Banco Popular de Puerto Rico

Judith A. Verb, senior vice president and regional manager, leads the community banking and branch delivery for U.S. Bank in Arizona, Nevada and Sacramento.Ms. Verb has more than 27 years of banking industry experience and has a bachelor’s degree in public administration from Franklin University in Columbus, Ohio. She began her career as a teller and has held various positions in consumer and commercial banking. Ms. Verb joined U.S. Bank in 1996.�Ms. Verb serves as a board member for the Arizona Junior Achievement and Las Vegas Sunrise Children’s Foundation.� She is actively involved in various JA and SCF events. She is also intimately involved with Women Leadership in Action, a non-profit organization. She has traveled with WLA organization to Africa to help provide orphans and other vulnerable children with basic services and educational support such as, school fees, uniforms, desks, books and other critical school supplies.Ms. Verb is one of the U.S. Bancorp women executives recognized by American Banker as a top woman banking team five consecutive years in a row.She loves yoga, spending time with her niece Jill, and vacationing in Hawaii.Minneapolis-based U.S. Bancorp (NYSE: USB), with $410 billion in assets as of�March 31, 2015, is the parent company of U.S. Bank National Association, the�fifth largest commercial bank in the United States. The company operates 3,172 banking offices in 25 states and 5,016 ATMs and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions. Visit U.S. Bancorp on the web at www.usbank.com.

Brad leads Acxiom’s Financial Services Strategy & Analytics Practice, which helps banks and payments companies drive growth through customer-focused marketing strategies, analytics, and capability improvements.� Previously Brad was a partner with Ernst & Young Consulting and a vice president with MasterCard.

Santo Cannone is Chief Product Officer for Fiserv Credit Union Solutions.� He is responsible for product strategy and roadmap development, strategic relationships with clients and connecting Fiserv’s extensive capabilities with client market opportunities.Santo’s previous experience includes leadership roles in sales, product development and management. He joined Fiserv through the acquisition of Open Solutions, where he was Senior Vice President, Group Sales.� His previous experience includes chief operating officer for ConnectWise, Senior Vice President of Real-time Systems with FIS, and several management and development positions with EDS and USERS Incorporated.Santo has a Bachelor of Science from Drexel University and a Master of Management from Pennsylvania State University.

Inga Hovhannisyan is the Vice President of Operations at Fort Lee Federal Credit Union. Ms. Hovhannisyan has over 14 years of management, training and supervision experience.� She started her career in the credit union industry in 2009 and earned her NAFCU Certified Compliance Officer Certification (NCCO) in 2010.� She holds a Bachelor of Science degree from Brigham Young University.� When she is not working, she enjoys traveling, fast cars and rock climbing.

Alexandra Dousmanis-Curtis is Group Head, U.S. Retail and Business Banking. Ms. Dousmanis-Curtis is responsible for driving the bank’s strategy in the U.S. retail and business banking segments to maximize customer and shareholder value and achieve market-leading business growth, while building customer relationships and loyalty. Most recently, Ms. Dousmanis-Curtis was Executive Vice President and Head,Retail Banking, BMO Harris Bank. In this role she was responsible for leading the performance and strategic delivery of a broad range of personal banking products and services to individuals and small businesses. Prior to that role, Ms. Dousmanis-Curtis was the Senior Vice President, BMO Harris Private Banking – Canada and Asia. She was responsible for driving market growth and enhancing client experience and employee satisfaction, as well as the full integration of CIBC’s Asian private banking business into BMO Harris Private Banking. From 2007 to 2012, Ms. Dousmanis-Curtis was the Senior Vice President for the Personal and Commercial business in the Greater Toronto Division and the Customer Contact Centers located throughout Canada. Ms. Dousmanis-Curtis is a strong advocate for enhancing local communities and supporting organizations that are bringing meaningful change. In Chicago, she serves on the boards of the Urban League and Lyric Opera. In the Canadian province of Ontario, she sits on the board of Providence Healthcare Foundation. She is a member of The Chicago Network.Ms. Dousmanis-Curtis has continued to build her formal education with business and leadership studies at Harvard Business School, University of Toronto, University of Michigan and Duke University.

As a branding expert with more than a decade’s worth of experience consulting for Fortune 100 companies, Justin specializes in the development of comprehensive brand strategies focused on increasing current customer engagement and developing new channels for growth.Over his career, Justin has worked with leading brands in retail banking, financial technology and wealth advisory services to develop customized strategies rooted in quantitative and qualitative research, consumer insights and data analysis.He is currently a Senior Brand Strategist at Brownstein Group, the oldest independently owned advertising and public relations agency in Philadelphia, as well as an Adjunct Professor at Temple University. He earned a bachelor’s degree in advertising from Temple University’s School of Media and Communications.

Bill McCracken is Chief Executive Officer of Synergistics Research Corporation (SRC), the leading provider of syndicated consumer and small business marketing research intelligence for the financial services industry. �In this capacity, he has guided SRC since 1999, specifically in client relations & business development, product development and strategic direction. �Under Mr. McCracken’s guidance, Synergistics Research Corporation continues to be the premier provider of syndicated research for the financial services industry.� Each year, the company sells research to most of the top 30 banks in the country, the top ten card issuers, and many top insurance and money managers.�Mr. McCracken has had extensive experience in the financial services industry having served in a variety of functions.� Prior to this position, Bill most recently served as Chief Financial Officer of Reliance Trust Company, one of the country’s largest independent trust companies.� Mr. McCracken’s early career was spent at Wachovia Bank & Trust, First Atlanta National Bank and Fulton Federal Savings and Loan.�Mr. McCracken graduated with a B.S. in Marketing from PennsylvaniaStateUniversity and received an M.B.A. in Finance from GeorgiaStateUniversity.� He is also a Certified Public Accountant.� Mr. McCracken is a member of the Georgia Society of CPA’s and the American Institute of CPA’s.� He is on the Board of Advisors for the Survey of Consumer Payments of the Federal Reserve Bank of Boston. He is a frequent speaker at financial services conferences, both in the US and internationally.� Mr. McCracken was born in Lima, Peru.Mr. McCracken lives in Duluth, GA with his wife and two sons.�

Heather Schlegel is a futurist tracking the future of money, economies, identity, wearable tech, relationships, augmented intelligence and humanity. She is best known by her online moniker, Heathervescent. Her research has been covered in the New York Times, CNN, American Banker, CNBC, Fox and the Atlantic. Schlegel speaks, researches and consults through her company, The Purple Tornado. Follow her on Twitter @heathervescent.

Frank Rotman is a founding partner of QED Investors. He blogs at www.fintechjunkie.com.�

Charaka Kithulegoda is the Chief Information Officer at Tangerine. He is responsible for leading and managing the bank’s IT operations and oversees the Project Management Office. With an interest in disruptive technology and biometrics, Charaka is always looking for innovative ways to make banking simpler, relevant and more engaging for the bank’s Clients.During his time at Tangerine, Charaka has spearheaded and enabled consumer-focused projects such as the launch of Tangerine’s mobile banking platform, voice banking and biometrics – along with many other products and services that have utilized technology to provide an exceptional customer experience.An avid runner and cyclist, Charaka has participated in Princess Margaret Hospital’s annual Ride to Conquer Cancer since its very first year. He has volunteered his skills and passion for technology to help The Stop, a local community-based organization, to define and implement a sustainable IT strategy.Charaka received his EMBA from the Ivey Business School in 2014. He was named IT Leader of the Year by Computer World Canada in 2011 and Mobile Banker of the Year by Mobile Technology News in 2013.