Banco Popular de Puerto Rico

Edward Marshall is a litigation partner at the Atlanta law firm of Arnall Golden Gregory LLP, and serves as co-chair of the Payment Systems Subcommittee of the ABA Section of Litigation�s Commercial and Business Litigation Committee.

Dan Ewing is a senior expert in McKinsey & Co.�s San Francisco office and a member of its North American Financial Services and Payments Practice. He co-leads the firm�s work on emerging payments, including mobile, online, prepaid and cross-border remittances, as well as organizing the semi-annual Emerging Payment Forum with Bay Area start-ups and service providers, and leading much of McKinsey�s research on consumer and small business adoption of digital payment services. He joined the firm in 2004 and has worked in its Shanghai, Taipei and Singapore offices.Dan focuses on serving financial services clients on growth strategy, innovation and new business development. He has served retail banks, payments networks, processors, e-commerce, and private equity clients. He has published articles on payments, including digital wallet, global remittances, emerging payment scenarios, and China�s credit card market.Prior to joining McKinsey, he earned an MBA from The Wharton School and an MA in International Studies (Economics and Chinese Studies) from Johns Hopkins SAIS.

Michael Thurman is a Los Angeles-based trial attorney who defends lawsuits, arbitrations and regulatory actions brought against businesses and their executives and employees. He regularly represents business clients in consumer protection class actions and government regulatory actions and investigations brought by the Federal Trade Commission (FTC) and state regulators, and counsels clients in various industries on advertising and marketing issues. Mr. Thurman advises businesses and makes presentations regarding compliance and risk management issues, including supervisory and enforcement developments associated with the new Consumer Financial Protection Bureau (CFPB), which was created by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. He has represented numerous securities brokerage firms and registered representatives in litigation and arbitration actions, as well as regulatory matters brought by the Financial Industry Regulatory Authority (FINRA) - formerly the National Association of Securities Dealers (NASD) - and the U.S. Securities and Exchange Commission (SEC). He has also prosecuted and defended employment and general business litigation matters, including representing financial services clients in employee non-competition agreement and trade secret misappropriation declaratory and injunctive relief actions.Mr. Thurman previously served as the General Counsel and Senior Vice President of Wedbush Morgan Securities, managed in the Los Angeles office of Bear Stearns & Co. Inc. and was a litigation partner for the law firm of Keesal, Young & Logan. As a securities manager and attorney, Mr. Thurman held NASD licenses as a Registered Representative and a General Securities Supervisor.

Paula Darling�s experience spans a career of 25 years in Risk and Asset Management, Portfolio and Collections Management, and the Analytics and Technology areas. In her role as VP of Acquisitions and Due Diligence at GE Capital, and as Chief Operating officer at EduCap, she was responsible for meeting financial goals, portfolio reporting, analytics, bond reporting, and portfolio performance. She is a veteran in the Business Intelligence field with vast experience building scorecards and employing predictive modeling for producing the strongest and most successful results. Paula brings all of her skills and strategic acumen acquired from her leadership positions to Mined Systems to produce results for clients both strategically and tactically.

Molly McCombe is Managing Director and Chief Marketing Officer for Citi Retail Services, which provides consumer and commercial credit card products, services, and retail solutions to retailers across the U.S. and Canada, servicing millions of accounts for brands including Best Buy, ExxonMobil, Macy's, Sears, Shell, and The Home Depot, among others.Molly was previously Executive Vice President for Strategic Marketing Services of HSBC's Card and Retail Services division leading all online marketing and marketing operations.Molly holds a B.S. in Business Administration from Boston University and an M.B.A. from the J.L. Kellogg Graduate School of Management at Northwestern University.

Scott Miles currently serves as Director of Operations Process and Strategy at Dell Financial Services (DFS) in Round Rock, Texas. DFS is a leading provider of private-label financing to Dell customers ranging from consumers to large corporations around the world. Scott has extensive experience in Operations, Risk Management and Finance through his work at DFS, Citi Cards and Associates Financial Services. He holds a BBA in Economics from Texas Tech University and an MBA from the Jones Graduate School of Business at Rice University.

Chuck Dreyer has over 20 years of experience in the financial services industry. He is Senior Vice President and Director of Sales at Citi�s Enterprise Payments Payments Solutions. His responsibilities include developing new co-brand credit card partnerships with leading brands throughout the US, and working across Global Cards to facilitate international co-brand opportunities. Additionally, Chuck is responsible for establishing marketing alliances that leverage Citi�s card portfolio assets to advance a partner�s growth goals. Prior to joining Citi in 2012, Chuck served as SVP of Affinity and Co-Brand Sales for Bank of America for 7 years, and was Senior Vice President-New Partner Business Development at The Kessler Group in Boston for 14 years.