Banco Popular de Puerto Rico

Andrew M. Orent is the President and CEO of Nautilus Hyosung America.�� Prior to this appointment, Mr. Orent was Vice President, Oracle Banking Platform, and Global Business Team Leader where he was responsible for the Go to Market of a new banking solution.Prior to joining Oracle, Andy led the global WW Financial Services Industry team at HP. Andy and his team were responsible for the Strategy, Solution Portfolio, Go to Market and Community for this key� segment. Andy joined HP in 2008. �Andy has spent more than� 30 years selling technology, software and services to the financial services industry.� �He held a number of key leadership roles in general management, sales and marketing at NCR that included: Vice President, World Wide Industry Marketing, Vice President and General Manager of the Payment and Imaging business unit, and Vice President Financial Solutions Americas.Andy holds a Bachelor�s Degree in Accounting from Indiana University is married and has two grown daughters.�

Amy Crews Cutts joined Equifax as Chief Economist in March, 2011.� A recognized industry expert, Cutts has over 20 years of economic analysis and policy development experience.� She is responsible for analytics and research relating to the consumer wallet � assets, income, credit, and spending along with macroeconomic factors affecting the consumer.� She is also responsible for macroeconomic forecasting and commentary and the economic analysis of small business credit.Often quoted in national print and broadcast media, Cutts has also published numerous studies on such topics as the economics of subprime lending, the impact of technology on foreclosure prevention, and drivers of strategic mortgage default.Cutts holds a Master�s and PhD in Economics from the University of Virginia and a Bachelor�s degree in Applied Mathematics from Trinity University, San Antonio, TX.

Ms. Miles oversees VeriFone�s business in North America, Latin America and the Caribbean.� She was previously Executive Vice President of North America for VeriFone, which included the company�s Financial, Mobility, Retail, Petro, Transit, Retail Banking, Hospitality, Security, Healthcare, and Government business units.Since joining VeriFone in 2001, Ms. Miles has played an integral role in driving the successful growth of VeriFone's solutions.She holds a bachelor degree in Business Administration from the University of Georgia.

Erik Vlugt is responsible for Verifone’s global product line, which includes the retail, petroleum, and financial channels, focusing on emerging technologies, including EMV, NFC and mPOS. Erik speaks regularly on these topics at industry events, and in 2012, addressed the Congressional Financial Services Committee on the topic of emerging payment technologies. In 2014, Erik was appointed to the EMV Migration Forum Steering Committee.Prior to joining Verifone, Erik held consumer electronics product management and technical marketing positions at TDK Corporation and ShareWave, which was later acquired by Cirrus Logic. He is a native of The Netherlands and obtained his degree in Computer Science and Business in Amsterdam.

Michelle Yuan is the director of sales and marketing at Bindo, a cloud-based iPad point-of-sale with a web and mobile storefront enabling online shopping for the end consumer. Previously, she worked in the investment banking industry and has a Bachelors of Economics from Columbia University.

Christiaan Brand is co-founder and chief technology officer of Entersekt, where he oversees Entersekt�s information technology services, mobile processing platforms and enterprise applications, playing a key role in application development, infrastructure and operations. Additionally, Brand leads the delivery of Entersekt�s cloud and mobile strategies, ensuring that the company is well positioned to address the introduction of new business models and payment types.

Neil Erlick is executive vice president of business development at Optimal Payments Plc where he oversees the company�s U.S. gaming initiatives and strategic partnerships. He recently participated in a roundtable on online gaming payments at the eGaming Review North America New Jersey Briefing.

Mary Donovan is the Executive Director of the Retail Gift Card Association (RGCA), a trade association of closed-loop gift card retailers. She has been involved in association management for several years, working with a variety sectors. Her background is in operations, program management and government affairs.