Banco Popular de Puerto Rico

Smittipon Srethapramote is the Senior Analyst for the North American Payments and Processing sector and the Online Lending sector at Morgan Stanley.� His team led Morgan Stanley’s Blue Paper on the Global Marketplace Lending space earlier this year.� Previously, he led the firm's coverage of the clean technology space and was named a "Rising Star" in the Institutional Investor All-American poll.� Prior to joining the firm, Smitti spent 8 years on the buy side at Fidelity Investments, where he followed the global alternative energy, global media, and US financials sectors and worked as an assistant to portfolio managers on the global equities team.� Prior to that, he worked as a strategy consultant at Corporate Value Associates in Boston and London.��Smitti holds an MBA (with distinction) from Cornell University, an MA in economics from Tufts University, and BA in economics from the University of Oregon.

Loren Picard is CEO of The 42^nd Group, Inc., a real estate development firm with an emphasis on developing cannabis growing properties in states which have legalized cannabis.

As VP of Product and Engineering for Intuit’s Financial Data�Services organization, Helleboid leads the team that is responsible�for the acquisition and management of financial data that enables�awesome customer experiences across all Intuit offerings.�Previously, he was VP of Product Management for Intuit’s�Employee Management Solutions business unit, responsible for�delivering new payroll and employee management products to�Intuit’s small business and accountant customers.�Before Intuit, Helleboid was EVP of Products at BEA Systems, a�web application platform company. He was also formerly president�and CEO of Rainfinity, a security and storage virtualization start-up company. Prior to that, he spent 20 years in the networking and�server industry, including being the VP and GM for the OpenView�Software Business Unit at Hewlett-Packard.�Helleboid holds an engineer’s degree from the Ecole Nationale�Sup�rieure des T�l�communications in Paris, France. He received�an M.S. in management from the Sloan School of Management at�MIT.

As General Counsel of Prosper, Sachin oversees all of Prosper’s legal and regulatory affairs.Prior to joining Prosper, Sachin served as Vice President and Deputy General Counsel of GreenPoint Mortgage Funding, which was then the mortgage lending arm of Capital One Financial Corporation. Before that, he served as Vice President and General Counsel of Valley Media, a music and video distributor. Sachin also practiced for a number of years with the San Francisco law firm of Howard, Rice, Nemerovski, Canady, Falk & Rabkin.Sachin earned his J.D. from UCLA, where he served as an Editor of the UCLA Law Review.� He also holds an M.A. in English Literature from the University of California at Berkeley and a B.A., cum laude, in English Literature from Georgetown University.

Richard P. Eckman is a partner in the Wilmington office of Pepper Hamilton LLP. He is a finance and transactional lawyer and from 2003 to 2015 was chairman of the firm’s Financial Services Practice Group, which includes over 40 lawyers practicing in the areas of investment management, commercial and consumer financial services, public finance and affordable housing.Mr. Eckman’s transactional practice focuses on representing financial institutions, corporations and other entities in complex financing transactions, including mergers and acquisitions, asset securitizations and other lending and venture transactions.As a result of his background in banking, Mr. Eckman has in-depth experience and knowledge of financial services companies. He represents many financial institutions and lenders in a broad array of areas, including commercial lending, consumer finance, mortgage banking, insurance, trust matters, outsourcing and operational issues. He also represents a number of institutional trustees in Delaware business trust transactions.Mr. Eckman also has an active practice representing non-depository institutions and specialty finance companies, and service providers in compliance matters, payment system issues, strategic transactions, government investigation and enforcement actions. He is an active speaker and writer on the activities of the Consumer Financial Protection Bureau and other regulators, and their implications for the industry.Active in politics early in his career, he was campaign manager for Pete duPont’s 1976 successful gubernatorial campaign and was legislative counsel in the Washington office of Congressman Thomas B. Evans, Jr. (R Delaware) from 1977-1979. He also was one of the drafters of Delaware’s landmark Financial Center Development Act that attracted over 25 financial institutions to Delaware, many of whom he represents. He was chairman of the Commercial Law Section of the Delaware Bar Association from 1989-1991 and of its Banking Law Committee from 1984-1992.He has been counsel to the Bank of Delaware, now PNC Bank; was a founder of and vice president and general counsel for The Chase Manhattan Bank (USA), N.A.; and was a director and secretary of FCC National Bank, the national bank subsidiary of Bank One Corporation now part of JPMorgan Chase, headquartered in Wilmington. Mr. Eckman is a fellow in and former regent of the American College of Consumer Financial Services Lawyers and a member of the Lawyers Committee of the Consumer Bankers Association. He is also an adjunct professor at the Villanova University School of Law where he teaches financial institution law. He is active in and held leadership positions on the Consumer Financial Services Committee of the Business Law Section of the American Bar Association and served as editor-in-chief of its e-newsletter.Mr. Eckman was a founder and president of the Delaware Entrepreneurs’ Forum. He is a member of the board of directors of the Delaware Innovation Fund, a nonprofit seed and preseed venture capital fund, and was chairman of the board of Early Stage East, Inc., a nonprofit that sponsors venture fairs in the Mid-Atlantic region. Mr. Eckman also is a member of the Editorial Board of the�Journal of Payment Systems Law.

Arjan Schutte founder and managing partner at Core Innovation Capital.

Since joining Bank of the West four years ago, Jamie has led the transformation of the bank's digital channels. Under his leadership, Bank of the West has transformed its mobile and online capabilities.Beginning in 2013, Bank of the West was the first bank in North America to offer Quick Balance, which provides customers with pre-login account balances on mobile. In 2014, the Bank was one of the first to market with “Scan-to-Pay” capability, which allows mobile customers to pay their bills by taking a photo of a bill stub. In May 2015, the redesign of Bank of the West’s online banking service for personal and small business customers was launched.Under Jamie’s leadership and the bank’s strategic digital focus, his team brought to market a number of award-winning services while enabling customers’ to interact with Bank of the West based on their multi-channel preferences in order to meet their specific needs. In 2015, he was recognized by American Banker as one of the Digital Bankers of the year.Prior to joining Bank of the West, Jamie spent eleven years in Digital Channels at Bank of America.

Ed Boyle is the CEO of Medici Bank. A payments and digital banking expert, Boyle has more than 15 years' experience in varied product and marketing roles at American Express. After serving as U.S. managing director of Fidor Bank in Germany, Boyle brings a deep customer orientation and knowledge of banking technology, and partnership development to create more open and efficient solutions.