Banco Popular de Puerto Rico

Todd is a Director in the Model Risk and Capital Management Practice with an emphasis is on risk modeling and model validation for Market, Operational, Credit, and Interest Rate Risk.� Recently, Todd has supported stress testing model development, validation and audit at more than 10 major banks.� He has developed model governance processes and risk quantification processes for the world�s largest financial institutions and is an SME for internal audit of model risk management function.� Todd�s 2008 RMA Journal article, "Identifying, Measuring, and Managing Model Risk" won second place in the Journalistic Excellence Awards competition in the category of consultant-written articles.� Todd has a Ph.D. in corrosion modeling from the Massachusetts Institute of Technology, where he minored in Finance at the Sloan School of Management and in Nuclear Physics including stochastic modeling.� Todd is certified by the Global Association of Risk Professionals as a Financial Risk Manager.

Paul W. Spotts has over 21 years of experience in commercial banking. He specializes in credit, credit policy & administration, loan review, special assets, and stress testing. Paul leads all underwriting and credit administration functions for a $1.2 billion community bank.

Gary Kalman is executive director of Transparency International U.S.

Matt Homer is a member of the policy staff at the FDIC where he monitors and analyzes consumer finance topics, including mobile financial services, emerging payments, and student lending. He also works on FDIC initiatives related to economic inclusion. Prior to this role, he was a strategy consultant for Deloitte Consulting, where he worked with government and financial institution clients on matters related to financial regulatory reform. He also previously worked for The Century Foundation, a policy think tank, as an analyst focused on domestic and international policy issues. Matt graduated magna cum laude from the University of Utah with bachelor degrees in economics and international studies. He also received a Master of Public Policy degree from the Harvard Kennedy School of Government, where he served as the Executive Managing Editor of the Kennedy School Review.

She joined Bankwell in 2004 as Chief Lending Officer, which she continues to be today. She is a career banker, with over 30 years of commercial real estate and commercial banking experience. She previously worked for Webster Bank, where she managed the Fairfield County commercial real estate group. Ms. DeWyngaert received her undergraduate degree from the University of Rochester and her MBA from American University. She is active in the community, and is on the Board of Directors of the Connecticut Housing Finance Authority (CHFA).

Robert Tas is the Chief Marketing Officer and Senior Vice President at Pegasystems. He leads Pegasystems' marketing globally, including brand, advertising, communications, product marketing and field activation teams.Robert is a marketing and operations executive with over 25 years' experience. He was previously Managing Director, Head of Digital Marketing at JP Morgan Chase & Co. (JPMC). During his three years at JPMC, Robert built and led the Digital Marketing Group globally, which served both JP Morgan's wholesale business and Chase's consumer business. Prior to JPMC, Robert was a pioneer in the internet digital media industry, working at such companies as Tacoda Systems, 24/7 Real Media and a company he founded, Sportgenic, which was sold to Glam Media in 2010. Prior experiences also include a strong enterprise technology background from Sybase, CommerceOne, and eGain, where Robert held various executive sales, product, and marketing positions. Robert currently serves the boards of the Association of National Advertisers, the Ad Council, and the Mobile Marketing Association.

Andre Hill serves as Chief Marketing Officer for First Niagara Financial Group, Inc. (Nasdaq: FNFG).� In this role, he oversees the bank�s marketing initiatives and works to develop the areas of marketing strategy, marketing communications, advertising and promotions, market research and customer service.Andre joined First Niagara in December 2012 as Senior Vice President of Business Planning and Analysis. Prior to that, he spent 10 years at Eastman Kodak Company in several strategic planning and business development roles, where he rose to the level of Director, Worldwide Marketing. In addition, he has more than 15 years of banking experience with KPMG, M&T Bank and JPMorgan Chase.Andre is a graduate of Fordham University and the University of Rochester, where he earned his master�s degree in business administration.