Banco Popular de Puerto Rico

Ben is a partner in the Financial Services practice at Oliver Wyman, a global management consultancy.� He spends the majority of his time working with leading regional and national banks on core customer-facing strategies across products, channels and segments.� He has had the privilege of helping his clients navigate evolutions in the product landscape in real estate lending (including reverse mortgages), consumer deposits (the move from free checking), and most recently new-form lending (including peer-to-peer, consumer deposit advance and merchant cash advance).In addition to his work at Oliver Wyman, Ben has spent time with the World Economic Forum and sits on the board of Santi School Project, a nonprofit improving the quality of education for girls and ethnic minorities in Nepal.

Constance draws on a deep background in cutting-edge issues of technology and law to navigate startups, financial institutions, and governments through evolving issues of first impression in the complex regulatory frameworks and legal regimes for financial technologies in the information age.� Currently, Constance serves on the boards of several digital currency companies and supports startups and traditional financial institutions in global financial regulations, licensing and compliance, government advocacy, corporate restructuring, and strategic market development for digital currencies and distributed cryptographic ledger technologies (www.sevenadvisory.com). Prior to these roles, Constance served as General Counsel and Chief Compliance Officer of Kraken (www.kraken.com), where she helped transform a software development startup into a globally respected financial institution. Constance is a member of the California State Bar, holds a J.D. from UC Berkeley School of Law, and undergraduate degrees from Brown University and University of Cambridge. She formerly practiced at Kirkland & Ellis, Wilson Sonsini Goodrich & Rosati, the Samuelson Law, Technology & Public Policy Clinic, the Electronic Frontier Foundation and Perkins Coie, focusing on internet law, IP law, privacy, data security, and constitutional rights.� As one of the original founders of Kraken and DATA (www.datauthority.org), the self-regulatory organization for digital currency firms comprised of over 30 companies worldwide, Constance spearheads sound public policy for these emerging technologies, and is a frequent public speaker on the transformative potential of digital currencies and other cryptographic, distributed ledger technologies.

Charlie is founder of the Bitcoin Foundation (Vice-Chairman 2012 to 2014), and worked on the standardization, protection and promotion of Bitcoin. Specifically, Charlie led the partnerships and mergers of Fundacio�n Bitcoin Argentina, Bitcoin Embassy of Canada, and Bitcoin Association of Australia, making sure all local Bitcoin communities have global resources and mentoring.As co-­-founder and former CEO at BitInstant LLC, an early Bitcoin start-­-up that provided a secure, fast and convenient way of globally buying and selling Bitcoin, Charlie led the company during its infancy to innovate and provide services aligned with the needs of the fast-­-growing Bitcoin community.Currently, Charlie has taken a Business Development Role at the award-winning international online payment platform Payza.Charlie graduated from City University of New York-­-Brooklyn College with a Bachelor of Science (BS) in Economics & Finance in 2011. During his schooling, he was actively involved in hacker and Bitcoin communities where he was known as 'Yankee.' He founded his first start-­-up DailyCheckout Inc. in Brooklyn, the city where he was born. After his company grew to be one of the leading product eCommerce sites in the deal-­-a-­-day space (founded 2009 and sold 2012), Charlie began traveling the world, speaking at events and working with start-­-ups while advising on business development using his expertise in eCommerce and the finance industry.Currently residing in New York City, Charlie is one of the subjects of The Rise and Rise of Bitcoin, a highly anticipated documentary about the early days of Bitcoin. It premiered at the Tribeca Film Festival where Charlie led an exclusive Q&A panel about the film and growing industry.He continues to participate in industry panels and providing context for various news outlets who are beginning to report on Bitcoin and other crypto-­-currencies.

