Banco Popular de Puerto Rico

John Lucker is Deloitte�s Global Advanced Analytics and Modeling Market Leader and a leader for Deloitte Analytics.� John leads the delivery of consulting services to clients for end-to-end strategy, business, operational, and technical consulting services in the areas of advanced analytics business solutions.� �Mr. Lucker has developed numerous proprietary strategies, methods and technical solutions in the areas of commercial and group insurance underwriting, risk selection and pricing,�claims management,�agency, sales force and producer management,�customer and marketing management, credit and non-credit based predictive modeling solutions for personal lines insurers, life insurance underwriting processes, soft fraud detection, telematics, rules engines and predictive modeling systems.� Mr. Lucker is a frequent speaker for industry and professional organizations and insurance company boards of directors and writes for a variety of publications.�He is a co-inventor of US Patent�8,036,919 for a �Licensed Professional Scoring System and Method�, US Patent 8,145,507 for a "Commercial Insurance Scoring System and Method", US Patent�8,200,511 for a "Method & System For Determining the Importance of Individual Variables in a Statistical Model"�and has three�other predictive modeling patents pending. �

While at Alfa Insurance Companies, Mike Rowell has been instrumental in forming the Business Intelligence Department from original charter to operating group. He created analytics from concept to implementation of meaningful results in less than 18 months and supervised development of multivariate models designed to identify profitable customer segments. Rowell is responsible for the preparation and management of the Underwriting and Development Department budget. He implemented innovative business ideas which have saved Alfa Insurance Companies millions of dollars. Previously, he was Vice President of Corporate Development and Tax Manager at the organization. Rowell graduated from the University of Alabama with a BA in Accounting and a Master�s of Tax Accounting. He received his MBA from Georgia State University.

Bruce Weisgerber is Vice President & Head of the Commercial Insurance Applications and Reporting for Munich Reinsurance America, Inc. (�Munich Re�) in Princeton, New Jersey.Since joining Munich Re in 1997 as a Business Analyst, he has held roles as Business Intelligence Architect and led the company�s Data Governance area for both the Insurance and Reinsurance market segments.� In 2009, Bruce joined the Information Technology organization with primary responsibility for the Applications and BI areas serving Munich Re�s Commercial Insurance Businesses.� He was a member of Munich Re�s U.S. Strategy Implementation team, and Predictive Analytics Taskforce.�Prior to joining Munich Re, Bruce worked as a Director of Information Technology Development and Data Warehousing for Consolidated Edison of New York and led IT�s Business Transformation Organization.Bruce is a Certified Business Continuity Professional with over 29 years of Information Technology experience. He has a Bachelor�s degree in Management from St. John�s University and a Masters of Business Administration degree in Management Information Systems from Pace University.�

Maggie Westdale is the Global Chief Financial Officer for Aon Benfield, based in Chicago.� She is also a member of the Aon Benfield Global Executive Committee.� Maggie spent 10 years at CNA in a number of senior finance roles, most recently as SVP, Corporate Financial Planning and Analysis and as the internal CFO for CNA�s Property Casualty Operations. Prior to these roles, she also served as SVP, Senior Financial Officer for the Technology Group and as VP of Corporate Finance in the M&A and Industry Analysis Group at CNA.� Prior to CNA, Maggie was an associate of Price Waterhouse LPP in financial services. She has a BA and a MBA (Finance and Corporate Strategy) from the University of Michigan.

Chris Grossman is Senior VP, Enterprise Applications, at Rand Worldwide.

Nancy Mueller is Head of Operations for Zurich North America. In this leadership role, she leads���the Business Change and IT, Operational Transformation, Operations Policy� and Administration, Premium Audit and Underwriting Support and Service teams.�� ������������������������������������������������������������������Nancy is responsible for driving and assuring the achievement of desired business results from the business division's strategic and operational transformation initiatives. As part of this role, Nancy is a key member of the Zurich Group and General Insurance Operations Councils aimed at driving operational transformation globally for Zurich. Nancy also serves as chair of the Zurich American Insurance Company Risk and Control committee.����������������������������������������������������������������Nancy previously served as the chief actuarial officer for North America.�� Before joining the Zurich organization in 1992, she held actuarial positions at the St. Paul Companies and American International Group.�����Nancy has a bachelor�s degree in actuarial science from Drake University.�� She is also a fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries.

Andy Zitney is a Senior Vice President within Allstate�s Technology & Operations � Infrastructure Services organization.In this role, he is responsible for leading the development and execution of the corporation�s information technology infrastructure and systems engineering strategy, with a daily commitment to quality and availability for the company�s employees and customers.�

Nicole is the leader of EY’s U.S. Central Advisory practice for Insurance. She has over 20 years of experience in a variety of design and delivery roles across the insurance value chain with the greatest experience in Property and Casualty and General Insurance claims. Nicole has led successful assessments and deliveries at large and medium sized carriers based in 12 different countries with a single platform delivery success at a client spanning over 20 countries.

Charles currently serves as Analytic Development Leader for AudaExplore within their Decision Sciences organization.� He is responsible for the management and delivery of decision analytics initiatives and predictive model development deployed within AudaExplore claims solutions.� He recently joined AudaExplore following successful tenures as Auto Product Management Consultant at Ally Financial and Director of Analytic Science within FICO's Global Analytic Services business unit. Throughout his career, Charles has served on a variety of predictive science and decision management optimization engagements covering multiple decisions areas.� His engagements have included the delivery of custom analytic solutions such as segmentation, scorecard modeling, behavior scoring, and decision strategy optimization for the financial services, auto, retail, consumer services and insurance industry verticals.� Charles' passion is leading the execution of data analytics that assist organizations in overcoming business challenges and drive better decisions.� Charles' academic merits include a bachelor's degree from Ithaca College and an MBA with a concentration in Quantitative Methods from Widener University.