Banco Popular de Puerto Rico

Woody Tyner is a Senior Vice President and Enterprise Commercial Digital Strategist for BB&T.� BB&T is one of the largest financial services holding companies in the U.S. with approximately $221.9 billion in assets and market capitalization of approximately $29.0 billion, as of June 30, 2016. Based in Winston-Salem, N.C., the company operates 2,249 financial centers in 15 states and Washington, D.C.� Prior to his current position as of January 1, 2016, Mr. Tyner led BB&T’s Treasury Services Product Management and Client Service team. �Previous positions with BB&T include Payments Strategy group manager and President of BB&T subsidiary Creative Payment Solutions.� Mr. Tyner has been with BB&T for 35 years. �Mr. Tyner has also previously served as the Board Chairman for the Electronic Payments Network (EPN), a board member for NACHA, ECCHO, and EastPay, and a member of the ABA’s Payments Systems Committee.�

Ashwin Raj is the head of Amazon Payments and Amazon Webstore in North America. Since 2014, Ashwin has led the growth of the ‘Pay with Amazon’ platform to enable merchants and partners to create unique commerce experiences that benefit consumers and merchants globally. He transformed a niche program into a multi-billion dollar business by consolidating multiple platforms and enabling self-service, direct sales and enterprise partnership programs. He created Amazon’s first integrated service partnership, for e.g., with Shopify, combining Amazon Payments, Selling on Amazon and Fulfilment by Amazon and subsequently evolved it into the Global Partner Program allowing Amazon to expand its relationships with Ecommerce Platform Providers.Before Amazon, Ashwin spent 12 years at Visa Inc. He was the Vice President, Global Innovation & Strategic Partnerships at Visa Inc., and was responsible for managing Visa’s key strategic partnerships with companies such as Samsung, Microsoft, AT&T, and Sony, among others. Earlier, Ashwin managed Visa’s mobile money initiatives and led the acquisition and integration of Fundamo. The program marketed as mVisa allowed the Visa network to be used for providing mobile financial services to unbanked consumers.Before that, Ashwin managed Visa Direct, Visa’s money transfer business and was responsible for the development and implementation of new products and services that enable consumers to pay one another by sending funds directly to Visa accounts. Ashwin spent more than three years in Visa’s Asia Pacific headquarters in Singapore managing Visa’s co-brand and signature client accounts. His work involved the product management of Visa’s core financial products and sales to financial institutions and key retail partners in Asia and Australia.Prior to Visa, Ashwin has worked in private equity and strategy consulting at Booz Allen & Hamilton in San Francisco.Ashwin completed his undergraduate degree in electrical engineering at Anna University, MS from the University of Tennessee, and earned a MBA from the Harvard Business School.

Bernardo Lustosa is COO of ClearSale. He is also a professor at Sao Paulo's Fundacao Instituto de Administracao, where he instructs MBA candidates in data mining for Fraud Management.

Jim Houlihan is a co-founder of Paladin group- an e-commerce fraud consulting firm working with merchants, financial services clients and vendors in the fight against fraud.� Jim is an industry fraud expert having spent the past 26 years in law enforcement, investigations and fraud prevention.� His most recent stint was at Orbitz as the Director of Worldwide Fraud for the muti-billion dollar online travel agency.� Prior to Orbitz some of Jim’s prior roles include being the Director of Authenticity at Bazaarvoice,� Director of Fraud at Home Shopping Network, Sr. Mgr. of Fraud at Dell Financial Services as well as Sr. Mgr. of Fraud at Citibank.��� Jim is also a 5 year veteran of the United States Marine Corps.

Rachel Schneider is co-author of "The Financial Diaries: How American Families Cope in a World of Uncertainty" (Princeton University Press; April 11, 2017). Schneider is also senior vice president at the Center for Financial Services Innovation, an organization dedicated to improving the financial health of Americans.

Rob Guilfoyle is a software engineer and data professional turned entrepreneur. As the CEO of Abe.ai he helps people engage with their finances through artificial intelligence, data, and messaging platforms.�

Aliza Gutman is director of CFSI.