Banco Popular de Puerto Rico

Vlad Torgovnik is the Consumer & Small Business Banking Technology and Operations and Home Loans & Insurance Technology executive for Bank of America.  He leads a team of more than 20,000 associates who serve 60 million consumer households and small businesses, including 14 million home loans customers. His team’s responsibilities range from check processing and cash vault management to technology support for home loans and insurance, deposit and card products, online banking, call centers, 5,900 retail banking centers and 18,000 ATMs.Previously, Torgovnik held several technology leadership roles including chief information officer (CIO) of Home Loans & Insurance, CIO of Global Card Services and CIO of Banc of America Securities.  Torgovnik joined Bank of America as managing director and head of technology for Rates, Global Structured Products and Emerging Markets as part of the Global Markets Group.  Prior to joining the bank, Torgovnik was co-founder, president and chief operating officer of Cygnifi, an affiliated company of JPMorgan Chase.  Additionally, Torgovnik spent eight years at JPMorgan Chase in a variety of roles including global head of Derivatives and Exotics Information Technology.Torgovnik has a bachelor’s degree in Computer Science and Mathematics from New York University and a master’s degree in Computer Science from Columbia University in New York City.

Debbie Bianucci is President & CEO of BAI, the financial services industry�s leading professional organization devoted exclusively to improving the performance of financial services companies.� BAI provides ground-breaking research and comparative analytics, a comprehensive array of educational offerings, networking opportunities and strategic insights through BAI Banking Strategies publications.� Additionally, BAI Retail Delivery is the industry�s largest and most impactful conference on strategic issues in retail financial services.BAI provides trusted information, powerful tools and actionable insights that give leaders the clarity and confidence they need to prepare for tomorrow, while performing better today. For over 90 years this has been our focus: empowering leaders to make smart business decisions, drive positive change and move the industry forward.�With over 35 years of financial services experience including senior positions with several major financial services companies, Debbie is a frequent speaker and author on financial services topics.� Debbie holds a BA and an MBA, both from Drake University.

Luca is an expert on how senior marketers can take advantage of new advertising and communication technologies to bolster their brands' health, deepen customer relationships and, ultimately, increase sales. His current research touches on marketing strategy, Adaptive Marketing, agency relationships, and the latest trends in advertising and media. Before joining Forrester, Luca was head of industry marketing for Google in EMEA and he has more than 10 years of marketing and strategy experience at branded goods manufacturers, including Ferrero, Johnson & Johnson, L'Oreal, and Prada.