Banco Popular de Puerto Rico

Sarah Todd is the Deputy Editor of BankThink, American Banker's opinion blog. She previously wrote for the American Institute for Economic Research, with an emphasis on consumer debt labor, monetary policy and the economic recovery. Todd has also been a regular contributor to The Billfold, a personal finance web site. Her twitter handle is @SarahLizChar.

Bob Corker grew up in Chattanooga, Tennessee. He attended public schools, played sports, and from an early age learned to love and value hard work. He took his first job at age 13 picking up trash and spent his teenage years bagging ice, working at the Western Auto and putting in long hours as a construction laborer. Bob graduated from the University of Tennessee in 1974 with a degree in Industrial Management, and after working four years as a construction superintendent, he started his own construction company with $8,000. The company grew as it quickly gained a reputation for meeting deadlines on time and under budget and eventually expanded to operations in 18 states. In 1999, Corker acquired two of the largest and oldest commercial real estate companies in Chattanooga.After traveling with his church on a mission trip to Haiti in his late twenties, Bob began to take a closer look at needs in his own community. He led the creation of Chattanooga Neighborhood Enterprise, a non-profit organization that today has helped over 10,000 families secure decent, fit and affordable housing through low-interest loans and personal training in home maintenance. In 1994, Bob was appointed Tennessee Commissioner of Finance and Administration, where he served for two years in the highest appointed office in state government. As commissioner, he tightened the state's budget and helped move almost 40,000 Tennesseans off welfare and into jobs. In 2001, Bob was elected mayor of Chattanooga. During his four-year tenure, he attracted $2.1 billion of new investment to Chattanooga, transformed the waterfront, implemented merit bonus pay for teachers which dramatically raised student achievement in some of the city�s most challenged schools, and worked with local law enforcement officials to cut violent crime in half.On November 7, 2006, Bob Corker was elected to serve the people of Tennessee in the United States Senate. He is ranking member of the Foreign Relations Committee and an active member of the Banking, Housing, and Urban Affairs Committee. Bob and his wife of 26 years, Elizabeth, live in Chattanooga. They have two daughters, Emily and Julia, and a son-in-law, Justin Spickard.

James Ballentine is the Executive Vice President of Congressional Relations and Political Affairs for the American Bankers Association (ABA).James, a 13 year veteran of ABA, leads the association�s Congressional Affairs and lobbying group and is responsible for managing and directing ABA�s political operations and grassroots initiatives.����Prior to his current duties, James served as ABA�s Senior Vice President for Grassroots and as Director of ABA�s Center for Community Development.� Prior to ABA, James served as the Associate Deputy Administrator at the U.S. Small Business Administration (SBA) and as the Senior Advisor to SBA�s Deputy Administrator.� �Before SBA, James worked nine years on Capitol Hill as Chief of Staff and Legislative Director (1993 � 1998) to former House Banking Committee member Maryland Congressman Albert Wynn (D-NY) and as Legislative Director (1989-1992) to former New York Congressman Frank Horton (R-NY).

Steven is a member of the Cisco Legal executive management team where he manages the Legal Technology Solutions (�LTS�) and Global Export Trade (�GET�) teams. The LTS team is chartered with developing and maintaining systems and process that support the efficiency and accuracy of legal functions at Cisco. These systems and processes include contract management, export compliance tools, regulatory compliance, legal knowledge management, web-based resources, and file room operations. The GET team is responsible for expediting Cisco�s worldwide trade by ensuring global compliance with global export rules and regulations.He holds a B.S. degree in Business Management (Information Systems emphasis) and a J.D. degree, both from Brigham Young University.

Bill Koleszar currently serves as Senior Vice President of Marketing for Wealth Management & Commercial Banking for BBVA Compass, one of the 20 largest banks in the U.S.� In this role, Koleszar leads a team that is responsible for conceiving of, developing, and executing marketing initiatives targeted to high net worth individuals and C-suite executives across the bank�s foorprint.Prior to joining BBVA Compass, Koleszar served as Senior Vice President of Marketing for Wealth Management at RBS Citizens, where he also served on the bank�s strategic planning committee. Prior to RBS Citizens, Koleszar was Chief Marketing Officer for Vesdia Corporation, a venture-backed technology company that was acquired by a private equity firm at a significant return on investment to investors. Prior to joining Vesdia, Koleszar held progressive marketing and management positions with SunTrust and Bank of America.His ground-breaking research in the field of marketing strategy has been featured in various business publications, including the prestigious Developments in Marketing Science, published by the Academy of Marketing Science, Enhancing Knowledge Development in Marketing, published by the American Marketing Association and The Chief Marketing Officer Journal, jointly published by The CMO Institute and the American Marketing Association.� Additionally, Koleszar has been interviewed and/or quoted as a subject matter expert by dozens of print and broadcast media outlets including The Wall Street Journal, USA Today, Money Magazine, Kiplinger�s, The Washington Post, National Public Radio, and The CBS Evening News.Koleszar holds a Bachelor of Science in Marketing Management from Florida State University and a Master of Business Administration from the University of Central Florida. He has also completed pre-doctoral work in Marketing Strategy at Georgia State University and Executive Education courses in Leadership, Strategy, and Service Excellence at Harvard Business School.

Ms. Klingler joined Sovereign bank in May 2011. As Executive Vice President/Chief Marketing Officer and member of the bank�s executive management committee, Ms. Klingler is responsible for building and managing the global brand of Santander in the United States. This includes alignment of marketing and communications initiatives to the bank�s overall business objectives for the bank�s four core businesses including Retail Banking, Corporate Banking, Global Banking & Markets and Santander Securities.Ms. Klingler has recently managed and successfully completed a bank-wide initiative to rebrand Sovereign Bank to Santander in the U.S. including the development of the bank�s overall brand positioning and execution strategy for the U.S. rollout,impacting 9 states, 720 branches, 9,000 employees and over 1.8m customers.Functional areas within her responsibility include Brand Management, Advertising, Digital and Social Media, Sponsorships, Event Management and Marketing Services. During her tenure at the bank, Ms. Klingler held previous roles including Director of Corporate Communications responsible for all internal and external communications and Corporate Social Responsibility.Prior to joining Sovereign, Ms. Klingler held various high-level management roles including Senior Vice President of Business Strategy, Brand Management and Communications for John Hancock Financial Network, Senior Vice President for Fidelity Capital and Senior Manager in KPMG�s financial consulting practice in both the U.S. and United Kingdom.Ms. Klingler is on the boards of Horizons for Homeless Children and WGBH. She is a Certified Public Accountant and received her B. A. from Widener University.Ms. Klinger is a resident of Scituate, MA where she lives with her husband and three children.

Michael M. Carter is the CEO and President of BizEquity, the first patented and leading online business valuation service. BizEquity was created to democratize and provide better access to business financial knowledge for the Global 200 million SMEs. Michael was formerly Managing Director of The Musser Group, where he worked with entrepreneurs to help finance, structure and grow companies along with legendary venture capitalist Warren V. "Pete" Musser the� founder investor behind Comcast; QVC; and Novell. In his career so far, Michael has assisted in raising more than $300 million in capital as an executive or founder of technology companies. He has been affiliated with and has helped to create over $2 billion dollars in shareholder equity or value. Michael has founded three technology companies and served as an executive officer of a billion dollar publicly traded technology services firm. He began his career in Management Consulting at Cambridge Technology Partners where he helped leading Global 2000 organizations embrace technology to enhance outcomes. Michael is on the board of the Arthur Ashe Youth Tennis and Education Center; on the board of Daleco Resources a clean energy and concern; and is the founder of Entrepreneurs Management Group.