Banco Popular de Puerto Rico

Mr. Majors is the founder of Phoenix Marketing International Payments Systems Practice research division, and has more than thirty years of consulting and project management experience covering many areas of banking and technology research, including managing an annual ATM industry tracking study since 1980 and a Consumer Payments Preferences study which has run for more than 10 years.� Each year, Mr. Majors and his group interviews thousands of banks, thousands of corporations and tens of thousands of consumers on all aspects of the payments landscape. Phoenix Payment Systems Practice’s primary research efforts include analysis and forecasting to measure and project the impact of emerging technologies on the use of traditional banking and payment systems and services. This effort includes annual tracking studies in ATMs, Mobile Banking, Branch Technology, and B2B and Consumer Payments. Mr. Majors has managed over 200 projects in financial services research.Mr. Majors is a noted industry speaker with appearances at industry conferences including the National Postal Forum, Bank Administration Institute (BAI), NACHA, IFO/TAWPI and Smart Card Alliance events and conferences. For the past several years, Mr. Majors has been a member of the Board of Advisors to the Federal Reserve Bank of Boston’s Survey of Consumer Payment Choices.

Gizelle Barany is General Counsel of Marqeta, Inc., Gizelle is a seasoned financial services and regulatory attorney with over ten years of experience in the prepaid industry. Prior to joining Marqeta as General Counsel, Gizelle served as Senior Corporate Counsel for Blackhawk Network, Inc., an early and innovative leader in the industry. Gizelle's experience includes providing strategic, practical and creative legal solutions to a variety of complex regulatory, compliance and commercial challenges.Additionally, Gizelle has collaborated closely with lobbyists on strategy and approach, educating Members of Congress and federal regulators and preparing proposed legislation and regulatory comment letters. Gizelle has participated as a strategic and technical contributor to the NBPCA board and executive committee and government relations working group. Gizelle has also given presentations on prepaid regulatory and compliance issues at several industry conferences.

NICOLE IBBOTSON is General Counsel at ITC Financial Licenses, Inc. an InComm company.� Ms. Ibbotson oversees domestic and international legal and regulatory matters for all Financial Services programs offered by InComm and its affiliates. �InComm's 400,000 partner locations generated over $20 billion in retail sales of prepaid and other financial products throughout 26 countries in 2013. Her expertise extends generally to strategy, product innovation, negotiation, drafting and M&A, and more specifically to regulatory compliance and legislative affairs relating to network-branded cards, money transmission, virtual currency, mobile payments, bill payment and related financial technology services. Prior to InComm, Ms. Ibbotson practiced with Paul Hastings’ payments group counseling global payment companies, card associations and financial institutions, and with Morris, Manning & Martin’s financial technology group counseling start-up and mid-size payment companies and financial institutions.

Darrell MacMullin has driven successful new payment and commerce innovations for the past 15 years, including the launch and leadership of PayPal during its first eight years in Canada. He has worked closely both as an advisor and investor with entrepreneurs, developers and industry partners to accelerate the growth of new FinTech payments and commerce experiences. Darrell provided thought leadership and innovation expertise for the convergence of online, mobile and offline into one commercial stream with government, banks and new FinTech companies. Prior to PayPal Darrell was part of the successful launches and rapid growth of eBay and Chapters Indigo online into leading commerce players.

Suneera Madhani is CEO and founder of Fattmerchant, a subscription based merchant services provider.

Chiro Aikat is Senior Business Leader, U.S. Product Delivery (USPD) for MasterCard Worldwide.� Mr. Aikat has led the creation of the Debit Delivery vertical within U.S Product Delivery that was responsible for the successful execution of many Debit flips and Brand conversions that directly contributed to US Markets increased Debit share. Currently, Mr. Aikat is leading the creation and management of the Go to Market Team within USPD that is responsible for the creation and execution of US market level strategies like EMV, Durbin and Merchant Settlement. Prior to moving into U.S. Markets, Mr. Aikat held various positions within Customer Implementation Services (MasterCard Technologies). Responsibilities range from leading and supporting the Asia Pacific region with customer implementations and setting overall MA customer implementation strategy and processes for new emerging products like PayPass.�Mr. Aikat has over 13 years of experience in the payments industry and with MasterCard Worldwide. Mr. Aikat holds a B.S. in Business Administration from Saint Louis University.

Scott Laliberte is a Managing Director with Protiviti, a global consulting firm. He leads the Vulnerability Assessment and Penetration Testing segment within the firm’s IT Consulting practice.

Rich Wagner is CEO and founder of Advanced Payment Solutions, a London-based payment technology and financial services company.