Banco Popular de Puerto Rico

Heather is responsible for managing the day to day operations for our National Products team which includes Prepaid Debit Cards, National Lending and Tax Products.� Heather started at Sunrise in June 2011 and focused on prepaid project management and implementations.� As they have grown their National Products division, her role and team has expanded to include implementations, reconciliation, billing and processor oversight.Prior to joining Sunrise Banks, Heather was a Director on the Industry Support Team at Meta Payment Systems managing prepaid processor relationships and oversight as well as program manager and vendor oversight.� Previously, she worked for Wells Fargo Student loans as a System Quality Assurance Analyst and Payments Manager.Heather received a Bachelor of Science degree in Mathematics and Computer Science from the University of South Dakota.� She currently lives in Sioux Falls, SD with her husband Brandon and son Gregory.� She enjoys being outdoors, reading and traveling with friends and family, especially going to see a country music concert or a football game.

Mauricio is an expert in international business strategy. He has worked and studied in 9 countries, in which he has helped technology companies address the challenges of localization to maximize their potential. Currently he is working to solve the challenges of payments localization, especially in countries that have low credit card use and penetration. While he currently works at Facebook, in the past Mauricio has worked at Intuit, Boston Consulting Group and Sony.

Daria Rippingale is CEO of BillPro.com. She oversees a multimillion-dollar enterprise with operations now extending across five continents.�As BillPro�s CEO, Rippingale focuses on helping merchants worldwide to build relationships with local and international customers through the company�s global network of acquiring banks, multi-currency capabilities and wide suite of payment solutions. She lives in the Brisbane area on Australia�s east coast.

Andrew Schneider has been a catalyst for emerging business opportunities at the crossroads of media and technology for over 17 years. He co-founded Live Gamer (rebranding to Emergent Payments in June 2015), where he saw great success in providing payments for the gaming industry, and in turn the need for better payment options in emerging markets.Prior to founding Live Gamer, Schneider served as EVP of Marketing at Wind-up Records, the world’s leading independent record label. Previously at Sony Pictures Digital, Schneider developed and launched award-winning interactive marketing campaigns for major entertainment franchises and developed consumer broadband content services.

Adrian Martinez is a Senior Vice President and Head of Transaction Products and Services for HSBC Retail Banking and Wealth Management.� He is responsible for a $30BN deposit portfolio and all associated transaction products and services.Martinez joined HSBC in 1994 through Household International�s General Management Training Program.� He has held a variety of roles in consumer finance and banking including ATM Network, Debit Card, Student Lending, Merchant Acquiring, Retail and Small Business Credit Card, Personal and Commercial Unsecured Lending and Retail Deposits.�� He has also managed significant Credit and Operation Risk functions.�Martinez also led the Deposit Account Payment Study for Argus Information and Advisory in 2011.�Martinez received a Bachelor�s degree in Political Science from the University of California, Davis;� a Master�s degree in Soviet Studies from Carleton University; and a Master�s Business Administration from Cornell University.�He is a past member of the MasterCard Debit Advisory Board and the Visa Acquirer Executive Council.�

Richard has strong sector expertise in branch automation, self-service banking and payment cards, with a particular focus on the UK and North American markets. He manages RBR’s European and Global ATM reports, along with its Teller Automation and Branch Transformation study, and also co-ordinates RBR’s Branch Transformation conference series. Richard joined RBR in 2006, and holds an MA degree from Cambridge University.

Lynne Barr is a partner in Goodwin Procter's Financial Institutions Group and chair of its Banking and Consumer Financial Services Practices. She advises banks, bank holding companies, brokerage concerns, mortgage companies, trade associations and other entities on general corporate matters, including the offering and operation of their products and services, particularly in the context of regulation of these institutions and their activities. Ms. Barr has extensive experience in credit and mortgage lending matters, credit and debit card operations, fair lending and equal credit opportunity issues, credit and deposit services, electronic banking, mobile financial services, privacy and data security, and insurance products.

LaShawn James is the Director of Dining Experience for Buzztime, a bar and restaurant social entertainment and services platform. James, who holds an MBA from Stanford, has spent over 15 years in product management and marketing.�

Adam J. Levitin is a Professor of Law at Georgetown University, where he teaches financial regulation among other subjects. The views expressed here are his own.

John McDonnell is CEO of Bitnet, provider of a digital commerce platform enabling enterprise-scale merchants to accept bitcoin payments.