Banco Popular de Puerto Rico

Patrick McClain is Senior Vice President of Enterprise REO for GMAC ResCap. Patrick joined the organization in 1999 and has served in various positions within the REO group. Patrick began his career with GMAC within the Investor Relations group and then moved to REO serving in various front line and management positions within the REO sales group. Patrick relocated to Dallas in February of 2007 to oversee the merger of the San Diego based Homecomings Financial and the Shelton CT based GMAC Mortgage REO platforms. In his current role Patrick is responsible for all operational support and sales activities for both the Primary and Sub-serviced portfolios. Patrick is also responsible for the Insurance Services and Title Resolution groups. He earned his BA in Political Science from Purdue University.

Matt Macomber is the Executive Vice President of Internet Banking at Bank of the West. In this role, he oversees the strategy, development, and the operations of the Company’s online capabilities. This includes the Corporate web site, the consumer online banking platform, as well as the online new account origination services. He joined Bank of the West in June 2008 and is located in Walnut Creek, CA.Macomber has over twelve years of internet development and online marketing experience. Prior to joining Bank of the West, he served as Senior Vice President of eCommerce at Washington Mutual, where he oversaw the management and development of the thrift’s online consumer and small business operations. During that time, Washington Mutual became an industry leader in providing consumer internet solutions through its flagship web site, wamu.com. Previously at Washington Mutual, he held the position of First Vice President of Home Loans eCommerce, where he built and managed online solutions for consumers, mortgage brokers, correspondent lenders, and employees. Before joining Washington Mutual, Matt spent four years in the internet consulting field, serving a variety of financial services and technology clients.

Nick Miller helps commercial banks and credit unions generate more profitable relationships, faster, with small and medium-sized companies, their owners, and employees. He works with branch, field sales, and call center sales team members focusing on client acquisition, relationship development, and retention through sales process and sales execution, positioning, and expertise.�� During the past 30 years,� Nick has consulted with community, regional, and money center banks in the US, Canada, and Mexico on sales strategy implementation, value propositions, sales process, customer experience, and staff development. He has MC’d Source Media’s� Small Business Banking Conference for six years. His “Weekly Sales Thought” column circulates globally and his articles have� been published or quoted in journals including ababankmarketing.com, BAI Banking Strategies, Sales & Marketing Management, Commercial Lending Review, The RMA Journal, and American Banker.��� See his videos and articles at Clarity’s web site, www.clarityadvantage.com.

Martin Bischoff is Vice Chairman in charge of Consumer and Business Banking at Citizens Financial Group. Bischoff is responsible for Retail Banking, which is comprised of more than 1,600 Citizens Bank and Charter One traditional and in-store branches; Business Banking, which has approximately 400 business banking officers serving small businesses in 12 states; CCO Investment Services; and Corporate Marketing, which includes advertising, brand management and product development. Bischoff joined CFG from the Royal Bank of Scotland Group where his career was spent primarily in the Retail Bank in a variety of senior roles, most recently as Managing Director of Natwest and RBS Branch Networks. He is a Fellow of the Chartered Institute of Bankers and has progressed through Executive Development Programs at Harvard and INSEAD Business Schools.

Rick Otero is a hands-on marketing, operations, and process innovation executive with over 25 years of demonstrated success defining and implementing creative approaches to expanding market presence, increasing profitability, and improving a wide-range of financial service and general businesses. He has a track record of leading and delivering results oriented business transformation in a variety of growth curve conditions and across many functional areas. Rick is EVP, Services and Customer Experience for Capital One Bank, a top ten US bank that generates $4 billion in revenue, $ 115 billion in deposits, and over $70 billion in loans through more than 1000 branches in Connecticut, Delaware, Louisiana, Maryland, New Jersey, New York, Texas, and Virginia.Rick’s accountabilities include oversight of the bank’s customer experience, bank mergers & acquisitions, distribution strategy, sales performance and incentives, and continuous business improvement. He recently led due diligence for the successful acquisition of Chevy Chase Bank. Previously, Rick was the EVP, Marketing and Services for Capital One Bank, leading the bank’s marketing and business development. Prior to that he served as the Chief of Staff and interim COO for the bank directing the North Fork Bank merger integration, coordinating cross-bank and cross-enterprise initiatives, and overseeing bank deposit, loan, and treasury operations.Before joining Capital One in May of 2007, Rick was the Business Banking Sales Executive at Bank of America, where he directed sales performance for a $2.1 billion revenue segment. Under his direction, the sales team delivered value-added solutions and personalized service to business clients with annual revenues between $2.5 million and $20 million. During his tenure at Bank of America, Otero also led process integration for Card Services – integrating MBNA and National Processing Company into Bank of America. His prior Bank of America roles included the largest commercial channel migration in the history of banking and marketing acquisitions and sales effectiveness for Consumer & Small Business, Premier, Private, and Commercial Banking. His projects resulted in improved customer acquisition, accelerated de novo speed-to-profitability, and double-digit customer growth in the affluent and private banking segments. He also led marketing and customer experience work streams for the Fleet/Bank of America merger where he developed a unique method for ensuring customer growth instead of dissatisfaction. His first role at Bank of America was the strategist for $1.3 billion enterprise customer relationship program.Prior to working for Bank of America, Otero spent several years at DuPont, where he held executive positions including global operations leader, national sales director, segment marketing director, leadership development director, and director for North America Nylon. His last position there was Director, Top Line Growth, where he focused on driving growth in underperforming businesses. Rick holds a BS in Mechanical Engineering from Texas A&M University and is a graduate of Texas A&M Executive in Business program. He also has MS in Global Operations from Clarkson University where his thesis was focused on driving revenue growth during mergers. He is active with the Financial Services Volunteer Corps and is also a member of Chartered Institute of Marketing. He is also a Six Sigma Academy certified Master Black Belt and IBM lean manufacturing trained.

Carol-Ann St-Onge is the Assistant-Vice President of Collection Strategy for the Laurentian Bank of Canada. With experience spanning across the hospitality industry (1977-1992), telecommunications & media (1999-2008) and banking (1992-1999, 2008-today), Carol-Ann St-Onge comes to collections by way of customer service, credit granting and risk management. Her degree in Industrial Psychology and her MBA in Corporate Reingeneering have made her uniquely qualified in the field of operational change management, which has been the common thread throughout her more than 25 years managing culturally diverse work places.In 1994, while working as Customer Service Manager for TD Bank’s Eastern Visa centre, she created a goal-based compensation program which was subsequently introduced nationally bank-wide.A strategic thinker with performance improvement and a customer experience-minded approach, she is a certified coordinator on COPC Standards of Excellence in Call Centre Management (2006) and an auditor on Bell’s Advanved Performance Management Program. In 1995, in collaboration with the Ministry of Education, she was one of the expert consultants responsible for the creation of a certification as a call centre agent, a complete one-year community college program.Carol-Ann continues to mentor several former employees as they move forward with their careers.

Mr. Dorio brings over 42 years of experience in the credit and collections industry to Persolvo’s Strategic Advisory Board. Mr. Dorio joined the credit card division at Citigroup in 1967 and later continued his distinguished career as a senior executive with such credit card issuers as Bank of America, American Express and Washington Mutual. A noted authority on credit and collection policy, risk management and the debt settlement industry, Mr. Dorio is a noted speaker at numerous credit and collection industry conferences.