Banco Popular de Puerto Rico

James Huber is a partner at Global Legal Resources LLP. GLR has advised electronic payment companies and their affiliates on every aspect of their business. GLR defends regulatory investigations, civil enforcement actions, and class-actions. GLR�s attorneys are experts at instituting regulatory compliance procedures to avoid liability.�

Matt serves as the head of Kobie Marketing�s Customer Experience & Agency Services capabilities. With over 15 years of marketing experience in senior leadership roles, he drives industry-leading loyalty engagement and marketing solutions that span the online, mobile, social, print and broadcast media channels as well as the full customer journey from digital channels to physical locations. Prior to joining Kobie Marketing, Matt held leadership positions at WPP agencies and Catalina Marketing.�He currently�leads a global team of 20+ creatives and marketers with expertise in strategy, design, development, user experience, print production,�campaign management,�project management and quality assurance.�

Tiffany Cheairs has 25+ years of experience in Financial Services, primarily Consumer Credit.�� Tiffany currently holds the position of Director of Sale Operations with Alliance Data.� She is an accomplished executive with a successful track record of new business development across a variety of market segments.� Tiffany has a proven track record of building and developing strong, successful relationships within the payments industry.�� Tiffany resides in Richardson, Texas; she enjoys volunteering in her church and her daughter�s school and spending time with family and friends.�

Frank Conti has over 20+ years in the financial services industry. Frank joined Key Bank in 2013 as a SVP for credit card in charge of new account acquisitions across the channels. Frank began his career at General Motors Acceptance Corporation and later moved to PNC Bank. There he spent 14 years in various Consumer and Small Business product management roles, with the last 7 years at PNC as head of credit card portfolio management. Frank earned his undergraduate degree from The Ohio State University and has received specialized training in credit risk management, credit card compliance and portfolio management.

Andrew E. Ziesmer is General Manager of the Best Buy relationship for Citi Retail Services, a leading provider of private label and co-branded consumer and commercial credit card products across the United States. Retail Services also provides retail industry expertise, including transaction data analytics, and fully integrated marketing and loyalty programs. The business services millions of accounts for many iconic brands, including Best Buy, ExxonMobil, Macy's, Sears, Shell, and The Home Depot, among others.Since February 2013, Mr. Ziesmer has led integration of this important new portfolioand partner into the Retail Services business. He was instrumental in its conversion and on-boarding, which was completed in record time. Ongoing, he is responsible for financial success, operational excellence, strong risk management, partner relationship, and ensuring proper team culture for the Best Buy card program.From 2009 to 2013, Mr. Ziesmer led our more than $15 billion private label and co-brand credit relationship with Sears Holdings Corporation. Sears is the fourth largest broad line retailer in North America, and the portfolio includes credit products and services for its subsidiary, Kmart. Working through the depth of the financial crisis, he and his team maintained and subsequently strengthened that relationship with improved merchant integration, introduced lifecycle marketing and invigorated store associate engagement. Under Mr. Ziesmer�s leadership, Citi received a �Partner in Progress� award from Sears in recognition of the team�s commitment to excellence.Mr. Ziesmer joined Citi in 2002 as The Home Depot portfolio�s first Field Services Manager. In that role, he recruited and trained six directors and 68 relationship managers for the start-up, and subsequently went on to lead his own team of 10, serving more than 260 stores in 12 states. Mr. Ziesmer partnered with The Home Depot management to drive a culture of card usage and credit-based selling to improve in-store results. During Mr. Ziesmer�s four years in this expanding role, he routinely exceeded business goals for sales, new accounts and service. His outstanding performance was rewarded with a promotion to Chief of Staff for the Citi/Sears portfolio in early 2007, and he was named Chief Marketing Officer shortly afterward. Mr. Ziesmer also served as Site President for Citi�s Elk Grove Village, IL location for two years.� ���Prior to joining Citi, Mr. Ziesmer was with Conseco Finance from 1996�2002. Even earlier in his career, he led marketing and account management, managed P&L and multimillion-dollar budgets, oversaw the entire Menards private label credit card relationship, worked at GE Capital supporting the Montgomery Ward portfolio, and more. Mr. Ziesmer has received honors from every employer during his career.

Robb Gaynor is chief product officer of Malauzai Software, Inc. He has more than 23 years of experience in financial services, including stints at Union Bank of California, Digital Insight/Intuit, Swiss Bank Corp., Charles Schwab and Wells Fargo.

Tiago Soromenho is vice president�of Ventures Lab and Founder of Mozido StickyStreet at Mozido. Mozido provide mobile cloud-based financial services, while StickStreet's loyalty platform provides strategic capabilities to incentivize consumers to adopt mobile financial transactions.

Ken Meiser is chief compliance officer at ID Analytics and at Sagestream, leaders in credit and fraud risk solutions.

George White is the London-based president of EMEAR (Europe, Middle East, Africa and Russia) for Profit Insight, a global banking revenue optimization consultant firm with offices on six continents and 40 years of experience.

David Bozin is vice president of growth development at Bindo. His background includes work with startups in business-to-business and in education technology.