Banco Popular de Puerto Rico

Ranked # 5 on this prestigious list, Pamela Joseph has received high praise for implementing a plan to mitigate the $300 million in revenue lost annually due to the Durbin Amendment, without imposing major price changes on consumer cardholders; rolling out a contactless EMV card in 2011, giving U.S. Bancorp bragging rights as the first U.S. bank to do so; and being first in the market with an instant credit application both on a mobile phone (Apple and Android) and on the iPad, allowing co-branded card partners to provide immediate credit card approval for store purchases. Pamela A. Joseph is vice chairman of U.S. Bancorp Payment Services and chairman of Atlanta-based Elavon, Inc., a wholly owned subsidiary of U.S. Bancorp. As a member of the 14-member managing committee at U.S. Bancorp, she is responsible for U.S. Bank Retail Payment Solutions, U.S. Bank Corporate Payment Solutions, Elavon Global Acquiring Solutions (formerly NOVA Information Systems and euroConex), and Elavon Financial Services, U.S. Bancorp’s chartered European financial institution. Joseph manages U.S. Bancorp’s Retail and Corporate payment services which include credit, debit, prepaid and small business card programs, as well as corporate, purchasing and fleet card issuing. She also oversees Elavon, the fourth largest merchant acquirer in the U.S. and fourth largest in Europe specializing in providing credit and debit card payment processing, electronic check conversion and other value added services in the United States, Mexico, Puerto Rico, Canada and Europe.Joseph is a 25 year veteran of the financial services industry. Before joining Elavon in 1994, she served with Visa International as director over new market development. Prior to her tenure with VISA, Joseph served for more than eight years in the banking industry with Wells Fargo Bank.In addition to her position at U.S. Bancorp, Joseph is a member of the board of directors of Paychex, Inc. a provider of payroll, human resource and benefits outsourcing solutions. She is a member of the board of directors for Centene Corporation, a multi-line health services enterprise that administers state Medicaid programs, and is also chairman of Gift of a Child, an organization that helps foster children find permanent families. U.S. Bancorp (NYSE: USB), with $264 billion in assets, is the parent company of U.S. Bank, the 6th largest commercial bank in the United States. The company operates 2,847 banking offices and 5,183 ATMs in 24 states and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services to consumers, businesses and institutions. Visit U.S. Bancorp on the web at www.usbank.com.

Richard Levick, Esq. President & CEO of Levick Strategic Communications, represents countries and companies in the highest-stakes global crises and litigation. His firm has directed media strategies on Guantanamo Bay; the Catholic Church; the Wall Street crisis; most of the front-page product recalls; and the largest regulatory, corruption, and merger matters in the world. Mr. Levick was honored in two consecutive years (2009-2010) on the prestigious list of “The 100 Most Influential People in the Boardroom” by the NACD and Directorship Magazine, which is based on a survey of 15,000 public company directors and executives. He has been named to multiple professional Halls of Fame for lifetime achievement. Mr. Levick and his firm have received multiple other professional awards, including, including Crisis, Litigation, Investor Relations, and Food Crisis Communications Agency of the Year.Mr. Levick is the co-author of several books including Stop the Presses: The Crisis & Litigation PR Desk Reference, and is a regular commentator on television, in print, and on the most widely read business blogs including Forbes.com and TheStreet.com.

Ginger Schmeltzer is Senior Vice President of Emerging Payments at Fiserv, Inc. (NASDAQ: FISV). In this role, Schmeltzer leads development and execution of enterprise-wide initiatives to facilitate the delivery of new payment services, with a focus on the rapidly evolving mobile payments market.Schmeltzer joined Fiserv in August 2012, bringing significant experience in both digital channels and payments. Prior to Fiserv, Schmeltzer most recently served as Senior Vice President of Digital Channel Management at SunTrust Bank where she oversaw online banking, mobile banking and digital money movement technologies, in addition to online sales and the SunTrust.com website. During her time at the bank, Schmeltzer also developed and executed strategies for mobile financial services, person-to-person payments and electronic billing and payment.Prior to SunTrust, Schmeltzer spent eight years at Edgar, Dunn & Company, where she led the development and growth of the firm�s mobile financial services practice. She also has an extensive international background, including international sales and consulting experience.Schmeltzer holds Bachelor of Arts degrees in international business and Spanish from Virginia Polytechnic Institute and State University. She also holds an MBA from Emory University�s Goizueta Business School.