiring & processing) & digital commerce technologies. Prior to joining CO-OP Financial Services, held leadership roles at First Data, eBay, Worldpay and a couple of growth stage companies helping them grow by significant multiples resulting in very successful exits.

SVP, Technology Delivery and Support, CO-OP Financial Services
Managing Partner, Laurence Ventures
SVP, Group Product Manager, CO-OP Financial Services

Pam Brodsack is Senior Vice President of Technology Delivery and Support at CO-OP Financial Services.

A nearly 30-year veteran of the financial services sector, Pam applies her expertise in application development, analytics, and engineering to the strategic enhancement and integration of technology solutions. Her current focus is on the discovery, development and implementation of solutions that will help credit unions digitally transform to meet changing financial consumer expectations. Pam’s extensive experience as designer of propriety software gives her a unique view into innovation, allowing her to quickly identify scalable solutions that are most likely to enhance and grow the credit union movement.


As a blockchain pioneer and entrepreneur, Tiana’s passion is building and growing great companies.

She is an active angel investor and author. More recently, she authored the second edition of “Blockchain for Dummies,” a #1 Bestseller on Amazon, and “Introduction to Blockchain Technology.” Tiana co-founded Factom Inc., an enterprise software company, and now serves as an advisor for companies and governments. When she is not writing, reading, or working, Tiana enjoys yoga, rock climbing, and skiing. Tiana regularly writes articles in industry news outlets and has a standing column on TechTarget. She is a member of Rotary International and can speak French, Spanish and English. She earned a Bachelor of Arts in Business and Leadership from Portland State University.


Tom Church-Adams is Senior Vice President, Head of Pay Solutions Line, for CO-OP Financial Services (, a provider of payments and financial technology to credit unions. He joined CO-OP in October 2019, and is responsible for developing and delivering the company’s Pay set of products and services, including Credit, Debit, Prepaid and Digital Wallets

Church-Adams is a customer needs-driven senior product leader who has managed product and business strategy for some of the most recognized brands in the world. His experience ranges from managing card product growth at American Express, HSBC and Capital One, to driving the partner experience for Intel’s software partner program. Most recently, he spent more than four years in senior leadership roles with First Tech FCU, where he directed the credit union’s consumer lending and card and payment groups, launching and managing multiple lending and debit products.

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