Banco Popular de Puerto Rico

Joanna has over 26+ years of business and marketing experience ranging from Fortune 500 experience to early start-ups and bootstrap companies. Her passion is to identifying customer problems and then solve them by applying technology �when and where� it intersects the real world. Her recent focus is centered around mobile users and shoppers, their behavior and expectations, and the applicability and effectiveness of targeted micro/nano marketing to these users.

Steve leads efforts with Financial Institutions and other major partners at edo. Steve is focused on working with leading financial institutions and channel partners to deliver valuable targeted offers to their customers using the latest technology. He is also the general manager of edo�s New York office. Prior to his role at edo, Steve ran Woodbury Advisors LLC, a payments consultancy he founded. Steve was CEO of Mobile Money Ventures, a JV funded by Citigroup and SK Telecom, that was acquired by Intuit in 2011, and has held senior roles at Citi and JP Morgan Chase in their retail banking and credit card units. Steve earned his B.A. in Political Science at State University of New York and an M.B.A. in Marketing from Baruch College.

Sean Harper is a Director of Product Management for Groupon Payments. He joined Groupon in 2012 when Groupon acquired FeeFighters, a company that he co-founded in 2010. The technology that Sean and his team developed at FeeFighters became the basis for Groupon Payments, which launched nationally in September 2012. Prior to starting FeeFighters, Sean worked at two early stage venture capital firms, was a management consultant at BCG and co-founded TSS-Radio, an online retailer that was ranked #94 on the Inc. 500 in 2009. Sean earned an AB in Economics and an MBA from the University of Chicago and lives in Chicago.

A 20-year veteran of the merchant payments industry, Dodd Roberts is a member of the executive leadership team for the Merchant Customer Exchange (MCX), working with more than 30 national retailers in an unprecedented effort to bring a merchant- and consumer-friendly mobile-commerce platform to the marketplace.Prior to MCX, he spent 14 years in various payment-industry posts. He’s also the former President and CEO of the Merchant Advisory Group (MAG). While leading the MAG, Dodd was a vocal advocate for merchants, representing the merchant community on several industry boards and committees.

Matt Scarborough has led Bridgeforce, multi-national consulting firm focusing on consumer and small business lending and payments, to new levels of client services, expanding resources to both broaden and deepen capabilities. Through his vision and leadership courage, Matt has expanded the Bridgeforce reach, adding new business segments and geographies to the company portfolio and greatly increasing both the scope and the scale of problem-solving and plan implementation services the company can provide.Prior to becoming CEO Matt led the company’s international and capital markets practices, whose clients include some of the world’s largest banks and investment firms. Matt started his career at MBNA and subsequently was the founding CEO of EnsuredMail, a software company that provided security solutions for banking, healthcare, and governmental agencies.�

Arlyn Davich is the Founder and CEO of PayPerks: a financial capability and rewards platform for the underserved consumers. PayPerks pairs engaging tutorials about the features and benefits of right-sized financial products with the excitement of sweepstakes-based incentives to drive behavior changes that are profitable for financial service providers and positive for low- and middle-income consumers.

Jim Rau is an Associate General Counsel -- SVP with Bank of America. Jim and his legal team support Bank of America�s Consumer and Small Business Online and Mobile business. Jim�s team also provides support for Consumer Online and Mobile Privacy, Digital Marketing, ATM, and Sourcing teams.Previously, Jim was the lead privacy lawyer for Bank of America and managed Privacy Legal team for Bank of America.Jim began his career as attorney with MBNA America Bank, N.A. in 1995. He earned his Bachelor's degree in 1989 from Bucknell University. In 1995, he received his JD with honors from Widener University (Evening Division) where he was a staff member of The Delaware Journal of Corporate Law.Jim is a member of the Delaware Bar.

Juan is EVP of Strategic Partnerships and Chief Transparency Officer at Bitreserve.org, a cloud-based payment network that allows members to remove bitcoin�s volatility and merchants to receive payments at zero cost.He co-founded, and until recently was the EVP and Compliance Officer of�Unidos Financial Services, Inc., an innovative financial services and technology provider catering to merchants and under-banked end consumers in the USA and Latin America.� He is responsible for the formulation and execution of the�company�s technology strategy, as well as its AML and compliance risk management infrastructure.� Previously, he was Chief Compliance Officer of Remesas Quisqueyana, Inc. in New York City.He is a member of the Bitcoin Foundation's Regulatory Affairs�and Education Committees, Co-Chair of DATA�s AML Working Group, writes about risk and virtual currencies in his blog (ContrarianCompliance.com), is an advisor and board member at various crypto-currency and technology start-ups.A�Certified Anti-Money Laundering Specialist since 2003, Juan has over a decade�s experience of building and managing AML/CFT and regulatory compliance programs for multiple international jurisdictions, including Canada, Italy, the United States and Spain, and is recognized as a pioneer in the development of compliance and risk management best practices for the money transfer industry.�Juan has been a lecturer, moderator, panelist and organizer of Anti-Money Laundering, Regulatory Compliance, and Bitcoin conferences, seminars, workshops and webcasts on dozens of occasions. �He is an international thought leader in applied technology, hands-on skills for success, operational excellence and leadership in the AML Compliance and e-payments domains.�In August of 2008, Juan was granted permanent resident status by the United States Citizenship and Immigration Services by reason of extraordinary ability in the fields of Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT).

Jay Reinemann is a seasoned business development executive with broad-based expertise in venture capital, financial services and technology. He has over twenty years of diversified financial services and business development experience working in start-ups and at Fortune 500 companies.Mr. Reinemann is the Head of BBVA Ventures, the strategic venture arm for BBVA S.A., a global retail financial group founded in 1857 with over 50 million customers in 33 countries.� Some of BBVA�s investments include:� SaveUp, Radius, SumUp, 500 Startups, Ribbit Capital and Simple.Prior to BBVA, he led Visa Inc�s venture program focused on delivering strategic and financial to the world's largest payments company through investments and global partnerships with emerging technology companies. Mr. Reinemann was also an executive at Andersen Consulting, Old Kent Bank and Trust (Fifth Third Bank) and social commerce startup Ticket Truck (Sohalo).��