Banco Popular de Puerto Rico

Matt Brown is Director of Business Development at SecurityMetrics. He works with clients on PCI and other compliance issues.

Steven J. Ramirez is CEO of Beyond the Arc, a customer experience and advanced analytics firm that helps financial services clients differentiate themselves in the marketplace. The company's social media data mining is designed to help clients improve their customer experience across products, channels, and touch points.

Paul Tabet is COO of 29Prime, a Los Angeles-based company that specializes in Internet marketing, search engine optimization, internet advertising and other e-commerce services.

Marc Winitz is the Senior Vice President of Marketing in the Americas at Monitise. Marc has over 20 years of experience in senior sales and marketing leadership roles financial services, mobile and enterprise software. Prior to joining Monitise he spent 6 years leading sales, marketing and channel management functions for ATSC, a systems integrator with a focus on wireless and mobility. Previously, he ran international sales and marketing operations at FICO performing new market development and sales functions into global 1000 brands in the financial services, insurance and retail sectors. Marc speaks and writes regularly on the evolution of mobile, banking and commerce.

Daniel DeMeo is the Chief Executive Officer at CAN Capital, a small business finance specialist providing access to capital. CAN Capital has provided access to over $4 billion by facilitating over 138,000 small business funding transactions across the United States.�The company recently launched CAN Connect, an offering that enables payments processors to offer the value-added service of access to capital to their customers. Find more information at www.cancapital.com/canconnect.

Michelle Thornton is Manager, Core Products for CO-OP Financial Services, a credit union service organization based in Rancho Cucamonga, Calif. (www.co-opfs.org). She can be reached at michelle.thornton@co-opfs.org and 800-782-9042, ext. 6162.

Dave Yohe is head of corporate marketing for BillingTree. He's responsible for marketing, public relations, analyst relations and events for BillingTree, an electronic payment platform that serves collections, auto finance, utilities, healthcare and other industries.

Alex Weaving is head of commercial sales for global transaction services for EMEA at Bank of America Merrill Lynch. Weaving speaks on issues such as European payments and SEPA.

Tim Smith holds the position of Administrative Vice President in Customer Asset Management for M&T Bank and is based in Buffalo, NY. Mr. Smith is responsible for Early Stage Collections, Late Stage Collections, Internal Recovery, External Recovery, Agency Management, Outsourcing and Debt Sales.� Tim has been with M&T Bank since 2014.Tim is an experienced Executive in the Account Receivable Management (ARM) and BPO Industries with over 17 years of broad base of experience crossing Collections Strategy, Recoveries, Marketing and Business Development, Client Management, and Outsourcing.� Tim has held executive and management positions with the following organizations:� Primary Financial Services, LLC; Firstsource Solutions, LTD; ABC-Amega;� Dun & Bradstreet Corporation; and Empire of America Realty Credit Corporation.Tim holds a BS from State University of New York College at Buffalo and Executive Certificate in Process Re-Engineering from Michigan State University.

David Wilford is General Counsel and Chief Compliance Officer for Wave Crest. He has also worked as counsel for FIS and a number of financial institutions.