Banco Popular de Puerto Rico

Robb Gaynor is co-founder and chief product officer of Malauzai, focused on ensuring the company has solutions at the cutting-edge of mobile innovation. He has more than 25 years of experience in the financial services industry, having previously served in leadership roles at Union Bank of California, Digital Insight/Intuit, and other large global financial organizations including Swiss Bank Corp, Charles Schwab and Wells Fargo Bank.

Emily Reynolds is senior vice president, Financial and Professional Services, for Xerox Large Enterprise Operations (LEO).� She rejoined Xerox in January, 2009, as industry vice president of Retail, Travel, Hospitality, and Consumer Goods. Following that assignment, Emily was promoted to senior vice president of the �Select� accounts, delivering operational excellence and enhanced business relationships, driving growth� in 74 of Xerox�s largest clients. In her current role, Reynolds is responsible for delivering revenue growth and innovation in a vertical market of financial and professional services accounts.Before returning to Xerox, Reynolds worked for Canon as president of their Midwest subsidiary, Canon Business Solutions-Central, Inc., for 12 years.� Following that, she was vice president of Services for Canon USA�s national direct channel enterprise.� In her last role at Canon, Reynolds held the position of vice president and general manager of Corporate Communications for Canon USA, Inc., serving as their corporate spokesperson and brand manager.Prior to Canon, Reynolds worked for Xerox for 15 years in various sales and marketing management positions.Reynolds received a bachelor�s degree from Mount Holyoke College. �She is a member of the Economic Club of Chicago, chairing or serving on their reception committee for more than three years.� She also serves on the board of directors of the Boys and Girls Clubs of Chicago. Reynolds is a member of The Wings Club, a global organization of aviation enthusiasts and leaders.��

Sumeet Sanghani is Group Executive and leader of Banking and Capital Markets for the Financial Services Industry Group at Xerox. In this role, he manages P&L for the Banking and Capital Markets industry segment, partnering with Xerox capability teams to enhance client relationships, service delivery, business development and strategic growth.Sumeet has more than 20 years of experience in the financial services, communications, and outsourcing services sectors.�His career spans an array of functional areas such as strategic planning, operations improvement, technology planning and integration, business transformation and restructuring, including outsourcing and shared services. He has worked with several global corporations developing and executing growth strategies, bettering operations performance, and driving new operating models through global sourcing and mergers and acquisitions.He joined Xerox in 2013 and served as head of strategy for the Financial Services Group until assuming his current position at the end of 2014. Prior to joining Xerox, Sanghani was the head of strategic sourcing and global outsourcing at SunTrust Bank.�Previous to that, he was an associate principal at McKinsey & Company and has over 12 years of consulting experience with McKinsey and Big Four management consultancies.Sumeet holds a bachelor's degree in Electrical Engineering from Bangalore University in India and a master's degree in Industrial and Systems Engineering from Virginia Tech University.� He also serves on the board of Literacy Action, Inc., a non-profit organization dedicated to adult literacy in the Atlanta metro area.

Janneke Ratcliffe serves as Assistant Director for Financial Education in the Consumer Financial Protection Bureau. Prior to joining the Bureau in September of 2014, Ms. Ratcliffe served as Executive Director at the Center for Community Capital, at the University of North Carolina at Chapel Hill. In this role, Ms. Ratcliffe led a group of researchers in examining how people and communities utilize financial services.She was also a Senior Fellow at the Center for American Progress. Before serving at UNC, Ms. Ratcliffe spent seven years working at Self-Help Ventures Fund, one of the leading community development institutions in the United States, and prior to that, ten years at GE Capital in mortgage and mortgage insurance.Ms. Ratcliffe graduated from the University of North Carolina at Chapel Hill with a B.S. in economics and French.

Matthew White is the Dodd-Frank Act Stress Testing Analyst for Midsize Bank Supervision (MBS) at the Office of the Comptroller of the Currency (OCC). In his current position, Mr. White is the program manager for the development and implementation of MBS� DFAST submission review program and related supervisory initiatives, particularly for institutions between $10 and $50 billion in total assets. He joined the OCC in 2005 in the San Antonio Field Office, receiving the National Bank Examiner commission in October 2009 and Federal Thrift Regulator accreditation in July 2013. Before his current position, he also served as the Commercial Credit Lead Expert Support for MBS, Acting Commercial Credit Lead Expert for the Southern District, and is the lead developer of the OCC�s income producing CRE portfolio stress testing tool for use by community banks. Mr. White holds a Bachelor�s Degree in Finance from Auburn University.

Kari Falkenborg is a Senior Financial Analyst in the OCC's Midsize Banking Supervision (MBS) at the Office of the Comptroller of the Currency. In her current position, she is actively involved in all aspects of implementing Dodd Frank Act Stress testing for National banks and thrifts with assets between $10 and $50 billion. Prior to her current role, Ms. Falkenborg worked in the OCC�s Policy, Economics and Supervision areas specializing in a variety of capacities, including financial reporting and analysis, capital markets, commercial real estate analysis and stress testing. Ms. Falkenborg holds a B.S. in Economics and a Master's degree in Finance from George Mason University.

Dr. Gordon Liu is Managing Director/Executive Vice President, head of Regulatory and Risk�Analytics, Wholesale Credit and Markets Risk, HSBC North America. He is responsible for the�development and implementation of risk models used for market risk, counterparty credit�risk, and wholesale credit risk; development and implementation of wholesale credit and�traded risk CCAR/PRA/EBA stress testing models; regulatory and economical capital�models; and for communicating and interacting with various regulatory agencies to�ensure HSBC�s compliance with model standards and capital rules in the region.Prior to joining HSBC, Dr. Liu was a market risk model developer and manager at Citi Group and�Merrill Lynch, responsible for VaR model development and implementation, after spending three�years in the telecommunication industry developing network management software.�Dr. Liu received his PhD in electrical and systems engineering from University of Connecticut,�undergraduate and master degrees from Huazhong University of Science and Technology, Wuhan,�China.

Joshua Fairfield is an internationally recognized law and technology scholar, specializing in digital property, electronic contract, big data privacy, and virtual communities. He has written on the law and regulation of e-commerce and online contracts and on the application of standard economic models to virtual environments. Professor Fairfield�s current research focuses on big data privacy models and the next generation of legal applications for cryptocurrencies. His articles on protecting consumer interests in an age of mass-market consumer contracting regularly appear in top law and law-and-technology journals, and policy pieces on consumer protection and technology have appeared in the New York Times, Forbes, and the Financial Times, among other outlets. Before entering the law, Professor Fairfield was a technology entrepreneur, serving as the director of research and development for language-learning software company Rosetta Stone.Professor Fairfield consults with U.S. government agencies, including the White House Office of Technology and the Homeland Security Privacy Office, on national security, privacy, and law enforcement within online communities and as well as on strategies for protecting children online. From 2009 to 2012, he provided privacy and civil liberties oversight for Intelligence Advance Research Project Activity (IARPA) research programs in virtual worlds. In 2012-13 he was awarded a Fulbright Grant to study trans-Atlantic privacy law at the Max Planck Institute for Research on Collective Goods in Bonn, Germany. He was elected a member of the American Law Institute in 2013.