Banco Popular de Puerto Rico

Rick Perez, based in Orlando, Fla., serves as RBC Bank’s regional president of Retail for the South Market. He is responsible for execution of the retail banking strategy in Florida. He brings more than 23 years banking experience to this role. Since joining RBC Bank in 2005 as director of Sales & Performance Management, Rick has advanced through a number of leadership roles. Before joining RBC, he was regional group sales manager of AmSouth Bank, where he managed multiple branches along Florida’s west coast and launched a number of new banking centers. An active member of the community, Rick has provided volunteer leadership to the Salvation Army, United Way, March of Dimes and other local community-based organizations. He earned his bachelor’s degree in business administration from Florida International University. Born in Havana, Cuba, Rick has lived in Florida for more than 30 years and now resides in Lake Mary, Fla.

John Maher brings a strong, well-rounded knowledge of the entire Lands’ End business to his role as vice president of Lands’ End Business Outfitters. A Lands’ End employee since 1980, Maher began his career as a retail associate at the first Lands’ End outlet store on Elston Avenue in Chicago, and soon worked his way up to managing director of retail. He then went on to serve as director of licensing and full line store merchant.In 2006, Maher was promoted to his current post where he oversees the Business Outfitters, School Uniform and Gift Card businesses. While at the division’s helm, he developed and implemented a new strategic vision for the business, expanding Business Outfitters capabilities by entering the uniform and branded products markets and reintroducing Lands’ End into the school uniform market. Maher demonstrates strong historical perspective and a passion for the business customer, with a continual eye toward new ideas that engage the customer and bring business value. Maher is a member of the senior leadership team and reports to Nick Coe, the president of Lands' End. He attended Roosevelt University in Chicago, Illinois.

Jeremy Quittner writes on technology for both American Banker and Bank Technology News, specializing in alternative payments, social media, security and online banking. Terminally based in New York, he previously worked for BusinessWeek, covering small business and entrepreneurship. Jeremy's byline can also be found in back issues of Barron's, Crain's New York Business, The New York Post, and the now-defunct Gourmet magazine, among other publications.

William A. Cooper returned as Chief Executive Officer of TCF Financial Corporation in July 2008. He had previously been Chief Executive Officer of TCF from 1985 to 2005. Mr. Cooper has also been Chairman of the Board of TCF Financial Corporation since 1987.Previously, Mr. Cooper was a senior auditor for Touche, Ross & Co.A graduate of Wayne State University, Detroit, Mr. Cooper holds a bachelor’s degree in accounting with majors in economics and finance. Mr. Cooper serves as Chairman of the Board of Directors of Friends of Education.

Eliopoulos began his banking career in 1988 as a Management Associate with Citibank, and then spent 10 years with the management consultant firms of A.T. Kearney and Mitchell Madison Group where he advised financial services and media companies on strategic growth and organizational improvement initiatives. In 2003, Eliopoulos returned to Citibank as senior vice president and director of marketing, where he managed the bank�s marketing and advertising programs. In 2005, he assumed the additional role of North American Sales Director. Eliopoulos holds an MBA from the Stern School of Business at New York University, and bachelor�s degree from Brown University.

Michael Upton is the Technology Enablement and Process Design Strategy Emerging Channels Capabilities executive at Bank of America. In this role, he is responsible for ePlatform strategies with a focus on Online Payments and Mobile Commerce for the Consumer Banking and eChannels and Customer Solutions organization at Bank of America.Upton joined Bank of America in 2006 as the ePayments product executive and was promoted to the ePlatform strategies role in 2009.During his tenure with Bank of America, Upton has held a number of eCommerce executive and leadership roles including; product management of online banking, mobile banking, money movement (bill pay, transfers, P2P and online wires),security and authentication (Sitekey, malware defense) and eCommunication (search, chat, alerts and e-mail).Prior to joining the bank, Upton was chief operating officer at Harbor Payments in Atlanta, Georgia. In that role, he was responsible for all corporate operations including technical data center operations, product development and support services for the companies, online payment products, eLockBox, Account Receivable and Accounts Payable, Corporate Cash Management & Disbursements and Insurance Payments. Prior to his time at Harbor Payments, Upton was the senior vice president and general manager of online banking and ePayments at Fidelity National, providing products and services to more than 2,000 financial institution customers. Upton graduated from Oregon State University where he majored in communication and political science law.Upton and his family reside in Charlotte, N.C.

Loretta Salzano founded Franzén and Salzano in 1996 and manages the firm’s federal and multi-state compliance practice. In 2009, Loretta and her law partner launched ComplyShare, a mortgage quality control and compliance company. Loretta spends most of her time advising banks and mortgage lenders on how to comply with state and federal laws including, but not limited to, TILA, RESPA. ECOA, HMDA, SAFE and FCRA. She drafts and negotiates loan purchase and sale agreements, warehouse line agreements, servicing agreements and other contracts. Loretta also assists clients in responding to regulatory examinations and actions. Loretta is a frequent speaker on mortgage lending and related issues.Loretta serves as Legal Counsel to the Mortgage Bankers Association of Georgia, as Chair and Legal Counsel to Rainbow Village (a transitional housing shelter) and is active in many other industry, professional and civic associations. She is Martindale-Hubbell’s Financial Law Panelist for Ask a Lawyer, and her firm serves as the Georgia editor to Houselaw. Before founding Franzén and Salzano in 1996, Loretta acted as Corporate Counsel to Fleet Finance and Georgia Federal Bank, and she was also in private practice. Loretta received her B.A. with high distinction from the University of Michigan and graduated from the University of Michigan Law School.

Dennis A. Devine is Executive Vice President and leads Key’s Consumer & Small Business Segment.  He is responsible for business performance and strategic direction of Key’s retail businesses across 14 states and nearly 2 million clients.  His team’s responsibilities include consumer and small business client segmentation and product development; the online, mobile, branch, telephone, and ATM channels; Key Investment Services; KeyBank Mortgage; and Sales and Service Development and Operations.  Key’s Small Business Segment serves clients with annual revenues up to $3 million.Prior to joining Key, Dennis served as Group Executive Vice President and Director of U.S. Distribution at Citizens Financial Group. In this role, he was responsible for business performance and management of all customer-facing channels across the 12-state Citizens franchise. His teams included 1,400 retail branches, business banking, wealth management, online and mobile banking, telephone contact centers, the ATM network, external partnership management and distribution support.Previously, Dennis was at PNC Bank where he held senior leadership roles in Retail and Business Banking, as well as serving as Chief Financial Officer for the Retail Bank. Earlier, Dennis spent time at McKinsey & Company, Inc. where he advised executive leadership of global companies on corporate and business strategy as well as pricing and marketing strategy.  He had earlier practiced as an attorney at Jones Day.Dennis graduated from Harvard Law School magna cum laude and a recipient of the Sears Prize, and from the University of Michigan with a Bachelor of Arts in economics and political science.