Banco Popular de Puerto Rico

Steve Ruwe leads the enterprise-wide risk management strategy for PSCU, with a focus on preventing fraud and minimizing risk in the credit and debit card portfolios of Member-Owner credit unions. Advocating risk management practices for the industry, he serves as the Chairman of the Credit Union Risk Council and sits on the MasterCard U.S. Fraud Advisory Council. Prior to joining PSCU, Ruwe served as Visa USA�s Executive Vice President of Operations and Risk for 13 years. He's testified as a risk management expert before Congress numerous times on issues related to data security, Internet gaming, and Internet pharmacies. Ruse has also served on the Board of the Economic Crime Institute and the Financial Services Sector Council for Critical Infrastructure Protection and Homeland Security. He can be contacted at sruwe@pscu.com.

Mark Vipond is CEO of D3 Banking, a provider of data driven digital banking. He can be reached at Mvipond@D3banking.com. Vipond has more than 25 years of experience in the software industry, including president of ACI Worldwide, where he was president of global product, senior vice president of consumer banking, chief operating officer, national sales manager and vice president of the emerging technologies and network systems divisions.

Marcelo De Lima is vice president of marketing for Sequent. De Limo has also served as director of mobile marketing for m-commerce at Verifone and director of marketing for Vivotech.

Stephen Pair saw a need for bitcoin payment processing and co-founded BitPay in 2011. Pair is involved in all of the day-to-day operations including research, engineering, product development, and information technology. Pair has 20 years of experience building software systems in the financial and telecommunications industries.Before founding BitPay, Pair held various roles including entrepreneur, architect, manager, team lead, and developer. He started programming at a young age and spent much of his early career focused on languages, compilers, operating systems, and virtual machines. Later, he developed an interest in the mechanics of financial markets, economics, monetary systems, and cryptography.Pair has Bachelors in Computer Science from the Georgia Institute of Technology and two patents in the field of streaming analytics.

Neil Radley is a non-executive director on Invapay's board, and former managing director of Barclaycard in Western Europe. He has also served in executive roles at PWC and has private equity experience.

Sergio Chalbaud is CEO of Fintonic, which offers a banking app that focuses on Latin American markets.

Gary Albertson is the Vice President of ATM Strategy and Branch Technology at First Citizens Bank.� Gary has been in the financial services industry for 15 years having previously worked for RBC Bank, Fidelity Investments and Capital One.� In his current role, Gary manages the strategic roadmap for the ATM channel and Branch Technology initiatives to optimize profitability enhance customer experience and maintain competitiveness by driving efficiencies.Albertson received his BA in Communications from SUNY � College at Geneseo and earned his MBA from Boston College Carroll School of Management.� Gary is also a Project Management Professional (PMP) with the Project Management Institute.�

Nubia is the Vice President of Payment Services at Schools First Federal Credit Union. Her responsibilities include the planning & purchasing of all ATM’s as well as managing� all aspects of the installation, vendor management, performance of the ATM network, operational responsibility associated with payment delivery channels including: Payroll Services, ATM Services, and ATM fleet, Card Services, Item Processing, Document/Image Management, ACH & bill payment services.Nubia has over 23 years’ experience in the Banking Industry with an extensive background in credit card/ATM processing, compliance issues and risk management, underwriting and credit scoring.� Prior to joining the credit union, Nubia was the First Vice President for the Electronic Card Payments Division at Farmers & Merchants Bank of Long Beach.Nubia is currently working on her MBA certificate program at UC Irvine.� She is a Member of the Association of Financial Crimes Investigators, the Certified Fraud Examiners and now excited about her new role as Assistant Membership Chairman with the TAG Board.

Senior Vice President - Wells Fargo - Over 25� years of banking experience in the areas of financial reporting, retail bank finance, electronic banking, and debit and prepaid card product management & new product development at Crocker National Bank, Bank of America and Wells Fargo.Kathy currently manages the Product Management function for Wells Fargo Bank debit and prepaid cards.� Products include consumer and business debit cards, atm cards, gift cards and general purpose reloadable prepaid cards.� Her responsibilities include all aspects of product management from product design, pricing and overall management of customer experience.�Kathy has a B.S.C. from the University of Santa Clara and an M.B.A. from the University of San Francisco.� She is active in the community and volunteers on a weekly basis at UCSF Benioff Children’s Hospital Oakland.