Banco Popular de Puerto Rico

Mark A. Zalewksi is Director of e-Business Solutions at the American Financial Services Association in Washington, DC where he is staff liaison to the National Title Solutions Forum and Credit Risk Management Committees.� Mr. Zalewski has held various executive positions in product, software development, telecommunications systems and global business development during his 25 plus years experience in the financial retail services industry.� He has a solid track record of being on the leading edge of product innovation for new market penetration and expansion for start-up and mature organizations.� He is credited with effecting the sharing of global ATMs, acceptance of credit and debit cards in fast food, grocery, convenient stores, USPS and pioneered Internet payments.� He has been an officer at HSBC, Goldome Bank, Global Payments Inc., GTE Spacenet, CyberCash Inc. and Longitude Systems.He is a past chairman of ISO TC68, following a nine-year term that ended in 2006, which has responsibility for the development of international standards for use in the financial services and securities industries.�He currently serves as Treasurer of Loudoun County Christmas in April, an affiliate of Rebuilding Together�, is President of the Bluemont Citizens Association and Vice President of the Friends of Bluemont.Zalewski received a Bachelor of Science degree from State University College at Buffalo and an MBA in Finance and Marketing at Canisius College.� He also graduated from the Graduate School of Retail Bank Management at the University of Virginia’s McIntire School of Commerce.

Lindsey Riley is a business banker at Reliance Bank in Altoona, Pa.� She received her Bachelor of Science degree in Elementary Education from Geneva College in 2009.� After graduation, she taught 5th and 6th grade before making a decision to change careers. In 2013, she became the first management trainee at Reliance. After completing the program, she�was a mortgage lender. This spring, she completed the required courses to receive her�ABA Business Banking and Commercial Lending Diploma.

Edmund Lin is the global leader of Bain & Company's financial services practice.

Matthew Thompson is currently the Director of Business Development at Capital One in the company’s Digital Consumer Identity Team.� An industry recognized thought leader in digital identity, Matt has spent years in various leadership positions within the Identity Ecosystem Steering Group (IDESG) and currently serves as Chair of the Management Council. In 2010,� Matt co-founded, ID.me, an identity management software company recognized as one of the “100 Brilliant Companies” by Entrepreneur Magazine in 2014.A graduate of the Virginia Military Institute and Harvard Business School, Matt is a proven business leader, a successful entrepreneur, and a decorated combat veteran. He served as an Army Ranger, completing four deployments to Iraq and Afghanistan. Matt’s professional experience includes positions at McKinsey & Company and Goldman Sachs. Matt serves as a member of the Board of Directors and Chair of the Audit Committee for the largest homeless veterans support organization in the country. In this capacity, Matt works directly with the CEO on strategic initiatives in the area of preventive services and care for Iraq and Afghanistan Veterans.Matt and his family reside in Northern Virginia.

Doug Nielson is Senior Vice President, Innovation Research and Development at U.S. Bank. Doug leads the Research & Development team which focuses on identifying and exploring new concepts, technologies and business models to generate new revenue streams and enable business line growth across the bank. His team also manages U.S. Bank’s engagement with the Fintech ecosystemPrior to U.S. Bank, Doug held a variety of global product strategy, development and management roles for American Express in the U.S. and Europe.� During his tenure at Amex, Doug was responsible for launching numerous innovative payment solutions.Doug has a Masters of International Management from the Thunderbird School of Global Management and a Bachelor of Arts from Washington State University.�

Natalie Hunt joined Fannie Mae in October 2004.� She currently holds the position of Director of Strategic Product Management in the Single-Family Division at Fannie Mae, where she is responsible for the transactional data standards and implementation activities for customer-facing applications. Natalie is an experienced product management professional with experience in driving large-scale strategic complex transformation projects from inception to implementation.�Prior to joining Fannie Mae, Natalie led engagements that supported business and technology-driven change in the management consulting industry. She has over 17 years of financial, consulting, and mortgage industry experience. Natalie is responsible for leading several industry data initiatives, including: Uniform Loan Delivery Data (ULDD), Uniform Loan Application Dataset (ULAD), and Uniform Closing Dataset (UCD) spanning across the mortgage lifecycle.� Natalie is actively involved in driving adoption of data standards and sits on the MISMO Residential Standards Governance Committee.

35 years in the mortgage banking industry, Catherine joined Guaranteed Rate in 2003 as EVP of Operations and then Chief Compliance Officer since 2006.� Previously National Underwriting Manager with Sears Mortgage and PNC.� Prior member of Fannie Mae’s National Credit Risk Advisory Committee.

Dr. Desai leads the Analytics team at Kiran Analytics. Dr. Desai has contributed significantly to the design and development of Kiran’s strategic capacity planning, forecasting, and scheduling solutions.� Of particular note is his groundbreaking work in the areas of full-time/part-time mix, full branch position planning, and wait time analytics.Dr. Desai holds a Ph.D. in Industrial Engineering from the Texas Tech University. He has published scholarly papers in scheduling and inventory control. His research interests are in the applications of descriptive, predictive and prescriptive analytics.

Stephanie Hammes-Betti is Senior Vice President of Innovation Design for the U.S. Bank Innovation Group. She leads a team who are responsible for the development and execution of Innovation engagement programs to promote and grow Innovation talent with in the company. She and her team are also responsible for providing education on new trends, managing the U.S. Bank Innovation Community, the Innovator in Residence program and for collaborating with the lines of business on the piloting of new digital tools into their marketing programs. ��