Banco Popular de Puerto Rico

Angela�s career with Bluegreen Corporation began in 2003 with sole emphasis on leading the transition and migration of the reservation center from an outsourcer to internal operations. In 2005, Angela�s role was expanded to Vice President of Customer Care for the Indianapolis and Boca Raton, Florida operations. In March, 2012, Angela was the winner of the Gold Steve Award for Customer Service Leader of the year. In August, 2012, the Club Services Team won the Gold Stevie from the 2012 International Business Awards. The Indianapolis Call Center was voted by American Resort Development Association (ARDA) as the Best Call Center in the Time- share Industry, under 200 person category, and she served as a Judge for the Call Center Excellence Awards in Las Vegas in June 2011 and again in June 2012. She was chosen as 2010 and 2011 Who�s Who in Indiana for Consumer Products and Service in Building Indiana Magazine, and the Bluegreen Indianapolis Service Center was named runner-up in the Best Contact Center Learning Development and Recognition category at the 12th Annual Call Center Week for International Quality & Productivity Center (IQPC). She chaired the committee for final judging of the Customer Service & Contact Center Individual categories in the 7th Annual Stevie Awards for Sales & Customer Service in 2013. Her Indianapolis Customer Care Center has won several awards for use of speech analytics and the implementation of those programs.

Ian Linden is VP, Head of Product Management for Enterprise Bank in Lowell, MA. He is responsible for developing and managing bank products and programs in order to create convenience and value for Enterprise Bank�s customers and competitive advantages for Enterprise Bank. The scope of his responsibility includes products and programs for both deposits and loans impacting not only consumers but also small businesses.Prior to joining the company, Ian worked at TD Bank where he served in positions as Product Manager for Business Deposits and Product Manager for Small Business Lending.He holds a BS from California State Polytechnic University, in Pomona California, and an MBA from Babson College, in Wellesley Massachusetts.

Thom is responsible for establishing Voice of the Customer programs; development of customer insights to inform customer strategies; cultivating customer loyalty, and enhancing the overall delivery of the customer experience.� He is passionate about using customer feedback to add value and build customer loyalty.� In 2013, Thom helped provided key leadership in the development and implementation of the BMO Harris Bank�s Customer Feedback and Complaint Management program and launched a transaction based feedback program to learn more about new cardholder onboarding experiences.Thom�s 20 year career in Financial Service includes a number of positions spanning from Collections, Investment Advisor, Training Design and Facilitation, and Regional Banking Sales Management. Throughout his career, he has found listening and responding to customers a key to growing long term relationships.

Asif Ramji is president and CEO of Paymetric, an electronic payments technology company. Prior to joining Paymetric, Ramji was senior vice president and general manager for the Royal Bank of Scotland Group�s RBS WorldPay Card Services and ATM divisions. WorldPay is one of the largest payment transaction processors in the world and manages the largest off-premise ATM transaction processing businesses in North America.

Bethan Cowper is head of international marketing for Compass Plus, a Nottingham, U.K.-based provider of payment and retail banking software for payment service providers and financial institutions. Cowper has also worked in marketing positions for DiVersity Marketing and Cambridge University Press.

Ben Stewart�is a founder of Social Rebate, an e-commerce marketing platform. He has a background in web development and design for large-scale e-commerce companies, beginning his career as director of development for Out Of Pocket Films at Sony Pictures.� He then became Head of Creative Media and Web Development for DDC Internet.

Pat Thelen is executive vice president of Treasury Management, Capital Markets and International Banking at UMB Bank, n.a. and a board chairperson at NACHA, the member owned association that oversees the Automated Clearing House payment system.

Randy Vanderhoof is director of the U.S. Payments Forum.