Banco Popular de Puerto Rico

Julie Berkun Fajgenbaum manages Brand and Social Media for American Express OPEN. As the steward of OPEN's brand, Julie leads programs such as Small Business Saturday, develops campaigns like Start Booming, and manages OPEN's communities on Facebook and Twitter. Through these and other efforts Julie and her team drive demand to business owners and then help them capture that demand.Julie lives in New York City and sits on the Advisory Council of the Michael J Fox Foundation for Parkinson's Research.

Chris McComish is Executive Vice-President, Personal Banking (Illinois, Indiana, Missouri, Kansas) and Co-Head of North American Specialized Sales for BMO Harris Bank (which includes all aspects of the consumer lending and indirect auto business in the US). He reports to Mark Furlong. He was previously Executive Vice-President & Head of Retail Banking for Harris Bank. McComish was responsible for executing strategy and driving performance of Harris' retail banking network. These duties also included direct responsibility for retail product management, distribution, sales support, operations, lending, as well as working in partnership with commercial banking and wealth management in delivering the bank's capabilities to its customers and communities. McComish's career encompasses over 20 years of experience in retail and commercial banking. He joined Harris from Wachovia N.A., where he most recently served as the Executive Vice-President, Community Banking Executive Director. In this role, he was responsible for creating strategy and driving performance of 92 markets in seven states, which covered nearly 300 bankers and market leaders and 700 branches. McComish is a board member of the Boys and Girls Club of Chicago and BAI. He is also a member of the Financial Services Roundtable. He earned a Bachelor of Arts degree in international economics from the Ohio Wesleyan University.

Jay Singer is group head, U.S. Commercial Products at MasterCard Worldwide.� In this role, he leads the U.S. development and commercialization of the MasterCard innovative commercial products and solutions that serve small businesses, mid-to-large market organizations and public sector institutions.���Mr. Singer joined MasterCard in 1997.� He began his career as director of Marketing Consulting where he supported the acquisition, portfolio management and product development programs of our U.S. customers.� In 2000, he moved to Hong Kong where he spent four years establishing the MasterCard Advisors business in Asia as a business development and consulting lead.���In 2004, Mr. Singer joined the Citi Global Account team as account leader, for the U.S. Small Business and Diner�s Club portfolios.� He was elevated to general manager, Global Strategy and Implementation, where he was responsible for strategy, business development and implementation for all Citi portfolios globally.�Prior to joining MasterCard, Mr. Singer held several roles of increasing responsibility in the Consumer Cards Group at American Express.� His experience included customer acquisition, portfolio management, new product development, co-branding and relationship management.� He also held sales and account management positions at the consumer product company Keebler.���Mr. Singer holds an M.B.A. from the Stern School of Business at New York University, and a B.S. in Marketing from the Pennsylvania State University.

As the chief learning officer, Dr. Ann Schulte is responsible for all learning and capability development at MasterCard Worldwide and designs and implements programs and initiatives that enhance business performance, including: management and leadership, sales and product knowledge, technical skills, professional skills and team effectiveness. She is also leading the organization in capitalizing on collaborative and social learning technologies, informal learning, and knowledge sharing techniques by maximizing experiential and reflective learning. Ann has established and runs an award-winning corporate university and most recently has established a sales academy providing a variety of learning including compelling workshops and engaging online programs using video and mobile technologies. She is also responsible for integrating learning and talent development with key talent management processes including performance, succession and competency management. Before joining MasterCard in 2002, Ann served as a consultant to the firm and led a five-year project to develop training for the rewrite of all key processing systems. As principal of her own consulting practice, Ann delivered learning/performance improvement solutions over a 10 year period for clients such as Helzberg Diamonds, Sprint, Ferrellgas, and the Kansas City Zoo. Her early career focus was in public relations and corporate communications.Ann earned her doctorate (EdD) in Work-based Learning Leadership at the University of Pennsylvania/Wharton School of Business. Her dissertation, a qualitative study of the role of learning and development in employer brand practices, was designated a dissertation of distinction. She holds a master’s degree in Media from Webster University, and a Bachelor’s in Journalism from the University of Missouri. Ann taught for several years in an adjunct faculty role at the Keller Graduate School of Management. She has served on the Public Policy Council for the American Society of Training and Development and on the Board of the ABA BankCard School of Management. Ann is currently on the Conference Board Council for Learning and Knowledge Management and is participating in a Research Working Group investigating learning at the speed of global business. She is also a member of the Future of Organizational Learning group and she is on the HR Committee at the Magic House, a children's museum in St. Louis.

Susan Ochs is a senior fellow at the Aspen Institute and a former senior advisor at the Department of the Treasury in the Obama Administration.

Joseph V. Rizzi is a senior strategist at CapGen Financial Group, a private-equity firm. He spent 24 years at ABN Amro Group and LaSalle Bank.

Robert H. Smith, the former chairman and chief executive of Security Pacific Corp., is a founder and director of Commerce National Bank in Newport Beach, Calif.

Andrew Kahr is a principal in Credit Builders LLC, a financial product development company, and was the founding chief executive of First Deposit, later known as Providian.