Banco Popular de Puerto Rico

Dana Johnson has been senior vice president and chief economist at Comerica Inc. since January 2005. He leads the bank’s economics department and provides commentary and research vital to Comerica and its customers. Mr. Johnson came to Comerica from Bank One in Chicago where he served as managing director and head of research for Banc One Capital Markets. During his 18 years with Bank One, he was the chief economist for capital markets and was responsible for building the economics, foreign exchange, and fixed income research teams.Mr. Johnson began his career at the Board of Governors of the Federal Reserve Board in Washington, DC, where he served for eight years doing both nonfinancial and financial analysis. His duties also included drafting speeches and testimony for former Fed Chairman Paul Volker.Mr. Johnson is a member of the National Association of Business Economists and the American Economic Association. Currently he is on the American Bankers Association Economic Advisory Committee. He earned a Bachelor of Arts degree from Wesleyan University and a Ph.D. in Economics from Northwestern University.

Daniel J. Frate, executive vice president of PNC, leads the Products and Alternative Channels group for the Retail Banking business line. This includes consumer and business deposit products, consumer and business lending products, the online channel and emerging technologies, payment products and telephone banking. Mr. Frate began his career with PNC in 2009 and prior to his current position, served as vice chairman and executive vice president of National City Corporation, leading the Retail Banking business line, including the branch network, direct lending, deposits, retail services, direct banking, credit card, insurance, customer strategy, channel management, business banking and National City Mortgage. Prior to joining National City, Mr. Frate served as President and Chief Operating Officer of Bank One Card Services, at the time the third largest bankcard provider in the world. Starting in 2001, Mr. Frate was responsible for the day-to-day management of the business. His experience of more than 20 years in the banking industry includes serving as President of U.S. Bancorp’s payment systems business and as the company’s senior consumer risk officer. In addition, Mr. Frate held the position of Vice Chairman and served as a member of U.S. Bancorp’s Operating Committee. Mr. Frate has also held various credit, technology and service management positions with Citicorp. He has a bachelor’s degree in economics from John Carroll University and a master’s degree in finance from the Krannert Graduate School of Management at Purdue University.

Bobbie Britting is a Research Director in the Consumer Lending Practice at TowerGroup, with responsibility for Home Equity, Auto, Student, Unsecured Personal and P2P lending. She has more than 20 years experience in the Financial Services industry and has held management positions at Citibank, Fair Isaac, Wells Fargo Consumer Credit Group and Ellie Mae.Her research covers the Top Trends in Consumer Lending, the Consumer Lending Life Cycle, Loan Origination and related technologies, Loan Servicing technologies Online Home Equity Lending, Best Practices in Auto Loan Collections, The Underbanked / Credit Underserved Market, and she has authored three Research Notes on the newly emerging category of Pricing Optimization in financial services.Bobbie received her M.B.A. from University of Rochester, Simon Graduate School of Business, and a bachelor’s degree in business and sociology from S.U.N.Y. Plattsburgh. She also completed executive development work at the University of Michigan during her tenure with Fair, Isaac.

James Appleby joined Provident Financial in Q3 2008 with responsibility for all Collection and Recovery Operations for the Credit Card function. Provident Financial, with two million customers has the largest non-standard customer base in the UK, doing business since 1880, Vanquis Bank being the Credit Card arm of Provident.13 Years in Financial and Consumer Lending RolesMr. Appleby has gained a broad range of experience through 13 years in the finance and consumer lending field with positions at Barclays Bank and Provident Financial. Prior to joining Provident Appleby worked in California where he set up, end to end, a new Credit Card business for College Loan Corp, one of the largest College lenders in the US. While at Barclays Appleby worked on a broad range of programmes and was accountable at different times for Existing Customer Marketing (£7bn portfolio), Sales and Service Operation (1 million calls per month) and the leadership of several stand alone P&L’s including the delivery and on-going management of the first off balance sheet Joint Venture entered into at the Bank. Appleby has worked all over the work on Credit Card programmes including the delivery of acquiring infrastructure in sub-Saharan Africa, outsourced operations in India and South Africa and Card launches across Western Europe and America.Education University of Lancaster, England, Master of Science, 1993 and Bachelor of Science (Management) 1992.Personal Mr. Appleby lives near London, England with his fiancé Sarah and Son Xavier.

Eric Acree has spent 19 years in retail financial services and currently works as the Executive Vice President at Vantage Credit Union in St. Louis, Missouri overseeing lending, collections, retail sales, card services, call center, member records, marketing, business development and public relations. In late September of 2009, Eric and a team at Vantage Credit Union introduced “TweetMyMoney,” the world’s first banking service that consumers use via Twitter. This innovation has helped Vantage engage its membership, pursue a niche segment in mobile banking, as well as achieve enhanced brand awareness.Eric holds a B.S. in Marketing, an MBA, and is a certified Six Sigma Black Belt. He has spoken about a variety of marketing and CRM topics at Missouri and Texas Credit Union League meetings and Destination CRM conferences. Eric has served as an inaugural member of the Filene Research Institute i3 innovation group, an inaugural member of the Credit Union Advisory Council for Experian, and a member of the Marketing Advisory Group for PSCU Financial Services.

Ben Gilman is Senior Vice President and Human Resources Executive for Bank of America/Merrill Lynch US Wealth Management, managing over $1T in assets with 23,000 Associates, including 15k Financial Advisors across the U.S. His responsibilities include leading human resources strategy and execution, including hiring, retention, compensation and talent management. Previously, Gilman was the HR executive for the Merrill Lynch/Bank of America merger transition throughout 2008 and 2009, responsible for architecting large-scale expense reductions, associate retention strategies and processes to integrate culture, HR processes and leadership assessment and selection. Gilman has been with Bank of America for 9 years, during which he has served as the HR leader for several merger transitions including LaSalle Bank, MBNA, and National Processing Corporation (NPC), and as the HR executive for a division of Consumer Banking, supporting a retail banking division consisting of 1200 banking centers and 15,000 associates across the Southeast. Additionally, he has served as a Compensation Executive for technology and staff support functions and staffing manager for Card Services and Corporate Marketing and Communications. Prior to Bank of America, Gilman worked for two boutique consulting firms as an information technology recruiter. Gilman earned a bachelor’s degree in economics from the University of Iowa and is a certified Six Sigma Green Belt. He has recently relocated to New York with his wife Wendy.

John Dunnery is a Director with Fannie Mae’s National Servicing Organization. He is responsible for $152bl in residential mortgage loan performance and associated credit losses spread among four of Fannie Mae’s largest loan servicers. He also manages a staff of Fannie Mae servicing specialists placed onsite at each servicer. John previously held the position of Portfolio Servicing Manager with Arch Bay Capital, a buyer of performing and distressed mortgages. Prior to that position, he was Default Servicing Manager for HomEq Servicing.John’s industry focus has been on developing improved loan servicing processes to drive effectiveness and efficiency; and, implementing new business models that expand capability and capacity at lower costs. John’s professional experience covers a span of nearly 25 years encompassing time as a trial lawyer, professor and positions with start-up companies to leading positions within the mortgage industry. He earned his Bachelor of Arts degree from Boston University and his Juris Doctorate from the University of Tulsa.