Banco Popular de Puerto Rico

H. Rodgin Cohen is senior chairman at Sullivan & Cromwell LLP.

Wayne A. Abernathy joined the American Bankers Association in February of 2005, and serves as Executive Vice President for Financial Institutions Policy and Regulatory Affairs. Mr. Abernathy oversees ABA groups that deal with policy development, regulatory and compliance issues, bank general counsels, economics, securities and investment, and risk management. Before joining ABA, Mr. Abernathy served two years as Treasury Assistant Secretary for Financial Institutions under President George W. Bush, receiving the Alexander Hamilton Award in recognition of his service. In that office he was also a member of the Board of Directors of the Securities Investor Protection Corporation. Prior to his work in the Treasury, Mr. Abernathy served as Staff Director of the Senate Banking Committee, under Chairman Phil Gramm.Previous experience with the Senate Banking Committee includes serving as Staff Director of the Subcommittee on Securities during 1995-1998. From 1989 until 1994, Mr. Abernathy was a Republican economist for the committee. He previously worked as a senior legislative assistant for Senator Gramm during 1987-1989 and as an economist for the Banking Committee’s Subcommittee on International Finance and Monetary Policy during 1981-1986.Mr. Abernathy earned his bachelor’s degree in International Studies from The Johns Hopkins University in 1978. In 1980, he received a master’s degree in International Studies from the School of Advanced International Studies of The Johns Hopkins University.

Rep. Shelley Moore Capito represents the people of West Virginia's Second Congressional District in the 112th Congress, where she has been an advocate for a range of policies that directly impact her constituents, including energy independence, quality healthcare and the safety and security of our service men and women. She prides herself on being approachable and accessible to her constituents. She is currently the only woman in West Virginia's congressional delegation.Capito serves on the House Financial Services Committee as Chairman of the Subcommittee on Financial Institutions and Consumer Credit. She also sits on the House Committee on Transportation and Infrastructure - the panel which will direct important highway legislation during the 112th Congress.The Congresswoman has proudly served West Virginia for more than 12 years, and looks forward to her continued work to improve the lives of every West Virginia.

Ray Grace is North Carolina Chief Deputy Commissioner of Banks and oversees the regulation of banks, savings and loans, trust companies, mortgage lending, consumer finance lending, and other non-bank lenders. Grace was named Chief Deputy Commissioner in 2010, after serving as Deputy Commissioner since 2009. Grace graduated from Niagara University, Niagara Falls, New York, in December 1973, with a B.S. in Commerce, and began his career at NCCOB as an examiner trainee on July 1, 1974. For more than 35 years, he has dedicated his service to our State, serving in various capacities at the N.C Office of the Commissioner of Banks, including commercial bank examiner, special supervisory trainee, director of bank applications, and his current role - Chief Deputy Commissioner.

Julia C. Wellborn is the Executive Vice President, Executive Director for Wealth & Institutional Management (WIM), the division of Comerica that serves the needs of affluent clients and includes Private Banking, Investment Management and Trust, Comerica Securities, Comerica Insurance, Institutional Trust and Retirement Services and Wilson Kemp.Julia joined Comerica on March 30, 2009 as Senior Vice President and Texas Regional Managing Director of Wealth and Institutional Management.Julia�s background includes more than 20 years of experience in the financial services industry where she demonstrated success in business development, leadership and strategic roles.Prior to joining Comerica, Julia served as North Texas Region President for Wachovia Corporation where she recruited and managed business and commercial banking teams in the market. She began her banking career as a Management Trainee, Branch Manager and Commercial Loan Officer in Atlanta prior to leading teams in Georgia, North Carolina and Texas.Active in the community, Julia serves on the Boards of the International Women�s Forum and Southern Methodist University�s Cox School of Business, Big Brothers Big Sisters, and is involved with the Young President�s Organization � Dallas Chapter, United Way of Metropolitan Dallas, The Dallas Regional Chamber of Commerce and Children�s Medical Center of Dallas. In 2008, she was named by the Dallas Business Journal as one of �Dallas� Most Powerful Women� and by Texas Diversity Magazine as one of 36 �Most Powerful and Influential Women in Texas.�Julia earned a bachelor�s of business administration from State University of West Georgia.

LuAnne Kingston is HSBC’s National Premier Executive with responsibility for the company’s affluent personal customer strategy in the U.S. This includes establishing and implementing a wealth-led strategy for both HSBC’s global Premier and Advance propositions, targeting internationally minded customers. LuAnne has been with HSBC for 26 years, holding various line and support leadership positions, in areas including Human Resources and Training, Six Sigma Quality and Mortgage. Previous to LuAnne’s current role, she was HSBC’s Western New York District Executive, directing the business for 65 retail bank branches, leading over 700 employees. She holds an MBA from the State University of New York at Buffalo, and is a graduate of the Consumer Bankers Association Graduate School of Retail Bank Management, University of Virginia. LuAnne is also Six Sigma Black Belt certified and holds series 7 and 66 securities licensing.In addition, LuAnne is active in the local Western New York community, and currently serves on the boards of United Way of Buffalo and Erie County and the Kaleida Health Foundation.

