Ben Ackerman, Vice President, Business Development, Firethorn, a Qualcomm company
Ben Ackerman joined Firethorn as Vice President, Business Development and oversees all aspects of the company’s business development efforts in the U.S.

Prior to Firethorn, Ackerman served as Director of Business Development for BroadSource, a leading provider of telecom expense solutions, where he managed the company’s strategic alliance development. Previously, Ackerman served as Senior Director of Air Quality Sciences, a provider of solutions to create healthy indoor environments. As part of the senior management team, Ackerman was responsible for strategy development, information technology and overseeing all aspects of the company’s operations.

Ackerman obtained his Bachelor of Science in Ceramic Engineering from Clemson University and his MBA from the MIT Sloan School of Management.

Farhan Ahmad, General Manager Prepaid & Director of Emerging Payments, Discover Network
Farhan Ahmad is the General Manager of Prepaid and Director of Emerging Payments for Discover Network, a business unit of Discover Financial Services.  In this position, he oversees all facets of Discover Network’s prepaid business including product development, sales, marketing and relationship management.  Mr. Ahmad also is responsible for developing and managing Discover Network’s strategy for emerging payments and initiatives, including contactless (RFID/NFC) payments and mobile payments and services.

Mr. Ahmad holds a Bachelor of Arts degree in economics from the University of Pennsylvania.

John Barbella, Senior Vice President, THE BANCORP BANK PAYMENT SOLUTIONS
John Barbella is Senior Vice President within the Payment Solutions Group. Based in Minneapolis, he is a veteran in the financial industry with more than 16 years of experience in the payments industry. In his role with The Bancorp Bank, Barbella is responsible for developing and driving the prepaid card business strategy for emerging markets and product development within the organization.
In recent years, Barbella has focused heavily on the prepaid card market. He has partnered with industry leaders to develop payment solutions in the prepaid arena to meet the growing needs of employers and consumers in this fledgling industry.
Prior to joining The Bancorp Bank, Barbella served in a variety of leadership positions in sales, marketing and business development with Deluxe Corporation.
Barbella holds a bachelor’s degree in real estate and a master’s degree in management from Penn State University.

Marilyn Barker, Contributing Editor, NBPCA Government Update
Ms. Barker is a member of the Financial Institutions Client Service s   Group. She focuses her practice expertise on counseling financial services companies on federal and state anti-money laundering and Bank Secrecy Act regulatory and compliance matters, including the USA PATRIOT Act amendments, as well as those involving payments system law such as stored value, prepaid cards, money transmission and other electronic payments issues.  Ms. Barker is a Certified Anti-Money Laundering Specialist (CAMS) and member of the Association of Certified Anti-Money Laundering Specialists.

Prior to joining the firm, she worked at the Department of the Treasury, Financial Crimes Enforcement Network (FinCEN). During her tenure at FinCEN, she served as a  P roject  O fficer in the Office of Regulatory Policy of the Regulatory Policy and Programs Division, and as a team leader for money services businesses and stored value issues. In that capacity, Ms. Barker provided advice, guidance and developed policy for the administration of the Bank Secrecy Act  and its  implementing  regulations .She frequently lectured to foreign delegations from Europe, Asia, Africa and Latin America on the U.S. regulation of money services businesses and informal value transfer systems from an anti-money laundering and counter-terrorism financing perspective. Ms. Barker also served as a U.S. delegate to the Financial Action Task Force, an international body that develops and promotes policies designed to combat money laundering and terrorist financing, and the Asia-Pacific Economic Cooperation’s Counter-Terrorism Financing Workshop in Melbourne, Australia.
Ms. Barker previously served as Senior Counsel for the U.S. Securities and Exchange Commission and as an attorney with the Board of Governors of the Federal Reserve System.  In her role as an attorney at the Board, she advised on civil administrative enforcement matters relating to regulatory and supervisory compliance for bank holding companies, state member banks and foreign banks.  Ms. Barker also was an associate at a Los Angeles firm, focusing on various banking, corporate and bankruptcy issues.

Mike Blandina, Chief Technology Officer, BLACKHAWK NETWORK
Mike Blandina is the Chief Technology Officer at Blackhawk Network. He is responsible for all technology vision and direction for Blackhawk and leading the day to day technology development and operations for the company.  Mike has spent the last 18 years in the credit card and prepaid industry working with companies like Citibank, American Express and First Data.

Thomas Boucher, Founding Member and Co-President,  RGCA and Senior Program Manager, Best Buy Gift Card Program
Thomas Boucher is a founding member and Co-President of the RGCA. Tom is currently the Sr. Program Manager for the Best Buy Gift card program. Tom has headed the marketing and financial responsibilities of this program for the last 4 years that includes over 1000 BBY US based locations. 3rd party programs, B2B and BBY.COM.

Tom has been with BBY for over 8 years. He spent 2 years as merchant in the Movies category, 2 years as a project manager for key POS systems and the last 4 years with the Gift Card Program. He graduated from the University of North Dakota (Minot) with Degrees in Marketing and Management. Prior to Best Buy, he worked for Herberger’s for almost 10 years holding various merchant roles.

Lori Breitzke, CEO, E&S Consulting, LLC
Lori Breitzke is an expert in merchant acquiring, point-of-sale and prepaid card issuing of gift, payroll and general purpose reloadable cards.  Her diverse background includes several leading transaction processing companies such as VeriFone, Ingenico, RBS Lynk and First Data. Lori’s expertise includes marketing & communications, web layout design, competitive research, prepaid program management, POS product management and partner recommendations.  Lori is a frequent trade show and conference speaker and contributes to a number of industry publications.   Lori is the vice-chair of the ETA Education Committee, a member of the Green Sheet Prepaid and Prepaid Press Advisory Boards and participating member of the ATMIA Electronic Payments Forum.  Lori serves as an associate of The Strawhecker Group and owns her own consulting firm, E&S Consulting, LLC.

Jason Brooks, Vice President, Emerging Prepaid Products, MetaPayment Systems
Jason Brooks is Vice President of Prepaid Product Development for Payment Systems.   Jason has been active in prepaid since 2002 when he launched a payroll card company which was sold to ITC Financial Services (now part of InComm).  He has wide ranging experience in retail delivery of financial services including gift, GPR, remittance and bill payment as well as specialty applications.  Jason served as a Business Development Peace Corps Volunteer in Uzbekistan from 1997-1999.

Scott Burslem, Other Income Manager, TravelCenters of America
Scott is the Other Income Manager for TravelCenters of America.  He currently manages many categories that include ATMs, game rooms, laundry rooms, and prepaid products.  He has been managing prepaid programs for over five years.  He has an undergraduate degree in accounting as well as a MBA.  He has an accounting background and transitioned to operations 6 years ago.  TA’s travel centers operate under the “TravelCenters of America”, “TA” and “Petro” brand names and offer diesel and gasoline fueling services, restaurants, truck repair facilities, stores and other services. TA’s nationwide business includes travel centers located in 41 U.S. states and Canada.

