Banco Popular de Puerto Rico

Kanishka Agarwal is the Chief Data Officer of Slice and the head of Slice Intelligence, where he is the architect of the company�s data strategy and oversees the implementation of its digital commerce measurement service.Prior to Slice, Kanishka led the mobile media practice at The Nielsen Company, a role he assumed via Nielsen�s acquisition of Telephia, where he was SVP and GM of its mobile media and advertising research business. Earlier in his career, Kanishka was a consultant in the Communications Media and Technology practice at Booz Allen Hamilton, consulting with CxO-level clients at Apple, Vodafone, Sprint PCS, 20th Century Fox, Oracle, Cisco and Universal Studios.Kanishka has an MBA from Stanford University, and a Masters in Engineering from Harvey Mudd College. He is an avid badminton player and runner. A lover of animals, Kanishka recently took a two-year sabbatical to work at the San Francisco SPCA.

As North America Product Head at Citi Prepaid Services, a market leader in corporate prepaid and electronic payments solutions, Raju oversees North America product strategy, P&L, customer experience and marketing.Prior to this role, Raju was responsible for developing and executing Citi Consumer bank’s multi-relationship customer strategy. He joined Citi as a Management Associate in 2004 and has held leadership roles across Product Management, Client Experience, Risk Management and Marketing functions.Before joining Citi, Raju worked for CRA International, a strategy consulting firm. Raju earned an M.B.A. from the Wharton School at University of Pennsylvania and a B.A. degree in economics from Middlebury College

Justin Rucker is a part of Accenture�s Banking Strategy practice, focused on payments. He has worked with leading financial institutions on strategic issues related to payments, growth and operational complexity reduction.�

Mike Bozzo is a Vice President at Sallie Mae Bank, where he is responsible for whole loan and charged-off loan sales.� Prior to Sallie Mae�s strategic separation, he was a Vice President in Private Credit where he managed the recovery operation on defaulted private student loans. Mr. Bozzo joined Arrow Financial Services, a wholly-owned subsidiary of Sallie Mae, in October 2005, where he was responsible for structuring and managing strategic finance investments, and ultimately, the sale of the Arrow portfolio and subsequent wind down of the company.Mr. Bozzo has 15 years of institutional investment experience, and prior to joining Sallie Mae, was a Vice President in the Structured Finance Group of Prudential Financial.�Mr. Bozzo earned his BA from ColumbiaUniversity and his MBA from New YorkUniversity.�

Tami Cohorst is a vice president at Abtek, a credit card processing and merchant account solutions provider.��

Michael Carter is a co-founder of Prairie Cloudware (www.prairiecloudware.com), a digital payments technology company.�

Todd is the President of TECH LOCK, Inc., an auditing and information technology solutions company. Todd has over 25 years of privacy, information security, and information technology experience and has held over 25 different information technology certifications. Langusch has a well-rounded career working on both sides of the �table� as CIO of a large publicly traded financial company and as an auditor. Currently, Langusch works with organizations of all sizes within the Credit & Collections Industry with their regulatory compliance programs and information technology innovation. He specializes in Collection Systems Technology, business processes, and holistic information security; mapping requirements for multiple regulatory and industry standards in a single project. Todd has a strong background within the Collection and Debt Purchasing Industry holding top IT leadership positions at several large debt buyers and has performed over 800 security assessments in the asset receivables industry reviewing debt settlement companies, collection law firms, agencies, and other vendors to our industry. Most recently, he served as Chief Information Officer for Asset Acceptance Capital Corp. While at AACC, Langusch performed third and fourth party vendor reviews on over 300 companies and found 98% of them NOT compliant with all applicable laws and standards. More importantly, the majority of these third parties had passing audit reports or had passed reviews by Creditors, Banks or other financial institutions. Langusch also was part of the AACC CFPB readiness team and worked with over 12 CFPB auditors during Q2 of 2013.Langusch is an Payment Card Industry Qualified Security Assessor (PCI QSA), PCI Approved Scanning Vendor (PCI ASV) and a HITRUST CSF Assessor to name a few of his auditing credentials. He is also, an ACA International Certified Instructor, member of Information Systems Audit and Control Association (ISACA), Information Systems Security Certification Consortium (ISC2). In addition to ACA International, Langusch plays an active role in the Industry speaking at various conferences to offer his expertise. Langusch was named one of the Top 50 Collection Professionals of the year and has also held the Chairman of the Technology Committee position for ACA International as well as Noble Systems� SNAP Panel.TECH LOCK is an approved DBA International �Auditor and a Department of Education approved Private Collection Agency (PCA) auditing firm.

Bobby Koscheski is director of solutions consulting for merchant retail at ACI Worldwide. He has also served as president of Open Systems Solutions.��