Banco Popular de Puerto Rico

JoAnn Neau is the Vice President - Director of Marketing for RBC Wealth Management where she is responsible for leading the marketing strategy for the U.S. wealth management business. She has held several positions since joining RBC in 2001 including Director of Field Strategies where she was responsible for developing and executing field marketing and communications initiatives including the field rollout of a $250 million systems conversion project. With 16 years of experience in financial services marketing, JoAnn’s prior experience includes positions with U.S. Bancorp and Securian Financial. JoAnn serves on the board of trustees for the Securities Industry and Financial Markets Association’s (SIFMA’s) Securities Industry Institute at the Wharton School at the University of Pennsylvania. In addition, she is a Board Member of Project SUCCESS, a non-profit group focused on improving the educational experiences of inner city middle and high school students and on the Board of Directors for Meet Minneapolis the non-profit organization for Minneapolis’ convention and visitor’s association. JoAnn attained her M.B.A. from the Carlson School of Management at the University of Minnesota.

Teresa J. Tschida is a Strategic Consultant for Gallup. Tschida specializes in using customer and employee engagement, talent-based selection, strengths-based development, and change management to effect comprehensive organizational improvement. She provides industry expertise to financial service clients to help them achieve strategic growth and market leadership position.Prior to her role as Strategic Consultant, Tschida was the Global Practice Leader, Financial Services. She speaks frequently at industry conferences and is a contributing author for various industry trades, as well as the Gallup Management Journal.Tschida has extensive experience in the banking and financial services industry. Prior to joining Gallup, she worked as a market president in retail banking at one of the largest diversified financial services companies in the United States. In addition to retail banking, Tschida led regional business development teams that focused on building the company�s membership banking business and third-party mortgage brokers. Prior to that, she served as call center manager for a financial services company.Tschida received her bachelor�s degree in business with an emphasis in finance from the Carlson School of Management at the University of Minnesota. She received a master�s degree in business administration from the University of St. Thomas in St. Paul, Minnesota.

Howard R. Moskowitz, Chairman of iNovum and president of Moskowitz Jacobs Inc., founded 1981. Dr. Moskowitz is an experimental psychologist in the field of psychophysics .Moskowitz graduated Harvard University in 1969 with a Ph.D. in experimental psychology. Prior, he graduated Queens College (New York), Phi Beta Kappa, degrees in mathematics and psychology. Written/edited 20 books, published 400+ conference papers, refereed articles, and book chapters. In 1972 Drs. Moskowitz and E.P. Koster founded the international journal, Chemical Senses and Flavor, now Chemical Senses, and published by Oxford. The first issue appeared in 1974. Moskowitz remained the co-editor until 1981.Among his contributions to market research is his 1975 introduction of psychophysical scaling and product optimization for consumer product development. In the 1980's his contributions were extended to health and beauty aids.  In the 1990’s the concept development approach was introduced to pharmaceutical research.  His research / technology developments have led to concept and package optimization (IdeaMap®, MessageMap® for pharma), integrated and accelerated development (DesignLab®)), and the globalization and democratization of concept development for small and large companies through an affordable, transaction-oriented approach (IdeaMap.Net®). His most recent work involves Mind Genomics™, the sequencing of the ‘genome of the consumer mind’, on which he publishes and lectures widely.Moskowitz has won numerous awards, such as the 2001, 2003, 2004 & 2006 ESOMAR awards for his innovation in web-enabled, self-authored conjoint measurement, and for weak signals research in new trends analysis and concept development. Self-authored concept technology brings concept/package design development and innovation into the realm of research, substantially reducing cost, time and effort for new product and service development. In 2005 he received the Parlin Award from the American Marketing Association, its highest award. In 2006 he was awarded the first Research Innovation Award by the Advertising Research Foundation and was also inducted into the Hall of Fame of New York’s Market Research Council. For his creation of the new science of Mind Genomics, to understand the granular nature of personal, daily experience, he was named the 2010 Chubb Award recipient for ‘innovation in science’ by Sigma Xi, The National Research Society.

Peter Horst is a 20-year marketing veteran with experience spanning products, services and technology at Capital One, Ameritrade, General Mills and US WEST. As Senior Vice President of Brand Marketing at Capital One, Horst supports Capital One’s Banking, Credit Card and National Lending businesses with integrated marketing, value proposition development, and consumer insights. Horst’s team led the brand integration for Capital One following its acquisitions of Hibernia Bank and North Fork Bank. Prior to Capital One, Horst was Chief Marketing Officer of TruSecure Corporation (now Verizon Business Security Solutions), a leading provider of information security services. Before then, Horst was Chief Marketing Officer of Ameritrade, where he built the brand and drove dramatic growth with some of the industry’s most successful and acclaimed marketing programs, including the cult-classic “Stewart” advertising campaign.Prior to joining Ameritrade, Horst held a variety of strategy and line management roles at US WEST (now Qwest), focusing on developing new Internet businesses and launching its broadband offerings. Horst began his marketing career at General Mills, where he spent six years managing such brands as Pop Secret Popcorn and Betty Crocker snacks and meals. Horst holds an MBA from the Tuck School at Dartmouth and a BA from Harvard.

Jenny Powell joined the bank in 1991. Ms. Powell is responsible for the brand management, advertising and marketing/communications for U.S. Bank. During her career at U.S. Bank, she has managed the marketing, customer communications and re-branding of more than 18 separate mergers – including that of Star Bank, Mercantile and Firstar Bank – into what is now U.S. Bank, the 5th largest bank in the United States. She directly manages the marketing for the Bancorp’s Consumer and Wholesale divisions, as well as the branding efforts, corporate and internal communications for the corporation. Married and a resident of Cincinnati, Ohio, Jenny has one son and is involved in a number of community organizations which focus on children and the greater Cincinnati community– including serving on the Boards of The Cincinnati Playhouse in the Park and CISE Inner City Schools Fund. Jenny is also active in a number of other organizations including the United Way’s Success Under Six effort, St. Xavier High School and the YWCA.