Banco Popular de Puerto Rico

Jim Houlihan is a co-founder of Paladin group- an e-commerce fraud consulting firm working with merchants, financial services clients and vendors in the fight against fraud.� Jim is an industry fraud expert having spent the past 26 years in law enforcement, investigations and fraud prevention.� His most recent stint was at Orbitz as the Director of Worldwide Fraud for the muti-billion dollar online travel agency.� Prior to Orbitz some of Jim’s prior roles include being the Director of Authenticity at Bazaarvoice,� Director of Fraud at Home Shopping Network, Sr. Mgr. of Fraud at Dell Financial Services as well as Sr. Mgr. of Fraud at Citibank.��� Jim is also a 5 year veteran of the United States Marine Corps.

Rachel Schneider is co-author of "The Financial Diaries: How American Families Cope in a World of Uncertainty" (Princeton University Press; April 11, 2017). Schneider is also senior vice president at the Center for Financial Services Innovation, an organization dedicated to improving the financial health of Americans.

Rob Guilfoyle is a software engineer and data professional turned entrepreneur. As the CEO of Abe.ai he helps people engage with their finances through artificial intelligence, data, and messaging platforms.�

Aliza Gutman is director of CFSI.

Ron Pitters is Chief Information Officer with oversight of IT Strategy, Technology Architecture, Infrastructure, IT Security, Software Development and Delivery, and� Project Management.Ron has more than 20 years of experience in technology leadership providing innovative technology solutions for financial services companies in US, Asia, Europe, and Middle East including successful development and implementation of technology strategies, product development and business technology transformations. Prior to joining Bank of Internet, Ron was Founder/Managing Partner of MindAlign, a management & technology consulting firm.� In addition, Ron served in technology leadership functions at Commercial Bank Group, ABN AMRO Bank, OCBC Singapore.He received his Bachelor of Science from Principia College.

Kurt Hagerman serves as Chief Information Security Officer for Armor.

Wesley Morgan is a seasoned finance and strategy leader with 18 years of banking and management consulting experience. Mr. Morgan is currently the Managing Director of Retail Strategy & Transformation at MUFG Union bank. In this position, which he has held since 2014, Mr. Morgan manages strategic planning components for consumer banking, including retail distribution, branch transformation, payments strategy, and technology innovation.While serving as principal strategic advisor to business unit executives, Mr. Morgan is ultimately responsible for managing the strategic roadmap of actionable initiatives and delivering them for execution. He also produces research, develops analytics, and works with leaders across all business units to identify business growth opportunities and guide key decisions. In addition, Mr. Morgan leads the pursuit of new business opportunities and partnerships.Prior to joining Union Bank, Mr. Morgan was a Senior Vice President at Bank of America, where he held leadership roles in process improvement, finance, and strategic planning for both the retail bank and the mortgage bank. He also served as Head of Strategy for Countrywide Bank, FSB, where he helped lead the transition of the retail bank when it was acquired by Bank of America.Mr. Morgan has a BS in Business and Managerial Economics from the University of California, Santa Barbara.�

Lisa is a researcher and business strategist with a passion for financial innovation. Prior to joining Stellar Lisa served as a business development volunteer with the US Peace Corps (Mauritania '07 - '09), led operations and partnerships for a portfolio of research studies at the Centre for Microfinance (India) and most recently led product marketing and growth at Payoff. Lisa holds an MBA from UCLA Anderson.