Banco Popular de Puerto Rico

Brian Boardman, Consulting Director in the Revenue Enhancement Solutions group has over 30 years of experience working at and consulting for financial institutions of all sizes in the areas of Retail Banking, Commercial Banking, Treasury Management, Credit Card, Merchant Services and Capital Management. As part of the Fiserv Revenue Enhancement Group, Boardman assists senior executives at financial institutions of all sizes with the development, implementation, and realization of significant revenue improvement opportunities. In the three years that he has been at Fiserv, Boardman and his team have provided over $50 million in annualized value of implementable, revenue generating opportunities.� For his career, he has provided over $500 million in revenue generating, cost reduction and capital efficiency opportunities.Prior to Fiserv, Boardman worked as Consulting Services Director at Automated Financial Systems (AFS), in Exton, Pennsylvania, where he managed the business line responsible for various consulting engagements in capital management, cash management, check/image processing, loan operations and float management. He was responsible for a commercial banking consulting practice, which consisted of revenue enhancement and cost reduction projects focused primarily on lending, treasury and cash management and operations. In this role, he managed the budget and products of the business line and provided sales support to the sales staff.In the past, Boardman held positions at Profit Technologies Corporation in Huntersville, North Carolina (primarily revenue enhancement focused), and Bank of New York (formerly Irving Trust Company) in New York, New York (within the Deposit Services Division).He received a Bachelor�s Degree in Business Economics from Miami University of Ohio. Boardman is a frequent speaker at Fiserv Forum as well as various User Group and Industry conferences. He has authored articles and conducted webinars in his areas of expertise.

Frank is a partner in the Litigation Department of Shutts & Bowen's Miami office and a member of the firm�s Insurance Practice Group. He is also chair the firm�s class action practice group. He has a long track record of success in handling complex litigation matters and have served on the Civil Litigation Committee of the Miami-Dade County Bar Association. He is admitted to practice before the Florida Bar, the United States District Court for the Southern, Middle and Northern Districts of Florida and the 11th Circuit Court of Appeals. Frank has participated in over 20 jury trials to verdict, and scores of bench trials. He has also tried the issue of class certification in more than ten (10) cases, and coordinated complex insurance litigation (including class actions) on a state and national level for major automobile insurance carriers. Frank frequently presents on the topics of class action litigation, electronic commerce litigation and insurance litigation, and also provide consultation and representation to insurers regarding claims handling issues, and matters presenting significant potential exposure to insurers.

As Chairman and Chief Executive Officer of Seacoast Banking Corporation of Florida and Chairman of Seacoast National Bank, Dennis S. Hudson, III brings more than 30 years of experience to his position. Since 1983, he has been a member of both organizations� board of directors.Hudson began his career with the bank in 1978; in 1985 he went on to become senior vice president and chief financial officer; promoted in 1990 to executive vice president and chief operating officer, for both the bank and the holding company; in 1992 became president and chief executive officer.�Today, Hudson is chairman and chief executive officer of both the bank and the holding company.Bachelor of Science degree in Finance and Accounting and an MBA from Florida State University.Board member, Chesapeake Utilities Corporation; Visiting Nurses Association of FloridaMartin County YMCA Foundation; Council on Aging; St. Michael�s Independent School; Job Training Center; American Heart Association; Martin County United Way; Historical Society of Martin County; Economic Council of Martin County; HPS, Inc.Stuart/Martin County Chamber�s Business Person of the Year, 2001; Florida State Medallion of Excellence Award presented by Senator Ken Pruitt, 2001; Miami Board of the Federal Reserve Bank 2005-2010�

Toby is a member of Capital One�s Enterprise Digital team, building an integrated customer experience as VP, Enterprise Mobile, Web and Analytics.� Prior to Capital One, he co-founded 'Taxi Magic' - the nation's first iPhone / Android taxi booking and payment application that is directly integrated to taxi dispatch systems.� In 2009, Toby joined the US Dept. of Energy to head up a $12 Billion Recovery Act program aimed at making investments in clean technology across the nation.� Toby was previously a Project Leader at the Boston Consulting Group and received his PhD in International Relations from Oxford University.

Vinoo Vijay is Chief Marketing Officer and Head of Corporate and Public Affairs at TD Bank, America�s Most Convenient Bank�. �In his role, he is responsible for overseeing all marketing initiatives and branding strategies at TD Bank.Vijay came to TD with nearly two decades of marketing experience.� Most recently, he was responsible for Global Brand and Product Marketing at Ally Financial, where he developed the Ally brand and was a key leader in the launch of Ally Bank.Prior to Ally, Vijay spent seven years at Bank of America with several leadership marketing roles and started his career at Federal Express, where he developed its global consumer loyalty program.Vijay holds an MBA from University of Illinois and earned a bachelor�s degree in advertising from Syracuse University.� He and his wife, Chanee, live in Philadelphia, P.A.

