Banco Popular de Puerto Rico

Tim Collins has been with Wells Fargo for the past thirteen years. Before working as Senior Vice President of Experiential Marketing, Tim managed Brand and Direct Marketing at Wells Fargo. In recent years, he created the Experiential Marketing function at Wells Fargo. The Experiential Marketing group creates unique experiences that customers choose, setting the stage for business opportunities. This includes; sponsorships, events, virtual worlds, social media, and “only at Wells Fargo” experiences. Some of these unique experiences include the Stagecoach Appearance Program. The Stagecoach Appearance Program travels to hundreds of events every year and with over 10 museums across the US our Wells Fargo Museums serve to engage our customer while leveraging our rich history. Wells Fargo’s presence in social media is particularly noteworthy. Wells Fargo was the first large bank to enter social media, and remains a leader, to this day.Prior to Wells Fargo, Tim spent two years at the old San Francisco-based Bank of America. He also spent ten years in marketing with some of the top fast food businesses, including; Taco Bell and Popeyes.Tim has a Bachelor’s Degree from Johns Hopkins University, and a Masters of Business Administration from Northwestern’s Kellogg Business School.

Steve Karp has nearly 20 years of payments industry, management consulting, and investment banking experience. He is currently a Senior Vice President in the Enterprise Payments Strategy Group at SunTrust Bank, where he partners with executive leadership across various customer, product, and channel segments to develop and execute payment-related strategies. His areas of focus include debit and prepaid cards, ATM channel management, online alternative payments, and underbanked strategies. Prior to joining SunTrust in January 2008, Steve was a Manager at Edgar, Dunn & Co., a global payments industry consulting firm. While at EDC, he worked with and developed strategies for leading companies in the credit card, bill payment, electronic funds transfer, and mobile banking industries. Prior to EDC, Steve was Co-Founder and Executive Vice President of Allpoint, the largest surcharge-free ATM network in the United States. He led the network’s operations, financial reporting and budgeting, strategic planning, legal, and administrative functions. Steve also was part of the executive management team responsible for raising capital and guiding Allpoint from start-up through its successful sale in December 2005 to Cardtronics. Prior to Allpoint, Steve held a senior management position in the electronic banking practice of First Annapolis Consulting. While at First Annapolis, Steve worked extensively in developing detailed financial models and analytical frameworks to assist credit card issuers in evaluating alternative account acquisition and portfolio management strategies, as well as analyzing customer segmentation and profitability data. In addition, Steve has held investment banking and consulting positions at Friedman, Billings, Ramsey and ICF Consulting, respectively.

Stefan Happ is General Manager of Online and Mobile North America at American Express. In this role, Stefan has responsibility for partner and client management, marketing and merchant acquisition for new online and mobile payment capabilities and services, including Serve, the company's next generation payments platform.Previously, Stefan served as SVP and GM of the Americas in the company's prepaid business, leading the dramatic growth of the American Express Gift Card and Reward Card franchises in the United States and Canada. He has also spearheaded the company's introduction of the ground-breaking family of reloadable prepaid cards, both through the American Express E-commerce channel and through numerous distribution partnerships. Since joining American Express in 1997, Mr. Happ has held a number of positions of increasing responsibility in reengineering, product development, and sales & marketing in the American Express Consumer, Corporate and Prepaid Card businesses.Prior to American Express, Mr. Happ spent a number of years in various marketing and operational roles at British Airways across the globe. He holds a BA from University College London and an MBA from Lancaster University Management School.

