Banco Popular de Puerto Rico

Mr. Morris serves as President of BMC Bancshares. BMC Bancshares owns Titan Bank a national bank founded in 1907 and headquartered in Texas. Mr. Morris is a director of and previously served as President of BMC Capital, the leading non-bank originator of commercial real estate debt for the $500,000 to $5 million sector. Based in Dallas, BMC Capital has offices nationwide and is considered the technology and product innovator in its space. Previously, Mr. Morris founded two technology companies in Asia, GlobalTech Solutions and Indonesia Online. Mr. Morris also worked at The Boston Consulting Group�s Chicago and Jakarta offices where he developed and implemented strategic plans for global financial servicing firms. Mr. Morris graduated cum laude from Brown University, received an MBA from the Harvard Business School, and studied at Mansfield College in Oxford University. Mr. Morris additionally serves as the Dallas / Fort Worth area chapter for the Young President�s Organization (YPO).

Yazan Alwaid, with Silanis now for 11 years, has held a number of senior roles, all focused on helping customers identify and prioritize target applications, document technical requirements and map out a strategic enterprise e-signature plan. Through his involvement in dozens of engagements with financial services organizations, Yazan has gained a wealth e-signature best practices and lessons learned. He holds a bachelor of science in computer science from McGill University.

Luis Peralta is the Head of Nix Neighborhood Lending. Nix offers Alternative Financial Services to millions of Southern Californians in 35 locations throughout the Los Angeles area. Committed to helping the communities we proudly serve, Nix provides a number of financial services and products, including small dollar loans, credit building tools, savings products and check cashing. Our goal is to improve our members' long-term financial health by changing money management habits for the better, reducing financial costs and improving overall debt management.� Luis has more than 20 years of financial services expertise with the underbanked and underserved communities, consumer lending and product innovation. Prior to joining NIX, Luis was Head of Retail Banking for Doral Bank in Puerto Rico. He also worked for La Curacao and HSBC both in Latin America and the US. Luis received his B.S. in Industrial Engineering from CETYS and his MBA from IPADE both in Mexico; and executive education certificates from Harvard and Stanford. Luis is currently a board member at FISCA.

Gavin Michael is Head of Digital for Consumer & Community Banking, helping Chase to lead the digital transformation of financial services.Knowing that many consumers go to their digital devices first, Michael is driving a digital strategy to offer customers the most personalized and convenient -- and safest -- digital experience in the industry.Chase’s early investments in digital have paid off, with chase.com and Chase Mobile apps recognized as the best in banking. Now, Michael and his team are taking digital – and the Chase customer experience—to the next level by re-defining digital banking as a natural, personalized, companion experience. �Michael’s team of digital professionals encompasses Customer Experience and Design, Product and Payments, Platform and Delivery, Data Intelligence and Data Analytics, as well as the Technology and Engineering teams supporting the firm’s broad Digital platform.Before joining Chase, Michael ran large, complex, global functions and businesses across financial services and consulting:He was the Chief Technology Innovation Officer at Accenture until 2013, where he drove the innovation agenda, technology strategy, and research and development. He also ran the Accenture Technology Labs, spearheading the innovation agenda for the company. In addition, he led the Accenture Global CIO Council, a group of 200 of Accenture’s top clients, and the technology thought-leadership program.He worked in various senior technology roles at Lloyd’s Bank, including Chief Information Officer. Michael drove branch technology innovations at the center of the bank’s customer experience strategy.�He also held senior roles at National Australia Bank, IBM, 724 Solutions, Lucent Technology and Fujitsu Australia Software Technologies.�Michael earned a Ph. D. in Computer Science from Australian National University and an undergraduate degree from the University of Western Australia.