Banco Popular de Puerto Rico

Barry Mosteller is the director of research and development at CPI Card Group. Barry works closely with the operations and sales teams to develop new and innovative product solutions for customers. With 20 years of experience in card manufacturing, smart cards, research and development, project management and marketing, Mosteller has led the development of many significant innovations in card technologies and materials and authored or co-authored five card related patents. Prior to joining CPI in 2011, Mosteller was a director of technical marketing.Mosteller is ACE accredited by ICMA (International Card Manufacturers Association) and is the current Chairperson of the ICMA�s Greening of the Factory Committee. He is also CISCP certified by the Smart Card Alliance.

David is the General Counsel and Chief Compliance Officer at Wave Crest Group Limited overseeing the legal and compliance aspects of Wave Crest's business. David came to Wave Crest from Fidelity National Information Systems (NYSE: FIS), the world's top-ranked technology provider to the banking industry, where he was division counsel for FIS' prepaid and e-payments business. Prior to FIS, David was in private practice at an international law firm. David is a former Board member of the Network Branded Prepaid Card Association.

Kirsty Tull is marketing manager at BillPro, an international online payments provider specializing in secure online payment solutions for high and low-risk merchants. For more information, visit www.billpro.com or follow on twitter at @billpropayments.

Jeff Thorness is CEO of Forte, �a technology company that provides electronic payment solutions for banks, financial institutions and merchants.

Eric Leiserson is a senior research analyst at Fiserv, where he is responsible for the development of consumer-related electronic billing and payments research, adoption strategies and marketing programs. He has conducted numerous primary research projects and Webinars in green marketing, consumer segmentation, longitudinal surveys, Web usability and focus groups. Prior to joining Fiserv, Leiserson held marketing and sales positions and Unisys Corp. and Intuit.

Signe-Mary McKernan is a national wealth-building and poverty expert with nearly two decades of experience researching access to assets and credit and the impact of safety net programs. She co-directs the Urban Institute�s Opportunity and Ownership Initiative and published the book Asset Building and Low-Income Families with Michael Sherraden. She advised the Consumer Financial Protection Bureau in setting up a first-rate research unit. Before joining the Urban Institute in 1999, she was lead economist on credit issues at the Federal Trade Commission. She has been a visiting and adjunct professor at Georgetown University. Her research has been published in books, policy briefs, reports, and refereed journals. She has testified before Congress and been cited in media outlets such as the New York Times, Washington Post, Forbes, and Time Magazine. She has a Ph.D. in Economics from Brown University.

Andrew serves as the COO and Founder of Final. Final is a new credit card that drastically reduces payment fraud and gives consumers total control over their merchant relationships. At Final, he builds banking and technology partnerships and works to deliver Final�s unique financial products to market. Like the rest of the Final team, he believes in building a credit card that works for him and eliminates frustration and headache. Andrew received his BA from Harvard University and MBA and MEM from Duke University.

Bret brings over 12 years of experience in Loyalty and Rewards Programs, having worked with a variety of providers across the Financial Services, Retail, and Entertainment Industries.He currently serves as the Director of Business Expansion for TSYS Loyalty North America, responsible for growth and expansion of TSYS Loyalty Solutions with key financial institution and retail clients.� Prior to joining TSYS in 2011, Bret had direct responsibility for sales and operations of one of the country�s largest points-based coalition loyalty programs with over 300 participating merchant partners serving the grocery, fuel, dining, and entertainment sectors.�Bret currently resides in Atlanta, Georgia with his wife and three children and enjoys golf, music, and a variety of outdoor activities.

Brad is the Global Product Head for Citi�s corporate and public sector Prepaid Cards business. Brad was an early member of the product management team at Ecount, a pioneering prepaid cards and electronic payments company that was acquired by Citi in 2007. Brad has held senior product roles in the US, EMEA, and LATAM, and has lead the innovation around new payment flows that have fueled Citi Prepaid�s tremendous growth since the acquisition. A competitive triathlete, Brad recently qualified to represent Team USA at the 2015 Triathlon Age Group World Championships. Brad has a BA in Spanish Literature from Kenyon College in Ohio.