Banco Popular de Puerto Rico

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Alan Balko is a senior channel director in D&B’s Global Product Organization. In this role, Alan is responsible for partnering with D&B teams supporting customers in the Financial Services vertical. Prior to accepting this role, Alan was senior product director, Global Risk and Analytic Solutions, where he led the development of risk management solutions for D&B’s financial services customers.Alan also leads D&B customer forums and advisory councils, with specific focus on small business lending and commercial fraud detection and prevention, including D&B’s Small Business Risk Insight (SBRI) solution. Since SBRI was introduced to the market in July 2002, Alan has been responsible for building and managing this reciprocal database solution for the financial services industry. In this capacity, Alan has worked closely with many of the leading financial services institutions and other vertical industries helping their respective teams to leverage new sources of data to better identify processes for improving approval and loss rates and uncover new business opportunities through more strategic portfolio management.Prior to this current role, Alan was vice president of D&B’s Enterprise Risk and Compliance product suite, where he led a team that built and managed several Anti-Money Laundering (AML) compliance and counterparty risk solutions. Alan also worked with other vertical industries to build best demonstrated practices and strategies for detecting and preventing commercial fraud, specific to business identity theft.Alan joined D&B in 1987 and over the course of his career he has developed expertise in credit and operations risk management, fraud detection and prevention, AML and BSA compliance. Alan received his Bachelor of Science (BS) degree in Mineral Economics from the Pennsylvania State University. In his spare time Alan enjoys various outdoor activities including golf, bicycling and gardening.

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Mr. Turner is Pinnacle Financial Partners� President and Chief Executive Officer.� Mr. Turner is a graduate of the Georgia Institute of Technology where he received his bachelor�s degree in Industrial Management in 1976.� Following his graduation, Mr. Turner worked for Arthur Andersen & Company as a consultant in Atlanta, Georgia and joined one of his clients, Park National Bank, Knoxville, Tennessee in 1979 where he held various management positions including senior vice president of the bank�s commercial division. �In 1985, Mr. Turner joined First American National Bank, Nashville, Tennessee as a result of its acquisition of Park National Bank.� During his tenure at First American, he served as President of the Investment Services Group and President of the General Bank.� In this capacity, Mr. Turner had oversight responsibility for $11.9 billion in deposits, $6.7 billion in loans, 391 branches and 4,600 employees.� Mr. Turner�s banking career in Nashville has covered 17 years and has entailed executive level responsibilities for almost all aspects of banking and investment operations.During Mr. Turner�s tenure in Nashville, he has served as chairman of the board of trustees at Brentwood Academy, advisory board chairman for the Salvation Army, member of the Chamber of Commerce Board of Governors and as vice chairman for the Southern Baptist Foundation.� Mr. Turner also served as a member of the Nashville Area Habitat for Humanity Advisory Board.Mr. Turner currently serves as a member of the Belmont Board of Trustees and the Board of the Tennessee Banker�s Organization.� Mr. Turner is an active member in the Chief Executive�s Organization, the World President�s Organization and a member of numerous local clubs and organizations including Leadership Nashville.�

Randy Starr joined Topgolf in 2005 when the company first entered the United States from the U.K. Randy is responsible for spearheading Topgolf�s growth strategy, site selection and facility development. Under his leadership, Topgolf has opened 10 U.S. locations with long-term plans for expansion in multiple cities and states. �Prior to working at Topgolf, Randy worked at CB Richard Ellis� New York headquarters as part of the top commercial real estate sales team in the United States. There, he was responsible for more than $2 billion in commercial real estate asset sales. Prior to joining the real estate industry, Randy worked at Citigroup�s investment banking New York headquarters. He earned his Bachelor of Arts degree in political science and international relations from Duke University and a master�s certificate in real estate from New York University.When not daydreaming of maps, geocoded street addresses and market demographics, Randy spends most of his remaining time trying to keep up with his pair of toddler twins. In his former life, Randy enjoyed traveling, running and tennis. He is, predictably, an avid Duke basketball fan.

As Umpqua Bank�s Executive Vice President of Creative Strategies, Lani Hayward has been instrumental in creating and marketing the Umpqua brand and customer experience.� She has positioned the bank nationally and internationally as a model of change in the financial industry, focusing on customer experience innovation and game-changing channel delivery.Hayward is driven by the belief that a brand is only as authentic as the culture of the company it represents. As a result, she has focused Umpqua�s marketing efforts on exploring unconventional strategies that extend the company�s culture beyond its walls.Hayward leads a team dedicated to creating and delivering new concepts, from store design to interactive experiences to what Umpqua has dubbed �handshake marketing.�� In addition to being named one of the 25 Most Powerful Women in Banking by US Banker Magazine, Hayward�s work has been recognized locally and nationally, including in AdAge�s list of the Top 50 Sharp Ideas, and as the recipient of the Retail Design Institute�s 2014 international store design of the year award.

