Banco Popular de Puerto Rico

Scott Schilagi is Director of Digital Client Engagement within Citi�s Global Experience Team. Scott has been with Citi for 15 years, during which time he has held a variety of leadership roles in digital marketing and digital client experience. He has an MBA from Duke University and a BA in International Studies from The Johns Hopkins University.

With more than 33 years devoted to credit risk management in consumer lending, Rich leverages his experience to oversee GDS Link's new business development, assist in product development, provide clients with consulting support and manage the relationship with more than thirty data bureaus in the US.�Before joining GDS, Alterman was senior vice president of product management and new business development for Corelogic-Teletrack, the first CRA focused on the short term lending industry. �While there his responsibilities included spearheading product development, data enrichment and analytics, relationship retention with sister companies and third parties and consultative support.�Prior to Teletrack, Alterman was director of RSA banking and of CRM solutions for Computer Sciences Corp. (CSC), where he administered the account management for three of the largest banks in the Republic of South Africa. His role included overseeing the development of an event-based consumer management platform for South Africa's largest financial institution as well as contract negotiations, customer support and dispute resolution.�Alterman's background also includes hands on risk management experience at American Express Centurion Bank, the credit card division at First National Bank of Boston and Citicorp Retail Services Inc.

Ryan is a vice president in the Financials Group within Global Investment Research where he has primary coverage of the regional banks and Credit Card companies. Prior to joining Goldman Sachs in October 2010, Ryan worked in equity research at Barclays Capital, where he was an associate vice president focused on Large Cap Banks.Ryan began his career in the Financial Services Assurance Practice at Arthur Andersen, where he was focused on hedge funds, private equity and structured products. Ryan graduated with a BS in Accounting with honors from Lehigh University in 2000. In addition, he holds an MBA with honors from the Leonard N. Stern School of Business and is both a Certified Public Accountant and a CFA charterholder.

Prior to joining JCP, Mr. Deegan was with NGP Energy Technology Partners from 2011 to 2014. Mr. Deegan was at Allied Capital Corporation from 2002 to 2010, and at the time of his departure, he was a Principal and served as a member of the Investment Committee. Mr. Deegan currently serves on the Board of Directors of Penn Power and Board of Managers for Foundation Consumer Healthcare. Mr. Deegan holds an M.B.A. from the University of Richmond and a B.A. from Davidson College. He is a member of Beta Gamma Sigma and played professional soccer in the United States for over five years.

Michael Whalen, a partner in the firm's Financial Services Group and member of its Banking and Consumer Financial Services practice areas, focuses on banking and consumer financial services law. He advises banks, bank holding companies, broker-dealers, mortgage companies and other financial institutions on a variety of transactional and regulatory matters. Mr. Whalen has extensive experience in mortgage lending, credit card and deposit account matters.

Margaret (Peggy) Burgess is Executive Vice President and Chief Credit Officer for Business Banking at Citizens Bank in Providence RI where she is responsible for asset quality and credit performance of the portfolio.Peggy has demonstrated increasingly detailed risk management, credit and leadership experience at several financial services institutions including Citizens Bank, Bank of America and FleetBoston Financial. �An expert in Credit and Operational Risk Management, Peggy has also held leadership roles across both Commercial and Consumer banking businesses.�Peggy joined Citizens in 2005 as the Head of Operational Risk Management responsible for the creation, implementation and oversight of a corporate-wide Operational Risk Management framework.� Prior to that, she held positions of increasing responsibility at Bank of America (formerly Fleet) including the Small Business Risk Solutions Executive for the Consumer & Small Business Risk Solutions team where she was responsible for risk management oversight of the national Business Banking/Small Business portfolio.�A resident of Providence, Peggy is a graduate of Providence College where she earned a B. A. in Accounting and an MBA in Business Administration

Michael Casey is a senior advisor for the Digital Currency Initiative at MIT Media Lab, where he works to build awareness and scholarship around the application of digital currencies and the underlying blockchain technology.Before joining MIT last summer, Casey was a senior columnist covering global finance at The Wall Street Journal. In a career spanning five continents, he covered currencies, bonds, equities and economic policy for The Journal, Dow Jones Newswires and various other media outlets.Casey is the author, along with his former WSJ colleague Paul Vigna, of The Age of Cryptocurrency: How Bitcoin and Digital Money are Challenging the Global Economic Order, now a leading reference on digital currencies and blockchain technology. He has two prior books to his name: The Unfair Trade: How our Broken Global Financial System Destroys the Middle Class, an analysis the global dimensions of the recent financial crisis, and Che’s Afterlife: The Legacy of an Image, about the famous photo of Ernesto "Che" Guevara by Alberto Korda.A native of Perth, Australia, Casey is a graduate of the University of Western in Australia. He also has higher degrees from Cornell University and Curtin University.

Thomas Smedinghoff is Of Counsel at the Locke Lord, where his practice focuses on the new legal issues relating to the developing field of information law and electronic business activities. Mr. Smedinghoff is internationally recognized for his leadership in addressing emerging legal issues regarding electronic transactions, identity management, privacy, information security, and online authentication issues from both a transactional and public policy perspective. He has been retained to structure and implement first-of-their-kind e-commerce initiatives, electronic transactions, and identity management and information security legal infrastructures for the federal government, and national and international businesses including banks, insurance companies, investment companies, and certification authorities. He has also been actively involved in developing legislation and public policy in the area of electronic business at the state, national, and international levels.

MeMe Jacobs Rasmussen oversees Adobe’s privacy strategy and policy. She also leads a team of attorneys and paralegals with responsibility for providing legal services to Adobe’s cloud teams.� Prior to joining Adobe in 1997, Ms. Jacobs Rasmussen served as general counsel and later chief operating officer at Rocket Science Games. Previously, she practiced law at Gray Cary Ware & Freidenrich in Palo Alto, California, and at Foley, Hoag & Eliot in Boston. Jacobs Rasmussen started her career in the early 80s as a technical instructor at Prime Computer near Boston before joining the company’s in-house legal department.