Banco Popular de Puerto Rico

José Luis Moscovich has been Executive Director of the San Francisco County Transportation Authority for over nine years. He has nearly thirty years’ experience in transportation planning and engineering, including project development and oversight, environmental studies, long-range plan development, and a number of assignments in the private sector as a strategic planning consultant, and as infrastructure development advisor to Latin American cities. As Executive Director of the Authority, he spearheaded the development of the 30-year Countywide Transportation Plan for San Francisco, adopted in 2004, as well as the effort to reauthorize the local transportation sales tax, which culminated in November 2003 with a 75% vote on a new 30-year Expenditure Plan. Under his leadership, the Authority has achieved major milestones including development of the city’s activity-based travel demand model, preparation of a 30-year Strategic Plan for transportation investment in the city, completion of the environmental studies and design for the replacement of Doyle Drive (the south access to the Golden Gate Bridge,) completion of the award-winning Octavia Boulevard project, to replace the double-decker portion of the Central Freeway, completion of two feasibility studies for implementation of a bus rapid transit network in San Francisco, development of a multimodal level of service measure, and initiation of a congestion pricing study and a parking pricing study for San Francisco.In 2007, he spearheaded the effort that resulted in a $405 M commitment from the California Transportation Commission to the Doyle Drive Replacement project. He also initiated the joint effort with the Metropolitan Transportation Commission that resulted in a $59M discretionary grant in 2008 from the federal government to the Bay Area, under the Urban Partnership program. Also in 2008, the Authority was awarded the Employer of the Year award by the Bay Area Chapter of WTS.Mr. Moscovich is currently working with the California Business, Transportation and Housing Agency on a potential P3 for the second phase of the Doyle Drive project. Mr. Moscovich chaired the Self-Help Counties Coalition between 2005 and 2007. He was President of the Board of the California Transportation Foundation Board between 2006 and 2008. He also serves on the Advisory Board of the Lake Arrowhead Transportation and Land Use Program at UCLA, and on the Advisory Board of the University of California Transportation Center. He holds a degree in Urban Planning from the University of Illinois in Champaign-Urbana, and a master’s degree in Transportation Engineering from the University of California at Berkeley. He is a member of the Institute of Transportation Engineers, the Transportation Research Board, and the American Planning Association.When he’s not thinking about transportation, he’s usually conducting operas. He has two commercially released CDs including a new opera which received a GRAMMY nomination for Best Contemporary Classical Composition in 2005. He is a member of the National Academy of Recording Artists.

Andrew Belknap, Regional Vice President, has more than 20 years of diverse local government management experience. He has served in California local government as a city manager, public works director and independent consultant. As a consultant he has directed many diverse projects and provided interim management assistance for cities, counties and special districts. Andy has been with Management Partners since 2001 and leads the operations of the western region, which is based in San Jose, California. He directs the work of approximately 20 full-time staff members. His recent experience with cities facing fiscal distress includes consulting on budget, fiscal and management issues for Stockton, San Jose, Sacramento, Santa Ana, Vallejo, Stockton, Tracy, San Bernardino, Oakland and many other California jurisdictions, as well as Phoenix, AZ and both Las Vegas and North Las Vegas in Nevada.Andy began his public service career in 1980 with the City of Oxnard, California, in facilities management. He created the city’s first automated database for tracking infrastructure maintenance and gained statewide recognition for the city’s energy management program. Eventually, Andy was named chief of staff to the public works director and was responsible for budgeting, utility rate setting, capital program management and organizational analysis. In 1989, Andy was named city manager of Ojai, a nationally known resort community (he had been public works director there for the previous three years). Andy brought leadership and fiscal stability to a community that had been through a difficult period of political controversy, staff turnover and financial troubles. When he left this position in 2001, the city had achieved a reputation for credibility, professionalism, teamwork and innovation. While with the City of Ojai, Andy completed several major redevelopment projects including a difficult upgrade of unreinforced masonry in an historic downtown area, and several innovative affordable housing projects. He also negotiated an agreement (the first of its kind) with the Ventura County Sheriff for joint financing and construction of a new police station. At the regional level, as chair of his region’s California City Manager’s Association, in 1998 Andy helped devise a successful plan to create a joint powers library authority to serve seven cities and a over 600,000 residents. He has served on several League of California Cities working groups and was selected to represent the Santa Barbara area on the California City/County Youth Services Task Force.Since joining Management Partners in 2001, Mr. Belknap has participated in over 200 individual consulting projects for cities, counties and special districts in California, Arizona, Nevada, Washington, Idaho and Montana. He has served as the key professional or project manager for most of these assignments. Clients range from very small to very large and include the cities of San Jose, Long Beach and Sacramento; the counties of Orange, Marin, Monterey, San Mateo and Ventura; and large special districts such as the Sacramento Port District and the Los Angeles Community College District. As a corporate officer with Management Partners, Mr. Belknap has helped develop the firm’s consulting methodology, standards of practice and market presence, which has enabled the firm to successfully complete over 700 separate engagements for hundreds of local government throughout the United States. As an economist, Andy brings a special expertise to public finance issues, including the analysis of local revenue measures. He has completed a broad range of organizational and management studies, cost-of-service and fiscal analyses, inter-jurisdictional service delivery studies, service consolidation and coordination efforts and other complex projects. Andy earned a bachelor’s degree in math / economics from the University of California-Santa Barbara, and a master’s degree in economics, with a specialty in public finance.

