Banco Popular de Puerto Rico

Michael Cyr is executive vice president of U.S. market development for MasterCard.

Doug Smith is senior vice president of customer success at Vindicia.

Ginger Smith is Vice President of EMV Product Management at First Data. She provides expertise on EMV technology, certification and integration for national merchants and Independent Software Vendors (ISVs), aids in the enablement of Small Mid-Size Businesses (SMB) through deployment of EMV capable solutions and drives EMV acceptance throughout First Data’s distribution partners. Smith has more than 20 years of experience in payments acquiring, product development and strategy, program management, relationship management and solution consulting.Smith received her bachelor’s degree in biology from the University of Nebraska, Omaha and her MBA from Bellevue University.

Julie Walser is the Loss Prevention Manager and Bank Secrecy Act Officer at UW Credit Union based in Madison, Wis. She leads the team that is responsible for the timely identification of fraud risk and the implementation of solutions to reduce risk of loss to the organization and its members. Walser has 22 years of experience at the organization during which time she has held different roles including managing the operations and delivery of the credit union’s Deposit Operations, Credit Card and Debit Card programs. Prior to joining the organization, she held positions at State Capital Credit Union and CUNA Card Services Group.�

Glen P. Trudel is a consumer financial services, banking, and business attorney who counsels financial institutions and companies on both regulatory and transactional matters. Mr. Trudel has significant experience in the acquisition and divestiture of consumer and business credit card and other financial portfolios. He also advises state and federal financial institutions and other entities on operational and vendor outsourcing matters, debt sales agreements, and other transactions, and assists clients in the structure and documentation of new credit products and on formation and licensing issues in Delaware.Before re-entering private practice, Mr. Trudel was a Senior Vice President and Counsel with MBNA America Bank, N.A. (now part of Bank of America). During his 14 years with MBNA and since then, he has advised on a broad variety of general purpose and private label credit card/unsecured lending, deposit, and other bank regulatory issues. Mr. Trudel has extensive experience in representing the bank and other card issuers and partners in the negotiation, structuring, creation, and administration of joint marketing, affinity/co-brand, miles/reward program, and enhancement agreements, as well as account portfolio acquisitions and divestitures. He also advised on regulatory and operational matters related to the international expansion efforts of MBNA.In his business practice, Mr. Trudel counsels clients in the structure and creation of business entities and in connection with contractual matters and traditional corporate governance and other matters, including providing Delaware law opinions.

Kevin Leit�o is a seasoned attorney and business executive with more than 15 years of in-house experience advising on financial products and their intersection with digital channels. Since joining Ballard Spahr in 2015, Mr. Leit�o has advised clients on the development of mobile and e-commerce products in a range of industries including card products, mobile payments, consumer lending, retail and gaming. In addition, he has worked extensively on market place lending programs. He also has an active practice in the areas of data security, privacy, risk management governance, ADA compliance, BSA/AML and compliance program development.While working in-house, Mr. Leit�o developed and led risk-based data security, Bank Secrecy Act/Anti-Money Laundering, compliance, ID theft and vendor management programs at several companies, including Softcard, TIAA-CREF, Merrill Lynch and GE Capital.

George Garrick is a serial tech CEO, board member, advisor and investor specializing in consumer, advertising and promotion, marketing, mobile and retail information services and technologies. Operationally he specializes in growth stage companies and turnarounds and has so far had one IPO and four exits for a combined investor value of almost $3 billion.�Following degrees in math, engineering, and a Master’s in Management, starting in 1981 he spent 15 years as a member of the initial management team of IRI (Information Resources, Inc.) where he helped grow it from $2 million to $300 million and served as President of US Information Services, CEO of IRI Europe, and CEO of IRI North America. During this time IRI was the undisputed leader in marketing, advertising and retail information services and technology and Garrick became one of the nation’s leading experts in these fields. He also served as CEO of A.C. Nielsen for a short time.�In 1996 Garrick moved from Chicago to Silicon Valley to pursue a career in the early Internet, and in 1999 he led a $500 million IPO for Flycast Communications which he built into the largest and most successful advertising and direct marketing network of its time. Following Flycast Garrick held CEO positions at a number of startup companies including PlaceWare (sold to Microsoft), Wine.com, 1-800-FREE411, Tapjoy, Social Shield, and Brand.net. His past and current board, advisor and investor involvements include Shopzilla, Responsys, Digital Impact, Telephia, Comscore, Qik, Playdom, Adify, Dynamic Signal, Exitround and Shelfbucks. Garrick lives with his wife and 3 teenagers in Silicon Valley where they are active on behalf of several causes, and he serves on the Menlo Atherton School Foundation Board and has guest lectured at Purdue, UCLA, Northwestern and the University of Chicago.

Emma Kerr is a Director on the Visa Checkout team within the Digital Solutions group at Visa.�She is responsible for liaising closely with processor and issuer clients to enable participation in Visa Checkout and ensuring their feedback is incorporated into product.�Additionally, she oversees the strategy and execution of Visa Checkout’s consumer marketing campaigns.��Prior to joining the Digital Solutions group, Kerr worked in Visa’s Sydney, Australia, office in the Merchant Sales and Solutions team.�In that role, she led acquirer and merchant relationships and managed several industry initiatives including surcharging, Chip and PIN, and merchant adoption of payWave.�Kerr holds a Bachelor of Arts in Economics and English from Northwestern University.�Additionally, she holds an Integrated Marketing Communications certificate from Northwestern’s Medill School of Journalism. �

Brad Selby is the Head of Merchant Services at Affirm, where he leads our sales, business development, marketing, and public relations efforts.Brad has over ten years of experience in product marketing, product management, and business development.� Prior to Affirm, Brad was VP of Product Management at Roost, Inc. where he led a successful pivot of the team and product offering (acquired by VerticalReponse).� Previously, he was a Senior Product Manager at Audible.com (acquired by Amazon) and Flixster, Inc., (acquired by Warner Brothers).� He began his career at PayPal in business development and product marketing.Brad holds a B.A. from Stanford University, and an M.A. from Oxford University.��