Banco Popular de Puerto Rico

Alex Horowitz is a senior research officer with The Pew Charitable Trusts’ consumer finance project.

Chuck Harris has served as President of NetSpend since July 2010. With nearly 20 years of experience in the payments industry, Chuck brings to NetSpend a wealth of knowledge gathered during his career at well-known companies including Intuit, Electronic Clearing House (ECHO), Paymentech, and EDS. Prior to joining NetSpend, Chuck served as the General Manager of Intuit's Payment Solutions Division where he managed a 900-person team delivering payment solutions to millions of small businesses. Chuck is committed to providing industry leading financial services to the underbanked, empowering them to live their lives to the fullest.

Christopher Trepel, Ph.D. is a Partner at Fenway Summer, LLC and the Chief Credit Officer of FS Card Inc. In these roles, he manages FS Card�s credit team and augments classic credit underwriting and financial product development with cutting edge behavioral science. Chris previously served as Chief Scientific Officer at Encore Capital Group where he led the Decision Science team and founded the Consumer Credit Research Institute, a multidisciplinary, research-based effort to understand subprime credit consumer financial behavior. The group�s research has been presented at major scientific and trade conferences and showcased in the national press.Prior to Encore, Chris was a Vice President within Wells Fargo�s Enterprise Risk Management division, and also filled a strategic and analytic role within the bank�s Consumer Credit Group. He was formerly a consultant with McKinsey & Company, where he advised clients during M&A, business building, private equity, and operational improvement engagements.Chris has substantial academic research experience, including a doctoral degree in Experimental Psychology, postdoctoral fellowships in Neurophysiology and Behavioral Economics, and over 45 peer-reviewed publications and abstracts spanning five subject areas.

Mark Shelby Smith is CEO and Founder of Symbiont.io, Inc. Symbiont is the merger of MathMoney f(x) which was founded by Mr. Smith in September of 2013 and the founding team of Bitcoin 2.0 project Counterparty.io. As CEO Mark brings two decades of global experience in FinTech. He is a pioneer in creating and deploying disruptive technology to the foreign exchange ecosystem for both institutional and non-institutional customer segments.�During his career Mark has been a founder of 4 FinTech companies that have gone from start-up to exit including The NexTrade ECN, MatchBook FX, Lava Trading, and Anderen Bank of Tampa Bay.

BRANAN�W. COOPER�is senior vice president and director of Third Party Risk Management for The Bancorp Bank.�Mr. Cooper has nearly thirty years of experience in the financial services industry, with a focus on management of internal processes and controls—most notably in the area of third-party risk and operational compliance.Prior to his tenure at The Bancorp, Mr. Cooper served in a variety of senior management positions with MBNA America where he spent the first eighteen years of his post-graduate career, in addition to roles at Western Alliance Bancorp, Comcast and Bridgeforce, including leadership roles within bank operations, marketing, compliance and acquisitions. He completed his career at MBNA as an Executive Vice President working as part of the risk management / compliance integration team as the company was acquired by Bank of America.�Mr. Cooper received his undergraduate degree from Duke University, and completed the�Graduate School of Retail Bank Management�(Consumer Bankers Association) and the�Graduate School of Compliance Management�(American Bankers Association).

Jim Marous is an internationally recognized financial industry strategist, speaker, author and the publisher of both the Retail Banking Strategies section of�The Financial Brand�and the Digital Banking Report. He works with financial institutions worldwide on using customer insight and data to drive results. This includes developing innovative, multichannel solutions for acquisition, engagement, expanding share of wallet and retention. He has helped to successfully launch new products and services as well as build and reinforce existing products and brands.�Jim has presented at several SourceMedia conferences in the past, has recently spoken in London, Sydney and Slovakia on innovation in banking and is a regular contributor and recent guest host for the�Breaking Banks�broadcast hosted by Brett King.He can be followed on�Twitter�and�LinkedIn.

Wayne A. Abernathy is executive vice president for financial institutions policy and regulatory affairs at the American Bankers Association. Previously he served as assistant secretary of the Treasury for financial institutions and as staff director of the Senate Banking Committee.