Banco Popular de Puerto Rico

Mr. Dunkelberger has spent more than 30 years in the technology field. From the advent of the Local area network (LAN) and PC�s, to the creation of the standalone Security market, he has seen the impact of �big ideas� that have revolutionized the industry. Before the formation of Nok Nok Labs, Mr. Dunkelberger served as CEO of PGP Corporation until Symantec acquired the company in 2010. Over 7 years, He built the company into the leader in the Enterprise Data Protection market.Prior to founding PGP Corporation, Mr Dunkelberger served as Entrepreneur-in-Residence at Doll Capital Management (DCM); President and CEO of Embark, a SaaS-based IT infrastructure provider for the Education market; President and COO of Vantive Corporation, a vendor of enterprise customer relationship management (CRM) software.He has also held senior management positions with Symantec, Apple Computer and Xerox Corporation.Mr. Dunkelberger has served on a number of Board of Director positions. Most recently, Social Fortress and Crossbeam Systems and was a founding Board member of the Cyber Security Industry Alliance (CSIA). Mr. Dunkelberger currently serves as Chairman Emeritus of TechAmerica�s CxO Council.Mr. Dunkelberger has a B.A. in Political Science from Westmont College and is a member of the school�s President�s Advisory Board.

Robert is a seasoned leader and solutions-driven professional with over 20 years of experience in information technology and security. He is passionate about using security to enable business, manage risk, and protect assets and privacy. His current focus is on security controls that can help curb fraud in online applications.

Mr. Shoaib is a Principal Consultant in the Mobility and M2M Practice of Verizon Consulting Services organization within Verizon Enterprise Solutions. This practice is responsible for providing Strategy, Architecture, Integration & Implementation services covering all aspects of Mobility and M2M.Mr. Shoaib has over 13 years of diverse experience in the Mobility and M2M space. He specializes in mobile strategy, product management, solution architecture, global standards and industry alliances. He has extensive global experience and has successfully managed delivery of projects to organizations in North America, EU, Japan, South Korea, China and India.Mr. Shoaib is recognized worldwide as an industry expert in Mobile Device Management (MDM) and Mobile Security. He has made significant contributions to the evolution and success of MDM by leading and contributing to various working groups within the Open Mobile Alliances (OMA), Linux on Mobile Foundation (LIMO) as well as the Symbian Foundation. He has received multiple leadership awards from the Open Mobile Alliance for making significant contributions to global standards.Mr Shoaib brings with him expertise in Mobile Security, MDM, SaaS, Mobile CRM/Customer Care, Device Activation and Provisioning, Firmware Over the Air (FOTA), Remote Diagnostics, WAP, M2M and Device Platforms (Apple iOS, Android, Blackberry, Windows Phone, Symbian)

Theodore Iacobuzio is vice president in charge of Global Insights, MasterCard�s interdisciplinary thought leadership organization. He and his team use research and analysis to better understand consumer behavior and market dynamics�and how those insights can strengthen the business performance of MasterCard customers around the world.Under his direction, MasterCard has published groundbreaking work on payments profitability, the myth of debit �cannibalization,� global debit point-of-sale migration, remittances in Asia/Pacific and the Middle East, and affluent segmentation in Brazil. Prior to joining MasterCard in 2009, Mr. Iacobuzio led the Payments Practice at TowerGroup.

Charles is presently an EVP and Champion of the Emerging Companies segment at BBVA Compass.� A thirty year banking veteran, he has served in various capacities in the Retail, Private and Commercial Bank.� He started his career with Wachovia in North Carolina as a Retail Banker.� He joined BBVA Compass in 2008, serving as Sales Manager for the Community Bank.� He next served in a business development strategic role, working with the Commercial bank to develop training, marketing and sales strategies.� He has been in his current role for one year. Charles is a graduate of Lenoir Rhyne University and presently serves as the President of the Alumni Association.

Mr. Reimink is responsible for Advisory Services in Crowe�s Financial Institutions Performance Consulting Group.� During his 8 years with Crowe, Tim has assisted clients with credit risk management, operational process improvement, technology planning, organization assessment, and compensation.� He is responsible for Crowe�s Financial Institution Benchmarking database.Mr. Reimink has 25 years of broad based industry experience with large regional banks.� His experience includes management responsibility for commercial lending, small business banking, branch networks in large and small communities, and corporate planning.He has an MBA from Northwestern University and a BS in Economics and Mathematics from Kalamazoo College.