Banco Popular de Puerto Rico

Daniel Gorfine, the founder of Gattaca Horizons LLC, currently serves as an adjunct professor at the Georgetown University Law Center. He is former chief innovation officer of the U.S. Commodity Futures Trading Commission.

Joseph Schuster is an attorney in Goldman Sach’s consumer finance legal group. He joined in early 2016 as Vice President and Assistant General Counsel. Prior to joining Goldman Sachs, Joseph was an attorney with Ballard Spahr LLP in its consumer financial services group in Philadelphia. Before that, he was in-house counsel for Nordstrom Bank advising on Nordstrom’s payment and deposit products.

John Mulligan has played a pivotal role in the growth and success of Appway in North America. As a Senior Consultant, John provides expert guidance to our clients while leading the design & implementation of Appway solutions. Prior to joining Appway, John spent 10 years developing web & mobile business applications with a focus on customer engagement. He holds a Bachelor’s Degree from Stony Brook University.

Norman A. Bliss is senior vice president and director of community development in the Corporate Responsibility segment at KeyBank. In his role, he is focused on the bank's responsible approach to banking, especially as it relates to the Community Reinvestment Act (CRA).�Norman leads the effective implementation of the bank’s Community Development lending, investment, and service activities nationwide ensuring that we meet and or exceed the requirements of the Community Reinvestment Act and creates sustainable outcomes for both clients and communities in which we operate.With nearly 25 years of banking experience, Norman has held a number of positions focused on CRA and community development. He most recently served as senior vice president and manager at First Merit Corporation, where he was responsible for the organization’s corporate CRA program.Norman earned a Bachelor of Arts in Economics from Howard University. He also holds a Housing Development Finance Professional Certification and is a graduate of the National Community Development Lending School.Currently, Norman is a Board member of Village Capital Corporation and sits on the Consumer Bankers Association CRA Committee. He is also the past president of the Shaker Heights Board of Education where he served two elected terms as board member.

Sue Kelsey is Senior Vice President of Product Management at MasterCard, based in the US Headquarters, Purchase, New York. In her role, Sue is responsible for setting and driving best practice for the global prepaid card portfolio in order to optimize product delivery for MasterCard customers and consumers.Sue has 20 years of experience in marketing and product management. Prior to joining MasterCard, she held marketing positions in the consumer packaged goods industry at both GlaxoSmithKline Consumer Healthcare and Reckitt Benckiser. There she held a variety of Marketing Leadership roles at both the local market and global marketing level. She has lived and worked in the UK, Australia, France and the US.Sue holds a Bachelor of Science degree from the University of Leeds in the UK and lives with her husband and two children in the New York area.�

Guillaume Forget is director of product management at Cryptomathic.

Ryan Fox is an identity and access management expert with over a decade of experience serving both commercial and public sectors including ID.me, Equifax, Booz Allen Hamilton, and the United Nations. He is currently the Director of Consumer Identity for Capital One.

Richard is a career risk manager with experience that spans the globe with international financial institutions including Visa International, Citigroup and JPMorgan Chase. His expertise includes executive roles in fraud operations, fraud policy and oversight, customer authentication and identity management. Most recently he formed Parry Advisory, a venture dedicated to promote clear-thinking on identity risk and provide thought leadership on the importance solving problems as they are experienced rather than as they are perceived. Crucially he eschews indignation for thoughtful analysis of cause, effect, and remedy.

Ram Palaniappan is senior practice director of data analytics and insights at TEKsystems.