I'm thrilled to welcome Troy Dennis, Head of Digital Transformation for North America at Mastercard. Troy brings over two decades of experience in fintech innovation, payments strategy, and product leadership across some of the most influential financial institutions in North America.

Today, I'm thrilled to welcome Dr. Lucia Guillory, Chief People Officer at Virta Health and a fascinating example of someone who's successfully bridged the worlds of academia and corporate leadership. Lucia's journey offers a masterclass in combining analytical thinking with human-centered leadership.