Banco Popular de Puerto Rico

Micah Winkelspecht is the CEO and Founder of Gem, a simple and secure platform for blockchain developers. Gem�s mission is to empower individuals to be in control of their digital assets, starting with bitcoin. �An active Bitcoin community organizer and thought leader, Micah regularly speaks, moderates, and hosts at Bitcoin and startup events, and is co-organizer of the Los Angeles Bitcoin meetup group of over 1,000 members. �Micah is also a significant contributor to the Bitcoin developer community as the author of MoneyTree, a popular open-source library used to create Bitcoin wallets and the first Ruby implementation of a Bitcoin HD wallet. �Prior to his contributions to the Bitcoin world, Micah spent 10+ years developing software for companies including AT&T Interactive, Guide Financial and Pose. �Twitter: @winkelspechtLinkedIn: https://www.linkedin.com/in/winkelspecht

Catherine Zhou is a Partner at PwC. She leads the Digital and Customer Practice for Financial Services. Catherine has over 15 years of experience in developing digital, mobile and social media� strategy, actionable insights, predictive customer analytics, unstructured data management, marketing and business intelligence, leveraging these capabilities to drive customer experience transformation, profitable customer acquisition and retention.� Catherine has worked with various industries including retail, communication and high tech, financial services, media and entertainment, utilities.She is the Co-author of �The Social Media Management Handbook�.Catherine is a frequent speaker at industry conferences, she chaired the Netfinance 2015 on Mobility and Innovation, she was the key note for ABA Marketing Conference in 2014 and chair the Internet Marketing Association Conference in 2012.

In the commercial and small business segments, Joel Pruis brings more than 25 years of experience delivering fundamental change in the origination and ongoing management of credit relationships. In his role as Senior Director at Cornerstone, Joel is focused on commercial credit performance improvement covering policy, process, roles and responsibilities for both loan origination and ongoing customer management.Prior to joining Cornerstone, Joel was Senior Business Consultant in Experian�s Global Consulting Practice delivering policy review, decision strategies and process redesign generating significant ROI for his clients in the commercial and small business credit segments. While serving financial institutions of all sizes, Joel�s primary focus has been engaging with more than 200 financial institutions of $20 billion and less over the past 12 years.In addition to his consulting experience, Joel has more than 15 years of practical commercial credit experience in the financial industry in such roles as credit analyst, relationship manager and underwriting manager. Joel developed strong relationships with his clients delivering the traditional commercial loan products along with tax-exempt bond financing, credit swaps, international services and treasury management products.Over the past 12 years, Joel has spoken at industry conferences including the BAI Loan Review Conference, RMA Annual Conference, the Bank CEO Network, CUNA Future Forum, Fair Isaac�s Interact and the BISYS Annual Technology Conference. He has also been published in American Banker, RMA Journal and US Banker.Joel has a Bachelor of Science Degree in Accountancy from Calvin College and a Master�s Degree in Business Administration from Indiana Wesleyan University.

Jason has 20 years of professional experience in the consumer finance, banking, and technology industries. He has successfully managed the start up of a warehouse lending business, loan fulfillment centers, and advised clients on unsecured lending strategy, marketplace lending market entry strategy, merger and acquisition integration, operations transformation, cost optimization, and system integration projects.Prior to PwC, Jason held leadership roles in business strategy execution in a national bank and an e-commerce company. Jason co-authored PwC�s Point of View publication �Peer Pressure: How peer-to-peer lending platforms are transforming the consumer finance industry�.

Tom was named Managing Director and Head of Business Banking at The PrivateBank in 2010. His current responsibilities include overseeing the Business Banking division that specializes in businesses with annual revenues up to $50 million. This role involves management of Relationship Managers in three states as well as oversight of the credit process through dedicated Portfolio Managers and Client Specialists.Prior to joining The PrivateBank, Tom was Senior Vice President and Group Manager for Small Business and Retail Banking at First Chicago Bank and Trust. Responsibilities included managing a team of Business Banking Relationship Managers and overseeing the bank’s seven retail branches through a network of Regional Market Managers and in-branch Customer Service Managers.Before his time with First Chicago, Tom was Group Senior Vice President of Business Banking in the Midwest for LaSalle Bank, part of ABN AMRO Bank. Tom’s responsibilities included managing 80 Relationship Managers as well as a centralized credit underwriting and portfolio management center, risk management, reporting and project management, and small business marketing.Prior experience includes the positions of Business Banking Regional Manager at Bank One in Chicago and Branch Manager and Business Banker with First Union National Bank in Orlando, Florida. He started his career at Barnett Bank in Stuart, Florida in their Commercial Management Training program, later serving in commercial banking and as a Branch Manager.Tom graduated from Northern Illinois University with a B.S. degree in Finance and holds an M.B.A. from Crummer Graduate School at Rollins College in Florida.

Angela Ceresnie is CEO of Climb Credit, a innovative student lending and payments platform.

As Co-Founder and Head of Strategy, Todd has led R3's exploration into distributed ledgers, meeting and establishing relationships with the largest venture-backed blockchain companies and recognized thought leaders in crypto-finance. Prior to R3, Todd spent fourteen years at Standard Chartered Bank in financial markets trading and management, where he held the roles of Global Head of eFX Trading and Managing Director, Head of FX Americas.

Mr. Wojciechowski is the CEO of MicroBilt Corporation, with over 25 years of experience in the consumer data reporting industry.� MicroBilt is the single source and preferred provider of decision critical information that assists businesses in reducing risk and managing their business.� The company is also the leading provider of alternative credit data to businesses that want to offer credit and other financial services to the approximately 110 million underserved and underbanked consumers in the United States.He currently serves as a board member of the Online Lenders Alliance, the Consumer Data Industry Association and Clarifi.org a nonprofit financial literacy organization.