Banco Popular de Puerto Rico

Jeff Stewart is a serial entrepreneur, inventor and investor specializing in internet-enabled growth businesses. He is the founder and CEO of Lenddo, the world’s first online service that empowers the emerging class to use their online social connections to build their creditworthiness and access local financial services.Lenddo�enables businesses to simply and securely evaluate both the character and identity of customers using alternative data in order to extend credit and deliver life-improving services.Mr. Stewart is also founder, former CEO and current chairman of�Mimeo.com, a state-of-the-art, Internet-based document production service included in the 2004 and 2005 Inc. 500 lists of the fastest growing companies, the 2005 Red Herring 100 list of private companies that drive technology, and Deloitte's Technology Fast 500. In 2014, Lenddo was recognized�by the World Economic Forum as a Technology Pioneer, and Jeff was recognized as the William F. Glaser Rensselaer Entrepreneur of the Year.

Lindeen is a champion for improving the lending process and helping financial institutions compete more effectively. During his time at Zoot Enterprises, he has helped lenders develop and deploy complex solutions for credit origination. His 25-plus years of experience in marketing and technology enable him to bridge the gap between business strategy and IT practice. He is now responsible for Zoot�s marketing efforts and sharing Zoot�s industry expertise.Before joining the Zoot team, he managed the network and systems division at Montana State University-Bozeman. Lindeen also managed technology at the Los Angeles County Museum of Art for eight years. His marketing background includes consulting projects for a national mortgage lender and major market research projects.Lindeen received his BS in electrical engineering and MBA in marketing and accounting from the University of Southern California. An active member of the community, he has served as state chapter chairman for the Red Cross of Montana.

As Chief Technology Officer (CTO) at Webster Bank, John leads the Information Technology group in achieving Webster’s strategic business initiatives in consumer, commercial, professional and small business banking while supporting the company’s day to day sales and service delivery operations. John is responsible for applications, information, infrastructure, process, and service management.  Prior to Webster, John directed technology and operations consulting practices at IntegraTeam Management Solutions and Arthur Andersen Business Consulting. He was also formerly the Senior Vice President - Information Systems at Compass Bank, and worked in senior management roles at other diverse banking and financial services organizations.John received his MBA from the University of Texas at Austin.

Kenneth W. Edwards is vice president of federal affairs at the Center for Responsible Lending, and he leads its federal legislative advocacy.� This includes work on important consumer protection issues, such as residential-mortgage finance and combating predatory lending.� Before joining CRL, he practiced law in Texas.� Ken holds a law degree from the University of California, Berkeley, a master�s degree in public policy from the Woodrow Wilson School of Public and International Affairs at Princeton University, and a bachelor�s degree from the University of Texas at Austin. �

On January 5, 2011, Congressman Scott Garrett was sworn in to the United States House of Representatives, representing New Jersey’s 5th Congressional District. Since his election to Congress in 2002, Scott has burnished himself with a reputation as a leading advocate of tax relief and pro-growth economic policies, earning him awards and accolades from a number of national taxpayer and small business groups.As the Vice Chairman of the House Budget Committee, Scott is on the frontline of House Republican efforts to rein in runaway government spending and shrink our country’s ballooning national debt. In addition to his senior position on the Budget Committee, Scott is also the Chairman of the Budget and Spending Task Force for the Republican Study Committee (RSC), which advances conservative solutions to address our country’s fiscal challenges. A member of the House Financial Services Committee since his election to Congress (Financial Services Bio), Scott has been at the forefront of public policy deliberations dealing with issues related to the financial services industry, developing considerable expertise in areas ranging from securities and finance to insurance and regulatory oversight. At the beginning of the 112th Congress, Scott was selected to serve as the Chairman of the Financial Services Subcommittee on Capital Market and Government-Sponsored Enterprises. In this role, Scott presides over the subcommittee with jurisdiction over the Securities and Exchange Commission (SEC) and government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac. In addition, the subcommittee also handles all matters related to capital markets activities such as business capital formation and venture capital, as well as derivative instruments.As founder and Chairman of the Congressional Constitution Caucus, Scott is highly respected among his House colleagues as an authority on constitutional issues. Founded in 2005, the Constitution Caucus provides an effective forum for education on constitutional principles and discussion on the appropriate limitations of congressional action. Born Englewood, Scott has spent much of his life living in North Jersey, which has instilled in him a great appreciation for the outdoors. He is a leading proponent of preserving open space and protecting such natural treasures as the Highlands, the Musconetcong River and the Wallkill River National Wildlife Refuge.Prior to his election to Congress, Scott served in the New Jersey General Assembly from 1990 to 2002, as the senior Assemblyman for the 24th Legislative District, Assistant Majority Leader, and Chairman of the Banking and Insurance Committee. During his tenure, he also served on the Education, Transportation, Agriculture & Natural Resources Committees, as well as the Joint Committee on Public Schools.

