Banco Popular de Puerto Rico

Stephen Bisbee is a 2014 board member for the Electronic Signature and Records Association (ESRA) and president and CEO of eOriginal, a provider of vaulted repository and electronic transaction management solutions. Bisbee is the co-inventor of the eOriginal process, envisioning a unique solution for tying electronic and legal processes to security technologies to reduce the inefficiencies of paper-based transactions.Bisbee has more than 18 years of experience as a corporate attorney specializing in commercial transactions, financing and development. For several years he held a leadership role among the American Bar Association committees establishing legal standards for electronic commerce. Prior to his corporate attorney activities, Bisbee was vice president of a New York-based restoration company.Bisbee is also currently president of J.J. Burns & Co. Inc., a privately held investment company, and serves on the advisory council of Waverly Management LLC, a firm specializing in private foundation asset and operation management.He earned a Bachelor of Arts degree from Xavier University and graduated from the Boston College School of Law, where he became a founding member of the school�s business advisory council.

Appointed to the role of Executive Vice President/Head of Consumer Lending for Union Bank in 2009, Jim Francis oversees consumer�lending for Retail Banking, with responsibility for the bank�s�consumer and residential loan portfolio. Jim has more than 27 years of banking experience and a comprehensive knowledge of debt and equity transactions, tax credit investments, underwriting, residential mortgage, and commercial and consumer lending. He has served as a board member of the California Community Reinvestment Corporation and as a president and board member of the Affordable Housing Investors Council, an organization comprised of the nation�s largest Low Income Housing Tax Credit investors. He also serves on the board of Union Bank Foundation. Jim received his B.A. in economics from the University of California at Davis.

Rafael G�mez is the President & CEO of Crediauto Financial, a leading and rapidly growing automobile financial company headquartered in San Diego, California.Mr. G�mez previously acted as Chief Executive Officer of Crediamigo/Finmart, a leading Mexican consumer lending institution and has served on the boards of Crediamigo/Finmart, Adex, Grupo Dabvsa, Gerocare/Meridia, Finafilms, Shakram and Winmart/Zaaga. He is a former Partner at the law firm Baker & McKenzie where he was the head of the banking and finance practice and a former attorney with the law firms Latham & Watkins in San Francisco, California and Kuri Bre�a, S�nchez Ugarte y Aznar in Mexico City, where he specialized in banking & finance, capital markets and mergers and acquisitions.Mr. G�mez received law degrees from the Universidad Iberoamericana in Mexico City and the University of California, Berkeley, Boalt Hall School of Law, has performed post-graduate studies in Business Administration at the Universidad Iberoamericana in Mexico City and is admitted to practice law in Mexico and the State of California.�

To meet Alan Siegel is to be struck by a man of tremendous zest�zest for information, zest for challenges and zest for opportunities to contribute to a society he sees as beset by complexity and hungry for clarity. From his passion for clear writing to his love of fine photography, from his contributions to New York City culture to his entrepreneur�s instinct for building businesses, Alan exudes a passion to make things better. He is one of the most sought-after advisers to any company, nonprofit or government seeking clarity about who they are, what they do and how they can motivate others.It is no wonder that Alan has become one of the best-known figures in branding and a driving force behind the plain-English movement in the U.S. and abroad. Alan helped shape the branding industry by popularizing the concept �brand voice� to describe integrated-communications programs that reflect the unique character of companies, and by championing the Internet as a powerful expression of brand strategy and an essential component of the brand experience. Alan�s belief in the transformative power of simplicity led to his pioneering efforts to bring clarity to business communications, including insurance policies, bank-loan notes and mutual-fund prospectuses. He also initiated the development of plain English for complex legal documents and directed a project for the IRS to simplify individual tax forms.Over five decades, Alan has gained the stature of both pillar of the establishment and provocative iconoclast while building Siegel+Gale, one of the leading global brand consultancies. He has advised leading organizations such as Xerox, American Express, the National Basketball Association, Caterpillar, 3M, U.S. Air Force, Dell, The Girl Scouts, Phoenix House, the Legal Aid Society, Carnegie Mellon University and The New School.In 2011, Alan created Siegelvision, a new company focused on solving tough problems for nationally known organizations as well as for quirky little causes. Supported by a small team of handpicked talent, Alan startles and delights organizations by untangling their wayward sense of self and creating a robust brand identity.Alan has written extensively on branding and the importance of simplicity as a competitive advantage for The New York Times, Across the Board and The National Law Journal and has appeared nationally on �Today,� �PBS NewsHour,� CBS and ABC News, CNN and the TED Conference. He is the author of a series of personal guides for The Wall Street Journal, including the best seller The Wall Street Journal Guide to Money and Markets (Lightbulb Press) as well as Writing Contracts in Plain English (West Publishing) and Simplified Consumer Credit Forms (Warren Gorham & Lamont). Alan�s latest book, Simple: Conquering the Crisis of Complexity, co-written with longtime colleague Irene Etzkorn, was released in April 2013 to critical acclaim and named a �Best Business Book of 2013� by Booz & Company. It has since been published in several international editions, including UK, China, South Korea, Hungary and Brazil.A graduate of Cornell University�s School of Industrial and Labor Relations, Alan also attended New York University Law School, the School of Visual Arts and Alexei Brodovich�s Design Laboratory.

