Banco Popular de Puerto Rico

Oren is a co-founder at Pave and has +12 years of experience in investment management, structured finance and law.Oren began his career as a lawyer at Clifford Chance in London. In 2006, Oren moved into structured finance, joining Goldman Sachs as Vice President of the Structured Principal Investment group. In 2009, alongside his former Goldman colleagues, Oren joined GLG where he was responsible for co-managing an investment fund focused on investing in distressed and special opportunities globally via the Atlas Fund. After 2 years at GLG, Oren set up a family office, Atlas Global, to manage the Atlas Fund where he served as Chief Operating Officer until March 2012 when he left to start Pave.Building on his personal experiences and legal and financial acumen, Oren co-founded Pave with Sal Lahoud on the belief that individuals at the start of their careers should have access to a better type of funding that�s affordable, personal and simple.Oren is also a Trustee of the Fcancer Project (www.fcancer.org), which he co-founded with his business partner and friend Sal Lahoud, an online-based charitable organization that connects volunteers with cancer charities allowing them to donate time instead of money. Oren holds a first class degree in history from the University of Leeds and UCLA, as well as a Law degree from London�s College of Law.

Anusha Gibson,�a member PNC�s Retail Product group, joined the company in 1996. She is currently the Head of Business Banking Deposits within the Retail Bank.Her team�s focus is product strategy, revenue generation and ongoing risk management. Products within scope are Interest Bearing Checking and Savings, Non-Interest Bearing Checking, Specialty Products such as Escrow/Iolta, and Business Bank Treasury Management deposit and online/mobile products (i.e. Online Payroll, Remote Deposit, etc.). In addition, her team manages Cash Flow Insight � a leading edge, payables/receivables, online experience for business owners. All components are delivered to the marketplace through partnerships with Sales, Pricing, Marketing, and Risk Management.Ms. Gibson has a diversified retail banking background encompassing strategic planning, marketing, internal and external communications, project management, financial analysis, creative development, sales execution and front-line management. She provides innovative, enthusiastic and forward-thinking leadership�with a focus on continuous business performance.Ms. Gibson also plays an active role in Diversity & Inclusion Employee Business Group initiatives within PNC. She recently finished her tenure as Chairperson of the Marketing Diversity & Inclusion Council, having served since its inception in November 2010. Ms. Gibson is also a�member of the Ohio State Bar Association, and�she volunteers with Grow Up Great, Cleveland Food Bank, Junior Achievement and the Susan G. Komen Foundation.�Ms. Gibson graduated with honors from Cleveland State University with a bachelor�s degree in Psychology. She also holds a Masters in Business Administration degree with honors from Case Western Reserve University and a Juris Doctor from Cleveland Marshall College of Law.�

Richard Grisham is an Associate Vice President – Sales Operations at iPipeline. �Mr. Grisham lead iPipeline’s global Sales Enablement and Operations teams as it transformed from a boutique company to a global enterprise. Mr. Grisham manages the global Sales Engineering team, which encompasses system design and implementation, product and solution messaging, proofs of concept, and go to market strategies. �

Kevin Mackiewicz is the Marketing Director for Fifth Third Bank�s De Novo Marketing Program, where he is responsible for managing promotional, consumer and small business strategies for new banking centers. He currently oversees the program�s implementation and ongoing execution in 17 banking affiliates in 12 states.With 12 years of retail and mortgage banking experience, Kevin has held leadership positions in sales, management and marketing. Prior to joining Fifth Third Bank in 2008, Kevin held sequential sales management positions with Wells Fargo.Kevin received his BA in Business Management from the University of North Florida and is currently pursuing his MBA at St. Leo University with a scheduled graduation of December, 2014. He currently resides in Orlando with his wife and two daughters.

