Banco Popular de Puerto Rico

Tom Kozlik, Director and Municipal Credit Analyst, joined Janney Montgomery Scott, a regional broker dealer based in Philadelphia, PA in 2008 after eight years at UBS and Bear, Stearns. In his role as a municipal credit analyst Mr. Kozlik advises Janney’s retail and institutional clients about the strengths and weaknesses of municipal market credit profiles. He also follows and comments on municipal market trends and credit events in Janney’s menu of Fixed Income Strategy publications. His work has been quoted in various periodicals such as the Wall Street Journal and has appeared as a guest municipal credit expert on CNBC and Fox Business News. Mr. Kozlik graduated from the Schreyer’s Honors at the Pennsylvania State University with a degree in Political Science with Honors and earned a Masters of Governmental Administration from the Fels Institute of Government at the University of Pennsylvania. He co-taught a graduate level class at the University of Pennsylvania titled the Business of Public Finance Investment Banking which is offered to students at the Fels Institute of Government and Wharton Business School.

A.B. Stoddard, who has covered the U.S. Congress since 1994, rejoined The Hill newspaper in 2006 as an associate editor and columnist. After working as a congressional reporter for The Hill from 1995-1999, Stoddard was hired by ABC News to cover the Senate as a producer for World News Tonight and all other ABC News broadcasts. She then worked as a contributing editor for Congressional Quarterly, and freelanced at several publications including The Federal Paper and the Boston Globe.Since returning to The Hill in 2006 Stoddard has appeared regularly on FOX News Channel and MSNBC, as has also appeared on and CNN, NBC, CBS, PBS and BBC. Her column won first place Dateline Awards from the Society of Professional Journalists' Washington DC chapter in 2010 and again in 2011. It appears Thursdays in The Hill. Stoddard is a graduate of Connecticut College.

John Sugden is a Sr. Director in the U.S. Public Finance department and Sector Lead for Pensions at S & P Global Ratings in New York. John joined Standard & Poor’s in 2002, covering state and local credits along the east coast. He joined the U.S. States group in November 2010 and in 2013 became the team’s Analytical Manager. After managing the team for three years, in August 2016, he took on a new role as USPF Sector Lead for Pensions. In this function, John is responsible for USPF’s criteria development, analytical training, and market outreach related to pension and other long-term liabilities.�

Barbara Flickinger is Chief Credit Officer of National Public Finance Guarantee Corporation. She is responsible for ensuring that new business transactions adhere to National’s underwriting standards and risk limits. Prior to assuming this role, Ms. Flickinger was a senior member of National’s Portfolio Surveillance Group and managed the group responsible for monitoring debt issued in the western half of the U.S. She has also held positions in New Business working directly with issuers, advisors and bankers in underwriting new transactions.Prior to joining MBIA, Ms. Flickinger worked for Moody’s Investors Service was and responsible for the ratings of a number of major issuers including the State of Texas.Ms. Flickinger has worked her entire career in public finance, including the U.S. Senate Senator Patrick J. Leahy as well as in the Executive Office of the U.S. President (Office of Management and Budget). She earned her Bachelor’s Degree from Princeton University and holds an MBA from the Yale University School of Management.� Ms.Flickinger was named a 2016 Trailblazer by Women in Public Finance.� She is a member of the National Federation of Municipal Analysts and has served on the Advisory Council to the Governmental Accounting Standards Board (GASB).�

John J. Cross III serves as Associate Tax Legislative Counsel at Treasury (November 2014 to present and 2006 to September 2012).� He specializes in tax-exempt bonds and other tax-advantaged municipal bond programs. At Treasury, Mr. Cross has significant responsibility for tax legislative, budgetary, and regulatory matters in this area generally.� He had a significant role in the agency’s regulatory response to the 2008 financial crisis with respect to the tax-exempt bond market and in implementing numerous municipal bond stimulus tax incentives in the American Recovery and Reinvestment Act of 2009.� From September 2012 until November 2014, Mr. Cross served as the first Director of the Office of Municipal Securities at the U.S. Securities and Exchange Commission, which was established under the Dodd-Frank Act as an independent SEC office to oversee the municipal securities market, with a requirement that its Director report directly to the SEC Chairman.From 1994-2006, Mr. Cross was a partner in the Washington, D.C. office of Hawkins Delafield & Wood LLP, a national public finance specialty law firm. From 1990-1993, Mr. Cross served in the Financial Products group of the IRS Chief Counsel’s office, where he was one of the principal authors of the arbitrage regulations on investment restrictions on tax-exempt bonds.� From 1981-1990, Mr. Cross was in private practice in Atlanta, Georgia.Mr. Cross has a B.A. Degree from Brown University (1978), a J.D. Degree from Vanderbilt University Law School (1981), where he was a member of the Vanderbilt Law Review, and an L.L.M. in Taxation from Georgetown University Law Center (1988).� Mr. Cross has served as Chair of the American Bar Association (“ABA”) Section of Taxation’s Tax-Exempt Financing Committee (2003-2005) and Chair of the National Association of Bond Lawyers’ General Tax Committee (1995-1998) and a member of its Board of Directors (2001-2004).

