Banco Popular de Puerto Rico

Michael brings over 25 years of experience in technology sales and marketing, including 15 years within large technology organizations such as IBM and Oracle. Most recently, he served eight years with Google building the company�s enterprise arm into a $1B business with products now considered industry-standard like Gmail and Google Drive.

Kevin Hatton began his IRS career in 1991 and worked in the Collection, Stakeholder Partnership, Education and Communication, and the Electronic Tax Administration Offices within the IRS. Kevin has spent the majority of his career marketing, educating and implementing electronic initiative and their policies. Kevin is currently the Director of the E-file Provider Program Management group in the Return Preparer Office. As Director, Kevin�s oversees the review of e-signature proposals and initiatives, Authorized IRS e-file Provider�s participation policy, and e-file Provider�s Security, Privacy and Business Standards.

Rob Aulebach is Bank of America�s ATM Channel & Retail Distribution Executive responsible for the strategy, management and ongoing development of a comprehensive and integrated network of banking centers, home loan offices and ATMs ensuring convenient access for our 50 million consumer banking and small business customers.� Aulebach oversees the retail network consisting of more than 5,000 banking centers, 300 Home Loan offices and approximately 16,300 ATMs.Aulebach has nearly 30 years experience across multiple disciplines in financial services holding key leadership positions in commercial and consumer customer segments, deposits technology and operations.�� During his tenure, he has led several retail banking store initiatives such as the successful transition of Fleet Bank�s 1,500 banking centers and 3,500 ATMs to the Bank of America brand in 2004. Prior to his current role, Rob was the Retail Distribution Planning and Execution Executive overseeing the execution of the banking center and ATM distribution strategy coast to coast.�Throughout his career, he has been recognized by the company�s most senior leaders for his ability to lead and drive results. In 2001, he was awarded the National Customer Experience Leadership Award, one of the company�s most prestigious awards. He received his Six Sigma Green Belt Certification in 2003. Aulebach began his financial services career as a consumer banker for Bank of New York.Aulebach has a degree in economics from the University of Virginia, is an Honorary Commander with the U.S. Air Force, and currently serves on the advisory board of NCR for Global Self-service device development. He lives in Charlotte, N.C. with his wife and two sons.

David Godsman is Bank of America�s Digital Banking Solutions & Operations Executive. Godsman works closely with the Retail, Preferred and Small Business teams to accelerate the development and delivery of future online and mobile capabilities to meet customers� needs, while ensuring the delivery of an engaging, intuitive and secure online experience that customers expect. Godsman is also focused on the holistic customer experience of these capabilities to further support Bank of America�s customer-driven strategy. Bank of America leads the industry in online banking capabilities with 29� million active users� and mobile banking with thirteen million active users.Prior to joining Bank of America in August 2011, Godsman was Vice President of Digital at Starwood Hotels & Resorts Worldwide, Inc. He was responsible for the execution of Starwood�s global digital strategy for nine global brands and the Starwood Preferred Guest loyalty program. In this capacity, Godsman oversaw all global digital marketing & merchandising� strategy development, ecommerce platforms & capabilities, mobile application & platform development, global social media strategy, product development and global content management. In addition, Godsman was responsible for establishing Starwood�s digital partnerships focused on identifying best in class media, content and technology partners to drive innovation and higher forms of guest digital experiences.Prior to joining Starwood Hotels in 2006, Godsman was Chief Executive Officer and Founder of Leading Interactive Reservations, LLC, the five-star online travel company and joint venture partner of The Leading Hotels of the World. Under his leadership, the company successfully launched six luxury centric travel sites, a global vacation packaging tour operator business and global net rate distribution business.Prior to joining Leading Interactive, Godsman served Vice President of Business Development for Citigroup�s online and banking division, Citi f/i, as well as Vice President of Marketing for Traveler�s Group. Prior to that, Godsman served as Director of New Business Development for Grey Advertising.�Godsman holds a bachelor�s degree in Business & Economics from Randolph Macon College in Ashland, VA and currently lives in Charlotte, NC with his wife and three children.

