Banco Popular de Puerto Rico

Ram Sundaram is a principal of X by 2, a technology consulting firm in Farmington Hills, MI, that specializes in IT transformation projects for the insurance industry. Its hands-on experts offer planning, architecture, leadership, turnaround and implementation services.

Malcolm Chisholm, Ph.D., has more than 25 years of experience in enterprise information management and data management in�the financial, manufacturing, government, and pharmaceutical industries. He specializes in setting up and developing enterprise information management units, master data management and business rules.

Linda Pawczuk is a senior technology executive with a distinguished international career recognized for strategic leadership, business partnership, and successful execution of large, complex global transformation programs within the financial services industry.� She is respected for her strategic thought leadership and for her practical approach to delivering high risk, high impact transformation programs.� Her experience as a CTO, Senior Vice President of Technology and an international technology consulting partner is very diverse which lends to her delivery success track record and her role as an advocate for business-led technology transformation.At Deloitte, Linda is a Principal who leads the Insurance Industry US Insurance Technology Practice as well as the Dean of one of Deloitte�s esteemed technology leadership programs.� In addition Linda has authored many articles and presented to both business and technology audiences on topics including Policy Administration Transformation:� Driving the Change Agenda, Policy Administration Transformation Achieving Results in a Complex, andAnalytics for Insurers.��

Stephen is a 20-year veteran of the insurance and financial services industry with experience in business process modernization, infusing technology into business development, business strategy, sales, leadership and both technical and management consulting.� In addition to Insurance and Financial Services, Stephen has industry experience spanning Retail, Manufacturing, Healthcare, Public Sector. He has spent the majority of his time in the industry working with Financial Services firms, particularly those in Insurance, Investment Banking, and Capital Markets.� Stephen's expertise is focused on technology and product strategy, with a particular emphasis on bridging the disciplines of "business" and "technology". In addition to his business experience, Stephen has taught at several State and Private Universities for over a decade in fields of business, engineering, technology, and information security.Stephen has assembled a client list representing most of the Fortune 500 in Financial Services and Insurance, including State Farm, Progressive, MetLife, Allstate, Nationwide, Allianz, Liberty Mutual, American Family Insurance, Thomson Reuters, Fidelity, Fiserv, Citigroup, Smith Barney, Salomon Brothers, Bank of New York, and JP Morgan Chase.

Denise Garth is Senior Vice President Strategic Marketing responsible for leading marketing, industry relations and innovation in support of Majesco’s client centric strategy, working closely with Majesco customers, partners and the industry.� �

Steve Wittmuss is the commercial vice president at Farm Bureau Financial Services. Steve is charged with providing strategic leadership to support financial strength and operating efficiency. Through an exclusive, multi-state agent force, the companies affiliated with the Farm Bureau Financial Services brand underwrite, market and distribute a broad range of insurance and financial services products to individuals and businesses.Steve has been with the company since 2003, previously working at Farm Bureau Insurance Company of Nebraska for 16 years, working his way up from a field adjustor to vice president of claims He holds a Master�s degree in business administration from the University of Nebraska-Omaha and a Bachelor of Science degree in business from the University of Nebraska-Lincoln.�

Dawn Mortimer is the Innovation Director for American Family Insurance and has been there for 25 years serving in many capacities such as Strategy, Marketing, I/S, Claims, agency and product lines. She is responsible for R&D, idea management and working with American Family�s agents, employees, external partners and entrepreneurs to experiment and develop new products, services, and business opportunities.Dawn has her bachelor�s degree in business management and master�s certificate in Project Management from University of Wisconsin-Madison. She is also a Project Management Professional (PMP) with the Project Management Institute, is a Certified Usability Specialist with Human Factors International and has a certification in Alliance Management from the Association of Strategic Alliance Professionals. Dawn�s experience with project management,�technology, usability, and market development is critical to working with partners in leveraging innovation to disrupt the future.

Yunus Burhani is a software architect for X by 2 Inc., a technology company in Farmington Hills, Mich.�

Jennifer Kyung is the Zurich North America Headquarters Business Lead appointed to lead the design, development and change management on behalf of the business and employees for the new North American Headquarters in Schaumburg, IL.� Jennifer also currently leads the Women's Innovation Network (WIN) for ZNA consisting of over 1300 members in over 45 Zurich offices in the U.S. and Canada.Jennifer joined Zurich in 2003 in Product Underwriting, and her roles have included� Director of Product Management Programs, Head of Underwriting and Claims Quality & Training and most recently Head of the Underwriting Support field organization in Operations.� Prior to joining Zurich, she was a Senior Manager with Accenture performing strategic and process consulting engagements for large P&C insurers.� Jennifer holds a Bachelors degree in Economics from Northwestern University.

Mr. Rieder is Partner, Head of Ward Group, a management consulting and research firm specializing in the insurance industry, with overall leadership and responsibility for the firm.� Throughout his 20 year career, he has been involved with over 400 projects for numerous domestic and international insurance companies. Prior to joining Ward Group in 1998, Mr. Rieder spent 5 years at Great American Insurance Company working in the corporate finance departments.� Mr. Rieder holds a Bachelor of Science degree in Accounting and International Business Certification from the University of Cincinnati.