Banco Popular de Puerto Rico

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).

Tequea Batson-Diaz, upcoming Author of�Employee Engagement: How to Make Business Personal�and �the owner of Visible Dreams Coaching, LLC where she assists individuals, professionals, and organizations in building plans that move motivated minds to magnificent results. Tequea designs coaching plans based on the needs of the individual or organization she is coaching helping them identify their gaps, overcome performance barriers, and build ways to create buy in.�Tequea fell in love with coaching over 16 years ago, and has a long list of organizations with whom she has worked. By recognizing that people do more and do it more consistently when they are doing it for themselves rather than for the companies they work for, she was able to build teams that dominated performance in multiple lines of business. After breaking multiple company records in performance achievements, Tequea began coaching leaders to create the same results, discovering her life�s calling.As a Leadership Development coach she is passionate about providing leaders the tools they need to excel while reigniting their passion to lead. As a Performance coach, Tequea quickly identifies barriers to performance and has mastered the formula for bridging gaps to optimum results quickly. As a Life Coach, Tequea is excellent at asking the questions that help you understand how your actions are impacting your desired results and inspiring you to build a plan that is sure to exceed what you expected to achieve!Some of Tequea�s clients include NICE Systems, First Bank, Direct TV, Colorado, Illinois, Florida, Virginia & Alabama 811, Cable Vision, and Mobile RF Solutions | WSSI as well as individual leaders in various industries and organizations.

Jean-Noel Georges is global program director for information and communication technology at Frost & Sullivan.� Prior to joining Frost & Sullivan, he was a manager at Gemalto, where he was responsible for smartcard personalization software development and new product business development.

Over the last year Macarena has played a significant role in the analysis of the cryptocurrency space, meeting and establishing relationships for BBVA with Bitcoin and Blockchain companies, participating in conferences, providing in-house training and looking for business opportunities in this field.Macarena joined BBVA in 2011 as Innovation Manager with a focus on the definition, design and implementation of new solutions and products for a digital native banking and exploring new distribution and relationship business models.Previously, from 2006-2011 She served as Project Manager �of Banesto Bank (Santander Group) where her primary roles included leading the implementation of strategic projects to launch new products and services, model definition and process reengineering to improve business, operating and management processes. Prior to that, she was working for the IT&OP General Manager cabinet in the design and implementation of the three year strategic plan based on operating efficiency and quality service.Macarena received a BA honors in Business Administration from CUNEF and earned her Executive MBA in IESE.

Tom joined RBR in September 2001, and has strong sector expertise in banking/retail technology and payment systems. He has led and conducted numerous research and consulting projects for clients from Europe, the Americas and Asia.He has played a key role in building RBR�s conference activities, as well as developing multiple syndicated research studies across banking and retail sectors, and managing many of RBR�s consulting engagements.