Banco Popular de Puerto Rico

Brett Beranek is director of product strategy at Nuance.

William B. Butterfield holds the position of Senior Manager Recovery and Operations Strategy, U.S for TD Auto Finance and is based in Jacksonville, FL. Mr. Butterfield is responsible for all recovery operations including, repossession operations, redemptions, skip recovery, bankruptcy, collection agency management and outsourcing, collections litigation and debt sale. Mr. Butterfield has been with TD Auto Finance since 1990. Mr. Butterfield has over twenty years of progressive and comprehensive experience in the consumer finance industry including auditing, sales & marketing, retail acquisitions, collections, collections strategy, skip recoveries, bankruptcy, and repossessions, outsourcing and vendor management. Mr. Butterfield holds a BS from Michigan State University.

Zachary Hoard is a�Senior Attorney in the Commercial Litigation Practice Group in the Dallas, Texas office of Dykema Gossett PLLC.� His practice focuses on Commercial Litigation and IP Litigation, including breach of contract, breach of fiduciary duty, fraud and misrepresentation, and tortious interference, as well as trademark, copyright, and trade secret misappropriation.�Hoard has successfully represented clients, both as plaintiff and defendant, in numerous cases before state and federal tribunals.�

Barry Wong is vice president and Asia Pacific Regional Lead, Customer Security & Risk Services, MasterCard. He is responsible for the development of technology and solutions ot help MasterCard's member financial institutions manage fraud risk.

Bengt Horsma a Senior Business Director for Digital Solutions for Developed Markets at Visa Inc.� In this role, Horsma leads the financial institutions engagement in Visa Token Service, a solution supporting ApplePay, Android HCE and other mobile concepts.�� Previously at Visa, Horsma lead Visa�s Mobile Provisioning Services and was responsible for developing and implementing the �go-to-market� plan for Visa�s trusted service management (TSM) solution.�Before Visa, Bengt Horsma worked for First Data, where he served as VP of Mobile and NFC Solutions for three years. Before First Data, Horsma spent eight years at MasterCard, serving as a VP/Senior Business Leader, focusing on product and business development. In this role, he co-created, implemented and led the commercial launch of Mastercard�s contactless payment solution (PayPass).Prior to that role, Horsma held a number of positions in the payments and banking industry in the U.S. and Europe, including payments acquiring, eCommerce and the early stages of mCommerce.

Render Dahiya is CEO of Arroweye Solutions. Arroweye offers an on-demand traditional and EMV smart card production and personalization platform. He also worked for FedEx Kinko's as senior vice president of US Operations and was responsible for 16,000 team members at 1200 locations.

Richard Goldman is the leading and longest tenured expert in the process of collecting direct marketing communications and materials. His industry leading company, Competiscan, currently serves the competitive intelligence and product development needs of marketers. Rich and his team have presented Competiscan’s findings at various industry functions including AHIP, American Fraternal Alliance, BIG, DALBAR, HPA, Life Affiliates, LIMRA, LOMA, LISSSG, Loyalty 360, NACII, IMCA, SIR, and SourceMedia’s Card Forum. With complete access to all of the direct marketing activity (including Direct Mail, Email, Mobile, Online Display, Print Ads, and Social Media) targeting Consumers, Business Owners, Insurance Agents, and Financial Advisors, Rich Goldman and Competiscan have redefined the ability of Insurance, Financial Services, and Third Party Marketing companies to track their competitors while gauging an understanding of the impact of their own materials and communications in the marketplaces they serve.