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Arena Fernandez
Head of Digital Regulatory Initiatives
Amazon
Arena is a product leader with over fifteen years of experience driving financial innovation at the intersection of emerging financial technologies and regulatory strategy. Currently at Amazon, she leads Digital Regulatory Initiatives — including digital currencies, digital identity, and instant payments — and serves as a senior representative in governmental and industry working groups shaping the future of the payments ecosystem. She previously held roles at JP Morgan and Banco Santander, and holds a degree in Law and Political Sciences and an MBA from IESE Business School.
Speaking at SFF 2026
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2:10–2:30pmTue 17 NovMerchant AgendaInsights2040 Annual Meetings @ MBS L5Open
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1:00–1:30pmWed 18 NovMerchant AgendaMerchant Experience Zone (Hall 6)Open
Others
Trust Crossing: The Agent, the Merchant and the Invisible Border - Powered by Amazon
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Arena FernandezHead of Digital Regulatory InitiativesAmazon
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Giuliano Benjamin ClarkHead of Product, Agentic PaymentsAmazon
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Amira KarimHead of International Public Policy, Payments & Financial ServicesAmazonChair
About this session
What if paying across borders felt as easy as buying next door?
Follow a merchant and customer from today’s costly transactions into 2030, where real-time payments, stablecoins and AI agents could transform global commerce. Yet technology alone cannot eliminate the invisible tariff of payment friction. Shared trust standards, clear accountability and proportionate regulation are just as critical. Together, their stories reveal what it would take for merchants to reach new markets and customers to buy with confidence. -
