Banco Popular de Puerto Rico

Erin Fonte is a Member and payments lawyer with Dykema. Her practice includes advising FinTech companies, financial institutions, alternative payments providers, vendors and retailers on a broad range of matters related to financial technology, banking and financial services, digital commerce, technology/Internet products, advertising/coupons/offers, geolocation, privacy and data protection issues (CIPP certified). She frequently writes and speaks on payments, mobile payments, FinTech and privacy/data security issues. You can follow her on Twitter: @PaymentsLawyer.

Alejandro M. Sanchez is president and CEO of the Florida Bankers Association.

James Bygland is Chief Information Officer and Executive Vice President of Bank SNB.� Bank SNB is a subsidiary of Southwest Bancorp, Inc. with its headquarters being located in Stillwater, Oklahoma.� Bank SNB has $2.4 billion in assets, operating 30 offices in Oklahoma, Texas, Kansas and Colorado. ��Mr. Bygland joined Bank SNB in 2013.� Since that time, he has played an integral part in developing and implementing a successful technology strategy for the corporation that has allowed Bank SNB to offer a sophisticated product set that competes with the product offerings of financial services companies of all sizes.� In addition to his CIO duties, he is responsible for vendor management, business innovation, information security, deposit operations, business intelligence, project management and remittance processing.�Prior to joining Bank SNB, Bygland was EVP/CIO at West Coast Bancorp where he served in a similar capacity from 1998 to 2013.� In addition to his bank management experience, Mr. Bygland’s career spans more than 30 years including bank technology and operations consulting; and data center management.A native of Nebraska, Bygland attended the University of Nebraska-Lincoln where he earned a bachelor's degree.�

David Baris is partner at BuckleySandler and president of the American Association of Bank Directors.

Mirella deRose is an associate with Lewis Baach Kaufmann Middlemiss and formerly principal counsel in the enforcement department of the Financial Industry Regulatory Authority.

Michael S. Barr is dean of the Gerald R. Ford School of Public Policy at the University of Michigan. The views expressed are his own, and not those of the school or university. As assistant secretary for financial institutions with the U.S. Department of the Treasury, Barr was a key architect of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

Dave Russell is vice president of enterprise strategy at Veeam. He is responsible for driving strategic product and go-to-market programs, spearheading industry engagement and evangelizing Veeam’s vision for the Hyper-Available Enterprise, and works closely with the executive leadership team in accelerating the company’s growth in the enterprise. Most recently he held the role of vice president and distinguished analyst at Gartner with a focus on storage strategies and technologies

John A. Costa is a managing director for Auriemma Consulting Group and runs the corporate finance practice.

Tamar Frankel is a law professor and Michaels research scholar at Boston University School of Law. She is author of "Trust and Honesty: America's Business Culture at a Crossroad."