Banco Popular de Puerto Rico

John, a Senior vice President and Head of Commercial Card Sales for Small Business & Mid-Market at RBS Citizens, leads a sales organization that supports more than 12,000 business clients.� His team uses a consultative approach to help clients increase cash flow, automate payments and receivables, and monitor and reconcile accounts.� Prior to this, John held several senior leadership roles in his 15 years at American Express and Ernst & Young.

RON RUBIN is a Partner at Hunton & Williams in Washington, DC. Ron was one of the earliest employees at the Consumer Financial Protection Bureau, where he was an enforcement attorney. He played an important role in building the CFPB�s enforcement capabilities, and drafted critical internal procedures such as the Enforcement Action Process (EAP) and the Notice and Opportunity to Respond and Advise (NORA) procedures. Since leaving the CFPB in September of 2012, Ron has represented several clients in their CFPB investigations and examinations. �Previously, Ron was a criminal prosecutor, an enforcement attorney at the SEC, senior special counsel at FINRA, and a managing director on Wall Street. He received his MBA from the University of Chicago�s Booth School of Business and his JD from the University of Pennsylvania Law School. Ron has extensive knowledge of the Dodd-Frank Act and other consumer financial laws overseen by the CFPB. His practice focuses on CFPB and SEC enforcement investigations and litigation, regulatory examinations, and white collar criminal defense.

Bill oversees the strategy practice at Ologie, where he�s responsible for all forms of research and analysis, marketing and brand metrics, strategic planning and the development of brand positioning and campaign strategies. Ologie is a national branding agency specializing in financial services, higher education and healthcare.�Prior to joining Ologie, Bill was North American CEO for Fitch Worldwide, a global branding agency, where he oversaw 300 consultants in offices from Boston to Seattle. Early in his career, he held several marketing management roles with companies including Price Waterhouse Coopers and Eastman Kodak Company. Throughout his career Bill has worked with a wide range of financial services clients including JP Morgan Chase, Nationwide Insurance, Legg Mason, US Bank, T. Rowe Price and BBVA Compass Bank.�Bill holds a bachelor�s degree in design from The Ohio State University and a master�s in business administration from the Fisher College of Business. He is a member of the American Marketing Association, Design Management Institute and serves on the board of trustees for the Greater Columbus Arts Council.

G�rard Galler studied Electrical Engineering at the University of Brussels and Artificial Intelligence at the University of Essex. He started his career in the industry by managing several projects such as software for the European launcher Ariane V and other space vehicles, for electronic payments over the internet or for road traffic management. He joined the European Commission in 1998 to support research on smartcards through the EU Framework Programme for Research. He ran eEurope Smartcards, a policy initiative in the early 2000 to foster the pan-European deployment of smartcards. From 2003 till 2006, he served scientific counsellor in the European Commission Delegation to Georgia & Armenia where he also dealt with EU assistance. Within DG CONNECT, he is in charge of the electronic signatures Directive.He is one the co-authors of the proposal that was tabled by the European Commission in June 2012 for a "Regulation on electronic identification and trust services for electronic transactions in the single market".

Giovanni Moro is a vice president for the Wells Fargo Wholesale Customer Collaboration platform. Wholesale Customer Collaboration is focused on providing customer-facing collaborative tools to Wholesale web properties including document exchange, eSignature, and status indicators. Wholesale Banking serves large corporations, middle-market businesses, governments, and institutions with annual revenues of $20 million and above. Prior to his current role, Giovanni served as product manager for the Wholesale SharePoint environment, designed online tools, and implemented video conferencing and video blogs for the Wholesale Intranet.Giovanni has 7 years of experience with collaborative tools and has spent 18 years designing web-based solutions, developing rich media, and evangelizing usercentered design.

Jonathan oversees a measurement team in the development and management of measurement solutions on Facebook for the Financial Services vertical. Prior to Facebook, Jonathan was a product manager at a few tech startups, helped Chicago bid for the 2016 Summer Olympic games and worked as a management consultant. Jonathan has his M.B.A. from Dartmouth College.