Banco Popular de Puerto Rico

Tom Brooks is EVP of the Cards & Payments division in the Consumer Services Group for Regions Financial Corporation and is responsible for credit card, debit card, prepaid card, merchant services and Now Banking.� Regions is a top U.S. bank-holding company headquartered in Birmingham, Alabama, with $118 billion in assets, operating 1,700 banking offices in 16 states.In this role, Brooks is responsible for producing revenue growth through credit card, debit card, merchant relationships, check cashing, pre-paid reloadable debit cards, and money remittance.With 20 years� experience in the financial services industry, Brooks joined Regions in 2009 after serving as Vice President in charge of Partnership Rewards at Next Jump Inc., headquartered in Wilmington, Delaware.� Prior to joining Next Jump Inc., Brooks worked for MBNA and Bank of America for 13 years, where he held leadership roles of increasing responsibility in several areas, including strategic planning, marketing, and affinity credit card programs.Brooks holds a bachelor�s of science degree in business administration with a major in finance from Villanova University in Villanova, Pennsylvania.

With more than twenty years in the industry, Mr. Carrothers is responsible for leading the Kohl�s Card Program, managing Kohl�s credit operations, service centers and risk management for Kohl�s and non-Kohl�s Card business in-store and on-line.� These responsibilities include the full servicing for credit card issuance, underwriting, risk management, as well as support functions for Kohl�s omni-channel sales initiatives.Mr. Carrothers has held management and senior management leadership roles in investments, risk management, collections, finance, underwriting, customer service and credit operations in the U.S. and Latin America with Kohl�s, Citigroup, and Fidelity Investments.� Prior to entering the financial services industry, Mr. Carrothers worked in retail management.�As an active member of several charitable organizations for children (Junior Achievement, Bright, etc.), Troy is highly involved in the community.� He is also on the board of several professional and charitable organizations in Wisconsin and has previously worked as a part-time college professor.� Troy holds Bachelor�s and Master�s Degrees in business administration from the University of Texas at Arlington and Thunderbird School of Global Management.