Banco Popular de Puerto Rico

Sergio Cozzolino is the head of the consumer mobile service department for Telecom Italia. He is active in the developmentt of� NFC projects,cloud services and applications for mobile payments and other products.

Andrew Hayner is an attorney with Jaffe, Raitt, Heuer & Weiss, P.C. He has also worked as a legal intern in the Michigan Attorney General's corporate oversight division.

Tim Horton is vice president of cyber security solutions at First Data, which provides a number of processing, payments and services for merchants and retailers. The Atlanta-based company also provides security products and services.

Danny Shader is CEO of PayNearMe, a company that enables consumers to use their mobile device or a payment code on a bill statement to make payments at third parties.�

John Williams is the chief operating officer of Heritage Bank in Australia. Williams has been with Heritage for more than 20 years and has lead a number of projects in the bank's IT division.

Andrew Graham is the president and CEO of Infinite Peripherals, which he cofounded in 1993 as a source of receipt printers for POS. He and his team created the Linea Pro and Infinea Tab�the first iOS peripherals�which add magnetic stripe readers and barcode scanners to Apple�s iPod touch, iPhone and iPad, and which today are used in 30% of the top 20 U.S. retailers.

Tomasz Krajewski is head of mCommerce at eLeader. He works on the Superwallet.mobi project, a mobile banking and payments development initiative.

Bill Marvin is president and CEO of InstaMed, a health care payments network. Prior to InstaMed, Marvin was an executive in Accenture's Health and Life Sciences practice, focused on payer to provider connectivity.� Prior to Accenture, Marvin founded CareWide (now a part of AllScripts after three acquisitions), a practice management system for provider offices.

Seth Ruden is a Senior Fraud Consultant at ACI Worldwide. He has more than 9 years of experience, with a specialization in card fraud, online banking fraud, sanctions filtering, anti-money laundering monitoring, audit, process review, access management, information security and enterprise risk management.

Michael Battagliese is Senior Vice President within the Everyday Banking Organization at RBS Citizens Financial Group. He is responsible for all Debit, Prepaid, and Digital/Mobile Payments offered to RBSCFG�s Citizens Bank and Charter One Customers.Michael has over 15 years of senior leadership experience in financial services. His experience includes positions in product management, operations, project management & delivery, reporting & analytics, and control.Prior to joining RBS Citizens Financial Group, Michael spent 3 years at TD Bank within the Retail Money-In Organization. While at TD Bank, he held positions in Product Implementation, Reporting & Analytics, and Operational Risk. Michael had direct responsibility for the annual loss plan for TD Bank�s Debit, Gift, and Prepaid portfolios.� As a Senior Manager in Marketing Operations at Barclaycard US, he was responsible for implementing all new and existing customer initiatives as well as direct oversight of the largest strategic vendor relationships at the bank.� Michael managed the Credit Card implementation and adherence to the Credit Card Act within Barclaycard US. Michael spent the first 10 years of his financial services career at MBNA America. While at MBNA America, he led all projects, web-based intranet systems, and production support for the US Card Operations organization.� After the Bank of America purchase of MBNA America, Michael was the lead member on the conversion team responsible for making strategic systems and process decisions for the new Credit Card organization.Michael holds a Bachelors of Science in Business Administration and a Masters of Business Administration from the University of Delaware.��