Banco Popular de Puerto Rico

Mela Capital Group is a nationally recognized mortgage fraud mitigation and credit risk management consulting firm that has audited $8 billion in high risk mortgage loans for private industry and law enforcement. As a recognized industry expert in mortgage and securities fraud investigation and operational procedure, Cindi Dixon, President, provides expert witness testimony and is a frequent presenter at public speaking engagements. As a private contracting firm, has assisted US Customs/ICE, the FBI, the US Postal Inspector General and other agencies in unraveling complex criminal schemes involving mortgage fraud. In the private sector, having worked with clients from local banks to global financial services leaders, services include operational risk and IT integration, training development, process improvement, back office workout support, default investigation and comprehensive internal and external response reporting. Cindi is a board member for the Florida Quality Council, a Co-Chair of the FQC Legislative Subcommittee, a ten year member of the International Association of Financial Crimes Investigators (IAFCI), the Association of Certified Fraud Examiners (ACFE), and the National Federation of Paralegals. For over ten years she has been actively involved with the Mortgage Banker's Association's Fraud and Ethics subcommittee and is a Director for Amiee’s Place Foundation, providing emergency financial assistance to young adults with life threatening illness.Born in Hartford, Connecticut, Cindi moved with her family to South Florida where she now lives with her husband and their four children in Broward County. She moved to Southern California to pursue her education where she received her bachelor’s degree in finance and a master’s in banking. The early years of her career were spent in leadership roles for global organizations including Wells Fargo Bank’s Real Estate Investment Group, Dreyfus Corporation/Mellon Bank, Countrywide, and Morgan Stanley Mortgage Capital Inc.

Raj Seshadri is the Executive leading Small Business Banking on Citigroup’s North America Consumer Management Team, as of January 1, 2010. In this role she is responsible for building Citicorp’s U.S. small business franchise holistically. She also provides global governance and leadership on behalf of Citigroup’s Executive Committee for Citicorp’s regionally based Local Commercial Banks.Ms. Seshadri joined Citigroup in 2008 as Global Head of Strategy. Over the past two years she worked closely with Citigroup’s senior leadership to navigate Citigroup through the challenging economic crisis. She helped develop and execute strategies for Citicorp and Citi Holding. She drove strategic and capital planning, facilitated regulatory interactions, and provided M&A support, working closely with all the products, geographies and functions across the company.Prior to Citigroup, Ms. Seshadri was Executive Vice President of Strategy, Marketing and Communications for U.S. Trust and a member of the U.S. Trust Policy Committee. She was responsible for strategy, M&A and planning. As the Chief Marketing Officer she managed all internal and external communications, including advertising, media and investor relations, client marketing, product marketing, marketing services, as well as regional, institutional and event marketing. After the sale of U.S. Trust from Charles Schwab to Bank of America, she supported post-merger integration, and drove the rebranding and repositioning for the new U.S. Trust, Bank of America Private Wealth Management brand.Ms. Seshadri came to U.S. Trust after eleven years with global consultants McKinsey & Company, where she was a partner in the New York office. She has extensive expertise across the financial services industry including private banking, retail brokerage, credit card, retail banking, consumer finance, asset management, as well as small business and middle market financial services. Her experience includes corporate and business strategy, marketing, product development, pricing, segmentation, risk management, mergers and acquisitions, and restructuring. Ms. Seshadri began her career as a physicist and was a post-doctoral member of the technical staff at Bell Laboratories. Ms. Seshadri holds an M.B.A. from Stanford University, with a certificate in global management. She also earned an A.M. and a PhD in Physics from Harvard University. She graduated A. B. summa cum laude in mathematics and physics from Mount Holyoke College. She grew up in India and is fluent in English, Hindi and Tamil.

Alfredo Gangotena is Chief Marketing Officer of MasterCard Worldwide, with global responsibility for the company's advertising, sponsorships, promotions, research, insights and digital marketing initiatives. Most recently, Mr. Gangotena was the Global Products & Solutions Lead and general manager for Europe at MasterCard Worldwide. Based in the European regional head office in Waterloo, Belgium, Mr. Gangotena was responsible for developing and implementing coordinated GP&S strategies and plans for the Region, including Product Development, Product Sales, Marketing, Communications and Advisors. Working with regional management and GP&S functional leads, he defined and prioritized GP&S activities which are in alignment with the regional priorities and customers, as well as executed integrated solutions designed to deliver top line revenue growth.Mr. Gangotena came to MasterCard Europe in April 2006 and was appointed as general manager for Continental Europe and the SEPA Region, spearheading the company’s operations across the markets, focusing on strategic planning, acceleration of growth and development of innovative businesses with key Regional Banks and Merchant partners.Previously, Mr. Gangotena was the senior vice president and general manager of the MasterCard Asia/Pacific Region, where he was instrumental in developing the company's competitive advantage and expanding the brand across the region.Mr. Gangotena, a French national, brings extensive general management and marketing expertise in international markets from his previous organizations. Before joining MasterCard in January 2004, he was CEO of Hutchison/Priceline, a joint venture between Hutchison Whampoa and priceline.com in Asia/Pacific. He also served as president and executive chairman of the Asia/Pacific Region for the Henkel Group of Germany. Prior to that, Mr. Gangotena held senior management positions with the Procter & Gamble Company as managing director Europe (Laundry Detergents Division), with Universal Music-PolyGram as CEO in France, and with the Walt Disney Company as senior vice president for the Disneyland Theme Park in Paris.Mr. Gangotena holds a Master of Science degree in Mechanical Engineering from the University of Wisconsin, Madison in the United States and is a graduate Engineer from Ecole Centrale Paris, France.

