Banco Popular de Puerto Rico

Richard R. Oliver is an executive vice president with the Federal Reserve Bank of Atlanta and has been with the Bank since 1973.Since 1998, he has served as retail payments product manager for the Federal Reserve System. In this capacity, he has responsibility for managing the Fed's check and ACH businesses nationwide.Earlier in his career, Mr. Oliver served as planning analyst, administrator of the Automated Clearinghouse, chairman of the Federal Reserve's Electronic Payments Implementation Task Force, manager and officer in charge of software development, vice president in charge of automation services, the Federal Reserve System's product manager for electronic payments services, officer in charge of business development and check software, and staff director for the Federal Reserve System's Policy Committee for Financial Services. He also serves on the Federal Reserve Bank of Atlanta's Management Committee.Mr. Oliver received a bachelor's degree in math from the University of Nevada, a master's degree in information and computer sciences from Georgia Institute of Technology, and an MBA in management from Georgia State University. He has also completed executive development programs at Harvard University and the University of Tennessee.

Tomio B. Narita is a partner with the California law firm, Simmonds & Narita LLP.� His practice focuses on the defense of creditors, debt buyers, collection law firms and collection agencies and in consumer litigation, including defending individual actions and class actions arising under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Telephone Consumer Protection Act, and other federal and state laws governing the collection process.

Deborah Baxley is a Principal with Capgemini Financial Services. An international retail payments consultant, recognized industry expert, creator of growth strategies for new and existing markets, with more than 20 years experience consulting to banks. She has in-depth experience in mobile payments and credit cards. She has performed strategy work in 14 countries for top banks and payment companies, advising on product direction and competitive positioning, delivering in up to $20M in new revenue or $50M in operating cost savings, including MasterCard, Bank of America, Visa, and American Express.She serves as officer for the Smart Card Alliance Payments Council, co-founder, One Million Acts of Payment Innovation, co-founder, NY PAY networking group, and Certified Smart Card Industry Professional. A frequent keynote speaker and prolific author on topics of mobile and advanced payments innovation, she authored more than 25 articles and white papers, and spoke at 21 industry events in the past 7 years on payment security and product innovations for mobile, loyalty, most recently Smart Card Alliance Payments Summit 2014.