In 2014 Tim Quinn joined Capital Performance Group as a Principal. Tim has 27 years of industry experience, including over 24 years at Bank of America where he most recently managed the Distribution Planning & Strategy team.Tim joined CPG from Pitney Bowes Software, where he was an industry consultant supporting the Financial Services Sales team by aligning the capabilities of PBS with critical business issues in the industry.At Bank of America and its legacy companies (CNB, Shawmut, Fleet, FleetBoston) Tim held a variety of roles supporting the Consumer and Small Business Bank including distribution, finance, product, customer segment and marketing. Tim also worked closely with the analytics, real estate and HR organizations as they were integrally involved in the execution of the projects Tim developed.Tim developed a three year strategic plan for Bank of America that was targeted to yield nationally a 20% reduction in direct network expense as a result of network consolidation, branch sales and supporting infrastructure efficiency gains. With the analytics organization Tim holds a U.S. patent for developing BAC�s market opportunity model. Tim was a lead manager in the launch of BAC�s Growth Market Strategy team which moved the bank from a product led organization, to one that was focused on the customer and the unique opportunities presented by each metro market served by the bank.Tim holds a degree in Economics from Fairfield University, and from the Consumer Bankers Association Graduate School of Retail Bank Management.

Jim Grimmer is the Senior Vice President, Head of North American ATM Channel for TD Bank Group.Jim is responsible for a fleet of 4,700 ATMs for TD in the United States and Canada, bringing more than 30 years of financial services industry leadership to the ATM Channel. Prior to his current role, Jim served as Senior Vice President, Director of Store Operations for TD Bank, America's Most Convenient Bank�.Recognized as an innovator, Jim has implemented numerous new products and services that streamline processes, enhance customer experiences and deliver shareholder value.Prior to joining TD in April 2000, Jim was Vice President of Bank Operations at Mellon Bank, where he led the Bank Operations Team, and held numerous retail banking positions at PSFS, the first savings bank in the United States.Known as a valued coach, mentor and champion of diversity, Jim served as Co-Chair of TD Bank's, Lesbian, Gay, Bi-Sexual, Transgender and Allies (LGBTA) Diversity Group and brings his leadership to the Human Rights Commission (HRC) and Out & Equal equality initiatives. The HRC has recognized TD Bank as one of the �Best Places to Work,� scoring 100% rating on the Corporate Equality Index, since 2010.Recently, Jim was appointed to the board of the Crohn's and Colitis Foundation of America, a non-profit he has been involved with for more than 15 years and whose work and research directly impacts his family.Jim attended Holy Family College, has two grown children, Nicole and Ryan, and is a proud grandfather of Chloe Michelle and Wyatt Ryan.He resides in Ocean City, New Jersey with his partner, Michael, and enjoys hosting large family gatherings.

Areas of specializationGramm-Leach-Bliley Act ComplianceElectronic Banking Consulting and AuditInformation Systems General Controls ReviewsRisk Assessment and Policy DevelopmentInformation Security Program Development and ImplementationVendor Management and Contract ReviewCloud ComputingEducationJuris Doctor, University of Iowa College of LawMaster of Arts in Political Science, University of Iowa Graduate CollegeBachelor of Arts in Government, Phi Beta Kappa, magna cum laude, Beloit CollegeYears of experience20 years of IT experience; 4 years of IT examination and auditingEmploymentFederal Deposit Insurance CorporationAlliant EnergyUnited States House of RepresentativesOffice of Congressman Jim LeachProfessional certifications and membershipsCISA (Certified Information Systems Auditor)CompTIA Network+CompTIA Security+Member, ISACAMember, American Bar Association and Iowa State Bar AssociationIndustry media and trainingReading the IT Tea Leaves (Independent Banker, October 2014)Security Smarts (Independent Banker, October 2014)Legal Issues in Electronic Funds Transfer Fraud: Overview and Current Developments (University of Iowa College of Law, September 5, 2014)Reducing the Risk of Online Fraud for Financial Institutions (CliftonLarsonAllen website, September 4, 2014)Threat of Cybercrimes Changes Some Financial Institution Exams (CliftonLarsonAllen website, July 10, 2014)Fraud: Defining 'Reasonable Security (BankInfoSecurity.com, July 14, 2014)New FFIEC Cyber Exams: What to Expect (BankInfoSecurity.com, July 7, 2014)

An innovative and accomplished leader in the financial�services industry, Geoff has developed and implementedbranch distribution and channel merger integration programs�for Adrenaline�s largest and most recognized financial clients�including Wells Fargo, Capital One, Santander, BBVA�Compass, BB&T, First Citizens and KeyBank.Geoff�s noteworthy past experience includes such companies�as BrandPartners, Fleet Boston Financial, BankBoston and�John Hancock Financial.Geoff holds a Bachelor of Science in Business Administration�from Wake Forest University and an MBA from Temple�University�s Fox School of Business and Management.