Banco Popular de Puerto Rico

Jeffrey Knowles joined Venable's Washington, DC office as an equity partner in 1984. He manages Venable's Government Division and heads the firm's Advertising, Marketing and New Media Practice Group.� Mr. Knowles is widely recognized as one of the nation�s leading attorneys involving issues where advertising, marketing, payments and regulation intersect.His practice brings him into daily contact with law enforcement officials, regulators and policy makers at the national and state level.� He represents banks, payments processors and other financial services companies before the Consumer Financial Protection Bureau, Department of Justice, Federal Trade Commission, state attorneys general, and other federal and state regulatory agencies.� Mr. Knowles represented Four Oaks Bank in connection with the investigation by, and first settlement with, the Department of Justice under Operation Choke Point.Mr. Knowles also represents the Electronic Transactions Association, whose international members include financial institutions, transaction processors, independent sales organizations (ISOs) and equipment suppliers.� He holds a B.A. from Columbia University, and J.D. from New York Law School, where he currently serves as Vice Chairman of the Board of Trustees.

Samuel Porat is a Managing Director of Neuberger Berman and a member of the Marquee Brands Board of Managers. Mr. Porat also serves on the Athyrium Investment Committee and Athyrium Investment Team, a credit strategy focused on the healthcare sector. Prior to joining Neuberger Berman in 2004, Mr. Porat worked in the Lehman Brothers Investment Banking Division in New York where he focused on corporate financings and strategic advisory across several industries. In addition, Mr. Porat was the Director of Strategic Planning at Alfy.com, a media startup from 1999-2001. Mr. Porat holds an M.B.A. with honors from the Wharton School of the University of Pennsylvania and a B.A. with distinction from Yale University.

Matt Russell is a multi-disciplinary consultant focused on disruptive technologies and their intersection with real estate. Currently his focus is on virtual reality and Bitcoin.Previously, Matt sold over $100,000,000 in luxury residential real estate with Brown Harris Stevens at their Manhattan flagship office.He is the President of Matthattan NY, a boutique brokerage that you haven't heard of yet.

Jennifer L. Luciano, Vice President, CRM Implementation Manager at Wintrust Financial Corporation, has over 20 years of banking experience in both Retail and Commercial Banking.� At Wintrust, Jennifer leads the Bank�s CRM implementation, working to integrate CRM technology and key business strategies to enable sales within all of Wintrust�s primary lines of business:� Commercial Banking, Business Banking, Small Business Banking, Retail Banking, Treasury Management and Wealth Management.� For Small Business, Jennifer works to provide solutions focusing on lead generation, CRA penetration and market coverage, new relationship attraction, and behavior reinforcement among the sales force.� Jennifer is a graduate of Robert Morris University in Chicago, IL.� �Jennifer, her husband and her three children live in Chicago�s western suburbs.

John Roberts is the Vice President of Small Business, Canadian Banking at Scotiabank, a leading multinational financial services provider and Canada�s most international bank. Scotiabank provides innovative financial products and services to individuals, small and medium size businesses, corporations and governments across Canada and around the world. In this role, John provides strategic leadership for the Small Business segment by focusing on customer acquisition and retention, revenue growth opportunities and continuous improvement of Small Business processes and policies.John joined Scotiabank in Ottawa, Ontario in 1981 and has held progressively senior Retail and Commercial Branch banking roles in both District and Regional positions, including District Vice President in Ontario Region.John is the proud father of a son and daughter, who are both in the Financial Services Industry and is a strong supporter of the Canadian Cancer Society, Relay for Life.

Mark joined eBureau in the fall of 2004, bringing with him over 20 years of risk management, accounts receivable management, credit and finance expertise. Mark has held several senior executive positions during his career, helping found and develop successful risk management businesses.Prior to eBureau Mark joined RiskWise in 1996, co-founded PeopleWise and helped all of the RiskWise organizations with strategy, business development, strategic alliances, product, sales and marketing. He held senior sales and product roles with RiskWise and LexisNexis from 2000 through May of 2004. During this time, Mark also provided strategic advice and guidance related to mergers and acquisitions.Previously, Mark spent 13 years with Mid-Continent Agencies where he held Vice President roles in operations, product development, sales and marketing for this credit and accounts receivable management services company.

