Banco Popular de Puerto Rico

Al Ripley�is director of consumer and housing affairs for the North Carolina Justice Center.

Mark advises clients with regard to regulatory and enforcement matters. He also assists banks with a wide variety of risk management issues, including enterprise risk management, governance, credit, capital, and liquidity. He draws on expertise developed during 33 years as a bank supervisor with the Federal Deposit Insurance Corp.Mark joined Promontory after a distinguished 33-year career in bank supervision with the Federal Deposit Insurance Corp. He served as the regional director of the FDIC’s Atlanta Region, overseeing bank supervision matters in seven states. He previously was associate director at the FDIC’s Washington office, overseeing bank supervision policy development and implementation. During his tenure at the FDIC, he represented the agency in various Basel committee matters, most recently focusing on operational risk. Mark also served on a special assignment with the International Monetary Fund, advising bank supervisors in a number of Eastern European countries.

Shamir Karkal is a co-founder of Simple, which was acquired by BBVA Compass in 2014. He is currently head of open APIs for BBVA.

Carl Rutstein is a partner with A.T.�Kearney in the Financial Institutions Practice. With extensive experience in financial services and consulting, he is an expert in credit cards, payment network economics, retail banking product development, retail banking channel management, and merchant acquiring and processing. His focus is on banking and payments. Carl is based in A.T.�Kearney’s Chicago office.�Notable client engagements include:�Credit card portfolio renegotiations and card portfolio acquisitions for top-10 banksMerchant acquiring strategy and joint venture creation for several leading banksPrograms to help large banks grow their demand deposit account customers and balances and card receivablesCo-branded airline credit card programs for two major banksRedesign of checking account products to recapture lost revenue and encourage cross-selling for a top-five bankStrategy projects for leading players across the payments value chainNew core banking system and redesign of checking account products for a leading bankPayment and card strategy for several large US banksCross-selling and digital strategies for a large card issuerEmerging payments projects for large payment companies and top 20 banks�Before joining A.T.�Kearney, Carl was president of The Kessler Group and a senior partner and managing director for The Boston Consulting Group. He also worked in investment banking at Salomon Brothers and served as an advisor to CEOs at several banks and payment companies. He was the first CEO of online travel company Orbitz. Carl earned his bachelor’s degree in economics from the University of Pennsylvania Wharton School and his MBA in analytical finance from the University of Chicago.�Key Areas of ExpertiseFinancial Institutions

Matt spent the beginning 7 years of his career on Wall street. He worked at Lehman Brothers, CRT Capital and Deutsche Bank in fixed income, sales and trading. He held the title of Vice President at Deutsche Bank before leaving traditional finance behind in 2011. In early 2012, Matt started working on what would later become Datacoup. Datacoup is a personal data marketplace that provides the tools and means for individuals to aggregate and sell their own valuable data, directly to businesses, in exchange for value or compensation. Matt is currently the CEO at Datacoup.He is also the Founding organizer of PDNYC, which is a NYC-based personal data meetup that boasts nearly 900 members.�

Ramesh is the global leader for Financial Services at IBM Research. He took on this role in January 2016 following an exceptional tenure as the Director of IBM Research - India, where he was responsible for strategy and execution of the lab's research agenda, working in close alignment with IBM business units. He led a team developing breakthrough technologies underlying innovation in services, software and systems, with a special focus on service delivery innovations and solutions for emerging markets. Previously, Ramesh was the Director of Cloud Services at IBM T. J. Watson Research Center in New York. He has been with IBM Research since 1994 and over the years led the delivery of differentiated value to IBM products and services in a broad range of areas: speech technologies, collaboration, mobile technologies and most recently cloud. Ramesh graduated from Rice University (Ph.D. 1993, MS 1990) and the Indian Institute of Technology, Chennai (B.Tech 1987).�

Nizan Geslevich Packin is an associate professor of law at the Zicklin School of Business, Baruch College, City University of New York.

Marietta Rodriguez is president and CEO at NeighborWorks America.

John Taylor is the president and chief executive of the National Community Reinvestment Coalition.