Gary Kochubka is a managing director and lead analytical manager in the US Asset-backed Securities (ABS) Term group of the Structured Finance Department at Standard & Poor�s in New York City.� Gary is responsible for the surveillance of all US ABS Term structured finance ratings including auto loan/lease, credit cards, unsecured consumer, equipment, manufactured housing, and student loans. He is also actively involved in the development of Standard & Poor's structured finance methodologies in his role as analytical manager as well as speaking at industry conferences and seminars.� He is a member of the Financial Essentials Working Group for McGraw-Hill Financial�s Corporate Responsibility team.Prior to transferring to the US ABS group, Gary worked in the Latin America/ Emerging Markets Group of the Structured Finance Department at Standard & Poor�s and is a product specialist for microfinance structured finance transactions, emerging market future flow (financial and operating asset), mortgage- and asset-backed structured finance transactions in Latin America and future flow (financial and operating assets) structured finance transactions for the Eastern Europe, Middle East and Africa (EEMEA) region.�Prior to being transferred to the Latin America Group, Gary worked in Standard & Poor�s Melbourne office for one and one-half years where he was responsible for rating international mortgage- and asset-backed securities in Australia, New Zealand and South-east Asia.� He has also had primary responsibility for rating international mortgage- and asset-backed securities in Canada and also has considerable knowledge and experience of structured ratings in the United Kingdom.Gary joined the International Structured Finance Group in 1988.� Before joining Standard & Poor�s, he worked at Salomon Brothers Inc. and Manufacturers Hanover Trust Corp.� Gary holds a Bachelors of Science degree in Accounting and Business from DeSales University (Pennsylvania) and a Masters of Business Administration in International Business from Baruch College (New York City).

Dominik Mjartan is president and chief executive of South Carolina Community Bank in Columbia, South Carolina, and board chair of the CDFI Coalition.

Dave Beaton has 20 years of financial services and technology experience and has spent the last 4 years developing the eSignatures program within RBC. As Senior Manager, eSignatures and Automation in Digital Strategy & Experience at RBC Dave is responsible for the overall strategy of the eSignatures program within Canadian Banking. Dave�s mandate is to deliver eSignatures solutions to all lines of business across all channels while building common reusable technologies that can be leveraged by future projects. Prior to joining RBC, Dave operated a successful consulting company for 15 years delivering various technology and business solutions for clients such as Manulife, Symcor, Purolator and RBC.

Jeffrey A. Shaffer is the Vice President of Analytics at Recovery Decision Science. Mr. Shaffer holds a BM and MM degree from the University of Cincinnati and an MBA from Xavier University where he was the winner of the 2006 Graduate Student Scholarly Project in Research. Mr. Shaffer has attended the Harvard Business School�s Executive Education Program, is a Certified Manager of Quality and Organizational Excellence through the American Society for Quality, a Certified Project Management Professional through the Project Management Institute and has completed Six Sigma Green Belt and Black Belt training with the Xavier Consulting Group.Mr. Shaffer is also Adjunct Assistant Professor at the University of Cincinnati in the Carl H. Lindner College of Business teaching in the Graduate Course Series for Data Analytics. He also teaches Data Visualization at the KPMG Advisory University. He is a regular speaker at business intelligence conferences and symposiums on the topics of data visualization and data mining, writes for the data visualization blog at MakingDataMeaningful.com for Clear Measures and his own blog, DataPlusScience.com. He was also a finalist in the 2011 Tableau Interactive Visualization Competition and in the Elite 8 in the 2014 Tableau Sports Visualization Competition.

Barbara Glasser is an award-winning marketing executive with proven success at world-class financial brands. �She currently is Senior Vice President, Head of Marketing, Corporate Communications and Product Management for New York-based Astoria Bank, with branches throughout the New York metropolitan area.� This year, Barbara led the bank through a complete rebrand that included development of a suite of new products, new services, a new name and logo, and a new corporate identity.� Prior to her joining Astoria, Barbara worked for TD Bank Group at their corporate headquarters in Toronto, Canada.� While there she led marketing for TD�s Canadian Retail Bank Savings & Investing, TD Waterhouse Discount Brokerage, TD Wealth, TD Asset Management and TD Securities on an international basis. �Prior to that, she was Managing Director, Global Head of Marketing for Citigroup's Smith Barney and Citi Private Bank businesses.� While there she was named Marketer of the Year by the Financial Communications Society on behalf of her work for Smith Barney. � Barbara has also held senior marketing roles at JPMorgan Chase and Merrill Lynch, but started her career at the former Shearson Lehman Brothers. �What she does best is help organizations more effectively attract, retain and grow their customer bases by converting those customers into true brand advocates.