Banco Popular de Puerto Rico

Jim Rau is an Associate General Counsel -- SVP with Bank of America. Jim and his legal team support Bank of America�s Consumer and Small Business Online and Mobile business. Jim�s team also provides support for Consumer Online and Mobile Privacy, Digital Marketing, ATM, and Sourcing teams.Previously, Jim was the lead privacy lawyer for Bank of America and managed Privacy Legal team for Bank of America.Jim began his career as attorney with MBNA America Bank, N.A. in 1995. He earned his Bachelor's degree in 1989 from Bucknell University. In 1995, he received his JD with honors from Widener University (Evening Division) where he was a staff member of The Delaware Journal of Corporate Law.Jim is a member of the Delaware Bar.

Juan is EVP of Strategic Partnerships and Chief Transparency Officer at Bitreserve.org, a cloud-based payment network that allows members to remove bitcoin�s volatility and merchants to receive payments at zero cost.He co-founded, and until recently was the EVP and Compliance Officer of�Unidos Financial Services, Inc., an innovative financial services and technology provider catering to merchants and under-banked end consumers in the USA and Latin America.� He is responsible for the formulation and execution of the�company�s technology strategy, as well as its AML and compliance risk management infrastructure.� Previously, he was Chief Compliance Officer of Remesas Quisqueyana, Inc. in New York City.He is a member of the Bitcoin Foundation's Regulatory Affairs�and Education Committees, Co-Chair of DATA�s AML Working Group, writes about risk and virtual currencies in his blog (ContrarianCompliance.com), is an advisor and board member at various crypto-currency and technology start-ups.A�Certified Anti-Money Laundering Specialist since 2003, Juan has over a decade�s experience of building and managing AML/CFT and regulatory compliance programs for multiple international jurisdictions, including Canada, Italy, the United States and Spain, and is recognized as a pioneer in the development of compliance and risk management best practices for the money transfer industry.�Juan has been a lecturer, moderator, panelist and organizer of Anti-Money Laundering, Regulatory Compliance, and Bitcoin conferences, seminars, workshops and webcasts on dozens of occasions. �He is an international thought leader in applied technology, hands-on skills for success, operational excellence and leadership in the AML Compliance and e-payments domains.�In August of 2008, Juan was granted permanent resident status by the United States Citizenship and Immigration Services by reason of extraordinary ability in the fields of Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT).

Jay Reinemann is a seasoned business development executive with broad-based expertise in venture capital, financial services and technology. He has over twenty years of diversified financial services and business development experience working in start-ups and at Fortune 500 companies.Mr. Reinemann is the Head of BBVA Ventures, the strategic venture arm for BBVA S.A., a global retail financial group founded in 1857 with over 50 million customers in 33 countries.� Some of BBVA�s investments include:� SaveUp, Radius, SumUp, 500 Startups, Ribbit Capital and Simple.Prior to BBVA, he led Visa Inc�s venture program focused on delivering strategic and financial to the world's largest payments company through investments and global partnerships with emerging technology companies. Mr. Reinemann was also an executive at Andersen Consulting, Old Kent Bank and Trust (Fifth Third Bank) and social commerce startup Ticket Truck (Sohalo).��

Alex Horowitz is a senior research officer with The Pew Charitable Trusts’ consumer finance project.

Chuck Harris has served as President of NetSpend since July 2010. With nearly 20 years of experience in the payments industry, Chuck brings to NetSpend a wealth of knowledge gathered during his career at well-known companies including Intuit, Electronic Clearing House (ECHO), Paymentech, and EDS. Prior to joining NetSpend, Chuck served as the General Manager of Intuit's Payment Solutions Division where he managed a 900-person team delivering payment solutions to millions of small businesses. Chuck is committed to providing industry leading financial services to the underbanked, empowering them to live their lives to the fullest.

Christopher Trepel, Ph.D. is a Partner at Fenway Summer, LLC and the Chief Credit Officer of FS Card Inc. In these roles, he manages FS Card�s credit team and augments classic credit underwriting and financial product development with cutting edge behavioral science. Chris previously served as Chief Scientific Officer at Encore Capital Group where he led the Decision Science team and founded the Consumer Credit Research Institute, a multidisciplinary, research-based effort to understand subprime credit consumer financial behavior. The group�s research has been presented at major scientific and trade conferences and showcased in the national press.Prior to Encore, Chris was a Vice President within Wells Fargo�s Enterprise Risk Management division, and also filled a strategic and analytic role within the bank�s Consumer Credit Group. He was formerly a consultant with McKinsey & Company, where he advised clients during M&A, business building, private equity, and operational improvement engagements.Chris has substantial academic research experience, including a doctoral degree in Experimental Psychology, postdoctoral fellowships in Neurophysiology and Behavioral Economics, and over 45 peer-reviewed publications and abstracts spanning five subject areas.

Mark Shelby Smith is CEO and Founder of Symbiont.io, Inc. Symbiont is the merger of MathMoney f(x) which was founded by Mr. Smith in September of 2013 and the founding team of Bitcoin 2.0 project Counterparty.io. As CEO Mark brings two decades of global experience in FinTech. He is a pioneer in creating and deploying disruptive technology to the foreign exchange ecosystem for both institutional and non-institutional customer segments.�During his career Mark has been a founder of 4 FinTech companies that have gone from start-up to exit including The NexTrade ECN, MatchBook FX, Lava Trading, and Anderen Bank of Tampa Bay.