Banco Popular de Puerto Rico

Scott is an experienced entrepreneur and strategist. Prior to founding Cardlytics, Scott was a Senior Vice President at Capital One where he developed and launched decoupled debit - a product that is transforming retail banking and enables national direct marketing of debit products. At Canaan Partners, Scott worked on the investing side of the start-up world leading investments in early-stage tech companies. Scott was a Senior Vice President of the leading e-Sourcing company FreeMarkets. He also spent 8 years on an airplane as a Principal at McKinsey & Co and began his career with a 10 year stint at Schlumberger as an electrical engineer. Scott holds a BSEE from Union College and a MBA from Stanford's Graduate School of Business.

Ray is Executive Vice President and Head of Citizens Bank’s Consumer Lending Debt Management division where he has executive responsibility for all collection and recovery efforts for Citizens’ consumer and business banking portfolios, including strategy development, analytics, infrastructure and operational activities. Ray has nearly 20 years of diverse business management experience in financial services.

John is responsible for the strategic evolution and delivery of product features and functionality within the company�s cloud-based platforms - SoundBite Engage� for multi-channel communications and SoundBite Insight for preference management. He frequently participates in regulatory discussions which impact our clients including lobbying efforts with the ACA. He was recently awarded the 2010 President�s Award by the Telecommunications Risk Management Association (TRMA) for his role on a Regulatory Panel � the most highly evaluated session of 2010. John has been working in the customer communications space for over 15 years, including a senior position at Nuance Communications.

Marcelo A. Aita is President and CEO for the NCB group of companies. NCB Management Services, Inc. is a national accounts receivable management company providing call center solutions to major financial institutions, commercial clients, debt buyers, and private schools since 1994. Prior to joining NCB in 2008, Marcelo held various finance and operations positions over 17 years at HSBC. In his last position at HSBC, as national director � call center operations for HSBC Card Services, North America, his responsibilities included managing customer service, sales, retention, and collection functions for the bankcard business. The call center operations group included nearly 8,000 employees across six call centers in the USA and six call centers in India, the Philippines, Malaysia, and Mexico. Marcelo and his senior team focused on people and performance management, employee engagement and satisfaction, customer experience, and developing future leaders.Marcelo joined HSBC through the Household International acquisition. He started with Household Canada in 1991 responsible for branch accounting � consumer finance. In 1995, he was named controller for Merchant Retail Services Limited, the Canadian private label credit card unit. Two years later, he relocated to Chesapeake, Virginia USA as performance engineer for Household Credit Card Services. In 1998, Marcelo was appointed financial analysis manager, risk control in Las Vegas, Nevada. He was promoted to director, collection services, in 2000 and then group director, risk control in 2002 where he managed their call center in Sioux Falls, South Dakota. In January 2004 he became group director, HSBC Global Resourcing North America, and was responsible for the strategic guidance and tactical execution involved in outsourcing functions on an international basis. In June 2005 he was appointed group director, customer care and sales. He moved into his last role with HSBC as national director, call center operations in August 2006.Marcelo obtained his bachelor's degree in Honours Chartered Accountancy Studies from the University of Waterloo, Canada. He became a Certified Management Accountant in 1995. Marcelo maintains his membership in the Society of Management Accountants of Ontario.