Joanna Nifong has been active in the Financial Institutions industry for over 30 years.� She joined BB&T in 2012 as the Senior Small Commercial Loan Administration Manager where she currently manages Small Commercial and Small Business underwriting and portfolio management for the Community Bank.�Prior to BB&T, Nifong was an EVP and Manager of the Business Banking Credit Services Division for Wells Fargo.� This group provided credit support across the 39 state footprint in the areas of financial statement spreading, underwriting services, and portfolio management activities. The team also provided key business functions such as project management support, operational risk support, and risk governance activities.The majority of Nifong�s career was spent with Wachovia Bank.� At the time of the Wells Fargo-Wachovia merger in 2009, Nifong was EVP and Chief Operating Officer for Wachovia�s General Banking Group Risk Management team. In this position, Nifong�s group handled a wide variety of business purpose underwriting and portfolio management activities for multiple lines of business.� Her team was also responsible for incentive compensation planning, cost/capacity analysis, project/process management, risk governance, analytics/reporting, team member engagement and customer loyalty.�Before assuming the role of Chief Operating Officer in 2006, Nifong also served in the following leadership positions: Chief Risk Officer for Small Business Banking, Chief Risk Officer for Consumer Banking, Small Business Banking Division Executive and Senior Loan Administration Manager for various lines of business.Nifong is Co-Chairperson of BB&T Women�s Leadership Council and is a United Way Cabinet member.� She is also a member of the BB&T Multicultural Committee and a long standing member of the RMA, currently serving on the RMA Small Business Banking Committee.� She participates in a variety of community activities with the primary focus on her church and local schools.� Nifong is married and has two children.

Hillary Kelbick is the President and hands-on owner of MKP communications inc., a marketing communications company whose sole focus has been the financial services industry from its founding over 20 years ago.� She spearheads the business’s efforts in marketing and creative strategy, pushing the team to embrace the unexpected, while always remaining focused on meeting her clients’ needs and enhancing their ROI.MKP has earned a reputation as a premier provider of marketing and promotional services. Smart strategic thinking supports the full spectrum of BAU communications, from razor-sharp direct mail to POS merchandising, collateral and sales promotion. Creative solutions go beyond the basics to meet business goals, whether in single initiatives or multi-channel integrated campaigns.In addition, MKP is a leader in merger communications services and has partnered with some of the largest banks in the country to strategize, build and implement flawless communications to millions of customers across all lines of business. MKP has led the charge that compliance communications are a critical marketing opportunity and customer experience moment of truth. As a result, MKP has developed some of the most innovative communications solutions in the marketplace today.Kelbick brings a vibrant and contagious energy to MKP. This is reflected in the company’s work and makes them a stand-out marketing partner. Her deep experience in the business gives her a unique and valuable perspective on financial services marketing.

Jon Barlow is the founder and former CEO of Eaglewood Capital Management, a leading asset management firm that specializes in online and marketplace lending investment strategies.� In 2014 Mr. Barlow led the sale of Eaglewood Capital to an affiliate of Marshall Wace LLP (MW Eaglewood), a London based alternative asset manager.� He served as MW Eaglewood’s global CEO, overseeing its New York and London business units, and as a member of its board of directors until his departure in 2015.� During his tenure at Eaglewood, Mr. Barlow assisted with the successful initial public offering of P2P Global Investments (ticker “P2P”), the world’s first publicly traded peer-to-peer debt investment vehicle, on the London Stock Exchange.�� He also accepted several industry awards on the firm’s behalf, including the “Lendit Innovator of the Year Award” for completing the first ever securitization of peer-to-peer loans.� Mr. Barlow has been regularly quoted in several leading publications, including the Wall Street Journal, the New York Times, and the Financial Times.� �Prior to founding Eaglewood Capital, Mr. Barlow worked for Weiss Multi-Strategy Advisers, a New York-based asset manager, and Lehman Brothers, where he worked as a Portfolio Manager and Vice President within proprietary trading.� He started his career in Equity Research at J.P. Morgan.� Mr. Barlow graduated with a B.S. in Accounting, cum laude, from Brigham Young University and is a CFA charter holder.� He lives with his wife and four children in Westchester County, New York, where he is actively involved in various non-profit organizations.� ��