Banco Popular de Puerto Rico

Irene is one of the nation�s leading experts on plain English writing and simplifying communications.� She frequently authors articles and addresses audiences on the business and societal benefits of clarifying information to improve the customer experience. Most recently, Irene co-authored Simple: Conquering the Crisis of Complexity, which was released in April 2013 to critical acclaim and named a �Best Business Book of 2013� by Booz & Company. It has since been published in several international editions, including UK, China, South Korea, Hungary and Brazil.The driving force behind many milestones in consumer information, Irene has been instrumental in the development of simplified prospectuses and comprehension testing of consumer documents. In fact, she led the development of the first investor-oriented account statement on Wall Street and the first simplified hospital bill. During Irene�s 30-year career at Siegel+Gale, where she led the Simplification practice, she helped set new communication standards in several industries.Irene has deep expertise in the insurance, banking, brokerage, healthcare, government and utility sectors.� She has pioneered breakthrough programs for organizations including Allstate Insurance, the Centers for Medicare and Medicaid Services, General Electric, the Securities and Exchange Commission (SEC), Bank of America and PNC Bank. She has also led simplification assignments of massive scale, notably for AT&T, IBM and the IRS.Irene holds an MA in professional writing from Carnegie Mellon University and a BA with highest honors from C.W. Post College, where she majored in English and biology. She has served on the boards of the Center for Plain Language, Department of English, Carnegie Mellon University and Dalbar.

Mr. Barkey is a Senior Managing Director and founding partner of Roosevelt Management Company, a New York Based real estate investment management firm. Mr. Barkey has fifteen years of mortgage trading experience and is responsible for all Whole Loan investments and portfolio management.Prior to founding Roosevelt, Mr. Barkey spent eight years in the Capital Markets Group at C-BASS and was responsible for and all aspects of whole loan acquisition, including model development, pricing, hedging and surveillance.Additionally, Mr. Barkey spent two years as Vice President at GE Capital Mortgage Company, where he devised and executed hedging strategies for the Jumbo A conduit pipeline and the primary servicing portfolio. Mr. Barkey also worked for four years at Lehman Brothers in agency pass through tradingMr. Barkey graduated with honors from Duquesne University in Pittsburgh, PA

Brent J. Kelly is an accomplished executive successful building long-term results for both entrepreneurial and blue chip companies. He has served in general management, marketing and digital roles for some of the best-known brands in the United States.Kelly joined First Niagara Financial Group* (NASDAQ: FNFG) as Senior Vice President, Chief Marketing Officer (CMO) in 2011 and is based in their Buffalo, NY headquarters. First Niagara is one of the top 25 banks in the US, serving Upstate New York, Pennsylvania, Connecticut and Massachusetts. They’re dedicated to helping customers do great things—in their businesses and in their lives. They fulfill this goal through both the strength of the 345 branches and $30 billion in assets (soon to add 195 HSBC branches through a pending acquisition), and through employees who are inspired by guiding customers toward financial success. Kelly is responsible for First Niagara branding, advertising, database marketing, research and marketing functions across all lines of business and drives the development and execution of the bank’s digital and e-commerce strategy (including online and mobile banking). Kelly was recently named to three newly formed senior management committees at First Niagara – Organizational Development Committee, Operating Committee and Strategic Planning Committee.Kelly has spoken on brand building, building strategic partnerships, delivering a superior customer experience and driving business growth through marketing at numerous industry and marketing forums. His teams have received recognition for new product development (including a patent pending checking account); outstanding online customer experience (mibank.com) – #3 rated best financial website by Javelin; and industry award-winning creative including 14 Communicator awards, 2 Telly awards and 2 Financial Services Forum awards.Kelly earned a Bachelor of Arts degree with a double major in Mathematics and Economics from the College of William and Mary in Williamsburg, VA; and earned a Master Business Administration degree with a concentration in marketing from New York University Stern School of Business in New York, NY.Kelly and his wife Carol along with their four children live in Mequon, WI and are in the process of moving to Buffalo.

Jay A. Loeb is a Vice President and one of the principal owners at National Creditors Connection, Inc (NCCI). Mr. Loeb is a graduate of San Diego State University. Prior to joining NCCI in 1996, Mr. Loeb was Vice President of a private investigation and auto recovery firm in San Diego, California. Upon joining NCCI, his initial role was to build a nationwide network of field representatives, trained to assist lenders with a service that would help avoid costly foreclosures and repossessions. He successfully led at different intervals, the NCCI Sales and Operations Departments.Currently Mr. Loeb heads the Strategic Business Development Department at NCCI. He is working extensively in developing new strategic alliances with existing clients, developing and implementing new client initiatives and new NCCI business services. He is continuously developing new strategic alliances with outside companies to promote NCCI as the nation's premiere field services firm.

Patricia (Trish) Hennessy is a Vice President with BBVA Compass in the Collections and Recovery Division of the Retail Bank.Trish has been with BBVA Compass since May of 2004, and currently serves as Group Manager for Bankruptcy and Litigation, Non-Performing Assets. She also manages probate account receivables.Prior to joining BBVA Compass, Trish, who has 25 years in the financial services industry, served as Risk Officer for Regions Bank's indirect automobile lending division for seven years. She is a graduate of Huntingdon College in Montgomery, AL with a Bachelor's degree in Business Organizational Resources.