Banco Popular de Puerto Rico

Leslie Gillin joined Citigroup in October 2011 as the Head of Cards Sales and Marketing of Citi Cards.� She is responsible for the development of Citi Cards acquisition and existing customer marketing strategies, marketing execution across all channels, as well as marketing investment and optimization. �In this role, Leslie works closely with Product, Decision Management, and Global Consumer Marketing & Internet Office to drive alignment of marketing efforts focused on the customer. �She leads a team of 350 marketing professionals, accountable for Direct Marketing and Advertising, deepening our multi-customer relationship base, and helping to shape global cards digital strategy, focused on Sales, Service and Spend.Prior to this role, Leslie was the Direct Response and Analytical Marketing Executive for Bank of America, responsible for all direct marketing, analytics and targeted communications for the Consumer and Small Business Bank�s 60MM consumer households and 4MM small business customers.� During her 21 years at Bank of America and formally, MBNA America, Leslie held numerous business development and marketing roles across the United States, Canada and Europe.Before leading the Direct Response Marketing for the Consumer and Small Business Bank, Leslie was the Chief Marketing Executive for US Consumer and Small Business Cards and prior to that, the Chief Marketing Officer for MBNA Europe.��Leslie is a member of the Board of Directors of The Please Touch Museum of Philadelphia and the Board of Trustees for the Rosemont School of the Holy Child.� She was recognized as a 2010 Top 50 Women in Business by Delaware Today Magazine.Leslie graduated from the University of Delaware with a degree in International Relations and Spanish and also studied at the University of Salamanca in Spain.Leslie currently resides in St. David�s, Pennsylvania with her husband and three children.

Manuel �Manolo� S�nchez is chairman and CEO of BBVA Compass, and was named U.S. country manager for BBVA Group in 2010. Under his leadership, BBVA Compass has established itself as an innovative, principled and customer-centric bank and a model of community involvement from Florida to California.S�nchez, whose responsibilities include BBVA operations in New York as well as Bancomer Financial Holdings, has worked for BBVA for nearly 25 years. He joined BBVA Compass as head of community banking in 2008, having led Laredo National Bank for the previous three years after it was acquired by BBVA. Between 2002 and 2005, S�nchez served as chief risk officer for BBVA Bancomer in Mexico City.Earlier in his BBVA career, S�nchez served in New York from 1999 to 2002, Paris from 1994 to 1999, and Madrid from 1990 to 1994, holding positions in the corporate, investment and correspondent banking divisions of the bank.In addition to English and Spanish, he speaks French, German and Arabic. He lives in Houston with his wife and three children.Professional and Community Activities S�nchez was named Alabama Citizen of the Year for 2011 by the March of Dimes and was chairman for the American Heart Association�s Heart Walk in 2007. He is a board member of the Financial Services Roundtable, a governing director of the Houston Symphony, a member of the Yale Admissions Committee and the Greater Houston Partnership and a trustee at the Post Oak Montessori School.Education A graduate of Yale University, S�nchez earned master�s degrees in international relations from the London School of Economics and in advanced European studies from the College of Europe.

For the last 13 years Natasha Olivia has worked in the Consumer Lending Division of U.S. Bank. She is currently Vice President of the Product Profitability Group. She leads a group responsible for the pricing of consumer lending portfolio of installment loans and leases and manufactured housing. Highly trained Financial Engineers in the group perform advanced analytics and calculations on the static pool portfolio covering over a decade of historical data used for vintage analysis and backtesting, portfolio profitability statements and pro forma pricing. Natasha and the team work closely with various groups in the Bank: Credit Administration, Treasury, Risk Analytics and the Basel group in managing Consumer Lending profitability metrics. Natasha engages with business lines and outside consultants on collecting market intelligence data for regular reporting analytics.

As Wells Fargo�s Director of Social Media, Ren�e Brown leads the development and implementation of enterprise social media strategies for Wells Fargo. Her responsibilities include integration of team member social engagement, social communications, social media marketing and social servicing practices across the company.Brown, a 16-year company veteran, has more than 25 years of marketing, media and leadership experience. She most recently was the Director of Wealth, Brokerage and Retirement Marketing, and she served as the Director of Brand Management at Wachovia. She also held numerous marketing roles in Business and Small Business Banking. Before joining Wells Fargo, Brown was a marketing leader at two community banks in Louisiana and worked in radio for nine years.Brown holds a Bachelor�s and Master�s degree in Communication Theory from Louisiana State University, where she was named to Phi Beta Kappa.She is a featured blogger on the Wells Fargo Beyond Today blog and volunteers with numerous community nonprofits, including serving as a longtime board member of the Carolina�s American Red Cross and co-chair of the Tiffany Circle. She currently serves on the board of Out and Equal Workplace Advocates.

Duane joined The Primerica Home Office 26 years ago in 1987 as a Retirement Planning Clerk in the Mutual Funds Division. �He was promoted to positions of increasing responsibility over the next several years, and, in 1992, was named Director of National Securities Marketing. �After a successful three-year stint as Director, Duane was named Vice President of Marketing for Primerica-New York. �In June of 1997 he was promoted to Executive Vice President of Marketing and spearheaded the creation of a Regional Marketing division across the United States. The next 6 years Duane was instrumental in opening Europe for Primerica under the banner of CitiSolutions. �First, as Head of Marketing for Spain, later as Country Head of the UK. �(While living and working in the UK, Duane broke his neck playing rugby. �He was given a 99% chance of never walking again. �Duane has overcome those odds and now has the ability to walk.)