Paul Saltzman is President of The Clearing House Association and Executive Vice President, General Counsel of The Clearing House Payments Company, the oldest and largest private sector payments operator in the United States. Mr. Saltzman oversees the legal, compliance, and litigation functions for the organization’s payments business and leads the strategic agenda and operations of The Clearing House Association (“Association”), a not-for-profit, membership-based business league. The Association represents the interests of The Clearing House’s commercial bank ownership on a diverse range of legal, tax, finance, legislative and regulatory matters through position papers, comment letters, and amicus curiae briefs. Under Mr. Saltzman’s stewardship, the Association has emerged as the advocacy leader for the largest commercial banks in the United States and has been recognized for its development of a research and data-driven approach to legislative and regulatory advocacy. According to the American Banker, The Clearing House has “emerged as a major voice” on regulatory and policy issues affecting the banking sector and has provided a “new leadership model” for banking industry trade associations.Mr. Saltzman has 25 years of experience in financial services, industry association management, and emerging technology development. For nearly a decade, Mr. Saltzman served as Executive Vice President and General Counsel for the Bond Market Association (now SIFMA), where he developed and steered the regulatory and legal agenda for the fixed-income industry. Under his direction, the Bond Market Association significantly increased its visibility and credibility with legislators and regulators. Among other notable achievements, Mr. Saltzman is credited with helping to lead the bond markets back to operation just 48 hours after the 9/11 attacks and establishing the organization’s European presence. Prior to joining The Clearing House, Mr. Saltzman was the Managing Director and General Counsel of Ellington Management Group, a leading alternative investment manager specializing in asset-backed securities and derivatives, where he was in charge of all aspect of the company’s legal, compliance, litigation and documentation functions, and Executive Vice President and Chief Operating Officer of Espeed, Inc., a publicly traded electronic marketplace with over 400 employees, where he successfully increased revenues, net income and market share. Mr. Saltzman was also formerly an in-house counsel for Greenwich Capital Markets and Kidder Peabody and Co., as well as an attorney specializing in structured finance at the international law firm of Skadden, Arps, Slate, Meagher & Flom LLP. Mr. Saltzman is a graduate of Clark University, received his Juris Doctor from Boston University School of Law and is admitted to the bar in the State of New York. He is a member of the New York City, New York State, and American Bar Associations and serves on the American Bar Association Banking Law Committee, the University of North Carolina Banking Law Institute Advisory Committee, the Board of Advisors of the Center for Finance, Law & Policy at Boston University, the Clark University Liberal Education and Effective Practice Advisory Committee and the Muhlenberg College Parents Advisory Council. Mr. Saltzman is also a member of the Washington D.C.-based Exchequer Club, which brings together leaders in the legal and financial services community and is a frequent lecturer and speaker at conferences and events including those sponsored by the Practising Law Institute, the International Centre for Financial Regulation and the Conference of State Banking Supervisors.Previously, Mr. Saltzman has served on the boards of the Duke University Global Capital Markets Center, the Institute for Financial Markets, the SEC Historical Society, SIFMA and Pro Bono Partnership, a leading provider of free legal services and resources to non-profit community-based organizations throughout the Tri-state area. Mr. Saltzman has also served as the Chairman of SIFMA’s Brokers Advisory Committee.