Geoff is a Managing Director and Senior Sector Leader for Standard & Poor’s U.S. Public Finance (USPF) and Global Infrastructure groups, focusing on Infrastructure, Public Private Partnerships and Environmental, Social and Governance (ESG) ratings.�� Since joining S&P in 2000, Geoff has served as an analyst, a muni pool and a pension sector lead, a regional office head, and a Lead Analytical Manager for the Transportation, Public Power, Water-Sewer Utility, and Housing teams. Prior to joining S&P, Geoff served as the CFO, for the City of Gloucester, Mass. and Administrative Officer for the City of North Adams, Mass.

Joyce A. Parker is an ICMA credentialed manager and has worked in city management in Michigan and Illinois.  She has worked as a City Manager, Assistant City Manager or Township Manager for Jackson, Saginaw, Inkster and Buena Vista Charter Township in Michigan.  She has also served as a City Manager for Elgin, Illinois. In this capacity, Ms. Parker developed and managed budgets up to $250 million and organizations up to 800 employees.  Under her leadership, and with the cooperation of City government and the community, these cities have experienced rapid growth and development. Ms. Parker has a Bachelor Degree in Business Administration from Kent State University and a Master Degree of Public Administration from the University of Michigan.She is a member of such clubs and organizations as the Business Professional Women’s Club, Michigan Local Government Management Association, and the International City County Management Association.  Joyce Parker is also the recipient of several awards including the Susan B. Anthony Award for YMCA and the Spirit of Saginaw Award from the Saginaw County Chamber of Commerce.

Honorable Michael A. Nutter, the 98th mayor of Philadelphia, has set a course for America's sixth largest city aimed at growing the regional economy in a sustainable manner, dramatically improving public safety and investing in education and workforce development.With a pledge to make Philadelphia the greenest city in America, Mayor Nutter has launched an aggressive strategy, Greenworks Philadelphia that will reduce the city's carbon footprint and train Philadelphians for new green collar jobs, from weatherization to solar panel installation.Long committed to careful planning of development, Mayor Nutter has reoriented city government, giving primacy to planning as the city prepares for future development along the Delaware River, the Navy Yard and Philadelphia International Airport. He has reorganized the city's Commerce Department to improve its assistance to small businesses and to foster minority-and women-owned business.Within city government, Mayor Nutter has begun a reform drive that includes the creation of a 311 Call Center to serve better the service needs of city residents. And his administration has set bright line standards for ethical conduct, increased funding for the city's Inspector General's office and established the city's first ever Chief Integrity Officer.In response to the deepest recession in generations, Mayor Nutter launched a nationally recognized mortgage foreclosure program that links at-risk homeowners with housing counseling and related services.An academic scholarship recipient, he graduated from St. Joseph's Preparatory High School. In 1979, he graduated from the Wharton School of Business at the University of Pennsylvania.Before pursuing his career in public service, Mayor Nutter was an investment manager at a minority-owned investment banking and brokerage firm.After working in the gubernatorial campaign of Ed Rendell and the campaigns for City Council members John Anderson and Angel Ortiz, Michael Nutter won elections as a committee person in the 52nd ward in 1986, 52nd Democratic Ward Leader in 1990 and, in his second attempt, for City Council in 1991.In a legislative career spanning almost 15 years, Mayor Nutter has authored successful reform legislation in the area of ethics and campaign finance, civilian review of the Police Department, tax reform and a smoking ban in public places.

James McIntire was elected as Washington's 22nd State Treasurer in 2008. Prior to this election, he was a successful business economist for Navigant Consulting Inc. McIntire earned his PhD in economics at the University of Washington, where he founded and directed a fiscal policy center and taught economics for 25 years. He began his political career working in the U.S. Senate for Hubert Humphrey, and served as a policy advisor to congressional committee chairmen and Washington governors. He has chaired statewide boards for economic development and nonprofit housing. As a five-term State Representative, McIntire provided leadership on several financial committees. He sponsored the first state law making identity theft a crime, a constitutionally protected, "Rainy Day Account," performance audits, priorities of government budgeting, and the new Citizen Commission for Performance Measurement of Tax Preferences. During a budget shortfall, McIntire helped to re-enact the estate tax and raise cigarette taxes to pay for schools and children's health care. As State Treasurer, McIntire has focused his attention on the safety and security of public funds, the integration of sound financial management throughout state government, and the need for long-term financial planning to meet the education and transportation needs of Washington's economy.