Banco Popular de Puerto Rico

20 year history in auto lending.� Founder and CEO of 3 companies, starting with Triad Financial which grew to $4 billion and purchased by Ford Credit.� More recently,�CarFinance.com, and currently�Springboardauto.com.� DevelopedRoadLoans.com�in 2001, one of the early pioneers in online direct to consumer auto lending.� Jim also has history as CEO of a California bank that had a $1.5 billion subprime auto portfolio.�Springboardauto.com�is a Fintech company created to partner with credit unions and banks to expand their direct auto loan capabilities.

Elizabeth Khalil is a partner at Dykema Gossett PLLC in Chicago and Washington, DC. She focuses her practice on regulatory compliance for financial institutions, as well as for their third-party service providers. She formerly held senior attorney and compliance positions at the Comptroller of the Currency (OCC) and Federal Deposit Insurance Corporation (FDIC). She also served as a senior associate at Hogan Lovells US LLP (formerly Hogan & Hartson), where she led the team that produced the original PLI Financial Institutions Answer Book. Throughout her career, she has served as a subject matter expert on vendor management/third-party risk management issues and, as an enforcement attorney at the OCC, worked on investigations and enforcement actions involving third-party relationships.She is a member of the International Association of Privacy Professionals, American Bankruptcy Institute, and Federal Communications Bar Association. She graduated from Georgetown University and the University of Michigan Law School.

Mark has over 15 years of Customer Experience consulting and project management with a focus on the relationship and interdependence between business goals, contact center operations, and technology.� His background includes hands on contact center operations and sales management as well as certifications in Global Customer Experience Management, COPC, and PMP.� Mark has a particular passion for uncovering the entire customer journey through needs analyses and customer effort audits to drive strategies that link customer experience design to an organization’s brand.

As executive vice president for Cullen/Frost, Louis Barton oversees the enterprise wide risk management and third party risk management programs, corporate privacy and cyber awareness. Louis has been a Frost banker since 1996.Additional responsibilities include coordinating operational risk management activities and operational risk reporting. He also co-chaired the American Banker’s Association working group for mid-size banks and taught classes at the Bank Operations Institute.Previously, Barton was the director of the Business Intelligence and Data Warehouse operations. He also managed the century date change program for the company, and participated in special White House activities during the Clinton administration intended to bolster public confidence in the banking system.He testified before Congress on financial institution and customer risk, attended Federal Reserve Board of Governors meetings, and spoke at the National Press Club in Washington.Barton is a graduate of the University of Houston with a degree in management. He is also a Certified Information Privacy Professional and has a degree in professional photography from the New York Institute of Photography.He is author of the book “Check Processing Operations” published by McGraw-Hill. He has over forty years of experience in the banking and finance industry.

Signe-Mary McKernan is a senior fellow at the Urban Institute.

Wes Spencer is an information security professional with over 10 years of experience.� In his current role, Wes oversees the Information Security Program for his bank.� He is also an advocate for information security and enjoys education and speaking opportunities across the country.� Prior to working in finance, Wes was a professor of Information Security at Murray State University, where his research interests were in network security and cybercrime.� In 2013, he released a popular documentary on the Silk Road takedown, which currently has over 300,000 views.� The documentary can be viewed on YouTube:� https://www.youtube.com/watch?v=LkRhBOZSw38

Hugh Carney is vice president of capital policy for the American Bankers Association.

When you hear Ally graduated from MIT, you might suspect she is a data analyst. And really, she is.However, she sees data as people, which is why she’s leading content strategy for Collections at Capital One. After all, missing a payment (or multiple) can be one of the most emotional touch points in many customers' lives, and she's making those digital interactions more human.She’s also been known to call frustrated customers directly just to listen to them; she truly wants to improve the lives of customers with every fiber of her being. So much that she joined the content strategy team as its first employee -- speaking the same language as customers is THAT important to her.This couldn’t be more perfect for Ally, whose background is incredibly diverse -- she’s been a high-level figure skater (training with Olympic champions); an intern for The View (ask her about Barbara Walters sometime); an analyst on Wall Street; and Product Manager at Bundle (which, through an acquisition, is how she joined Capital One).And fair warning: She also carries a #selfie stick with her at all times.

Melody�Lee is Director, Brand Strategy & Planning at Cadillac.�In this position, Lee is responsible for building Cadillac’s global brand identity and driving a clear and consistent strategy across all of its channels, products and markets. As part of her portfolio, she oversees brand marketing and product launch communications strategy, as well as the partnerships and experiences that drive Cadillac’s reputation and brand image.Prior to joining Cadillac, Lee was executive vice president at Hill+Knowlton Strategies, one of the world's leading public relations agencies. At H+K, Lee provided strategic communications and public affairs counsel to corporate�clients, and lead the office of the global�chairman. Her specialties�included transactions, crisis and litigation and public affairs support for�clients.�Lee has a depth of experience in high-stakes crisis and�transaction situations for high-profile clients, and her work at H+K Strategies included�strategic�and tactical campaign execution for American Airlines in Tokyo, Japan, as well as leading�communications around several large mergers and acquisitions. She�was also a member of�the team that provided international communications, media relations and research�assistance to the International�Olympic Committee in 2008, both in Beijing and in�Lausanne, Switzerland.Before�transitioning into the role of�executive vice president at�Hill+Knowlton�Strategies,�Lee was�a�director�at Public Strategies.�Prior�to joining Public Strategies, Lee led market research and logistics�analysis for a major national advertising company. She�has also worked for the�Bureau for Citizenship and Immigration Services of the U.S. Department of�Justice and as a project manager for�a promotional goods manufacturer in�Beijing, China.Lee speaks conversational Mandarin Chinese. She holds a bachelor’s degree and a Master of�Science in international affairs from Georgia Institute of�Technology, and also�attended the Lyndon B. Johnson School of Public Affairs at the University of�Texas at Austin.

Jami Wintz McKeon directs the firm’s strategic growth and its steadfast commitment to client service. She is the first woman chair in Morgan Lewis’ 150 year history, and is one of the few women leading global law firms. As the leader of one of the biggest in the United States, and one of the Global 25, Jami oversees the work of 2000 lawyers across 28 offices.� She is an accomplished trial lawyer and counsels clients in high-stakes crisis litigation and regulatory investigations. Focusing particularly on the financial services and technology industries, she has led bank-related investigations and litigation for some of the world’s largest banks.��Jami has addressed audiences at a number of premier leadership conferences and industry events,� including� the Financial Times’� Innovative Lawyers North America Awards ceremony (December 2015), the Global Law Firm Leaders Conference (September 2015), the Big Law Business Summit hosted by Bloomberg BNA (July 2015), and the Center for Women in Law’s Power Summit on Law and Leadership (April 2015). She was recently interviewed by BBC News’ Alice Baxter for a broadcast segment on “Business Live” and has received numerous awards and recognitions, including a Special Achievement Award from the Financial Times.�� Jami lives with her husband and four children in the Philadelphia area.