Banco Popular de Puerto Rico

Nitin Mhatre is Executive Vice President, Head of Community Banking for Webster and Webster Bank.He joined Webster in October 2008 as Executive Vice President, Consumer Lending of Webster Bank and was appointed Executive Vice President, Consumer Finance in January 2009.Prior to this, Nitin worked at Citigroup in St. Louis, Missouri and Stamford, Connecticut in various capacities. In his most recent position, he was the Managing Director for the Home Equity Retail business for CitiMortgage based in Stamford, Connecticut. �Prior to that, he was Director, Cards Cross-Sell and Portfolio Management for CitiMortgage based in St. Louis, Missouri, Marketing Director for Citibank Guam, Product management head for Mass affluent & Diners Club Cards�for Citibank, India based in Chennai, India and Cards Sales Manager for Citibank India based in Mumbai, India.Nitin earned his bachelors degree in electronic engineering and his MBA at BombayUniversity in India.

Steve Allan is a managing director with SVB Analytics, responsible for leading SVB Analytics in executing client engagements, issuing valuation opinions for private companies, and conducting research in the technology and life science private financing arena. Allan brings a strong financial background and passion for entrepreneurship to his leadership role at SVB Analytics.Prior to joining SVB Analytics in 2008, Allan worked with J.P. Morgan Chase in New York for the firm's fixed income trading business. While at J.P. Morgan, Allan worked with both the proprietary and client-focused U.S. Dollar Fixed Income Derivatives desks.Before J.P. Morgan, Allan worked with AT&T. Joining AT&T in 2000, Allan completed the two-year rotational training Financial Leadership Program. After graduating from the program, Allan joined AT&T Consumer Services in a marketing and sales role developing models for customer acquisition and retention partnerships and strategies.In 2006, Allan co-authored the winning business plan and best presentation award winner for the IrishAngels-sponsored University of Notre Dame McCloskey Social Business Plan Competition with a plan for a socially-focused, hybrid for-benefit organization, PEPY Tours. Allan then served as a board member and Chief Financial Officer for the organization.� Previously, Allan founded both technology and medical device start-ups.Allan earned a Master's in business administration from Duke University's Fuqua School of Business and a bachelor's degree in finance from the University of Notre Dame.�� Allan has been conferred the Chartered Financial Analyst designation.

As PNC�s Retail Segment Executive, Steenson is responsible for developing and executing the business banking and consumer mass-affluent and mass-market segment strategies. In addition, Steenson directs PNC�s customer group activities. These customer groups include Diverse Segments, Virtually-Domiciled Customers (VDCs), Students, Workplace Banking, Low-to-Moderate income (LMI), Women�s Business Development and Employee Banking. Prior to his current role, Steenson led Consumer Marketing and, separately, Consumer Checking Products. In his marketing role, Steenson planned and coordinated marketing activities for loan, deposit and debit card products. While leading Consumer Checking Products, Steenson was a key part of the team that created, launched and marketed a series of Virtual Wallet� solutions.Steenson came to PNC Bank in 1998 from Federated Investors where he led a mutual-fund accounting team. Prior to his roles leading Retail Segments, Consumer Marketing and Consumer Checking Products, Steenson held positions in finance, accounting and information systems support. Steenson previously served as Board Member (2005 to 2011) and Treasurer (2007 to 2011) of the Dollar Energy Fund.Steenson holds a Bachelor of Science degree in accounting from Robert Morris University and both Master of Business Administration in Finance and Master of Science in Information Systems Management degrees from Duquesne University.

Christophe is a partner in PwC's FSR practice (Financial Instruments, Structured Products, Real Estate) with close to 20 years of experience in the financial services industry in the US, Europe and Asia Pacific. Christophe is currently based in Atlanta, and leads the delivery of PwC�s Dodd-Frank Act Stress Testing (DFAST) services to mid-sized banks. Throughout his career, he has advised financial institutions with implementation solutions to complex challenges presented by regulatory and reporting change such as:-Accounting and financial reporting change (US GAAP and IFRS, SEC reporting, risk disclosures);-Regulatory change � Basel II/III, Comprehensive Capital Analysis and Review (CCAR), and DFAST for mid-sized financial firms-Model risk management and model validation; and-Valuation and reporting of complex financial instruments.Examples of relevant client projects Christophe has led recently:-Advised US regional financial institutions with their end-to-end implementation of the DFAST requirements for their March 2014 submission, including the following elements: governance, capital management, risk management, model development, reporting, processes and internal controls, and project management.-Assisted two CCAR institutions with their January 2013 submissions with an emphasis on model validation, in response to regulatory feedback. This involved developing a model risk assessment framework, model validation procedures, and conducting model validation on credit, operational risk, PPNR, and CVA models.-Helped a global US banking institution with the preparation of their resolution plan, including the funding plan. -Assisted global banks based in Europe and Asia with their US GAAP and/or IFRS conversion and SEC reporting in the context of US-bound IPOs, M&A activity or regulatory change � this involved accounting advice on complex matters, but also advisory services on system implementation, process design, business and regulatory impact analysis, investor relations strategy, people change / training programs, and other aspects required to embed change within the organization.-Assisted several banks globally with the development of credit loss forecasting models for consumer and commercial loan portfolios for the purpose of the allowance for loan losses and Basel II.-Advised a large European banking institution with the implementation of their Basel II calculator and reporting solution, which involved developing an IT infrastructure, a data-warehouse, defining business requirements, tailoring the design of the calculator engine, and implementing the end-to-end solution.Christophe co-authored PwC's book on Basel III with a group of specialists from PwC's global network, and wrote a number of other thought-leadership pieces on stress testing and financial / risk reporting.Prior to joining PwC in 2002, Christophe spent 9 years with Arthur Andersen in the audit practice, focused on financial institutions.

