Banco Popular de Puerto Rico

Hormuzd Karkaria is vice president of software product management and marketing at Diebold Nixdorf.

Harry Wilson is a senior associate at the innovation firm Claro Partners. He can be reached on Twitter @_harrywilson.

Steve Horvath is vice president of marketing and product strategy for CoreSource and is responsible for all corporate marketing initiatives, as well as the continued development of health and wellness programs and other value-adding products from CoreSource. He has more than 20 years of experience in managing health insurance administration organizations. Steve can be reached at shorvath@coresource.com.

Donald Light is the Director of Celent's Americas Property/Casualty Insurance Practice. His coverage areas include: technology and business strategy, transformative technologies such as digital strategy and the Internet of Things, new business and underwriting, policy administration, claims, M&A due diligence.His recent consulting work includes: developing a strategic IT plan for a specialty insurer, vendor selection advisory work for rating, policy administration, and claims; a build vs. buy analysis for core systems; and several due diligence projects for acquisitions.Mr. Light is widely quoted in the press and media, including The Wall Street Journal, The New York Times, Financial Times, The Economist, NBC and CBS Evening News, CNBC, National Public Radio. Heis a frequent presenter at industry conferences including those sponsored by ACORD, LOMA and IASA.Prior to joining Celent, Mr. Light was an insurance subject matter expert with Sapient and for his own firm Donald Light Consulting, where he advised senior managers at major insurers and other financial institutions. He has also held a senior research position in Allstate's Research and PlanningCenter. Light has a B.A. cum laude in economics from PrincetonUniversity, and an M.B.A. from the University of California, Berkeley.

Steven Callahan, ChFC, CLU, FFSI, FLHC, FLMI/M is a senior consultant and practice development director for The Robert E. Nolan Co., a management consulting firm specializing in the insurance industry.

Jim Strebler is a senior consultant for the Robert E. Nolan Co., a management consulting firm specializing in the insurance industry.

Hayden Jones is a Managing Consultant for the Robert E. Nolan Company, a management consulting firm specializing in the insurance industry.

Karen Monks is an analyst in Celent's insurance practice, and can be reached at kmonks@celent.com.