Edgar Rivera is a Manager based in San Francisco. Edgar has experience in management consulting roles in Mexico and the US.  He has assisted global multinationals in the development of corporate and business division strategies. Edgar has participated in several organization restructuring projects; integration of processes and IT Platform in post-merger integration scenarios; market analysis in Latin America; and the evaluation of expansion strategies for multinationals. Edgar has worked with payment issuers, processors and acquirers in the U.S., Canada and Latin America in different topics ranging from building growth strategies to defining roadmaps for mobile payments deployment. Recently he proposed and evaluated the potential growth opportunities for a large payment processor in Mexico, including opportunities to expand its acquiring services. Prior to his career at EDC, Edgar worked as an associate at The Boston Consulting Group in Monterrey, Mexico.  Edgar holds a Master of Business Administration (MBA) degree from the Stephen M. Ross School of Business of the University of Michigan and a Bachelor of Science in Mechatronic Engineering degree from the ITESM in Monterrey, Mexico.  

Marc Hemmerling (MSc in Computer Sciences) is Member of the Management Board of ABBL the Luxembourg Bankers’ Association. The domains covered by Marc Hemmerling are: retail banking, payments, ICT, standards and innovation. As such, Marc is, amongst others, secretary of a number of ABBL technical committees and working groups, and SEPA implementation coordinator for Luxembourg. Marc also liaises with various national committees chaired by the Luxembourg Central Bank and the financial sector supervisor CSSF. In addition, Marc is Vice-President of EuroCloud Luxembourg, Member of the Board of ICTluxembourg and Steering committee member of the Luxinnovation ICT Cluster. He is deputy member of the National Data Protection Agency – CNPD representing the financial industry. At the European level, Marc chairs the Payment Systems Committee of the European Banking Federation (EBF). He was also involved in a number of European Commission expert groups, notably on e-invoicing and customer mobility and is currently Luxembourg’s representative in the European Multi-stakeholders Forum on e-invoicing and co-chairs the eifL – the Luxembourg Forum for electronic invoicing. Finally, Marc currently acts as Chairman of XBRL Europe, Secretary General of XBRL Luxembourg. Before joining the Luxembourg bankers’ Association, Marc Hemmerling, has been CIO of Cetrel – a card payments services (acquiring business/issuing business) provider acting as national clearing and settlement technical agent – which he set-up in 1986. Marc Hemmerling started his career as civil servant in the Luxembourg Social Security IT centre as head of IT systems and data centre operations.

Inspired in part by a childhood spent growing up in Latin America in an era when trade barriers and tight currency controls limited economic growth and increased internal conflict, PayPal’s vice president of legal and general counsel John Muller has spent more than a quarter century focusing on the role that financial law and regulatory compliance can play in fostering prosperity, openness, and opportunity in communities around the world. After receiving a bachelor’s degree in English from the University of Virginia and a law degree from Harvard, John joined the distinguished international law firm of Gibson, Dunn & Crutcher, and he also practiced law at Shawmut National Corporation, a multi-state bank holding company. From 1996 to 2000, he was a partner at Brobeck, Phleger & Harrison, where he specialized in e-finance and regulatory compliance. John joined PayPal in October 2000 as general counsel, and he added the role of vice president of legal in 2002. At PayPal, he leads a legal department that is working with governments and business partners around the world to reinvent commercial and payment law in order to bring the benefits of connected commerce to businesses and consumers on a global basis. John has also served as the co-chair of the American Bar Association Joint Subcommittee on Electronic Financial Services and as the chair of the California Bar Association Financial Institutions Committee.  

Nicole Douglas is a senior vice president and regional international treasury management sales manager.  She has been with Wells Fargo over the last seven years successfully developing global cash management solutions for companies throughout the Northern California region. She specializes in innovative banking strategies for technology sector companies. In addition, she is the international treasury management regional sales manager for California. Prior to joining Wells Fargo, she worked as a management consultant focusing on developing business and technology strategies for multi-national companies.  She received a BS in Finance and Management Information Systems from Villanova University, Pennsylvania and earned her Masters in International Business from Gothenburg University in Sweden.