Banco Popular de Puerto Rico

John McGuinness is a partner with the litigation division in the Los Angeles office of Manatt Phelps & Phillips . He focuses on consumer class and individual actions, including mortgage/financial services and data security/privacy, complex commercial litigation, and government enforcement actions.�

Aidan Corcoran is responsible for Acquirer Systems'�product strategy, ensuring it is aligned to the needs of the payment industry, and has more than 20 years industry experience. He is a leading authority on EMV and participated in the development group for the APACS protocol.

Andrew Gates is the Director of Strategic Partnerships for RewardsNOW and has over 10 years experience in the loyalty industry. Currently Andrew directs the strategic growth initiatives for both the local and national merchant funded programs at RewardsNOW. Before joining RewardsNOW, Andrew was the Managing Director for Affinity Rewards and worked closely with several major loyalty program providers to help devise their strategy to penetrate the affinity market. Andrew speaks at conferences nationwide on a variety of loyalty topics and trends. He lives in Boston with his wife, Erin, and his two dogs.

Margaret is a principal in EY’s Banking practice and the Americas lead for Payments. As a former senior executive with First Data and Bank of America, she offers clients a distinct combination of payments consulting experience and industry leadership. Her 20 years of global experience has included payment industry experiences in North America, Europe, Africa, Latin America and Asia. Margaret brings unparalleled experience in all areas of payments, with direct experience with issuers, acquirers, processors, merchants, networks, corporate payment players, alternative payment providers and POS vendors and software providers.� Margaret has a unique combination of business, process and technology perspectives on the payments business and the related economics of the payments ecosystemAn entrepreneur who started her own merchant payment processing company and sold it to First Data, Margaret has proven experience leading transformational payments initiatives, leveraging technology, process and strategy resources. Throughout her career, her entrepreneurial activities have resulted in 13 US patents, all in payments.Relevant experience►As Senior Vice President and Global Head of Product Marketing, Margaret led global product marketing for First Data’s largest line of business, focused on merchant payments with $3.5 billion in annual revenue.►Past areas of responsibility have included responsibility for payment products, merchant integration, merchant sales support and sales channel management►Payments consulting experience includes years of client advisory experience in payments for a wide range of clients, including banks, payment networks, processors, merchants, corporates and alternative payment companies.►Over 15 years of experience working with retailers and other merchants on payments point of sale innovation, and has led a range of POS transformation� initiatives related to IP at the POS, innovative POS software, new terminal deployment, tokenization and encryption and other POS risk solutions.►Has held the following positions:►SVP, Business Planning and Analytics for e-commerce/ATM/mobile at Bank of America.►SVP, Strategy, Innovation & Payments at Bank of America.►Vice President, Internet Services Group at First Data Corporation.�

Patricia F. Kemp, Venture Partner,�joined Oak in 2002. She currently focuses on investments in the financial services technology industry.Patricia currently serves on the Boards of Bonds.com and Kuaipay. Patricia works closely with several of Oak�s portfolio companies including Acculynk, Bonds.com and Vesta. Some of Patricia�s past portfolio activity includes Argus Information & Advisory Services (acquired by Verisk Analytics), Harbor Payments (acquired by American Express), Point Carbon (acquired by Thomson Reuters), and TxVia (acquired by Google).Patricia�s history includes over 11 years of senior management experience at Cendant (formerly CUC International). At various times she was responsible for the marketing, operations, or general management of a variety of direct marketing credit card affinity programs, the Entertainment Publications subsidiary, and the Welcome Wagon and Getting to Know You subsidiaries. Tricia earned a BA and MBA from Stanford University.

Carol Van Cleef is co-chair in the Washington office of Manatt, Phelps & Phillips. She represents financial services companies and other clients in federal and state regulatory, compliance and enforcement matters.