Banco Popular de Puerto Rico

Nathan Bays serves as counsel to the Health Management Academy, an educational services and consulting company that provides strategic advice to integrated hospitals and health systems. He is also counsel to the Academy Advisors, a policy analysis and development organization that analyzes federal policy issues of importance to hospitals and health systems. Prior to joining the Health Management Academy, Nathan was as an attorney in private practice, providing regulatory, transactional and corporate counsel to health systems and corporate clients. He has worked with health systems and providers on issues ranging from Stark and Anti-Kickback compliance to capital markets financing and mergers & acquisitions. A native of Tennessee, Nathan holds a Juris Doctor from Wake Forest University School of Law, and a Bachelor’s degree in Finance from East Tennessee State University.

George Huang joined the municipal research team as director and senior analyst to publish in the healthcare, higher-education and not-for-profit sectors. George has more than 14 years of municipal finance experience, including more than 11 years of experience in the not-for-profit healthcare space, both acute care and long-term care. George brings extensive deal structuring, credit analysis, risk management and workout experience to his new role at Wells Fargo Securities, LLC. Prior to joining the firm, George was a director at Assured Guaranty, a bond insurance company where he most recently managed the healthcare risk management group and previously underwrote new bond insurance. George was a vice president at Radian Asset Assurance, Inc., where he underwrote new bond insurance in the healthcare sector. At Mizuho Corporate Bank, George was assistant vice president, providing commercial banking services to the healthcare sector, as well as to public power and transportation credits. George began his public finance career at Moody’s Investors Service, Inc., covering general government municipal bonds. Before that, George was a consultant with PHB Hagler Bailly, in the firm’s energy and telecommunications practice. George has a B.A. from the University of Pennsylvania. George is a member of the National Federation of Municipal Analysts, the Municipal Analyst Group of New York, the American Hospital Association and the Healthcare Financial Management Association.

Leah Wilson serves as Principal Analyst for the Budget/Finance Unit of the County Administrator’s Office of Alameda County. Ms. Wilson joined the County in September of 2011 with extensive experience in government finance, and assists in managing the County’s nearly $1.3 billion debt portfolio. Prior to joining the County, Ms. Wilson had worked as a Supervising Analyst and Manager with various divisions of the Administrative Office of the Courts, where she administered a statewide juvenile court improvement program and oversaw the allocation of nearly $300 million in state, federal and private funding to the courts, and managed state, federal, Stimulus, and private funding streams.Ms. Wilson graduated from the University of California at Berkeley, Boalt Hall School of Law in 1999, received her master’s degree in public policy from the University of California at Berkeley in 1998, and received her bachelor’s degree in sociology from the University of California at San Diego in 1994.

David Crane is a Lecturer in Public Policy at Stanford University and Research Scholar at the Stanford Institute For Economic Policy Research. He is also president and co-founder of Govern For California, a member of the State Budget Crisis Task Force co-chaired by former Federal Reserve Chairman Paul Volcker and former New York State Lieutenant Governor Richard Ravitch, and a member of the Society of Actuaries Blue Ribbon Panel formed in 2013 to explore the causes of underfunding in public pension plans. Previously he served as Special Advisor to Governor Arnold Schwarzenegger, Regent of the University of California, and director of the California State Teachers Retirement System, the California High Speed Rail Authority, and the California Economic Development Commission. He was a partner at Babcock & Brown, a financial services company, from 1979 to 2003.

Blake Anderson is a Managing Director of Mesirow Financial�s Institutional Sales and Trading Group. Based in the firm�s San Francisco office, Blake focuses on High Yield �tax exempt and taxable bond research. Blake has more than twenty years of investment experience.Prior to joining Mesirow Financial, Blake was a Partner at Social Sphere Strategies, Managing Partner at Anderson Tuttle Properties and a Managing Director at Putnam Investments. At Putnam, Blake was Director of the High Yield Team, Senior Portfolio Manager and Director of Tax Exempt Research while serving on the Executive, Risk Management and New Product Committees. Prior to Putnam, Blake was a Consultant at Coopers & Lybrand, Actuarial & Benefits Consulting Group. Prior to Coopers, Blake was a Senior Underwriter at Cigna Corp.Blake earned his Bachelor of Arts degree at McGill University, Montreal, Canada.

