Banco Popular de Puerto Rico

Bobbi Gajwani is a Director in the Municipal Enterprise Group of Public Finance Ratings at Standard & Poor’s. Mrs. Gajwani joined S&P in 2002, left to pursue her MBA in 2005, and returned as an Associate in August 2007. Bobbi works from the New York City office in the Higher Education/Not-for-profit sector. Bobbi has been the senior analyst on many high profile private and public colleges and universities and 501c3’s, including Princeton University, University of Virginia, the Museum of Modern Art, and the New York Public Library. She is the sector lead for 501c3’s. Bobbi has published many commentaries on the sector, including the higher education sector outlook and articles on affordability and student loans. She also offers her insight through public speaking at conferences, seminars, and teleconferences.Prior to joining Standard and Poor’s, Mrs. Gajwani worked in mergers and acquisitions for a telecommunications company. Bobbi started her career in investment banking at JPMorgan Chase. Mrs. Gajwani holds a B.A. degree in Economics from Columbia University and an MBA from Columbia Business School.

Dan Wilson, a Director at National Public Finance Guarantee, is responsible for business origination as part of the New Business team.� A seasoned professional with nearly 20 years of finance experience, Mr. Wilson is involved in analyzing and underwriting transactions across a wide range of municipal sectors including GO, tax backed, higher education and healthcare.� Prior to joining the New Business team in early 2014, Mr. Wilson was previously a Director in the Insured Portfolio Management Group within National and was the manager of the Healthcare portfolio.� In this position, Mr. Wilson was in charge of the monitoring and surveillance of National’s insured not-for-profit hospitals and led the amendment/waiver process for these hospitals. �Mr. Wilson also played an active role in the remediation of troubled hospitals in the portfolio.Prior to joining MBIA in 2005, Mr. Wilson worked for nearly a decade at several investment banks.� Directly prior to MBIA, Mr. Wilson was a member of the Healthcare Investment Banking Group at JP Morgan, specializing in financing not-for-profit hospital systems throughout the United States.� At JP Morgan, Mr. Wilson helped finance some of the largest not-for-profit systems in the U.S. as well as worked on merger and acquisition advisory projects.� Mr. Wilson also had extensive experience on the corporate finance side of investment banking covering a variety of industries including healthcare while working at Bankers Trust and later Deutsche Bank.� Specializing in leverage finance, Mr. Wilson helped finance a number of leverage buyout transaction for numerous financial sponsor groups.Mr. Wilson is active in various municipal industry organizations such as with the Municipal Analyst Group of New York, where he currently serves as a Board member, and also with the National Federation of Municipal Analysts. Mr. Wilson obtained a Bachelor of Arts degree in Economics from ColumbiaUniversity and Master of Business Administration degree in Finance from the University of Texas at Austin.

Lisa Zuckerman joined Dignity Health in December, 2006 as Vice President, Treasury Services. Dignity Health is one of the largest health systems in the U.S., with 39 hospitals in California, Arizona and Nevada. Lisa’s responsibilities include management of Dignity Health’s nearly $7 billion investment portfolio, as well as debt and capital structure management, and oversight of cash management functions. CHW has $4.3 billion in debt outstanding, and a swap portfolio with a notional amount of roughly $940 million.Prior to joining Dignity Health, Lisa Zuckerman spent ten years at Standard & Poor’s Corporation, most recently as a director in Standard & Poor’s San Francisco office, as health care sector leader for the western region. Lisa served on the Board of the National Federation of Municipal Analysts (NFMA), and is past chair of the California Society of Municipal Analysts. Before joining Standard & Poor’s in 1996, Lisa worked as a budget analyst for the City and County of San Francisco, and as a consultant to local governments throughout California, specializing in county hospitals and health departments. Prior to attending graduate school, Lisa worked in public and corporate finance with major investment banking firms.Lisa holds a Masters in Public Policy from U.C. Berkeley and a B.A. from Harvard University.

Ms. Newell is Director of Compliance Management and Ethics Liaison Officer at the New Jersey Educational Facilities Authority (NJEFA) responsible for developing and implementing post-issuance compliance policies and procedures.�She is a past Chair of the Advisory Committee to the IRS Divisions on Tax-Exempt and Governmental Entities and has served as a member of the Government Finance Officers Association’s Committee on Debt Management.�Prior to joining NJEFA, she engaged in the private practice of law, specializing in financing for governmental entities and conduit borrowers. Ms. Newell received her LL.M in Taxation from Georgetown University School of Law, Washington, D.C; a Juris Doctorate from Villanova University School of Law, Villanova, Pa.; and a B.A. in Mathematics from TempleUniversity, Philadelphia.

