Banco Popular de Puerto Rico

Daniel Chatelain is the founder and Managing Director of the Bay Pay Forum which has�more than�9,000 individual members from 3,000 companies around the world. The Forum currently has local chapters in Silicon Valley, Santa Monica, Paris and London.

Mr. Williams co-founded Crown in 2004. He began his financial career in 1997 by obtaining his National Association of Securities Dealers licenses with Merrill Lynch. He later left Merrill Lynch and began working for First Union National Bank/First Union Securities in Atlanta. At First Union, he continued to expand his focus in financial services to include investment advisory, consumer, commercial lending and many other banking and investment services. For four years, Mr. Williams served as a consultant to another debt management company, where he advised on various strategic and operational issues. Since founding Crown, he has overseen the Company�s capital raising efforts for purchasing receivables. He is also responsible for establishing, managing and cultivating client and vendor relationships. Since 2002, Mr. Williams has been directly involved in the purchase and sale of more than $5.0 billion of face�value in receivables. Mr. Williams earned his BS in Finance from Florida State University.

Jaron Lukasiewicz is the CEO and Founder of Coinsetter, a New York City-based bitcoin exchange built to support professional traders, bitcoin companies and Wall Street institutions. Prior to Coinsetter, Jaron was the Co-Founder of Ticketometer, a social media-focused online ticketing platform. The majority of Jaron�s career has been spent in high finance roles. Jaron was an Associate at The CapStreet Group, a Houston-based private equity firm; an investment banker at J.P. Morgan and Madison Williams in their global investment banking groups; and began his career as an analyst at SPB Partners, a Las Vegas-based private equity firm.Jaron graduated from Rice University on the President�s Honor Roll with a Bachelor of Arts in Economics and is fluent in Spanish and Portuguese. He is a frequent speaker at events on the topic of bitcoin and financial technology and has been featured in The Wall Street Journal, The Financial Times, Bloomberg, CNBC, Fox Business, TechCrunch, Mashable, Entrepreneur, Institutional Investor, Forex Magnates and other news media.

Jessie is a former Chief Compliance Officer with over 10 years of ARM industry experience. As Director of Compliance Services for KirkpatrickPrice, she is focused on assisting clients in meeting regulatory compliance and information security objectives. She maintains the following certifications:ACA Certified Credit & Collections Compliance Officer (CCCO)ISC2 Certified Information Systems Security Professional (CISSP)DBA Certified Receivables Compliance Professional (CRCP)PCI SSC Qualified Security Assessor (QSA)�

Janet Estep is president and CEO of Nacha, the Electronic Payments Association in Herndon, Va. Estep joined Nacha in 2008, starting as president and chief operating officer before transitioning to CEO the same year. In this role, she is responsible for ensuring that the ACH network remains a safe, high-quality payments system," she says.

As founder of E&S Consulting, Lori's commitment to "Perfecting Payments" has led her and her associates to be regarded as leading experts in the payments, banking, retailing and POS industry sectors.� Lori is co-founder and co-chairman of the Prepaid Financial Crimes Task Force of the National Branded Prepaid Card Association and a member of the ETA Technology Committee.�Lori is a member of numerous industry groups including the Electronic Transaction Association, the Education & Communication Working committee of the EMV Migration Forum, and NBPCA. From 2010-11, Lori served as the Chairman of the Electronic Transactions Association's Education Committee. In 2012, Lori co-authored The Fraud-Tax Handbook, published by the National Branded Prepaid Card Association.�

Michael Archer heads the North American Consumer Financial Services practice of global management consulting firm Kurt Salmon. He also produces research into mobile payments trends.�

Michelle Lehouck is EMV Director for Bell ID. She has 15 years experience in the card technology industry, including stints at STMicroelectronics and CPI Card Group. She has also worked on EMV migrations for European banks.

Bill Nichols is president and CEO of AnywhereCommerce. Nichols previously served as AnywhereCommerce's executive vice president for international markets, where he was responsible for the company's international business development programs.