Banco Popular de Puerto Rico

Paolo Zambonini is the Executive Vice President of Product and Marketing at Network International, where his responsibility is to ensure that the organisation develops and brings to market products that anticipate and reflect global and regional trends within the payments sector.�Paolo heads a team that supports the business development and client management divisions to raise awareness of Network International�s product portfolio among new and existing clients.Paolo's�career has been spent mainly in the payments, retail�banking and venture capital industries, in a number�of countries including the USA, UK and South Africa. He holds an MBA (cum laude) from the University of the Witwatersrand, South Africa, in addition to an EMBA from TRIUM�(New York University (USA), London School of Economics (UK) and H.E.C. (France)).�

Glenn S. Vician is the President and Chief Compliance Officer of American Acceptance Co., LLC, a privately-held debt buying company in the state of Indiana. American Acceptance was founded by him in 1998, and during the past 15 years has purchased numerous portfolios of consumer debts regarding accounts in Indiana and Illinois. He has been a continuous member of DBA International (and the Debt Buyers Association) since 1998, and in 2013 became the first individual to earn DBA Certification both as an individual and on behalf of his debt buying company. Mr. Vician is also a senior partner in the law firm of Bowman Heintz Boscia & Vician, P.C., which is one of the largest creditors rights law firms, with collection operations in Indiana and Illinois. He graduated from Valparaiso University, earning a B.A. Degree in 1975, with scholastic honors, and a J.D. Degree in 1977. Glenn has been a speaker at several Continuing Legal Education Programs, speaking on various topics related to Creditors Rights and the FDCPA, and has published related articles. Mr. Vician has also been very active during the past two years with DBA International related to the DBA Certification process and with regard to CFPB and FTC compliance issues. Glenn was appointed by the DBA Board of Directors to the DBA Certification Task Force in April, 2012, and also served on the Standards Subcommittee and the Education Subcommittee of the Task Force. In 2013, he was appointed as a Member of the DBA Certification Council and was further appointed as Chairman of the DBA Remediation Committee. He also continues to be active as a Board Member of various Foundation and Educational Institutions.

Joseph Kirkpatrick, president and managing partner at Kirkpatrick Price, holds the CISA, CGEIT, CRISC and QSA certifications as a certified specialist in data security, IT governance, and regulatory compliance. He has delivered auditing and security assessment services for more than 14 years.

Nick Jarman is President & COO at Delta Outsource Group, Inc. located in the metropolitan St. Louis, MO area. He currently serves on the Board of Directors for ACA International and is the past President of the Missouri Collectors Association.� His operational focus is on bridging technology and analytics with real time workflow strategies in order to improve productivity, profits, and liquidation. He is adamant that the collection process must be done the �right way� and that collectors must always remain professional, respectful, and compliant. He also uses analytics to develop proprietary scorecards that evaluate collector, client, and overall company performance. He believes in management through open communication, creating a positive work culture, and establishing clear expectations with accountability.

Dean Nicolacakis is a Principal in PwC�s Financial Services Practice and co-leads the banking team in the US. Dean is responsible for the Financial Services Research Institute, the Financial Services practice Though Leadership group. Dean advises CEOs, CIOs and other senior executives on strategic issues such as customer experience, the optimal leverage of their delivery channels, new product innovation, information strategy, transformational change initiatives, and the strategic use of technology to achieve business and growth objectives. Dean has depth across multiple sectors of Financial Services including Retail Banking, Payments, Lending and Brokerage.Strategy Competencies:Channel Strategy (online, mobile, contact center)Product Innovation, Product DevelopmentInformation StrategyIT Strategy & PlanningBehavioral EconomicsBusiness/IT aligned planningTransformation Mobilization and Execution