Banco Popular de Puerto Rico

Pat joined Nationwide Credit, Inc. (NCI) on August 5, 2003 as Executive Vice President with responsibility for defining and setting strategic marketing direction, as well as serving as the key contact and relationship manager for the company's top clients. He was promoted to Chief Executive Officer on November 22, 2004. An industry veteran, Carroll brings to NCI nearly 40 years of experience in call center collections, customer service and operational excellence.He joins NCI from Outsourcing Solutions, Inc (OSI). There, Carroll served in various executive capacities since 1996, most recently as Senior Vice President, National Accounts. He played a leadership role in the growth of several lines of business and was responsible for ensuring that top clients were fully engaged in its outsourcing, contingency, and portfolio businesses.Prior to his tenure at OSI, Carroll led nationwide marketing efforts for Payco American Corp. In his 32 years at Payco, which was acquired by OSI in 1996, Carroll was instrumental in establishing the corporation's first outsourcing clients in a wide variety of markets including healthcare, municipal governments, federal government student loan program, as well as collection contracts with numerous banking and financial services providers.

Michael T. Goins holds the position of Center Manager, Jacksonville (FL) Customer Contact Center for TD Auto Finance. Mr. Goins is responsible for all loss recovery and severely delinquent collection strategies inclusive of collection agency management, litigation, debt sales, severely delinquent (91+dpd), skip, repossession, repossession operations, and redemption activity. Mr. Goins has been with Chrysler Financial (now TD Auto Finance) since 1998. Prior to joining Chrysler Financial he was Vice President of Recovery for Barnett Banks, Inc. - Florida and started his finance and collections career with CIT Group in 1987. He has held industry advisory board positions and has spoken at various national conferences on topics including Loss Recovery and Debt Sales. Mr. Goins holds a BS in Business from Jacksonville University.

With more than 35 years experience in financial services, technology, operations, product management, business and strategic planning, and sales and customer service, Jim Hanisch leads the Network's technology, development and strategic planning division.Hanisch, an Iowa native, arrived at CO-OP Network in 2000 after serving as Vice President, Application Service Provider Services, for Omaha, Nebraska-based ACI Worldwide. His focus ranged from traditional ATM/POS to e-commerce, wireless commerce, smart card and Internet-based services. He additionally served as Vice President, Product Management and Strategic Planning for USPI, a start-up processing venture funded in part by ACI. Early in his career Hanisch spent two years at ACI, where he was responsible for Base24 product management.Before USPI, Hanisch spent 11 years at A.O. Smith/Deluxe Data Systems/eFunds (now FIS), holding positions in technology development, product management and general management. During his tenure at Deluxe, he worked closely with CO-OP Network, ultimately leading the business unit responsible for the CO-OP Network relationship.Hanisch began his career as a management trainee at Norwest Bank (now Wells Fargo) in Des Moines. He held various positions in operations and EFT systems, with expertise in cash management products, on-line teller systems and EFT. He was involved in the formation of several of the early mid-western EFT networks in the 1970s and was the first president of the Diebold TABS Advisory Group.Hanisch has served or serves on the boards of the Electronic Funds Transfer Association, RewardsNow, Early Warning Services, ResolverGroup and CU ATM Services. He currently lives in Rancho Cucamonga, Calif., with his wife, Barb.

Leland Englebardt is Group Head, Network Solutions at MasterCard.� In this role, he leads the team responsible for business management of MasterCard�s global switching platforms for credit, debit and prepaid products.� The MasterCard Network switches more than 34 billion transactions per year, in 150 currencies, initiated with MasterCard, Maestro and Cirrus-branded cards in 210 countries and territories worldwide.�Previously, Mr. Englebardt was responsible for MasterCard�s global ATM business and represented the Global Network Products business unit to MasterCard�s North America regional management.������In 2011 and 2012, Mr. Englebardt was issued US patents for payment card and network innovations.� Mr. Englebardt also invented the MasterCard Debit Hologram, which is required to appear on all Debit MasterCard cards issued in the United States.�Mr. Englebardt joined MasterCard in 1997 as vice president, Franchise Management Rules, Standards & Strategy.� In that capacity, he was responsible for creation, development and communication of global rules and standards for all MasterCard credit and debit brands.�Mr. Englebardt also represents MasterCard on international organizations and committees.Prior to joining MasterCard, Mr. Englebardt was a partner in Strategy Associates, a New York-based consulting firm providing strategic counsel to directors and executive officers of international corporations.� Mr. Englebardt began his career as an attorney in private practice in Connecticut, specializing in litigation and serving as Assistant Town Attorney for Westport, Connecticut.� He is the author of two books on legal subjects.Mr. Englebardt received a BA degree from Dartmouth College in Hanover, New Hampshire.� He also holds a JD degree from Boston College Law School, an MBA degree from New York University�s Stern School of Business, and a certificate in management from the Darden Graduate School of Business at the University of Virginia.��

David Schneider is President of PULSE, a Discover Financial Services company headquartered in Houston, Texas. PULSE is one of the nation’s leading debit/ATM networks, currently serving thousands of banks, credit unions and savings institutions across the country. The network links cardholders with more than 415,000 U.S. ATMs, as well as point-of-sale terminals at retail locations nationwide. Through its global ATM network, PULSE provides worldwide cash access for Diners Club and Discover cardholders through more than 1.3 million ATMs in over 110 countries.Mr. Schneider also serves as Senior Vice President, Corporate Debit Strategies and Products, of Discover. He is responsible for managing PULSE, and for evaluating debit growth opportunities, including acquisitions, alliances and new products.Before joining PULSE in September 2000, Mr. Schneider was a partner in the Houston office of Fulbright & Jaworski L.L.P., practicing in the Corporation, Banking and Business Department.Mr. Schneider has a B.A. in economics, summa cum laude, from Tulane University and a J.D., magna cum laude, from Georgetown University Law Center.