Banco Popular de Puerto Rico

Kip Wetzel is the Vice President of Capital One's Enterprise Social Team. Kip is responsible for the alignment, optimization, and growth of Capital One's ever increasing social media presence.�In this role, Kip leads multiple�change�functions that focus on strategic differentiation of Capital One's product, community, and customer service presence on social platforms. Prior�to Capital One Kip�spent seven years in social media and digital product management roles at Comcast's and seven years with Accenture in the communications and high-tech sectors.Kip is a native of the Pacific Northwest and spent much of his earlier years exploring the West on foot and horseback. He completed his education at Villanova University and lives outside of Philadelphia with wife and three children.

Leads overall marketing strategy for First Tennessee Bank, including retail marketing, business marketing, affluent/wealth marketing, brand management, customer insights, Salesforce.com, and database marketing. Began his career in retail banking at Comerica Bank and has worked in senior marketing roles for companies such as AOL, Quicken Loans and Fathead prior to joining First Tennessee in 2008. Earned a B.A. in marketing, an M.S. in finance and has more than 18 years of marketing experience.�

Julie Menendez serves as the Head of Business Products for Citizens Bank.In this capacity, she is responsible for managing the development, pricing and policies of the core products within the small business segment ($0-$25MM).� She also leads the product continuum into Treasury and Commercial offerings to ensure a consistent and positive client experience.In her previous role at Citizens, Julie was the Director of Sales Strategy & Execution for the Commercial Enterprise Banking (CEB) division where she led a team of colleagues in support of the overall strategy and initiatives that drove the sales process across not only the CEB footprint, but also throughout all commercial businesses and partner initiatives in go-to-market approach, reporting and communications.Prior to joining Citizens, Julie worked at Bank of America where she was the International Operations Executive, responsible for the implementation and servicing of all large corporate and commercial Global Treasury Services products across 21 countries. Julie managed the division�s $460MM operating budget, incentive plans, team goals and led forecasting for capacity, resource and technology needs for over 350 associates. Julie also served as the Global Strategy Manager, Northeast Treasury Sales Manager and as a Senior Sales Officer while at Bank of America. She was recruited by Bank of America when she was a financial consultant for Salomon Smith Barney, earning multiple recognitions and awards for sales and leadership.Julie has a specific focus on sales execution & management, leadership of small & large multidisciplinary global teams, creation of product and business strategies, and expertise in client/customer relations.Julie holds a Bachelor's Degree in Finance from Boston College and an MBA from Boston College.Julie was also previously honored by the Boston Business Journal with their annual �40 under 40� award.

Carter Aldinger is the senior vice president of Servicing, Loss Mitigation and Quality Control for the Centralized Commercial Underwriting and Loan Closing Utility at First Horizon/ First Tennessee Bank. He is a native of Memphis, Tennessee who joined First Horizon about 4.5 years ago. Carter has also held senior positions at Cadence Bank (Special Assets) and Morgan Keegan Inc. (Institutional Fixed Income Sales and NASDQ / OTC Principal Trader. He is a graduate of The Barrett School of Banking and holds a Bachelor of Arts degree from University of Tennessee at Knoxville with a focus on economics.

Diana Helander currently leads product marketing for financial services for Lithium Technologies, and has been in technology marketing for over 15 years. Previously, she drove Adobe's participation in financial services standards organizations with MISMO and the MBA, resulting in published industry guidelines for the use of esigned PDFs to support electronic mortgages. She also led go-to-market strategy and delivery for mobile offerings while at Adobe.�

Marc Franson is a partner in the Banking Department and Practice Group Leader of the Bank Corporate Group. He represents financial institutions, finance companies, retailers, other creditors and brokers on an array of financial services matters including regulatory applications, consumer credit transactions, deposit products, bank mergers and acquisitions, licensing regulatory issues and compliance, sale of non-deposit products, technology contracting, payment processing, portfolio acquisitions/divestitures, fair lending and privacy matters, Internet banking, stored value products and P2P lending. He also represents clients in conjunction with legislative and trade association activities.Marc counsels interstate and intrastate lenders on all aspects of a variety of secured and unsecured consumer lending programs including credit card, mortgage, home equity, automobile and other installment credit. He has served as counsel in several major bank acquisitions and portfolio sale transactions, assisted clients with federal and state regulatory matters, licensing applications and proceedings, in the development of compliance programs, compliance training and preparation for and assistance with regulatory compliance examinations. This includes advice on FCRA, community reinvestment, and fair lending programs.Marc was engaged in a unique credit card transaction involving the joint venture of two major banks and a credit card industry consultant involving the establishment and chartering of a credit card bank, the sale of $2,000,000,000 of credit card receivables, along with a contemporaneous securitization and other financing transactions. He also advises clients' participation in various roles in receivable securitization programs. His representation of clients includes the areas of cash management services, electronic funds transfers, merchant credit card and payment processing, outsourcing, data processing and servicing arrangements.Prior to joining Chapman and Cutler LLP, Marc was Vice President and General Counsel-Credit Card Services of Household International.

Robert Mulhall is a managing director in Accenture Distribution and Marketing Services, responsible for consulting to Accenture�s retail banking and capital markets clients in North America. In his role, he works with leading financial services companies in the US and Canada to help formulate integrated retail banking and wealth management distribution strategies; provides insights on the opportunities and disruption potential of digital transformation; and advises on ways to reform the role and operating models associated with physical distribution channels.Prior to joining Accenture, Robert spent 18 years in the banking industry in Europe. Previously, Robert was head of direct channels for Allied Irish Banks (AIB), with responsibility for the strategic development and management of AIB�s online, mobile, contact center and self-service channels across retail, small business, commercial and corporate banking in the United Kingdom and Ireland.In his role at AIB, Robert was instrumental in leading the transformation of the bank�s direct channel capability. As a result of the initiative, 95 percent of the bank�s transaction-fulfillment is conducted online and through self-service channels and 40 percent of the bank�s retail banking sales are conducted through direct channels. Under Robert�s stewardship, AIB won the EFMA Award for Innovation in Retail Banking Distribution 2013 in recognition of the creation of �The Lab� � the first complete digital banking store experience in Ireland.Robert holds a BSc in Physics, Masters in Finance and is a Chartered Financial Analyst (CFA�). He is a native of Ireland and lives in New York with his wife and three children.

Charyn is the Manager of Corporate Business Intelligence systems for F.N.B. Corporation where she is responsible for the architecture and development of F.N.B.�s corporate profitability, stress testing and analytics platforms.� Throughout her tenure at F.N.B. her experience in data integration and data governance has been leveraged to assist with the implementation of several additional systems, including ALM, ALLL, planning, and consolidation.Charyn is also passionate about her role working with students interested in careers in bank finance and accounting as the leader of F.N.B.�s Finance Internship program and enjoys speaking at local universities about the use technology in accounting and finance.��