Banco Popular de Puerto Rico

Andrea Gellert is the Senior Vice President of Marketing at OnDeck, where she brings more than 15 years of small business marketing and client service experience. Most recently, she was Vice President of Client Services and Operations at Group Commerce, a market-leading e-commerce platform for publishers. Previously, Andrea spent 15 years at American Express, holding leadership positions in both the OPEN small business and Merchant Services divisions. Andrea graduated magna cum laude from Harvard College and received an MBA from the Kellogg Graduate School of Management at Northwestern University.

Eric Rodriguez is vice president of the Office of Research, Advocacy, and Legislation (ORAL) at the National Council of La Raza (NCLR).� Headquartered in Washington, DC, NCLR is the largest national Hispanic civil rights and advocacy organization in the United States.� Through its network of nearly 300 affiliated community-based organizations, NCLR reaches millions of Hispanics each year in 41 states, Puerto Rico, and the District of Columbia.As vice president of ORAL, Mr. Rodriguez leads a team that oversees the institution�s legislative affairs, communications, and public policy research, analysis, and civic engagement work.� Mr. Rodriguez also manages NCLR�s issue-based public policy shop, comprising five departments, including a growing civic engagement and field campaign division.� Currently, NCLR�s issue-based public policy projects cover such issues as health, labor, civil rights, criminal justice, immigration, education, and economic policy.�Mr. Rodriguez is experienced in overseeing NCLR�s research, policy analysis, and advocacy activities on a wide range of economic and labor policy issues.� From 2007 to 2008, he served as deputy vice president of the Public Policy Department and previously directed NCLR�s Policy Analysis Center, a position he held for five years.� His background also includes work on such issues as tax policy, Social Security reform, welfare reform, workforce development, pension benefits, retirement security, and transportation policy, as well as credit, debt, housing, and financial market regulations.� He has authored, coauthored, and supervised the preparation of several dozen policy and research reports, journal articles, and editorials.� He has also frequently testified at congressional hearings and has represented NCLR at research conferences, policy conferences, and symposia.� His work has been widely cited in the press, in policy, and in academic literature.Mr. Rodriguez also serves on the boards of the Center for Financial Services Innovation, the Bipartisan Policy Center's Financial Regulatory Reform Initiative, and he is a member of the National Academy of Social Insurance.� Prior to NCLR, Mr. Rodriguez was a Congressional Hispanic Caucus Institute fellow and served in U.S. Representative Nydia Vel�zquez�s (D�NY) office.� Mr. Rodriguez holds a master�s degree in public administration from American University and a bachelor�s degree in history from Siena College.�

Alison Holt serves as SVP, Head of Now Banking, responsible for management and enhancement of a product suite developed to meet the needs of consumers who use alternative financial services, including traditional account holders.� The suite includes a Visa prepaid reloadable card, check cashing services, money remittance, money orders, and a savings account exclusive to the prepaid card.� The majority of these services are available through our branch and ATM networks, as well as mobile and online.� Providing customers with access to these services where and when they want, all under one �roof�.Alison joined Regions in 2010 as the manager of non-interest revenue associated with consumer deposit products, before transitioning to the head of Now Banking. Prior to joining Regions, Alison was Managing Principal in the Revenue Enhancement consulting division of Fiserv where she spent twelve years consulting with Financial Institutions domestically and internally.Alison received her B.A. from the University of Texas at Arlington, her MBA from the University of Dallas, and completed CBA/BAI Graduate School of Retail Bank Management in 2014.

Edward P. Schreiber is an EVP and Chief Risk Officer of Zions Bancorporation where he has oversight for Enterprise Risk Management, (ERM) which includes credit risk, operational risk, treasury/market risk, credit examination, compliance and regulatory relations.Prior to joining Zions Bancorporation, Mr. Schreiber served for 2 years as a Managing Director of Alvarez & Marsal�s Financial Industry Advisory Services (FIAS) where he established and oversaw the ERM practice. Mr. Schreiber also served as the Chief Risk Officer and Regulatory Liaison for TD Bank, NA and its predecessor banks, for 11 years.� During that time frame, he had responsibilities for ERM, included oversight for compliance, credit risk, operational risk and market risk.� In addition, he had oversight for the bank's Community Reinvestment Act activities, the TD Charitable Foundation, Government Relations, Audit and Credit Risk Review functions.Mr. Schreiber began his banking career with the Office of the Comptroller of the Currency, (OCC).� During his 19 years of service with the OCC, he served in managerial positions as well as analytical and technical positions.� Some of the positions held included, National Bank Examiner, Field Manager, Problem Bank Analyst and Systems Analyst.Mr. Schreiber received a bachelor�s degree in Political Science from the College of Santa Fe, Santa Fe, NM.� �He earned a certificate from the Graduate School of Banking in Colorado (CU).� Mr. Schreiber also serves on the Risk Management Association, (RMA) Enterprise Risk Management Council and the RMA Board of Directors. �Mr. Schreiber has been a speaker on ERM at industry conferences, trade associations and outreach sessions and taught ERM at the former New England Banking School.

Paul C. Combe is the President and CEO of American Student Assistance�, a nonprofit organization with 50+ years� experience helping people make better decisions about financing higher education and repaying student loans. Under Paul�s leadership, ASA has created �SALT��, a web-based education and counseling program aimed at inspiring students� long-term financial success and good credit standing by proactively engaging them to take control of their debt and prevent repayment problems before they begin. Prior to joining ASA, Paul served as president and CEO of both Knight College Resource Group and the Massachusetts Educational Financing Authority. He also served as director of financial aid at Boston College. Paul received his Bachelor of Arts and Master of Education degrees from Framingham State College.

Eldar Shafir is the William Stewart Tod Professor of Psychology and Public Affairs at Princeton University, and co-founder and scientific director at ideas42, a social science R&D lab. His current research focuses on decision-making in contexts of poverty and on the application of behavioral research to policy.He �recently received a Guggenheim Fellowship.� In January 2012, he was appointed by President Barack Obama to the President�s Advisory Council on Financial Capability. He recently edited a book called The Behavioral Foundations of Public Policy (2012). His book, Scarcity: Why Having Too Little Means So Much, co-authored with Sendhil Mullainathan.