Banco Popular de Puerto Rico

Keir Breitenfeld is a Vice President of Product Management and Marketing, Fraud and Identity Solutions as part of Experian�s Decision Analytics business unit. His responsibilities include stewardship of Experian�s comprehensive suite of consumer and commercial authentication and fraud management products and services.�Keir has been with Experian for 9 years, and brings with him a diverse set of experiences including fraud operations management, risk management consulting, project management, and marketing.� His background prior to joining Experian in 2005 includes serving as a director of product management with both HNC Software and Fair Isaac Corporation, and leading fraud detection and prevention units at Fleet/Advanta Credit Card Services and Capital One Financial Corporation.��Prior to entering the financial services arena, Keir served in the U.S. Navy as a surface warfare officer aboard the guided missile frigate, USS Estocin (FFG-15).� He holds an MBA Degree from Duke University�s Fuqua School of Business, and a BS Degree in Criminology from Auburn University.

Anita is president of A.G. Newcomb & Co., a strategic consulting firm she founded in 1999, and a member of the Board of the Federal Reserve Bank of Richmond�Baltimore Branch. Anita�s experience spans over two decades in the financial services industry as a commercial banker, investment banker, and strategic consultant. Anita has built a national reputation with her expertise and knowledge of community banking. She speaks extensively on the community bank business model and trends, is often quoted in the media and has appeared on C-SPAN and Washington Business Radio. Anita advises financial institutions on a wide range of corporate development activities from strategic planning, consumer and business banking strategies and organizational assessments, to financial forecasts, mutual conversions, branch transactions, and valuing and structuring acquisitions. Anita was formerly president, CEO and board member of ACB Business Partners, the for-profit subsidiary of America�s Community Bankers, a large national banking trade association. She spent twelve years in investment banking and strategic consulting with three national firms. Early in her career, Anita was vice president of strategic planning and senior mergers and acquisitions specialist, Security Pacific Corporation, Los Angeles, at that time the fourth-largest bank in the country, and investor relations officer and corporate secretary with Cullen / Frost Bankers, Inc. Anita is a member of the faculty of the Barret Graduate School of Banking, Memphis, TN, teaching Strategic Planning and Bank Performance Management.She received an M.B.A. in finance with distinction from the University of Houston and a B.S. in accounting with honor from Auburn University, Auburn AL. She is also a certified public accountant (inactive) and is a member of the American Institute of Certified Public Accountants.

Mark A. Calabria, Ph.D. is Director of Financial Regulation Studies at the Cato Institute. Before joining Cato in 2009, he spent seven years as a member of the senior professional staff of the U.S. Senate Committee on Banking, Housing and Urban Affairs. In that position, he handled issues related to housing, mortgage finance, economics, banking and insurance for Senator Richard Shelby (R-AL). During his service on Capitol Hill, Calabria drafted significant portions of the Housing and Economic Recovery Act of 2008, which established a new regulatory regime for the government sponsored enterprises.Prior to his service on Capitol Hill, Calabria served as Deputy Assistant Secretary for Regulatory Affairs at the U.S. Department of Housing and Urban Development, and also held a variety of positions at Harvard University's Joint Center for Housing Studies, the National Association of Home Builders and the National Association of Realtors. Calabria has also been a Research Associate with the U.S. Census Bureau's Center for Economic Studies. He is a frequent contributor to the op-ed pages of the New York Post, National Review and Investors Business Daily, and makes frequent appearances on CNBC, Bloomberg, Fox Business, BBC, and BNN. He holds a doctorate in economics from George Mason University.

Patrick J. Hatfield is a partner in the Corporate Department in Locke Lord's Austin office and co-chairs the Firm�s Technology Transactions Group. Throughout his legal career, Mr. Hatfield has focused on financial services, intellectual property and technology, gaining valuable experience as in-house counsel, including 10 years as senior counsel and vice president to a leading provider of IT and outsourcing services to the global financial services industry now part of Computer Sciences Corporation.He co-authored the 6-Point Framework for assessing risk in electronic signature and e-contracting processes. He has helped many clients design and implement effective electronic signature and electronic delivery processes in compliance with ESIGN, UETA and admissibility standards under various rules of evidence.

Alan Safahi is the Founder and CEO of �ZipZap, Inc. a P2P mobile money transfer platform. Alan is a serial entrepreneur with nearly 30 years of hands-on experience in the informationtechnology, telecommunications, and financial services industries. �He serves on the Board of Bold Financial Technologies and advises several payments related startups including Ripple Labs.Alan earned a Bachelor of Science degree in engineering from California State University, Fullerton and his M.B.A. from University of Southern California (USC).