Banco Popular de Puerto Rico

Tom Ridge is the CEO of Ridge Global, LLC. As the company's chief executive, Ridge leads a team of international experts that help businesses and governments address a range of needs throughout their organizations, including security and infrastructure protection, emergency preparedness and response, energy, strategic growth, maritime management and other issues that encompass a diverse portfolio. He also serves as chairman of Ridge Insurance Solutions Company, which he launched in October 2014 partnering with five Lloyds of London syndicates to provide an innovative cyber insurance offering designed to help clients' manage digital risk more effectively. He is the co-founder of the strategic advisory firm, Ridge Schmidt Cyber, an executive services firm that helps leaders in business and government navigate the increasing demands of cyber security. And, he is a founding partner of the Ridge Policy Group, a full service government affairs firm with offices in Washington, D.C. and Harrisburg, PA.Following the tragic events of September 11th, 2001, Ridge became the first assistant to the President for Homeland Security and, on January 24, 2003, became the first Secretary of the U.S. Department of Homeland Security. The creation of the country's 15th Cabinet Department marked the largest reorganization of government since the Truman administration and another call to service for the former soldier, congressman and governor of Pennsylvania. During his tenure, Ridge worked with more than 180,000-plus employees from a combined 22 agencies to create an agency that facilitated the flow of people and goods, instituted layered security at air, land and seaports, developed a unified national response and recovery plan, protected critical infrastructure, integrated new technology and improved information sharing worldwide. Ridge served as Secretary of this historic and critical endeavor until February 1, 2005.Before the events of September 11th, Ridge was twice elected governor of Pennsylvania. He served as the state's 43rd governor from 1995 to 2001. Known for his commitment to high standards and results, Ridge delivered on his promise to make Pennsylvania "a leader among states and a competitor among nations." Ridge's aggressive technology strategy helped fuel the state's advances in economic development, education, health care and the environment. Born in Pittsburgh's Steel Valley, Ridge was raised in a working-class family in veterans' public housing in Erie. He earned a scholarship to Harvard, graduating with honors in 1967. After his first year at Penn State University's Dickinson School of Law, he was drafted into the U.S. Army, where he served as an infantry staff sergeant in Vietnam, earning the “Bronze Star for Valor”, the “Combat Infantry Badge” and the “Vietnamese Cross of Gallantry”. After returning to Pennsylvania and to Dickinson, he earned his law degree and was in private practice before becoming assistant district attorney in Erie County.Ridge was elected to Congress in 1982. He was one of the first Vietnam combat veterans elected to the U.S. House of Representatives and was overwhelmingly re-elected by Pennsylvania voters five times. An engaging and dynamic speaker, Ridge regularly addresses audiences throughout the world on issues, such as security, terrorism, global engagement, leadership, technology and more. Additionally, the first U.S. secretary of Homeland Security serves on the boards of the Institute for Defense Analyses, the Center for the Study of the Presidency and Congress and other private and public entities, and serves as chairman of the U.S. Chamber of Commerce's National Security Task Force and the National Organization on Disability. Ridge continues to contribute to matters concerning our nation's veterans and, along with General Tommy Franks (Ret.), serves as national co-chairman of the Flight 93 Memorial Fundraising Campaign.Throughout his public and private sector career, Ridge has received numerous honors, including the “Woodrow Wilson Award”, the Veterans of Foreign Wars' “Dwight D. Eisenhower Award”, the John F. Kennedy “National Award”, the Ellis Island “Medal of Honor”, the American Bar Association's “John Marshall Award”, the National Guard's “Harry S. Truman Award”, the Pennsylvania Wildlife Federation's “Conservationist of the Year Award”, U.S.-Mexico Chamber of Commerce's “Good Neighbor Award”, the American Cancer Society's prestigious “National Medal of Honor”, the “Mister Rogers Award”, the “Champion of Public Television Award”, the “Intrepid Freedom Award” and the “Esperanza Leadership Award”. Ridge has also been awarded honorary degrees and awards from many national and international academic institutions.Ridge and his wife, Michele, have two children.

Ben Cutler is a senior director for small business risk-strategies at LexisNexis Risk Solutions.

Daniel W. Latimore, CFA, is the Senior Vice President of Celent’s Banking practice and is based in the firm’s Boston office. With a wide range of experience in industry and as a consultant, he brings examples from outside financial services to help banks improve their customer relationships, with a particular emphasis on the importance of technology and culture.Dan's coverage areas include the banking ecosystem, digital and omnichannel banking, and innovation. He has a passionate interest in behavioral economics and exploring why consumers and humans make the decisions they make, and what the implications are for banks.Dan has been widely quoted in the press, including the Wall Street Journal, American Banker, Boston Globe, CNBC, and CNBC Europe. He is also a frequent speaker at industry conferences and client gatherings, having addressed audiences ranging from intimate meetings with CEOs and central banks to keynote conference speeches in more than a dozen countries.Prior to Celent, Dan led research groups at Deloitte and IBM, worked in industry at Merrill Lynch (where he lived in New York, Tokyo and London) and Liberty Mutual, and was a consultant at McKinsey & Co.Dan received a Masters in Public Administration from the John F. Kennedy School of Government at Harvard, and an undergraduate degree from Dartmouth College. He holds the Chartered Financial Analyst designation from the CFA institute.

