Banco Popular de Puerto Rico

Bob Gibson is vice president of branch operations for Cummins Allison, a company that provides technology and check, currency and coin handling solutions.

Tom Bloetscher joined Regions in 2002 and currently leads the Consumer Credit Risk Management team at Regions Financial Corporation, serving as the primary credit risk contact for the consumer lending and mortgage line of business units.� He is responsible for consumer credit policies, underwriting procedures and portfolio management strategies. Tom also has responsibility for consumer loss forecasting, portfolio stress testing, and credit scoring models.� Regions is a top U.S. bank-holding company headquartered in Birmingham, Alabama, with $121 billion in assets, operating 1,700 banking offices in 16 states.Prior to his current role, Tom led the Bank�s Credit Administration team and also served as its Senior Credit Officer for Consumer Lending.� Before joining Regions, Tom served in various positions at Experian, CIBC, World Omni Financial Corp. and Barnett Banks.Tom holds a bachelor�s degree in Economics and Finance from Miami University in Ohio and an MBA from Vanderbilt University. �He has earned the Financial Risk Manager (FRM) certification from the Global Association of Risk Professionals, and is an active member of GARP and the Risk Management Association.� He is also a frequent speaker at industry conferences.

Laurent Cremer has held the position of Executive Director of OSPT Alliance since its formation in 2011. In this time he has driven awareness of the alliance, secured partnerships within the public transport ecosystem and engaged new members to join and contribute to the work of the body. Within his role Cremer liaises directly with the OSPT Alliance Board and members to coordinate and implement its strategic vision. He works across its various working groups to advance objectives and represents the alliance externally at industry meetings and conferences globally. Cremer joined the OSPT Alliance with more than 20 years� experience working within the smartcard and RFID sector across the telecom, transportation, banking and ID markets. He has worked in numerous roles for companies such as Arkadin, IPICO, TID and Gemalto, worldwide.�

Michelle possesses nearly 30 years of experience in the financial services industry with a deep understanding of regulatory compliance and project management.�She has extensive experience managing the development and delivery of software and analytics products in support of consumer and small business lending, �At Bridgeforce,� Michelle has established and overseen the project management office functions for some of the largest Bridgeforce engagements focused on critical regulatory compliance and operational improvements.� She continues to be heavily involved in the field of credit bureau management and recently has led CBM compliance ventures to help clients quickly satisfy regulatory accuracy and integrity expectations.� Michelle holds an MBA and a BA in Business, Music and Computer Science from Baldwin Wallace University.

Alon Feit is the CEO of PayItSimple USA Inc., a payment solutions technology company. He has also served as CEO of Supersal Finance, a credit card issuer owned by Isreal's largest bank, and was also CEO of Europe Assistance Isreal; and as an executive director at the credit card subsidiary of Unibanco.�

Elizabeth A. Singer supervises all of the Department of Justice�s work under the Servicemembers Civil Relief Act (SCRA).� Under Ms. Singer�s leadership, the Housing and Civil Enforcement Section has produced settlements that are expected to provide over $200 million in monetary relief for servicemembers and will ensure, through powerful injunctive relief, that the nation�s five largest mortgage servicers implement new procedures to prevent active duty servicemembers from being foreclosed on improperly or from being charged excessive interest rates.� She also supervised the Department�s $60 million case against Sallie Mae for excessive student loan charges to servicemembers, and the Department�s $9 million case against Santander Consumer USA for unlawful auto repossessions against servicemembers.� She received her J.D., magna cum laude, from Harvard Law School in 1990.

Austin Mills is an associate in the Fintech/Payments Group of Morris, Manning & Martin, LLP, a law firm whose clients include companies in financial services, commercial finance, healthcare, technology and other industries.

Lauren is Partner/COO of Solutions for Account Management, Inc. (SAM) providing consulting solutions to the Accounts Receivable Management industry.� SAM provides recommendations to credit originators across all industry verticals that include: third party agency selection, debt sale strategy, First Party and Customer Care strategies, probate/bankruptcy servicers, and mail service vendors.Previously, Lauren was Vice President of Payment Solutions with Direct Brands, Inc., the largest direct-to-consumer distributor of media products in the United States, which operates iconic brands such as Book of the Month Club, Doubleday, and Columbia House. She had been with Direct Brands for over 13 years and oversaw the operations and performance of the Payment Solutions and Customer Service teams.��Lauren has developed several best practices for�internal and external collections, fraud/loss prevention, Customer Service and credit card processing.�She has an extensive background in establishing and managing payment strategies in order to reduce bad�debt.Prior to joining Direct Brands, Inc., Lauren worked at Arthur Andersen where she completed valuations of business enterprises including private and publicly traded equities, debt securities, and intangible corporate assets in connection with strategic planning, merger and acquisitions, corporate restructurings, and tax planning.� Lauren is a graduate of�Lehigh�University with a Bachelor�s degree in Finance and Marketing.�

Jo Webber is founder, chairman and CEO of Oink, a youth-focused payments company. Webber has also served as CEO of InnaPhase and Energy Solutions International.