Banco Popular de Puerto Rico

Karen Salisbury is the Senior Managing Director of Delivery for the Americas at Profit Insight. Profit Insight is an international earnings enhancement firm providing specialized profitability and performance improvement solutions.Karen brings with her 19+ years of experience in the financial services industry; most recently at PartnersFirst, a start-up affinity credit card provider. There, she was the Operations Director responsible for credit card processing functions, platform development, servicing and vendor management. Prior to PartnersFirst, Karen was employed for 18 years by MBNA/Bank of America in a variety of leadership positions. Her executive leadership experience includes leading Business Card, Consumer Finance, IVR, Call Center Operations, Cardholder Servicing and Risk/Retention organizations. She has a proven track record of working across functional silos; creating scalable infrastructures, managing large scale initiatives, driving growth, reducing risk, improving operating efficiencies, and increasing profitability.Karen�s areas of expertise include platform/business processes (TSYS), building infrastructures, business transformations, servicing, IVR design and system integrations. She has earned the PMP credential from the Project Management Institute�.Karen has a Bachelor�s degree from University of Delaware.

Tom is the Senior Managing Director for Retail Banking with PROFIT INSIGHT�. PROFIT INSIGHT� is an international earnings enhancement firm providing specialized profitability and performance improvement solutions for financial institutions.Tom joined PROFIT INSIGHT� in 2009. His team is responsible for partnering with clients to deliver value by identifying, analyzing and implementing solutions to improve deposit performance across most every element of the business. His direct experience working in financial institutions provides an informed and unique perspective on the business that allows our solutions to be crafted to meet the specific needs of our clients.Tom has been in banking for over 20 years. His career covers a variety of senior line and functional roles with Wachovia and SunTrust including management of deposits, debit cards, loans, online, check programs and other key aspects of Retail Banking. Prior to joining PROFIT INSIGHT�, he was Senior Vice President at SunTrust, managing the Consumer Deposit and Access Services group. His expertise spans product management, new product development, margin management, fee income management, product profitability, mergers and integration, research and analytics.Tom graduated from the University of North Carolina at Chapel Hill with a Bachelor of Science in Business. He completed the Executive Leadership Program at the Kenan-Flagler Business School and is an Honors Graduate of the Graduate School of Retail Bank Management at the University of Virginia.

Michael Schanker is the Global VP of Marketing and Strategy at Lithium Technologies. In this role, he is responsible for the company�s global go-to-market strategy and demand generation efforts. He spends extensive time with customers, industry analysts, and other organizations discussing the fast-changing digital and social marketing landscape, and using those insights to advance the company�s solutions. He has been in the technology industry almost 20 years and has served in marketing, product, and sales executive roles at companies including ServiceSource, Siebel Systems, and PTC. He also spent eight years at global consultancy PwC, working with companies in multiple industries on their deployment of technology to improve business processes and results. If pressed, he will admit to having started his career as a CPA. Michael holds an MBA from the MIT Sloan School of Management and a B.S. from Washington University in St. Louis.�

S�nchez, whose responsibilities include BBVA operations in New York as well as Bancomer Financial Holdings, has worked for BBVA for nearly 25 years. He joined BBVA Compass as head of community banking in 2008, having led Laredo National Bank for the previous three years after it was acquired by BBVA. Between 2002 and 2005, S�nchez served as chief risk officer for BBVA Bancomer in Mexico City. Earlier in his BBVA career, S�nchez served in New York from 1999 to 2002, Paris from 1994 to 1999, and Madrid from 1990 to 1994, holding positions in the corporate, investment and correspondent banking divisions of the bank. S�nchez is a governing director of the Houston Symphony and a board member of the Financial Services Roundtable, Kipp Houston charter schools and the Museum of Fine Arts, Houston. He is a member of the Yale Admissions Committee, the Greater Houston Partnership and the Houston chapter of the Young Presidents Organization, and is a trustee at the Post Oak Montessori School. S�nchez was named Alabama Citizen of the Year for 2011 by the March of Dimes and was chairman for the American Heart Association�s Heart Walk in 2007.A graduate of Yale University, S�nchez earned master�s degrees in international relations from the London School of Economics and in advanced European studies from the College of Europe.

