Banco Popular de Puerto Rico

Jay Bhattacharya is CEO and co-founder of Zipmark. He was also co-founder of Capture, an advisor to Givkwik and co-founder and senior vice rpesident of Moible Money Ventures, which was later acquired by Intuit.

Stephen W.�Orfei is general manager of the PCI Security Standards Council. He helps lead the development of global standards, solutions for payment stakeholders.

Kim Phan provides guidance to clients on regulatory compliance matters, including interactions�with the Consumer Financial Protection Bureau. Ms. Phan's experience includes responding to�CFPB supervisory and enforcement activity, preparing non-bank companies to participate in the�CFPB consumer complaint system, and submitting public comments on proposed rules. She also�supports financial services companies in their interactions with the Federal Trade Commission,�including responding to investigations and assisting in complying with FTC guidance.Ms. Phan's practice also focuses on privacy and data security law in areas including the Fair Credit�Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Gramm-Leach-Bliley�Act, the Telephone Consumer Protection Act (TCPA), and other privacy statutes. Her work in this�area encompasses strategic planning and guidance for companies to incorporate privacy�considerations throughout product development, marketing, and implementation. Ms. Phan also�assists companies with data breach prevention and response, including establishing data security�programs prior to a breach and the assessment of breach notification obligations following a�breach.While in law school, Ms. Phan served as a law clerk to Nextel Communications, Inc., and to the�FTC's Office of Policy Planning. She has also interned in the Office of Congressman Virgil Goode,�the National Republican Senatorial Committee, and the National Republican Committee Press�Office.

Richard Crone leads Crone Consulting LLC, helping financial institutions, billers, merchants, payment networks, processors, start-ups and investors transform payments from a cost of business to revenue-producing new lines of business.

Glenn Meadows joined Regions in 2008 and leads the Consumer Collections and Asset Recovery department for Regions Financial Corporation in Birmingham, Alabama. Regions is a top U.S. bank-holding company headquartered in Birmingham, Alabama, with $119 billion in assets, operating over 1,700 banking offices in 16 states.In Glenn�s current role, he is responsible for reducing delinquency and losses on all consumer products and early stage collections within the business banking portfolio. Additional responsibilities include managing the Loss Mitigation, Bankruptcy, Foreclosure, Credit Card and Collections Support departments.Glenn has over 30 years of collections and recovery experience and has worked for several of the nation�s top 20 banks during his career.� Prior to joining Regions, he has held leadership positions with Fifth Third Bank, JPMorgan and The Huntington Mortgage Company in Ohio.��Glenn works in the community by organizing Foreclosure Avoidance workshops and he is currently serving on the advisory board of Assistance League Birmingham. He has also been recognized for his support of Junior Achievement, United Way and Big Brothers Big Sisters of Central Ohio.Glenn is currently a member of the Default Management Committee for the Consumer Bankers Association.�

Sebastien Taveau is chief developer evangelist for MasterCard Open API. He has more than 20 years experience working on point of sale, mobile payment, identity and customer-facing technology.

John Gessau is director of mobile product management for ACI Worldwide. He has also held positions at S1, Postillion and Mosaic Software.

Alane A. Becket is an AV� rated attorney and Managing Partner of Becket & Lee LLP, a Malvern, Pa. law firm providing comprehensive nationwide representation of creditors in bankruptcy matters.� In addition to client and industry relations, Alane focuses on litigation strategy, and Becket & Lee has been lead or co-counsel in some of the most influential decisions in consumer bankruptcy over the last 10 years.�Recently, Alane co-authored the revised edition of the American Bankruptcy Institute�s treatise Consumer Bankruptcy:� Fundamentals of Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code (Third Edition).��

Michelle is a relationship builder with over 20 years in staffing and recruiting.� She has made successful placements across a multitude of industries and professional levels matching high-caliber candidates with companies across the U.S.�� As a results driven leader, she has effectively implemented initiatives and processes that transform cultures to create customer-focused accountability and optimal service.� She is presently the Director of Recruiting for TSI managing the strategy and full-cycle recruiting process.