Banco Popular de Puerto Rico

Sabeth Siddique is a risk management consultant at Quannah LLC and former deputy chief risk officer at a major regional bank. He is a former Federal Reserve bank supervisor.

David Luther is a proven entrepreneur and business leader with over 30 years of experience driving business development for Fortune 500 and start-up companies including management leadership roles in successfully taking Internet banking pioneers S1 and Brokat public on the US NASDAQ and German Neuer markets respectively. Mr. Luther has global responsibility for building new market, investment, M&A and revenue opportunities for Mozido�s mobile commerce solutions. Prior to joining Mozido in 2012, Mr. Luther served as North American general manager at payments software provider Distra where he started the US operations and quickly grew the business resulting in a successful acquisition by ACI Worldwide. Previously, he was vice president of global financial solution management for Unisys. In this worldwide leadership role, Mr. Luther managed the company�s software and services offerings to the financial and payments industry driving over $2B in Unisys annual revenue. Prior to Unisys, he held product management and business development VP positions at companies in the mobile commerce and financial services spaces, including Fidelity Information Systems, Brokat, S1, and GTE.

Jim Crawford is Executive Director for Wholesale Credit Stress Testing responsible for all traditional credit products at JPMorgan Chase. Jim is part of the Wholesale Credit Analytics and Solutions team at JPMorgan responsible for the stress testing production and the credit data used in the models. Jim also coordinates work with all the Wholesale Business Credit Managers and Product Controllers and Model Developers on both the development and implementation of Wholesale Credit stress testing models. Jim is responsible for communicating and representing JPM with the OCC and FRB regulators for wholesale credit in DFAST and CCAR. Jim has worked at JPMorgan for 25 years in various roles within Credit Risk and Finance including 5 years in Brazil as Product Controller for the Emerging Markets business. Prior to JPMorgan, Jim worked as a Senior Auditor at Price Waterhouse in the financial sector. Jim obtained his CPA in the state of Pennsylvania and graduated with a BA in Business from the University of Scranton.

Douglas Clark joined Axcess Financial in 2004 and has responsibility for retail, e-Commerce, customer service and collections, information technology, decision science and strategic development for Axcess Financial. Axcess operates over 1,300 consumer lending retail locations and several internet lending solutions in both the U.S and the U.K. Previous to joining Axcess, Mr. Clark spent over 16 years working for Chiquita Brands, Inc. in roles that included Vice President, North American Operations and Vice President, Strategic Procurement, during which time he gained extensive experience in building high performance teams, developing organizational competencies and leading and executing strategic initiatives. Mr. Clark earned his B.B.A. in Finance from Xavier University in Cincinnati, Ohio in 1987.

Tilman Ehrbeck draws on a deep understanding of the intersection of business, government policy, and movement building in his role as a partner at Omidyar Network. He oversees the teams advancing three of the organization�s core initiatives: Financial Inclusion and Property Rights, which are important building blocks for economic citizenship and shared prosperity, as well as the cross-cutting effort to support the Impact Investing field.Tilman�s 25 years of experience in financial services and inclusive businesses include serving as CEO of the Consultative Group to Assist the Poor (CGAP), a high-profile global partnership of 34 leading organizations that share the common mission to advance financial inclusion for the poor. Tilman also has held leadership positions with McKinsey & Company in the firm�s Banking & Securities and Global Healthcare Practices. He has worked across Africa, Asia, and North America. He started his career at the International Monetary Fund and the U.S. Congressional Budget Office.Tilman holds a Ph.D. in economics from the European University Institute (EUI) and an undergraduate degree from the University of Hamburg.

Mark Singleton, Senior Vice President of Reynolds and Reynolds, has started more than a dozen successful technology companies and has more than three decades of experience in developing leading edge products. Holding numerous patents, Mark has specialized in empowering users to achieve competitive advantages by making technology work more effectively in unexpected ways. He pioneered use of computers in finance and insurance industries as is credited with a number of game changing firsts including:� COINLink, electronic credit approval systems connecting lenders and consumers; KeyTrak, electronic keys and access tracking for high security government, military, and universities; and most recently DocuPAD, a paperless electronic closing table that allows high speed compliant finance transactions to be completed while adhering to ever-changing regulations.