Atul has more than 20 years of broad industry expertise with deep skills in strategy, customer experience / omni-channel, business process re-engineering, operational excellence, and six sigma.� In his tenure Atul led numerous large, complex efforts spanning retail banking and operations, working hand-in-hand with technology.

Gary McAlum serves as Chief Security Officer of United Services Automobile Association. He joined USAA in February 2010 and his responsibilities include: Information Security & Privacy, Financial Crimes Management, Physical Security & Investigations, and Business Continuation. Prior to USAA, he served 25 years in the US Air Force and a short time with Deloitte & Touche, LLP.While in the Air Force, he was on the front line of cyberspace operations for the Department of Defense. Throughout his military career, he worked in a variety of leadership and staff positions within the communications and information technology career field including: telecommunications, satellite communications, deployed network operations, and information security. Gary was on the front line of cyberspace operations for the Department of Defense where he was a major figure in the establishment and evolution of the Joint Task Force Global Network Operations, the organization that was the focal point for the operation and security of DoD information systems and networks. During this time, he was frequently called upon to provide cyber threat insights to a wide variety of interagency forums, including the US-China Economic and Security Review Commission, the President's National Cyber Study Group, and Congressional testimony. In addition, he worked extensively with government agencies to improve information sharing processes and operationalize new technologies.After retiring from the Air Force, he spent a short time with Deloitte & Touche where he co-authored Deloitte's global perspective, Cybersecurity: Everybody's Imperative and served on a Presidential task force that developed recommendations for a joint public-private sector cyber response capability.Gary holds a B.A. in Mathematics from The Citadel, an M.S. in Management Information Systems from the University of Arizona, and an M.S. from the National Defense University. He is a Certified Information Systems Security Professional (CISSP), a Certified Fraud Examiner (CFE), and has completed the Wharton Security Executive Development Program. He currently serves on the board of the Internet Security Alliance (ISA) where he contributed to the development of the “Cyber-Risk Handbook” that is promoted by the National Association of Corporate Directors (NACD).

Matthew is Managing Director and Protiviti�s Risk Practice Leader and a member of the U.S. FSI Leadership Team. His client experience includes major financial institutions, internationally active insurers, specialty finance companies, regional banks, credit card issuers, middle-market commercial lenders and distressed debt purchasers. He has assisted clients in addressing their financial risk management and strategy needs in multiple areas, including credit evaluation, quantitative models, process enhancements, portfolio management and structured finance.

Kamila Chytil is the Senior Vice President and General Manager, FIS Retail Payments. In her role, Kamila oversees all aspects of the P&L, from business development to risk management, compliance, and operations. The division generates 100M+ in annual revenue, processes over 40 billion dollars in check cashing and guarantees payments at national retailers such as Lowe�s, Macy�s, Staples and thousands of others.Fraud is a constant challenge in retail, and it has become a special focus for Kamila. Her groups fight fraud on a daily basis with the use of real-time monitoring, in-house statistical models and white collar crime investigators. The teams prevent over 50M in fraud every year and help secure 500 white collar crime arrests annually.Prior to joining FIS 9 years ago, Kamila served in analytic and client relationship management roles in distribution and financial services industries.Kamila holds a bachelor�s degree in International Business and Finance from University of Tampa and a master�s degree in Business Administration from University of Florida.

Louis believes we can fix the financial system with elegant software, smarter data, and thoughtful design. He studied mathematics, economics, computer science, and engineering at Princeton before his graduate studies at Harvard. Prior to Earnest, Louis worked at banks, government agencies, startups, and the venture capital firm, Andreessen Horowitz.