Ms. Schmitt brings more than 25 years’ experience in the banking industry. Currently the SVP, RBG Small Business Segment Manager for Bank of the West, she is responsible for coordinated oversight of sales and service activities for the retail small business banking channel throughout the Bank’s footprint. She has deep experience in product development and management, strategic planning and execution and branch leadership and training. Prior to joining Bank of the West she worked for Union Bank as their Senior Vice President, Retail Small Business Manager where she was focused on the small business market. Ms. Schmitt has a Masters in Finance from National University and graduated from Pacific Coast Banking School.

Randall S. Kroszner served as a Governor of the Federal Reserve System from March 2006 until January 2009. During his time as a member of the Federal Reserve Board, he chaired the committee on Supervision and Regulation of Banking Institutions and the committee on Consumer and Community Affairs. In these capacities, he took a leading role in developing responses to the financial crisis and in undertaking new initiatives to improve consumer protection and disclosure, including rules related to home mortgages and credit cards, and was director of NeighborWorks America. He represented the Fed on the Financial Stability Forum (now the Financial Stability Board), the Basel Committee on Banking Supervision, and the Central Bank Governors of the American Continent. Dr. Kroszner chaired the working party of the Organization for Economic Cooperation and Development (OECD), composed of deputy central bank governors and finance ministers, on the Promotion of Better International Payments Equilibrium. As a member of the Fed Board, he was also a voting member of the Federal Open Market Committee. Before becoming a member of the Fed Board, Dr. Kroszner was a professor of economics at the University of Chicago’s Booth School of Business and assumed the Norman R. Bobins professorship after his return. Dr. Kroszner was Director of the George J. Stigler Center for the Study of the Economy and the State. He served as editor of the Journal of Law & Economics. He has been an associate editor of a number of other journals and served as a director at the National Association for Business Economics. He is currently a Research Associate of the National Bureau of Economic Research and serves on the Committees on Economic Statistics and on Economic Education of the American Economics Association. Dr. Kroszner is a widely published author, and his research interests include the regulation of financial institutions, conflicts of interest, monetary economics, international financial crises, Great Depression, corporate governance, debt restructuring and bankruptcy, and political economy. His paper on corporate ownership won the Brattle Prize for best corporate finance paper in the Journal of Finance. His book with Robert J. Shiller, Reforming U.S. Financial Markets: Reflections Before and Beyond Dodd-Frank (MIT Press, 2011), has recently been on the Washington Post’s Book World political bestsellers list.Dr. Kroszner was a member of the President’s Council of Economic Advisers (CEA) from 2001 to 2003. While at the CEA, he was heavily involved in formulating the policy response to corporate governance scandals as well as in advising on a wide range of domestic and international issues, including banking and financial regulation, government-sponsored enterprises, pension reform, terrorism risk insurance, tax reform, currency crisis management and sovereign debt restructuring, the role of the International Monetary Fund (IMF), and economic development. Dr. Kroszner has been a visiting scholar or visiting professor at the U.S. Securities and Exchange Commission, the IMF, American Enterprise Institute, London School of Economics, the Stockholm University, the Stockholm School of Economics, the Free University of Berlin, Germany, the University of Chicago Law School, and Yonsei University Korea. He is a member of the World Economic Forum’s Global Agenda Council on Systemic Financial Resilience and is involved with Gates Foundation initiatives on promoting access to financial services for the poor in emerging market countries. Dr. Kroszner is a much sought-after commentator on economic, monetary, and regulatory issues and gives numerous speeches around the world. He is a frequent guest host on CNBC’s Squawk Box. His other media appearances include BBC Newsnight and Today, Bloomberg, Reuters, CNN, PBS Nightly Business Report, NBC Nightly News, and National Public Radio. He is widely quoted in the press, including the Financial Times, Wall Street Journal, New York Times, Washington Post, Nikkei, Der Spiegel, Les Echos, China Daily, AP, Business Week, Fortune, and Forbes.Dr. Kroszner consults on economic, financial, and regulatory outlook and strategy to financial services firms and asset managers throughout the world. He has served on the Advisory Board of GETCO (a leading electronic trading and technology firm and NYSE Designated Market Maker) and serves on the Board of Directors of the Financial Management Association on the Board of Advisors of the Paulson Institute. Dr. Kroszner also chairs the University of Chicago’s committee on employee benefits. Dr. Kroszner received an Sc.B. (magna cum laude) in applied mathematics-economics (honors) from Brown University in 1984 and an M.A. (1987) and Ph.D. (1990) in economics, from Harvard University.