Banco Popular de Puerto Rico

Paul Underwood is managing director of Thames Card Technology. He has worked in finance in London and has worked in card technology for about 20 years.

David Worthington is vice president of payments at Rambus.

Gary Miliefsky is the CEO of SnoopWall and inventor of the company�s new Counterveillance technology. He also founded NetClarity, Inc., an internal intrusion defense company, based on a patented technology he invented. He is a member of ISC2.org, CISSP and Advisory Board of the Center for the Study of Counter-Terrorism and Cyber Crime at Norwich University.

As Senior Vice President for Customer Segment Growth and Engagement within U.S. Cards Marketing team, Nick Gambale leads the Marketing and Communications for the EMV Chip migration across Citi Branded Credit Cards.� Through innovative marketing across multiple customer touch points, Mr. Gambale has helped Citi reach a leadership position in the US with the majority of the Citi Branded portfolio being chip enabled by end of 2014.� Additionally, Mr. Gambale is responsible for existing customer initiatives, including digital engagement, for Multiple Relationship Customers.� Nick is also the Recognition Chairperson for Citi�s Long Island City Campus.Mr. Gambale has a deep expertise in customer relationship strategy and credit card marketing with the delivery of customer driven programs across Credit Cards and Retail Bank.� Under Mr. Gambale�s leadership, these programs deepened customer engagement and affinity and led to higher sales, net promoter scores, and profitability.Mr. Gambale has 15 years of experience in Financial Services with past roles at JP Morgan Chase and Auriemma Consulting Group. He has held positions in various capacities, including channel management, product management, competitive benchmarking, and more.� Mr. Gambale holds a BBA in International Marketing from Pace University in NYC.Nick resides in Central New Jersey with his wife and two daughters.� In his spare time, he enjoys roller blading, cooking and spending time with his family.��

As CEO of Inlet, LLC, Chuck Cordray is responsible for leading and growing the company�s innovative product offerings to drive paperless adoption by businesses and consumers.� The Inlet technology platform allows companies to distribute secure, targeted customer documents such as bills or statements on any channel or device, resulting in increased digital adoption and engagement, greater company loyalty, lower servicing and delivery costs, and more insights into consumer behavior and trends.Previously, Chuck was President of Digital Mailing Solutions at Pitney Bowes where he spearheaded the strategy and business model development behind Inlet.� He joined Pitney Bowes in 2011 from the Hearst Corporation, where he served as Senior Vice President and General Manager of Hearst Magazines Digital Media.� In this role, he was responsible for the strategic direction and operating management for Hearst�s digital activities, including advertising, editorial, online consumer marketing and partnerships.Chuck previously held executive leadership roles for several large consumer media companies, including TV Guide Publishing Group, Primedia, Inc., and Meredith Corporation.Chuck received his bachelor�s degree from Harvard and an MBA from Stanford University and currently resides in Kansas.

Todd Latham is vice president of marketing at currency cloud. Prior to joining Currency Cloud, he led European Customer Marketing for American Express�s Corporate Payments division, where he was responsible for driving expansion opportunities, developing product line strategies and leading key partnerships. He also held a series of marketing and strategy roles at Microsoft.

David Curcio is a Director and Senior Counsel at Discover Financial Services. He oversees a group of lawyers responsible for advising the credit card business on collections, risk and operations. He joined Discover in August of 2014. Prior to that, he was in private practice with Jackson Walker LLP and represented financial services firms in consumer litigation, primarily in Texas.