Banco Popular de Puerto Rico

John Owen joined Regions in July 2007 and is head of the Consumer Services Group, which includes Consumer Banking, Mortgage Banking, Corporate Marketing, Service Quality and E-business. He also serves as a member of the Executive Council for Regions, a top U.S. bank-holding company headquartered in Birmingham, Alabama, with $130 billion in assets, operating 1,726 banking offices in 16 states. Prior to being named head of Regions’ Consumer Services Group in 2009, Owen served as head of Operations and Technology. Before joining Regions, he served as chief executive officer of Assurant Specialty Property, a Fortune 500 company based in Atlanta, Georgia. Owen began his service at Assurant in 1998 as senior vice president of Information Technology. From 2003 until 2005 he held the position of chief operating officer of Assurants’ Property and Solutions Group and then was promoted to chief executive officer. Owen also served as senior vice president of Global Systems Development for Citicorp Credit Services and chief information officer of North American Operations for Arrow Electronics. He began his career in 1983 in information systems with American Airlines and McDonnell-Douglas. Owen holds a bachelor’s degree in Aviation Management from Auburn University’s School of Engineering in Auburn, Alabama. Owen is a graduate of Leadership Alabama, a board member on the Consumer Bankers Association, and a member of the Financial Services Roundtable.

Freddie Seba has held a variety of corporate and entrepreneurial positions, during which his multilingual and multicultural background have served him well. Mr. Seba has over 20 years business experience working with Latin American and Mexican nationals in the US and abroad. Mr. Seba managed a $400 million US-based operation focused in Latin America and Mexico. Mr. Seba's work at large multinationals includes Ingram Micro Inc. and Epson America Inc.; his startup experience includes Print-Nation and Pontiva. Mr. Seba has lectured at Stanford University's Continuing Studies, worked as business plan judge at the Yale School of Management-National Business Plan Competition. He has been a guest speaker at the University of San Francisco, Stanford's Latin American Entrepreneurship Society, Federation of Latin American Banks (Felaban) and Intelecard Expo. Mr. Seba is currently Board of Director of HispanicNet, a Silicon Valley based non profit organization. Mr. Seba holds a BA from the Universidad Santa Maria, an MBA from Yale University and a MA in International Policy Studies from Stanford University.

Paul Breloff is the founding managing director of the Accion Venture Lab, a seed-stage investment initiative that supports with the world�s most innovative financial inclusion startups. He has advised CGAP (a financial inclusion research center housed at the World Bank), Root Capital, Shell Foundation, BRAC, and others on access-to-finance issues in Latin America, Asia, and Africa. Previously, Paul worked with SKS Microfinance, India�s largest microfinance institution, leading business development and strategic initiatives. He has also practiced law with Mayer Brown, worked as a consultant for McKinsey, and worked as an advertising account executive for Leo Burnett. Paul graduated from Amherst College and the Yale Law School.