Alpesh Chokshi, President, Global Prepaid American Express Company
Alpesh Chokshi is President of the Global Prepaid business. In this role, Mr. Chokshi is responsible for all prepaid products, and is leading the reinvention of the prepaid business, including the Company’s expansion into international markets.   

Global Prepaid includes the 118 year-old American Express Travelers Cheques business, the world’s oldest and most popular prepaid product, and the American Express Gift Card.  In 2008, the Gift Card franchise continued its successful growth trajectory, with record sales in excess of $1 billion. American Express is the world’s largest issuer of open-loop prepaid gift cards.

Mr. Chokshi is also responsible for the American Express relationship with American Express Incentive Services, a joint venture between American Express and Maritz Inc. AEIS is a leader in the prepaid corporate incentives market.  

As a member of the American Express Global Management Team, Mr. Chokshi plays an active role in shaping the Company’s overall strategic direction.   

Miguel Cintron. Vice President, Head of Prepaid Product Management, Latin America and the Caribbean, MasterCard Worldwide
Miguel works with issuers, processors and program managers to enhance infrastructure capabilities that support prepaid programs. Miguel previously worked in the Debit and Prepaid division of Bank of America as Senior Vice President and member of the Debit leadership team. He earned a B.S. from the US Naval Academy (Annapolis) and an MBA from the University of Massachusetts, Amherst.

Daniel Cohen, Director, Healthcare Solutions, MasterCard Worldwide
Daniel Cohen is part of The Healthcare Solutions team at MasterCard Worldwide.  In this role, he leads initiatives to address the payment needs of different healthcare markets around the world and works with financial institutions, health plans, third parties and technology providers to develop solutions and strategies for the industry.

Mr. Cohen holds an MA from Columbia University and a BA from The University of Wisconsin-Madison. 

Tim Coltrell, Chief Executive Officer, AccountNow
The visionary leader of AccountNow with more than 22 years of financial services industry experience, Tim Coltrell has served as the Company’s CEO since its inception in 2004. During his tenure, Tim raised three rounds of capital totaling $21 million, while establishing the company as one of the premier providers of financial services to good people who have been turned away by traditional banking institutions.
Prior to starting AccountNow, Tim was one of the founders of the online credit card pioneer, NextCard. Serving as Chief Operations Officer, Tim scaled operations to support company growth from start-up to over 1,200 employees in three years.
Tim also was President and CEO of GE Capital Consumer Card Company, where he headed operations for Consumer Financial Services, a credit card division of GE Capital. Prior to joining GE, Tim held numerous roles across the operations group at Providian. He began his career at Citicorp as a manager of a collections group.
Tim has a BA in Social Ecology and an MBA with an emphasis in Technology and Entrepreneurship from the University of California, Irvine.

Mick Conlin, Senior Vice President, Agent Products, MetaPayment Systems
Mick Conlin, senior vice president, Agent Products, manages payment solutions targeting financial institutions, including the Simplexus^TM suite of products. He has more than 20 years of experience in the financial services industry, focusing on the prepaid industry since 1999. Conlin joined Meta in 2004 from Bank One/Chase. He previously served in numerous banking, card industry and sales-related capacities. Conlin has appeared in numerous trade publications and has spoken at a number of prepaid industry gatherings.

Elisa Corridore, Vice President, Global Product Development, MasterCard Worldwide
Elisa Corridore is Vice President, Global Product Development, at MasterCard Worldwide, responsible for managing and developing commercial prepaid card applications. Elisa has over 25 years of experience in B2B product development, account management and sales in financial services and telecommunications. She has worked extensively with such companies as IBM, Xerox, Kodak, Citibank and Viacom in the design, development and application of systems and programs. She earned an MBA from the University of Rochester, Simon School.

Tony Craddock, CEO and Founder, Giftex Prepay
Tony Craddock is the CEO and Founder of Giftex Prepay, the world’s only independent provider of intelligence in gift and prepay cards.
Tony holds a Management Science Degree from UMIST, UK, and is known for helping companies across Europe to make more money from customers. These have included banks, mobile telcos, pre-paid card distributors, media companies and retailers. Tony's experience has embraced customer magazines, direct marketing, customer loyalty, and customer relationship management. Giftex Prepay is his fifth business.
Tony has had years of experience in the gift and prepay industry and is the leading expert outside the US in gift and stored value and has a broad network of contacts around the world. His vision for gift and prepay cards is that they not only generate significant incremental margin for retailers, but also supplement and then replace traditional loyalty card programmes, becoming a centrepiece in retailers’ sales and marketing strategies.

Paul Daffin, Executive Vice President & CIO. TSYS Prepaid Services
Mr. Daffin brings more than 12 years of Information Technology experience across multiple platforms and disciplines to the TSYS leadership team. Prior to overseeing the TSYS Prepaid Services operations team, Mr. Daffin served as Executive Vice President and Chief Information Officer for TSYS Loyalty and Interim Group Executive and Senior Director for TSYS iSolutions. In a continued effort by TSYS to centralize its lines of business and operations, Mr. Daffin will expand his role as EVP to manage the loyalty and prepaid operations units. His strong background in enterprise systems, and his expertise in strategic business development, will help lead the technical innovation and management efforts at TSYS. Mr. Daffin will continue to work closely with clients to deliver the best functionality with unwavering quality. His responsibilities are focused in the areas of platform delivery enhancement, operational management and business and IT strategy.

James Dean, VP, Robert E. Nolan Company

Jim Dean is a Vice President of the Robert E. Nolan Company and a member of the firm's Executive team. Jim has focused his career in the insurance, healthcare and banking industries, domestically and internationally. Jim provides industry level thought leadership, through papers and speaking, in such areas as Business and IT Strategy Development, Program and Project Management, Advanced Underwriting Solutions and Consumer-directed healthcare.

Sandra Derby, Vice President and COO, VERITIES INC.
Sandra Derby brings over 13 years of experience in the Sales and Marketing arena to Verities. Most recently, Ms. Derby was Vice President of Sales and Marketing for Los Angeles-based JMS Consulting Group. At JMS Sandra and her marketing team created the branding, marketing and sales strategy for their clients, including several startup companies.

A founding principal of Verities, Sandra is the spearhead for growth and direction of the company. She understands that working with large associations requires more than just an understanding of product development and roll out, it requires exceptional relational management skills. Ms. Derby’s role goes beyond an understanding of market trends, consumer focus, and forecasting — she excels in creating client excitement and managing client expectations.  This combination is crucial to the success of Verities’ large programs. 