Manish is an executive at American Express where he has held key senior management roles over the past 10 years. Currently Manish is the Executive Vice President and General Manager of OPEN Products and is responsible for the development and marketing of the company's suite of products and features designed for small businesses in the United States. Manish also leads Global Airline Strategy for the company and is a member of the Global Management team, a core group of executive leaders who help lead strategy for the firm.Recently, he held the position of EVP Global Network Services � Americas and led the company�s efforts to develop, sustain and grow the network and franchise business throughout North America, Latin America and the Caribbean, covering 23 markets and 36 partnerships.Previously, Manish led acquisition, underwriting, customer management, and decisions science strategies for the U.S. Consumer Card Business and the Enterprise Growth Division (emerging, online/mobile and prepaid payments business) in his capacity as head of risk and information management.Prior to his arrival at American Express, Manish established a strategic foundation during his ten years as a management consultant in the financial services and media/entertainment industries which led to his appointment as Partner for the Mitchell Madison Group and his role as the eastern head of the Media and Entertainment practice at PricewaterhouseCooper.Manish brings a unique combination of strategic problem solving, deep knowledge of the payment and emerging payment industry, risk management skills and a proven ability to drive revenue growth with innovative approaches. He has a truly global perspective, and his experience with multiple industries has helped him develop the ability to solve complex problems and lead large teams to deliver results.Manish obtained his MBA in Finance from the University of Rochester in New York and has a Bachelors degree in Chemical Engineering from the Indian Institute of Technology. He lives in New Jersey with his wife Archana and children Jai and Aanya.

Jeff Langer is a nationally recognized consumer financial services, bank regulatory and privacy attorney with substantial in-house and management experience who recently joined the Consumer Financial Protection Bureau in Washington, DC as Assistant Director, Installment Lending and Collections Markets.� Before joining the Bureau, Jeff served as Senior Counsel at Macy's, Inc., where he advised the credit card business. �He also was a partner at Jones Day and Dreher Langer & Tomkies.As Assistant Director, reporting to the Associate Director of the Office of Research, Markets and Regulations, Jeff leads the team that is the principal source of CFPB subject matter expertise for a range of installment lending markets, including student lending and auto lending, and debt collection markets. Jeff has extensive experience in FDCPA/Debt Collection, ECOA/Fair Lending, Truth in Lending, FCRA, UDAAP, TCPA, Electronic Fund Transfer, Prepaid Card, Debt Cancellation, Financial Privacy and Data Security, Telemarketing and E-Marketing, Anti-Money Laundering, Holding Company and other consumer financial services and banking law matters.He is a Past Chair of the American Bar Association Consumer Financial Services Committee (Business Law Section). �In addition, he is Treasurer and a Founding Fellow of the American College of Consumer Financial Services Lawyers, and also is a member of the Governing Committee of the Conference on Consumer Finance Law.Jeff received his J.D. from Northwestern University School of Law, where he was Notes and Comments Editor of the Northwestern Journal of International Law and Business, and a B.A. with highest distinction in History, Phi Beta Kappa, from the University of Illinois at Urbana-Champaign.

Mike Konczal is a fellow with the�Roosevelt Institute, where he works on financial reform, unemployment, inequality, and a�progressive vision of the economy. His blog, Rortybomb, was named one of�the 25 Best Financial Blogs by Time Magazine. His writing has appeared in the�Boston Review, The�American Prospect, the�Washington Monthly,�The Nation, Slate, and�Dissent, and he's appeared on�PBS�NewsHour, MSNBC's�Rachel Maddow Show, CNN, Marketplace, and more.Follow Mike on Twitter�@rortybomb.

Juan Zarate is a Senior Adviser at the Center for Strategic and International Studies (CSIS), the Senior National Security Analyst for CBS News, a Visiting Lecturer of Law at the Harvard Law School, and the Chairman and Co-Founder of the Financial Integrity Network.Mr. Zarate served as the Deputy Assistant to the President and Deputy National Security Advisor for Combating Terrorism from 2005 to 2009, and was responsible for developing and implementing the U.S. Government�s counterterrorism strategy and policies related to transnational security threats. Mr. Zarate was the first ever Assistant Secretary of the Treasury for Terrorist Financing and Financial Crimes where he led domestic and international efforts to attack terrorist financing, the innovative use of Treasury�s national security-related powers, and the global hunt for Saddam Hussein�s assets. Mr. Zarate is a former federal prosecutor who served on terrorism prosecution teams prior to 9/11, including the investigation of the USS Cole attack.Mr. Zarate sits on several boards, including for the Director of the National Counterterrorism Center (NCTC), HSBC�s Financial Services Vulnerabilities Committee, the Coinbase Board of Advisors, and the Vatican�s Financial Information Authority (AIF).He is the author of Treasury�s War: The Unleashing of a New Era of Financial Warfare (2013), Forging Democracy (1994), and a variety of articles in The New York Times, Washington Post, Wall St. Journal, LA Times, the Washington Quarterly and other publications.Zarate has his own weekly national security program on CBSNews.com called �Flash Points.� He is a graduate of both Harvard College and Harvard Law School and a former Rotary International Fellow (Universidad de Salamanca, Spain).