Dan Carrigg is the Legislative Director for the League of California Cities. He has over 20 years of experience working in the Legislature, for a state agency and as a legislative advocate. This is his 14th year with the League. In the past, he has served both as a Senior Consultant with the Assembly Committee on Housing and Community Development and as a Legislative Representative on state property and construction issues for the Department of General Services.

Mike Oliver leads Municipal Resource Group’s Resource Development and Utilization practice area and serves as President of the company. Mike’s services to public sector clients include advice in comparative and consolidation studies for governmental services, alternative service delivery strategies, departmental analyses and service delivery system planning. Mike serves clients by performing complex service delivery evaluations and assisting organizations in responding to the fiscal and operational challenges facing California’s local governments. Mike also leads teams conducting fiscal and service delivery analyses and presenting the findings to elected officials and employees. With over 30 years of public and private sector experience, Mike has a recognized track record of assisting clients to successfully address their complex issues. Mike has provided consulting services to public and private clients for over 17 years. Prior to joining Municipal Resource Group, he was the Director of Entitlements for Pacific Union Homes. He has served as the City Manager of the cities of Oakley, Citrus Heights and San Leandro. Mike has presented at League of California Cities and Cal-Lafco conferences and other county and professional organizations on a wide variety of subjects. His most recent presentations focus on the options for alternative service delivery and the fiscal issues faced by local government. Mike received a Bachelor’s Degree in Political Science and Master’s Degree in Public Administration from California State University at Hayward. He has also attended the Senior Government Officials course at the Kennedy School, Harvard College and participated in training courses at the Menninger Clinic in Topeka Kansas.

Tim Batler joined State Street Bank in 2002 and heads the Municipal Products business. Municipal Products includes two product lines; the Clipper Tax-Exempt Program (a proprietary tender option bond and third party trust program), and the municipal finance business that primarily offers credit and liquidity enhancement facilities to public sector issuers. Mr. Batler started his banking career at Marine Midland Bank in their management credit training program. Following the program, he was assigned to work for the chief credit officer of the world corporate banking division. He then held lending officer positions in the international corporate and airline/aerospace departments. In 1987, he joined the public banking department as a relationship manager and was promoted to Vice President in 1989. From 1990 to 2000, Mr. Batler was an executive director at the Canadian Imperial Bank of Commerce in New York and Boston where he was instrumental in the launching of their municipal credit enhancement business. At CIBC he originated and structured over $4 billion in credit and liquidity facilities on variable rate bonds and commercial paper. Mr. Batler received a BA in economics from Hartwick College, a bank lending diploma from New York University and an MBA from Fordham University’s Graduate School of Business Administration. In addition to his work experience, Mr. Batler served on the Connecticut Commuter Rail Council for six years, taught international credit analysis at New York University’s School of Continuing Education and has been a featured speaker at several public finance conferences. Mr. Batler is a registered general securities principal (Series 24) and municipal securities principal (Series 53).

Stephen D. Golding is Vice President Finance and Treasurer for the University of Pennsylvania. In his role, Mr. Golding is responsible for consolidated University financial reporting, tax, payroll, accounts payable, debt and liquidity management, cash and banking management, investment accounting and gift processing, student registration, aid and financial services, research services (pre- and post-award), insurance and risk management, financial systems and financial training. Mr. Golding serves on numerous boards and committees within, and affiliated with, the University of Pennsylvania. Mr. Golding was appointed as Vice President February, 2008.Prior to his position at Penn, Mr. Golding was Executive Director, Finance, for the Johns Hopkins University School of Medicine from 1991 to 2008. Mr. Golding also served for five years as Executive Director for the HopkinsOne ERP project. In his School of Medicine capacity, Mr. Golding was responsible for oversight of the school’s financial affairs, including financial reporting and analysis, annual budgets and projections, five- and ten-year strategic plans, sponsored and designated funds accounting and budgets, management of reserves, endowments, grants and contracts, student accounting, payroll, revenue and cash management, investment strategies, Facilities and Administrative (F&A) cost analysis, clinical practice finances, capital and facilities planning, faculty compensation, financial and accounting policy and procedures.In his HopkinsOne role, Mr. Golding was responsible for the planning, design, development and implementation of an enterprise-wide business system solution covering all of the Johns Hopkins entities, including the University, Health System and affiliated organizations. The HopkinsOne functional scope included Finance, Human Resources, Payroll, Purchasing/Supply Chain, and Sponsored Projects (Pre- and Post-Award). As overall project manager, Mr. Golding directed a team of approximately two hundred fifty staff and consultants.Mr. Golding received an MBA degree in Finance at the University of Rochester, and worked in the chemical and transportation industries before assuming his School of Medicine position at Johns Hopkins.