Banco Popular de Puerto Rico

As a branding expert with more than a decade’s worth of experience consulting for Fortune 100 companies, Justin specializes in the development of comprehensive brand strategies focused on increasing current customer engagement and developing new channels for growth.Over his career, Justin has worked with leading brands in retail banking, financial technology and wealth advisory services to develop customized strategies rooted in quantitative and qualitative research, consumer insights and data analysis.He is currently a Senior Brand Strategist at Brownstein Group, the oldest independently owned advertising and public relations agency in Philadelphia, as well as an Adjunct Professor at Temple University. He earned a bachelor’s degree in advertising from Temple University’s School of Media and Communications.

Bill McCracken is Chief Executive Officer of Synergistics Research Corporation (SRC), the leading provider of syndicated consumer and small business marketing research intelligence for the financial services industry. �In this capacity, he has guided SRC since 1999, specifically in client relations & business development, product development and strategic direction. �Under Mr. McCracken’s guidance, Synergistics Research Corporation continues to be the premier provider of syndicated research for the financial services industry.� Each year, the company sells research to most of the top 30 banks in the country, the top ten card issuers, and many top insurance and money managers.�Mr. McCracken has had extensive experience in the financial services industry having served in a variety of functions.� Prior to this position, Bill most recently served as Chief Financial Officer of Reliance Trust Company, one of the country’s largest independent trust companies.� Mr. McCracken’s early career was spent at Wachovia Bank & Trust, First Atlanta National Bank and Fulton Federal Savings and Loan.�Mr. McCracken graduated with a B.S. in Marketing from PennsylvaniaStateUniversity and received an M.B.A. in Finance from GeorgiaStateUniversity.� He is also a Certified Public Accountant.� Mr. McCracken is a member of the Georgia Society of CPA’s and the American Institute of CPA’s.� He is on the Board of Advisors for the Survey of Consumer Payments of the Federal Reserve Bank of Boston. He is a frequent speaker at financial services conferences, both in the US and internationally.� Mr. McCracken was born in Lima, Peru.Mr. McCracken lives in Duluth, GA with his wife and two sons.�

Heather Schlegel is a futurist tracking the future of money, economies, identity, wearable tech, relationships, augmented intelligence and humanity. She is best known by her online moniker, Heathervescent. Her research has been covered in the New York Times, CNN, American Banker, CNBC, Fox and the Atlantic. Schlegel speaks, researches and consults through her company, The Purple Tornado. Follow her on Twitter @heathervescent.

Frank Rotman is a founding partner of QED Investors. He blogs at www.fintechjunkie.com.�

Charaka Kithulegoda is the Chief Information Officer at Tangerine. He is responsible for leading and managing the bank’s IT operations and oversees the Project Management Office. With an interest in disruptive technology and biometrics, Charaka is always looking for innovative ways to make banking simpler, relevant and more engaging for the bank’s Clients.During his time at Tangerine, Charaka has spearheaded and enabled consumer-focused projects such as the launch of Tangerine’s mobile banking platform, voice banking and biometrics – along with many other products and services that have utilized technology to provide an exceptional customer experience.An avid runner and cyclist, Charaka has participated in Princess Margaret Hospital’s annual Ride to Conquer Cancer since its very first year. He has volunteered his skills and passion for technology to help The Stop, a local community-based organization, to define and implement a sustainable IT strategy.Charaka received his EMBA from the Ivey Business School in 2014. He was named IT Leader of the Year by Computer World Canada in 2011 and Mobile Banker of the Year by Mobile Technology News in 2013.

Jon Rognerud, SEO Strategist, Consultant & Author of "The Ultimate Guide To Optimizing Your Website" (Entrepreneur)Yahoo! veteran Jon Rognerud speaks, trains and consults with firms in the U.S. and abroad on how to build and run their digital marketing campaigns for increased profits - with special focus on SEO and WordPress development. Via his digital agency that began in 2006, he helps to grow companies in the finance, technology, health & real-estate sectors. Visit�www.chaosmap.com�for downloads and training materials.

Jeremy R. Newell is executive managing director, head of regulatory affairs and general counsel of The Clearing House Association.

Peter Cherpack is a principal at Ardmore Banking Advisors.

Mary Ellen Biery is a senior writer and content specialist at Abrigo.

Brigid Mellon is a Vice President in the Digital Customer Experience team at Wells Fargo. As a design and content strategy manager, she is dedicated to creating innovative, useful, and engaging customer experiences. Since joining Wells Fargo in 1999, she has helped to establish the content strategy practice and to grow the Wells Fargo digital content team from 4 writers with 1 million online banking customers to 25 content strategists with more than 26 million online banking and 16 million mobile banking customers.Before her digital career, Brigid was a book editor in New York City. She graduated from Pomona College with a degree in English Literature.Brigid lives in her native San Francisco but loves to travel. She's thrilled to be in New Orleans again, where the good food outweighs out her fear of Gulf Coast humidity.