Banco Popular de Puerto Rico

Edward J. Achtner (EJ) joined Bank of America in 2002.� In April 2016, he became the Digital Banking Executive.� He oversees all digital activities including strategy, products, innovation, partnerships and platforms.� Prior to that, he was Bank of America’s Financial Center Regional Sales Executive for San Francisco, Silicon Valley, and the North Bay as well the national chair of the company’s Regional Sales & Operations Council.� He was responsible for comprehensive revenue generation, partnerships, client experience, and risk mitigation and digital platform integration (field-test, feedback, and adoption) in the Bank’s Financial Centers and his team is closely integrated with the company’s Digital Banking and Technology and Operations teams, as well as the Stanford Design School (d.school), to design and deploy the company’s digital strategies.EJ is also very engaged in Bank of America’s community engagement.� Through his representation of the Consumer Bank on Bank of America’s Market President teams located in San Francisco, Silicon Valley, and the North Bay he supports the company’s local philanthropic and volunteer efforts.� Additionally, he works with his peers to foster coordinated business integration activities across all lines of business in order to deliver one company to our customers, leading the entire nation in 2015.� He also served on other Executive Leadership positions such as the East Bay Economic Development Alliance and the California Banking Association’s Residential Lending Committee, with past participation on the Executive Board of the Maryland Academy of Sciences.EJ received his Juris Doctorate (JD) and graduated from the Washington College of Law (American University) and substantially completed his course work for a Masters in Business Administration (MBA) at the Kogod School of Business (American University) due to working on two startup ventures.� For his undergraduate degree, he received a degree in International Business and Russian Area Studies at Union College.He resides in the North Bay with his wife Ilse and their four children.� He has also participated on Bank of America’s2014/2015 AIDS/Lifecycle team, riding from San Francisco to Los Angeles, and leading all corporate teams having raised over $300,000 for HIV/AIDS research.

Jon Riber is a Senior Vice President for DBRS and has managed the company's student loan ABS team since 2011. �Over the past few years, Jon has rated the majority of student loan asset-backed securities (ABS) transactions brought to the capital markets, including all of the transactions issued by student loan refinance lenders in the fintech space. �Jon also rates several warehouse lending facilities provided by investment banks in the sector. Jon has developed and maintains the DBRS methodologies and criteria for the rating of federally funded and private student loan securitizations. �Jon acts as a voting member on the DBRS Rating Committee which approves rating actions for all consumer ABS transactions. From 2003 to 2010, Jon was a Vice President within Citigroup Global Markets’ RMBS investment banking group where he focused on the origination and securitization of all types of mortgage related assets. From 2000 to 2003, Jon worked in the ABS investment banking �group at Wachovia Securities where he managed the structuring and securitization of ABS transactions.� From 1997 to 2000, Jon worked in the investment banking group at Prudential Securities focusing on ABS and RMBS deals. �Jon hold a BS from UMASS, Amherst and an MBA from Bentley University.�

Vincent Basulto is a partner in the firm’s Corporate Department.� Mr. Basulto has a wide range of transactional and regulatory experience representing both dealer and buy-side clients in structured finance, debt transactions, marketplace lending, derivatives and other transactions involving complex financial products. ��Drawing on his 15 years of in-house experience at a leading investment bank and a global banking firm, he brings a deep understanding and first-hand knowledge of our clients’ needs and concerns to his practice.�Prior to joining RK&O, Mr. Basulto was managing director of the credit markets division at Macquarie Group, where he also served as general counsel for one of the investment bank’s investment advisers.� Mr. Basulto was previously a senior vice president in the office of the general counsel at Lehman Brothers, where he was responsible for fixed income credit products.�Mr. Basulto is a member of the American Bar Association, the New York State Bar Association and the New York City Bar Association, where he serves on the Structured Finance Committee. He earned his J.D. from the University of Michigan Law School and his B.A. from Cornell University. He is admitted to practice in New York State.