Stephen Diamond, Vice President, Client Account Management, i2c Inc.
Stephen Diamond has 30 years of experience in the payments industry, with eight years of prepaid experience and a deep background in business and product development, strategic marketing, and risk management. Stephen was a leader in the development of the prepaid category in the U.S. as a senior business leader of prepaid products at Visa Inc. Among his many accomplishments during his 12-year tenure at Visa, Stephen launched the Visa teen and gift card products, expanded gift-card distribution to more than 120,000 branch and retail locations, worked with financial institutions to develop product concepts and service offerings, with one idea resulting in the Visa Buxx card, and managed the personalized Visa Rewards program.

Neil Dugan, Vice President, Prepaid Product, Americas, MasterCard Worldwide
Neil is responsible for leading MasterCard's prepaid activities across the Americas. He oversees the local alignment of prepaid product development, product management and implementation strategy within the region. An experienced business manager, Neil has over 20 years of experience in financial services, most recently as a Product Executive at JPMorganChase managing its public sector prepaid card business. Previously, Neil managed a prepaid product development team at Citigroup.

Brian Dunne MBA, ACMA, FHCIMA, Managing Director, Action Solutions
Brian Dunne is Managing Director of Action Solutions; one of the UK’s leading stored value and gifting consultancies.

Brian is Chartered Management Accountant, and a Master of Business Administration (MBA). Brian has worked with many organisations including large national and international companies such as Boots, Target, Asda and The Trafford Centre, helping them understand the complexity of the gift card market and evaluate the potential incremental sales to their business, typically resulting in an informed and strategic entrance into the market giving phenomenal returns. Brian has helped many organisations, such as Starbucks, to successfully enter the market on many different levels from advising on the most relevant open loop schemes to developing companies own gift card product to developing the full UK infrastructure for the Post Office Ltd’s voucher and gift card range.

As a veteran and a well known figure in the industry, Brian has spoken at many events both in the UK and the States most recently at the Prepaid Conference and Expo. In addition to success with Action Solutions, Brian has a wealth of experience gained in the restaurant and hotel industry as a Director with Whitbread, most recently Managing Director of Whitbread Leisure Vouchers. A business that at is peak turned over in excess of £21.5 million and delivered £5.8 million in incremental profit to Whitbread PLC.

Brian is also a fellow of the Institute of Hospitality providing him with key insights into the restaurant and hospitality industry and his experience has given him the opportunity to build an unrivalled and extensive network of contacts and channels in this market.

Vicente Echeveste, Head of Consumer Products, Latin America and the Caribbean Region, Visa Inc.
Vicente Echeveste is head of consumer products for Visa Inc., Latin America and the Caribbean Region (LAC), responsible for leading this business unit since 2003.

Vicente Echeveste joined Visa in 2000, as vice president of Deposit Access products.

Before joining Visa, he worked in the banking industry in Banco Internacional S.A., presently known as HSBC Mexico, where he was responsible for product development and marketing, as well as technology and operations for credit and debit cards.

Previously, Mr. Echeveste worked in the retail industry in Comercial Mexicana, where he was responsible in processes, promotions and treasury. He began his professional career in the manufacturing sector, mainly overseeing logistics and process engineering.

Vicente Echeveste counts for more than 20 years of experience and graduated as an industrial engineer from Tec de Monterrey University. He obtained a master of business administration from the Instituto Panamericano de Alta Direccion in Mexico. 

R. David Fehrman, Vice President, Sales & Marketing, MT&L Card Products & Fulfillment Services
R. David Fehrman has been with MT&L since 2002 and is responsible for direct sales, sales development, marketing, promotional programs, and partnering alliances. With nineteen years experience in the prepaid industry, Fehrman focuses on developing products and marketing programs for clients to increase sales and retain customers.

Prior to working with MT&L, Fehrman spent three years as President, RDF Consulting, serving clients in the prepaid industry, and ten years as Vice President, Sales & Marketing, Prepaid Fulfillment Services Group, for Standard Register Company. He also held positions as Director of Secure Documents, New York Regional Sales Manager, and District Sales Manager in Cincinnati for Standard Register.

Fehrman has served on the Board of Directors for Xplor International, helping to develop security features for secure documents and gift cards. He holds a bachelor’s degree in accounting/finance from the University of Akron.

Paulo Frossard, Executive Director, CBSS (Companhia Brasileira de Soluções e Serviços)
Paulo Frossard is an Executive Director of CBSS(Companhia Brasileira de Soluções e Serviços), Issuer of Visa Vale pre-paid vouchers cards in Brazil. He is responsible for the Sales, Marketing and Product business units. He brings over 18 years of financial services experience to the company. Previously, Frossard served as Vice President for Regional Key Accounts to Latin America at MasterCard, managing all the relationship with important key accounts, as Banco Itaú and Caixa Economica Federal. At MasterCard, Frossard was also responsible for the Debit strategy. Prior to joining MasterCard, at GE Capital, Frossard managed the private label portfolio migration to credit card. Previously, Frossard served as an Executive of Bank Boston, at the Credit Card business Unit and also at the Retail Banking business unit, where he managed some Products and Services, as the Visa Travel Money pre-paid card.

Frossard was graduated from Universidade Mackenzie as a Civil Engineer. Pos graduated from Fundação Getulio Vargas (FGV) at Marketing and Finance, and an MBA in Marketing for Services at Universidade de São Paulo (USP)

John Goodale, Director, Card Management Solutions, TSYS Europe
John Goodale is Director, Card Management Solutions with TSYS Europe, including the responsibility for prepaid business expansion. He has a strong background in payment cards across both banking and retail sectors. Within prepaid John was involved in the European electronic purse programs in the mid-nineties and also the development of mass transit contactless electronic ticketing.

On joining TSYS in 2002, John brought the TSYS retail gift card proposition into Europe and quickly followed this up with the development of TSYS Europe's network branded prepaid cards capability. In working with some of the largest prepaid programmes across Europe, Asia and North America, John has gained an invaluable insight into how the experiences from each of these markets can be applied for the benefit of issuers across the world.

Prior to joining TSYS John's career was in management consulting, most recently with KPMG and before that with DMR.

John is a Director of the Prepaid International Forum working as a member of the steering committee and chair of the Business Models Working Group.

David Gribble, Director Of Operations, ADP Totalpay Card
David brings to his role over 18 years of experience with ADP. During his tenure, David has held leadership positions in application and product development for several of ADP's core products including Tax Processing, Unemployment Compensation and web-based security and file management systems. In addition, as Director of Product Development, David oversaw the development and deployment of ADP’s client self-service payroll debit card web site totalpaycard.adp.com.

