Banco Popular de Puerto Rico

Jared Hecht is CEO and co-founder and of Fundera, an online marketplace that connects small business owners with the best funding provider for their business. He started Fundera after his cousin experienced the frustration and lack of transparency of applying for a small business loan. Previously, Jared co-founded GroupMe, a group messaging service that was acquired by Skype in August 2011, which was subsequently acquired by Microsoft in October 2011.� Prior to GroupMe, he led Business Development at Tumblr where he focused on international expansion and strategic partnerships.In his free time Jared serves as a mentor to TechStars, as well as an investor and advisor to various NYC startups such as CheckThis, Bondsy and more. Jared is a national chess champion who enjoys all racquet sports and anything involving the outdoors. He received his BA in Political Science from Columbia University where he served as the publisher and managing director of Inside New York. Originally a native of San Francisco, Jared now resides in Brooklyn with his wife.

Carmen has over twenty years of real estate and mortgage finance experience, in such areas as Regulatory Compliance, Mortgage Servicing, Investor Reporting, Mortgage Operations, Default Management, Loss Mitigation, Foreclosure and Credit Policy, as well as eMortgage origination, closing, investor delivery and servicing, eRecording and eNotarization. In July of 2014, Carmen joined Navy Federal Credit Union as a Senior Public Policy Analyst & Compliance Officer. In this position, he navigates through a myriad of regulations and laws including those under the purview of the National Credit Union Administration (NCUA) and Consumer Financial Protection Bureau (CFPB), such as National Flood Insurance Act, Regulation X (Real Estate Settlement Procedures Act), Regulation Z (Truth In Lending Act), Regulation B (Equal Credit Opportunity Act), and focuses on such compliance functions as mortgage and equity servicing, default management and loss mitigation, and appraisal rules and guidelines. Carmen also supports Navy Federal�s mortgage lending function as it relates to the rules and guidelines from the Veterans Benefits Administration, the Federal Housing Administration, and the Federal Housing Finance Agency (Fannie Mae, Freddie Mac and the Federal Home Loan Banks). Lastly, Carmen provides ESIGN consulting expertise across the enterprise in new membership, credit card, and consumer loan lending. In 2004, Carmen founded CDB Consultancy LLC., which specialized in advisory services to clients and implementation of projects in the eMortgage space, including eDisclosures, eClosing, eRecording and eNotarization. Clients included mortgage lenders, title companies and county recorders. Previously Carmen worked at Fannie Mae spending his last 5 years as a Director of eMortgages. He was successful in rolling out to mortgage servicers a solution that records lien releases electronically with county recorders using the latest in eSignature, eXtensible Markup Language (XML), and ePayment technologies. Carmen was also a major contributor to the Fannie Mae�s development of eClosing technology solutions and eMortgage investor delivery requirements. Carmen has his Master�s Degree in Public Policy Analysis from New York University�s Robert F. Wagner School of Public Service. He also worked six years in the United States Senate as a legislative assistant developing public policy and legislation in the areas of housing and community development, banking, healthcare (including Medicare and Medicaid), and Social Security. Early in his career, Carmen was the Assistant Town and City Clerk in Hartford, Connecticut, responsible for the recording and maintenance of real estate documents in the municipality�s Land Records Division. Carmen was one of the founding members of the Property Records Industry Association�s (PRIA) predecessor � the Property Records Industry Joint Task Force (PRIJTF). He was Co-Chair of the Task Force and PRIA�s Technology Committee, where he led the successful effort that created the alliance with the Mortgage Bankers Association�s MISMO standards-setting body and the real estate industry�s first XML eRecording standard. He led the effort to define the business requirements for eRecording electronic real estate instruments under a joint effort of MISMO and PRIA. Carmen was active in the MBA Residential Technology Steering Committee�s eMortgage Adoption Task Force. He also actively participated in a number of State Task Forces that dealt with the implementation of eMortgages, eRecording and eNotarization and was an Official Observer to the National Conference of Commissioners of Uniform State Laws (NCCUSL) Uniform Real Property Electronic Recording Act (URPERA) Drafting Committee and the Uniform Law on Notarial Acts (ULONA) Drafting Committee. He also co-authored the PRIA URPERA Enactment and eRecording Standards Maintenance Guide and has worked with NCCUSL�s permanent staff to enact the URPERA across the country. In 2009 Mortgage Banking Magazine named Carmen an �eMortgage All-Star.�

Mark Denney joined The UPS Store, Inc., in December 2011 as vice president of product development. Prior to joining The UPS Store, Denney was the Director of Sales for UPS Southern California for middle market accounts. In his current position, Denney oversees product development for The UPS Store network.

