Banco Popular de Puerto Rico

As Head of Advisory and Information Services for Visa Inc., Wayne Best is the in-house chief economist and resident prognosticator for the trillion-dollar American payments industry. Combining a passion for business with an engineer's logic, Wayne has a knack for translating econometric analyses into plain English. In other words, he can explain and forecast the complex relationships between business and economic trends and the consumer's ability to spend, save, and pay down debt. Because he stays close to the underlying dynamics of the business, Wayne offers a unique perspective on both industry and global trends and is frequently quoted in the media and appears on television. He also travels the world explaining the economic forces shaping the future, consulting with client executives and presenting at conferences from London to Singapore and throughout the U.S. Before joining Visa in 1990, Wayne worked as a consultant providing cost benefit analyses to the power industry. He holds an M.B.A. in management and a B.S. in nuclear engineering and has participated in the Kellogg School of Management Executive Program and the Stanford Executive Series.

Melton Knight brings 20 years of Credit Risk experience to MasterCard Advisors. Melton has held key positions with several firms within the Financial Services industry. Prior to joining MasterCard Advisors, Melton spent 5 years heading the Risk Management department at a Private Label credit card bank, First North American National Bank (FNANB). Melton was responsible for the full credit life cycle: the development of acquisition criteria to support all channels, the creation of risk-based account management strategies, the development of MIS, short and long-term delinquency and loss forecasting, and all modeling and scorecard development efforts. Melton’s risk team was structured based on FNANB’s three (3) products: a private label credit card, a bankcard, and a co-branded bankcard. Before joining FNANB, Melton was a Consultant with CRMA, a subsidiary of Fair Isaac Corporation. Because of his diverse product and strategic systems background, Melton worked with clients that covered a broad range of product offerings and business needs. A partial list of clients include: National City Corp, Banamex, Auto Nation, and Centex Mortgage. Melton provided clients with strategic implementation plans for product offerings, codification of credit policy, and strategy development for new and existing account decision tree tools (Strategyware, FDR ACS, and TRIAD). Prior to CRMA, Melton worked for FirstPlus Financial, a Mortgage lender specializing in high risk, high yield mortgage and home equity loans. Melton led a team that consisted of Model Development, Database Management, and Strategic Risk Analysis. Melton’s risk group created long-term loss projections for potential investors and bond rating agencies in support of financing efforts on the secondary bond market.Prior to FirstPlus, Melton worked for The Associates (now Citigroup/Citifinancial). Melton’s responsibility was all risk analysis indirect sales finance, consumer installment loans, revolving line of credit, and real estate loans. Melton began his career in Credit Operations with Sears Credit – holding various positions in Collections, Customer Service, and Fraud. Melton then transitioned to a new role within Sears Credit as a TRIAD analyst developing line management and authorization strategies for the Sears Credit Card portfolio.

Amit has extensive experience with creating decision strategies for collections on both personal and small business credit with over 10 years experience in the banking industry.

Eduardo Tobon oversees a $25 billion payments business providing debit and credit card solutions, and merchant acquiring for approximately 2 million individuals, businesses, and corporate clients.Previously, Eduardo was the Head of Sovereign Bank’s Strategic Alliances and International Cash Management Group. Under his leadership, Sovereign developed multiple strategic alliances and a portfolio of more than 75,000 clients that included domestic and international companies. He joined Sovereign in January of 2001.Prior to joining Sovereign Bank, Eduardo was a strategic consultant at Mitchell Madison Group and AT Kearney. His experience also includes senior management positions in planning and strategy at Procter & Gamble in Latin America.Eduardo currently serves on several boards including Acculynk, Boston Youth Symphony Orchestras, The Partnership, and the Advisory Board of Cambridge College. He enjoys giving back to the community and mentoring the next generation of leaders from diverse backgrounds.Tobon holds an MBA from Carnegie Mellon (Tepper) and a Bachelor of Engineering from EAFIT Colombia.

Jeff Mullen founded and seeded Dynamics in 2007. Under Mullen, Dynamics sold arguably the largest paid pilots for on-card technology in the history of banking and closed one of the largest Series A investment rounds in 2009 in payments ($5.7MM). Mullen is an inventor on over 150 pending and issued patents ranging from mainstream consumer electronics for Apple, Inc., to children’s electronic toys for Anderson Press. Mullen is considered one of the most prolific young inventors in the United States and has won many of the world’s most prestigious international business plan competitions, including the Rice Business Plan Competition, Carnegie Mellon McGinnis Venture Competition, and the University of San Francisco Business Plan Competition. Mullen began his career at the prestigious law firm of Fish & Neave ('01-'07), where he was a patent attorney. Here, Mullen brought in millions of dollars of new business, managed a group of patent agents and attorneys, and prosecuted, licensed, and litigated patents as well as performed a variety of general corporate transactional work. Mullen’s practice covered a wide range of technologies including financial instruments, trading systems, nanotechnology, power systems, deep-sub micron transistor design, telecommunication protocols, Web 2.0 technologies, interactive toys, signal processing, interactive television, mobile devices, and analog circuitry. Eager to incubate a technology startup, Mullen attended the Don Jones Center for Entrepreneurship at Carnegie Mellon’s Tepper School of Business. Within a few months of starting his MBA, Mullen incorporated Dynamics and was managing a handful of Dynamics' engineers in an off-campus office. While in Tepper’s MBA program, Mullen grew the company to seven employees and obtained arguably the largest paid-pilots for an on-card technology in the history of banking. A few days before Mullen's commencement, Mullen received his first $MM term sheet from a national venture capitalist. Mullen received a degree in Electrical and Computer Engineering at Carnegie Mellon ('01), a JD at New York Law School, Evening Division ('05), and an MBA from Carnegie Mellon’s Tepper School of Business, where he was a James R. Swartz (co-founder of Accel) Entrepreneurial Fellow. He is a member of the Patent Bar, New York Bar, and Connecticut Bar.