David is now responsible for operational oversight of ADP's TotalPay Card product, a Visa-branded prepaid debit card that is an integral part of ADP’s payroll solutions. With TotalPay Card, an employee’s pay is automatically available on the card every payday. The TotalPay Card can be used at 23 million places where Visa debit is accepted and at over 700,000 ATMs.

Janet Guthrie, Vice President, Healthcare Solutions, MasterCard Worldwide
Janet Guthrie is vice president, Healthcare Solutions, at MasterCard Worldwide. She drives MasterCard’s U.S. Region strategy and business plans to address the payment needs of the healthcare market. Janet leads the business development team in their efforts to identify, evaluate and manage new opportunities and introduce viable solutions to the healthcare market. With more than 15 years of experience in the payments industry, Janet also developed payment product solutions for WageWorks and managed the Financial Institution Relations team for Brodia.

Cherie  Hamblin, Co-Chair, NBPCA Government Relations Working Group, Chief Compliance Officer, Payoneer, Inc.
Cherie Hamblin is Chief Compliance Officer at Payoneer, Inc, a New York-based company that provides global payout solutions using prepaid MasterCard® cards. She oversees risk and compliance efforts related to state, federal and international regulatory requirements and card network rules. Previously, she was Chief Compliance Officer for  the prepaid card-based remittance company, iKobo, Inc, and was a key member of the management team of Clarity Payment Solutions, Inc., a leader in prepaid payments processing that was acquired by TSYS (NYSE: TSS). She also served as Compliance Officer for the successor company, TSYS Prepaid, Inc.
Cherie is a Certified Anti-Money Laundering Specialist (CAMS) and serves as Co-Chair of the Government Relations Working Group of the Network Branded Prepaid Card Association (NBPCA), a nonprofit, trade organization for the advancement of prepaid cards. She is a frequent speaker on risk and compliance matters. She received her bachelor's degree from New York University in international politics and is fluent in several languages.

Stefan Happ, VP, General Manager Prepaid Cards, AMERICAN EXPRESS
AS General Manager, Stefan has overall responsibility for the American Express US Prepaid business.
Since joining American Express in 1997, Stefan has held a variety of positions in card operations, reengineering, corporate services product development, marketing, and general management.
Most recently, while based in London, he was responsible for the Travelers Cheque and Prepaid Services business in Europe.  As a result of his track record of developing successful, innovative partnerships and business models, he was appointed to his current position in 2006.

Ryan Harris, SVP Business Development, THE BANCORP BANK
Ryan Harris is the Senior Vice President of Business Development within the Payment Solutions Group. He is responsible for developing new business relationships with prepaid card marketers/program managers, processors and other strategic partners in the prepaid card marketplace.
Harris began his career with The Bancorp Bank within the Credit Card Operations division in early 1999 and moved to the Payment Solutions Group division in March 2003. Prior to joining The Bancorp Bank, Harris worked for Citibank in their credit card division.
Harris holds a bachelor’s degree in business administration from the University of Sioux Falls

Martin Hood, Vice President, Partnership Sales, American Express Incentive Services
As vice president, partnership sales, Martin Hood is responsible for the strategy and new business development of both the reseller group and AEIS parent, American Express. The reseller group focuses on serving a range of distribution partners in the performance improvement, promotional, financial services, advertising and loyalty sectors. AEIS serves American Express as a direct customer, as well as a provider of value added solutions and services for its own corporate and consumer incentives.

Prior to his current position, Hood launched AEIS' consumer promotions group where he was responsible for the overall strategic direction and planning for the organization's entry into the consumer promotion market. Concentrating on rebate and loyalty programs, Hood led the team to target brands and original equipment manufacturers directly, in addition to working with agencies. Hood also established and led AEIS' merchant partnership and channel sales teams that acquired and managed a network of over 200 merchant and 80 authorized distributor accounts.

Hood came to AEIS from American Express, where he began his career as a territory manager in Cincinnati, later rising to account executive and senior manager in New York City, and ultimately director for new business partnerships for American Express Establishment Services. While there, Hood signed 35 national merchant partnerships that resulted in incremental charge volume totaling more than $1 billion and developed notable partnerships with Wal-Mart, Sprint PCS, Elder Beerman Department Stores and Bob Evans Restaurants.

Daniel Horne, Professor, Providence College
Known as the Gift Card Guru, Dan Horne is the worldʼs leading expert on consumer purchase and use of gift cards, an area he has studied since 1992.  Horne is an Associate Professor in the Department of Marketing at Providence College in Rhode Island, USA, where he teaches Consumer Behavior and is research coordinator for the School of Business. Horne holds an undergraduate degree in International Economics and a Ph.D. in Marketing from the University of Michigan.  His doctoral dissertation on consumersʼ choice processes in the selection of gifts was published in 1993.
Following his doctoral work, he began a series of large-scale research projects investigating the consumer purchase and usage of gift certificates and cards as well as the role these products play as rewards, incentives, and promotions. His work has been published in both academic and practitioner journals and in 2005 he co-authored with Tony Craddock, the European Guide to Gift and Stored Value.  In addition, his ongoing industry research reports are published regularly in Giftex Prepayʼs Global Prepay Intelligence.

For the last fifteen years he has worked as a researcher, analyst and advisor on gift certificates/cards for retailers, financial services companies and suppliers in North America, Europe and Australasia. He provides expert commentary on retailer performance to the financial markets, and to the print and electronic media.  He has served as an adviser to governmental authorities in the US and Canada on issues surrounding the sale and purchase of gift cards. He is a member of the Board of Directors of IncentOne and a Non-Executive Director of Giftex Ltd.

Scott Johnson, Vice President, Account Management, GALILEO
Mr. Johnson has over 14 years experience in the financial services industry. Prior to joining Galileo, Mr. Johnson was responsible for the launch of prepaid products at GE Consumer Finance. Previously, Mr. Johnson served as a Senior Product Manager at a wholly owned subsidiary of Sybase, a leading enterprise class internet software banking provider and as a Product Marketing Manager at American Express.

John Keatley, Chief Financial Officer, GREEN DOT CORPORATION
John Keatley, Chief Financial Officer at Green Dot Corporation, directs and oversees the finance, accounting, risk management and human resources functions.  Prior to joining Green Dot, he was a consultant with McKinsey & Company focusing on financial institutions and corporate finance clients in Los Angeles and Hong Kong.  Before McKinsey, he helped launch an Internet-based educational services company.  John has an MBA from Harvard and a bachelor’s degree in Physics from Princeton.

Laura Kelly, Senior Vice President, Global Prepaid & Debit Product Solutions, MasterCard Worldwide
Laura Kelly is Senior Vice President, Global Prepaid & Debit Product Solutions, at MasterCard Worldwide. She leads efforts to develop and deliver prepaid MasterCard program solutions to the global marketplace. With direct oversight of the MasterCard prepaid business operations, Laura is responsible for ensuring that MasterCard, its customer financial institutions and partners, succeed and benefit from prepaid program innovation and growth. She holds a bachelor's degree from Samford University and an MBA from Auburn University.

