Banco Popular de Puerto Rico

Jim Callan is Econiq�s CEO and he is an inventor. He founded and led Eontec (acquired by Siebel/Oracle in 2004). Eontec developed the world�s first multi-channel java banking platform, and delivered solutions to Retail Banks globally. He has also created facial recognition solutions used on the Internet.�With his team he has now created the world's first intelligent conversation platform. He believes that Financial Institutions who do not close the performance gap will be deserted by their customers.�Jim is married with two sons. He is passionate about his sports and is an avid coach and fan of various Soccer teams. �

Ajamu Kitwana oversees the management and implementation of ESL�s Consumer Prosperity program, established in 2013 by the Rochester, NY credit union to enhance its competitiveness while simultaneously solving economic and social problems in the communities in which it operates. Kitwana�s work will involve empowering all members of the Rochester community to gain access to the appropriate financial services, capabilities, and support to achieve prosperity.Prior to joining ESL, Kitwana was a consultant with FSG Social Impact Strategy Consultants. He also worked for several for-profit and non-profit organizations committed to shared value and/or social justice, including the Make It Right Foundation, an organization founded by Brad Pitt and committed to rebuilding neighborhoods in New Orleans devastated by Hurricane Katrina.Kitwana received a master�s in business administration from the Massachusetts Institute of Technology and holds both his bachelor and master of science degrees in civil and environmental engineering from Stanford University.

Christian Albela is based out of Charlotte within Protiviti�s Risk and Compliance practice. His career areas of expertise are in Asset-Liability Management, Credit Risk, and Stress Testing. Prior to joining Protiviti, Christian spent time with the State of Florida as a Safety and Soundness Examiner, the Federal Reserve Bank of Boston doing Surveillance, Research and Analytics and Bank of America in various capacities for six years. Nearly all of his roles have involved either being a heavy user of data or as a provider managing business intelligence teams.

Tom Feltner is the director of financial services at the Consumer Federation of America, an association of non-profit consumer organizations that was established in 1968 to advance the consumer interest through research, advocacy, and education. At CFA, Feltner heads coalition building, policy development and advocacy in the areas of automobile insurance reform, high-cost lending and financial services regulation. In this position, he is regularly engaged in state and national efforts to further the consumer interest in the financial services marketplace and protect consumers, particularly lower-income consumers, from abusive practices.

Anna Krayn is a Director, responsible for business development for stress testing and capital planning solutions. Her clients include a variety of financial services institutions, including those in the insurance, banking, and consumer finance sectors across Americas. Prior to her current role she was with Enterprise Risk Solutions as engagement manager leading projects with financial institutions across Americas in loss estimation, enhancements in internal risk rating capabilities and counterparty credit risk management. Before joining Moody�s Analytics in 2008, she was an analyst with Moody�s Investors Service. While on the ratings side of Moody�s Corporation, Ms. Krayn was a member of the New Instruments Committee and an analyst in the Financial Institutions Group focused on insurance sector.Earlier in her career, Ms. Krayn worked as an investment banker at Bank of America and also at Titan International, a boutique private equity firm. A native of Russia, Ms. Krayn holds Bachelor of Science degree in finance and international business and MBA from Stern School of Business at New York University (NYU).

Steve Wright joins EARN with over 25 years of experience working in the social sector. Prior to joining EARN, Steve was a vice president at the Grameen Foundation, where he lead two poverty alleviating social enterprises: TaroWorks and the Progress out of Poverty Index. Before that Steve was the director of innovation at the Salesforce Foundation, a teacher and school administrator, and a Peace Corps Volunteer. Steve Wright has a Master�s Degree in Education from Claremont Graduate University, and a BA in English and Creative Writing from Pomona College. Steve lives in Oakland with his wife and two children. As EARN�s new CEO, Steve is excited to build on EARN�s 15 years of service to reach one million Savers by 2022.

Susan Herbst-Murphy joined the Payment Cards Center after a career conducting product development, product management, research and strategic planning with card issuing and acquiring banks. She managed a business line which included a Visa Top-25 debit portfolio (consumer and small business,) prepaid cards, university one-cards and ATM cards. Herbst-Murphy has expanded the PCC research agenda to include commercial cards, small business credit, and public sector payment card initiatives. Last year, she co-authored a paper which identified the young, affluent prepaid card �power user� and the �hybrid� financial services consumer whose combined use of traditional and alternative products blurs the distinction between banked and underbanked. A follow-up paper is in progress.