Barbara Negron

Roadblock Title:

Debugging Bank Integrations: Ledgers, Timing Gaps, and Compliance Failures

Time:

Wednesday - 10:30 AM (Windows)

Abstract:

Everyone knows how to connect to APIs. What no one talks about are the failures that happen after the integration—transaction mismatches, ledger drift, ACH/RTP timing gaps, OFAC conflicts, duplicate controls, delayed posting events, failed onboarding, and compliance conflicts that break code unexpectedly.

This talk walks developers through the real integration pitfalls encountered when building on bank partners and middleware platforms. Attendees will receive reusable checklists, workflow patterns, and architectural templates to diagnose issues faster and build safer, more scalable fintech products.

Bio:

Barbara J. Negron is SVP and Managing Director of Embedded Finance and Partnerships at Cogent Bank, where she leads strategy across embedded finance, payments, and digital banking. She brings over a decade of experience building and scaling fintech and banking infrastructure across ACH, RTP, card issuing, APIs, identity, fraud, compliance, and ledger systems.

Prior to Cogent, Barbara was a product leader at FIS, where she helped shape embedded banking capabilities and supported the launch of embedded finance solutions, working closely with fintechs, engineers, and bank partners to design scalable onboarding, automate compliance processes, and enable complex money movement.

Her work focuses on bridging the gap between fintech innovation and bank execution, helping teams navigate integration challenges, regulatory expectations, and operational realities. She is a frequent speaker on embedded finance and building in regulated environments, with a focus on practical frameworks and real-world implementation.