Theresa Payton: CEO Fortalice Solutions, First Female White House CIO, and 2019 Woman Cybersecurity Leader of the Year
Session: “Securing the Future – Unmasking Cybercriminals and the Triple Threat Facing Business and You”

As one of the nation’s most respected authorities on cybersecurity, Theresa Payton is also a highly sought-after AI keynote speaker. Theresa is a visionary in the digital world, leading the way as an inventor of new security designs and has an approved US patent in security. She captivates audiences by drawing from her experience as a veteran cybercrime fighter and entrepreneur, masterfully blending memorable anecdotes with cutting-edge insights.
She identifies emerging trends and techniques to help audiences combat cyber threats, from the impact of the Internet of Things to securing Big Data. Payton is the cybersecurity expert that organizations turn to for discreet help during data breaches and to improve IT systems and strategies. She made history as the first female to serve as White House Chief Information Officer and currently helps organizations in both the public and private sectors protect their most valuable resources.
John Breyault: Vice President, Public Policy, Telecommunications, and Fraud, National Consumers League
Session: “Gloves Up: How Media, Consumer Advocates, Law Enforcement, and the Gift Card Industry Are Going Toe-To-Toe with Fraud”

John Breyault is a nationally-recognized consumer advocate with more than 18 years of experience championing the rights of consumers and the underserved. At the National Consumers League, he advocates for stronger consumer protections before Congress and federal agencies on issues related to technology, fraud, data security, privacy, aviation, live event ticketing, video gaming, and more. In addition, John manages NCL’s Fraud.org and #DataInsecurity Project campaigns. John has testified multiple times before Congress and federal agencies and is regular contributor to national press outlets including the Washington Post, New York Times, and Wall Street Journal.

Jilenne Gunther, JW, MSW :
National Director of AARP BankSafe
 “Gloves Up: How Media, Consumer Advocates, Law Enforcement, and the Gift Card Industry Are Going Toe-To-Toe with Fraud”

Armed with a passion for social work and over two decades of experience protecting older adults through her pioneering work in elder law and the aging network, Gunther is on a mission to solve systemic problems by developing and implementing solutions the financial industry can use to protect the finances of older Americans and their families. Prior to joining AARP, Gunther held a number of government and non-profit positions where she oversaw and directed policy and legal programs on behalf of victims of crime, particularly older adults and other vulnerable groups. She developed one of the nation’s first bank-account features to help family and caregivers prevent exploitation. Gunther has authored two books on consumer rights and elder law and a novel analysis on the economic cost of financial exploitation. While a Borchard Fellow with the Borchard Center on Law & Aging, she conducted a groundbreaking study on the legal needs of older Americans. Her work has been replicated in over forty states, widely quoted in national media and cited in Senate hearings, Consumer Financial Protection Bureau Advisories, and U.S. Government Accountability Office reports.

Beverly Harzog:
Consumer Finance Analyst, U.S. News & World Report, and bestselling author
 “Gloves Up: How Media, Consumer Advocates, Law Enforcement, and the Gift Card Industry Are Going Toe-To-Toe with Fraud” (Moderator)

Beverly Harzog is a nationally recognized credit card expert and consumer finance analyst for U.S. News & World Report. She's also the bestselling and award-winning author of five personal finance books. Her expert advice has been featured in thousands of media outlets, including TV, radio, print, and major websites. She’s appeared on Fox News, CNN Newsource, NBC New York, NY1, ABC New York, NBC NY, ABC News Radio, Bloomberg Radio, and more.

Harzog grew up in Virginia-Highland, an in-town neighborhood in Atlanta, Georgia. She worked her way through college and earned a Bachelor of Business Administration in Accounting at Kennesaw State University in 1983. She also holds an MBA in Public Relations from the University of New Haven in New Haven, CT. She also studied Speech Communication at the doctoral level at the University of Georgia, where she earned a top paper award from the Speech Communication Association for her research in crisis management.

