Banco Popular de Puerto Rico

Monica Madera Lemperle over 18 years experience in the financial services industry where she has enjoyed various leadership roles within consumer and small business segments.Positions at Bank of America, JPM Chase, and Merrill Lynch have provided Monica with key insights in sales coaching, delivering on key initiatives, and sustaining banker success.Significant roll outs include credit card pre-approvals on Teller and Banker Platform, Keep the Change, Affinity Banking, Small Business Cross-sell, Safesend and SBA lending.With a concentration in communications and business Monica earned a BA degree from MaryMount Manhattan College, and an MA degree from the City University of New York.A native of Cuba, she is fluent in Spanish and takes pride in her ability to work with and develop programs for bilingual communities.Activities include, volunteer faculty American Economic Development Corporation, Lehman College School of Continuing education, and instructor Fairleigh Dickinson University where Monica taught financing and banking related courses.Monica lives in New Jersey with her husband, two teenage sons, and pug.

Monica Madera Lemperle has over 18 years experience in the financial services industry where she has enjoyed various leadership roles within consumer and small business segments.Positions at Bank of America, JPM Chase, and Merrill Lynch have provided Monica with key insights in sales coaching, delivering on key initiatives, and sustaining banker success.Significant roll outs include credit card pre-approvals on Teller and Banker Platform, Keep the Change, Affinity Banking, Small Business Cross-sell, Safesend and SBA lending.With a concentration in communications and business Monica earned a BA degree from MaryMount Manhattan College, and an MA degree from the City University of New York.A native of Cuba, she is fluent in Spanish and takes pride in her ability to work with and develop programs for bilingual communities.Activities include, volunteer faculty American Economic Development Corporation, Lehman College School of Continuing education, and instructor Fairleigh Dickinson University where Monica taught financing and banking related courses.

Hugh Gallagher is Senior Vice President of Consumer Deposit Product Management and Enterprise Payments Strategy for SunTrust Banks, Inc. In this role, Mr. Gallagher is responsible for all aspects of product management for all consumer deposit accounts, overdraft, consumer and small business card products (credit, debit and prepaid), and enterprise rewards and loyalty programs, as well as the development of enterprise-wide payments strategies. He is based in Atlanta.Mr. Gallagher, who has more than 20 years of technology and financial services industry experience, joined SunTrust in August 2007. Prior to joining SunTrust, he was a Partner with Edgar, Dunn & Company, a global strategy consulting firm specializing in payments and financial services. Before that, he held senior management positions in Product Management, Business Strategy and Global Corporate Development with eFunds Corporation; served as part of the senior management team at First Annapolis Consulting; and, worked in the International Division at NBD Bank (now J.P. Morgan Chase). Mr. Gallagher earned a bachelor’s degree in Finance from the University of Illinois at Urbana-Champaign and an MBA from the University of Chicago Booth School of Business.

Robert Padgett was named vice president of Default Asset Management (DAM) Strategy and Initiative Management in December 2009. In this capacity, he is responsible for leading strategic planning and delivery efforts for processes and initiatives affecting DAM operations, and overseeing these efforts’ impacts across the company. These initiatives address federal directives, as well as regulatory and statutory changes impacting all lines of non-performing loans. His organization includes personnel in DAM Operations Change Management, Initiatives Delivery, Process Analytics, File Quality Review, Borrower Outreach and Education, and Risk Management/Control. Mr. Padgett has been in the mortgage banking industry for more than 25 years and has been with Freddie Mac since 1992. His career with the company began in the Multifamily Division, where he was a loan underwriter. He moved into Single Family Operations in the Loss Mitigation Department, and then into the Credit Risk Oversight Division, where he was responsible for oversight of the Single Family Operations, Structured Finance, Multifamily, and Real Estate Asset-Backed Portfolio Divisions. Mr. Padgett returned to the Loss Mitigation group in 2004 as the director of Non-Performing Loans. Mr. Padgett was named senior director of Non-Performing Loans in June 2008 and then senior director of Strategy and Initiative Management. Mr. Padgett holds a B.S. in finance from Florida State University and has completed graduate work at the University of Alaska, Anchorage.

Mr. Jaberi has been in Mortgage and Banking industry for over 20 years. Prior to joining Fannie Mae as VP of National Servicing Organization, he worked for GMAC for 10 years as Managing Director and Senior VP, responsible for asset performance servicing, managing over $370 billion of mortgage loans with over 1500 associates at 3 sites and offshore. Primary functional responsibly included Collection, Loss Mitigation, REO, HOPE, Insurance Services and Reporting. Also, he managed the acquisition and servicing of CSA for GMAC-RFC.Prior to GMAC, Mr. Jaberi worked for Associated Bank as Managing director of servicing operation of over a million assets of mortgage, consumer and credit card loans. Also, he worked for US Bank f/k/a FBS mortgage, responsible for managing the servicing operations and risk management for over 10 years.He has a BS in Business and Accounting from Colorado State University and Graduate of School of Mortgage Banking.