Banco Popular de Puerto Rico

Keith Smith is CEO of Payability.

Randy T. Slovin is a partner in the Cincinnati based law firm of Slovin & Associates Co., LPA. He has over 25 years of experience in representing creditors, collection agencies, medical providers, credit card providers, and other lenders. His practice is concentrated in the areas of collections, consumer and commercial litigation, bankruptcy, landlord-tenant matters, and compliance with both federal and state consumer credit and collection laws. Randy is a certified practitioner in creditors’ rights law by the American Board of Certification. Further, Randy recently served as chair of the Commercial Law League of America’s (“CLLA”) committee on the Fair Debt Collection Practices Act, was co-chair of their Government Affairs Committee, and is a past chair of the CLLA’s Midwest Region. He is a member of the CLLA, the American Collectors Association, the Debt Buyers Association, and the National Association of Retail Collection Attorneys. Randy has been a frequent speaker and panelist before these organizations and numerous others, on topics relating to creditor’s rights, collections, and bankruptcy. He has also served as an expert witness in cases concerning alleged violations of the federal Fair Debt Collection Practices Act. Randy is licensed to practice law in Ohio and Kentucky, as well as in numerous federal courts in both states, including the Sixth Circuit Court of Appeals.

With over 30 years’ of professional experience, predominantly in the financial services industry, Bruce Mansfield was appointed Managing Director for eftpos Payments Australia Limited (ePAL) in May 2010. As Managing Director of ePAL, Bruce is responsible for the development and management of the company’s business activities to ensure they are aligned with the strategic plan. His role also involves guiding day-to-day operations of the company to ensure that eftpos remains the leading debit system in Australia for cardholders, merchants, owners and stakeholders.Prior to joining ePAL, Bruce held a number of senior executive positions for Visa Inc. where he worked for over 18 years in Australia and around the globe. Bruce holds a Bachelor of Commerce in Business Administration from Victoria University of Wellington. In addition, he has undertaken numerous business studies in France and Singapore. Bruce is a member of the Financial Services Institute of Australasia and the Australian Institute of Company Directors.

Michael L. Frost is Senior Vice President and General Counsel of The CBE Group, Inc., a collection agency headquartered in Cedar Falls, Iowa. In addition to his duties as General Counsel, Mike is a member of CBE’s Executive Management Team. Mike earned a B.A. in Political Science from the University of Northern Iowa and a Doctor of Jurisprudence from Drake University Law School. Mike is a member of ACA International Members’ Attorney Program (currently Chairman of the MAP Committee and acting Iowa State Chair), Vice President of the Iowa Association of Credit and Collection Professionals, a member of the National Association of Retail Collection Attorneys, the American Bar, Iowa Bar and Black Hawk County Bar Associations, and also serves on various non-profit and civic organizations.