Banco Popular de Puerto Rico

Julie Lowe is the user experience lead at Mutual Mobile, a technology company that builds mobile commerce products.

Mark Waring is a veteran of 30 plus years in the payments business.�Currently he is the financial services sales expert at Apigee (www.apigee.com), based in San Jose, California. Previously, he used his global payments experience to create new products and customer experiences at First Data and PayPal.� He has been active in creating and tracking the various digital and mobile innovations in the payments ecosystem.

Kimberly L. Kacal, managing director for Accenture Payment Services has 18 years of experience working with banks in payments�operations, check processing, treasury management and commercial lending.

Cameron Camp is a security researcher at ESET, a security software company.� He writes and presents on IT networking and data systems, covering businesses processes and internet security.

Torsten George is Chief Security Strategist for risk management software vendor Agiliance.�He works with companies and government agencies to use real-time risk analysis to improve business performance. He also works on branding, public relations, social media, demand generation and other marketing strategies.

Kristian Gjerding is CEO of CellPoint Mobile.

Annette Zimmerman, President and CEO of PrimeWay Federal Credit Union has more than 30 years of experience in the financial sector.� She currently chairs two CUSO boards CU Alliance, LLC and Member Home Loan. She serves on the Board of Directors for the start-up CUSO CU Wallet and serves on core technology provider Corelation�s Advisory Board. Prior to joining PrimeWay Zimmerman drove technology efforts for a $2 billion credit union as SVP/CIO. She has also served as SVP Branch Administration and Government Affairs overseeing an extensive multi-state branch network. As SVP of Business Services and Women�s Financial Services, Zimmerman founded a successful �Women in Business� network in Salt Lake City, Utah supporting women leaders in building relationships. Though Zimmerman has served in a variety of roles throughout her career she brings her passion for developing and mentoring future leaders in the financial industry to each new position.

Martin Ferenczi is President of North America for Oberthur Technologies, a credit card technology company. He is based in Washington, D.C.

René Lacerte is the CEO and founder of Bill.com. Prior to launching Bill.com in 2006, he co-founded online payroll service provider PayCycle in 1999, which was acquired by Intuit in 2009. Lacerte also spent five years at Intuit, creating and managing the company's bill presentment team and growing its bill payment and credit card offerings into multi-million dollar businesses for the company. He also launched Intuit's first connected payroll product, growing the team from two employees to 300 in 18 months.

Bob Cohen is vice president of North America for Basware. He joined the company in 2005, and has also held market development and management roles at American Express, Cendant, Information Builders and Computer Associates.