Banco Popular de Puerto Rico

Jeff Thorness is CEO of Forte, �a technology company that provides electronic payment solutions for banks, financial institutions and merchants.

Eric Leiserson is a senior research analyst at Fiserv, where he is responsible for the development of consumer-related electronic billing and payments research, adoption strategies and marketing programs. He has conducted numerous primary research projects and Webinars in green marketing, consumer segmentation, longitudinal surveys, Web usability and focus groups. Prior to joining Fiserv, Leiserson held marketing and sales positions and Unisys Corp. and Intuit.

Signe-Mary McKernan is a national wealth-building and poverty expert with nearly two decades of experience researching access to assets and credit and the impact of safety net programs. She co-directs the Urban Institute�s Opportunity and Ownership Initiative and published the book Asset Building and Low-Income Families with Michael Sherraden. She advised the Consumer Financial Protection Bureau in setting up a first-rate research unit. Before joining the Urban Institute in 1999, she was lead economist on credit issues at the Federal Trade Commission. She has been a visiting and adjunct professor at Georgetown University. Her research has been published in books, policy briefs, reports, and refereed journals. She has testified before Congress and been cited in media outlets such as the New York Times, Washington Post, Forbes, and Time Magazine. She has a Ph.D. in Economics from Brown University.

Andrew serves as the COO and Founder of Final. Final is a new credit card that drastically reduces payment fraud and gives consumers total control over their merchant relationships. At Final, he builds banking and technology partnerships and works to deliver Final�s unique financial products to market. Like the rest of the Final team, he believes in building a credit card that works for him and eliminates frustration and headache. Andrew received his BA from Harvard University and MBA and MEM from Duke University.

Bret brings over 12 years of experience in Loyalty and Rewards Programs, having worked with a variety of providers across the Financial Services, Retail, and Entertainment Industries.He currently serves as the Director of Business Expansion for TSYS Loyalty North America, responsible for growth and expansion of TSYS Loyalty Solutions with key financial institution and retail clients.� Prior to joining TSYS in 2011, Bret had direct responsibility for sales and operations of one of the country�s largest points-based coalition loyalty programs with over 300 participating merchant partners serving the grocery, fuel, dining, and entertainment sectors.�Bret currently resides in Atlanta, Georgia with his wife and three children and enjoys golf, music, and a variety of outdoor activities.

Brad is the Global Product Head for Citi�s corporate and public sector Prepaid Cards business. Brad was an early member of the product management team at Ecount, a pioneering prepaid cards and electronic payments company that was acquired by Citi in 2007. Brad has held senior product roles in the US, EMEA, and LATAM, and has lead the innovation around new payment flows that have fueled Citi Prepaid�s tremendous growth since the acquisition. A competitive triathlete, Brad recently qualified to represent Team USA at the 2015 Triathlon Age Group World Championships. Brad has a BA in Spanish Literature from Kenyon College in Ohio.

As Vice President of Global Consumer Products at PayPal, Carey Kolaja is responsible for designing product solutions and driving the go-to-market activities for PayPal�s digital wallet, payments, business products and strategic ecosystem partnerships. Carey leads an international team of more than 150 professionals in delivering products and solutions that effectively serve the local needs and interests of customers in each of the 203 markets that PayPal serves. She is also a keynote speaker at many outside conferences including SXSW, TED talks, Quartz Next Billion, and Card Forum. Carey serves on the Board for OLO.com and previously Nearbuy Systems.Carey has more than 20 years of diverse experience in financial services and technology consulting at companies such as UBS Warburg, Waterstone Consulting, Windomar Financial and Divine InterVentures. Carey is regularly featured on FOX Business and CNBC, and she is often quoted in leading publications like The New York Times, The Wall Street Journal, TechCrunch, Mashable, Fast Company, and more.In 2015, Carey was named �Most Influential Women in Payments� by PaymentSource. She also won PYMNTS�� �Woman in Payments to Watch� Innovator award that honors those who have shaped the payments industry.Carey earned a B.S. from the University of Indiana and is a graduate from the Executive Program at Stanford University.

Sirpa Nordlund is Executive Director of the Mobey Forum. Nordlund previously serviced in executive positions at Nokia and also worked for Venyon, which provided NFC services as a subsidiary of Giesecke & Devrient.