Banco Popular de Puerto Rico

Ethan G. Teas is a Principal with Novantas in the Chicago Office. He is a specialist in banking strategy, and a leader in the distribution practice for Novantas. Areas of expertise include: Branch/ATM Network Strategy and Transformation, Online and Mobile Channel Strategy, and Customer Experience. During his 10+ years of consulting experience, he has served banking, brokerage, payments and insurance clients in the U.S., Europe, and Latin America. Today, Ethan�s work is focused on retail bank distribution.� Recent speaking and publishing is centered on changing consumer preferences, strategies for the multi-channel consumer, the strategy and tactics of branch rationalization, and ATM strategy.

Patricia (Trish) Baxter, Esq., serves as Compliance Officer for Recovery Management Systems Corporation, a bankruptcy debt purchaser and servicer. She also represents clients in the Accounts Receivable Management Industry regarding regulatory compliance and litigation matters. Trish is a member of the DBA International Board of Directors, where she serves as Ethics Committee Chair and Education Committee Co-Chair.Her prior industry roles include serving as General Counsel for Collins Financial Services and Paragon Way in Austin, Texas and as General Counsel for Unifund in Cincinnati, Ohio. Trish received a B.A. and an M.B.A. from National University of San Diego and she earned her Juris Doctorate degree from Widener University. Trish is also an active participant in industry lobbying efforts at the state and federal levels, and she has presented a variety of continuing legal education seminars.

Farhan Siddiqi is Bank of America�s senior vice president of online banking. Siddiqi is responsible for all aspects of strategy and development for the bank�s primary online channel, bankofamerica.com, including leading cross-functional teams and partnering with other business segments, products and technology to drive online performance. He joined the bank in 2012 and his additional responsibilities include oversight of research and development and digital product management.Siddiqi has nearly 20 years of experience in profit and loss management, devising strategies, business development and designing products for the e-commerce, financial services, high-tech and consumer industries.Prior to Bank of America, Siddiqi was responsible for leading branded payment solutions at Target, including driving the enterprise loyalty program, growing a multibillion dollar prepaid products business and leading the mobile payments strategy. Prior to this role, he led the strategy and business development for Target's e-commerce business unit and delivered the multichannel strategy for Target.Before Target, Siddiqi was responsible for IT strategy at the software business of GE Healthcare. He was involved in acquisitions and joint ventures and led programs in engineering and service disciplines that resulted from these integrations.In addition to GE, Siddiqi had been involved in software development, distributed computing architecture, e-commerce and mobile solutions, and has worked at technology startups and consulting companies. He is passionate about developing strategy, driving business growth and leveraging technology to transform business.Siddiqi holds a BS in Electrical Engineering from the University of Kansas and an MBA from The University of Chicago.

Known for his deep industry expertise, David Mertz brings more than 25 years of experience with information technology, compliance, privacy, and risk management to his role at Global Debt Registry. David provides compliance oversight to Global Debt Registry�s operations and advises clients on best practices in this area. David has presented and written extensively on security, data integrity, and compliance issues faced by the accounts receivable industry. Recently he was president of his own consulting firm specializing in compliance, security, and risk with a significant focus on the ARM industry prior to joining GDR as their Chief Compliance Officer in September 2013. David serves on the Asset Buyers Committee of ACA International and the Audit Committee for DBA�s Certification Program. David attended Rockhurst University.

Craig Sandness is the vice president of product marketing for secure issuance at HID Global, where he is responsible for market penetration and strategic business planning and development for the company�s printer and card personalization business.Sandness holds a BA degree in International Management from Hamline University, in St. Paul, Minn., where he graduated with magna cum laude honors.