Banco Popular de Puerto Rico

As Director of Experience Innovation at Umpqua Bank, David brings a unique perspective and design sensibility to an industry steeped in tradition. Responsible for design and development of the Umpqua Experience across all customer touchpoints, David developed Umpqua’s Discover Local Music Project, its Neighborhood Store concept, Umpqua’s Innovation Lab in Portland’s South Waterfront, Umpqua’s LocalSpace small business social networking site and its Business Therapy event series.Formerly a Program Director at award winning design consultancy Ziba, David created brand strategy and product development programs for companies ranging from start-ups to Fortune 100s including Ford, Sony, Starbucks and Sega. His work managing the design and development of Umpqua’s flagship store in Portland’s Pearl District helped Umpqua reaffirm its leadership position in the banking industry and establish a new standard of customer experience. A Portland native, David holds an MBA from the University of Oregon and degree in Communications from Portland State University.

Robert M. Kottler is the Executive Vice President and Director of Retail and Small Business for IberiaBank. In this role, Bob is responsible for the Retail segment, including retail operations, product management, credit cards, sales, retail training and small business.Prior to joining IberiaBank, Bob was Executive Vice President for Small Business Banking for Capital One Bank. In that role, Mr. Kottler was responsible for developing the Small Business Banking strategy and profit and loss management in the markets where Capital One’s banking business operates, including Texas, Louisiana, Maryland, Virginia, DC, New York, New Jersey and Connecticut. His previous roles at Capital One included leading the branch, branch real estate and business banking functions in the “de novo” markets, including Dallas, Houston, Austin, San Antonio and several other communities.Prior to the merger of Capital One Financial Corporation and Hibernia Corporation in November 2005, Mr. Kottler served as Hibernia’s Chief Sales Support Officer. In May 2003, Mr. Kottler was named Chief Sales Support Officer and Senior Executive Vice President. He was responsible for all sales support functions, including marketing, product management, delivery channel management, and loan and branch operations, as well as consumer and small business lending.Mr. Kottler joined Hibernia in 1983. A Cleveland native, he has 28 years of banking experience and has served in several management positions, including Manager of the Small Business Banking Service Center, Small Business Banking and Marketing and Delivery Channel Management. Mr. Kottler earned his B.S. in Management and his M.B.A. from Tulane University. He also is a graduate of the CBA Graduate School of Retail Banking at the University of Virginia.Mr. Kottler is currently serves as the membership chair and chair elect of the Board of Directors for the Consumer Bankers Association. He is also a former Director of CFED, SBFE and the Tulane Associates and past President of the Tulane Association of Business Alumn.

Gregory Hebner is the President of MOS Group, Inc. (Mortgage Outreach Services), a leading provider of outsourced loss mitigation services to the residential mortgage industry. Mr. Hebner has over 10 years of experience in the real estate and mortgage industries, and is an expert in loss mitigation, mortgage servicing as well as in the industry’s proven methods for maximizing the value of non-performing residential loans.Since joining The MOS Group, Mr. Hebner has led the rapid expansion of the MOS Group staff and customer base as well as extending the company’s service offerings to encompass full spectrum loss mitigation services. Under Mr. Hebner’s leadership, MOS Group has become one of the largest outsourced service providers for the U.S. Treasury’s Home Affordable Modification Program (“HAMP”) having worked with over 250,000 borrowers under this program since its’ launch in April 2009. Most recently, Mr. Hebner has worked to position MOS Group as a leading service provider to support other loss mitigation programs such as Home Affordable Foreclosure Alternatives (“HAFA”).During Mr. Hebner’s career, he has served as CEO of Relocation.com, where he played a key role in building the company into one of the leading online resources for moving and relocation services. His career also includes positions as Senior Vice President of Consumer Media Services at Realtor.com’s parent company Move, Inc. (NASDAQ: MOVE), as well as several financial and operations management roles at leading consumer products and services companies such as The Walt Disney Co., Premark International, and Price Waterhouse. A frequent speaker, presenter and panelist at mortgage and servicing industry trade shows and conferences, Mr. Hebner has also authored several articles for the mortgage and real estate press. He holds a Master of Business Administration from Harvard University and a Bachelor of Science degree in Accountancy from the University of Illinois. Mr. Hebner is a licensed real estate broker in California and for over 10 years, has been an active investor in distressed residential real estate.

Greg Clarkson currently serves as the Executive Vice President and Division Manager for BBVA Compass’ SBA Division. Clarkson has 25 years of banking experience, the last 16 years in the SBA industry. As a member of the original team that established BBVA Compass’ SBA Division in 1996, he has helped increase the current production level to over $270 million annually. Prior to becoming Division Manager, Clarkson was the National Sales Manager with responsibilities that include managing a company wide SBA sales and underwriting force. Prior to managing the sales force, Clarkson was responsible for all operational aspects of the SBA Division including closing, funding, accounting, servicing and liquidation. Clarkson is active in the industry trade association, National Association of Government Guaranteed Lenders, currently serving as the Chairman of the Board of Directors. He has served in various national and regional NAGGL leadership roles including membership in the Executive Committee, Large Bank Committee, Government Relations Committee and Region VI Technical Issues Committee. He frequently works with Congress and SBA Central Office staff to resolve issues surrounding the delivery of capital to the nation’s small businesses. In 2008, Clarkson received the trade association’s highest honor, the Distinguished Service Award. In addition to his industry work, he is on the Board of Trustees for the North Texas Leukemia and Lymphoma Society. Clarkson received a Finance degree from the University of Oklahoma. Greg Clarkson currently serves as the Executive Vice President and Division Manager for BBVA Compass’ SBA Division. Clarkson has 25 years of banking experience, the last 16 years in the SBA industry. As a member of the original team that established BBVA Compass’ SBA Division in 1996, he has helped increase the current production level to over $270 million annually. Prior to becoming Division Manager, Clarkson was the National Sales Manager with responsibilities that include managing a company wide SBA sales and underwriting force. Prior to managing the sales force, Clarkson was responsible for all operational aspects of the SBA Division including closing, funding, accounting, servicing and liquidation. Clarkson is active in the industry trade association, National Association of Government Guaranteed Lenders, currently serving as the Chairman of the Board of Directors. He has served in various national and regional NAGGL leadership roles including membership in the Executive Committee, Large Bank Committee, Government Relations Committee and Region VI Technical Issues Committee. He frequently works with Congress and SBA Central Office staff to resolve issues surrounding the delivery of capital to the nation’s small businesses. In 2008, Clarkson received the trade association’s highest honor, the Distinguished Service Award. In addition to his industry work, he is on the Board of Trustees for the North Texas Leukemia and Lymphoma Society. Clarkson received a Finance degree from the University of Oklahoma.