Banco Popular de Puerto Rico

Jay Clark is Senior Vice President of Enterprise Digital Banking for First Niagara.� In this role, he is responsible for leading a digital transformation across First Niagara�s North Eastern franchise.� He is responsible for the bank�s digital banking initiatives and strategy.�Jay joined First Niagara in August 2010 as IT Relationship Manager for the Retail Banking Group.� Prior to joining First Niagara, Jay was Vice President and Internet Channel Manager, Online Product Group Manager and Program Director of Enterprise Sales and Service at Huntington Bancshares in Columbus, Ohio.� Jay also served as Senior Practice Manager of Financial Services at Siebel Systems in California and held various leadership roles in sales, product and technology with Banc One Corporation and Star Banc Corporation over the previous 20+ years.�Jay earned his Bachelor of Science in Finance and Business Management at Franklin University in Columbus, Ohio and currently resides with his wife and family in Colden, New York.��

20 years of consulting experience working together with clients' teams to develop actionable and sustainable resultsLeader in Bain's global Financial Services practice and expert on transformational growth and performance improvement strategies, and supporting change management�Served clients across FS sectors, including banking, insurance, asset management and services provided to these industriesMember of Bain's global Compensation and Promotion committee and several other internal leadership functions focused on talent development

Christian Goy is the co-founder and managing director of the Behavioral Science Lab.�No one combines science, art, skill and passion quite like Christian. He has the curiosity of an anthropologist, the eye of a designer, the ear of a storyteller and the heart of a champion.�A native of Germany, Christian earned a scholarship to Illinois State University, where he became the NCAA Division One Indoor Mile Champion in 2002. In 2004, he nearly qualified for the Summer Olympic Games.�He holds a BA in management and organization as well as an MBA with a focus in marketing. He is fluent in English and German and, as he says, �adequate� in Russian and Mandarin.�Since 2009, Christian has served on the board of the Gazelle Foundation and directed all marketing communications. In that time, the Foundation has provided over 20,000 villagers in Burundi with fresh water for life.

As Chief Information Officer, Garen is responsible for the bank�s technology platform and leads strategy for technology innovation, including enhancing mobile and online banking, extending online investment capabilities, and the secure gathering and usage of customer data.Based in San Francisco, Garen joined Bank of the West in 2011. Previously, she held positions at Visa Inc., Charles Schwab & Co., and Bankers Trust Company. She is a member of the board of directors of the Redwood City, Calif.-based non-profit Raising A Reader.Garen received her MBA from the Wharton School of Business at the University of Pennsylvania, and a Bachelor�s of Business Administration from the University of Michigan.

Ann is Executive Vice President and Chief Marketing Officer for Bank of the West. �As CMO, Ann is responsible for brand and advertising, multi-channel marketing and CRM, corporate sponsorships and events.Prior to joining the bank in 2013, she spent 15 years at Charles Schwab where she held a variety of leadership roles in brand, advertising, marketing communications, analytics and product/segment marketing.� Ann also has extensive experience in consumer packaged goods both in-house and agency-side, having worked earlier in her career at Procter & Gamble, Leo Burnett and Philip Morris.� She was recently elected to the board of the ODC and serves on the San Francisco Museum of Modern Art�s Board Marketing & Communications Committee.Ann earned an MBA from the Harvard Graduate School of Business Administration and graduated magna cum laude from Harvard College.��She lives in San Francisco with her twin children.

Don Maloney is a Senior Executive with over 28 years of Retail, Middle Market and Business Banking experience at JPMorgan Chase & Co. Responsibilities have included Strategy, Hiring, Execution and Implementation of key initiatives with a focus on customer-facing resources.Chase is one of the largest U.S. providers of banking, lending, treasury, wealth management and investment services. Chase serves 50 million customers, including consumers, small businesses, mid-size companies, corporations, financial institutions, nonprofits and governments. Within Business Banking, 5000 employees provide solutions to 2.2 Billion small business customers from start ups through $20MM in annual sales.As Senior Vice President of Business Banking, Don leads the Northeast Region with over 550 employees who provide deposit, credit and cash management services to small business owners across NewYork, New Jersey and Connecticut.Prior to this role, Don was Senior Vice President and Head of the National New Build Team. He was responsible for Bank�s National New Branch Strategy which included In-Store, In-Line and free standing branches throughout the Bank�s National footprint. Prior to this role, Don was Vice President of Small Business Sales & Services. He was responsible for the development and executive of a comprehensive sales strategy that supported several hundred Business Bankers in the field.Don has been with JPMorgan Chase since 1984. Early his career he developed extensive experience in dealing with privately held companies with revenue between $3-50MM. He spent over 12 years in the Bank�s Middle Market Banking Group. Various roles included Relationship Manager, Team Leader and a Sales Support Role. He�s continued to draw upon this experience to build high performance, customer-focused teams.Don attended St. John University for both his undergraduate and graduate studies, matriculating with a Master of Business Administration in Finance and a BS in Management.He lives in New Jersey with his wife and their children.

