Banco Popular de Puerto Rico

Debra Stabile is a Managing Director and the Chief Risk Officer for Citi Retail Services, the Citi business that provides consumer and commercial credit card products, services, and retail solutions to national and regional retailers across the U.S. Ms. Stabile joined Citi in 2005 after three years with D&B, the commercial information services company. There she established and led the Global Decisions Sciences group responsible for providing commercial analytic and modeling services to major companies globally. Prior to joining D&B, Ms. Stabile spent 12 years at American Express. During her tenure at American Express, Ms. Stabile held a number of Risk Management roles of increasing scope and responsibility, both for the consumer and commercial businesses. Her last role there was as Chief Credit Officer of their Consumer Charge Card business and head of the Underwriting Committee for North America Cards.Ms. Stabile has a graduate degree from the Massachusetts Institute of Technology. She also possesses an undergraduate degree in Applied Mathematics and Economics from the State University of New York at Stony Brook.

Charles Hogan is the co-founder of Westlake Village, Calif.-based data analytics and marketing firm Tranzlogic.

John Kincade is a vice president at Norcross, Ga.-based TransCentra, a provider of billing and payment software and services. He has more than 30 years of experience in payments processing, including extensive industry knowledge in sales management and customer operations.

Ronen Kenig is the vice president of marketing and product management at Safe-T. He is responsible for overall global marketing and product management activities, including product strategy, product marketing, positioning, go-to-market and corporate marketing.Kenig has more than 15 years' experience in various managerial roles in marketing, product management and R&D. Prior to joining Safe-T, he led marketing activities at Radware, Cambridge Silicon Radio and Zoran, and held several R&D managerial roles at Kagoor Networks (later acquired by Juniper Networks) and Tecnomatix Technologies (acquired by Siemens).Kenig holds a B.S. in computer sciences and statistics from Tel-Aviv University in Israel, and an MBA from Judge Business School, University of Cambridge in the U.K.

Pat Morris was appointed as CEO of ACA International in 2011.�He is a professional association executive with nearly 20 years of experience in financial services, regulatory and legislative issues, international affairs and insurance.� Prior to joining ACA, Pat served as executive vice president of the National Association of Federal Credit Unions in Arlington, Va. He joined NAFCU, which represents the interests of the nation�s federally chartered credit unions, in February 2007.Pat was previously the executive director of the Washington-based International Committee for Information Technology Standards, an accredited standards development organization and the leading developer of global information technology standards, and the secretary-general of the International Federation for Produce Coding.He began his association career in the financial services arena as the executive vice president of the Kansas Association of Insurance Agents, where he was the chief executive officer and directed the association�s operations and lobbied on behalf of the association�s members before the Kansas Legislature and state and federal agencies.Pat began his professional career as an officer in U.S. Marine Corps, came to Washington, D.C., in 1986 with the prestigious Presidential Management Internship Program, and subsequently worked in legislative affairs for both the Secretary of Defense and U.S. Senator John Warner of Virginia. He also held management positions as a federal regulator with the Inspector General, Department of Defense, directed regional operations for the Department of Agriculture in the Minneapolis area, and was a manager with Norwest Corporation in Sioux Falls, S.D.Pat holds an undergraduate degree from Christopher Newport University in Newport News, Va., and a M.P.A. from the University of Kentucky.