Martha Weaver: Head of Retail Partnerships, North America, Tillo ; RGCA Fraud & Abuse Mitigation Committee Co-chair
Session: “Gloves Up: How Media, Consumer Advocates, Law Enforcement, and the Gift Card Industry Are Going Toe-To-Toe with Fraud”

With 22 years of prepaid and payments experience, Martha has dedicated much of her time and energy building collaboration and educational opportunities within the industry. She’s specifically worked across all Gift Card industry associations, including the RGCA, IMA and IGCC. Martha is a past member of the IGCC board of directors, as well as a current RGCA director. Prior executive positions include Raise, The Gift Card Network, Travel Tags, Arroweye Solutions and Target Corporation. Martha holds a BA in Communication and English from Carroll University.
Tom Niedbalski: Vice President, Gift Solutions, Fiserv Global Sales and Partnerships 
 “Maximizing Your Loyalty Program to Meet New Customer Demands”

Tom Niedbalski is a thought leader and a visionary transforming the way brands leverage branded currency to engage with consumers for over 28 years.  In his role as Vice President of Fiserv Global Sales & Partnerships, Tom has been an instrumental part of the Gift Solutions leadership team.  

Most notably, Mr. Niedbalski’s passion and diverse strengths helped him to start the first-ever gift card in North America in 1994.  The Blockbuster gift card and reward program helped revolutionize the industry with marketing innovation and enabled branded currency to serve as a model for enterprises across the globe.  Thomas’s accomplishments helped shape the future of prepaid and “wow what a difference” this would make to this ever-evolving industry.
As co-founder of Transaction Wireless, Tom developed and executed a robust digital platform strategy positioning Transaction Wireless as a leading provider of digital gift cards and prepaid services across multiple emerging and mobile channels. As a result of his passion and dedication, First Data acquired Transaction Wireless creating the first ever complete end to end enterprise gift card solutions available in the industry.  
Tom’s professional accomplishments and industry involvement has not gone unrecognized.  The Incentive Marketing Association nominated and awarded him the 2018 President’s Award.  

Jordan Hirschfield: Director of Prepaid Advisory Services, Mercator Advisory Group
Session: Maximizing Your Loyalty Program to Meet New Customer Demands

Jordan is Director of Mercator Advisory Group’s Prepaid Advisory Service covering all aspects of the prepaid sector including all open and closed loop prepaid card products, with a focus on covering key industry developments and trends. Jordan has spent more than 20 years drawing actionable insights from research ranging a variety of topics including customer behavior dynamics, products such as payroll, logistics, and hospitality. Prior to Mercator, Jordan worked as Director of Customer Insights at GSMA, where he was responsible for all aspects of market research, competitive intelligence and driving voice of customer throughout GSMA’s global event portfolio. Jordan also worked in research and analysis functions at ADP and UPS and was an Associate Producer of financial news programs at CNN.

Michael Carroll:
Chair of the International Association of Financial Crimes Investigators
Fraud Panel

Michael is a retired Postal Inspector after serving 29 years with the US Postal Inspection Service. Michael spent most of his career investigating financial crimes, including identity theft, mail theft, credit card fraud, and scams involving the US Mail. Mike is proud to say he has returned to the Inspection Service as a Contractor/Analyst with the Chicago Division. Michael has been a long-time member of the International Association of Financial Crimes Investigators (IAFCI) and held past positions as the Illinois Chapter President, International Secretary, and International Vice President. Mike is currently the International President and Co-Chair of the Identity Crimes/Scams and Elder Exploitation Working Group and the Webinar committee. Mike is a part time instructor on Financial Crimes Investigations and Elder Exploitation at the Homeland Training Security Institute at the College of DuPage in Glen Ellyn, IL.  Mike is also a Certified Financial Crimes Investigator (CFCI). 

Kati Daffan: Assistant Director of the FTC’s Division of Marketing Practices
Session: “Gloves Up: How Media, Consumer Advocates, Law Enforcement, and the Gift Card Industry Are Going Toe-To-Toe with Fraud”

Kati Daffan is an Assistant Director of the FTC’s Division of Marketing Practices, where she works on fraud law enforcement and policy matters.  She previously litigated consumer protection cases and served as an attorney advisor to former FTC Chair Edith Ramirez.  Before her time at the FTC, Kati worked as a legal services attorney, an associate at a civil rights law firm, and a law clerk to the Honorable Shira A. Scheindlin in the Southern District of New York.  She holds a B.A. from Princeton University and a J.D. from Columbia Law School.

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