Banco Popular de Puerto Rico

Charles Hoskinson is a Colorado based technology entrepreneur and mathematician. He attended University of Colorado, Boulder to study analytic number theory in graduate school before moving into cryptography and social network theory.His professional experience includes work with NoSQL and Bigdata using MongoDB and Hadoop for several data mining projects involving crowd-source research and also development of web spiders. He is the author of several white papers on the design and deployment of low bandwidth prolog based semantical web scraping bots as well as analysis of metamorphic computer viruses through a case study on Zmist.His current projects focus on evangelism and education for Bitcoin and fully homomorphic encryption schemes. He is the director of the Bitcoin Education Project and chief executive officer of Next Cryptography.Charles enjoys fishing and chess alongside a passion for photography and education. He lives in Boulder Colorado, but often travels to more exotic locales.

Mary is the founder of dcIQ, a consulting firm that works at the intersection of innovation, investment and public policy. Mary is particularly focused on the potentially transformative power of digital currencies. �She is working to shed light on the regulatory and policy decisions needed to unlock the positive economic and social potential of a global �Internet of Value�. �Before forming dcIQ in August 2013, Mary served as General Counsel and Vice President of Public Policy for Silicon Valley Bank, the leading provider of financial services to innovative companies and their investors around the world. Before joining SVB, Mary served as General Counsel and Special Counsel for New Skies Satellites, a Netherlands-based company that owned and operated a global satellite communications system. Mary's work with SVB and New Skies built on more than a decade working in and with Washington, D.C., both on the staff of Senator Edward M. Kennedy and as an attorney with Goldberg, Godles, Wiener & Wright, where she advised companies on policy and regulatory issues before the Federal Communications Commission. Mary serves on the Boards of Green Dot Corp. and Green Dot Bank and on the Advisory Board of Stanford�s Institute for Research in the Social Sciences (IRiSS). �Mary holds a B.A. in economics from the University of California, Los Angeles and a J.D. from Stanford Law School.�

Dave is founder and CEO of Upstart, a online lending platform that goes beyond the FICO score to finance people based on signals of their potential, including schools attended, area of study, academic performance, and work history.Previously, Dave was President of Google Enterprise. Over 8 years, he built Google�s billion dollar cloud apps business worldwide, including product development, sales, marketing, and customer support. Dave was SVP of products & marketing at Virage, a pioneer in video search technology. He started in Silicon Valley as a Product Manager at Apple. In earlier life, Dave was an associate in Booz Allen�s Information Technology practice in San Francisco. He started his career in software development with the Boston office of Accenture.Dave graduated from Dartmouth College with an AB in Engineering Sciences and a BE in Computer Engineering. He also graduated with an MBA from the Ross School at University of Michigan with high distinction.

Albert leads Funding Circle's investor sales efforts and is part of a team that is responsible for the structuring, execution and distribution of Funding Circle’s offerings to institutional and accredited investors.�Albert was most recently a Director of Institutional Sales at Telsey Advisory Group, a boutique research and brokerage firm. Previously, he spent six years as a Vice President at FBR Capital Markets in Institutional Sales covering hedge funds, family offices and asset managers. Prior to FBR, Albert was an Associate at Merrill Lynch Capital. He started his career in investment banking at Deutsche Bank in the Global Media Group.�Albert received a BSBA in Finance and International Business from Georgetown University.

As Vice President of Small Business at Lending Club, Sid is responsible for overseeing the small business loan segment including product development, credit policy, underwriting, sales and operations.Before joining Lending Club, Sid was a Senior Vice President at Capital One Bank and Head of Small Business Lending. Prior to working in small business banking at Capital One, Sid held various roles in their consumer and small business credit card segments. He has extensive experience in developing data-driven strategies for risk management, customer acquisition, and product development. He also serves on the Board of Directors of the Small Business Financial Exchange.Sid holds a bachelor degree from the School of Planning and Architecture and an MS from Smeal College of Business, Pennsylvania State University.

David Cotney is senior adviser at FS Vector, a compliance, public policy and business advisory firm to fintech, regtech and innovative companies. He was previously commissioner of banks in Massachusetts.

Jason Fritton is Co-Founder and CEO of the National Alternative Real Estate Lender and Crowdfunding platform, Patch of Land. Jason originally conceptualized Patch of Land in early 2011 as a means to help rescue parts of Chicago devastated by the real estate crash. He has been involved with crowdfunding legislation since the beginning and worked with Congressmen to lobby for the crowdfunding exemptions that were written into the 2012 JOBS Act.� Jason guides Patch of Land's operations, strategy and execution.Previously Jason founded a multi-million dollar business, working in technology project design and procurement in the public sector, managing a major build out for the US Army. Jason studied philosophy & history at Cornell College.

A seasoned Information Technology executive with over two dozen industry recognized certifications and a B.S. in Computer Science, Frank is a Partner and the Director of Exchange Technology at ebenefit Marketplace. Under his leadership, the organization has grown nationally, providing brokers across the United States with the tools and resources they need to succeed in this new world of employee benefits. He is responsible for establishing and maintaining the strategic broker partnerships ebenefit has developed nationwide, helping bridge the gap between insurance and technology-driven solutions.Prior to founding ebenefit Marketplace, Frank was the Chief Operating Officer at IT Solutions of Connecticut where his focus was consulting firms on strategy and efficiency while implementing practical business solutions that provided measurable value and sustainable ROI.Frank is very active in volunteering for causes that support children in need. He serves on as a co-chair and sits on several committees which directly benefit children and was recently selected as New Haven�s Finest Young Professional by the Cystic Fibrosis Foundation.

Lester Joseph is the Manager of the Global Financial Crimes Intelligence Group at Wells Fargo & Company.� The primary mission of this Group is to provide intelligence on money laundering activity and financial crime trends to all parts of the company.� Les joined Wells Fargo in March 2010 as the International Investigations Manager.Prior to joining Wells Fargo, Les worked for the U.S. Department of Justice from 1984 to February 2010.� From 2002-2010, he was the Principal Deputy Chief of the Asset Forfeiture and Money Laundering Section (AFMLS).� He was a Deputy Chief in the Section since October 1991.�Les began his career with the Department of Justice in 1984 as a Trial Attorney in the Organized Crime and Racketeering Section.�� From 1981-1984, he was an Assistant State's Attorney in Cook County (Chicago), Illinois.� He received his J.D. from The John Marshall Law School in Chicago and his B.A. from the University of Michigan.��