Banco Popular de Puerto Rico

Sue Kelsey is Senior Vice President of Product Management at MasterCard, based in the US Headquarters, Purchase, New York. In her role, Sue is responsible for setting and driving best practice for the global prepaid card portfolio in order to optimize product delivery for MasterCard customers and consumers.Sue has 20 years of experience in marketing and product management. Prior to joining MasterCard, she held marketing positions in the consumer packaged goods industry at both GlaxoSmithKline Consumer Healthcare and Reckitt Benckiser. There she held a variety of Marketing Leadership roles at both the local market and global marketing level. She has lived and worked in the UK, Australia, France and the US.Sue holds a Bachelor of Science degree from the University of Leeds in the UK and lives with her husband and two children in the New York area.�

Guillaume Forget is director of product management at Cryptomathic.

Ryan Fox is an identity and access management expert with over a decade of experience serving both commercial and public sectors including ID.me, Equifax, Booz Allen Hamilton, and the United Nations. He is currently the Director of Consumer Identity for Capital One.

Richard is a career risk manager with experience that spans the globe with international financial institutions including Visa International, Citigroup and JPMorgan Chase. His expertise includes executive roles in fraud operations, fraud policy and oversight, customer authentication and identity management. Most recently he formed Parry Advisory, a venture dedicated to promote clear-thinking on identity risk and provide thought leadership on the importance solving problems as they are experienced rather than as they are perceived. Crucially he eschews indignation for thoughtful analysis of cause, effect, and remedy.

Ram Palaniappan is senior practice director of data analytics and insights at TEKsystems.

David has been an entrepreneurial leader and innovator throughout his career.� His consistent focus on how technology can be harnessed to power creative business models has earned him and his teams patents and prestigious awards, including Best Use of Mobile for Social and Economic Development at the Mobile World Congress.� He is passionate about bringing products and services to hard to reach populations, generating social and economic impact.�David is currently Deputy CEO of Grameen Foundation.� He previously served as executive vice president for global programs, where he led a team developing innovative solutions in financial services, agriculture and health to address some of the most persistent problems facing underserved people. These solutions, enabled by digital technologies, have proven that market inefficiencies and failures can be overcome by working directly with customers to develop impactful and sustainable business models.Previously, at Microsoft, David designed pioneering, technology-enabled business models to deliver affordable products to people in emerging markets.�At McKinsey & Company, he worked extensively in the telecommunications and consumer goods sectors, with a focus on creating business strategies tailored to the needs of consumers and businesses in developing countries. Earlier in his career, he conducted economic analyses and evaluated public policy with the White House Council of Economic Advisers and Resources for the Future.��

Donald F. Schwarz, MD, MPH, MBA is the Vice President, Program for the Robert Wood Johnson Foundation, the nation's largest philanthropy dedicated solely to health. In this role, Schwarz guides the Foundation’s strategies and work closely with colleagues, external partners and community leaders to build a Culture of Health in America, enabling everyone to live the healthiest life possible.Schwarz, a nationally-recognized leader in public health and children’s health care, is formerly Deputy Mayor for Health and Opportunity and Health Commissioner for the City of Philadelphia where he oversaw the Departments of Human Services, Behavioral Health, and Intellectual Disability Services, and the Office of Supportive Housing. Most recently, he was a Foundation director, leading efforts to catalyze public demand for healthier people and the places in which they live, work, learn, and play.Schwarz currently leads the Foundation’s efforts to promote healthier, more equitable communities, healthy children and healthy weight.During his tenure as Deputy Mayor in Philadelphia, the city experienced a 5 percent reduction in childhood obesity, and a decline in adult obesity rates. The city also had more than a 50 percent increase in permanent housing for homeless individuals and families, and a 24 percent reduction in the rate of dependent children being removed from their families. Under his leadership, access to the behavioral health system (including the County of Philadelphia’s Medicaid program) increased, and the number of those with serious mental illness who moved to independent, community-based living increased substantially.As Health Commissioner, Schwarz worked to initiate successful anti-obesity and smoking cessation programs, introduced electronic health records to the city’s eight federally-qualified health centers, and established a unique public-private partnership to construct a new health center, recreation center, and library complex to serve the needs of the highly diverse South Philadelphia community. Rates of HIV also declined in Philadelphia, the city has reached its lowest rates of infant mortality, and Philadelphia had the highest rates of childhood immunization of America’s large cities.Before entering government service, Schwarz was Vice Chairman of the Department of Pediatrics of the University of Pennsylvania School of Medicine and Deputy Physician-in-Chief and Craig-Dalsimer Division Chief of Adolescent Medicine at The Children’s Hospital of Philadelphia. He was Professor of Pediatrics in the University of Pennsylvania Schools of Medicine and Nursing and a senior fellow at the Leonard Davis Institute for Health Economics at Penn. Earlier in his career Schwarz was a Robert Wood Johnson Foundation Clinical Scholar.An active researcher in the area of adolescent risk behaviors, Schwarz received both public and private funding for work that examined the issues of injury and its prevention in urban, minority communities, public policy approaches to adolescent violence, and physician- and nurse-practice-based interventions to improve outcomes for high-risk infants.Schwarz, a board-certified pediatrician, holds a Master of Business Administration in health care administration from The Wharton School, University of Pennsylvania. He received his MD and MPH from Johns Hopkins University, and earned his BA in biology from Brown University.ABOUT THE ROBERT WOOD JOHNSON FOUNDATIONFor more than 40 years the Robert Wood Johnson Foundation has worked to improve health and health care. We are working with others to build a national Culture of Health enabling everyone in America to live longer, healthier lives. For more information, visit www.rwjf.org. Follow the Foundation on Twitter at www.rwjf.org/twitter or on Facebook at www.rwjf.org/facebook.

Chris Skinner is an author, expert and speaker on banking, finance and fintech. He is the author of the The Finanser blog and chairs the Financial Services Club.

Justin Schardin is director of the Financial Regulatory Reform Initiative at the Bipartisan Policy Center.

Ryan Rackley is a senior director at Cornerstone Advisors.