Banco Popular de Puerto Rico

Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers. In his 32 years as a practicing attorney, Mitch has represented banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters. He represents clients in investigative and enforcement actions before the United States Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices. Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups. He is a Faculty Fellow of the Mortgage Bankers Association. Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject. His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2012) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2011).

Lori has been with U.S. Bank since 1994, and has over 19 years experience in the financial services industry.� Lori leads 98 In-Store branches that cover 5 states, and continues to open new locations. Lori began her banking career as an Assistant Branch Manager, opening the first In-Store branch in Idaho. Lori has worked in various branch and district positions within the In-Store Division, including Branch Manager, DOM and DM, prior to her current role as Regional Manager, which she has held for the last seven years. Lori prides herself on developing people and running a successful business.Before coming to the bank, Lori worked as an executive for Macy�s in California. While at Macy�s she oversaw the departments for Junior�s, China, Domestics, Electronics, Coats, and Trim-A-Home.Lori is active in her community and has participated with many organizations including the Boise/Treasure Valley Development Network, The Financial Literacy Coalition of Idaho, Soccer Club, and is a current Board Member for the Boise Public School�s Education Foundation.

Peter A. Appello is National Sales Executive for Capital One Bank�s Specialty Sales Organization, which includes Small Business Banking and Business Banking.Born and raised on Long Island, Peter received his Bachelor�s degree from Long IslandUniversity and his MBA from DowlingCollege. With more than 25 years in the financial services industry, Peter has held various leadership positions with Bank of America, Fleet Financial and Citibank.Peter leads a dedicated team of veteran, results-oriented bankers in growing business and delivering value through strategies centered on deepening customer relationships and strong, innovative products.He is a former President of the Long Island Chapter of the Risk Management Association and has donated his time to several non-profit organizations, including Hospice Care Network, Arthritis Foundation and the Society of St. Vincent de Paul.Peter resides in Merrick, New York, with his wife and children, and in his free time coaches baseball and basketball.About Capital One BankCapital One Bank is one of the top 10 banks in the country, serving millions of customers through a broad spectrum of financial products and services. Capital One Bank provides Small Business, Commercial and Consumer Banking, Online Banking and Private Banking services. The bank offers approximately 1,000 branch locations and more than 2,000 ATMs to customers across New York, New Jersey, Virginia, Washington, D.C., Maryland, Louisiana and Texas. Capital One had approximately $126.1 billion in total deposits as of June 30, 2011.Capital One Bank is a division of Capital One Financial Corporation, one of the leading financial services companies in the nation, a Fortune 500 company.

As a Senior Vice President in Capital One Bank�s Sales and Service (S&S) organization, Cheryl is responsible for driving the S&S strategies for the Specialty Sales Groups within the Small Business and Capital One Financial Advisor (COFA) divisions.�� Cheryl�s team delivers local distribution sales strategies for 750+ associates in Business Banking, Small Business Banking and the COFA division all operating in New York, New Jersey, Connecticut, Delaware, Virginia, Washington, D.C, Maryland, Louisiana and Texas.With 30 years of financial industry experience, Cheryl has held national executive level roles in Global Treasury, Business Banking, Small Business, Retail Branches and Call Centers where she is experienced in designing and executing specialized segment sales distribution strategies, managing direct line sales associates, and directing national deposit product strategy.�� During her career she has worked for several Fortune 500 organizations including 25 combined years at Fleet Bank and Bank of America as well as working at the Royal Bank of Scotland�s Citizens Bank before joining Capital One in 2010.�Through 30 years of differentiated and progressive experience, Cheryl has a unique 360o view of the business enabling her to drive strategies by capitalizing on her experience leading sales teams and her strong capabilities executing long-term strategic plans.� She has led several strategic initiatives throughout her career including reengineering Fleet�s Small Business Specialist program into a multi-year delivery of double-digit revenue growth.�� Cheryl earned Bank of America�s distinguished Award of Excellence recognition for driving regional results that doubled national average production performance.� At Citizens Bank she created the blueprint for new phone capabilities including lending delivery as well as phone relationship management functionality.�� At Capital One, she installed new Sales Process and Sales Management routines, created new variability tools, installed a pitchbook and playbook platform, launched a new CRM tool all resulting in a consistent reduction in banker variability and as well as significant multi-year improvement in the production of both top and lower quartile bankers.�A Boston native, Cheryl earned her MBA at Suffolk University in Boston.�� She also graduated from the CBA/BAI Graduate School of Retail Bank Management where she is currently on the faculty.� She remains in Massachusetts with her husband Bob and their 16 year old triplets Alex, Samantha and Nicole as well as their 14 year old son Noah.

As Head of Marketing Planning, Astrud is responsible for providing the strategic leadership for all marketing initiatives for ANZ in New Zealand. This includes developing and managing the marketing plan and associated budgets.In addition, Astrud is responsible for delivering the strategy and segment specific marketing plan and customer strategies across the small business market.� A particular focus has been on developing the BizHub a resource for small businesses and people looking to get into business.Astrud has 18 years marketing experience the majority of it within the financial services industry. Her career has been split between New Zealand and the United Kingdom, working for banks, finance companies and in advertising agencies.

Jason Alderman is a senior director at Visa Inc. and runs the company’s global financial literacy initiative, which includes the award-winning Practical Money Skills for Life and What’s My Score? programs. As part of his work at Visa, Mr. Alderman writes a weekly personal finance column that is carried in over 500 community newspapers throughout the U.S. Prior to joining Visa at the start of 2006, Mr. Alderman handled communications for Pacific Gas and Electric Company, one of America's largest utilities. Mr. Alderman’s career also included service as a Congressional staffer in Washington, D.C. on the House Appropriations Committee and as the legislative director for the late Rep. Sidney Yates of Illinois. In that post, he helped oversee the multi-billion dollar budgets for the U.S. Department of the Interior and the Smithsonian Institution. Mr. Alderman sits on the board of the JumpStart Coalition for Personal Financial Literacy and is the founder of the Bay Area Center for Voting Research.