Kaizad Cama is a Director in SunGard�s Risk Consulting advisory practice, which assists the firm�s banking clients in developing stronger risk management processes and strategies. Kaizad oversees engagements around capital planning and capital adequacy assessment, stress testing, credit risk model development and allowance setting. He led the consulting group�s efforts in the area of risk-adjusted loan pricing and relationship profitability. Kaizad has also worked with the board and senior executives of large commercial and retail banks to establish their risk appetite frameworks and develop their lending strategies. His articles on risk appetite setting and incentive compensation have been published in the RMA Journal and American Banker. Kaizad joined SunGard in 2005 through its acquisition of ERisk, a spin-off of Oliver Wyman. Prior to that, he earned his Bachelor�s and Master�s degrees from Stanford University.

Kyle Barnett is the Head of Personal and Small Business Sales Force Effectiveness for BMO Harris Bank, which has over 2 million customers and 650 bank branches located across 7 states.��� BMO Harris is part of BMO Financial Group, one of North America�s leading financial service providers.�Mr. Barnett joined BMO Harris Bank in 2010 when he was recruited to develop and deploy sales performance operating model for the branch network.� This robust and high-performing model is focused on achieving significant and ongoing improvement in productivity, customer experience and financial results.� Prior to joining BMO Harris Bank, Mr. Barnett worked for Citizens Financial Group (part of Royal Bank of Scotland) where he had a variety of roles in Business Banking including front line sales management, business strategy and sales support.�Mr. Barnett holds a BA from SwarthmoreCollege and earned his MBA from HarvardBusinessSchool. He was selected to the Crain�s Chicago Business 40 under 40 in 2011.

As Founder and CEO Renaud is responsible for overseeing the strategic direction and operation of Lending Club. Renaud has appeared in many leading publications including The Wall Street Journal, The New York Times, The Washington Post, USA Today, BusinessWeek and Barron�s. Renaud has been featured on CNBC, Bloomberg, ABC News, CBS News, and Fox Business News.Before Lending Club, Renaud was the Founder & CEO of TripleHop Technologies, an enterprise software company acquired by Oracle Corporation in June 2005. Prior to that, Renaud was a Senior Associate at New York law firm Cleary Gottlieb Steen & Hamilton.He was named a 2013 Ernst & Young Entrepreneur Of The Year� Award Winner for Northern California, 2012 Entrepreneur of the Year at the BFM Awards, and in 2002 was honored with the HEC Entrepreneur of the Year award. Renaud has also won the French sailing championship twice, in 1988 and 1990.Renaud has a Masters of Business Administration from HEC and London Business School and a JD from Montpellier University. He is a frequent guest lecturer at Columbia Business School and a member of the Young Presidents� Organization.

Sam Hodges is Co-Founder and Managing Director of Funding Circle. Under his leadership, Funding Circle has grown its US business exponentially and the business has emerged as the world’s leading marketplace for business loans. Before co-founding Funding Circle, Sam served as Vice President of Business Development at SecondMarket – an early pioneer in the online financial marketplace sector. Sam was also part of the investment team at Pequot Capital, an $8 billion global fund manager, where he covered investments in financial technology and information services. He started his career as a strategy consultant at Katzenbach Partners, where he advised financial services and technology companies. Sam currently serves on the boards of two private companies. He received his MBA and MS from Stanford University and graduated magna cum laude from Brown University.

In March, 2007, Patricia A. Husic led a team of shareholders to acquire, establish and turnaround Centric Bank and Centric Financial Corporation, where she now serves as President and Chief Executive Officer. Prior to taking the leadership role at Centric Bank, Patti joined Vartan National Bank, serving as Executive Vice President and Chief Financial and Operating Officer. She was appointed to President in July 2005, making her the only woman in Central Pa leading a financial institution.��In her current position as President and CEO of Centric Bank, Patti has a diverse range of responsibilities, but is primarily charged with carrying out the strategic direction of the bank and meeting its financial goals as established by the Board of Directors where she serves as a member. Under Patti�s leadership, Centric Bank has been twice named among the Best Places to Work in Pennsylvania and is a three-time award winner of the 50 Fastest Growing Companies in central PA.In a nationwide recognition award event by American Banker, �The Most Powerful Women in Banking in the US�,� Patti was named one of 25 �Women to Watch� in Banking and Finance in the United States for 2011 and 2013. She was an Athena award honoree, a recipient of the Best 50 Women in Business in PA, honored by Gov. Edward G. Rendell and the Department of Community & Economic Development and named a Woman of Excellence by the YWCA. Patti also served as a judge for the Best 50 Women in Business in PA the year following her award.� Husic�s professional memberships include the PICPA and AICPA, Women�s Business Network, and American Bankers Association.Patti is Chair of the Pennsylvania Bankers Association and founder of its Women in Banking initiative. She is a board member of the Whitaker Center for Science and the Arts, American Heart Association, former board member of the Capital Region Economic Development Corporation (CREDC/Harrisburg Chamber of Commerce), and has been actively involved in local charitable organizations including the Big 33 Scholarship Committee, Bishop McDevitt High School Blue-Gold Gala Committee, and chaired the �Light the Night Walk� for the Leukemia and Lymphoma Society.Before rising to executive positions at Centric Bank and Vartan National Bank, Patti was a member of the executive management team at Pennsylvania State Bank, where she successfully spearheaded the finance and accounting area for 10 years. She also led the turn around and managed the technology and management information functions for 4 years. Prior to her distinguished career in banking, Patti worked for a local CPA firm where she specialized in auditing financial institutions as well as government and non-profit entities.�Ms. Husic is a graduate of Temple University where she earned her B.B.A. in Accounting and Management Information Systems.� She is also a Certified Public Accountant in the state of Pennsylvania.