Lloyd M. Wirshba is Chief Commercial Officer for Convergys Corporation, responsible for driving enhanced value for client partners and continued business growth. Convergys’ 125,000 employees in more than 150 locations around the globe provide integrated end-to-end customer care, omnichannel technology, advanced analytics, collections and technical support solutions for most of the world’s most well-known brands in the financial services, telecommunications, cable, technology, healthcare, retail/ecommerce, automotive and travel & hospitality industries. Previously, Lloyd was CEO at Barclays’ US card business, where he led the development and rapid growth of Barclaycard’s customized, co-branded card programs. Lloyd also held many roles at American Express on the card issuing and merchant acquiring sides of the business. While at American Express, he led American Express’ business in the restaurant and entertainment industries and served on the board of OpenTable as well as the National Restaurant Association’s Educational Foundation. Lloyd also held the role of SVP Member Services at AOL, responsible for leading the organization providing acquisition, retention, billing and technical support services for the then millions of AOL members. More recently, he also served as a senior advisor in Deloitte’s payments consulting practice.���

Darryl is a Managing Director and leads Novantas� Solutions business unit. He is an experienced technology executive and consultant, with more than 20 years of executive leadership. Darryl�s career has been focused on improving the sales, service and cost productivity of the financial service industry. He pioneered numerous data and technology solutions geared toward increasing bank performance. �

Andrew Hovet is the Senior Vice President, Director of Delivery Channels for IBERIABANK in New Orleans, LA.� Andrew is responsible for the bank’s digital and direct sales and servicing capabilities including strategy, platforms, and contact center operations supporting consumer and small business clients.�� Prior to joining IBERIABANK five years ago, Andrew worked at Capital One and Accenture.�� He is a graduate of Cornell University.

Earl is an expert in information security and cybersecurity strategy and policy. He joined Promontory from the White House National Security Staff, where he advised the president on cybersecurity. He is also a highly regarded academic, with a Ph.D. from George Washington University in large-scale computer network defense, and serving as an adjunct professor at Carnegie Mellon University for the past 12 years. At Promontory, Earl specializes in helping clients develop strategic solutions to growing cybersecurity challenges.Earl was director for federal cybersecurity policy on the president�s National Security Staff from 2011 to 2013.From 2005 to 2011, Earl was the Department of Homeland Security�s director of cybersecurity strategy and its chief information security architect.Prior to DHS, Earl was a senior security consultant at Foundstone Inc., a division of McAfee.

Todd Barnhart is executive vice president and head of Branch Banking. He is responsible for leading PNC�s network of nearly 3,000 retail bank branches in delivering an outstanding sales and service experience for its seven million consumer and small business customers. In addition, he has responsibility for PNC�s Community Development Banking and Retail Operating Risk programs.Barnhart joined PNC in September 2004 in Business Banking product management. Throughout his career with PNC, Barnhart has held a number of leadership positions across Deposit Products, Business Banking, Corporate Banking and Treasury Management. Prior to joining PNC, Barnhart served as senior vice president for sales and marketing in First Data Corporation�s electronic payments group. He also spent several years at Accenture, where he focused on the use of technology to improve service and product delivery.Barnhart holds degrees in both Finance and Philosophy from Grove City College and a MBA from the University of Pittsburgh. He also graduated with honors from the CBA Graduate School for Retail Bank Management at the University of Virginia.

Sharon has 23 years of State Government experience and 10 years of private sector experience. She has held positions such as Deputy State CIO for Enterprise Operations, Enterprise Project Management Office Director, and Deputy Commissioner/CIO of Administration for Department of Labor. Under her leadership many new technology programs have been implemented for the State such as electronic signatures, electronic procurement, and enterprise project/program management portfolio management.Sharon has spoken at Digital Government Summit, CIO Forum, eCommerce Conference and many other government conferences.