Banco Popular de Puerto Rico

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).

Christopher Danvers has worked in the Credit Union and Payments Industry for over 11 years at airline-based credit unions. Christopher specializes in operations management, project management, and product strategy and development of various payment systems and products. These products have included card programs involving EMV, credit cards, debit cards, and prepaid cards, Automated Clearing House (ACH), wires and international remittances, check processing and bill pay, and remote delivery channels including online banking, mobile banking, and ATMs.�Christopher is a certified Project Management Professional (PMP), a 2009 graduate of the Southeast CUNA Management School (SRCUS), holds a Bachelor of Science in Management, Marketing & Sales from Kaplan University, and an Associate of Science in Multimedia and Web Design from The New England Institute of Art.Christopher has presented and spoken at various financial services conferences and events, including the 2008 California and Nevada Credit Union League Conference in partnership with Filene Research Institute, the 2009 CUNA Operations, Sales & Service Council Conference, and most recently the 2014 CU Water Cooler Symposium.Christopher is participating in the 2014 i3 (Innovation.Ideas.Implementation) program at Filene Research Institute, and was also one of 30 credit union professionals selected to participate in the Institute's 30 Under 30 program in 2008.�Christopher was also one of 20 semi-finalists in the CO-OP Financial Services 2014 THINK Prize competition.

Steven Rathgaber joined Cardtronics as the Company's Chief Executive Officer on February 1, 2010. From January 1991 to January 2010, Mr. Rathgaber was employed by NYCE Payments Network, LLC, a wholly-owned subsidiary of Fidelity National Information Services, Inc. Immediately prior to joining Cardtronics, Mr. Rathgaber served as the President and Chief Operating Officer of NYCE, a role he assumed in September 2004.�From April 1989 to January 1991, Mr. Rathgaber served as a founding partner of Veritas Venture, a start-up software development company. From May 1981 to March 1989, he served in a number of executive-level roles within Automatic Data Processing, Inc., and from January 1977 to April 1981, he held numerous positions within the Citibank organization. Mr. Rathgaber also served on the board of Everlink Payment Services, a joint venture between the United States-based NYCE Payments Network and Celero, a Canadian credit union processing company, from the company's inception in September 2003 until December 2009, serving as Chairman of the Everlink board from June 2004 until May 2006.Mr. Rathgaber holds a Bachelor of Science degree in Accounting from St. John's University.

Karla Friede is CEO of Nvoicepay. She has also held marketing positions at Zevez and GeoTrust, and was co-founder and consultant for the Ascent Group.