Hisham Salama currently heads Digital Payments at TD Bank Group in both Canada and the United States. In this role, Hisham is responsible for developing and implementing product strategy and delivering business results in support of payments objectives across North America for both online and mobile banking.He is also responsible for providing oversight and direction for digital wallets, digital payments, and emerging commerce product offerings that align with digital growth.Hisham brings extensive knowledge of e-commerce, specifically in online and mobile platforms within the financial services industry, to this role, including more than nine years of experience in authentication and customer protection, strategy, payments, and emerging trends. He is known for his ability to successfully innovate and design solutions that drive positive results for both customers and TD Bank. His leadership and innovation have resulted in multiple patent filings within the US and Canada.Prior to this role, Hisham held increasingly senior managerial and executive roles with TD Bank and Bank of America. Hisham was a key member of the BankAmeriDeals product development team, establishing relationships and collaborating closely with local and national merchants, along with several professional sports teams. In addition to his professional experience, Hisham holds a Bachelor of Science in Business Management, with a concentration in Finance, from North Carolina State University.

As Executive Vice President, Global Operations and Chief Technology Officer, John “David”�Thompson is responsible for building and developing the IT infrastructure to support the next�generation of payment products and services. He also is responsible for maximizing efficiency,�quality and customer delivery for the company’s global Agent network of more than 510,000�locations in 200 countries and territories. He is based in Englewood, Colo., at Western Union’s�global headquarters.Thompson has more than 20 years of experience in the high-technology industry, most recently�as Group President, Services and Support and Global CIO of Symantec Corporation. Prior to this�role, he served as Symantec’s Executive Vice President and Chief Information Officer and,�during his six years at the company, led an organization that offered expert solutions and support�in information security, technology, availability and storage.Earlier in his career, he was Senior Vice President and Chief Information Officer for Oracle�Corporation and Vice President of Services and Chief Information Officer at PeopleSoft, Inc.�Thompson is a director of CoreSite Realty Corporation.�Thompson studied at Marymount University in Arlington, Va. and American University inWashington, D.C.

Philippe is a seasoned international executive having worked most of his career in the “extended” Mobile eco-system. His career started with the emergence of the mobile technology in the early '90 where he contributed to the GSM standardization bringing the SIM technology to market.� Doing so he has developed strong knowledge of the Mobile ecosystem through 17 years at Gemplus (now Gemalto), with responsibilities ranging from R&D, Product Development all the way to Strategy.� He has since developed competences in bringing innovative technologies to market such as "Over The Air”,� SIM application Tollkit, or more recently NFC as Executive Vice President of INSIDE secure NFC Business line. Having worked for both startups and larger enterprise, he has developed an acute sense of Business to combine technology understanding with pragmatic go to market strategies. Philippe is now Senior Director of eco-system Business development at Rambus where his role consist in bridging Rambus core technology with the mobile world.

Jason Witty is Executive Vice-President and Chief Information Security Officer at U.S. Bancorp, providing singular accountability for all information security controls in the company.� An award-winning CISO, Jason was recognized as a 2015 “CISO Superhero” at I.S.E. North America; the 2014 I.S.E. North America People’s Choice Award winner; 2013 “CISO of the Year” by the Information Systems Security Association of Chicago and the Association of Information Technology Professionals; and one of Information Security Magazine’s 2013 “Security 7” representing the Financial Sector.� He is a highly rated public speaker, frequently keynoting on cyber security topics at large events including CSA Cloud Summit, Finsec, Infosec Europe, RSA Conference, SecureWorld, and others.Prior to joining U.S. Bancorp, Jason was the Senior Vice President and Cyberthreat Prevention Services Executive at Bank of America. He was responsible for a team of information security professionals spanning 8 countries who provided information security risk prevention and deterrence services, globally.� He was simultaneously accountable for all information security controls outside of the United States for Bank of America Merrill Lynch, covering 48 countries.Jason is a certified Information Systems Security Management Professional (ISSMP) who has played major leadership roles in information security throughout his career. He has 23 years of information technology experience, 21 focusing on information security risk management. Before his role at Bank of America, Jason was the First Vice-President of Security Services for LaSalle Bank N.A. He also led the internal Information Security team at The Options Clearing Corporation and served as Director of Global Security Architecture for Aon Corporation at its world-wide headquarters in Chicago. He combines strong organizational management and leadership skills with a high degree of technical knowledge, the result of hands-on information security experience early in his career at Allstate Insurance, N.A.S.A. Langley, Siemens, and Jefferson Laboratories.Over his career, Jason has been involved in 54 acquisition related network integrations, set up secure eCommerce environments, and led multiple cross-industry forums.�Providing industry leadership, he is a Board Member of the Financial Services Information Sharing and Analysis Center (FS/ISAC), a Board Advisor for ChicagoFIRST, Arbor Networks, and Qualys, and is a member of the Executive Committee of the Cloud Security Alliance (CSA.)� He is also on the Program Committee of the RSA Conference (2013-2016) and serves as FBI’s Chicago Infragard Sector Chief for Finance.� Previously, Jason was the Chicago OWASP Chapter President (2006-2010.)Jason maintains an active U.S. Government sponsored SECRET clearance.

Tom is Vice President of Marketing for Acxiom’s Marketing Services Division. In this role, Tom drives the marketing strategy and execution for Acxiom’s marketing database, email, and consulting lines of business. Tom joined Acxiom two years ago and led the Product Marketing teams for Acxiom’s new digital-focused data distribution and recognition products. He began his career working for NeXTComputer in California, and since then has worked at Netscape, Apple, Oracle and a number of Silicon Valley startups.Tom graduated with dual hardware and software engineering degrees from Princeton University, and has specialized in evangelizing, developing, and marketing various enterprise and ad tech execution engines, including rule-based decisioning, streaming data correlation, and machine learning.� Tom lives in the Bay Area with his wife and two children