Banco Popular de Puerto Rico

Andy Sobel is managing editor. In his past lives, he was a reporter, foreign correspondent, copy editor, section editor and news-desk editor at small papers, Dow Jones Newswires and, for almost 10 years, The Wall Street Journal. A graduate of both Union College and the University of Missouri School of Journalism, Andy lives with his wife, kids and two cats in a 950-square-foot apartment, proof that you can, too.

Bill McCracken is Chief Executive Officer of Synergistics Research Corporation (SRC), the leading provider of syndicated consumer and small business marketing research intelligence for the financial services industry. �In this capacity, he has guided SRC since 1999, specifically in client relations & business development, product development and strategic direction. �Under Mr. McCracken’s guidance, Synergistics Research Corporation continues to be the premier provider of syndicated research for the financial services industry.� Each year, the company sells research to most of the top 30 banks in the country, the top ten card issuers, and many top insurance and money managers.�Mr. McCracken has had extensive experience in the financial services industry having served in a variety of functions.� Prior to this position, Bill most recently served as Chief Financial Officer of Reliance Trust Company, one of the country’s largest independent trust companies.� Mr. McCracken’s early career was spent at Wachovia Bank & Trust, First Atlanta National Bank and Fulton Federal Savings and Loan.�Mr. McCracken graduated with a B.S. in Marketing from PennsylvaniaStateUniversity and received an M.B.A. in Finance from GeorgiaStateUniversity.� He is also a Certified Public Accountant.� Mr. McCracken is a member of the Georgia Society of CPA’s and the American Institute of CPA’s.� He is on the Board of Advisors for the Survey of Consumer Payments of the Federal Reserve Bank of Boston. He is a frequent speaker at financial services conferences, both in the US and internationally.� Mr. McCracken was born in Lima, Peru.�Mr. McCracken lives in Duluth, GA with his wife and two sons.�

Titi Cole is the Payments Solutions Executive for Bank of America.Cole’s responsibilities include developing an end to end business strategy and execution roadmap for the payments business at Bank of America. She is also responsible for the debit business and electronic and emerging payments product portfolio. Prior to this role, she led the consumer checking business with responsibility for product management, customer acquisition and retention, revenue and loss management, and controls and monitoring for the consumer checking business.Cole joined the bank in 2010 and prior to that was SVP, Group Executive retail product management, operations and strategy at Harris Bank in Chicago. In this role, she was responsible for product management, pricing and P&L management for all products offered to retail customers. Her responsibilities also included branch operations, performance management and strategic planning for the retail bank.Prior to Harris, she was a senior engagement manager and practice manager in the financial institutions group at McKinsey & Company. She primarily served retail banking and credit card clients in the United States, Canada and Australia on growth, mergers and acquisitions and change management strategies.She has a masters’ degree in Business Administration from Northwestern University’s Kellogg Graduate school of Management, and an undergraduate degree in economics from the University of Ibadan.

Dennis Klaeser is Chief Financial Officer and Executive Managing Director of the Talmer Bancorp. Talmer Bank and Trust is a private equity backed banking institution that is focused on acquiring failed banks in the Midwest. Over the past year, the company has acquired four failed institutions and has grown from less than $100 million to $2.4 billion in total assets. As CFO, Mr. Klaeser plays a key role in executing the company’s strategic initiatives including mergers and acquisitions and capital raising initiatives. Prior to joining the Company, Mr. Klaeser was CFO of PrivateBancorp, Inc from 2003 through 2009 where was responsible for financial and accounting functions as well as strategic planning, capital markets, SEC and board reporting, SOX, regulatory and investor relations. In addition to his experience as CFO, Mr. Klaeser spent over 12 years as an investment banker and equity research analyst focused on Midwest community banks. Mr. Klaeser earned an MBA from Northwestern University and a BA from Lawrence University.