Banco Popular de Puerto Rico

Margo Tank is a partner of BuckleySandler LLP. Ms. Tank advises financial services institutions and technology companies on structuring online and mobile financial services product offerings in compliance with the Electronic Signatures in Global and National Commerce Act (ESIGN) and the Uniform Electronic Transactions Act (UETA), and other state and federal laws governing electronic financial services transactions, electronic chattel paper, mobile payments and mobile wallets, prepaid access and virtual payment methods, and laws related to privacy and data security, money transmission, and unfair or deceptive acts and practices.Ms. Tank is co-author of The Law of Electronic Signatures and Records (West, a Thomson Reuters business, 2012-2013 Edition) and numerous articles on digital commerce and payments. �Ms. Tank's other activities include acting as the Co-Reporter for the Drafting Committee preparing the Standards and Procedures for Electronic Records and Signatures (SPeRS) (http://www.spers.org/), and advocacy before Congress and federal regulators with respect to electronic financial services issues as counsel to the Electronic Financial Services Council and the Electronic Signatures and Records Association. She was named a “2009 Mortgage Banking Technology All-Star” by Mortgage Banking Magazine. Ms. Tank is also a member of the American Bar Association's Business Law Section and the Committee on the Law of Commerce in Cyberspace, a member of the Electronic Transactions Association’s Mobile Payments Committee, and is on the xDTM Standard Board of Governors.Prior to joining BuckleySandler, Ms. Tank was a partner with Goodwin Procter LLP. Before entering private practice, she was counsel to the U.S. House of Representatives, Committee on Banking and Financial Services.�

CRAIG PATERSON has been Vice President Business Process Outsourcing Management since August 2012. He is responsible for developing the compliance processes for third party vendors for the credit and servicing areas of the business. Previously, he served as Vice President Loss Recovery from 2005 to 2012; Vice President Funding from 2004 to 2005; Vice President Collections from 2001 to 2004; and, Assistant Vice President Collections from 2000 to 2001. Prior to joining GM Financial, Craig had 16 years of experience with other auto finance companies. Craig is a member of ACA International and the Debt Buyers Association (DBA) and served as a panelist at the Collection and Recovery Symposium. He earned his Bachelor of Administration in General Business from Bowling Green State University.

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.

Ankush is Senior Director of Market Planning at LexisNexis Risk Solutions. In this role he is responsible for the strategy and revenue growth of LexisNexis� credit risk business, which includes the products RiskView and Lead Integrity.� These products use behavioral data to help lenders gain deeper insight into fraud and credit risk at all stages of consumer lending. Prior to joining LexisNexis in 2011, Ankush worked in corporate strategy at Dun & Bradstreet and as a senior consultant with GenPact.� Ankush holds a MBA from Duke University�s Fuqua School of Business and a B.S. in Management from the Georgia Institute of Technology.

Stefan Happ is Chief Commercial Officer, Enterprise Growth�at American Express. In this role, Stefan has P&L responsibility for the digital prepaid business across international markets and in the United States, including business development, client management, marketing and portfolio management for prepaid and new online and mobile payment capabilities and services, including the Lianlian Group digital wallet in China, Bluebird, in partnership with Walmart, and Serve, the company's next generation payments platform, as well as the AXP single load and gift card business.Previously, Stefan served as SVP and GM in the company's U.S. prepaid business, re-launching American Express Serve in 2013, which has won numerous industry awards and is now available in over 30,000 retail locations across the country, as well as leading the dramatic growth of the American Express Gift Card and Reward Card franchises in the United States and Canada. He has also spearheaded the company's introduction of the ground-breaking family of reloadable prepaid cards, both through the American Express E-commerce channel and through numerous distribution partnerships.Prior to moving to the U.S., Stefan spent ten years at a number of American Express divisions and functions in the UK and Continental Europe, and served as a board member on three joint ventures.He began his career at British Airways, where he held a number of positions of increasing responsibility in sales, marketing and operations in the United Kingdom as well as Central and Eastern Europe. He holds a BA from University College London and an MBA from Lancaster University Management School.�

George is a payments and IT expert who connects emerging technologies, like Bitcoin, to real world opportunities. He brings 10 years in payments technology and 25 years in IT and entrepreneurial management to help his clients at with strategy and market development. Besides Bitcoin, he works in payments security, mobile payments, and technology investment road mapping.Before joining Glenbrook Partners, George directed Mercator Advisory Group's emerging technologies advisory service. His entrepreneurial experience includes co-founder roles at payment identity firm Payment Pathways, internet service provider RapidNet, and business aviation online training firm DigiFlite.George is a Certified Smart Card Industry Professional / Payments (CSCIP/P).

Michael currently leads strategic direction and execution for Webster's Internet Banking channel, including Online, Mobile, Social Media and Product/feature Development.� He has over 15 years background in front-end web development and customer experience, spanning a variety of industries including Banking, Engineering, Law, Health Insurance, Retirement Services, and IT Consulting.

Garry Reeder is a Partner and Head of the Advisory Practice at Fenway Summer.Prior to joining Fenway Summer in June 2013, Garry served as the Chief of Staff of the U.S. Consumer Financial Protection Bureau (CFPB). He was a member of the original team at the United States Treasury Department charged with staffing the agency and setting its strategic, operational and policy priorities. As a Senior Advisor, he was directly involved with the creation and establishment of the Research, Markets & Regulations division and the Office of the Director and Deputy Director. Before joining the CFPB, Garry was a member of the Auto Team at the Treasury Department helping manage the government�s auto industry investments � including the $23 billion IPO of General Motors.� He also served on the senior staff committee of the Financial Stability Oversight Council, and as the deputy to an FDIC Director.Prior to entering public service, Garry spent a decade in the investment management business � at Ziff Brothers Investments covering financial institutions and at Sanford C. Bernstein & Co. covering the media industry. His financial institutions coverage focused on consumer finance companies, domestic banks and brokers, for-profit education and emerging market depositories. He has also worked as the Field Director for a congressional campaign and as an academic researcher.He is a graduate of Yale College and Columbia Business School. He lives in Washington, D.C. with his wife, a corporate communications trainer, and their two daughters.