Scott Pluta is currently serving as the Assistant Director for the Office of Consumer Response at the Consumer Financial Protection Bureau.�Scott joined the Bureau in the fall of 2010 as an attorney on the U.S. Department of Treasury Implementation Team.� Since then he has been involved in every major facet of Consumer Response�s design, development, and operation.� Notably, Scott was the principal driver within the Bureau, and co-author of the policy that created, the Public Consumer Complaint Database in June 2012.� Scott graduated with honors from the University of Chicago in 2000. After graduation he joined investment bank Lazard Fr�res & Co, working in their New York and Chicago offices as a banking analyst.� Scott graduated from the University of Virginia School of Law in 2005.� After graduation he joined the law firm of Winston & Strawn, working in their Washington, D.C. office as a litigation associate focused on white collar criminal defense.� Prior to joining the Bureau Scott served in the Obama Administration at the Department of Homeland Security in the Office of the General Counsel.

Mr. Deaton is currently Chairman/President and CEO of Central Bank & Trust Co., Lexington, Kentucky, and involved in the following Central Bank Boards:Chairman/President/CEO & Board of Director/Central Bancshares, Inc., Lexington, KY.Chairman and CEO/Board of Director, Central Bank, Nicholasville, KY.Chairman and CEO/Board of Director, Central Bank, Georgetown, KY.Vice-Chairman/CEO, Central Bank of Jefferson County (Louisville, Kentucky)Chairman/CEO/Advisory Board of Director, Central Bank, Winchester, KY.Chairman/CEO/Advisory Board Member, Central Bank of No. Kentucky (Florence, KY.)Chairman/CEO/Advisory Bd. Member, Central Bank of Madison County (Richmond, KY.)Chairman/CEO/Director of Central Bank Insurance AgencyChairman/CEO/Director of Central Investment Center, Inc.Mr. Deaton began employment at Central Bank in 1978 as a Teller and then Assistant Manager. He was promoted to Branch Manager and then Assistant Vice President in the Commercial Loan Department.� He was promoted to Vice President of Equine Lending in 1978 and became Vice President of Equine & Leasing in 1984, then Senior Vice President in the Commercial Lending Department in 1989.�In 1991, Mr. Deaton was promoted to Executive Vice President of the Commercial & Retail Banking Group, and promoted by the Board of Directors� to President and COO in December 1994.� In January 1996, the Board promoted Mr. Deaton to President and CEO, and also named him Chairman in March 2002.Mr. Deaton is involved in numerous civic and community organizations throughout Kentucky.� He is a graduate of LouisianaStateUniversity, Graduate School of Banking of the South and also graduated from the NationalCommercialLendingSchool at the University of Oklahoma.SPECIAL RECOGNITION��� Appointed December 2011 to serve as Kentucky�s representative on the American Bankers Association�s Government Relations Council Administration Committee.Named Chairman of the Kentucky Chamber of Commerce Board of Directors for 2011-2012.Received 2009 Community Service Award from Urban League of Lexington;Received 2009 Community Leader Award from Downtown Lexington Corporation;

Antonio Olivero is a news reporter at American Banker. He previously wrote for The Wall Street Journal, Newsday and The Journal News. Olivero also served as a reporter, editor and editorial member of the Board of Directors for Syracuse University's fully independent student newspaper, The Daily Orange. His Twitter handle is @antonioolivero.

Mr. Smith has a 42 year involvement in the financial services industry. His roles have included as SVP General Counsel and Corporate Secretary of MasterCard International where he was a member of the Office of the President; as Chief Counsel and Member of the Policy Group of the Office of the Comptroller of the Currency and, as a senior partner in several multinational law firms � most recently Latham & Watkins, LLP - where he headed those firms� financial regulatory practices.Mr. Smith is a recognized expert in the laws and regulations applying to banks and other financial services firms and in payments systems and products. His considerable experience includes: Financial Services, Bank Regulation, Payment Systems and Products, eCommerce and Financial Services Technology. He has been an active participant in most of the major developments in financial services over his professional life and has advised clients on responding to several major ( U.S. and foreign ) economic downturns.He has advised U.S. and offshore financial institutions, non-bank financials, payments systems and product providers, investors in financial firms and the vendors and advisors (accountants, consultants, investment advisors and the like) providing products or services to banks and other financial services firms. His career has included strategic planning, business operations experience and, of course, legal services across a wide range of geographies. For his many contributions to the financial services industry, Mr. Smith has long been recognized as a thought leader by the leading ratings services and his peers.In addition to Smith Regulatory Strategies, LLC, Mr. Smith is a Managing Director of Global Economics Group, LLC and its affiliate, Market Platform Dynamics, as well as a Principal in FinSec Navigator Group, LLC. He is a member of the Boards of Directors of several companies and of a charitable foundation.