Banco Popular de Puerto Rico

Om Kundu is founder of InSpirAVE: its flagship Internet-of-Savings™ platform has been cited as revolutionary in empowering retail banking customers with� end-to-end access to discover and save for their aspired merchandise and experiences. The platform ensures user aspirations – including those that may have been out-of-reach otherwise – are fulfilled and delivered, without ever having to resort to debt.For over a decade and half preceding InSpirAVE, Om has driven growth – within key in-house roles and as a trusted advisor – for several leading retail + financial institutions, with footprints both nationally and globally. Be in the novel solutions he has built-from-scratch or in the oversight of mature P&Ls and portfolios with over $40 billion in balances across product-lines [assets/liabilities/payments], segments [‘Unbanked' to UHNW], and channels [Digital/Mobile, Retail, Social], Om's contributions have been recognized for their unrelenting focus in championing wins that are as compelling for customers as they are for ecosystem partners and investors.Om is a Stanford University alum having graduated with degrees in Mathematical and Computational Sciences and Interdisciplinary ‘Science, Technology, Society’ Honors. He has served on the advisory boards of multiple organizations and publications across industry-sectors.

Whit Coolbaugh has been in banking for nearly 15 years, all of which have been with BB&T. He has held leadership roles in ACH, Wire Transfer, Payment Strategies, Debit Card Chargebacks, and the past 5 years with the ATM Channel. He is responsible for BB&T’s ATM Projects & Operations group, which manages new initiatives related to the ATM systems, software, functionality and client experience across the bank’s network of nearly 3,000 ATMs. He is also responsible for ATM contracts, ATM client complaints resolution, vendor management and remote ATM program support.�Whit is a 2002 graduate of Barton College.� He and his wife, Kelly, reside in Wilson, NC with their two children.

Glen Williams is a partner at Bain & Company. He has more than 18 years of experience, with a focus on the business to business sector.

Anuj Nayar is senior director of global initiatives for PayPal. He has served in a number of communications positions at PayPal and has also served in a PR post at Apple.

Steve Gallagher is CEO of Vix Technology, provider of ticketing and transportation payment technology.

Alex Nouri is president of EFT Direct, an acquiring and consulting firm based in Ann Arbor, Mich., a post he's held since 2000. He can be reached at alex@eft-direct.com and via phone at 734-477-7700.

Jess Sharp is senior vice president and executive director of the American Bankers Association’s Card Policy Council. Sharp serviced on President George W. Bush's domestic policy council, first as a specialist in transportation and labor policy issues and then taking� on a broader portfolio as deputy assistant to the president for domestic policy.

Paul Bridgewater has nearly 20 years of experience and achievement in the international payments industry, spanning Europe and the America, and currently serves as chief executive officer for Sage Payment Solutions, the payments division for Sage North America. Prior to joining Sage, he served in various executive roles with TSYS, Digital River, and Citibank.

Michelle Bonner Techel heads the Digital Payments team for Consumer Financial Services (CFS), managing chip cards, digital wallets and payment security with a focus on the new uses of data and technology. Michelle’s team is leading the conversion of our consumer credit cardholders to the EMV/Chip Card standard. Her team also led the work of CFS to bring our partnerships with Apple and Android and the respective launches of Apple Pay and Android Pay to the marketplace. Michelle also plays a leadership role on the Payment Security Taskforce, an industry group encompassing financial institutions, merchants and networks.In 2012, Michelle joined the CFS leadership team as the Head of Strategy & Development. In this newly created role, Michelle was responsible for Strategy and Planning, Digital Payments, New Business Development and Customer Experience. She built out this new set of functions and brought in new talent from across Wells Fargo as well as from within the financial services industry before moving into her current role.Prior to joining CFS, Michelle held a number of key roles throughout Wells Fargo with a focus on digital channels. She served as both the Head of Consumer Product Strategy & Support and as the lead for Online Sales and Marketing for Deposits and Investments in the in the Digital Channels Group. She also led the Information-Based Marketing team in the Wealth Management Group.Prior to joining Wells Fargo, Michelle was a consultant for McKinsey & Co. serving media and private equity clients. Michelle also worked at the U.S. Treasury Department as a Senior Advisor and Director of Planning, where she helped with the roll-out of the first currency redesign in a generation. Prior to the Treasury Department, Michelle worked in The White House as an advance person in the communications department and was the Director of the Media Center for the Inaugural Committee.Michelle received a Bachelor of Arts degree in Psychology with honors from the University of California at Los Angeles and a Masters in Business Administration from Northwestern University’s Kellogg School of Management. She also attended Chulalongkorn University in Thailand.

Christine Duhaime, a Canadian lawyer specializing in financial regulation, is the founder and executive director of the�Digital Finance Institute, a FinTech think tank that is launching a digital bank for refugees to address financial inclusion.