Banco Popular de Puerto Rico

René Lacerte is the CEO and founder of Bill.com. Prior to launching Bill.com in 2006, he co-founded online payroll service provider PayCycle in 1999, which was acquired by Intuit in 2009. Lacerte also spent five years at Intuit, creating and managing the company's bill presentment team and growing its bill payment and credit card offerings into multi-million dollar businesses for the company. He also launched Intuit's first connected payroll product, growing the team from two employees to 300 in 18 months.

Bob Cohen is vice president of North America for Basware. He joined the company in 2005, and has also held market development and management roles at American Express, Cendant, Information Builders and Computer Associates.

Cynthia Barlow, facilitator, author, coach, and founder of C3 Conversations Inc, develops emotionally intelligent leaders who walk their talk.A specialist in emotionally intelligent communication, Cynthia has conducted workshops, programs and retreats for a wide variety of corporate clients including Bank of America, TD Bank, Bell Canada, Amex Canada and various ministries of the Ontario government for over twenty years.A popular and experienced speaker, she has inspired thousands of people to look a little deeper and reach a little higher with her humorous, sassy style.Cynthia is passionate about words, water, puppies, and chocolate, which she is certain is a valid food group.And she has hosted one popular internet talk show, raised two sons, and written three books. She�s hoping for four grandchildren, just to keep the numbers straight.�

Jason Tinurelli, a Senior Vice President, Retail Payment Solution with US Bank, has 20+ years in banking and 15+ years in online acquisition and banking.� In his current role, Jason is responsible for the digital marketing and management strategy of U.S. Bank’s credit, debit and prepaid cards which includes Mobile Payments.

Doug is the CEO and Co-Founder of SimplyTapp and has been deeply involved with payment networks from the advent of Host Card Emulation (HCE) helping bring about the technological foundation needed to propel mobile payments to widespread adoption across the globe. A technical thought leader with a deep understanding of Near Field Communication (NFC) and Android, Doug’s vision is to help card issuers expand their business and improve their customer experience on mobile devices.?Prior to SimplyTapp, Doug was founder and president of TradeWind Technologies which developed cutting edge RFID readers. Earlier in his career Doug’s roles spanned software application engineering while working on MATRIXx modeling at WindRiver and the founding of Yeager Automation.Doug served as a project engineer with Sandia National Labs in Livermore after completing his B.S. in Mechanical Engineering from Clemson University and M.S. in Mechanical Engineering from the University of Florida. He has been awarded several patents in the areas of transaction authorization for mobile payments and is often sought out by the media for his industry insights. Doug and his family live in Austin, Texas and he enjoys running and training for triathlons.

Merrill Halpern oversees Credit Card and Debit Card products at the United Nations Federal Credit Union, a financial cooperative which serves the active and retired staff of the United Nations and UN Specialized Agencies and their families in more than 200 countries and territories, as well as the United Nations Association of the United States of America (UNA-USA) which advocates for the United Nations.� In 2010, under his leadership, UNFCU became the first issuer in the United States to offer credit cards with high security Europay-MasterCard-VISA� (EMV) Chip and personal identification number (PIN) capabilities.� Such an innovation -- driven in response to fulfill members� needs -- attracted widespread industry and media attention.Mr. Halpern has more than 25 years� experience in the global payments industry.�Prior to joining UNFCU in 2005, he worked in the product development and operational areas of Citibank, N.A., NYCE Payments Network, LLC, and MasterCard International, all in New York.� A native New Yorker, he is a frequent contributor to international panel discussions and news sources within the payments landscape, including the Smart Card Alliance, AITE Group, VISA International, EMVCo, FOX Business News and the Wall Street Journal.

Brian Backer is Director of Caf� Systems Architecture focusing on payments at Panera Bread. Currently, he leads the Panera solution architecture for new payment technologies.�� Last fall, he led Panera�s adoption of Apple Pay into the Cafe systems Point of Sale ecosystem and also the Panera IOS App integration. Prior to joining Panera, Mr. Backer worked for MasterCard for 17 years in solution delivery roles for Dispute Processing, Loyalty systems, and Card Holder services. Mr. Backer also led the instantiation of the MasterCard Shared Services (SOA) processes as part of the Enterprise Architecture team. His last MasterCard assignment was the architecture solution for Apple Pay integration with MasterCard services.Mr. Backer has been associated with Junior Achievement for over 8 years. He enjoys organizing company participation for �JA�in-a-Day� events teaching students about entrepreneurship, financial literacy and overall work readiness.

Barry Mosteller is the director of research and development at CPI Card Group. Barry works closely with the operations and sales teams to develop new and innovative product solutions for customers. With 20 years of experience in card manufacturing, smart cards, research and development, project management and marketing, Mosteller has led the development of many significant innovations in card technologies and materials and authored or co-authored five card related patents. Prior to joining CPI in 2011, Mosteller was a director of technical marketing.Mosteller is ACE accredited by ICMA (International Card Manufacturers Association) and is the current Chairperson of the ICMA�s Greening of the Factory Committee. He is also CISCP certified by the Smart Card Alliance.

David is the General Counsel and Chief Compliance Officer at Wave Crest Group Limited overseeing the legal and compliance aspects of Wave Crest's business. David came to Wave Crest from Fidelity National Information Systems (NYSE: FIS), the world's top-ranked technology provider to the banking industry, where he was division counsel for FIS' prepaid and e-payments business. Prior to FIS, David was in private practice at an international law firm. David is a former Board member of the Network Branded Prepaid Card Association.

Kirsty Tull is marketing manager at BillPro, an international online payments provider specializing in secure online payment solutions for high and low-risk merchants. For more information, visit www.billpro.com or follow on twitter at @billpropayments.