As North America Director of Brand and Advertising within Citi�s Global Consumer Bank, Elyssa Gray is responsible for strengthening the Citi brand and building customers� trust and loyalty. In this role, Elyssa manages Citi's advertising campaigns and media investment strategy for the US Consumer Banking businesses, with a strong focus on driving brand metrics and organic growth. She has also been responsible for championing the brand�s digital transformation and leadership, creating industry best in class digital programs.The work that Elyssa and her incredibly passionate team have led over the past two years has been lauded throughout the industry and has received numerous accolades, including several ADDY�s, Midas, New York Festivals, Mashies, Radio Mercury and FCS Portfolio awards. Citi has been�recognized for its integrated campaigns, most notably for the launch and activation of Citi Bike in 2013.Prior�to joining Citi, Elyssa was the Head of Global Media and Creative for Visa Inc. where she was responsible for leading global media strategy and management of Visa�s media investment, as well as overseeing all of Visa�s creative production for the U.S. market. During her 13 years at Visa, she led the advertising efforts behind numerous product, Hispanic segment marketing, and all of Visa�s sports and entertainment sponsorships, including the Olympic Games and NFL.Elyssa�s advertising foundation was built while working at BBDO NY in both Media and Account Services departments on several powerful consumer brands including Dupont, Gillette, Texaco, Visa USA, Armstrong and Thomasville.She graduated from the University of Vermont and currently resides in NYC with her husband David and sons Ethan and Justin, who keep her very busy when she is not in the office, either on the soccer field or on the side of a mountain.

Maria Lazzarini leads Bank of the West�s largest retail division, a territory that spans Northern California, Northern Nevada, Idaho, Washington and Oregon. Lazzarini oversees 1,400 employees, 25 area managers and more than 170 branches. In this role, she�s a key member of the leadership team transforming the entire bank�s retail network to better reflect the needs of today�s customers. The most striking example of this change in 2013 was the opening of three pilot de novo branches in the Bay Area featuring an open, queue-free floor plan, universal bankers, and interactive stations to acquaint customers with the bank�s award-winning digital channels.� Lazzarini�s long-time focus on customer service was rewarded with a Net Advocacy Rate of 70% in 2013, well above the 55% industry average. She also led the bank�s technology modernization efforts, resulting in the installation of new sales and servicing software that further improved the customer experience. She is based in San Francisco.Lazzarini joined Bank of the West nearly thirty years as a Management Program trainee in International Banking. She rose to become a commercial business development officer with a focus on importers and exporters and eventually worked as a Corporate Banking Officer for BNP Paribas, Bank of the West�s parent.�Lazzarini is one of the bank�s strongest and most vocal proponents of corporate responsibility.� A longtime board member of JVS, she encourages all of the employees within her region to give back and support their communities in tangible and meaningful ways. Lazzarini is a graduate of the University of Santa Clara.�

Brad Conner is Vice Chairman of the Consumer Banking Division at Citizens Financial Group, Inc. He is responsible for Retail Banking, Business Banking, Wealth Management, Home Lending, Auto Finance and Education Finance, as well as the Consumer Phone Bank and online channels. Conner is a member of CFG's Executive Committee and the RBS Americas Management Committee. Before joining CFG in 2008, Conner was President of JP Morgan Chase & Co.�s Home Equity and Mortgage Home Loan Direct business. He previously oversaw the combined home equity business of Chase and Bank One after the companies merged in 2004, and served as CEO of Chase�s Education Finance businesses. In his 12 years at Bank One/Chase, Conner played a key leadership role in the growth and evolution of the company�s mortgage and home equity businesses. Conner serves as a director for the Rhode Island Public Expenditure Council. He is treasurer of the board of trustees of the Dave Thomas Foundation for Adoption and serves on its audit committee and its Committee for Institutional Advancement. He is also a member of the Consumer Bankers Association board of directors. A native of St. Louis, Conner has a B.A. and M.B.A. from the University of Arkansas.

Since joining Topgolf in 2007, global marketing guru Susan Walmesley has been instrumental in evolving the company into one of the world�s fastest-growing experiential retail brands. Under her direction, Topgolf is consistently recognized for helping rejuvenate and grow the game of golf.Susan oversees Topgolf�s sales and marketing strategy and planning, branding, pricing strategy and implementation, guest insights and experiences, public relations and internal communications. Her multi-channel marketing approach helps Topgolf connect and engage with its guests, associates and stakeholders via print, online, mobile and guerilla marketing tactics.Susan joined Topgolf from The Hop Farm, a tourist attraction south of London, where she served as the Public Relations and Events Manager. She earned her Bachelor of Arts degree in corporate communications from Queen Margaret University (Edinburgh, Scotland) and her post-graduate diploma in marketing from the Chartered Institute of Marketing (U.K.).In her spare time, Susan is an adrenaline junkie who skydives, bungee jumps, runs half marathons and aspires to climb Mount Kilimanjaro. Her passion for serving underprivileged youth inspired her to successfully raise $30,000 for charity for her 30th birthday. Though unconfirmed, Susan claims to be renowned in two states for her impressive karaoke rendition of �500 Miles� by The Proclaimers.