Banco Popular de Puerto Rico

Ellen Richey is vice chairman of risk and public policy for Visa. Previously, she led both the risk and legal departments at Visa as executive vice president and chief risk officer.

Steve Williams is vice president and global practice leader of identity analytics at Verint, a global provider of actionable intelligence solutions. He has also hed senior positions at a number of software firms.

Jared Isaacman is CEO of Harbortouch, a payments processor that provides merchant services to more than 110,000 business locations.

Kevin Dallas is chief product officer for global e-commerce at Worldpay in London. He was also a partner at Bain & Company, working in marketing and strategy for health care, private equity, and financial services.

Mich�l Bechard is director of service provider technologies at Comodo in London. He has also worked as a security consultant for Motion IT.

Cyril Villemin is vice president of financial services and retail for Gemalto, a North Holland, Netherlands-based security technology company.

Fred Liu is Senior Director at Visa Inc. and is responsible for leading new product development in Visa’s Global Risk Products and Business Intelligence organization, whose teams deliver value across fraud risk, credit risk, and business intelligence solutions. In this role, he focuses on delivering sophisticated solutions to financial institutions, merchants and acquirers that are used across more than 200 countries and territories worldwide.�He has over 15 years of experience in retail and commercial payments covering strategy, customer-centric product development, digital (mobile, analytics etc.), authentication, business development, operations, enterprise risk management, risk model development, and new technology assessments.����Prior to joining Visa, Fred was a data architect at IBM Global Services, and a consultant with Ernst and Young, where he managed large-scale e-business application development for global companies. Fred holds a B.S. degree in Accounting and International Business from the University of Washington.

Josh is an entrepreneur and financial services executive with a track record of developing solutions focused on�emerging technologies and consumer and business needs. He is currently the VP of emerging products at Vantiv�leading a variety of open innovation projects with best in class startups in payments and commerce. Prior to�joining Vantiv Josh led incubation efforts at Citi’s global corporate venture and innovation arm. Josh was also the�Founder and CEO of a luxury flash sale site in India. Josh held several leadership roles during his early career at�Citi including leading strategy for the Personal Wealth Management business.Josh holds an MBA and a Masters in Information Systems from Boston University.�He lives in Burlingame with his wife and two daughters.