Banco Popular de Puerto Rico

Mark Gilder is the Director of ATMs and Mobile Deposits for Citibank-US. Mark is chartered with ATM Strategy, P&L, identifying and implementing next generation capabilities for ATMs, and with delivering ATM distribution at 35,000 fee free locations in the US. Mark also represents the U.S. business on the Citi Global ATM Channel Advisory Council. He is a strategic payments leader who has successfully built and launched differentiating services, including Citi�s Mobile Check Deposit, ATM Image Deposits, and has a proven track record of managing technology-driven growth strategies in Retail Debit, Credit Cards and Student Loans.Before joining the Retail Bank in 2007, Mark led the Client Service Team for Citibank Online where he was instrumental in delivering the first Citi Mobile application. Previously, Mark was the Chief Operating Officer of The Student Loan Corporation. Prior to joining Student Loans, he was Executive Vice-President, International Leveraging at Citi Cards. Mark joined Citi Cards in 1999 and has been Business Manager of both the AT&T Universal Card and the Citi Platinum Card Portfolios. Before joining Citi, he managed Database Marketing for GE Capital Global Consumer and Retailer Financial Services from 1993 -1999.� He has also worked in the Pharmaceutical and Defense industries in the development and marketing of database applications.

Jonathan L. Pompan, a partner in the Washington, DC office of Venable LLP, co-chairs the firm�s Consumer Financial Protection Bureau (�CFPB�) Task Force. His practice focuses on providing comprehensive legal advice and regulatory advocacy to a broad spectrum of clients, such as nonbank financial products and services providers, nonprofit organizations, and trade and professional associations, before the CFPB, the Federal Trade Commission (�FTC�), state Attorneys General, and regulatory agencies. Mr. Pompan is widely recognized as one of the leading credit counseling and debt services attorneys in the country. Mr. Pompan represents numerous clients in the debt buyer and collections, and the credit counseling and debt services community, including nonprofit tax-exempt credit counseling agencies, housing counseling agencies, and a substantial number of industry-related service providers. Mr. Pompan is a frequent speaker and author on legal and regulatory issues of significance to providers of consumer financial products and services, advertisers and marketers, and nonprofit organizations. Mr. Pompan joined Venable after serving as in-house associate counsel at an industry trade association. In addition, while in law school, Mr. Pompan worked at the Federal Communications Commission and Bureau of Consumer Protection at the FTC. Mr. Pompan received his J.D. from the Washington University School of Law, and his B.A. from The George Washington University.

Ralph Marcuccilli is the president and founder of Allied Payment Network. Headquartered in Fort Wayne, Ind., Allied is a provider of online and mobile bill payment services to the financial industry and was established to change the way bill pay products are delivered to millions of business and retail internet banking users.Prior to founding Allied, Marcuccilli worked for STAR Financial Bank for 19 years, a $1.7 billion Indiana-based community bank known for its quality service culture, personalized banking solutions and innovative use of technology.

Marc Barach leads Jumio�s worldwide marketing efforts and brings over 20 years of marketing innovation and operational experience in emerging technologies and the financial sector to the company.Previously, he served as CEO of mobile applications company Emotive, chief marketing officer of enterprise search SaaS pioneer Marin Software and CMO of Ingenio, where he sparked the creation of pay-per-call technology � a multi-billion dollar adtech product that lead to Ingenio�s acquisition by AT&T in 2007.Barach served as CMO of online insurance provider InsWeb leading up to the company's $100 million initial public offering and he's held executive positions at a number of financial institutions, including Charles Schwab and First Nationwide Bank.

Jon Wallgren currently serves as a Director at Kohl's. His responsibilities include managing the Kohl's Charge Compliance area and relationships related to accepting non-Kohl's Charge payment types. Prior to Kohl's, his experience includes roles at Chase Card Services and HSBC/Household International managing private-label card programs for various retailers. He and his family live in Wisconsin.

Genevieve Juillard is the President of Experian�s consumer credit bureau operations in the United States. In this role, Genevieve oversees the delivery and management of value-added credit risk, marketing, and collection products to help clients manage and optimize their customer relationships. Before assuming the leadership for Experian consumer information services in the United States, Juillard was the Managing Director for Experian Australia Credit Services, a joint-venture with six of Australia�s largest financial institutions. She has held various leadership roles within Experian and other institutions across multiple industries, is an alum of UC Berkeley, and holds an MBA from UCLA.

Linda Pappillion, CPP, is the Senior Director of Payroll and HR Operations for Pacific Sunwear of California, Inc., and PacSun stores. Certified in Payroll for more than 10 years, Linda is an active member of the American Payroll Association (APA) and serves on the Government Affairs Task Force, APA Paycard User Group, Board of Contributing Writers, and the APA Retail Subcommittee. Linda brings more than 20 years of payroll experience and has facilitated sessions at both the APA Annual Congress and ADP�s Meeting of the Minds. She is also the recipient of the 2011 APA Citation Award.

Steve DuPerrieu is the director of product management at Computer Services Inc.