Banco Popular de Puerto Rico

Dave Baranick is a partner in the Real Estate Business Advisory Services of PricewaterhouseCoopers with 28 years of experience. He has provided consulting and accounting services to a wide range of Real Estate related entities including owners, investors, developers, investment advisors, financial institutions, REITs, investment banks and public sector entities during his career with PwC. He leads PwC’s advisory efforts in the areas of commercial real estate debt and commercial real estate debt related securities such as CMBS and other structured instruments. He has played a leading role in many innovative transactions and structures involving hundreds of billions of dollars in assets. Dave is a certified public accountant and member of the CRE Finance Counsel (formerly known as CMSA), Urban Land Institute (ULI) and Mortgage Bankers Association (MBA). He has an MBA from the University of Southern California and a BA from UCLA. He was a contributing author to the “Handbook of Commercial Mortgage-Backed Securities,” published by Frank J. Fabozzi Associates.Mr. Baranick is a Partner in PwC's Real Estate Advisory Group. He has provided consulting and accounting services to a wide range of Real Estate related entities including owners, investors, developers, investment advisors, financial institutions, investment banks and public sector entities for over 26 years. Clients have included RBS Greenwich Capital, Deutsche Bank, IXIS Real Estate Capital, Merrill Lynch, Lehman Brothers, Bank of America, Nomura Securities, Credit Suisse, JPMorganChase, Countrywide Commercial Mortgage, AXA, Wachovia Bank, Goldman Sachs, Morgan Stanley, Prudential Securities, iStar Financial, US Bank, The Resolution Trust Corporation, The Federal Reserve and others.

Ian Bremmer is the president of Eurasia Group, the leading global political risk research and consulting firm.In 1998, Bremmer founded Eurasia Group with just $25,000. Today, the company has offices in New York, Washington, and London, as well as a network of experts and resources around the world. Eurasia Group provides financial, corporate, and government clients with information and insight on how political developments move markets.Bremmer created Wall Street’s first global political risk index, and has authored several books, including The J Curve: A New Way to Understand Why Nations Rise and Fall (Simon & Schuster, 2006), which was selected by The Economist as one of the best books of 2006, and The Fat Tail: The Power of Political Knowledge for Strategic Investing (Oxford University Press,2009). His most recent book, The End of the Free Market: Who Wins the War Between States and Corporations? (Portfolio, May 2010), details the new global phenomenon of state capitalism and its geopolitical implications. Bremmer is also a frequent writer and commentator in the media. He is a contributor for the Wall Street Journal and writes “The Call” blog on ForeignPolicy.com; he has also published articles in the Washington Post, the New York Times, Newsweek, Harvard Business Review, and Foreign Affairs. He is a panelist for CNN International’s “Connect the World” and appears regularly on CNBC, Fox News Channel, National Public Radio, and other networks.Bremmer has a PhD in political science from Stanford University (1994), and was the youngest-ever national fellow at the HooverInstitution. He presently teaches at Columbia University, and has held faculty positions at the EastWest Institute and the World Policy Institute.In 2007, he was named a Young Global Leader of the World Economic Forum. His analysis focuses on global macro political trends and emerging markets, which he defines as “those countries where politics matter at least as much as economics for market outcomes.”Bremmer grew up in Boston, and now lives in New York and Washington, DC.

Cathy Reines joined First Heritage Bank in November 2005 as President and was appointed CEO in January 2007. Prior to her appointment, she worked for more than eight years as a Partner with McGladrey & Pullen, the fifth largest CPA firm in the country, responsible for performing and overseeing community bank financial statement audits; and as a Managing Director of RSM McGladrey, a consulting firm specializing in serving community banks, overseeing outsourced internal and compliance audits and various consulting engagements. In 2003 Cathy left RSM McGladrey and joined a $600 million commercial bank holding company as Executive Vice President and Chief Financial Officer and in early 2005 founded Converge Consulting, Inc., a risk management consulting firm until joining First Heritage Bank.In 1989 Cathy received her Bachelor of Science Degree from Central Washington, passed the CPA examination, and began her career with Ernst & Young. She maintains her CPA license to this day. She has 4 children and 2 grandchildren and is active in the community. She sits on 5 community boards and two banking related boards with her passions being education and banking. She was recently named Snohomish County’s 2010 Executive of the Year.

Martin Abrams is Executive Director of the Centre for Information Policy Leadership at Hunton & Williams LLP, a global privacy and information security think tank, and an advisor to the Business Forum for Consumer Privacy. Mr. Abrams brings more than 30 years of experience as a policy innovator. He is a leading theorist on global transfers of data based on accountability and has led the movement in the U.S. to adopt harms based approaches to privacy. He was a leader in developing layered privacy notices and is currently working to bridge cultural differences in privacy.