Banco Popular de Puerto Rico

Lindsay joined MoneyGram in August of 2013 and is the senior manager of digital marketing analytics and social care.� She built�and now�manages MoneyGram's social care program, solving global�customer needs�24/7/365 with a team of 14 customer service representatives. Lindsay also led the design and implementation of MoneyGram�s Social Media Command Center. �She was previously at Nokia, where she was the care support and social care manager, running the day to day US social care program before moving it off-shore where she managed a social care team of four. She was twice awarded the�Nokia Global Care Award for the overall program and impact it had on the business. Lindsay holds an MBA from the University of Texas at Austin�s McCombs School of Business and a BA in Economics�from Vanderbilt University.

Tony Ross� 26-year career in banking has included general management, new business development, credit analysis, credit administration, and capital markets experience. Concurrently, Tony held a succession of increasingly more responsible positions within the Florida Army National Guard and U.S. Army Reserve retiring in 2012 at the rank of Lieutenant Colonel, Infantry.Mr. Ross joined Iberiabank in 2013 in Houston as Executive Vice President and Senior Credit Officer where he is responsible for reviewing and approving loans to Texas corporate, commercial and commercial real estate, healthcare, exploration & production, and energy service businesses along with maintaining overall portfolio quality. Tony is also a past Chairman of the Risk Management Association (RMA) Gulf Coast Chapter, past President of RMA�s Texas Chapter, and is RMA-Credit Risk Certified.Prior to joining Iberiabank this year, Mr. Ross was Senior Vice President and Senior Credit Officer for Capital One for four years where he was responsible for reviewing and approving loans to Texas corporate, commercial, and energy service businesses along with maintaining overall portfolio quality. Before joining Capital One, Mr. Ross was Senior Vice President and Commercial Risk Manager for Wachovia where he was responsible for underwriting, approving, and managing loans to Houston corporate businesses. Tony joined Wachovia after serving as Executive Vice President and Regional Senior Credit Director for Regions Bank where he was responsible for reviewing and approving loans to Texas and Louisiana corporate, energy (both E&P reserved based and service companies), commercial, and commercial real estate businesses along with maintaining overall portfolio quality. Tony joined Regions in 2004, from Washington Mutual where he was responsible for reviewing and approving loans to Texas commercial businesses as well as oil & gas corporate credits. Tony came to Washington Mutual in 1999 from SunTrust Banks where he was the first portfolio manager for SunTrust Bank�s Ag Commodities/Food Corporate Banking division covering Florida and the Western United States. He was responsible for developing and managing the ongoing monitoring, credit underwriting, industry analysis, and internal controls for the $1 byn in commitments agricultural and food processor loan portfolio.Prior to joining the Ag Commodities/Food Group, Tony was recruited internally in June 1996 to manage a commercial banking team where he was subsequently tapped in September 1996 to manage the Bank�s traditional relationship managers within the commercial lending line of business in Central Florida during a reorganization of that line of business. Prior to June 1996, Tony held relationship management positions in both commercial and corporate banking where he banked a broad range of relationships from small business to Fortune 1000 in industries as varied as short-line railroads to major retailers. Mr. Ross was Business Banker of the Year in 1991, and was instrumental in the improvement of relations with affiliate SunTrust banks in northern and panhandle Florida.An R.O.T.C. scholarship recipient, Mr. Ross recently retired as a U.S. Army Infantry Lieutenant Colonel who served in numerous leadership and staff positions in the National Guard including Rifle Platoon Leader, Company Commander, and Battalion S-4 (Logistics) Officer. A �go to� leader, Tony had the rare opportunity to command not just one, but two Infantry Companies. During his commands he led his units through critical state active duty deployments following Hurricanes Andrew and Opal and a successful rotation through the U.S. Army�s Joint Readiness Training Center. Tony was recognized for his military leadership accomplishments when he was selected as the 1996 Lowry Award recipient given annually to the outstanding Company grade officer in all of the Florida National Guard - both Army and Air. A veteran of Operation Iraqi Freedom, his last position with the Army was as the Director of the Battle Staff University of the 1st Mission Command Training Brigade of the 75th Training Division (MC) where he helped train experienced leaders in the design and execution of complex exercises that train Battalion and Brigade staffs and their subordinate units deploying to Iraq, Afghanistan, Africa, and Kosovo in the Military Decision Making Process and running Tactical Operation Centers.A native of Houston, Texas, Tony was graduated from Washington & LeeUniversity in 1983 with a B.S. in Geology and received his M.B.A. with honors from the Crummer Graduate School of Business at RollinsCollege in 1988. He is married to the former Janet Lee Bragin of Clearwater, Florida. Tony and Janet along with their daughter, Tova (age 12), and son, Avi (age 9), reside in the Memorial area where they enjoy golf, tennis, and the occasional martini.

Vivian Merker is a partner in Oliver Wyman's financial services practice in New York.