Matt Kerper, VP, Rewards Strategy & Innovation, Parago, Inc.
Matthew Kerper is responsible for driving and expanding the Company's full-service suite of Reward offerings including closed loop and network branded prepaid solutions, business development strategy and designing programs that deliver turn-key rebate and incentive solutions to clients. With more than ten years in the prepaid market, Kerper is a recognized speaker within the industry and brings first-hand experience in the progress, deployment and administration of major network branded prepaid programs.

Carol has an extensive background in organizational "people issues." She's published over 250 articles in the fields of organizational change, leadership, communication, the multi-generational work force, collaboration, employee engagement, and body language at work. An upbeat and entertaining guest, Carol has been featured on radio and television shows including, NPR's Marketplace, CNN's Business Unusual, ZDTV's Silicon Spin, CBS's "The View From the Bay," and the NBC Nightly News.

Carol has served as adjunct faculty at John F. Kennedy University in the International MBA program, at U.C. Berkeley in the Executive Education Department, and for the Chamber of Commerce of the United States at their Institutes for Organization Management. She has authored ten books, including "This Isn't the Company I Joined: How to Lead in a Business Turned Upside Down," "Ghost Story," a business fable about the power of knowledge sharing, and (her latest), "THE NONVERBAL ADVANTAGE: Secrets and Science of Body Language at Work."

Steve Langhans, Vice President, Product Management, Fidelity National Information Services
At FIS, Steve Langhans is vice president responsible for product management and product development for the Prepaid division.  FIS Prepaid provides end-to-end prepaid card issuing processing/outsourcing for financial institutions and program managers.  Steve is a veteran of the prepaid card industry, starting in 2000 at WildCard Systems and continuing at eFunds, which was acquired by FIS in 2007.

Steve’s 20+ year background in payments extends beyond prepaid to commercial payment cards and consumer credit cards.  Prior to FIS, Steve was Vice President of Commercial Card Products for Visa International, and Vice President of Product Development for consumer credit cards for Bank of America.

Steve holds a Masters in Management Science from MIT, and a Bachelors of Arts in Economics from Swarthmore College.

Terry Maher, General Counsel, NBPCA
Terry Maher is a partner with the Omaha, Nebraska law firm Baird Holm LLP. For the past 24 years, Terry has counseled financial institutions and other financial services businesses with respect to their electronic banking, electronic fund transfer, credit card, debit card and prepaid card businesses. He assists financial services clients in addressing regulatory matters, including privacy and security issues, anti-money laundering compliance programs, and money service business licensing issues. Terry also serves as the general counsel to the Network Branded Prepaid Card Association, a nonprofit, inter-industry trade association that supports the growth and success of network branded prepaid cards.

Eric McIlwain, Vice President, Global Prepaid Product, MasterCard Worldwide
Eric oversees product management and service delivery for MasterCard prepaid products and services. He has been actively involved in the prepaid industry since 1997, when he joined Performance Systems Group, a prepaid program management company based in Atlanta, Ga., focusing on incentive and promotional programs. In 1999, Eric joined ClaimCard, Inc., which became WilldCard Systems Inc., a leading provider of prepaid processing services.

Cy Moore, Vice President of Client Solutions, Parago, Inc.
Cy Moore is the Vice President of Client Solutions for Parago, Inc. In his role, Moore is responsible for developing customized, unique solutions that incorporate promotions and incentives platforms to best meet Parago’s existing and prospective clients’ needs. Moore joined Parago in 2008 and brings over 20 years of experience in the design, development, implementation and management of strategic marketing services programs for Fortune and Global 1000 companies worldwide. He brings industry thought leadership and overall best practice insights in an effort to create more integrated solutions to maximize investment and ROI for clients. Moore invested more than 20 years with Carlson Marketing Worldwide where he started in new business development and held leadership positions in yield management, marketing, client services and product packaging strategy developing integrated solutions.

Mark R. O’Leary, Senior Vice President of Business Development, TSYS Healthcare
Mark O’Leary is Senior Vice President of Business Development for TSYS Healthcare.  In this role he is responsible for Sales, Marketing, and Corporate Development for this new division of TSYS.  TSYS Healthcare delivers world class solutions to solve the evolving healthcare payment and account management needs of Banks, TPAs, Payers, Employers, and Consumers.  TSYS (NYSE: TSS) is one of the world’s largest payment-services companies offering a broad range of issuing and acquiring payments technologies including consumer-finance, credit, debit, prepaid, loyalty, healthcare and other related services.

Prior to joining TSYS, Mr. O’Leary held executive and leadership positions at Wolters Kluwer Financial Services, United Healthgroup / Exante Financial Services, US Bank, Lawson Software and the Deluxe Corporation. He was most recently a Managing Director with Cherry Tree Securities, an investment bank and venture capital firm based in Minneapolis.  Mr. O’Leary is also an active board member for several non-profit organizations addressing poverty and healthcare delivery.  He holds degrees from the University of St. Thomas and an MBA from Creighton University.

Jon Palmer, President and CEO, FSV Payment Systems, Inc.
Jon Palmer was named President and CEO of Houston-based FSV Payment Systems in late 2005.  Under his leadership, the company has more than doubled revenue and expanded operations to include an in-house customer contact center in Jacksonville, FL. 
A seasoned senior executive, Jon came to FSV with over 35 years in banking and payment processing.  Prior to joining FSV, Jon served as President and CEO of Vital Processing Services, a joint venture between TSYS and Visa USA, for 5 years. During that time Vital more than doubled its revenue and profit and grew to achieve a near 25% share of the country's merchant POS electronic transaction volume. Additionally, Jon rose to Vice Chairman while at Fidelity Bank in Philadelphia and served as Chief Retail Banking and Technology Executive with Barnett bank in Jacksonville, FL. 
Jon is currently a member of the Board of Directors of the Network Branded Prepaid Card Association and has served as Chairman of the Board for the HONOR ATM Network.
A native of Philadelphia, Jon attended school there earning a BS in Applied Mathematics at LaSalle College and an MBA at the Wharton School of Business.

Anabel Perez, President and CEO, NovoPayment, Inc.
Anabel Perez is president and CEO of NovoPayment, Inc., Latin America’s leading prepaid program manager and service provider. Headquartered in Miami, FL, the four-year old company finished 2008 with more than 960,000 active prepaid cards representing $600 million in transactions. A winner of the 2008 Paybefore Award for Best In Category for general purpose spending card, Novopayment launched the first prepaid general-purpose card of its kind in Latin America to not require a bank account, and is the first company in the region to offer mobile P2P (peer-to-peer) funds transfer platform using SMS (short-message service).