Meredith Verdone is Senior Vice President, Enterprise, Consumer and GWIM Marketing Executive at Bank of America, where she currently leads the Brand, Advertising, Research and Sponsorships teams, as well as additional enterprise marketing functions as part of the Global Marketing & Corporate Affairs organization. Verdone�s enterprise-wide functions include brand and media strategy, customer research, advertising, global sponsorships, local market delivery and agency management. She is also responsible for marketing operations, risk management and internal fulfillment and distribution.Verdone is also the enterprise leader of the Market President Network for Bank of America. The Market President Network is comprised of more than 100 senior leaders from various business lines who serve as Bank of America�s enterprise leaders in local markets across the franchise.Verdone previously led the Wealth & Investment Management marketing team responsible for translating business strategy into integrated sales and marketing programs to drive growth, profitability and client satisfaction for mass affluent and high-net-worth clients.Prior to her roles at Bank of America, Verdone held leadership positions across FleetBoston Financial�s Corporate Marketing group overseeing marketing development for Fleet Private Clients Group; Quick & Reilly, Fleet�s discount brokerage arm; and Fleet Investment Services group, serving large and mid-sized institutions. Verdone also led Fleet�s brand development after the bank�s acquisition of BankBoston. Verdone started at Fleet in 1999.Verdone came to Fleet from Hill Holliday, a Boston-based advertising agency, where she spent 14 years in management positions in both Media and Account Management. Verdone worked on the award-winning John Hancock television campaign as well as national, multi-media campaigns for PricewaterhouseCoopers, Spalding and Reebok.Verdone has served as a senior faculty member at the Consumer Bankers Association�s Graduate School of Retail Bank Management, and currently serves on the Ad Council Board and is a member of the ANA Board of Directors. Verdone is also an Executive Sponsor of the LEAD for Women Boston chapter providing leadership opportunities for women.Verdone attended Bowdoin College in Brunswick, Maine and graduated with a degree in Economics. Verdone lives in Newton, MA with her husband and two daughters.

Gordon A. Baird is the Chief Executive Officer and a Director of Independence Bancshares. He has had an extensive career in technology, banking and financial services, as well building new technology driven financial services businesses.� Mr. Baird is leading Independence as a platform banking company, utilizing technology to better service its customers across multiple delivery channels.�� Prior to joining Independence Bancshares in December 2012, Mr. Baird served as an operating advisor to Thomas H. Lee Partners, a leading private equity firm in Boston, MA and held senior positions at State Street Bank & Trust Company and Citigroup. Prior to that, he was a real estate investment and credit analyst at John Hancock Real Estate Finance.�� Mr. Baird is a Chartered Financial Analyst and member of the New York Security Analyst Society and holds a B.S. in economics from Emory University.‎

Jeff leads the team within PNC that helps to operationalize PNC�s brand strategy within Marketing and across corporate functions and lines of business. His team focuses on four primary areas: the customer brand experience, employee brand experience, brand tools & resources and brand education. He led the internal communications for PNC�s marketing transformation initiative that began in 2011.Prior to his current role, Jeff served as senior vice president, creative services and agency resource management for National City Bank. His background includes over 15 years experience leading client service for a marketing communications agency, working with Fortune 500 companies across a variety of industries.Jeff also serves on the marketing advisory board for Young Life, an international non-profit operating in over 80 countries.

Cristie Richards joined Zions Bank in 2000 and is responsible for the sales and service of Zions Bank�s network of 127 financial centers throughout Utah and Idaho.� She also oversees the Diverse Markets initiatives and Bankcard sales.� �In addition, she directs the Zions Bank at Work, Client Services Group and Personal Banker programs.Prior to Zions Bank, Cristie held various senior management positions at Westgate Corporation in Japan, a Japanese-owned financial company.� She worked there for seven years and thoroughly enjoyed the culture and the adventure.Active in community and industry affairs, Cristie has served as the chairman of the Utah Banker�s Association Retail Banking Committee, American Heart Association Heart Walk, chairman of the Workforce Development Committee for the Salt Lake Camber and United Way�s Giving Campaign for Zions Bank.� She currently serves as secretary on the Ririe-Woodbury Dance Company board of directors and as a member of the Utah Jump$tart Coalition board of directors.� She is a founding member of the Women�s Philanthropic Network, and a member of the Utah Council for Citizen Diplomacy.Cristie is active in promoting financial literacy, with an emphasis on budgeting.�� She was selected as a budgeting mentor for a family as part of KSL-TV�s �Imagine a Happier You� program in 2010.� She has conducted budgeting workshops at various conferences, including Senator Hatch�s Senior Conference and the Idaho Smart Women Smart Money Conference.� She has had numerous appearances on KSL TV and radio, ABC 4 Good Things Utah, Fox 13�s Big Buddah show, and Zions Direct.In 2010 Cristie was recognized by Utah Business magazine as one of its 30 Women to Watch.� In 2009, 2011 and 2013 she was among senior-level Zions Bank women recognized by American Banker magazine as one of the nation�s Top Banking Teams.Cristie received a bachelor�s degree in international finance and Japanese and a master�s degree in organizational behavior from Brigham Young University. �She is also a graduate of the PacificCoastBankingSchool.Cristie enjoys ikebana, travel, art, running and spending time with family and friends.