Banco Popular de Puerto Rico

Terry Pierce is Senior Product Manager for CO-OP Financial Services, a financial technology provider to credit unions based in Rancho Cucamonga, Calif. (www.co-opfs.org). Pierce can be reached at terry.pierce@co-opfs.org and (800) 782-9042, ext. 6178.

Peter has over 30 years’ experience in all aspects of the payments industry; currently focused on EMV, NFC and mobile payments. �His key strengths are prepaid processing, program management, ATMs, self-service and applying payment skills to industries outside banking.Peter’s client list includes Thales, Qwest, MARTA, InComm, Coinstar, Hypercom, Intercept Payment Solutions and many others.� He founded Maverick Network Solutions, a prepaid processing authorization platform that sold to Fiserv in 2011.� He’s held board seats with the Smart Card Industry Association and the Smart Card Alliance.� Former employers include the MTA, Manny Hanny and NCR.Peter is President and CEO of Quadagno & Associates, Inc.� He has a BS in Chemistry (’74) and an MBA in Finance (’79) from the University of Florida.

Philippe Benitez is vice president of business development at Gemalto, where he leads regional development efforts to increase card revenue for financial institutions through mobile payments, EMV and other services. Prior to Gemalto, he worked with Schlumberger in Paris.

Thomas Good has thirty years of prominent legal, business and regulatory experience.� Highlighting his experience, Mr. Good has served as General Counsel for: SquareTwo Financial Corporation (2006 - 2014) and Asset Acceptance Capital Corporation (2004 - 2006.).� Mr. Good is a two time graduate of the University of Michigan).

Ned Canning is an e-commerce Product Manager at Vantiv, a payment processing and technology company.

Anita is a Director in ACG�s Roundtable practice and brings more than 20 years experience in the financial services industry working with the some of the leading global financial institutions across a number of industry sectors. She currently manages a number of ACG roundtables including the Compliance Roundtable which consists of more than twenty of the largest credit card issuers. Prior to joining ACG, Anita spent nearly 14 years at JPMorgan managing large institutional client relationships, strategic planning, developing marketing strategy for a multibillion dollar line of business and launching new products. Her experience has also included management roles at AIG and Oppenheimer Capital. Anita has served as the client expert across these organizations to develop solutions for complex issues across multi discipline areas that includes legal, technology, finance, products and operations.�Anita earned a BA from John Jay College, CUNY and received an MS from The New School for Public Engagement, Milano School for International Affairs, Management and Urban Policy.

Julie Paulina is the Vice President, Client Enrichment for Capio Partners, one of the largest healthcare debt purchasers in the country and has been employed there for 6 years. Her responsibilities include: maintaining all Capio house accounts, liaison between operations, sales, marketing and customer service, contract negations, and RFP support. Prior to Capio, she worked for Portfolio Recovery Associates as Associate Vice President, Healthcare Acquisitions, where she came on board build their healthcare debt purchasing program. She also worked as Marketing Manager and interim Executive Director of the Foundation for Bon Secours Health System in the Hampton Roads area.

James Mendelsohn is the chief operating officer and chief revenue officer at Breakout Capital Finance. He was formerly the chief marketing officer at CAN Capital. Mendelsohn also worked at the consulting firm McKinsey & Company, where he advised global clients in the financial services sector on marketing analytics, market intelligence, digital strategy, and customer experience.

