Banco Popular de Puerto Rico

Shaheen is a Managing Director and Global Leader for the Model Risk practice as well as Capital Management activities for Protiviti. She has 25 years of experience in all aspects of risk management-domestic and international. This includes enterprise-wide risk governance and reporting, risk modeling and model validation, credit approvals and credit portfolio management, as well as Basel qualification and compliance. Prior to joining Protiviti, she was an Executive Vice President at PNC Financial Services Group, where she held various leadership positions, including Head of Risk Analytics, Leader of the Basel Implementation Program, Head of Model Validation, Chief Performance Officer, and Head of Credit Portfolio Management. Before that, Shaheen worked at Mellon Bank, initially as an Economist and then as a Senior Credit Approval Officer. Selected one of 2011�s �Top Women in Retail and Finance� by Women of Color Magazine. Shaheen has published widely on Risk topics, and is a frequent speaker at National Conferences and Industry Associations.

Julie Cords has more than 25 years of experience in the banking and financial services industry. Julie is a career banker and has held various banking positions, including branch manager, training coordinator, marketing and compliance.�She most recently served as Vice President of Marketing and Quality Assurance at Eastwood Bank. Eastwood Bank has $634 million in assets and 15 offices in southeast Minnesota. �In this role, she managed all marketing, product research, public relations, community involvement, training, and customer satisfaction programs.As a member of the senior management, she helped shape the strategic direction of the organization. She oversaw and managed key functions within the bank to ensure enterprise wide goals and objectives were met.Julie enjoys using her many years of banking experience to help banks develop actionable strategies to improve performance and increase overall efficiency.She holds a degree in Business Administration.

Since 2003, Mike Carhill has served as a Director In the Risk Analysis Division (RAD) of the Office of the Comptroller of the Currency. RAD employs quantitative modeling experts who specialize in one or another of about one-dozen lines of business to advise bank examiners, bankers, and policy makers on the state of the art in risk-management-information systems, asset pricing models, and statistical modeling of fair-lending compliance.Mike joined the OCC as a staff economist in 1991, and was Deputy Director for Market Risk Modeling from 1995-2003. Before joining the OCC, Mike was a staff economist with the Federal Home Loan Bank of Atlanta, engaged in researching the role that interest-rate risk plays in thrift profitability and as a consultant on risk-management issues. He received a Ph.D. in economics in May 1988 from Washington University.

Mr. Pirzada joined The Private Bank in March 2010 and serves as the Corporate Treasurer. Mr. Pirzada is responsible for funding and liquidity risk management, interest rate risk management, asset liability management, investment portfolio management, debt and equity capital transactions, capital planning, stress testing and Insurance. Prior to joining The Private Bank, Mr. Pirzada served as Vice President, Corporate Finance and Corporate Treasurer of TransUnion Corporation from May 2008. Prior to joining TransUnion, Mr. Pirzada was with LaSalle Bank, part of ABN AMRO Bank, where he held a variety of roles in Risk Management and Corporate Treasury, and as Senior Vice President, Corporate Acquisitions. He received an MBA in Analytic Finance and Economics from The University of Chicago.

Daniel Bley is Executive Vice President and Chief Risk Officer of Webster and Webster Bank. He joined Webster in August 2010. Prior to that, Daniel worked at ABN Amro and Royal Bank of Scotland ("RBS") from 1990 to 2010. While at RBS, he served as a managing director of the Financial Institutions Credit Group. Prior to this position, he was Group Senior Vice President, Head of Financial Institutions and Trading Credit Risk Management at ABN Amro.Daniel serves on the board of directors of Junior Achievement of Western Connecticut.He earned his bachelor's degree in economics from the University of Michigan and an MBA in finance from the London Business School.

Bill Brice is the 2014 chairman of the Electronic Signature and Records Association (ESRA) as well as the founder of AlphaTrust Corporation, a provider of eSignature solutions. He started AlphaTrust in 1999 to capitalize on a sustained, long-term shift from paper-based document processes and has become an industry leader in electronic and digital signatures. Brice�s areas of expertise centers on the applicability of electronic signatures to particular work processes, transaction types and risk/reward analysis. Brice co-founded Brice Foods in 1978, and as chairman and CEO grew the company into a global enterprise best known for �I Can�t Believe It�s Yogurt� stores. The franchise has expanded to include 1,500 locations in 43 countries. With Brice Foods he designed leading-edge computer information systems for operations, manufacturing and research and development.Brice is a graduate of Southern Methodist University in Dallas. He received the Entrepreneur of the Year award in 1995 from the International Franchise Association.

Jeffrey Boorjian is currently the Regional Vice President of Marketing, Eastern Division, and responsible for influencing customer behavior resulting in increased revenue and profitability for the world�s largest provider of casino entertainment, Caesars Entertainment (formerly Harrah�s Entertainment). Jeffrey has been with Caesars for over five years in marketing, previously working at multiple advertising and branding firms in New York/New Jersey spearheading projects across diverse industries including hospitality, consumer goods, automotive and healthcare.

Eric Gott has seventeen years of financial services experience with the past fifteen years having been spent in various regulatory compliance roles at Wells Fargo, and most recently the OCC. During his thirteen years within Wells Fargo�s Enterprise Risk Management Group, Eric provided regulatory and operational risk guidance to Wells Fargo�s home and consumer finance divisions. Now, after joining the OCC in May 2011, Eric serves in the office of the Chief National Bank Examiner as a Compliance Policy Specialist. Eric currently represents the OCC on several FFIEC interagency working groups including the group that recently drafted and published the proposed social media guidance.� Eric�s role at the OCC also includes providing compliance policy expertise in helping to develop banking policy, examination procedures, and examiner educational materials.

Maria Veltre serves as senior vice president and chief marketing officer for Fifth Third Bancorp, responsible for directing the advertising, marketing and communications activities across the Bancorp�s 18 affiliates in 12 states.� She joined the Bank in this role in April 2013.Previously, Veltre served as managing director and chief marketing officer for Small Business at Citibank. Over her 27-year history in financial services, she has held marketing leadership positions at Citibank, JPMorgan Chase and GE Capital in a variety of businesses, including credit cards and retail banking. �Her background includes extensive digital experience managing Citibank.com and leading marketing for Chase.com.She received a BSE in finance from The Wharton School of the University of Pennsylvania and a MBA with a focus on marketing from the Leonard N. Stern School of Business at New York University.Veltre serves as an Angel for students in the Futures in Education program.