Banco Popular de Puerto Rico

Over twenty (20) years� experience in consumer lending, holding various positions ranging from Underwriting Manager to SVP Portfolio Manager, at FINOVA Capital Corporation and CapitalSource. Three years� experience at Capital One Commercial Bank as an SVP Relationship Manager in the Specialty Finance Lender Group (2011 � 2014).� Have focused on Digital Lending since 2012 and have funded eight transactions with credit lines in excess of $500MM.� Actively seeking to add new platforms and clients to lend to and expand the lending relationships with current platforms and clients. BS in Accounting from East Texas Baptist University, cum laude 1986 and MBA from the Owen Graduate School of Management at Vanderbilt University 1990 with concentrations in Finance and Marketing.

As CEO and CFO of Petra Partners, Nicole Rothschild oversees all strategic, managerial and financial aspects of the firm, in addition to her role as Managing Partner of her family�s NY-based Rothschild Family Office. Nicole also manages her family�s MEIT Realty business, which owns and operates multi-family, office and retail property in the NY tri-state area and along the US East Coast.Prior to joining MEIT Realty in 1995, Nicole worked as a staff accountant at Ernst & Young�s Kenneth Leventhal real estate group, focusing on forensic accounting related to the failures of MBS hedge funds.Nicole graduated summa cum laude with a Bachelor of Science degree in Accounting and Economics from New York University�s Stern School of Business. Nicole is a Certified Public Accountant.

Steven J. Ramirez is CEO of Beyond the Arc, Inc., a customer experience and advanced analytics firm recognized as a leader in the field of customer experience. They help financial institutions strengthen customer relationships and differentiate themselves in the marketplace. The company's social media data mining helps clients improve their customer experience across products, channels and touch points.

Deva is a technologist at heart who brings a unique business value proposition with his diversified experience in various vertical industries that include Banking, Finance, Mortgage, Healthcare, B2B marketplaces and Logistics. Deva has been involved in business and IT strategy, creating and delivering digital roadmaps and developing large scale Web, Mobile and Enterprise class software architecture, design, applications and product development.Deva has two Masters degrees in Computer Science and an Executive MBA from University of Utah. He is involved in various social causes in the Salt Lake City area by engaging actively at United Way and the Asian Pacific Diversity Council at Zions Bank.Deva loves to understand new emerging technologies especially in area of Fintech, Marketing Technologies, Big Data Analytics and Emerging Payments. He closely follows the startup activity and blogs about the industry trends at his personal blog and Twitter. Some day he would love to return to school to get a PhD.

Scott Coble serves as Lead Region President for Florida, where he is responsible for more than 8,400 team members and more than 650 stores across the state.A 27-year veteran with Wells Fargo, Coble started his career as a consumer banking associate in Charlotte, and since then, he has spent the majority of his tenure in leadership positions throughout the southeast.Based in Miami, Coble serves as a member of the Board of Directors for the Florida Bankers Association and is a member of the Florida Council of 100. In addition, he is a member of the United Way of Northeast Florida�s Board of Trustees and serves on its Education Committee. He recently served as a founding board member of City Year Jacksonville.Coble successfully led the first Wells Fargo �place-based initiative� in Florida, a project that established the Historic Springfield Community Center to further financial literacy, small business growth, home ownership and non-profit involvement in the Historic Springfield community of Jacksonville.He is a graduate of Clemson University where he earned his bachelor�s degree in Financial Management.

Josh has two decades of award-winning integrated and digital experience across a wide variety of industries and geographies. At Story�s Chief Marketing Officer he is responsible for the New Business and the Strategy & Measurement teams. Previously he was Chief Digital Officer at Grey NY, where he worked on campaigns for Canon, Hess, Red Lobster and Pantene. Previously, as the Managing Director of Digital at Euro RSCG (now Havas) he managed the whole of the digital operation driving digital campaigns for Dos Equis� �Most Interesting Man�, Volvo, ExxonMobil, GSK and Charles Schwab.� Josh had a stint in broadcast media as the Group Director of Digital Marketing at NBC Universal, where he launched the digital-media offering for each broadcast and cable network.� And Josh launched Young & Rubicam�s interactive group for accounts including Xerox, Sony, Accenture and AT&T. He began his career in thefilm and television industry in Los Angeles after his film degree from Ithaca College and MBA from NYU.�

Christine Barry serves as research director for Aite Group's Wholesale Banking practice, focusing on the strategies and technology implementations of global banks of all sizes. Her recent research has addressed global cash management trends and technologies, capturing the valuable small-business customer, corporate mobile banking, the drivers of global core banking system replacement, remote deposit capture, and best practices for community banks and credit unions. She is a seasoned banking industry expert with more than 15 years of experience in financial services products and technologies. She has worked with a broad range of U.S. and international clients, analyzing industry trends and identifying market opportunities, product gaps, and potential partners to help them achieve their strategic IT goals.Ms. Barry has presented her research at various conferences, including the AFP Annual Conference, NACHA Payments and NACHA Global Payments, BAI Retail Delivery, BAI TransPay, Windy City Summit, TMANE, and several technology vendor user conferences across the globe. She has been quoted in various media outlets, including The Wall Street Journal, The New York Times, BusinessWeek, American Banker, Bank Systems & Technology, and Credit Union Times. She has also appeared on CNN.Before joining Aite Group, Ms. Barry was a senior consultant in the strategy practice at HighQuest Partners, where she helped technology companies to enter, grow, and succeed in U.S. markets. Prior to that, she was a senior analyst for Celent Communications' banking group, with a focus on cash management, commercial lending, core banking/processing, small-business banking, mortgages, and biometrics. She did similar work as a research analyst for the e-financial services group at Meridien Research (now Financial Insights). She began her career gaining in-house experience as an associate in commercial and municipal lending at KBC Bank and as a financial analyst for Citibank in the firm's global derivatives and strategic initiatives groups.Ms. Barry holds an M.B.A. from Babson College and a B.A. in international business from Villanova University. She is a triathlete and has completed six marathons.

Wei is a Director with Simon-Kucher & Partners, and holds joint appointment in the New York and Toronto offices. He specializes in strategic issues at the marketing-operations interface. Wei's primary consulting focus is on pricing, marketing, and risk analytics topics with large financial institutions in the US, Canada, and Europe.Besides financial services, Wei has developed customer-centric pricing and marketing optimization solutions for a department store chain and an entertainment company in the US. He has also developed optimization solutions for clients in self-storage, healthcare, shipping, and solar energy industries.Wei has been published in leading banking journals, including American Banker BankThink, Bank Accounting & Finance, and BAI Banking Strategies. He has also co-authored MBA teaching cases on retail pricing, currently in use at Columbia Business School and NYU Stern School of Business.Wei received a PhD in Decision, Risk, and Operations from Columbia Business School, and a BS in Electrical Engineering & Applied Mathematics, summa cum laude, from Columbia University.