As chairman and chief executive officer of Heartland Payment Systems, Robert (Bob) O. Carr is responsible for the strategic direction and growth of the company. Bob co-founded Heartland with Heartland Bank in 1997, quickly building the foundation for an end-to-end credit, debit and prepaid card processing engine. Under his guidance, Heartland has become a FORTUNE 1000 company; grown from 25 to more than 3,900 employees; from 2,500 to 300,000 business locations and from a portfolio of $0.4 billion in bankcard volume to more than $100 billion. Heartland ranks as the fifth largest payment processor in the U.S. and eighth globally, according to The Nilson Report.Over the years, Bob has written numerous articles educating associates on the inner workings of the payment processing industry and encouraging his peers to join him in adopting policies that treat merchants and fellow businesses equitably. He also spearheaded the Merchant Bill of Rights ? a revolutionary public advocacy initiative to promote fair card processing practices on behalf of all business owners. Bob has been at the helm of an industry collaboration movement to thwart cybercriminals ? and help protect business owners, consumers, payment processors and financial institutions. He was active in the formation of the Payments Processor Information Sharing Council (PPISC) and served as chair of its steering committee. Bob has also been a driving force in the development the Heartland E3� end-to-end encryption technology that is designed to protect cardholders� data throughout the lifecycle of card transactions.Bob started his career as an instructor at Parkland College in Champaign, Illinois. At the age of 22, he was elected president of the college faculty and named director of the college�s Computer Center. A year later, he was hired by the Bank of Illinois to establish a new profit center providing computer services to small businesses. In 1972, Bob started a software and consulting firm for small and mid-sized businesses, providing the first integrated accounting system offered on microcomputers.In 2003, Bob was awarded the bankcard industry�s first Lifetime Achievement Award. Ernst and Young named him Entrepreneur of the Year in 2004 and again in 2007. On Aug. 11, 2005, he rang the bell on the floor of the New York Stock Exchange to celebrate Heartland�s initial public offer (IPO), which was 21 times oversubscribed, breaking PayPal�s previous industry record of 12 times oversubscribed.In 2006, Bob earned the Walter Aikman Entrepreneur Award. In 2007, he received the �Best Executive� honor by American Business Awards and later was named the Technology CEO of the Year by the Eastern Technology Alliance. In 2008, 2009, 2010 and 2014 Heartland was named the �Best Service Company to Sell For� by Selling Power magazine. In 2009, Bob was awarded the Beta Gamma Sigma Medallion Award for Entrepreneurship and in 2013 was named Innovator of the Year by the Princeton Regional Chamber of Commerce.Bob received his Master of Science degree in computer science and Bachelor of Science degree in mathematics from the University of Illinois -Urbana-Champaign. He also received an honorary PhD from Lewis University where he currently serves on the Board of Trustees.He is the founder of the Give Something Back Foundation, which provides financial support to college students from poor and working-class backgrounds. He is also the co-author of �Through the Fires: An American Business Story of Turbulence, Triumph and Giving Back� (Amazon, 2014).

As chairman and chief executive officer of Heartland Payment Systems, Robert (Bob) O. Carr is responsible for the strategic direction and growth of the company. Bob co-founded Heartland with Heartland Bank in 1997, quickly building the foundation for an end-to-end credit, debit and prepaid card processing engine. Under his guidance, Heartland has become a FORTUNE 1000 company; grown from 25 to more than 3,900 employees; from 2,500 to 300,000 business locations and from a portfolio of $0.4 billion in bankcard volume to more than $100 billion. Heartland ranks as the fifth largest payment processor in the U.S. and eighth globally, according to The Nilson Report.Over the years, Bob has written numerous articles educating associates on the inner workings of the payment processing industry and encouraging his peers to join him in adopting policies that treat merchants and fellow businesses equitably. He also spearheaded the Merchant Bill of Rights ? a revolutionary public advocacy initiative to promote fair card processing practices on behalf of all business owners. Bob has been at the helm of an industry collaboration movement to thwart cybercriminals ? and help protect business owners, consumers, payment processors and financial institutions. He was active in the formation of the Payments Processor Information Sharing Council (PPISC) and served as chair of its steering committee. Bob has also been a driving force in the development the Heartland E3� end-to-end encryption technology that is designed to protect cardholders� data throughout the lifecycle of card transactions.Bob started his career as an instructor at Parkland College in Champaign, Illinois. At the age of 22, he was elected president of the college faculty and named director of the college�s Computer Center. A year later, he was hired by the Bank of Illinois to establish a new profit center providing computer services to small businesses. In 1972, Bob started a software and consulting firm for small and mid-sized businesses, providing the first integrated accounting system offered on microcomputers.In 2003, Bob was awarded the bankcard industry�s first Lifetime Achievement Award. Ernst and Young named him Entrepreneur of the Year in 2004 and again in 2007. On Aug. 11, 2005, he rang the bell on the floor of the New York Stock Exchange to celebrate Heartland�s initial public offer (IPO), which was 21 times oversubscribed, breaking PayPal�s previous industry record of 12 times oversubscribed.In 2006, Bob earned the Walter Aikman Entrepreneur Award. In 2007, he received the �Best Executive� honor by American Business Awards and later was named the Technology CEO of the Year by the Eastern Technology Alliance. In 2008, 2009, 2010 and 2014 Heartland was named the �Best Service Company to Sell For� by Selling Power magazine. In 2009, Bob was awarded the Beta Gamma Sigma Medallion Award for Entrepreneurship and in 2013 was named Innovator of the Year by the Princeton Regional Chamber of Commerce.Bob received his Master of Science degree in computer science and Bachelor of Science degree in mathematics from the University of Illinois -Urbana-Champaign. He also received an honorary PhD from Lewis University where he currently serves on the Board of Trustees.He is the founder of the Give Something Back Foundation, which provides financial support to college students from poor and working-class backgrounds. He is also the co-author of �Through the Fires: An American Business Story of Turbulence, Triumph and Giving Back� (Amazon, 2014).