Banco Popular de Puerto Rico

An accomplished industry analyst, market researcher, and financial industry practitioner, Al Pascual is Javelin’s senior vice president of research and head of fraud and security. As SVP of Research, he oversees the firm’s operations and ensures that Javelin’s research content provides the innovative perspectives that clients expect from the firm.

As head of fraud and security, Al provides clients actionable insights on a variety of fraud and security issues, acts as a partner in developing strategies for managing risk, and identifies and raises awareness of future threats and solutions. Al researches a range of topics, including the applicability of biometrics in banking and payments, the effect of data breaches on the integrity of consumer identities, the relationship between identity fraud and loyalty, and the best methods for securing data and transactions.

James Hobson is the Chief Operating Officer at OnDeck, where he manages the day-to-day operations of the business and provides leadership to OnDeck’s operations, analytics, credit, risk management, platform solutions, and business development teams.� His career spans a wide array of leadership experience in building and leading technology-enabled businesses.�Most recently, James served as SVP, Technology Operations for iQor, Inc., a leading private equity-backed global business process outsourcing company. At iQor he helped build a platform for commercializing iQor’s proprietary suite of business applications and managed a global technology team.�Prior to iQor, James co-founded BuyYourFriendADrink.com, which was sold to LivingSocial in 2009. �Earlier in his career, he was a consultant at McKinsey & Company and worked in the M&A group at AT&T.�James holds a BA in economics from Hamilton College and an MBA with high distinction from Harvard Business School, where he was chosen as a Baker Scholar. He lives in NJ with his wife and two children.

Daniel Cope is a Principal in Oliver Wyman�s Finance & Risk Practice with expertise focusing on risk modeling, risk management, and risk-driven strategy.� His focus is on commercial banking credit risk, with experience spanning both corporate and retail risk exposures, and ensuring integration of risk management with front-line business strategies, including evaluating and designing new products to limit risk exposure.� In other recent work, he has helped clients organize around and execute on post-crisis regulatory requirements for improved risk management.Daniel graduated magna cum laude from the University of Pennsylvania receiving a Bachelor of Economics with concentrations in Finance and Operations & Information Management from the Wharton School, and a Bachelor of Arts in Hispanic Studies from the School of Arts and Sciences.

Justin M. Morcelle is Senior Vice President and Director, Deposit Product Management for First Niagara Bank’s Retail Banking Group.� In this role, he is responsible for leading the development, management and overall strategic vision for Consumer and Business Deposit Products across First Niagara’s footprint.Prior to assuming oversight of the deposit product management team, Justin held the position of Retail CFO where he provided strategic and financial guidance to Retail Leadership. Justin joined First Niagara in September 2011 as Head of Profitability within the Finance Group. �Prior to joining First Niagara, Justin led a Finance Transformation initiative at HSBC Bank USA focused on improving management information and decision support.� Justin began his career at PricewaterhouseCoopers as a Certified Public Accountant serving in the Audit and Advisory practice.Justin earned his Bachelor of Science in Accounting at Case Western Reserve University and currently resides with his wife in Clarence, New York.��

Scott M. Shean is a commissioned National Bank Examiner (NBE) for the Office of the Comptroller of the Currency (OCC).� Scott joined the OCC in 1987 as an Assistant National Bank Examiner in the Los Angeles Field Office, and transferred to the Miami Field Office in 2004.�Throughout his OCC career, Scott�s examination duties have varied widely.� He now most often serves as the Examiner-in-Charge (EIC), or leads up the review of asset quality, at examinations in community banks in South Florida.� He regularly assists on credit-related assignments in mid-size and large banks, including the review of Shared National Credits in New York City.� He has served part-time roles on the OCC�s resident commercial credit teams at Bank of America, Wells Fargo, Union Bank of California, and mid-size banks in California.�Scott graduated from Washington State University in 1985 with a Bachelor of Arts degree in Business Administration with a specialty in Finance.

Peyton R. Patterson is President and CEO of the�bank holding company, Bankwell Financial Group, and CEO of its subsidiary bank, Bankwell. Ms. Patterson brings more�than 25 years of experience to her role, and has been widely�recognized as an exceptional regional banker. Most recently, she was Chairman�and Chief Executive Officer of NewAlliance Bancshares, Inc., headquartered in New Haven, Connecticut. Over her ten years with the bank, she�executed the largest banking IPO in U.S. history � raising over $1.4�billion.��Following, Ms. Patterson successfully completed six acquisitions, growing NewAlliance to be the third largest�bank headquartered in New England, with more than $9 billion in assets.Prior to NewAlliance, Ms. Patterson was the Executive Vice President of Consumer�Financial Services for Dime Bancorp, headquartered in New York. Previously, she spent eight years with Chemical Bank and Chase Manhattan as Senior Vice�President running their National Consumer Lending businesses. She began her banking career with Corestates Financial Corp. in Philadelphia where, over an eight-year period,�she held a variety of retail banking positions. Ms. Patterson received an A.B. Degree in Political Science from Kenyon College and an MBA in Marketing from�George Washington University.Ms. Patterson was named one of ten banking �CEO�s to Watch� in 2013�by American Banker.��In 2008, American Banker also named her Community Banker of the Year. U.S. Banker named her one of the top�ten Chief Executive Officers in banking nationwide in 2006. And in 2004 and�2005, U.S. Banker ranked Ms. Patterson 2nd on their list of the 25 Most Powerful�Women in Banking

As Chief Risk Officer, Josh is responsible for overseeing all aspects of risk management for Prosper, including the company�s proprietary credit-rating model and the evolution of Prosper�s collection activities.Before joining Prosper, Josh was Senior Director at Barclaycard US, responsible for the Open Market business, the largest portfolio segment with1.2 million customers and assets of over $2.5 billion. In this role, he oversaw strategy, analytics, and growth initiatives for the Barclaycard branded credit card portfolio. While at Barclaycard, Josh was also the Head of Acquisitions and Portfolio Risk, where he was responsible for setting analytical credit risk strategies for Acquisitions and Portfolio Risk Management, as well as Head of Collections Strategy. Prior to Barclaycard, Josh held various credit risk roles at BankOne, now Chase Card Services.Josh earned a MBA from the University of North Carolina at Chapel Hill and a B.A. in Economics from Hobart College.