Banco Popular de Puerto Rico

David has over 25 years of experience in payments comprising marketing, new products, sales, operations and finance. He is President of NYPAY, the premier organization for payment leader and innovators in the NY region, and runs Broadly Curious Advisors, which helps firms profitably navigate the changing world of payments and mobile commerce. He has worked with both large and small firms, domestically and internationally, and has a passion for new technologies and their commercial application.David received his MBA from the University of Chicago Booth School of Business and his BA from Binghamton University. He has completed coursework at the Universities of Copenhagen, Denmark and Grenoble, France.

Kevin Moss is Executive Vice President and Chief Risk Officer responsible for managing Credit, Compliance, and Operating Risk for the Wells Fargo Consumer Lending Group. Moss joined Wells Fargo in 1998 and brings more than 29 years of banking experience to his current role. Prior to being appointed chief risk officer, he was the business manager for the National Home Equity Group. Kevin was also chief credit officer for the Home and Consumer Finance Group, in addition to leading the Consumer Risk Management team, helping Wells Fargo manage the credit and fraud risk in the organization�s Card Services and Deposit/Debit businesses. A former college professor, Moss has also participated on the advisory boards and steering committees for companies that provide risk management solutions to the financial services industry. Moss holds a bachelor�s degree in applied statistics from George Washington University in Washington, D.C., and a master�s degree in quantitative analysis from New York University.

Mercedes is of counsel in the Business and Finance Department and Practice Leader of the Privacy and Data Security Group. She is also a member of the Consumer Financial Services Group, the Bank Regulatory and Supervision Group, the Mortgage Banking Group, the software and business methods practice team in the Patents Group, and the Trademark and Copyright Group. Ms. Tunstall counsels clients on compliance with consumer financial services laws, including proscriptions against unfair, deceptive, and abusive practices as well as the investigations and proceedings of the Consumer Financial Protection Bureau created by the Dodd-Frank Wall Street Reform and Consumer Protection Act. She is also experienced with mobile and other e-commerce initiatives, privacy issues, and the delivery of financial services through social networking sites.

Rajit Bhalla is a cards operations and IT management professional with 13-plus years� experience in multiple geographies. In his current role with Genpact, Bhalla leads the banking practice for unsecured lending and retail KYC customer on-boarding process.His career began with GE Capital, in a joint venture with a leading card issuer, where he held positions including operations leader for customer onboarding and acquisitions, process transformation leader for migrations and new product initiatives, as well as leading the development of a new retail lending origination platform. He later joined Polaris, where he managed new IT implementation projects for Barclaycard that were focused on emerging markets.

Oxman brings two decades of technology and policy experience to ETA, the global trade association representing more than 500 financial and technology companies in the electronic payments industry. He joined ETA from the Consumer Electronics Association, owner of the International CES�, where he served as senior vice president of industry affairs. Previously, Oxman served as general counsel of a technology industry trade association and as vice president of a Silicon Valley-based technology company. Oxman also worked at the Federal Communications Commission to develop and implement technology and broadband policies. He began his legal career as a law clerk for the Maine Supreme Court, and he is also a former broadcast journalist. Oxman received his B.A. cum laude from Amherst College, and his M.S. and J.D. from Boston University.