Banco Popular de Puerto Rico

Joseph L. Breeden, Ph.D., is the chief executive of Prescient Models LLC, a models and analytics consultancy. He has published papers and given lectures on retail lending analytics and economic capital around the world. In April 2010, his book “Reinventing Retail Lending Analytics” was published by Riskbooks. Strategic Analytics, of which Dr. Breeden was a founder, has grown to become an industry power and its software and services are used to analyze over $2 trillion in credit cards, auto, home equity, mortgage and other consumer credit portfolios.

Andrew Spark has served an Assistant Attorney General in the Division of Economic Crimes of the Florida Attorney General's Office for seven years, prior to which he was in private practice for more than 10 years. His current practice with the Attorney General's Office almost entirely consists of handling consumer matters, including collection practices matters, and he has significant experience as an attorney collecting debts as well as providing compliance advice to debt collectors.He is a cum laude graduate of The Wharton School at the University of Pennsylvania, with a major in Finance, an honors graduate of the University of Florida College of Law, and is admitted to practice law in New York and New Jersey as well as Florida. He is a member of the National Association of Attorneys General Debt Collection Working Group, has served as Vice Chair of the Consumer Protection Law Committee of The Florida Bar in 2001-2002, has made numerous presentations on Fair Debt Collection and other collections practices issues, and has made several televised appearances as a legal commentator, including on MSNBC.

Zil is a Senior Analyst at Celent, the global research and advisory firm (and division of Oliver Wyman), specializing in Financial Services. �His research focuses on payments, covering a broad range of issues, from cards to digital payments to emerging technologies such as blockchain. �He has published in depth studies on digital wallets, tokenization, EMV, card-linked offers, cryptocurrencies, card management and transaction processing technologies and other major industry topics. �He is also the author of Celent’s annual review of Top Trends in Retail Payments.Zil has nearly 20 years of consulting and advisory experience working with leading financial institutions, payments companies and private equity firms around the world. �He joined Celent from Oliver Wyman in 2010 where as a management consultant he advised senior client executives on a range of strategic and operational issues.Zilvinas is a regular speaker, chairman, and panel moderator at leading payments industry events and has been widely quoted in the press. �Zil has an MBA from Carnegie Mellon University and MSc in Applied Mathematics from Kaunas University of Technology.