As NovoPayment’s top executive, Ms. Perez oversees the development and operation of end-to-end prepaid programs in partnership with financial institutions, mobile operators, utilities, government agencies, retailers, microlenders, and consumer goods and services companies.
Ms. Perez has 21 years of experience in banking and payments including commercial and retail banking, product development, operations, and sales and marketing.  Most recently she served as senior vice president of Venezolano de Credito, a leading Venezuelan financial institution, where she has held various leadership positions.

Ms. Perez has participated in several important industry forums, including the Harvard Business School’s Global Poverty Forum (2005), the MasterCard Worldwide Forum on Prepaid Cards (2007), and the Federal Reserve Bank of Venezuela’s Forum on Banking and Payments Systems (2007). In 2008, she received the International Business Leaders Award from the Greater Miami Chamber of Commerce in the category of innovations/innovative business practices and was a finalist in the Best Latin American Executive category at the 5th Annual Stevie Awards for Women In Business. In 2007 she was nominated for the prestigious Cartier Women’s Initiative Award and the Bravo Business Award.
Ms. Perez holds a law degree from Venezuela’s Universidad Católica Andrés Bello and has received certifications from IESA (Venezuela’s leading business school) in marketing and from the Bank of America’s executive management and retail banking programs.

Chris Reddish, Chair, Prepaid International Forum
Chris Reddish was elected Chair of the Prepaid International Forum in March 2008. Prepaid International Forum (PIF) is a not-for-profit trade association established to represent all parties participating on a commercial basis in the prepaid economy. 
It is dedicated to the progression of prepaid commerce around the world and acts as principal point of liaison between the prepaid economy and government agencies, regulators, consumer bodies and the media. It is focused on the entire prepaid world and facilitates the development of cross- industry guidelines and codes of practice.

Previously Chris was responsible for MasterCard Europe’s PrePaid activities in Europe. As such, he headed up the Prepaid cross-functional team, covering 53 country markets across the Europe region. He was responsible for the regional alignment of MasterCard’s Prepaid development, product management and implementation strategy within the region.

Previously Chris was Chief Operating Officer and Managing Director for PrePay Technologies Limited, an international market leader in the design and delivery of innovative prepaid solutions and Chris held a number of senior roles within organizations such as Dresdner Kleinwort Wasserstein, Petroleum Geo-Services and various UK Government departments, which included international operations and project planning.

Chris’s interests include mountaineering, motor and water sports.

Tim Riley, Director, Business Development, Firethorn, a Qualcomm Company
Tim Riley currently serves as Director of Business Development for Firethorn, a Qualcomm company.  In this role, Riley is responsible for partner development, retail sales efforts and the overall execution of mobile commerce business plan for Firethorn’s Retail and Merchant Services division.  Prior to joining Firethorn, Riley served Senior Vice President and General Manager of BSG Clearing Solutions where he oversaw the launch of the company’s ecommerce payment platform.  Before joining BSG, Riley worked for eight years at Motorola where he had progressive business development and sales management roles.  Riley holds an MBA from Kellstadt Graduate School of Business at DePaul University.

Judith Rinearson, Partner, Bryan Cave LLP and Chair, NBPCA GOVERNMENT RELATIONS WORKING GROUP
Judith Rinearson is an attorney who is a recognized authority in the laws of prepaid cards and stored value payment products.  As a Partner at the global law firm Bryan Cave LLP, Judith advises a range of clients (including banks, program managers, non-banks, retailers and processors) in all legal aspects of launching and managing a range of prepaid products, such as retailer gift cards, bank-issued general purpose cards and gift cards, payroll cards, reward and incentive cards, as well as bill payment services, internet, mobile and contactless payment products.  Formerly Group Counsel for American Express prepaid products, Judith helped launch some of the first open system prepaid cards issued in the US.  She has spoken numerous times about prepaid cards and electronic payments and has been widely published in this area.  She currently chairs the Government Relations Working Group for the Network Branded Prepaid Card Association, and the Payment Card Fraud Task Force for the American Bar Associations’ Cyberspace Law Committee.  Judith's many contributions to the prepaid card industry were recognized when she was presented with the Prepaid Card Industry Achievement Award at the 2008 Prepaid Expo.   Based in Bryan Cave’s New York office, Judith’s email address is judith.rinearson@bryancave.com

Carlos Rodriguez, President, Blackstone
Blackstone’s President Carlos Rodriguez holds more than 22 years of professional experience both in Marketing and Operations. He began his career at one of the leading Hispanic Marketing Research Company’s in the country where he directed various projects. These projects include the managing of over 300 research personnel throughout the nation for clients such as Coca-Cola, AT&T, Univision, Telemundo, and Procter and Gamble. He then transitioned from research to advertising, working in the field for two years. This shift ultimately led to the opening of his own marketing and design firm, where he successfully acquired nationally recognized accounts including Blackstone.

Mr. Rodriguez currently oversees all aspects of operation, research and development for future projects. During his 10 years with Blackstone, he has implemented the development and launching of successful Blackstone kiosk units, including the Blackstone Portal and Touch-n-Buy. His experience and familiarity with the industry has allowed him to speak at nationally recognized industry conferences such as National Association of Convenience Stores (NACS), Intele-Card Expo (ICE) and Electronic Transaction Association (ETA) along with contributions to countless topic articles in industry publications.

Janet Sancho, Senior Vice President , Blackstone                     
With nine years of tenure at Blackstone and eleven years of experience in the prepaid industry, Ms. Sancho heads the national sales and business development efforts for Blackstone, a leading distributor of prepaid products and services for over 12,000 merchant locations nationwide.  In addition, Ms. Sancho oversees Blackstone’s payment processing division, Blackstone Merchant Services, who serves an additional 2,000 merchants with their processing needs.

Kay Segal, Vice President, CSP Information Group
With more than 25 years of experience in foodservice and c-store industry positions, Kay Segal developed extensive insight into the many intricacies of the convenience, retail petroleum and foodservice business arenas.  Before joining forces with CSP in July of 1996, Segal worked with The Circle K Company (now owned by Couche-tard) in Phoenix, Arizona and handled non-traditional c-store foodservice category management, franchise brand negotiations and program tests as well as proprietary brand development of a daily delivery commissary program.  In Segal’s current role as vice president with CSP, she creates strategy and programming related to providing innovative communication solutions for suppliers operators that results in business growth.

