Banco Popular de Puerto Rico

Jack Albers serves as Payments Counsel at PayPal. His primary responsibility is to advise and partner with the Consumer Product business unit in developing innovative products and services for PayPal’s consumer customers. Jack’s practice covers topics such as federal and state consumer protection laws, state licensing of money service businesses, privacy laws, AML/KYC obligations, and industry standards such as the NACHA Operating Rules. Prior to joining PayPal, Jack worked at the law firm Cole-Frieman & Mallon LLP in San Francisco. Jack also has experience working as In-House Counsel at a small start-up technology company called mCode, which developed medical coding and billing software. He is a regular speaker at conferences on payments-related topics. Jack earned his J.D. from the University of Michigan Law School and his B.A. from the University of Virginia, and he is a member of the State Bar of California. Jack also serves on the Board of Governors of the Human Rights Campaign.

Jay Wardle is currently Head of Finance, AOL Advertising.� He leads all sales efforts across AOL's portfolio of Content, Mobile, Social, Technology/Programmatic and Video products with key financial partners across banking services, credit card issuers, insurance providers, investment funds and stock brokerages across the east region.�His team spearheads advertising sales across AOL, Microsoft, Millennial Media & Verizon's products including Adap.tv, Advertising.com, go90, ONE by AOL, publisher properties - including AOL.com, Engadget, Huffington Post, Mandatory, Moviefone, MSN.com & TechCrunch - Skype & Xbox.Prior to joining AOL in 2010, Jay spent 10 years with American Express in their media group.� He led global partnerships across print and digital assets with Automotive, Financial, Tech/Telco and Travel partners.He's held positions in the global derivatives marketplaces, specialized in Leadership & Management while completing his MBA at the Leonard N. Stern School of Business at New York University and completed his undergraduate work at Michigan State University.

Dan Latimore leads the Banking group at Celent, whose analysts study the business implications of new technology. In addition to managing the team’s overall topic portfolio, Dan focuses on the banking ecosystem, digital and omnichannel, and innovation. Underlying each is a keen interest in consumer behavior and technology-enabled strategy. With clients around the globe, Dan brings a wide-ranging perspective to today’s dynamic fintech scene.He lives in Boston (only 23 minutes from the airport) with his wife and two teenaged girls, who are consistently annoyed by (among other things) his questions about how they use technology. His dog provides much-needed unconditional love.

Michael Casey is a senior advisor for the Digital Currency Initiative at MIT Media Lab, where he works to build awareness and scholarship around the application of digital currencies and the underlying blockchain technology.Before joining MIT last summer, Casey was a senior columnist covering global finance at The Wall Street Journal. In a career spanning five continents, he covered currencies, bonds, equities and economic policy for The Journal, Dow Jones Newswires and various other media outlets.Casey is the author, along with his former WSJ colleague Paul Vigna, of The Age of Cryptocurrency: How Bitcoin and Digital Money are Challenging the Global Economic Order, now a leading reference on digital currencies and blockchain technology. He has two prior books to his name: The Unfair Trade: How our Broken Global Financial System Destroys the Middle Class, an analysis the global dimensions of the recent financial crisis, and Che’s Afterlife: The Legacy of an Image, about the famous photo of Ernesto "Che" Guevara by Alberto Korda.A native of Perth, Australia, Casey is a graduate of the University of Western in Australia. He also has higher degrees from Cornell University and Curtin University.

Theresa is an Associate on the Programs Team. She conducts research to identify and analyze financial services trends and innovative products, and provides relevant, actionable insights to lead to improved consumer financial health. She is highly motivated by the opportunity to improve access to and quality of financial products and services. She believes in achieving this through a collaborative network which can create measurable, sustainable improvements in the lives of millions of people. Prior to joining CFSI, Theresa worked in nonprofit and affordable housing development at Affirmative Investments, Inc. There she worked with public and private funding sources to expand opportunities for low-income populations. Theresa earned a Master of Public Policy from Loyola University Chicago and a Bachelor of Arts in Sociology from Boston College. She enjoys spending her time outside of CFSI biking, exploring Chicago and working to win her local euchre league.

Lance is part of a team of professionals that provide industry thought leadership and expert consultation to support customer co-innovation, enterprise transformation, and business process performance improvement programs. Bringing over 20 years of experience to the role, Lance’s priority is to lead customer engagements to assess strategic objectives, innovation scenarios, key improvement opportunities and other sources of incremental economic value.Prior to joining SAP, he spent over 20 years in the banking and finance industry working for industry leaders like JP Morgan Chase and PNC. Most recently Lance served as the Virtual and Digital Client Experience Manager for Associated Bank were he was instrumental in the startup of the virtual banking and digital client experience division. Lance’s experience in banking includes executive management roles in retail, contact center, corporate, mortgage, and wealth management.Lance is married to his wife Caryn of 18 years and lives in Northeast Ohio. He is very active in his community mainly through coaching his children Dominic and Isabelle’s athletic teams.Lance holds a bachelor’s degree in business administration from Youngstown State University in Youngstown, Ohio, an MBA in Finance from Cleveland State University in Cleveland, Ohio, as well as being a graduate of the Consumer Bankers Associates Graduate School of Retail Bank Management at the University of Virginia in Charlottesville, Virginia.

Philip Rowan is the international lead at the Financial Conduct Authority’s Project Innovate, which works to promote innovation and competition in financial services to the benefit of consumers through making the regulatory system more innovation-friendly.�Prior to this Philip was a senior economist in the FCA’s Chief Economist's Department, focused primarily on promoting competition in UK financial markets. Philip has also worked at the Consultative Group to Assist the Poor and the UK's Competition and Markets Authority.�Philip holds an MSc in Economics for Development from the University of Oxford and studied Economics at the University of Warwick and the Sorbonne in Paris.�

Brad leads Acxiom’s Financial Services Strategy & Analytics Practice, which helps banks and payments companies drive growth through customer-focused marketing strategies, analytics, and capability improvements.� Previously Brad was a partner with Ernst & Young Consulting and a vice president with MasterCard.

Angus is a Senior Manager in EY’s Financial Services Office where he leads the firm’s distributed infrastructure strategy for the financial services industry.� In his role, Angus brings together global teams to deliver engagements and develop services and thought leadership on blockchain and related technologies for financial services clients. In addition to institutional clients, Angus has advised a number of startups, regulators, governments, and is a frequent speaker at conferences internationally.� Angus has published numerous articles and performed regular interviews for industry media, specializing in the practical implementation of distributed infrastructure innovations and the development of new business models in the financial sector and beyond.

Mark Payne is co-founder and president of Fahrenheit 212, an innovation firm, and author of “How to Kill a Unicorn.”