Banco Popular de Puerto Rico

Doug St. Peters is the Vice President of Portfolio Management for Sallie Mae. Doug has over eleven years� experience managing defaulted loan portfolios and collection agency outsourcing. Doug�s managed-workgroup administers a $19.5 billion loan inventory, contracting with over 35 collection vendors producing over $2.2 billion in recoveries annually. Doug also oversees customer contact centers that handle defaulted student borrower inquiries. Doug is a member of the National Council of Higher Education Resources (NCHER), serving on NCHER�s private loan and FFELP Debt Management committees. He has been a speaker at several national conferences regarding student loan and debt collections. Doug holds an MBA from Butler University and a B.S. in Finance from Indiana University.

As the Chief Marketing Officer, Tom Pierce is responsible for leading company-wide marketing, advertising and communications efforts; building Cardtronics' brands; supporting Cardtronics' sales organizations and developing and implementing market strategies to increase Cardtronics' per ATM and fleet wide transaction volume.Prior to joining Cardtronics, Pierce served as vice president, marketing strategy for FIS, a $5 billion publicly-traded company providing payment and financial technology solutions for financial institutions and retailers.He holds a Bachelor's degree in journalism from Marquette University and has been an active member of his community with involvement in numerous charitable and community organizations.

Bailey Reutzel is a freelance reporter and author of MoneyTripping. She was previously a staff writer at PaymentsSource.

Mr. Maloney is Chief Investment Officer and Senior EVP for First Financial Asset Management and FFAM Capital Partners. He directly controls the entire operational platform of the Company’s receivables purchasing & finance division, including all tactical and financing strategies. Mr. Maloney holds key positions on several industry associations and user-boards, including ACA International, DBA International, and Experian.Mr. Maloney co-authored one of the industry’s official Due Diligence Guideline Manuals, and has been a presenter at more than a 2-dozen trade shows. In his 11+ years in the industry, Mr. Maloney has raised more than $175 Million, acquiring portfolios of receivables in excess of $8.0 Billion. Matthew holds a degree in Finance from Florida State University’s School of Business.

John Mathis, Ph.D., is a professor of global banking and finance and the director of the Global Financial Services Center at Thunderbird School of Global Management. He is a world-renowned economist, who is highly sought after by corporations (both financial and non-financial), global organizations, and the media for his global perspective and expertise related to the finance and banking industry and the current economic and financial crisis. His expertise includes the spectrum of industry subjects, including private equity, global finance and accounting, financial-institution management, international banking and financial institutions, international finance and trade, global economics, economic development, and country risk analysis.He has contributed numerous articles to prestigious financial journals, been interviewed by top global media, and he has been invited to speak all over the world on international business issues. In early 2009, he was tapped by the Saudi Arabian Monetary Authority to join an elite group of international thought leaders, senior Saudi officials and executives in Riyadh to discuss the impact of the financial crisis on Saudi Arabia and to help shape the country’s strategies for weathering the storm.Before joining the Thunderbird faculty, Dr. Mathis was a senior portfolio officer with The World Bank/International Finance Corp., and he was a senior financial analyst with The World Bank/International Bank for Reconstruction and Development. In addition, he was formerly chief international economist with Continental Illinois National Bank (now part of Bank of America Corp.), and was also previously an international economist at Chase Manhattan Bank (now JPMorgan/Chase). In fact, Dr. Mathis is credited with developing the legacy country-risk-evaluation systems of the financial institutions at which he was formerly employed.Dr. Mathis has written and edited several books that have become widely used – including “Corporate Financial Management” and “Offshore Lending by U.S. Commercial Banks,” broadly recognized as the definitive work on international banking and country risk analysis. Dr. Mathis’s broad field of experience and global perspective have afforded him unique expertise in applying analyses of changes in the economic and financial environment; in projecting and evaluating financial and economic developments globally; in identifying the risks and management options and policies associated with domestic and international loans and investments; in realistically evaluating private-equity investment opportunities; in developing corporate borrowing, liquidity and investment strategies and policies; and in formulating financial plans and budgets for financial restructuring employing structured products.Dr. Mathis earned his Ph.D. in economics at the University of Iowa and received both his MA and his BA (both also in economics) from the University of California, Riverside.

Derrick Carpenter is a Group Product Executive at Bank of America Merchant Services, overseeing ecommerce, mobile acceptance, international, core acquiring, security, and hardware solutions. Prior to joining Bank of America Merchant Services, Derrick spent seven years at Wal-Mart Stores Inc, where he managed closed-loop prepaid, government benefit programs and supported international financial services.