Banco Popular de Puerto Rico

John Kowalak is a Partner in the Consumer Finance Group of PricewaterhouseCoopers and has over 15 years of experience managing audit examinations and advisory projects at financial institutions, mortgage banking enterprises and finance companies. He has significant experience with accounting, valuation, and risk management activities surrounding credit risk, mortgage servicing rights, loan servicing and secondary marketing activities. He has recently worked with companies to help them navigate through the challenges of the credit crises, including regulatory examination responses, acquisitions of failed bank, risk management of loan portfolios, strategies to manage repurchase exposures and implementation of loss mitigation programs. John is a frequent contributor to PwC and external publications and speaks periodically at industry conferences and training sessions. John received a BS in Accounting from the University of Delaware. He is a member of the AICPA and a Certified Public Accountant in New York.

Scott advises mortgage servicing companies, banks and other related financial institutions on process improvement, control infrastructure and compliance matters. In addition, Scott has advised clients on recent regulatory changes within the financial services and mortgage servicing industries. During Scott's career, as a CPA and attorney, he has led numerous engagements to create and review policies and procedures; review control infrastructure; implement financial service systems; draft technical mortgage accounting memos and improve operations and compliance processes. Most recently, Scott has worked with mortgage servicing companies on developing Single Point of Contact platforms to comply with various regulatory guidance and consent orders.His areas of expertise include:Process ReengineeringPolicy and Procedure ReviewRegulatory ComplianceOperational RiskEnterprise risk managementFinancial System ImplementationFinancial Reporting and Technical Accounting

Jim is the SVP of Collection Strategy for the Card division of US Bank. He is responsible for all Consumer & Business Card, Communication, Inventory Management, Collection Treatment and Call Traffic management strategies. Jim has over 25 years of Financial Services, operations and analytic experience, in Collections & Recovery, Credit, Risk Management and Marketing analysis.

Tom Jordan is director of product development and sales solutions for TransUnion’s collections business unit. Mr. Jordan is the subject matter expert and consultant for all collection-related opportunities, helping customers maximize efficiencies within their operations and quantify their return-on-investment with TransUnion’s product offerings. Mr. Jordan joined TransUnion in 2008 with an extensive background in receivables management. He previously served as Vice President, Operations for Convergys Corporation residing over all their international and domestic collection centers. Mr. Jordan received his Bachelor of Arts from the University of Florida in Gainesville, Florida.

Tom has worked with the country’s leading financial services companies since 1991. For more than 20 years, Tom has provided strategic customer acquisition, customer communications and direct marketing management to credit and lending companies such as Advanta Corp., Capital One, The Royal Bank of Scotland and US Bank. Working on both the client- and agency-sides of the desk, Tom’s experience gave him the opportunity to pioneer highly-targeted, highly-personalized marketing and customer communications programs. While based in the UK, Tom also spearheaded all credit card marketing for Advanta’s joint venture with The Royal Bank of Scotland. In 2001, Tom was honored with the prestigious Philadelphia Direct Marketing Association’s “Direct Marketer of the Year” Award.

Alex is responsible for managing the debt sales for Wells Fargo & Company. He markets transactiotions for the majority of the Wells Fargo’s consumer businesses with the exception of Mortgage. Alex joined the company in 1993, accepting a position in Treasury Services. He later accepted a position with Wells Fargo Financial Resources, which extended his responsibilities to corporate development with respect to new markets, mergers & acquisitions, and new product resulting from acquisitions. He began his current responsibilities in 2005.Alex was raised in Chicago, Ilinois and received a bachelor’s degree in business from Boston University and a master’s of business administration from The University of Iowa. Alex serves on the board of Elim Christian Fellowship Church and the Family Selection Committee of Greater Des Moines Habitat for Humanity.

Timothy H. Murphy is the chief product officer for MasterCard. In this role, he leads the management, development and commercialization of payment solutions that create a sustainable competitive advantage for MasterCard and its customers. The Core Products group is responsible for Consumer Credit and Debit, Cardholder Solutions, Commercial, Prepaid, Loyalty Solutions and Access Prepaid Worldwide.Prior to assuming this role, Mr. Murphy was president, U.S. Region, where he was responsible for all aspects of building MasterCard�s business in the United States.Mr. Murphy also served as group executive of Customer Business Planning and Analysis where he was responsible for business planning, financial analysis and reporting, global pricing strategy, sales development and technology investment management. Previously, Mr. Murphy was senior vice president and associate general counsel for MasterCard.Before joining MasterCard in 2000, Mr. Murphy was an associate in the New York and London offices of Cleary, Gottlieb, Steen & Hamilton, an international law firm.Mr. Murphy graduated magna cum laude from Harvard Law School and magna cum laude from Amherst College. He was elected to Phi Beta Kappa at Amherst.

Brian Enneking is Vice President of Consumer Marketing at Encore Capital Group. He is responsible for the company�s direct mail and digital marketing strategies, and creating an industry-leading consumer experience. Prior to Encore, Brian was SVP of Business Development at Genesis Financial Solutions, one of the nation�s leading specialty originators and servicers of consumer receivables. He also served as President of Genesis Lending Services, which provided loans to students attending for-profit career colleges. Brian received his BA in Economics from Kalamazoo College, completed graduate work in Economics at Oregon State University, and completed the General Management Leadership Program at Columbia Business School.