Banco Popular de Puerto Rico

Rodger Desai is co-founder and Chief Executive Officer of Payfone, Inc. Previously, Rodger served as co-founder and CEO of Rave Wireless, Inc. Rave�s service is now deployed at over 300 universities.Prior to Rave Wireless, Rodger was co-founder and CEO of the Vettro Corp., an innovator in mobile banking and brokerage, LBS apps, and J2ME.Rodger started his career as an executive in Accenture�s telecom practice after engineering management positions at ExxonMobil and GE. He has also assisted in initiatives that leverage the use of mobile phones in emerging markets for social causes, such as disease surveillance in Iraq, and micro-financed village phone programs in Asia.Rodger graduated from RPI and attended the Harvard Business School.

Artie Byrne has been with Barneys New York for over 10 years, where he is responsible for the luxury department store’s financial and store systems. 2 years ago he was charged with modernizing their point of sale system – a central piece to that strategy was implementing mobile. Barneys launched mobile point of sale in November 2011 and were the first retailer to offer full functionality on an Ipad. He is also involved in and manages other digital strategy elements for the chain. Artie received his B.S. in Computer Science and Film Studies from Rutgers College and an MBA from the Stern School of Business at NYU.

Raul Vazquez is the CEO and a member of the Board of Directors for Progreso Financiero, a mission-driven, financial services company that uses advanced data analytics to provide responsible credit to financially underserved Hispanic communities.� Raul came to Oportun after almost nine years at Walmart in various senior leadership roles, including EVP and President of Walmart West, President and CEO of Walmart.com, and EVP of Global ecommerce for developed markets.� Raul previously worked in start-up companies in e-commerce and as an industrial engineer for Baxter Healthcare.� He also serves on the Board of Directors of Staples, Inc.Mr. Vazquez is a graduate of Stanford University with BS and MS degrees in industrial engineering and earned an MBA at the University of Pennsylvania.

David C. Darnell is co-chief operating officer of Bank of America and is a member of the company’s executive management team. In this role, he is responsible for all of the businesses that provide individual customers and clients with deposit, card, home loan, business banking and wealth management products and services.The businesses Darnell leads serve 55 million U.S. households and small businesses through an unmatched coast-to-coast retail and ATM network, including the nation’s leading and award-winning digital banking platforms, with 30 million online and more than 12 million active mobile users. The business also provides specialists for all of its products and services through its banking center network, as well as financial solutions advisors and an industry leading platform known as Merrill Edge for 8 million mass affluent customers with more complex financial needs.Affluent and high net worth clients are served through Merrill Lynch wealth management and U.S. Trust, together representing one of the largest wealth management firms in the world with $2.3 trillion in total client balances and more than 17,500 Financial Advisors. Darnell also oversees Business Banking for companies with revenues of $5 million to $50 million, offering financial solutions and advice to more than 40,000 clients each year.Previously, Darnell was president of Global Commercial Banking, leading a team of commercial banking professionals who provide integrated delivery of the bank’s capabilities to one in three midsize businesses across the U.S. Prior to that, Darnell held various leadership positions including Middle Market Banking group president; Central Banking group president; Midwest Region president; and Florida Commercial Division executive. He joined the bank as a credit analyst in Greensboro, N.C. in 1979. Darnell is on the board of directors of Watsco, Inc. and the American Bankers Association. He is a member of the board of trustees of the National Urban League and Queens University

Shirley You is Manager of CFSI�s provider relationships, including small and large banks, credit unions, and other large-scale financial services providers. She is always excited to hear about new pilot projects and innovations in the marketplace that can drive improvements in consumers' financial health.�

Victoria Cheng is a Senior Associate at Core Innovation Capital, where she invests in financial technology start ups that focus on serving the Emerging Middle Class. Prior to Core Innovation Capital, Victoria worked with venture capital firms, NYC Seed, Foundation Capital and Investor Growth Capital. She has worked on early stage technology companies from seed to growth equity. Earlier in her career, Victoria was an investment banker at Citi, where she advised clients on initial public offerings, private placements, debt issuances, joint ventures and M&A transactions.Following Citi, Victoria worked at H.I.G. Capital, a middle market private equity firm, where she was responsible for screening, due diligence and portfolio management. Victoria is a Kauffman Fellow. She also serves on the board of the InSITE Fellowship program. Victoria received an MBA from Columbia Business School, where she graduated with honors, and a BS from Georgetown University, where she graduated magna cum laude.

Lisa Stanton is president of InAuth.