Banco Popular de Puerto Rico

Lucia Uribe is a Partner in Oliver Wyman Financial Services� Retail and Business Banking practice, and has over thirteen years of experience in financial services strategy consulting. Her work has spanned consumer credit, deposits, and investments.Lucia has advised major retail banks, lenders, wealth managers, and governments on topics including general business strategy, new product design and development, customer acquisition, cross-sell and retention, sales and marketing programs, sales force and distribution management, customer experience design, client and product profitability, customer value management, marketing analytics, retail risk management, operational efficiency and effectiveness, retail network and value proposition design, and reengineering.��� A major theme in Lucia�s work is the application of a customer-centric lens to solve key strategic problems.� Examples of such work include:�For a large regional bank, redesigning the client�s consumer checking product line-up, in order to optimize the alignment of value to both consumers and the bank�For one of the major card networks, creating a detailed roadmap to become the partner of choice for issuers, by enhancing the end-customer servicing experience for the most valuable segment of cardholders�Working with numerous clients to optimize sales dialogues and results via adaptive rapid optimization toolsShe has worked with major clients throughout the United States, Canada, Australia, and the Caribbean and has been an invited speaker at industry conferences.Lucia holds an AB degree from Harvard College, where she graduated with an Honors degree in Social Studies.

As the Mobile Channel Manager at SunTrust, Kristen holds enterprise responsibility for the strategic vision and roadmap of the channel. She oversees the mobile and tablet product management team, providing business support to channel initiatives and maintaining activation and usage targets on behalf of the Marketing organization. In this role, she leverages perspectives acquired over 15 years in the digital space.Prior to joining SunTrust, Kristen focused on Online Banking as a Product Manager at Bank of America and spent several years with Accenture, LLP as a Manager in the consulting practice helping Fortune 500 companies translate business strategies to the digital space. Kristen resides in Atlanta and has an MBA from Georgia State University and a BBA in International Business from the University of Georgia. She is Six Sigma Black Belt and LEAN certified.

Armin Ajami is a Vice President and Sr. Product Manager with Wells Fargo�s Virtual Channels, focusing on mobile banking and tablet offerings.� Armin�has been�responsible for the overall strategy, product management and growth�of the Wells Fargo Mobile banking service since 2006 and has over 18 years of experience consulting and working in the financial services space.