Banco Popular de Puerto Rico

Donna Borak is the Federal Reserve reporter for American Banker. Based in Washington, her coverage has stretched from covering the White House's plan to reform the government-sponsored enterprises to new global banking regulations, known as Basel III.Previously, she was a business reporter covering the defense industry for The Associated Press in Washington, where she was an APME nominee for her work on the Walter Reed Medical Center scandal. She began her career as a European economics writer for United Press International, where she filed special reports from Brussels and Hong Kong. She is conversant in Arabic, and has a M.S. in journalism from Boston University.

A veteran banker with over 20 years experience, Kevin's responsibilities include overseeing the asset quality of the company's loan portfolio, which includes underwriting, credit training, special assets, communication with analysts and rating agencies, loan administration and enforcement of the loan policy.

ANDREW D. PLEPLER is Bank of America’s Environmental, Social and Governance (ESG) Executive. In this role, Plepler engages with a broad range of consumer and community stakeholders to help inform and shape the bank’s strategies, policies, practices and programs.Plepler is chair of the bank’s National Community Advisory Council, which brings together public and private sector leaders to provide external perspective and advise the bank on products, services and responsible business practices. He also works to connect with partners to ensure that the bank’s collaborations on programs such as community development lending and investing, environmental sustainability, philanthropy, military support, arts and culture, and employee volunteer programs are making financial lives better in communities around the world.Prior to joining Bank of America, Plepler served as senior vice president of Housing and Community Initiatives with the Fannie Mae Foundation. He oversaw three of the foundation’s primary grant-making departments, as well as its regional offices in Atlanta, Chicago, Dallas, Pasadena and Philadelphia.Before joining the Fannie Mae Foundation, Plepler was a trial attorney for the U.S. Department of Justice in the Tax Division and served on Capitol Hill as counsel to the U.S. Senate Committee on the Judiciary. Plepler earned a Bachelor of Arts degree in government from Franklin & Marshall College in Lancaster, PA, and a Juris Doctorate from the University of Miami School of Law in Coral Gables, FL.Plepler founded and continues to serve on the board of the Washington, DC-based Urban Alliance Foundation, a nonprofit jobs and mentoring program that works with economically disadvantaged high school students. He also serves on the Boards of Local Initiatives Support Corporation (LISC), Living Cities Inc. and Levine Museum of the New South. Plepler has three children and resides in Charlotte, NC.

Philip Gonsalves is the founder and Managing Partner of Exceder Real Estate Advisors, LLC, an independent third party commercial real estate underwriting, due diligence and consulting firm. Over the course of his career, Phil has managed hundreds of engagements for various clients including recent projects for an FDIC financial advisor as loan seller as well as analyzing and valuing FDIC loan pools for potential investors. In addition to loan sales underwriting, he has provided loan valuation, strategic analysis and consulting services to portfolio lenders and CMBS investor. He directly underwritten and overseen the underwriting of numerous loans for the CMBS market. Phil has extensive experience analyzing all types of commercial real estate and debt including mezzanine loans and highly structured, multi-tranche transactions.Phil has over 25 years of commercial real estate experience. Prior to founding Exceder, he was with McCary Stevens Associates, Inc. for over 10 years as a Senior Project Manager and Principal. Before McCary Stevens, he worked on CMBS loan origination and underwriting for QuestCap and Paine Webber. Phil also has commercial banking experience with CenterBank as a Vice President in the Credit Administration Department and with RECOLL Management/Fleet Financial Group as Vice President working out loans for the FDIC related to failure of Bank of New England. Phil’s commercial real estate career started with a regional commercial appraisal firm in 1985. Phil is a graduate of Boston College with a Bachelor of Arts degree in History.

Ken Muldowney is Vice President of Regions Bank, where he is responsible for overseeing operations for the company's indirect and equity portfolios, and establishes the strategic plans to reduce loss and expenses. Mr. Muldowney has also held management positions with organizations that include First Union, American Express, Citibank and Household Finance. His current and recent include the Recovery Managers Forum and the RMA Collections steering committee.

Andy Hernandez is EVP and Director of Channel Development for BBVA Compass in Birmingham, Alabama, a subsidiary of Banco Bilbao Vizcaya Argentaria (BBVA), based in Madrid. In this capacity he has responsibility for online, mobile, ATM and telephone channels in the retail bank. In addition, he is responsible for payment operations; specifically debit cards, credit cards and merchant financial services.Mr. Hernandez has over 20 years experience in financial services. He held various roles at Wachovia Bank (and the former SouthTrust Bank), most notably COO of Distribution in Wachovia’s General Banking Group. At Bank of America he held leadership roles in eCommerce, specifically in online payments and online deposits. He started his banking career in ATM sales with NCR Corporation.Mr. Hernandez holds a Bachelor of Science degree in Business Administration, with honors, from the University of Florida.

Michael J. Lesser, Managing Director, is responsible for marketing and valuation of commercial mortgage loan portfolios. Mr. Lesser has overseen a significant portion of the firm’s more than $32 billion in commercial mortgage loan transactions.Mr. Lesser’s most recent assignments include managing the sale of over $2 billion of performing and nonperforming commercial loans. These loans are being sold to numerous institutional and regional/local “loan to own” investors. Mr. Lesser has sold over $3.5 billion of commercial and residential mortgage loans for Bank of America, Wachovia, RBC Centura, Indymac, CIBC, Citicorp, and Sanwa Bank. In addition, Mr. Lesser lead the sales of over $320 million for the FDIC and worked on the team that sold over $2 billion of loans for the RTC.Prior to joining Eastdil Secured, Mr. Lesser was a Manager at KPMG Peat Marwick. As a Manager in their Real Estate Consulting Group, Mr. Lesser completed single property valuations, as well as portfolio reviews and acquisition due diligence. Mr. Lesser received his M.B.A. from Harvard Business School and a B.S. from University of Massachusetts, Amherst. Mr. Lesser is a Licensed Securities Representative (Series 7 & 63) and a Licensed Real Estate Broker in the State of California.