Mark Simon, CEO, Tuxedo Money Solutions
Mark Simon served as CEO of Tuxedo Money Solutions from May 2007 through September 2008 during which period the company emerged as the fastest-growing UK program manager through dedicated partnerships with corporate and co-brand partners, including the massively successful launch of The Sun-Tuxedo Prepaid MasterCard.  Prior to joining Tuxedo, his career combined increasingly senior roles in IBM in Europe and the United States before two five-year entrepreneurial stretches running a capital markets technology business (in New York) and a health care imaging start-up (in London).  He is now actively seeking his next challenge and can be reached through LinkedIn or at mark@simonfamily.org.uk

Tim Sloane, VP Client Services / Director, Prepaid Advisory Service, Mercator Advisory Group
Tim Sloane is the Director of Mercator Advisory Group’s Prepaid Advisory Service. In this role he advises members throughout the year on business strategy, go-to-market models and program execution of open loop and closed loop solutions.  Tim has performed the annual Mercator Advisory Group Prepaid Benchmark five years running, research that measures the current size and opportunity of 33 prepaid market segments and is used by all of the leading processors and networks to evaluate market direction and market share.  Tim’s project and consulting experiences have included expert witness testimony related to a major mall-based prepaid card program, the optimization of a major processor rollout strategy, and Tim has Developed strategic market assessments and business case analysis for a variety of processors and issuers concerning new markets and the platform capabilities needed to address those markets.  He is frequently quoted in leading industry publications and as indicated by his presence here.

Ozzie Smith, Keynote Speaker, formerly with the St. Louis Cardinals
Ozzie Smith is known in baseball as “The Wizard” and the best defensive shortstop of all time. He was inducted into the baseball Hall of Fame in 2002. Ozzie retired from baseball in 1996 after playing 19 years in the major leagues, the first four years with the San Diego Padres and the final fifteen with the St. Louis Cardinals. His nickname describes the way he played shortstop—he performed magic with his glove and performed in the infield with amazing acrobatic agility.

Ozzie’s charitable endeavors almost always benefit children, and he has spent countless hours assisting various charities such as Multiple Sclerosis, The variety Club, Ronald McDonald House, Annie Malone Children’s Home, The boys Club of St. Louis, and Kids in the Middle. Ozzie has three children and makes St. Louis his home because he feels a deep responsibility to give back to the community that has so enriched his life.

Frank Squilla, Senior Vice President of Sales, INCOMM
Frank Squilla is currently the Senior Vice President of Sales at InComm.  Frank was introduced to the prepaid phone card industry as Sr. Lending Manager with Allied Mortgage Group when he became a customer of the AmeriVox phone card. In March 1993, Frank became a part-time representative for World Telecom Group Inc. Within 18 months Frank was out of the mortgage business and was named as Business Philadelphia Magazine's "Top 100 People to Watch" in the Pre-Paid Phone Card Industry.

Frank joined GTS Prepaid as its National Sales Director in September of 2001 with many years of Telecom and Pre-Paid experience. While at GTS, Frank managed sales growth in excess of 400%.  GTS was acquired by Pre Solutions in 2004.  At that time, Frank joined InComm as VP for Convenience and Grocery Distribution and has since added the Discount Channel and Indirect Distribution.  In addition to his sales responsibilities, Frank is a sought after speaker in the prepaid industry and speaks at many industry events.  InComm is the largest of the prepaid distributors with customers such as Wal-Mart, Best Buy, Target, CVS, Dollar General, Family Dollar,7-Eleven, Rite Aid, Speedway SuperAmerica, HEB, Winn Dixie, Quick Trip, Sheetz and many more.

Frank is a 1982 graduate of St. Joseph's University, (PA) with a BS in Accounting.  He and his wife April live outside of Philadelphia in Washington Township, NJ and have three grown daughters.

Margo Strahlberg, Associate, Bryan Cave LLP
Margo Strahlberg is an Associate with the law firm of Bryan Cave LLP, based in the Chicago office.  Her practice focuses on the regulation of stored value and other electronic payment products. Her areas of expertise cover state abandoned property laws, consumer protection laws and the state regulation of money services businesses.  She regularly monitors and reports on pending legislation and regulations in these areas.

Ms. Strahlberg is scheduled to speak at the 2009 Unclaimed Property Professionals Organization on the topic of abandoned property law and privacy.  She also served as Editor of the Network Branded Prepaid Card Association’s Industry White Paper, Abandoned Property Laws and Network Branded Prepaid Cards: The Anti-Consumer and Anti-Business Consequences from Forcing a Square Peg into a Round Hole.  In December of 2007, Ms. Strahlberg published an article in the Journal of Payment Systems Law entitled Getting your Just Rewards - A Proposal for the Treatment of Prepaid Rewards Cards under State Abandoned Property and Consumer Protection Laws.  Ms. Strahlberg also serves as Co-Vice Chair to the Payments Fraud Task Force for the American Bar Association’s Subcommittee on Cyberspace Law.

David Suzuki, Managing Partner, KargoCard
David Suzuki is the Managing Partner of KargoCard. As a founder, he established KargoCard as the premier gift card platform in Asia enabling merchants to launch and distribute their gift cards in China, Malaysia and Singapore. Gift cards are new to region and KargoCard provides  a comprehensive service offering both to local and global brands. Prior to founding KargoCard in 2008, David was a partner at Worldview Technology, a silicon valley based venture capital firm with deep ties to the Asian market.

David Tate, Group Vice President, Blackhawk Network
David Tate is Group Vice President of Blackhawk Network where he manages various retail partners in Blackhawk Network’s billion-dollar gift card business. David started his career in sales for Comtel and then moved to On Technology where he served in various Sales, Management and Executive roles helping the company reach a successful IPO on Nasdaq (ONTC). Before Blackhawk Network, David served as SVP of Sales at Webhelp, Inc., helping businesses build an online presence.

David Taylor, Category Diector, ExxonMobil
David Taylor is the Category Director for Services at ExxonMobil.  His Category Management background includes General Merchandise, Cooler Beverages, Car Wash, and Edible/Non Edible merchandise.  He has worked for Companies that include Chevron, 7-Eleven, and Pilot. In addition to Category Director, he has held positions in Operations and Marketing that include General Manager, District Manager, Merchandise Manager, Retail Account Manager, Franchise Coordinator, and Field Consultant.

In addition to prepaid services, he has focused the past 5 years on research and development of ewiz, a financial services kiosk. 

Jennifer Tescher, Director, Center for Financial Services Innovation
Jennifer Tescher is the Director of the Center for Financial Services Innovation, launched in 2004 to promote and enhance financial services access and services to the underbanked. The Center is a non-profit affiliate of ShoreBank Corporation, the nation's leading community development bank holding company. Ms. Tescher has been part of the ShoreBank family since 1996 in a variety of capacities, focused primarily on the development and implementation of new financial products and services. Ms. Tescher has guided CFSI since its inception, and has already achieved notable success in raising the profile of underbanked access and asset-building as an objective for the industry.

