Banco Popular de Puerto Rico

Pascal is responsible for building up and managing Proxama operations for the North American region.Prior to Proxama, he accumulated experience in mobile commerce at Visa, MasterCard, SanDisk, a couple of start-ups, and CorFire with always a focus on services that bring real value to end-users. The Dunkin� m-commerce app, Visa prepay co-brand programs, mobile top-ups by Visa cards, international airtime remittances for foreign workers are examples of initiatives where he was deeply involved and enjoyed great consumer adoption. For almost the last twenty years, he has been holding product management and strategy, business development, and general management positions with exposure to European, North-American, and Asian markets.Pascal has a MSCS from ENSEEIHT (France). He is married and a dad. When not in an airplane, Pascal pretends he is still in his twenties and goes kite-surfing and rock-climbing.

Sean Curran is a director in West Monroe Partners� Technology Infrastructure & Operations practice. He has more than 20 years of experience across a range of industries and IT domains, including data and information security.

Lyle Beckwith is senior vice president of government relations at the National Association of Convenience Stores.

Scott has been with US Bank since 1991 and since 2011 has led the efforts to address both strategic and critical regulatory matters across all areas of US Bank.� US Bank, with $410 billion in assets, is the fifth largest commercial bank in the United States.� The company operates 3,172 banking offices in 25 states.In his current role, Scott has led efforts to address the Mortgage Consent Order, Retail, Credit Card and Small Business collection improvements, a bank wide effort to standardize Credit Bureau reporting, dispute handling and usage, and a similar effort to standardize Bankruptcy.Scott spent 20 years in a variety of functions within the Credit Risk Assessment division, of US Bank.� He was responsible for the teams reviewing the Wholesale lending units.� Scott was instrumental in developing and implementing the Early Warning System utilized by the commercial lenders at US Bank.Prior to joining US Bank, Scott worked for the OCC.� His tenure with the OCC coincided with the Agricultural Crisis, the first Commercial Real Estate Crisis and the Savings and Loan Crisis.� These experiences have provided him with a unique risk perspective, drawing on regulatory experiences as well as both the commercial and retail side of banking.Scott holds an MBA from the University of Oregon and has Bachelor Degrees in both Finance and Economics from Eastern Washington University.� Scott lives in the Portland, Oregon area.

Sajjad Jafri is a Senior Research Advisor at the Canadian Payments Association. He joined the CPA in 2012 and is responsible for undertaking research that supports the association�s strategic objectives, including its payments� system modernization efforts. Prior to the CPA, he worked as a management consultant and an antitrust economist. His research has supported industries and organizations in the most disrupted sectors of the economy including print media, telecom, broadcasting, e-commerce, music, and payments.

Brian Brandt is a Vice President of Operations within Consumer Services. �In this role, Brian manages the Serviceman's Civil Relief Act Center of Excellence and the Consumer Servicing, Flood Servicing departments. Brian is an experienced senior operations manager and has recently transitioned to finance operations after completing a thirty year military career as an Army Lieutenant Colonel. �Brian's most recent military assignment was serving as a Russian Foreign Area Officer with the Army Central Command and managing an international portfolio of foreign relations projects.Brian earned a Bachelor of Science in Political Science degree from Excelsior College and a Master's degree in Slavic and East European Studies from The Ohio State University. ��

Matthew Goldman is CEO of Wallaby Financial, a provider of automated financial services and card recommendations. Its app is available on iOS, Android, Google Glass, Pebble and Samsung Gear.

Martin Cox is Global Head of Sales at Bell ID, a company that develops software to issue and manage credentials on mobile NFC devices, EMV chip cards and identity tokens.

Halsey Minor is the founder & chief executive of Bitreserve, a global cloud money service. He is also the co-founder of CNET, co-founder of Salesforce.com, founder of OpenDNS and founder of Grand Central (acquired by Google and rebranded as Google Voice).