Errol Brick joined PFM in 2011 when PFM acquired his financial advisory firm, The Killarney Group. Mr. Brick startedKillarney in 1995 after spending 16 years providing investment banking services to non-profit healthcare clients as asenior healthcare banker at Goldman, Sachs & Co.His clients include academic medical centers, large multi-hospital systems as well as stand-alone non-profit hospitals.In addition, Errol serves as a financial advisor to the Maryland Health and Higher Educational Facilities Authority,providing advisory services to all of the Authority’s healthcare, higher education and non-collegiate school borrowers.Errol assists clients to identify and mitigate risks inherent in the structure s of their financial assets as well as liabilities;as well as recommending debt structures that meet clients’ financial goals. He also assists clients to evaluate andexecute strategic options relating to their businesses. These options include delivery mode, organizational structure,as well as mergers and acquisitions.Mr. Brick graduated from the University of the Witwatersrand, Johannesburg, South Africa with a B. Com degree inEconomics and a Master of Business Administration degree in Applied Economics. Errol is licensed as a CertifiedPublic Accountant by the State of New York, and is designated as a Chartered Global Management Accountant by theAmerican Institute of Certified Public Accountants. He holds a General Securities Principal license and a GeneralSecurities License issued by FINRA.

Emily Wong is a senior director in the Fitch Ratings health care group. Emily has over ten years experience in the nonprofit healthcare industry and is primarily responsible for analyzing and rating acute-care hospitals, nursing homes, and continuing care retirement communities. In addition to her six years at Fitch, Emily has worked at UBS as a healthcare investment banker and at The Vanguard Group as a research analyst. In addition, Emily was also a rating analyst at Standard and Poor’s in their healthcare and higher education group.Emily earned a BS in environmental studies from Saint Mary’s University and an MPA in public finance from Indiana University. She is a member of the Healthcare Financial Management Association.

Joanne Ferrigan leads the analytical team within Fitch Ratings Education & Nonprofits Group. Joanne and her team of analysts are responsible for assigning and maintaining ratings on approximately 200 credits. Joanne has over 22 years of experience in public finance covering a variety of sectors.Prior to joining Fitch, Joanne worked on the sell side at both Morgan Stanley and Morgan Stanley Smith Barney, and the buy side at Weiss, Peck and Greer. Previously, she was an analyst in the higher education group at Standard and Poor�s, and started her career at MBIA.Joanne holds an MBA in finance from Fordham University and a BS degree in business from Marymount College.

Lauren Mack is a tax-exempt organizations, tax-exempt finance and health care law attorneywith a focus on federal tax matters. She counsels and represents hospitals, health careorganizations and other tax-exempt organizations in connection with a wide variety of taxplanning matters. On behalf of these organizations, she provides advice in connection withcorporate and transactional matters; assists clients with respect to exemption applications,private letter ruling requests, audits and closing agreements; and counsels clients on taxcompliance and governance matters.In addition, Ms. Mack has been involved in a broad of range of tax-exempt financings, servingas bond counsel and counseling borrowers (including health care organizations, culturalinstitutions, schools and universities), underwriters and banks (as liquidity and/or creditproviders) with respect to tax matters. She advises clients with respect to transactionstructuring as well as post-closing tax compliance. She represents clients before the IRS inconnection with audits, closing agreements under the IRS's Voluntary Compliance Program andprivate letter rulings.Ms. Mack is a regular speaker on tax-exempt organization and tax-exempt finance issues.

Darrell Johnson is the Chief Executive Officer of the Orange County Transportation Authority, leading an agency of 1,400 employees responsible for delivering projects, programs and services that improve mobility for more than 3 million county residents.Under the direction of OCTA’s 17-member Board of Directors, Mr. Johnson is responsible for a $1.16 billion annual budget and implementing the planning, financing and coordinating of Orange County's freeway, street and rail development as well as managing countywide bus services, commuter-rail services, paratransit service and operation of the 91 Express Lanes.Since becoming CEO in 2013, Mr. Johnson has focused on delivering projects through Measure M – Orange County’s voter-approved, half-cent sales tax for transportation improvements.By 2020, more than $3 billion in OCTA projects will be under construction, including the $1.9 billion I-405 Improvement Project and 405 Express Lanes, the largest ever undertaken by the agency.In addition, Mr. Johnson has launched an effort to reshape transit in Orange County through a recent bus system overhaul, implementing a modern streetcar system, adding community-based shuttles, and exploring transportation network company partnerships.�Mr. Johnson represents OCTA on local, state and national issues related to transportation programs and policies. �Johnson lives in Rancho Santa Margarita with his wife and two daughters.