Banco Popular de Puerto Rico

Robert A. Giacalone is the Daniels Chair in Business Ethics at the University of Denver.

Brian Forster is senior director at Fortinet.

Jon Lukomnik is�executive director�of the Investor Responsibility Research Center Institute.

Melissa Louis, Managing Consultant, leads Gallup's Workplace Solutions Practice throughout the Eastern U.S. Melissa specializes in improving business performance by aligning and optimizing her clients’ workplace and marketplace strategies. Her expertise includes advising organizations throughout their entire talent management cycle: hiring the right employees; engaging employees and improving customer interactions; revamping performance management; creating strengths-based cultures; designing employee well-being programs; optimizing organizational design; and enhancing leadership development and coaching.Before joining Gallup in 2011, Melissa spent five years with a major professional services organization’s economic consulting practice. While there, she helped organizations improve the pricing of their intercompany cross-border transactions. She also previously worked for a leading property and casualty insurance provider. Her responsibilities included developing optimization strategies for the company’s various divisions, including operations, underwriting, sales, marketing and service. �Melissa received a bachelor of commerce degree in economics and finance from the Rotman School of Management at the University of Toronto. She received her master’s degree in business administration from the Schulich School of Business at York University.CliftonStrengths Top Five: Competition | Strategic | Individualization| Self-Assurance | Futuristic

Michael Maloney is a Manager in the Financial Services practice of Ernst & Young LLP and joined in 2013. He has six years of experience in data analysis, and four years in technology consulting for financial clients.Michael is the IT enablement lead for EY’s Financial Services blockchain and distributed infrastructure strategy for the Americas. He is responsible for technical evaluations of vendor, development of blockchain solutions, and globally coordinating technology resources. In addition, he serves as editor in chief for the EY distributed infrastructure newsletter.Oversees global teams working on technical proof of concept and application development for financial service sectors, including completed demonstrations of over 10 identified use cases.Michael coordinates EY’s global technology coordination with technology pillar leads worldwide. He also manages EY’s internal blockchain enablers and code repositories, and leverages these in a applied development lifecycle that delivers innovative PoCs.Michael previously worked for both government and private mortgage regulatory agencies where he led statistical analysis and technology implementation efforts.

Debbie Matz is on the board of directors of Mutual of Omaha Bank. She was the chairman of the National Credit Union Administration from 2009-2016. She also chaired the Federal Financial Institutions Examination Council from 2011-2013 and was a voting member of the Financial Stability Oversight Council.

Joyce Chung is a Relationship Manager at Currencycloud, and is responsible for growing the company's North American installed client base. She works with financial institutions, MSBs and PSPs, helping them efficiently leverage their payment infrastructure, grow their businesses and expand their business presence across borders.Prior to joining the Currencycloud team, Joyce worked in corporate finance/M&A at Houlihan Lokey and asset backed securities at PNC Capital Markets. She holds a BSBA in Finance and Management from Georgetown University.

Chett is driven by her innate curiosity of the unknown, and uses that to explore, conceive, launch, manage, and test new business models for ATB Financial. Her mind gets most excited when strategy, connection(s), and creativity are complemented with action, execution, precision, and partnerships. She has been innovating inside of ATB Financial for 3 years, and has led the execution of Alberta BoostR (rewards based crowdfunding platform), TradeFX (foreign currency exchange platform), 2 Entrepreneur Centres (transformation of a branch to create a unique experience for entrepreneurs), Project X (business accelerator), and is leading the charge to drive ATB LendR to market (crowdlending platform).�Her innovations have created 32 net new jobs at ATB Financial, and will generate a minimum of $3M in net new revenue next annum. To Chett, innovation is a mixture of creativity plus execution – and believes that you can’t have one without the other.

Adam C. Smith is an associate professor of economics and director of the Center for Free Market Studies at Johnson & Wales University.