Banco Popular de Puerto Rico

Tim Bauer is an ARM (Account Receivables Management) executive with a wide range of experience in M&A, Operations, Compliance, Sales & Marketing, and Portfolio Acquisitions.��Tim is the CEO of Integrity Solution Services, Inc. (ISSI) and a member of the steering committee for the Consumer Relations Consortium (www.crconsortium.org).� In March, 2009 Bauer, and his investment entity, Reprise Management Group collaborated with H.I.G. Capital (H.I.G) a Private Equity Group based in Miami, FL to search for investment opportunities in the ARM space.� In December of 2009 H.I.G. and Reprise announced two significant strategic investments.� The first was National Asset Recovery Services (NARS) a premier provider of BPO and ARM services with near-shore facilities in Jamaica and Panama.� In December, 2010 H.I.G. and Reprise announced the acquisition of Pinnacle Financial Group (PFG) and in April, 2011 the acquisition of Integrity Financial Partners (IFP). Both of those entities became part of the NARS family. On January 1, 2013 the combined companies were re-branded under the ISSI name.�Previously Tim was engaged in a special capacity at Academy Collection Service, Inc. (ACS) from September, 2007 through February, 2009.�� He was hired at ACS to facilitate a settlement of an FTC investigation of ACS that had begun in 2006 and to explore a sale of the business. The settlement was announced in July of 2008. The company was sold later that same year.�From June of 2004 through October of 2006 Tim was with Outsourcing Solutions Inc (OSI) and OSI Portfolio Services (OSIPS).� During this time Tim held dual simultaneous roles. He was Executive Vice President of OSI, responsible for all sales and marketing efforts and he was President of OSIPS, responsible for Portfolio Acquisitions.�Prior to joining OSI, Tim was Executive Vice President of Business Development at Risk Management Alternatives, Inc. (RMA).� Tim was with RMA from January 1997 though February, 2004. During his tenure at RMA, he was responsible for all business development issues for and with RMA clients. In light of his unique background, he was also responsible for the creation, implementation, and ongoing supervision of the RMA Attorney Network, as well as the creation of new product offerings for RMA which took advantage of the resources of an in-house legal network.Prior to moving into the business development role at RMA, Tim was RMA�s Chief Operating Officer.� As Chief Operating officer he was involved in management of the company�s 25 operating centers.�At RMA Tim was also involved in nine (9) separate acquisitions; from identification of the target, to negotiation of LOI�s, to closing, and finally, to post-closing integration of those acquisitionsBefore joining RMA, Tim was a Senior Vice President of the Legal Products Group for Nationwide Credit, Inc. (NCI).� At NCI, Tim inherited legal forwarding departments that had relationships with over 500 attorneys and law firms throughout the United States.�� During his tenure at NCI, Tim reduced the number of attorneys and law firms who received new business from NCI to a more manageable roster of approximately 100 law firms.� He has also introduced new technology into the department to allow greater ease and flexibility into the management of the attorney network.Prior to joining the �Agency� world, Tim spent 15 years as a Shareholder with the Minneapolis law firm of Messerli & Kramer, P.A., where he was head of that firm�s Credit/Collections Department.Tim was one of the founding members of the first national attorney network, the American Association of Creditor Attorneys (AACA).� He was President of that organization from 1991-1992 and Vice-President from 1987-1991 and from 1992-1995.Tim obtained his B.A. from St. Mary�s University of Minnesota and his J.D. from Loyola University of Chicago, School of Law.Mr. Bauer is a frequent speaker at Credit and Collections conferences on issues ranging from �Current Trends in the Collection Business� to �Legal Networks� to �FDCPA Compliance� to �Technology Advancements�.�

Tracy Poy is Fannie Mae’s Director of Program Management and Governance within the National Servicing Organization (NSO). In this capacity, Tracy is responsible for project management, compliance and governance for the NSO New Initiatives team, which develops loss mitigation solutions and alternatives for foreclosure. Previously, Tracy was responsible for the development and implementation of the Administration’s Making Home Affordable (MHA) programs. From 2001 to 2008, Tracy managed product development, programs, business system implementation and strategy development for Fannie Mae teams focused on risk management, operations and audit. Tracy earned a bachelor’s degree in economics and government from the University of Virginia and a master of business administration degree from the University of Maryland.

Michael Taulbee is the Senior Vice President of Recovery and Director of Asset Sales for Citigroup. In this position, he is responsible for all charged-off asset sales for Citibank North America. Michael is also the Senior Recovery Liaison for Citi Cards and Citi Retail services, being responsible for working directly with the business to develop and subsequently lead the execution of Recovery strategy for charged-off, US Cards accounts.Prior to joining Citi, Michael spent almost 9 years as a debt purchaser. Active in the industry, he has been a regular speaker & moderator at many industry conferences, was a member of the ACA�s Asset Buyer Division Committee and was the ABD�s member of the ACA�s Board of Representatives.

Jonathan Gagliano is Executive Vice President of Strategic & Corporate Development at Affinity Solutions, a relationship marketing firm based in New York City. Affinity Solutions is a pioneer and industry leader in merchant-funded rewards and transaction-based marketing. Affinity is the largest provider of merchant/partner programs with over 3,000 national and regional banks, including Sovereign Bank, Capital One, and U.S. Bank, as well as over 25,000 in-store retail partners.Affinity leverages proprietary analytics applied to a range of customer data in a privacy-controlled environment, to deliver the right offers to the right consumer at the right time, and in the right channel, for its bank and retailer partners. Affinity supports numerous channels for offer delivery and redemption – including mobile, email, rewards programs, and integrated into online banking. Most recently, Affinity launched ‘Coupon on Card’, the first real-time offer and messaging platform that delivers discounts at the point-of-sale and allows for real-time point redemption at a retailer’s POS.Jonathan has worked within the financial services industry for fourteen years and held management roles in product development, marketing, operations, and customer service capacities. In his current role, Jonathan is a strategic advisor to more than fifty financial institutions to evaluate and build card-level and enterprise loyalty strategies, including ongoing engagements with four of the top ten financial institutions. Previously, Jonathan was with Regions (AmSouth) Bank where he was Vice President of Payment Products responsible for the strategy and line of business management of credit cards, debit cards, prepaid cards, and other access channels.

Joe Adams is a well known, respected leader and expert in the account receivables management industry. The Managing Director of Hampton Pryor Consulting, Joe has over 30 years� experience credit, collections, recovery and compliance. During this span, he has served as a �C� level or senior/executive operations leader for some of the leading banks, credit grantors, debt purchasers and collections agencies in the country, including CitiFinancial, CitiMortgage, Paymentech Merchant Services, First USA/Bank One, Collins Financial Services and Asset Management Outsourcing, Inc. He has managed collections and recovery operations in the United States, Puerto Rico and Canada while additionally auditing collections and recovery operations in Spain, Turkey and various countries in Central and South America. Since joining Hampton Pryor Consulting, he has helped numerous credit granting, debt purchasing and collection agency clients improve their compliance, internal and vendor management operations. Additionally, Joe serves as the Chief Compliance Officer for a number of debt purchasers and collections agencies.A native of Philadelphia, he received his B.S. from Cheyney University of Pennsylvania.