Donna Leaman is a board member for the Electronic Signature and Records Association (ESRA) and assistant vice president and senior legislative counsel for USAA State Government Relations. Leaman represents the USAA�s interests in several states at the state legislature, and also works with state insurance commissioners or state motor vehicle commissioners.�Prior to joining USAA, she was legislative counsel for Liberty Mutual Insurance in San Francisco, California. Leaman also holds extensive experience in claims management in the property and casualty insurance lines.Leaman earned a Juris Doctor degree from Suffolk University Law School in Boston. She is a member of the State Bars of Massachusetts and Florida.

Betty Cowell is a senior advisor with Simon-Kucher & Partners.

Soumya Sen is a Partner in Banking and Financial Services, Cognizant�s largest industry practice globally. Soumya has been in the consulting services industry for the last one and half decade and has� developed a keen interest in the Alternative Payments, Lending and Investment space.Soumya owns the Marketplace Lending Peer to Peer research track within Cognizant�s Payments practice. He has been following �the key trends in this disruptive P2P space very closely for last several years. His interests lie primarily in creating newer business models for the financial industry leveraging Advanced Analytics and latest digital technologies. In addition to this, Soumya�s areas of interests/specialization lie in Payments ( Consumer and Commercial) as well as Fraud and Risk systems.

Ravi is responsible for Business Banking Product Management for TD Bank America�s Most Convenient Bank serving Small Business, Commercial and Corporate, and Government Banking Customers from Maine to Florida. �Previously, Ravi was Head of Strategy, M&A and Planning for TD Bank. Ravi has over 20 years of experience. His experience spans consumer and business banking at MBNA/Bank of America, Swift Financial (a direct national small business banking startup) in all aspects of banking such as Strategy, Reengineering, Product Development and Business Development. Prior to that, Ravi was in management consulting at McKinsey advising senior management at large Corporations. He started his career as an engineer with the Cleveland Clinic Foundation.Ravi is an alumnus of the Indian Institute of Technology, The Ohio State University and the University of Pennsylvania, Wharton School.

Elizabeth Braman is the Chief Production Officer at Realty Mogul responsible for procuring equity and debt investment opportunities. Elizabeth is a JD, MBA, CCIM, and an award-­-winning finance executive, with 15 years of experience in commercial real estate lending, business development, credit and sales. Her current role as head of production at Realty Mogul charges her with oversight of all sides of origination, including credit, sales and operations. She is a pioneer in bringing technology and big data to credit based decision making, acting as a lead architect on developing the company�s proprietary credit algorithm. Prior to joining Realty Mogul, Elizabeth was the Chief Production Officer at ReadyCap Commercial, one of the only non-­-bank, direct small-­-balance commercial real estate lenders providing bridge, conventional and SBA financing nationwide. During her tenure at ReadyCap she built a sales team of over a dozen commercial real estate professionals originating loans across the country as well as developed, launched and marketed a unique brand in the commercial lending world.Prior to ReadyCap, Elizabeth was Senior Vice President of Skyline Financial's Commercial Real Estate Lending Division, managing all aspects of the commercial staff, operations and production. A mortgage bank, Skyline funded nearly $2 billion dollars in annual residential loan production in 2012 and was named one of the top 100 Mortgage Companies in America (#48) by Mortgage Executive Magazine. Initially an investor in the company, Elizabeth created the Commercial Real Estate Lending Division to offer commercial loans to the clients of over 130 loan officers across four states.Previously, Elizabeth owned, operated and launched several successful companies in the real estate and technology sectors. As Senior Vice President of Watermark Financial, a commercial real estate finance company, Elizabeth and her team were engaged to run the Commercial Lending Division of Peak Finance in Beverly Hills. She continues to serve as a board member and major shareholder of Learning Objects, a Washington, DC technology firm she co-­-founded in 2003.Elizabeth served as the 2012 President of the Greater Los Angeles Chapter of CCIM and was honored with CREW-­- LA�s prestigious Rising Star Award 2011. She has taught courses in Real Estate at the University of California Los Angeles extension program, and currently sits on the board of Barlow Hospital, located in downtown Los Angeles. She started her career as an attorney in Washington, DC, at Blumenfeld & Cohen and later at Wilkinson Barker Knauer, LLP where she represented several Fortune 500 companies. Elizabeth received her B.A. from The American University and her J.D. and M.B.A. from The George Washington University.

Nino Fanlo, SoFi�s Chief Financial Officer and Chief Operating Officer, brings over 30 years of experience in financial services and capital markets. Nino was the former CEO of KKR Financial (NYSE: KFN) and Executive Vice President and Treasurer of Wells Fargo (NYSE: WFC). Before his nine years at WFC, Nino was a Vice President at Goldman Sachs responsible for the Commercial Mortgage Backed Securities desk. Nino also had prior investment banking and asset management roles at Credit Suisse, Metropolitan Life and Australian Capital Equity, where he focused on commercial real estate fixed income assets as well as capital raising and funding activities.Nino holds a BA degree in economics from Haverford College in Pennsylvania.

Peter L. Cherpack is a partner and executive vice president at Ardmore Banking Advisors, focusing on credit data management and risk control.