Nicole Sherman has 22 years of award winning executive leadership experience. This year Nicole was named one of only four women to the “Top 40 Under Forty” Business Executives and in 2007 was named a “Top 20 Under 40 Rising Star”. Nicole currently serves as Executive Vice President and Chief Banking Officer of AmericanWest Bancorporation. In addition, Nicole was the youngest Senior Vice President for a multi-billion financial institution. As an entrepreneur prior to AmericanWest, Nicole built the multi-million dollar company, Power Trainings International. Nicole is a nationally recognized speaker, trainer and author and has been the highest rated faculty member for the prestigious Pacific Coast Banking School at the University of Washington for eight consecutive years. She is well-known for her highly energized and engaging presentations.

Neil J. Morse is a principal of MORSE COMMUNICATIONS in Newtown, Conn., an editorial and marketing communications firm primarily serving the U.S. mortgage industry. The firm provides clients with experienced counsel and unparalleled contacts, along with services that include: feature and news release writing, panel placements at major industry conferences, and media Interview and monitoring activities. Mr. Morse began work in the mortgage industry 13 years ago, as an Executive Editor – later establishing his marketing communications firm in 2000. He has maintained an editorial presence as an independent industry writer, contributing regularly to Mortgage Banking Magazine, Inman News and MortgageDaily.com. A frequent conference participant, who attends some two dozen events each year, Mr. Morse holds a Bachelor’s Degree in Journalism and a Master’s Degree in Communications from Fairfield (Conn.) University, where he is an adjunct faculty member teaching classes in communications.

Craig Pfeiffer leads the Marketing and The Client Experience Group and is a member of the Executive Committee at Morgan Stanley Smith Barney. He is responsible for Marketing, Branding and Advertising , Financial Planning and Wealth Advisory Resources, Retirement Services, Client and Field Services, and the Corporate Client Group.Craig has been with Morgan Stanley Smith Barney and predecessor firms for over 27 years with a variety of leadership responsibilities. He has previously served in corporate roles as Head of High Net Worth Segment, Director of One Citi Solutions, and National Director of Marketing and Business Development while located in New York City. He served in field management roles as Regional Director of Northwest Region in Portland, Oregon, Branch Manager in Melville, Long Island, NY, Divisional Sales Manager in Detroit, Branch Manager and Financial Consultant in Cincinnati.Craig currently Co-Chairs the Private Client Services Committee of the Securities Industry Financial Markets Association (SIFMA) and serves on the Dean’s Council for Kelley School of Business at Indiana University. Additionally, he is on the Board of Citymeals-On-Wheels serving New York City and he is the President of Bright Seed Foundation, an organization providing microfinance support to self-surviving entrepreneurs in emerging economies in Eastern Europe.Craig graduated from the Indiana University Kelley School of Business. He is most proud of his wife of 29 years, Cissy, their married son, Austin and their married daughter, Haley.

Matt Macomber is the Executive Vice President of Internet Banking at Bank of the West. In this role, he oversees the strategy, development, and the operations of the Company’s online capabilities. This includes the Corporate web site, the consumer online banking platform, as well as the online new account origination services. He joined Bank of the West in June 2008 and is located in Walnut Creek, CA.Macomber has over twelve years of internet development and online marketing experience. Prior to joining Bank of the West, he served as Senior Vice President of eCommerce at Washington Mutual, where he oversaw the management and development of the thrift’s online consumer and small business operations. During that time, Washington Mutual became an industry leader in providing consumer internet solutions through its flagship web site, wamu.com. Previously at Washington Mutual, he held the position of First Vice President of Home Loans eCommerce, where he built and managed online solutions for consumers, mortgage brokers, correspondent lenders, and employees.  Before joining Washington Mutual, Matt spent four years in the internet consulting field, serving a variety of financial services and technology clients.