Margo Tank is a partner of BuckleySandler LLP. Ms. Tank advises financial services institutions and technology companies on structuring online and mobile financial services product offerings in compliance with the Electronic Signatures in Global and National Commerce Act (ESIGN) and the Uniform Electronic Transactions Act (UETA), and other state and federal laws governing electronic financial services transactions, electronic chattel paper, mobile payments and mobile wallets, prepaid access and virtual payment methods, and laws related to privacy and data security, money transmission, and unfair or deceptive acts and practices.Ms. Tank is co-author of The Law of Electronic Signatures and Records (West, a Thomson Reuters business, 2012-2013 Edition) and numerous articles on digital commerce and payments. �Ms. Tank's other activities include acting as the Co-Reporter for the Drafting Committee preparing the Standards and Procedures for Electronic Records and Signatures (SPeRS) (http://www.spers.org/), and advocacy before Congress and federal regulators with respect to electronic financial services issues as counsel to the Electronic Financial Services Council and the Electronic Signatures and Records Association. She was named a “2009 Mortgage Banking Technology All-Star” by Mortgage Banking Magazine. Ms. Tank is also a member of the American Bar Association's Business Law Section and the Committee on the Law of Commerce in Cyberspace, a member of the Electronic Transactions Association’s Mobile Payments Committee, and is on the xDTM Standard Board of Governors.Prior to joining BuckleySandler, Ms. Tank was a partner with Goodwin Procter LLP. Before entering private practice, she was counsel to the U.S. House of Representatives, Committee on Banking and Financial Services.�

CRAIG PATERSON has been Vice President Business Process Outsourcing Management since August 2012. He is responsible for developing the compliance processes for third party vendors for the credit and servicing areas of the business. Previously, he served as Vice President Loss Recovery from 2005 to 2012; Vice President Funding from 2004 to 2005; Vice President Collections from 2001 to 2004; and, Assistant Vice President Collections from 2000 to 2001. Prior to joining GM Financial, Craig had 16 years of experience with other auto finance companies. Craig is a member of ACA International and the Debt Buyers Association (DBA) and served as a panelist at the Collection and Recovery Symposium. He earned his Bachelor of Administration in General Business from Bowling Green State University.

Jim Marous is an internationally recognized financial industry strategist, speaker, author and the publisher of both the Retail Banking Strategies section of The Financial Brand and the Digital Banking Report. He works with financial institutions worldwide on using customer insight and data to drive results. This includes developing innovative, multichannel solutions for acquisition, engagement, expanding share of wallet and retention. He has helped to successfully launch new products and services as well as build and reinforce existing products and brands. Jim has presented at several SourceMedia conferences in the past, has recently spoken in London, Sydney and Slovakia on innovation in banking and is a regular contributor and recent guest host for the Breaking Banks�broadcast hosted by Brett King.He can be followed on Twitter and LinkedIn.

Ankush is Senior Director of Market Planning at LexisNexis Risk Solutions. In this role he is responsible for the strategy and revenue growth of LexisNexis� credit risk business, which includes the products RiskView and Lead Integrity.� These products use behavioral data to help lenders gain deeper insight into fraud and credit risk at all stages of consumer lending. Prior to joining LexisNexis in 2011, Ankush worked in corporate strategy at Dun & Bradstreet and as a senior consultant with GenPact.� Ankush holds a MBA from Duke University�s Fuqua School of Business and a B.S. in Management from the Georgia Institute of Technology.

Stefan Happ is Chief Commercial Officer, Enterprise Growth�at American Express. In this role, Stefan has P&L responsibility for the digital prepaid business across international markets and in the United States, including business development, client management, marketing and portfolio management for prepaid and new online and mobile payment capabilities and services, including the Lianlian Group digital wallet in China, Bluebird, in partnership with Walmart, and Serve, the company's next generation payments platform, as well as the AXP single load and gift card business.Previously, Stefan served as SVP and GM in the company's U.S. prepaid business, re-launching American Express Serve in 2013, which has won numerous industry awards and is now available in over 30,000 retail locations across the country, as well as leading the dramatic growth of the American Express Gift Card and Reward Card franchises in the United States and Canada. He has also spearheaded the company's introduction of the ground-breaking family of reloadable prepaid cards, both through the American Express E-commerce channel and through numerous distribution partnerships.Prior to moving to the U.S., Stefan spent ten years at a number of American Express divisions and functions in the UK and Continental Europe, and served as a board member on three joint ventures.He began his career at British Airways, where he held a number of positions of increasing responsibility in sales, marketing and operations in the United Kingdom as well as Central and Eastern Europe. He holds a BA from University College London and an MBA from Lancaster University Management School.