Banco Popular de Puerto Rico

Ryan McInerney is the CEO of Consumer Banking at JPMorgan Chase. Consumer Banking serves 20 million customers in 23 different states. He has held the position since June 2010. Ryan oversees a banking network with 5,400 branches, 16,000 ATMs and 76,000 employees nationwide. Chase’s number of branches is the third largest in the nation while the number of ATMs is second highest. Consumer Banking also supports telephone banking, online banking and mobile banking, which allows customers to access their accounts whenever they need. He is also leading the effort to improve the overall experience for Chase customers. Prior to his current position, he was the Chief Operating Officer for Home Lending and also served as the Chief Risk Officer for Chase’s consumer businesses. As Chief Risk Officer, he oversaw all credit risk management for the various consumer businesses and provided leadership to risk managers in home lending, auto finance, education finance, consumer banking, business banking and card services. Before being named Chief Risk Officer, Ryan was the head of Product and Marketing for Consumer Banking for three years. He led the introduction of Chase Mobile, making Chase the first major U.S. bank to use cell phone text messaging to give customers account information on demand. Ryan was a principal at McKinsey & Company before joining JPMorgan Chase. At McKinsey, he worked in the firm’s retail banking and consumer credit practice. Ryan received a finance degree from the University of Notre Dame in 1997. He lives in in Westchester County, New York, with his wife and three children.

Based in Toronto at TD Bank Group’s worldwide headquarters, Wendy leads strategy for social media and digital communication programs that help TD achieve its goals by building stronger relationships through authentic engagement with employees and customers.TD Bank Group is quickly becoming a truly social business, inside and out. The bank recently launched leading-edge enterprise social media to 85,000 employees across North America. Externally, TD has become an industry leader with programs that engage with stakeholders on social media channels, including its proprietary Social Customer Service program which has a team of representatives helping customers via Twitter 24/7.Wendy brings passion and 25 years of experience in all areas of corporate communications with roles that include VP, Corporate Communications at TD and senior roles at other leading organizations.An enthusiastic speaker, Wendy has engaged with audiences at conferences around the world on the subject of social media and TD’s transformation as a social business.

Andy Harmening is a Senior Executive Vice President and head of the Regional Banking Group at Bank of the West.� He leads approximately 5,000 team members serving more than 1.2 million consumer and small business customers in over 600 branches across the Bank’s 19 state footprint.Andy oversees the Bank’s retail strategy, including customer experience and segmentation, branch evolution, sales, product development and risk and compliance. �Under Andy’s leadership the Bank has received a number of awards and national recognition for customer service; most recently, the Bank was named one of Money Magazine’s 2013 Best Banks in America, placed first in the ath Power Small Business Study and earned eleven Greenwich Excellence Awards.In the area of customer experience, Andy’s teams lead the strategy for customer segmentation ranging from mass market to mass affluent and small to medium-sized businesses. Today, the Bank’s small business team is consistently ranked as one of the country’s top 20 lenders and a leading SBA lender.� Andy also leads the design of the Bank’s newest branches as well as the overall retail network and ATM Strategies teams. �Having overseen Deposit Product Services, Business Credit Solutions and Business Credit Management, he recently began leading the Bank’s Home Mortgage division as well.� In addition, his teams are responsible for Retail and Small Business Incentives and Group Communications and Training.Andy has more 20 years of experience across product management, finance and all aspects of retail, small business and commercial banking.� He joined Bank of the West in 2005 and in 2007 he was appointed to his current position and named a member of the bank’s Executive Management Committee. ��His prior experience includes nine years with U.S. Bank in a succession of increasingly broad roles within the Small Business and Commercial Banker divisions. ��He began his career with Fifth Third Bank in CincinnatiActive in several outside organizations, Andy currently serves as Chairman of the Board of Directors of the Consumer Bankers Association. The CBA’s members, comprised of the nation's largest financial institutions, regional banks and premier service providers to banks, collectively hold two-thirds of the industry's total assets. ��He also serves on the board of directors of the Pacific Coast Banking School at the University of Washington.Andy received his BA from DePauw University and his MBA from the University of Cincinnati.� He is a graduate of the Graduate School of Retail Bank Management at the University of Virginia.

Prior to joining CFSI, Mr. Easton spent four years as the Senior Management Analyst at the Wisconsin Housing and Economic Development Authority, where he advised the executive director and governor on state economic and housing issues, developed new financial products and services, and facilitated communications between business, investors, lenders, and state government. He also served as Wisconsin’s Director of Statewide Competitive Recovery Operations where he oversaw private sector and local government applications for American Recovery and Reinvestment Act funds.� A native of Ohio, Mr. Easton holds a B.A. in History and a minor in Black World Studies from Miami University in Oxford, OH and an Masters of Public Policy Degree from the University of Michigan. He also served as a Teach For America corps member in rural Louisiana. - See more at: http://www.cfsinnovation.com/About-Us/Our-Team/Darren-Easton#sthash.ZXC0cqOK.dpuf

Jay Freeman is a Senior Advisor to Gallup. He brings his expertise in financial services and retail banking and experience as a Gallup client to Gallup and its clients, advising them strategies to deepen customer relationships , increase market share and profitability.Jay is a native of Houston, Texas and began his banking career there in 1979. He joined Wells Fargo in 1996 through the acquisition of Victoria Bancshares, where he served as Executive Vice President. He managed Victoria’s Community Bank, including all its retail and commercial banking operations. For the last 12 years, Jay led Sales & Service Development (SSD) within Wells Fargo’s Community Bank. Under his leadership, SSD reported and analyzed sales and service data and developed sales and service best practices, including the customer experience improvement program “11 Ways to WOW!” SSD also provided regional marketing support, coordinated learning and development, and developed strategic communications for Wells Fargo Community Bank. Jay received his bachelor’s degree in business administration (finace) from the University of Houston. He is currently serving a third term as Chairman of the Board of the Bank Administration Institute. He and his wife, Cindy, live in Folsom, California.