Banco Popular de Puerto Rico

Armin Ajami is a Vice President and Sr. Product Manager with Wells Fargo�s Virtual Channels, focusing on mobile banking and tablet offerings.� Armin�has been�responsible for the overall strategy, product management and growth�of the Wells Fargo Mobile banking service since 2006 and has over 18 years of experience consulting and working in the financial services space.

Michelle Van Dyke serves as president, Fifth Third Mortgage Company.Michelle joined Fifth Third Bank in 2001 through the acquisition of Old Kent Bank, and assumed the position of executive vice president of Retail Banking. In 2004, she was named president and CEO of the Western Michigan affiliate. She later was named regional president for each of Fifth Third Bank�s Michigan affiliates. In 2009, Van Dyke assumed the responsibility for the St. Louis affiliates and the Ohio affiliates in 2011.In 2014, she accepted the role of president of Fifth Third Mortgage Company.While at Old Kent, Van Dyke served as senior vice president and manager of the Central U.S. Mortgage region. She was named president of Old Kent Bank, Illinois, in 2000.Van Dyke received her bachelor�s degree in business economics from Calvin College in Grand Rapids, Michigan.Van Dyke serves on the boards of Davenport University, Calvin College, Grand Valley State University Foundation, Spectrum Health System, The Right Place, Inc., Business Leaders For Michigan and Grand Action.Van Dyke was named one of American Banker�s �25 Most Powerful Women in Banking� in 2007, 2012, 2013, and 2014, and a �Woman to Watch� in 2005, 2010 and 2011. In 2013, Van Dyke was named a �Woman of Achievement and Courage� by the Michigan Women�s Foundation. In 2014, Van Dyke was named one of �The 50 Most Influential Women in West Michigan� by the Grand Rapids Business Journal.

Jeffis an emerging payment technologies subject matter expert, with 18 years of leadership experience at industry defining financial institutions including MasterCard, American Express and JPMorgan Chase.�During his tenure, Jeff has developed strategies and go-to-market plans for integrated digital payment solutions, most recently focused on tokenization, host-card-emulation and digital wallets.� Jeff has also conducted business development and evaluated potential mobile partnerships, and has led mobile NFC pilot implementations going back as far as 2006.Jeff has also presented at industry tradeshows such as the Digital Response Forum (DRF) and the Electronic Transaction Association (ETA).� Jeff has contributed to industry standards such as the EMVCo Mobile Payments Working Group, and to industry white papers on cutting-edge topics such as Bluetooth Low Energy (BLE).Jeff holds a Master�s Degree in �Management & Systems� from New York University, a Bachelors in �Geographic Information Systems�, and certifications in Six Sigma Project Management.

D.J. Asad currently leads the mobile commerce strategy and development team within Mobile Financial Solutions at FIS. He is responsible for the development and delivery of industry leading mobile commerce capabilities for FIS clients.Asad focuses on developing a FIS Mobile payments/commerce strategy, utilizing multiple technologies, and managing the process of creating a mobile payments/commerce business within FIS. He maintains subject matter expertize on all forms of mobile commerce, mobile wallet, and mobile banking offerings and technologies.D.J. holds a B.S. in Business Administration degree from the Eller College of Management at the University of Arizona.�

Dave works directly with StrategyCorps� financial institution clients to design, build and implement a variety of checking, marketing and training programs. His extensive financial services experience and continuous research in the field ensures each product and service meets the needs of today's retail bankers.- Develops consumer sites and mobile apps that deliver value to bank customers- Develops analysis tools that allow clients to have a deeper understanding of customer relationships and product profitability- Member of the ABA Bank Marketing advisory board- Mystery shops hundreds of branches

Nuno Sebastiao, CEO, Feedzai brings his experience in infrastructure and services as well as corporate management skills to Feedzai. Previously, Nuno led the development of the�European Space Agency Satellite Simulation Infrastructure. Prior to his tenure at the European Space Agency, Nuno was a co-founder at Evolve Space Solutions, a services�company working in the Aerospace domain. Nuno holds an MBA from London Business School.

Mahi Dontamsetti is currently Global Head of IT Risk and Deputy CISO at Depository Trust & Clearing Corporation (DTCC) where his responsibilities also span DTCC�s joint ventures and subsidiaries. DTCC handles over $ 1.8 Quadrillion in US securities, forming the bedrock for the financial industry. Mr. Dontamsetti has previously served as Global Head of Application Security & Entitlements at Barclays Capital, Chief Technologist at Lockheed Martin and CIO at various startups. He has served in both startup and Fortune 50 firms, had Entrepreneur and Intrapreneur roles, in addition to product management and professional services experience with significant P&L responsibility.� His current passion is securing the cloud where his team is involved in building the first financial services firm to be fully resident in the public cloud.He has a Masters in Computer Science and Telecommunications. He has authored two books on wireless communications, contributed chapters to security books and served on the boards of OWASP NY/NJ, Center of Hybrid & Satellite Communications Networks � A NASA Commercial Space Center and other institutions. He is actively involved in FS-ISAC and is a member of FS-ISAC�s products and services committee.�

