Banco Popular de Puerto Rico

Jose Vera has 14 years of public finance experience and over his investment banking career, he has negotiated numerous bond issues for public agencies in California and Nevada. Jose's public financing experience includes land-secured / development finance, utility enterprise revenue finance, general obligation bonds and lease revenue financings for cities, counties and special districts. Jose is the Vice President of the Rotary Club of Los Angeles, one of the largest community service clubs in the United States. Jose earned his degree in Economics and a Minor in Mechanical Engineering from Massachusetts Institute of Technology and maintains FINRA Series 7 and 63 licenses. Jose serves on Stifel's internal Credit Review Committee tasked with reviewing all non-rated and below investment grade municipal bond issues prior to sale.

Tamara is a senior consultant with the Financial Risk Management group in the Chicago office of Milliman. Her prior experience includes several years at an international reinsurance company, where she worked in all areas of product development, including product design, pricing, reserving, and filing. Since joining Milliman in 2004, Tamara has led a number of high-profile variable annuity hedging and product development initiatives in continental Europe. She has specific experience in adapting the variable annuity concept for use in alternative markets, and a significant breadth of understanding of taxation and regulatory issues that affect variable annuity designs in Europe.Tamara has supported the development of a number of sophisticated derivatives-based financial risk management applications for insurance companies, including such topics as the use of quadratic programming techniques to enhance hedge performance and approaches for modeling risk-based capital reduction associated with hedging programs.Tamara is a CFA Charterholder and was recently nominated (1 of 17 worldwide) for the Professional Risk Managers’ International Association's Professional Risk Manager of the Year award. She is proficient in German and French.

Dennis is a Vice President on Moody's Higher Education/Other Not-for-Profits ratings team. He is a member of rating committee for the higher education, not-for-profit, healthcare and states rating teams and has direct analytical responsibility for a diverse portfolio of institutions, including large public university systems, complex academic medical centers and nationally prominent not-for-profit organizations throughout the United States. Dennis joined Moody’s Public Finance Group in July 2003. Dennis has authored several publications including those on donor support for higher education, tuition pricing, and liquidity as well as the rating methodology for not-for-profit cultural institutions.Dennis graduated from the Fuqua School of Business at Duke University with an M.B.A. Prior to business school, he worked in Tallahassee at the Florida Governor's Mansion in a museum management role. He has also worked with the National Association of Charter School Authorizers in Alexandria, Virginia and the Colonial Williamsburg Foundation in Virginia. Dennis holds a B.A. and an M.A. in History from the New College of Florida and the College of William and Mary, respectively.

Raymond DiPrinzio is a Senior Vice President and Team Leader of the Infrastructure Finance Team at Sumitomo Mitsui Banking Corporation. (SMBC). Based in New York, He is responsible for originating and arranging debt financing for infrastructure projects in North America. His twenty-six years of experience include project lending, investment banking and financial advisory engagements for a wide range of public and private use facilities and has provided funding for transportation, social infrastructure, environmental, energy generation, and telecommunication facilities with a particular emphasis on public private partnerships and Federal privatization. Among other engagements, he served as financial advisor to the U.S. Department of Transportation’s Transportation Infrastructure Finance and Innovation Act (TIFIA) Program Office where he provided advisory services on seven TIFIA financings and successfully closed financings for the Departments of Energy, Defense, NIH and the IRS. His most recent financings include a new complex for McGill University Hospital in Montreal and the New Oakville Hospital in Ontario where SMBC acted as Mandated Lead Arranger. Most recently Raymond was Head of Project Finance at CIFG and has held senior project financing roles at Ambac, Scully Capital and Credit Suisse. Raymond holds a BA in History, with Honors, from the University of Michigan and an MBA from the Columbia Business School. He is a member of the Editorial Board of the Journal of Structured Finance and a Member of the Committee on Revenue and Finance of the Transportation Research Board, part of the National Academies.

Jim Ofcarcik is the Manager of the Fiscal Analysis Section in Illinois Department of Transportation’s (IDOT) Bureau of Budget and Fiscal Management. Among the chief responsibilities of the Section is preparing cash flow estimates for IDOT’s main operating funds and recommending affordable appropriation levels for the Annual and Multi-Year Highway Program. Jim has been with the State for over 30 years as:Planning Analyst in the Bureau of the Budget’s (now Governor’s Office of Management and Budget) Office of Planning and Analysis from 1978-80;Revenue Analyst and Manager of Long-term Debt Analysis with the Illinois Economic and Fiscal Commission (now the Commission on Governmental Forecasting and Accountability) from 1981--91;Senior Fiscal Analyst for the Office of the Comptroller from 1991-1998. Joined IDOT as the Senior Fiscal Analyst in 1998 and became Section Manager in 2004. Jim is part of the team that teaches the Department’s “Highway Program Finance” class—IDOT’s version of the FHWA class on federal funding of highways, and has been a part-time instructor for Lincoln Land Community College and Springfield College in Illinois.