Chris is a strategist and consultant working on financial and healthcare platforms and applications within the blockchain ecosystem. He is also the Senior Blockchain and FinTech Advisor to the EDM Council (www.edmcouncil.org), a global industry organization of banks, broker/dealers, asset managers and financial technology vendors, and a member of the Object Management Group’s Financial Domain Task Force’s on blockchain initiatives.Chris has over 27 years of institutional broker/dealer, entrepreneurial and consulting experience across asset classes, client segments and financial platforms. Within bulge-bracket banks such as Salomon Brothers, Morgan Stanley and Deutsche Bank, he led and managed global institutional sales/trading, research publishing and distribution, electronic trading, and commission recapture initiatives.�As an entrepreneur, he founded and led companies in blockchain and digital currencies, peer-to-peer marketplaces and market networks for counterparty due diligence and compliance. As a strategic advisor and consultant, he has advised multi-billion-dollar asset management organizations and global data vendors on application, market and platform development strategies.

Anthony Jabbour is chief operationg officer of banking and payments at FIS.

Yolanda currently serves as Vice President and Associate General Counsel in Nasdaq’s Office of General Counsel providing legal support in the areas of corporate finance, SEC financial reporting, strategic initiatives (including blockchain technology), mergers and acquisitions, executive compensation, corporate governance and regulation.Prior to joining Nasdaq, Yolanda was Senior Counsel, Legal Policy in the U.S. Securities and Exchange Commission’s Office of General Counsel, where she counseled the Commission on SEC rulemaking, enforcement actions and policy matters. Prior to joining the SEC, Yolanda was in private practice in the Washington DC offices of WilmerHale and Fried, Frank, Harris, Shriver & Jacobson. After law school, Yolanda served as a law clerk to The Honorable Robert B. Kugler in the United States District Court for the District of New Jersey.�Yolanda holds a J.D. from Columbia University School of Law and a B.A. from Yale University.��

Carol Rudolph is Vice President of Digital Transformation for Financial Services – US & Canada for Gimbal Inc.� Ms Rudolph has 15+ years of experience in the Customer Experience industry - most recently with Oracle Corporation where she headed up the Customer Experience team focused on Financial Services & Banking in the southeast US.�Previously, Ms Rudolph worked for Engagepoint, Business Objects/SAP, Certus Software, Actuate Corporation and Siebel Systems.� Ms Rudolph’s career has been focused on utilizing her skills in customer experience, business intelligence and strategic business development to identify innovative ways to leverage technology solutions to solve business challenges, and create competitive advantages for Global 1000 clients.Ms Rudolph earned a Bachelor’s of Science degree from the University of Houston, TX and an Executive MBA from SMU in Dallas, TX.� She has also earned her CXPA Certification from the Customer Experience Professional Association.

Lou is the founder and CEO of Discourse Analytics a company that utilizes cognitive computing, machine learning and prescriptive analytics to improve product targeting, reduce churn and increase customer recapture for companies in the financial services industry.� The DA patented platform operationalized computational psychology models to map existing customer mindsets to determine “why” they are transacting with you and leverages this understanding to have the “next best conversation.” This engagement leads to more effective and targeted interactions and enable a “human conversation through digital channels.”Lou previously practiced law where he attempted to use creative legal solutions to enhance his clients’ business goals.� Lou ran his own firm for 14+ years.� In 2008 Lou came up with the idea or disrupting politics by attempting to “solve” how traditional “stereotypes” were becoming increasingly inaccurate predictors of political behavior and the attendant impact of the rapid disruption in politics and commerce caused by social and mobile innovation. �Lou along with his co-founder saw the opportunity to build a company that uses “mindset modeling” across multiple channels to drive better activation and engagement.� In 2013 Lou pivoted the company into financial services as it represented a larger opportunity to bring algorithmic change to an industry fundamentally altered by digital and mobile.�Lou is a graduate of the University of Michigan and the Syracuse College of Law where he was a member of the Law Review.� Lou was also a tumblr. fellow at the Personal Democracy Forum (2012), the Bull Run Beer Mile Champion (2009) and an Escape from Alcatraz Triathlon Finisher (2005).

Brian Maher is Simple's vice president of operations.

Sheila James is Vice President Operations at Align Commerce. Sheila is responsible for developing payment partnerships as well as ensuring high-quality of service to Align customers including boarding, KYC, and ongoing service and monitoring. Prior to becoming part of Align Commerce Sheila was VP of Operations at Western Union responsible for expanding online cash payments throughout the US and Europe. A serial entrepreneur with over 20 years’ experience, Sheila was co-founder of eBillme and led various roles in product management, business analysis, product development and operations providing an alternative payment solution for the US market. eBillme was acquired by Western Union in September 2011. Sheila has also worked for telecomm market leaders such as Nokia, Vienna Systems and Mitel Corporation.