Banco Popular de Puerto Rico

Tim Smith holds the position of Administrative Vice President in Customer Asset Management for M&T Bank and is based in Buffalo, NY. Mr. Smith is responsible for Early Stage Collections, Late Stage Collections, Internal Recovery, External Recovery, Agency Management, Outsourcing and Debt Sales.� Tim has been with M&T Bank since 2014.Tim is an experienced Executive in the Account Receivable Management (ARM) and BPO Industries with over 17 years of broad base of experience crossing Collections Strategy, Recoveries, Marketing and Business Development, Client Management, and Outsourcing.� Tim has held executive and management positions with the following organizations:� Primary Financial Services, LLC; Firstsource Solutions, LTD; ABC-Amega;� Dun & Bradstreet Corporation; and Empire of America Realty Credit Corporation.Tim holds a BS from State University of New York College at Buffalo and Executive Certificate in Process Re-Engineering from Michigan State University.

David Wilford is General Counsel and Chief Compliance Officer for Wave Crest. He has also worked as counsel for FIS and a number of financial institutions.

Julie Lowe is the user experience lead at Mutual Mobile, a technology company that builds mobile commerce products.

Mark Waring is a veteran of 30 plus years in the payments business.�Currently he is the financial services sales expert at Apigee (www.apigee.com), based in San Jose, California. Previously, he used his global payments experience to create new products and customer experiences at First Data and PayPal.� He has been active in creating and tracking the various digital and mobile innovations in the payments ecosystem.

Kimberly L. Kacal, managing director for Accenture Payment Services has 18 years of experience working with banks in payments�operations, check processing, treasury management and commercial lending.

Cameron Camp is a security researcher at ESET, a security software company.� He writes and presents on IT networking and data systems, covering businesses processes and internet security.

Torsten George is Chief Security Strategist for risk management software vendor Agiliance.�He works with companies and government agencies to use real-time risk analysis to improve business performance. He also works on branding, public relations, social media, demand generation and other marketing strategies.

Kristian Gjerding is CEO of CellPoint Mobile.

Annette Zimmerman, President and CEO of PrimeWay Federal Credit Union has more than 30 years of experience in the financial sector.� She currently chairs two CUSO boards CU Alliance, LLC and Member Home Loan. She serves on the Board of Directors for the start-up CUSO CU Wallet and serves on core technology provider Corelation�s Advisory Board. Prior to joining PrimeWay Zimmerman drove technology efforts for a $2 billion credit union as SVP/CIO. She has also served as SVP Branch Administration and Government Affairs overseeing an extensive multi-state branch network. As SVP of Business Services and Women�s Financial Services, Zimmerman founded a successful �Women in Business� network in Salt Lake City, Utah supporting women leaders in building relationships. Though Zimmerman has served in a variety of roles throughout her career she brings her passion for developing and mentoring future leaders in the financial industry to each new position.

Martin Ferenczi is President of North America for Oberthur Technologies, a credit card technology company. He is based in Washington, D.C.