Banco Popular de Puerto Rico

Betty Rengifo Uribe Ed.D. is Executive Vice President and head of California Bank & Trust�s Business and Personal Banking Division, reporting to CB&T's CEO David Blackford. With 25 years of experience in the financial services industry, Uribe has held senior level positions in retail banking, business banking and strategic planning. At CB&T Uribe leads a division comprised of 100 branches and multiple business lending teams throughout the State. Before joining California Bank & Trust, Uribe served as Comerica Bank's EVP, western market manager, where she successfully transformed the California and Arizona markets into the company's strongest region. Before joining Comerica in May 2007, Uribe held several senior level positions at Wells Fargo Bank, where she led the bank's number one merchant payment solutions team in its footprint; she also served as national director of sales integration & market development and was strategy director for 300 branches in Southern California, the largest market in the company. She brings significant understanding of entrepreneurship to California Bank & Trust as well, having owned businesses including Lewis Engineering, Legacy Custom Furniture, Inc. and Big-O-Tires franchises in the past.

Jeanne Capachin is a Senior Consultant with Graber Associates. Jeanne’s areas of expertise include the US payments system, treasury management, and the financial technology vendor landscape. Throughout her career Jeanne has taught bankers, vendors, and regulators about banking and payment systems issues and trends. She has also participated, on both a national and an international level, in developing training programs and has spoken at a variety of conferences on topics such as industry trends and spending patterns, electronic payment trends, regulatory issues, and strategies for success. As a banker, Jeanne led post-acquisition systems integration teams, managed large operations teams, and led product development efforts. For the last 12 years, Jeanne was an analyst focused on banking and technology. She worked for IDC Financial Insights and Meridian Research before its acquisition by IDC. As an analyst Jeanne wrote literally hundreds of research reports, presented to bankers across the Americas, Asia, and Europe; and worked with technology vendors to help improve their success selling to financial institutions.Prior to her career as an analyst, Jeanne was Director of Education with the New England ACH Association (NEACH). In this position, she was responsible for the association’s educational offerings. Prior to joining NEACH, Jeanne held positions in product management, operations management, and systems development and integration at Bank of Boston and Guaranty Bank and Trust. Jeanne has over 25 years of banking experience covering many functional roles.Jeanne regularly contributes to the Institutional FinTech and FinTech Industry Perspectives blog on IDC Financial Insights Community and tweets (@jcapachin) about corporate treasury and FinTech issues.

Charlotte is a SVP & Regional Head of Retail Banking & Wealth Management Analytics CoE of HSBC, with expertise in Strategic Planning, Business Analytics, and Products & Partnerships Development. In the past 14 years, she has worked in different countries, regional and global roles in Banking & Financial Service industry. She has a M.A. from Northwestern University, and a B.A. from NYU.

Kirk Saari is a Partner in Oliver Wyman�s Retail & Business Banking practice. Based in New York, he has led numerous engagements primarily for North American clients across all of the firm�s practice areas. His project work focuses on advising corporate and commercial banking clients on issues ranging from tactical process optimization, product and segment strategy development, and organizational change.In addition to client work, Kirk has co-authored various articles and has spoken at industry events including the IACPM and BAI Retail Delivery. His most recent publications include �Improving commercial loan pricing: A market-based approach using AFS� Market Practice Database� and �Commercial banking: competing for growth in 2012�. Mr. Saari graduated with an AB degree magna cum laude in Economics from Princeton University.