Stephanie Teta, Sr. Business Leader, Discover Network, Prepaid
Stephanie is a Discover Financial Service, veteran.  She has experience in Cardmember Operations, Cardmember Marketing and Network Development.  Her responsibilities are to manage and bring prepaid products to market.  Stephanie was a founding member of the prepaid division for Discover Network and sits on the NBPCA Advisory council.

Lori Thomas, Vice President, Business Development, i2c Inc.
Lori Thomas, vice president, business development at i2c Inc., has more than 10 years of sales experience in building long-term business relationships. She started in the transaction-services industry with Telecheck. She went on to SunTrust Merchant Services, where she was a corporate account executive responsible for bringing acquiring-merchant processing business from corporate and national accounts. There, Thomas was named one of the top five corporate executives fours years in a row. Before joining i2c, Thomas was director of recruiting for COCARD Marketing Group.

Dina Thomsen, Senior Vice President of Sales, Green Dot Corporation
Dina is Senior Vice President of Sales at Green Dot Corporation, the leading provider of financial services to the financially underserved. Dina leads overall corporate sales strategy, all retail sales initiatives and delivers on the company’s continued aggressive revenue growth plan. Prior to joining Green Dot, Dina was VP of Sales & Marketing at CaseStack Inc., a fast-growing business process outsourcing company providing cutting edge supply chain solutions to consumer packaged goods companies and the country's largest retailers. Prior to CaseStack, Dina oversaw sales, strategy and M&A at both Zebra Technologies Corporation and Eltron International, Inc. - two leading barcode and RFID technology providers. Dina holds an MBA with an emphasis in marketing and finance from the Anderson School at UCLA and a BA in economics from Pepperdine University.

Natasha Toothill, Chairperson, Gift Card and Voucher Association
Natasha has been involved in the gift voucher and gift card market for over 12 years. As Chair of the UK Gift Card & Voucher Association, Natasha has a wealth of experience in corporate and consumer markets with gift vouchers, gift cards and prepaid cards.

At Payzone, as Director of Gift Services she has developed closed loop gift cards, prepaid shopping centre gift cards, open loop corporate incentive cards, and retailer cards, placing Payzone firmly in the UK prepaid card sector.

Previously Natasha was Product Development Director at Capital Incentives, a division of Accor where she created the Compliments Card, the first semi open loop multi retailer product in the market.

Mike Triantafellou, President and CEO, Handee Marts
Mike is the President and CEO of Handee Marts, the second oldest licensee of 7- Eleven in the USA. Handee Marts currently operates 64 7-Eleven Stores in their license territory which includes Western PA , NE Ohio, and a few counties in West VA and MD.  Handee Marts was  recently awarded the Pittsburgh Region's  2008 Business Ethics Award by the University of Pittsburgh -  David Berg School of Ethics and the Society for Financial Services Professionals .   Mike is a graduate of the University of Pennsylvania and has been employed in the truckstop and convenience store industry for the past 34 years. He was named the Retailer of the Year by the Texas Grocery and Convenience Store Association (TGCA)  in 2006. Mike and Jackie live outside of Pittsburgh and have four grown children who reside in Philadelphia, NJ & Texas  as well as six grandchildren.

Chris Truelson, Senior Vice President, TSYS Prepaid Services
Chris Truelson is Senior Vice President of TSYS Prepaid Services, a division of TSYS (NYSE: TSS). Mr. Truelson is responsible for leading the business development, sales, marketing and product development areas of the company. Mr. Truelson is a veteran of TSYS and brings more than 17 years of overall payment services industry experience to TSYS Prepaid. His background includes various positions with U.S. Bank, Rocky Mountain Bankcard, Aimbridge Lending and Boatmen's Bancshares. He is an accomplished speaker and has been quoted in numerous publications. Mr. Truelson earned his bachelor's degree from Truman State University in Kirksville, Missouri, and his master's degree in business administration from Colorado State University in Fort Collins, Colorado.

Jennifer Vanderwall, Vice President, Global Product, Healthcare Solutions, Mastercard
As Senior Business Leader, Healthcare Solutions, Jennifer drives MasterCard’s global strategy to address the payment needs of the healthcare market and is responsible for thought leadership, product innovation and development. 

Mark has been a leader in the prepaid industry since 1999, when he helped found Solspark, a prepaid solutions provider with clients including MasterCard, Concord EFS/FirstData and Certegy.

Aaron Williams, Manager, Continental Airlines
Aaron Williams is Manager of CAL Field Services, a department of Continental Airlines (NYSE: CAL). Mr. Williams is responsible for managing the business development of Continental Airlines’ amenity voucher program covering 265 airport locations around the world.  Mr. Williams has been with Continental Airlines in various positions for more than 10 years.  His background includes positions with Affiliated Building Services (ABS), Nike, and U.S. West.   Mr. Williams earned his bachelor's degree from Morehouse College in Atlanta, Georgia, and his master's degree in business administration from Owen Graduate School of Management at Vanderbilt University in Nashville, Tennessee.

Suzanne Williams, Manager, BSA/AML Risk, FEDERAL RESERVE BOARD
Suzanne Williams is the Manager of the BSA/AML Risk Section of the Division of Banking Supervision and Regulation at the Board of Governors of the Federal Reserve System.  In this position, she works with Reserve Bank and Board staff in designing supervisory strategies to address complex Bank Secrecy Act/AML issues.   Ms. Williams develops BSA/AML policy guidance for financial institutions, in coordination with other federal government agencies.  

Ms. Williams previously served as a Senior Regulatory Compliance Program Specialist at the Department of the Treasury's Financial Crimes Enforcement Network, as a Senior Financial Analyst in the International Branch of the Division of Supervision at the Federal Deposit Insurance Corporation, and as a Commissioned Bank Examiner for the FDIC.  She received a Master of Science degree from the University of Maryland with a major in Financial Management and a Bachelor of Science degree from Kings College with a major in International Business.

Mark W. Yusko, President and Chief Investment Officer, Morgan Creek Capital Management
Mark W. Yusko is the President and Chief Investment Officer of Morgan Creek Capital Management, LLC, a registered investment adviser formed in July 2004 to provide investment management and advisory services based on the University Endowment Model of investing to wealthy families, individuals and institutional investors.

Prior to forming Morgan Creek, Mark served as the Chief Investment Officer for the University of North Carolina at Chapel Hill (UNC) from 1998 to 2004. Mark, and his team, founded the UNC Management Company (UNCMC) in July of 2002 to provide comprehensive investment advisory services to the University including strategic and tactical asset allocation, investment manager selection, manager performance evaluation, spending policy management and performance reporting. Total assets under management were $1.5 billion, $1.2 billion of Endowment and $300 million of University working capital.