Banco Popular de Puerto Rico

Timothy Madigan is a Director in Citi's Global Securitized Markets' Consumer Finance Group and is primarily responsible for sourcing, analyzing and executing specialty finance transactions in the consumer finance sector. Over a 20+ year career focused in structured finance, Mr. Madigan has executed both principal and financingtransactions in a wide variety of assets and industries consisting of publicly and privately offered debt, the purchase and sale of assets and businesses and various other capital raising activities.Mr. Madigan earned a BS degree in Finance from Indiana University, Bloomingtonand an MBA from the University of Chicago Booth School of Business and is a CFACharterholder.

William Black is a Managing Director of Moody’s Asset Backed Securities primary ratings team for the US and Canada franchises. Mr. Black heads a team of credit professionals who cover a variety of ABS asset classes, including: credit card, auto, student loan, equipment, transportation, rental car, wireless tower, stranded cost, structured settlement, whole business, marketplace lending, and solar, among others.� He is also the managing editor for the ABS Spotlight, Moody’s monthly credit research publication covering the US ABS sector.Mr. Black earned a BA in Economics from Vanderbilt University and an MBA at Fordham's Graduate Business School.

Keith is the Credit Executive at PNC for the Business Bank and Community Development Banking.� He also serves on the Board of PNC's CDC and Chairman of the CDC's Investment Committee.� He has been with PNC 42 years, primarily in Commercial Lending and Credit Risk.�

Heather Petersen is Founder of and Principal in handl Consulting, a boutique high-tech marketing consultancy firm located in San Francisco, CA. Ms. Petersen is a tech-savvy strategic thinker with in-depth operational knowledge and a track record of success. Ms. Petersen leads complex initiatives and works with diverse teams, enabling high-tech leaders to better serve customers and to quickly grow market share. She has also served as an Adjunct Professor of Marketing at the University of San Francisco.

TJ Parks, Senior Director with Treliant Risk Advisors, has extensive experience creating and implementing risk-based privacy and security programs related to data within in business processes and information technology platforms, as well as managing risks arising from relationships with third parties. Prior to joining Treliant, Mr. Parks was a Director in the Privacy and Data Protection practice at Promontory Financial Group. He was responsible for leading teams in the execution of privacy, data protection, and information risk engagements for national and multinational organizations. Mr. Parks was also a Senior Manager in Deloitte’s Enterprise Risk Services practice, where he focused on developing new service offerings related to data privacy and information protection, and assisting clients with their global privacy, security, and risk management programs. Mr. Parks earlier served as Senior Privacy manager for Microsoft’s North American Sales & Marketing subsidiary, where he developed enhancements to protect customer and partner privacy information, and advised the business on compliance with laws, regulations, and requirements governing data use.

Jeff Meyers is a Director in the Structured Lending and Investments group of Citi Community Capital, a department within Citi’s Municipal Securities Division responsible for the bank’s impact investing and community development lending activities.� Since joining Citi in 2010, Jeff has been involved in the origination, structuring, closing and portfolio management of various structured debt and equity investments, including those in the affordable housing, education, healthcare and alternative financial services sectors.� Prior to joining Citi, Jeff worked in the Investment Banking and Debt Capital Markets divisions of Bank of America Merrill Lynch, where he focused on debt and equity financings for clients in the real estate, gaming and lodging sectors.�Jeff graduated from the University of California, Santa Barbara with a B.S. in Economics and Mathematics and holds his Series 7 and 63 securities licenses from FINRA.

Patrick is the CTO of Personal BlackBox (PBB), a Public Benefit Corporation, that has developed a user-centric data platform that makes it easy for people to collect the digital assets they create and use them to their benefit while maintaining privacy, control, and value. He also serves as an advisor to R3, a financial services consultancy and coordinator of the Distributed Ledger Group, which is creating the next generation of financial services innovation via the allocation of block chain and distributed ledger technology.�

Co-Chair of MoFo’s Privacy and Data Security Practice. Ms. Wugmeister provides legal and strategic advice on all areas of international privacy and data protection issues as well as working on cyber-security preparedness and breach response. Ms. Wugmeister works with global companies to find practical solutions to allow them to use and manage personal information in every country in the world.