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Nirali is a Senior Product Manager at Forter, where she leads the development of scalable solutions to prevent fraud and policy abuse while preserving seamless customer experiences. With nearly a decade of product management experience, she works closely with global merchants to design configurable tools and policies that align risk mitigation with business goals. Nirali has spoken at industry events including MRC and NRF, and is recognized for her ability to translate complex fraud challenges into actionable, business-friendly solutions.
Arapit Patel, Vice President of Loyalty at AARP, is an accomplished technology and product leader with deep expertise in digital strategy, systems integration, and customer engagement platforms. With a background in technology consulting, Arapit has spent a majority of his career guiding organizations through complex transformation efforts—spanning cloud enablement, enterprise application development, and business-critical integrations.
A pivotal move to a smaller firm led Arapit to AARP, where he was recruited to lead the technical build-out of the AARP Rewards Loyalty Program. After successfully delivering the program’s digital infrastructure and launching it to millions of members, Arapit officially joined AARP to oversee the Rewards program. Under his direction, the program has evolved into a key engagement engine—driving member value, member retention, and digital innovation.
Victoria Dravneek is senior vice president and director of Loyalty Strategy Platforms at PNC Bank. In this role, she is responsible for envisioning loyalty experiences that drive client retention and asset growth, including the new PNC TotalRewards experience. In addition, she is responsible for driving greater satisfaction and retention as well as deepening clients across PNC's retail, small business and private bank businesses. Prior to joining PNC in 2023 Dravneek spent the past decade leading Bank of America's loyalty efforts, including the development, strategy and engagement for their award-winning Preferred Rewards client-centric loyalty program; the first of its kind in the industry. Dravneek also led the BankAmeriDeals card-linked offer program, development of their Partner Rewards program, created Bank of America's My Rewards portal, introduced personalized video to the company and introduced personalized rewards insights via Bank of America's Erika virtual assistant platform. Dravneek also has a history leading payments innovation and execution, fraud strategy and developing personalization strategies. Prior to banking, she spent a decade in digital start-ups, developing business and digital strategies and content for a range of businesses, including Viacom, iVillage, Women.com and Honeywell. She also filed over 50 patents on the subjects of rewards, data usage, personalization, blockchain, virtual and augmented reality and more. She received Bachelor of Arts in English literature and a Bachelor of Science in economics from The King's College.