Banco Popular de Puerto Rico

CLAUDIA RUSS ANDERSON Executive Vice President Group Risk Officer - Community Banking Regulatory Compliance and Operational Risk ManagementWells Fargo2004-Present   WELLS FARGO & CO. Executive Vice President/Group Risk Officer – Community BankingResponsible for the oversight of the execution of compliance and operational risk management within Wells Fargo community banking’s lines of business. Partner with line of business executives and risk professionals to identify and mitigate risk.  Work with corporate risk programs to ensure compliance with all laws, regulations and industry best practices.2002-2004 WELLS FARGO & CO. Senior Vice President/Chief Credit Officer – Community Banking1980-2002 NORWEST BANK/WELLS FARGO & CO.Held positions of Consumer and Commercial Lender, Loan Support Team Banker & Team Lead, Deputy Senior Regional Credit Officer for Greater Minnesota, Senior Regional Credit Officer for Greater Minnesota, and Corporate Credit Officer.EDUCATION: 1996 Stonier Graduate School of Banking1980 College of St. Scholastica BA ManagementDuluth, MNPsychology, Minor

The James Polk Stone Community Bank is a $200 million, 9 branch (8 physical plus the online branch) institution based in southeastern New Mexico.� Founded in 1906, it is the oldest family owned bank in the state.�� The grandsons of the founder (J.P. Stone) are the Chairman of the Board and President, and two of his great-grandchildren are Executive Vice Presidents.Richard is a Director, Senior Vice President and the Chief Information Officer (CIO) for the Bank. He has 23 years experience in Information Technology Management.� Prior to banking, Richard worked for Eastern New Mexico University for 10 years in its Computer Services Division and taught for the university as an Instructor of Computer Information Systems (CIS).�Richard is a graduate of Eastern New Mexico University and the Western States School of Banking.Richard is actively involved the Independent Community Bankers Association of New Mexico and the Independent Community Bankers of America.� He is a Past Chairman for the Western States School of Banking, and currently chairs the Education Committee.�

Steve has 42 years, of practical experience in planning, cost-justifying, marketing and implementing all facets of Customer Experience retail banking delivery solutions. This includes 38 years at IBM and two years at Unisys where he led re-engineering and automation of teller, platform, ATM, contact center, voice response, internet and check processing. His current focus is to measurably impact the business bottom line through increased revenue by applying a new science-based sales approach through all customer contacts. He has worked both domestically and internationally in over 40 countries in which he cost-justified and directed implementation of over $800 Million in bank retail delivery solutions.During his career Steve managed the implementation of cost-justified end user technology solutions including business reengineering design, programming, training and network management. Projects of special significance were platform, teller, telephone banking, check processing, on-line agricultural lending, stock brokerage and mortgage banking systems.He was also the technology team lead in an 18 month joint bank / IBM scenario planning project which developed a 25 year vision in delivery of retail bank products and services to consumers, high net worth individuals and small businesses. Additionally he was the visionary that architected and developed a complex ROI tool to cost-justify an enhanced retail delivery system. This approach has been used by over 80 banks resulting in executive decisions to implement over $500 Million in cost justified retail delivery systems. Finally he was the visionary in IBM that initiated and created a partnership that resulted in the creation of a bank executive visioning experience centre. This unique center showcased bank retail delivery solutions in a business setting that enabled banking executives to visualize their institution’s use of these solutions which created a cost justified exceptional customer experience.

Cindy directs marketing communications strategy for enterprise-wide or multi-disciplinary change and crisis management issues. In this role, she accepts special assignments throughout the organization where onsite consultation, advice, and communications strategy through to execution are needed. Cindy joined Wilmington Trust in 1989 with close to a decade of experience in advertising and corporate communications roles in the United States and England. She has held numerous marketing leadership positions during her tenure with the firm, specializing in all aspects of financial services marketing, and with specific expertise in wealth management. Cindy previously served as the Director of Marketing for Wealth Advisory Services, where she led all marketing communications strategy, research, brand management, and emerging market positioning in support of affluent individuals, families, family businesses, and their advisors. She also served as consultant and speaker to affluent women, families, and their advisors on the role of money, education for the next generation, and raising socially responsible children.Cindy holds an MBA, with honors, from Drexel University and a BFA in Advertising, Design, and Art Education, also with honors, from the University of Wisconsin-Eau Claire. Throughout her career, she and the teams she has led have earned numerous awards. She has also volunteered her time and expertise to a variety of professional and non-profit organizations.She is currently the President of Drexel University’s Executive MBA Alumni Board and a member of both Drexel’s LeBow College of Business Advisory Board and The Center of Corporate Reputation Management. She is a mentor and advocate to aspiring marketing students and professionals. She also continues to serve as an industry expert and speaker for professional organizations throughout the United States.