Diane Cummins currently serves as Special Advisor to the Governor on state-local realignment issues. Prior to her retirement in December 2008, she was the Chief Fiscal Policy Advisor to the President pro tem of the State Senate, a position she held since January, 1999.Previously, she was the Chief Deputy Director for Budgets in the Department of Finance. As part of her 21-year career in the Department of Finance, she held numerous positions and specialized in local government and health and human services issues. She was the key Department of Finance staff person on the 1991 Realignment, the 1997 assumption of state trial court funding and the 1997 welfare reform effort that resulted in the CalWORKs program.

Mr. Glass is the Chief Financial Officer of the Cleveland Clinic. He joined the Cleveland Clinic in April 2002 as the Controller and Chief Accounting Officer and served in that role until June 2005, when he assumed his current role. Mr. Glass is responsible for the financial management of the Cleveland Clinic Health System which includes ten hospitals in Ohio, one hospital in Florida, outpatient operations in Las Vegas and Toronto, and a 2,700 physician practice group operating across those markets.Prior to joining the Cleveland Clinic, Mr. Glass spent fourteen years with MedStar Health, a community hospital health system serving the Mid-Atlantic Region. Mr. Glass spent fourteen years with MedStar Health serving in various roles during its growth through mergers and acquisitions during the mid-nineties. Mr. Glass received a Bachelor of Science degree in Accounting from Towson University and is a Certified Public Accountant. He is a member of the American Institute of Certified Accountants, Ohio Society of Certified Public Accountants, Healthcare Financial Management Association and the Health Management Academy.

David L. Cohen is a Managing Director and Associate General Counsel for the Securities Industry Financial Markets Association’s (SIFMA) Municipal Division where he focuses on municipal securities policy, legal, regulatory, market practice, and other related issues. Prior to joining SIFMA, Cohen was Managing Counsel for Ethics and Compliance at Cablevision Systems Corp. Before joining Cablevision, Mr. Cohen held several positions at UBS including Executive Director and Regulatory Compliance Business Manager for UBS’ Municipal Securities Group and Associate General Counsel for UBS Wealth Management.Mr. Cohen holds a B.A. in Political Science from Union College and a J.D. from Hofstra University School of Law where he was Editor-in-Chief of the Hofstra Labor Law Journal.

Sally has over 18 years of banking experience, predominately in public finance in the higher education sector. She currently serves as the head of Wells Fargo Securities higher education team and previously as co-head of the Morgan Stanley higher education group. Sally has served as a senior banker on over $25 billion of tax-exempt and taxable debt issuance for public and private institutions nationwide and internationally. Sally’s prominent senior managed public university clients include the University of Texas System, the University of California, the California State University System, the University of Pittsburgh, Indiana University, Miami University of Ohio, Virginia Military Institute and the University of Virginia. Her private university and college higher education experience includes senior managed bond issues for Stanford University, Washington University, University of Chicago, Northwestern University, Princeton University, Harvard University, Columbia University, Carleton College, Pepperdine University, California Institute of Technology, Johns Hopkins University, Loyola of Chicago, Loyola Marymount University, Santa Clara University, Lebanese American University and Swarthmore College among others. Sally’s not-for-profit experience includes bond issues for the Andrew Mellon Foundation, Lincoln Center for the Performing Arts, the Metropolitan Museum of Art and The Whitney Museum of American Art among others. In the late 1990s, Sally relocated to Hong Kong. While in Hong Kong, she served as a senior member of the Morgan Stanley Taxable Debt Capital Markets team and for one year as the Chief Operating Officer for the Fixed Income Division in Asia. Sally rejoined the Public Finance department and the Morgan Stanley higher education group in June 2003. Since then, she has focused solely on higher education and 501(c)3 debt issuers. Sally joined Wells Fargo as the head of the higher education team in August 2012.