Steve Mott is a 25-year veteran of the electronic payments industry, specializing in �landscape� and strategic assessments, transaction economics, innovative uses of debit networks, authentication and security technologies, and emerging alternative payments types and venues�including stored value, online and mobile commerce, cloud-based/digital marketing systems, and transacting over social networks. As principal of BetterBuyDesign, a payments consultancy, Steve (and partner organizations) work with clients on strategy development, product research and design, organizational effectiveness and vendor management, technology evaluations, and market assessments. His clients include merchants, banks, processors, networks, technology providers and corporates. Steve also advises investment firms on industry trends and developments, conducts business valuations and M&A/due diligence support, and serves as an expert witnesses in patent, trade secret, and other IP matters. Steve serves as a subject matter expert for the Federal Reserve and other industry organizations, speaks at two dozen payments conferences each year, and is a frequent contributor to Digital Transactions Magazine and n*genuity Journal.

With over 10 years of experience with Phoenix Interactive, Scott�s focus has been on business solution definition for retail banking transformation programs.� Additionally, Scott has previously lead Phoenix�s client services, business development & marketing efforts.� In his current role, Scott is responsible for assisting clients to chart a positive and tangible course forward for channel transformation by identifying a range of possible solutions with concrete recommendations.� Scott provides expertise and insights to complement existing client resources when evaluating and launching new retail banking transformation initiatives and projects.� Prior background includes 15+ years in financial services, retail banking, product, software and e-business industries with strong branch banking, branch technology, sales, relationship management, marketing and leadership abilities.�

As Managing Director, Kaspersky Lab North America, Chris is for responsible for the company�s sales, marketing, and business development functions and for achieving the company�s objectives for growth in market share and profitability. Chris also has shared management oversight and responsibility for the public relations, customer support, finance, human resources and information technology functions.Chris brings more than a decade of sales, marketing and operational experience in the information security market to the company. Prior to his role as Managing Director, Chris was the Senior Vice President of Corporate Sales, Kaspersky Lab North America, during which time he was responsible for increasing market share throughout the region. Prior to joining Kaspersky Lab in 2012, Chris was the global channel sales leader at Sophos.

Priya Dozier is a vice president of product development for the Retail Payments division at FIS�. Priya has over 15 years of experience developing merchant payments, eCommerce and risk management solutions for top retailers, with an emphasis on decreasing payment expenses and managing fraud. She played an instrumental role in launching FIS InterPayment, an industry-leading decoupled debit program designed to help retailers lower payment expenses and gain insight into their customers� behavior.Examining the process from the customers� perspective, Priya looks to simplify the user experience while providing merchants increased control over customer interactions. �Through her determination and desire to challenge the status quo and define and shape the future of the industry, she has positioned FIS in the unique situation to not only meet its clients� current needs, but also to anticipate and solve all of their future needs.Priya received an MBA from the University of South Florida and a bachelor�s degree in management information systems from Florida State University. She is certified in Pragmatic Marketing.

Arjan Schütte is the founder and a managing partner of Core Innovation Capital, a leading venture capital fund investing in financial services companies that empower everyday Americans. Such investments include Oportun, Ripple, CoverHound, and TIO Networks. Arjan is a sought-after consumer finance expert and a passionate advocate for market-based financial inclusion. He blogs for Forbes, and has been quoted in the Wall Street Journal, New York Times, and Economist, among others. He has spoken everywhere from SxSW to Stanford, from Money2020 to MIT. Arjan is a Senior Advisor to the Center for Financial Services Innovation, the nation’s leading authority on financial health, which he helped start in 2004. He currently sits on the boards of BankingUp, CoverHound (as observer), Ripple (as observer), SavvyMoney, TIO Networks, and Vouch. A number of Arjan’s investments have been successfully acquired, including AccountNow (by Green Dot), CircleLending (by Virgin Group), L2C (by TransUnion), and RentBureau (by Experian). Prior, Arjan spent a decade as an entrepreneur in several venture backed startups as a technology leader and general manager including Pierian Spring Software, Cognitive Concepts (acquired by Houghton Mifflin), Capella Learning (now NASDAQ: CPLA), and DoTheGood. Arjan earned his Master’s from the Media Laboratory at the Massachusetts Institute of Technology, as an Interval Research Fellow, and his Bachelor’s in Philosophy and Communication at Lewis & Clark College. He commutes between Los Angeles and San Francisco, when he’s not doting on his his wife and two young children.