Arkadi Kuhlmann�s vocation and avocation have been to reinvent and revitalize consumers� relationship with their money.Arkadi introduced the world to direct banking with a simplified customer focus when he founded ING DIRECT Canada in 1996, creating the brand strategy, recruiting the senior leadership team and growing the bank during 1996-2000 to a successful market position while serving as the bank�s President and CEO.� He then repeated this process in 2000, founding ING DIRECT USA and led its growth to become the nation�s largest savings bank and number one direct bank, with more than $84 billion in deposits and 7.8 million customers.� As the bank�s Chairman, President and CEO, Arkadi executed his vision to create a retail-focused bank that offered an easy-to-use savings, checking, mortgages, and investment products direct to consumers. His customer strategy led to fanatical loyalty and industry-leading customer promotion scores and branded him affectionately as the �CEO of Savings.�Following the sale of ING DIRECT USA, Arkadi set out to fill the �white space� that he saw in mobile banking for customers with global connections and needs. In 2012, Arkadi founded ZenBanx and began creating the next generation of global, mobile banking. �With the initial launch of ZenBanx Canada in Q1 2015, Arkadi officially assumed the moniker �CEO of multi-currency saving.� Additional country launches are anticipated in 2015.Earlier in his career, Arkadi engineered an organizational and systems restructuring as the President of North American Trust, a turnaround project under the ownership of North American Life. The execution of Arkadi�s tactical business plan along with new product development resulted in a transformation from a $10M operating loss to a $17M operating profit.Prior to North American Trust, Arkadi served as President and CEO at Deak & Co. and Deak International for a period spanning 1985-1993.� Deak provided merchant and investment banking services, and through Deak International provided foreign exchange and precious metals trading and refining services.� Arkadi reorganized Deak International�s operations, launching a revitalized company in April 1986, and expanded the company from 52 to 192 branches worldwide and 350 to 1,500 employees, achieving revenues of $1B wholesale and $2.5B retail, and income of $70M.� Arkadi oversaw the successful divestiture of Deak International in 1990.�From 1977-1984, Arkadi served as Vice President, General Manager and Manager of Royal Bank of Canada in its Corporate Cash Management and Commercial Banking Marketing divisions. Before that, he served briefly as a consultant for the banking industry and as an Assistant Director of the Institute of Canadian Bankers.�In addition to his corporate successes, Arkadi demonstrated his passion for teaching as a professor of International Finance and Investment Banking at the American Graduate School of International Management (Thunderbird) in Phoenix, Arizona. He is the author of Rock then Roll: The Secrets of Culture-Driven Leadership and The Orange Code: How ING DIRECT Succeeded by Being a Rebel with a Cause, as well as several books on finance and numerous business cases. His thoughts on banking, leadership and innovation have been published in major newspapers including the Wall Street Journal, Washington Post and New York Times.Arkadi also served on the Federal Reserve�s Thrift Institutions Advisory Council (TIAC) Board from 2006 to 2007, and is a charter member of American Savings Education Council, member of National Association of Corporate Directors (NACD), member of the Financial Services Roundtable and a previous member of the Canadian Club and the Empire Club of Canada.Arkadi received an M.B.A. and an Honors in Business Administration degree from the Richard Ivey School of Business at the University of Western Ontario, Canada. In 2010, he was awarded an honorary Doctor of Laws (LL.D.) from the University of Western Ontario for his contributions to the world of business strategy.�Arkadi has served on the Ivey Advisory Board beginning in 1997 and served in a Chairman role from 2004 to 2013. He was recognized with the Ivey Distinguished Service Award in 2007 for his contributions to the school. Arkadi also serves on the Boards of the Council for Economic Education, Sindeo, and Payoff.During his career, Arkadi has been honored as American Banker�s 2006 Innovator of the Year and the recipient of ING Business Award (Revenue Growth Category) in 2005, Delaware Business Leader Award in 2006 and 2008, Habitat for Humanity Leadership Award in 2007, and the inaugural Netherlands American Foundation�s Ambassador C. Howard Wilkins Jr. Award in 2007. In 2010, Mr. Kuhlmann was honored with the Council for Economic Education�s Visionary Award for his life-long advocacy in teaching adults and children about responsible money behavior.�

Jason Goldberg is a Director of Protiviti's Financial Services Business Performance Improvement practice. An accomplished payments industry executive, Jason has expertise spanning consumer and commercial payments, retail banking, and merchant acquiring, with a focus on business strategy, customer management and engagement, mobile payments, and product development.Prior to joining Protiviti, Jason was a senior member of the Consumer Financial Services practice at Kurt Salmon. He previously held executive positions with MasterCard Worldwide, MasterCard Advisors, Citigroup and American Express. Jason received a BA in International Relations from Tufts University, and an MBA from the Fuqua School of Business at Duke University.