Banco Popular de Puerto Rico

George Garrick is a serial tech CEO, board member, advisor and investor specializing in consumer, advertising and promotion, marketing, mobile and retail information services and technologies. Operationally he specializes in growth stage companies and turnarounds and has so far had one IPO and four exits for a combined investor value of almost $3 billion.�Following degrees in math, engineering, and a Master’s in Management, starting in 1981 he spent 15 years as a member of the initial management team of IRI (Information Resources, Inc.) where he helped grow it from $2 million to $300 million and served as President of US Information Services, CEO of IRI Europe, and CEO of IRI North America. During this time IRI was the undisputed leader in marketing, advertising and retail information services and technology and Garrick became one of the nation’s leading experts in these fields. He also served as CEO of A.C. Nielsen for a short time.�In 1996 Garrick moved from Chicago to Silicon Valley to pursue a career in the early Internet, and in 1999 he led a $500 million IPO for Flycast Communications which he built into the largest and most successful advertising and direct marketing network of its time. Following Flycast Garrick held CEO positions at a number of startup companies including PlaceWare (sold to Microsoft), Wine.com, 1-800-FREE411, Tapjoy, Social Shield, and Brand.net. His past and current board, advisor and investor involvements include Shopzilla, Responsys, Digital Impact, Telephia, Comscore, Qik, Playdom, Adify, Dynamic Signal, Exitround and Shelfbucks. Garrick lives with his wife and 3 teenagers in Silicon Valley where they are active on behalf of several causes, and he serves on the Menlo Atherton School Foundation Board and has guest lectured at Purdue, UCLA, Northwestern and the University of Chicago.

Emma Kerr is a Director on the Visa Checkout team within the Digital Solutions group at Visa.�She is responsible for liaising closely with processor and issuer clients to enable participation in Visa Checkout and ensuring their feedback is incorporated into product.�Additionally, she oversees the strategy and execution of Visa Checkout’s consumer marketing campaigns.��Prior to joining the Digital Solutions group, Kerr worked in Visa’s Sydney, Australia, office in the Merchant Sales and Solutions team.�In that role, she led acquirer and merchant relationships and managed several industry initiatives including surcharging, Chip and PIN, and merchant adoption of payWave.�Kerr holds a Bachelor of Arts in Economics and English from Northwestern University.�Additionally, she holds an Integrated Marketing Communications certificate from Northwestern’s Medill School of Journalism. �

Brad Selby is the Head of Merchant Services at Affirm, where he leads our sales, business development, marketing, and public relations efforts.Brad has over ten years of experience in product marketing, product management, and business development.� Prior to Affirm, Brad was VP of Product Management at Roost, Inc. where he led a successful pivot of the team and product offering (acquired by VerticalReponse).� Previously, he was a Senior Product Manager at Audible.com (acquired by Amazon) and Flixster, Inc., (acquired by Warner Brothers).� He began his career at PayPal in business development and product marketing.Brad holds a B.A. from Stanford University, and an M.A. from Oxford University.��

Sean O’Dowd is global financial services director at MapR Technologies. He has spent more than 15 years focused on financial services and capital markets, coming to MapR after a sting at Teradata as its capital markets director. He has also worked for IDC Financial Insights as director of global securities and investment management service.

As the Consumer Risk and Credit Product Leader, Jason Flemish drives strategic product direction for Equifax’s credit and non-credit consumer risk and marketing products.Since joining Equifax in 2010, Mr. Flemish and his team have focused on aligning world-class data, analytics and technology capabilities to more holistically serve the financial services industry. His core responsibilities include developing and launching innovative new solutions that help organizations maximize customer value and streamline operations, evaluating and managing strategic partnerships, and establishing the Equifax brand as a trusted insights partner.Prior to joining Equifax, Mr. Flemish was a consultant with North Highland where he worked across client functions to help design and optimize CRM and sales strategies as well as manage vendor selection and deployment.�Mr. Flemish also brings deep financial, credit and risk knowledge from his experience as a marketing leader at GE Capital.�Mr. Flemish holds an MBA from Indiana University and a BS in Mechanical Engineering from The Ohio State University. He served as a Submarine Officer in the U.S. Navy. He and his wife live in Atlanta and both enjoy training for and competing in running and swimming sporting events.Speaking Experience:Jason Flemish has presented at CBA Live, numerous NCTUE Annual User Conferences, annually at the Equifax Customer Advisory Board events for both the Communications and Financial Services Groups, at the Equifax Global Leadership conference, several company-wide sales kickoffs and meetings and numerous customer-facing informational and analyst briefings on consumer risk and alternative data.

As the Chief Credit Officer for Synchrony Financial, Steve Min is responsible for making all credit lending decisions for�the company. Steve was named Chief Credit Officer in 2015 and has served as Senior Vice President of Risk Strategy�and Operations of GE Capital’s Retail Finance business since October 2011.Since joining the consumer credit business within GE in 2005, he initially served as Vice President of Risk Infrastructure�of GE Capital’s Retail Card Platform in 2005 and 2006. From December 2006 to October 2010, he served as Vice�President of Credit Strategy and Operations of GE Capital’s Retail Card Platform. In 2010 his role was expanded to�Chief Risk Officer of GE Capital’s Retail Card platform.Prior to December 2005, Steve served in various roles of increasing responsibility at Bank of America, Citigroup, MBNA�and FREDDIE MAC.

Hagai Schaffer is vice president of product management and marketing for Bottomline Technologies, a provider of cloud-based payment, invoice and digital banking technology.

Brandon Faircloth is a vice president at Nvoicepay. He's also served in executive positions at Commerce Bank and MainNet.

Tim Bates is VP of Credit Risk Management and Chief Credit Officer for BECU, a $14 billion credit union based in Seattle, Washington.� In this role, he leads BECU’s Credit Risk Management program, overseeing the organization’s risk analytics, reporting, policy, governance, and credit administration activities. �Tim assumed this role in May 2015, after serving for two years as BECU’s VP of Enterprise Risk Management and Chief Risk Officer.Tim is a twenty-five year veteran of credit risk management in the financial services industry.� Prior to joining BECU, Tim was a Senior Vice President of Credit Risk Management at Washington Mutual, where he managed a number of analytic and operational teams in credit and fraud risk management. In this role, he led credit functions that included Credit Risk Oversight, Mortgage Fraud and Risk Mitigation, Credit Information Systems, and Corporate Risk Analytics.�� He has also led analytics and consulting teams at Equifax, Experian, and Austin Logistics, engaging in the design of risk management solutions for leading domestic and international financial services companies.�Tim has a Bachelor of Arts in Economics from the University of Alabama, and a Master of Business Administration in Finance from the University of South Carolina.

Justin Benson is CEO of Spreedly. He's also served in executive positions at SafeNet and Intraware.