Banco Popular de Puerto Rico

Barry McCarthy serves as executive vice president and head of Consumer and Network Solutions (CNS). �CNS includes:� the STAR� debit network, the third-largest debit network in the US; Money Network�, the largest prepaid payroll solution in the US; Gift Card and Advanced Marketing Solutions the largest pre-paid business supporting over 2 billion active store-branded prepaid cards; GYFT (gyft.com), a recent First Data acquisition and the largest prepaid mobile wallet; and TeleCheck�, the largest check guarantee solution which helps merchants safely accept checks at the point-of-sale.Prior to his current role, McCarthy was responsible for the turn-around of the Financial Services business that had been in revenue and EBITDA decline for more than 7 years.� In less than 2 years, he moved the business from the company�s worst performing unit, to its best.� Revenue growth moved from -4% to +8%, total profitability increased 51%, while margin improved from 40% to 52% (1200 basis point improvement).� He also provided leadership for the company�s historic collaboration with Apple on Apple Pay.Earlier, McCarthy was responsible the company�s entire relationship and P&L with all US financial institutions, and previously had responsibility for First Data�s Asia-Pacific merchant business, overseeing a $900 million P&L for the company�s ventures serving India, China, Hong Kong, Singapore, Korea and Australia.Joining First Data in 2004 as head of the merchant product organization, McCarthy�s responsibilities were expanded to ultimately include global product management and several new businesses.. During this tenure, he created and launched innovative products and services that have generated more than $1 billion in revenue including eCommerce, mobile/social, data analytics and point-of-sale terminal solutions.�Prior to joining First Data, he was responsible for the turn-around of the payments business at VeriSign (NASDAQ: VRSN), now owned by eBay/PayPal (NASDAQ: EBAY). He also co-founded MagnaCash, a Silicon Valley-based micropayments company that provided a check-out system similar to iTunes.� Through subsequent transactions that business is now owned by Digital River (NASDAQ: DRV).McCarthy started his career at Procter & Gamble (NYSE: PG), where he spent 12 years in sales, regional and national sales management, customer marketing and brand management roles. He was responsible for the national introduction of dozens of new products for the Oil of Olay�, Secret�, Sure�, Old Spice� and Bain de Soleil� brands. McCarthy first entered the payments technology industry at Wells Fargo (NYSE: WFC), where he was responsible for the 14 million card and 6,500 ATM business.He is the 2015 Chairman of the Technology Association of Georgia (TAG), the nation�s largest technology association with more than 27,000 members. He served as Chairman of the state-wide Georgia Technology Summit (GTS) in both 2013 and 2014, and currently serves on the boards of Junior Achievement of Georgia, and Catholic Charities of Atlanta.�He has also served on multiple corporate and joint venture boards globally including Merchant Solutions (Singapore), ICICI Merchant Solutions (Mumbai), Merchant Link (Washington, DC), PNC Merchant Solutions (Pittsburgh), and non-executive Chairman of eSurg.com (Seattle), an e-Commerce medical supply company, which was acquired by Henry Schein Corporation (NASDAQ: HSIC).� McCarthy earned his master�s in business administration from the Kellogg School of Management at Northwestern University, and resides in metro Atlanta.

Vince Hruska is Senior Vice President of Product Strategies for City National Bank, where he manages strategy, development, delivery and pricing of bank products and services serving individuals, private clients and businesses, including deposit, consumer lending, small business lending, residential lending (mortgage and home equity), cards (credit, debit and pre-paid), payments, international and other banking services. Leading a team of product professionals, he is responsible for rate setting and fee pricing, profitability, business case development and internal sales of new product development initiatives. Vince formerly was SVP and manager of online banking and internet based services serving small businesses to corporate multi-nationals at Bank of America. He also founded and led a technology and payments developer and consultancy that served firms in the banking, entertainment and technology industries.� He started his career at First Interstate Bank and later Wells Fargo, where he led the electronic commerce, payments and internet based activities of those firms serving small business to large corporate clients.