Sanford M. Stein is a partner who for more than 30 years, has served governmental and private sector clients in an array of legislative, regulatory and judicial activities in a multistate area.  His land use and zoning practice is highlighted by his work for land developers in economic development, Brownfields redevelopment, annexation, urban development, zoning and land use litigation.  He has been successful in obtaining regulatory approvals for complex mixed-use developments and commercial, industrial and residential projects.  He is also skilled in municipal tax incentive programs including tax increment financing (“TIF”), sales tax sharing programs and special service area financing.  He has represented clients in urban redevelopment projects and rail yard redevelopment in Illinois, Washington, D.C. and California. He has served as an attorney for federal, state and local governments and represents numerous parties in obtaining governmental benefits or resolving conflicts with governmental units. He has researched, drafted, negotiated and successfully steered legislation to passage. He is a registered lobbyist, representing clients in the energy, environmental, advertising, health care, transportation, financial and real estate industries. He advises clients on legislative strategy in several state legislatures and the U.S. Congress. He is active in complex land use and siting issues involving regional pollution control facilities, power plants and alternative energy facilities and is active in transportation policy and legislative initiatives for rail and port development programs.   Sandy has extensive litigation experience, including two landmark environmental decisions of the U.S. Supreme Court, Students Challenging Regulatory Agency Procedures (“S.C.R.A.P.”) v. The United States and The Steel Company v. Citizens for a Better Environment. S.C.R.A.P. helped establish federal courts jurisdiction to hear complaints by parties affected by the environmental decisions of the U.S. government. The Steel Company, which he argued before the Supreme Court, limits jurisdiction to those cases where the Court’s intervention is warranted. Sandy served as a Member of the Obama for America Energy and Environment Policy Committee, is a Member of Illinois Governor Pat Quinn’s Taxpayer Action Board. and accompanied Governor Quinn as a Delegate on the Governor's 2011 Trade Mission to China.  He is a former Commissioner on the Lake County (IL) Regional Planning Commission, a  member of the Advisory Board of the U. S. High Speed Rail Association,  serves on the Board of the Uptown Community Development Corporation, and is a member of the City Club of Chicago, the International Council of Shopping Centers, Lambda Alpha International and the American Bar Association. He served as an adjunct professor of law at the John Marshall Law School, where he taught a course on “The Energy and Environmental Aspects of Real Estate Transactions.”

Dave Johnson is a senior managing director in the Institutional Sales and Trading group atMesirow Financial. He has more than 35 years of experience in the municipal markets�industry.�Dave spent two years as head of the Public Finance group at Mesirow Financial before�rejoining the Institutional Sales and Trading group in 2016. Prior to joining Mesirow Financial�in 2008, Dave was a manager of sales and trading for Cabrera Capital Markets. Prior to that,�he worked at Van Kampen Investments, where he managed the investment process for their�tax-exempt mutual funds, overseeing approximately $13 billion in assets in more than 50�funds. He has held senior positions on both the investment and broker-dealer side, and hasextensive experience with investment-grade credits in addition to below investment-gradecredits.Dave is a frequent speaker at municipal industry conferences. He is frequently quoted in�publications such as the The Wall Street Journal and The Bond Buyer.�Dave earned a BA from Lewis University and an MBA from Loyola University in Chicago. He�also holds FINRA Series 7, 53 and 63 licenses.�He and his wife recently built a house on a stable property and live with their 44 horses on the�property.

Mr. Hartman joined J.P. Morgan in August, 2010. He has over 21 years of public finance experience both as an underwriter and financial advisor, primarily covering issuers in the State of Texas. Some of his general municipal clients in Texas include the Cities of Austin, Dallas and El Paso, Dallas-Fort Worth International Airport, the Texas Public Finance Authority and the Texas Higher Education Coordinating Board.During his career, Mr. Hartman has served as financial advisor and senior managing underwriter to numerous Texas independent school districts around the state. Mr. Hartman also has significant experience in the surface transportation sector. His transportation clients include the North Texas Tollway Authority, the Texas Department of Transportation, Dallas Area Rapid Transit, the Central Texas Regional Mobility Authority and the New Mexico Finance Authority.Mr. Hartman graduated from The University of Texas at Austin with a B.S. in Electrical Engineering and an M.B.A. in Finance. He has FINRA Series 7. 63 and 53 licenses.

Ritta McLaughlin is Senior Director of Market Leadership for the Municipal Securities Rulemaking Board (MSRB). In this position, she facilitates discussion and problem-solving among market stakeholders to address challenges in the municipal market, advocate solutions where appropriate and influence positive market practices. Ms. McLaughlin oversees external affairs of the MSRB including intergovernmental relations, legislative affairs, and all education, outreach and communication activities.Prior to joining the MSRB, Ms. McLaughlin was associate treasurer for the District of Columbia, where she handled the District’s multi-billion dollar debt management program. During her career, Ms. McLaughlin was also an executive director of J.P. Morgan, an associate director at Bear Stearns and a senior banker for a number of states and municipalities. Ms. McLaughlin’s extensive market knowledge benefits the MSRB by providing strategic thought leadership for the industry in an effort to understand trends and anticipate future needs.She received a bachelor's degree in urban policy from Vassar College and a master’s degree in urban policy and management from Milano The New School for Social Research.