Banco Popular de Puerto Rico

Seth Ruden is a Senior Fraud Consultant at ACI Worldwide. He has more than 9 years of experience, with a specialization in card fraud, online banking fraud, sanctions filtering, anti-money laundering monitoring, audit, process review, access management, information security and enterprise risk management.

Michael Battagliese is Senior Vice President within the Everyday Banking Organization at RBS Citizens Financial Group. He is responsible for all Debit, Prepaid, and Digital/Mobile Payments offered to RBSCFG�s Citizens Bank and Charter One Customers.Michael has over 15 years of senior leadership experience in financial services. His experience includes positions in product management, operations, project management & delivery, reporting & analytics, and control.Prior to joining RBS Citizens Financial Group, Michael spent 3 years at TD Bank within the Retail Money-In Organization. While at TD Bank, he held positions in Product Implementation, Reporting & Analytics, and Operational Risk. Michael had direct responsibility for the annual loss plan for TD Bank�s Debit, Gift, and Prepaid portfolios.� As a Senior Manager in Marketing Operations at Barclaycard US, he was responsible for implementing all new and existing customer initiatives as well as direct oversight of the largest strategic vendor relationships at the bank.� Michael managed the Credit Card implementation and adherence to the Credit Card Act within Barclaycard US. Michael spent the first 10 years of his financial services career at MBNA America. While at MBNA America, he led all projects, web-based intranet systems, and production support for the US Card Operations organization.� After the Bank of America purchase of MBNA America, Michael was the lead member on the conversion team responsible for making strategic systems and process decisions for the new Credit Card organization.Michael holds a Bachelors of Science in Business Administration and a Masters of Business Administration from the University of Delaware.��

Gil Mermelstein is a managing director of West Monroe Partners and a member of the Executive Committee. He's responsible for developing and expanding the company's presence in New York and the U.S. East Coast, as well as advancing the company's alliance with BearingPoint Europe.

Kyle MacDonald is the visionary and dynamic founder of Phoenix Interactive Design Inc. headquartered in London, Ontario, Canada, with offices in Sydney, Australia, Charlotte, North Carolina, Mississauga, Ontario and Dunfermline, Scotland. Kyle enjoys international recognition and respect from the Financial Services industry for her bold initiatives in the increasingly complex world of self-service banking.� Kyle�s drive and focus on revolutionizing the self-service industry has allowed banks around the world to provide better service to their customers.� From Phoenix�s initial focus on improving the customer experience at self-serve devices through developing brand enhancing user interfaces, to introducing VISTAatm, the world�s first multi-vendor ATM software solution, to the company�s current push on delivering branch solutions that enable Phoenix�s clients to realize their onmi-channel visions.� Undoubtedly, Kyle is well-known and respected in the banking industry as she has staked her claim as a market leader and driving force in banking technology.She is the driving force behind a team of talented professionals who routinely "raise the bar" in retail banking with world-class software solutions and a "can do" attitude that delights banks around the world.� Phoenix supplies software solutions to Banks in many countries; Canada, the US, Australia, New Zealand, the UK and Europe.Kyle is a graduate of the IVEY School of Business at the University of Western Ontario.� In 1987, she started Phoenix and entered a high-stakes competition in the fast moving world of technology and software.� She initiated the successful transformation of her company from a custom software developer to a sophisticated product-oriented company in the late 1990�s and in the last 12 years, has created a dramatic �sea change�� in an industry that had been dominated globally by only 3 major players for the past 25 + years.� The self-service industry will be forever changed by Phoenix�s technological leadership and commitment to setting a bold, new standard for self service/ATM software.Kyle has earned the respect and admiration of her team, her peers and her competitors as a true industry visionary.� Kyle was awarded the prestigious RBC Canadian Woman Entrepreneur of the Year Award as recognition of her vision and her ability to execute globally.� In addition, Phoenix has won numerous awards, including:Deloitte Fast 50 (Canada) and Deloitte Fast 500 (North America) 2 years in a rowOntario Global Traders Award 2 years in a rowLondon Chamber of Commerce Business Achievement Award (large company)Ontario Chamber of Commerce Award for Most Innovative CompanyThese awards are a testament to Kyle and to Phoenix's success.� She certainly knows what it takes to be a successful entrepreneur and �company builder!�

Ted Fifelski is the President and Co-Founder of SimplyTapp, Inc., a mobile transaction technology company. Prior to founding SimplyTapp, Inc.,he served as a business and technology analyst at Arthur Financial Services where he specialized intellectual property and technology analysis for Fortune 1000 companies with global operations.

Liron Damri is the COO of Isreal-based antifraud service Forter, a Tel Aviv, Israel-based company that uses a mix of proxy detectors, social data, geolocation and other technology to spot fraud in electronic commerce systems.

Marc advises clients on a wide range of regulatory and compliance issues, including those related to information security and privacy, business continuity and disaster recovery, anti-money laundering and payment processing. He also has deep knowledge of government relations and bank receivership. Since joining Promontory in October, 2011, Marc has reviewed and provided input on privacy and information security assessments for a major international and U.S. based financial institutions and has proposed a comprehensive anti-money laundering and anti-fraud program for a major international financial institution. He has also provided input to the Federal Trade Commission, U.S. Senate Banking Committee staff and the U.S.Department of Commerce�s National Telecommunications and Information Administration on privacy related matters related to mobile devices and mobile applications.

Greg Rosenberg is a Certified Information Systems Auditor and Qualified Security Assessor with fourteen years of information technology experience with seven of those years focused on information and network security. Greg is currently a Security Engineer for Trustwave where he works with acquirers, processors, ISOs and other parties on security and compliance programs for their merchants.Before assuming his current role, Greg was a Security Engineer building and administering security devices.� He has extensive experience in network design and support with a keen focus on small and medium sized businesses.Greg has been published and interviewed in a variety of trade and mainstream publications including CNNMoney.com, Network World, Transaction Trends and SC Magazine.� He frequently participates in public educational forums that explain compliance, risk and security issues in a non-technical way.In his spare time, he enjoys braving the frozen tundra of Minnesota with his wife and young son, cheering on the Wisconsin Badgers and exploring all things food related.

Brian Bailey is managing director of North America for Cardtronics.