Banco Popular de Puerto Rico

Andrew Ditton is the Head of CRA Business Strategy and Execution. From 1999 to 2014 Mr. Ditton co-headed community development lending and investing efforts for Citi. Previously, Mr. Ditton served as Managing Member of Davis/Ditton LLC, an affordable housing development business in Chicago, and as the Chief Operating Officer of LISC. Mr. Ditton is currently a Director of the National Equity Fund and the Community Development Trust and serves as Chair of the board of directors for the Low Income Investment Fund. Additionally, Mr. Ditton is an Adjunct Professor at Columbia University�s School of International and Public Affairs.

Adam Krellenstein is co-founder and CTO of Symbiont.io, Inc., a FinTech company focused on coupling traditional financial markets and blockchain technology using smart contracts. He is co-founder and chief architect of Counterparty, a protocol for trustless, peer-to-peer finance built on top of the Bitcoin blockchain and responsible for 1% of daily Bitcoin transactions. Adam is Founding Director and Chief Scientist of the Counterparty Foundation.

Kevin Halsey is a consultant at Capital Performance Group. He joined CPG as a Business Analyst in June of 2012.

Ed Boyle is co-founder and CEO of Blade Payments, a New York-headquartered company that has built a middleware-as-a-service platform that connects crypto currency providers, such as wallets, exchanges and mining pools, to the traditional payment rails to power bitcoin debit cards globally.Prior to Blade, Ed was the co-founder and President of Point Payments, a payments platform to the loyalty points & miles industry. Prior to that, he was the General Manager of the Prepaid Card business at American Express, where he was responsible for the sale of over 20 million cards generating over $1 billion in spend volume annually. He was with American Express in various product management roles spanning both corporate card and consumer card product lines for over 15 years.�Ed holds numerous patents, has a BA from Dartmouth College and an MBA from NYU Stern School of Business.�

Peter Sterling serves as the President and Portfolio Manager of the Coastland Direct Yield Fund and is a senior member of Coastland Capital Management Committee. Peter has 15 years of industry experience investing in credit, equity, and derivative portfolios and investing in non-performing loans in the consumer and commercial credit card space.� Prior to joining Coastland Capital,� Peter co-managed a multi-billion dollar capital structure arbitrage portfolio at KBC Alternative Investments and Marin Capital.�Previous to that, Peter traded derivatives at DE Shaw/KBC FP and on the American Stock Exchange. Peter graduated from Cornell University with a Bachelor of Arts in Economics and Psychology.�

David Balcar is a Security Expert with the Security Intelligence Services Division of Kaspersky Lab.David is a veteran security professional with over 18 years of experience in conducting network Penetration testing, Web application security testing and Wireless testing. David has extensive experience in Security testing, Computer Forensics of multiple operating systems, Policy Review and compliance assessments for HIPAA and PCI DSS. David is a member of the HTCIA (High Technology Crime Investigation Association), FBI’s InfraGard & ISSA (Information Systems Security Association) and speaks regularly at IT Security forums. At Kaspersky Lab, David is responsible for the presales activities of the Intelligence Services portfolio that includes: Threat Data feeds, Botnet Tracking, Intelligence Reporting, Cybersecurity training, Malware Analysis, Digital Forensics and Incident Response.

Yongyong Kennedy is the head of Financial Services Measurement group at Facebook Inc., a global industry leader in digital content and advertising.Yongyong has over 17 years of diversified financial experience and database marketing expertise through various senior posts with financial industry beacons such as American Express, Citigroup, JP Morgan Chase and Capital One.Yongyong�s expertise includes marketing optimization in both direct response and brand marketing fields, client segment insights as well as product/servicing strategies. She is also passionate about bridging the offline insights and digital practice to drive optimized cross media marketing decisions.�

Edgar Enciso came to BBVA Compass in 2011 as director of Customer Intelligence, providing knowledge for strategic decision making through use of Big Data. He is responsible for transforming data from customers, online resources and markets into opportunities to increase cross-sell and profitability, attract balances and reduce attrition. Enciso and his department reside in the Business Development and Digital Transformation unit.Previously, Enciso was with BBVA Bancomer, starting at the BBVA Group subsidiary as MIS manager in 1992 where he integrated customer information into financial monthly tracking and incentives. In 1995, he became finance systems planning manager, developing project management methodology to align strategic business planning with information technology projects. A year later Enciso was appointed as business intelligence & development director, where he developed the customer information data mart, CRM systems and worked on processes for business intelligence, campaign management and data mining. He was also responsible for BBVA Bancomer�s business models, quality & service models and strategic planning in certain areas of the bank.Enciso earned his MBA with a concentration in finance and marketing from the University of Pittsburgh and his bachelor�s in cybernetic engineering and computer science from the Universidad La Salle in Mexico City.

Dr. Dan Geller is a behavioral finance scientist and the author of Money Anxiety.� In his research, Dr. Geller examined the financial habits of consumers during various economic cycles and found strong and significant linear relations between consumers� level of financial anxiety and their savings and spending habits.His research in financial behavior, or Behavioralogy, shows that people repeat their financial behavior in a highly predictable manner. People �orient� themselves to the state of the economy by repeating 6 financial-behavior patterns � 3 related to their spending and 3 related to their savings.� Each financial behavior pattern corresponds to the stage in the economic cycle i.e. recession, recovery, expansion and decline.Dr. Geller earned his Doctoral degree from Touro University, and has published numerous peer-reviewed articles in scientific publications.