David serves as the director, business banking at Digital Insight, an NCR company.� He has 25 years of financial services industry experience. David has served as a product strategist at JPMorgan Chase, Bank Boston and Wachovia, a well-connected industry analyst and advisor with Cornerstone Advisors, IDC Financial Insights and Meridien Research, and as a financial services technology provider with salesforce.com.�David’s financial expertise spans retail, commercial and treasury lines of business, and he brings hands-on experience leading product development of online cash management, payments and other digital commercial banking solutions. He has worked across bank segments, from the community financial institution space to the larger banks.David holds a B.A. in Business and Economics from North Carolina State University and an MBA in Finance and Marketing from Duke University.�

Kimberly Hval has over 25 years in Financial Services spanning Retail and Small Business, Mortgage Sales Management, Insurance and Investments, Channel Marketing, and Strategic Planning and Distribution Planning. Ms. Hval began in 1987 with Security Pacific Bank as a business relationship manager, focusing on health care niche, in Los Angeles.�She moved to SF Bay area and transitioned into the health care segment for two years as Contracts Manager for U.S. Behavioral Health (formerly a Travelers company, now United Behavioral Health). In 1990, she returned to banking with Bank of America and remained until 2002. She held positions in Insurance Services, Retail and Mortgage Sales Management and Marketing. In 2003, she took a Channel Marketing and Sales Development management position with Wells Fargo, Consumer Credit Group.In 2009, she moved to Rabobank as Director of Retail Banking Division and, in 2013, she took on a new role at Rabobank as Director of Channel Strategy & Support to help refine and execute the multi-channel delivery strategy.She received her Bachelor�s degree at UCLA as well as�Masters Business Admin/Public Health at UCLA.

Jilliene Helman is the Founder and CEO of RealtyMogul.com. Realty Mogul is crowdfunding for real estate, the largest online marketplace for investors to pool money and buy shares of pre-vetted real estate investments.Jilliene is responsible for overseeing the strategic direction and operation of the business.Previously Jilliene was a Vice President at Union Bank, where the majority of her time was spent in Private Wealth Management working with the broker-dealer, registered investment advisor, real estate lenders and wealth planners. Jilliene is a Certified Wealth Strategist, holds Series 7 and Series 63 securities licenses and earned a degree in Business Administration from Georgetown University. She has been featured in countless publications including Forbes, Entrepreneur, NYT and Bloomberg, and is a frequent speaker on the subjects of crowdfunding, real estate finance and entrepreneurship.

Simon has six years of commercial banking experience working as a credit risk professional. He has worked as a credit underwriter, loan workout analyst, and credit risk modeler with a focus on SME, C&I, and CRE lending. Simon previously worked at BNY Mellon and Fifth Third Bank and has an MS in Financial Engineering from Baruch College.