The focus of Angela Finn�s 25 year career in the card payments business has been on the development and delivery of products that produce bottom-line results for her company.� She has held a number of positions in both card issuing and merchant acquiring, leveraging valuable knowledge of bank and processor technology gained along the way.� As Manager of Debit & Prepaid Products for Commerce Bank, Ms. Finn manages all phases of the product life cycle and oversees the implementation of payment innovation, such as Apple Pay and EMV Chip.� She holds her Bachelor of Science Degree in Business Administration from the University of Nebraska, and is a graduate of the CBA/BAI Graduate School of Retail Bank Management.

Laura Labno is a Senior Vice President at MB Financial within the Risk Management area.� Laura joined MB Financial in 2010 to establish an Enterprise Risk Management (ERM) program. �Responsible for designing, implementing and managing an ERM framework that identifies, monitors, and reports on the various risks across the bank, enabling an integrated view of collective risk. This entailed coordinating established risk programs and management teams to create an integrated process and methodology across all areas of the organization.During her tenure, Laura was called upon to develop the risk management program for the Prepaid Card business, including leading the development of policies, procedures, monitoring and tracking of performance for Board and management level of reporting.�� Under Laura�s leadership MB Financial has established a successful risk management structure for the Prepaid Card business, interacting with both internal and external stakeholders.� Laura�s focus is always on ensuring business strategy and plans are met, and that the risk/reward trade-off produces a win-win for all parties.Laura started her career in retail credit risk management for private label retail and general purpose credit cards, including JC Penney and Discover.� She expanded her risk management expertise within the Corporate Risk Management area at HSBC.Laura earned a Master�s in Business Administration at the Fisher College of Business at The Ohio State University, as well as a Master�s and Bachelor�s from the University of Illinois at Urbana-Champaign with an emphasis in statistics and social research.

Peter is VP of Payment Strategy & Industry for Enterprise Payments at Capital One, responsible for directing payments strategy and industry relationships within the company. He has over 15 years of experience in the payments industry and a deep understanding of the payments industry, including rules and regulations around payment networks, types of payment systems and technologies, and how such systems work.Peter has industry experience in both e-commerce and digital payments, and his expertise includes payment system designs, hubs, payment networks, product and risk management and payment strategy. He has his Accredited ACH Professional (AAP) designation and provides leadership in many industry forums, such as SWACHA�s Board of Directors, FRB Fifth District Payment Advisory Council, ABA Payments System Committee and NACHA.

Kathy Coonan is the Vice President, Account Services at Golden 1 Credit Union, the 6th largest credit union in the U.S. She assesses the strategic alignment of the most advanced payment technologies available including mobile wallets, mobile and application payments, emerging communication payments, and virtual currencies. When those technologies are determined a match, she leads cross-functional teams to deploy them across the enterprise in order to provide Golden 1’s 725,000+ members the power of informed choice. �Kathy has 20+ years of policy, process, product development, quality control, and operational experience across multiple delivery channels in the Credit Union space. You can follow her on Twitter @KathyCoonan.

Andy Zichek is director of product management for 2checkout. He has also worked as a payments product manager for Abercrombie and Fitch.

Shannon Johnson is responsible for consumer deposit products and payments including product management as well as mass market and client acquisition strategy development.�Ms. Johnson joined SunTrust in May of 2013.� She previously served in a variety of program and product leadership roles with PNC and National City including consumer checking and rewards, university & workplace banking, business banking specialty sales, consumer market research, and retail marketing. Prior to joining National City, Ms. Johnson was a consultant with McKinsey & Company �in Cleveland, OH and Dublin, Ireland where she served clients in the retail and banking industries.Ms. Johnson graduated from the University of Pennsylvania Phi Beta Kappa and summa cum laude where she majored in chemistry and environmental studies.� She also holds an MBA from the University of Pennsylvania, Wharton School of Business. She is currently a member of the Board of Directors of the Technology Association of Georgia Education Collaborative.