Banco Popular de Puerto Rico

Jim Smith is Executive Vice President of Wells Fargo and serves as head of Wells Fargo Virtual Channels (WFVC), with responsibility for Wells Fargo�s digital, phone and other remote channels� strategies and capabilities.A 20-year veteran with Wells Fargo, Jim has helped bring internet banking and financial services to customers since Wells Fargo became the first bank online. During his tenure, Jim has developed many industry-leading products, including Wells Fargo MobileSM, personal financial management tools, bill pay and several payment products. Jim has also helped Wells Fargo businesses transform their models to leverage e-commerce and digital technology.Under Jim�s leadership, Wells Fargo has won multiple awards from Keynote, Global Finance, CompuServe and others for digital products and experience and Wells Fargo has consistently earned top industry and consumer rankings in a wide variety of categories. These awards highlight Wells Fargo�s leading role in offering an excellent multi-product, multi-platform experience to all of its customers.With over 70 percent of all Wells Fargo consumer checking accounts actively managed online, there are more than 24 million online customers, 5 million Bill Pay customers, and over 13 million Mobile customers. WFVC also encompasses Wells Fargo's primary phone contact organization that supports multiple lines of business and serves all Retail Bank customers. With 23 centers, the service and sales channel supported over 450 million customer calls in 2013.

Ginny Temple Franks serves as Vice President, Financial Education and Content Manager in the Marketing department at Regions Bank. Headquartered in Birmingham, AL, Regions serves customers in 16 states across the South, Midwest and Texas. Ginny received her BA in Journalism and Mass Communication from Samford University and went on to write and edit for a national magazine owned by Time Inc. After earning her MBA from the University of Alabama at Birmingham, Ginny has served in several marketing roles on the advertising and media teams at Regions.

Shahin Clark is the CEO and lead consultant of Jamesville, New York-based Lodestone Banking, which provides specialized comprehensive revenue analysis for banks that tracks down and captures missing revenues that are lost through core system conversion, erroneous system settings, and mergers and acquisitions. In this position, Clark is responsible for directing banks� revenue improvement projects and leading the strategic direction of Lodestone.In 1994, Clark wanted to offer the banking industry a new way to locate lost revenue opportunities without layoffs, branch closings, higher fees, and changes to loan loss reserve or renegotiating vendor contracts. Utilizing what she had learned, Clark constructed a methodology which connects four key elements: bank senior management, core systems, test banks and customer transactional data from all bank channels, such as branches and ATMs. Clark�s methodology includes the projection of annual revenue and all steps needed for implementation and tracking results.Clark has more than 30 years of experience analyzing all departments in the banking industry and has worked closely with senior bank managers in the United States and Puerto Rico.�Prior to the creation of Lodestone Banking, Clark served in the internal consulting divisions of Marine Midland Bank/HSBC before joining a private consultation firm on projects for multi-regional institutions. In both of these roles, Clark oversaw the projects designed to increase banks� revenue through improved operational performance.�She has lectured at Whitman School of Management at Syracuse University, ABA Community Banking Conference and the JHA Strategic Initiatives Symposium. Additionally, Lodestone was invited by the Chinese government to lecture on the subject of bank profitability and met privately with several of China's bank presidents, mayors and university professors.Clark graduated from Syracuse University with a degree in management information systems (MIS).

Pierre P. Habis is Managing Director and Group Head of Consumer, Business and Private Banking for MUFG Union Bank. �Habis, who has more than 25 years of banking experience, was named to his current position in 2010 after joining the bank in 2008 to head branch banking.� In his current role, he manages all aspects of Consumer Banking, Business Banking and Private Banking, including the Product Management and Development Group, the Business Credit Center, Direct Banking, Risk Management and Operations.Prior to joining Union Bank, Habis was President of Retail and Commercial Banking at Countrywide Bank. Habis also served as First Federal Bank of California�s head of retail banking. Before joining First Federal, he was Senior Vice President and California Finance Executive at Bank of America. From 1988 to 2002, Habis held several senior positions at Wells Fargo Bank.Mr. Habis is actively involved with the following organizations: Board of Councilors of the University of Southern California�s Dana and David Dornsife College of Letters, Arts and Sciences; Board of Directors of the Los Angeles Philharmonic Association and the Board of Trustees of the California Science Center Foundation. He earned a B.A. in economics from USC and an MBA from Chapman University.

DARYL G. BYRD is President and Chief Executive Officer of IBERIABANK Corporation and IBERIABANK.� He serves on the Boards of Directors for both entities.� He joined IBERIABANK in 1999.� IBERIABANK, headquartered in Lafayette, Louisiana, is the 126-year-old subsidiary of IBERIABANK Corporation operating 187 branch offices throughout Louisiana, Arkansas, Alabama, Florida, Texas and Tennessee.� With $15.5 billion in assets (as of October 31, 2014) and over 2,700 associates, IBERIABANK Corporation is the largest and oldest bank holding company headquartered in Louisiana.Mr. Byrd began his banking career with Trust Company Bank of Georgia (now SunTrust) in 1980.� He worked for BB&T until 1985 when he moved from North Carolina to Louisiana where he worked in Lafayette, Alexandria and New Orleans for First Commerce Corporation and its subsidiaries. Following the merger of First Commerce and Bank One, Mr. Byrd was named president and chief executive officer of Bank One, Louisiana, New Orleans region.Some of Mr. Byrd�s current community and civic affiliations include Greater New Orleans Foundation, board member; Eaglebrook School - Deerfield, Massachusetts, member board of trustees; Louisiana Association of Business and Industry, board member and executive committee member; The Order of St. John, member; Committee of 100, member; Tulane Business School Council, member, LSU � E.J. Ourso College of Business Administration, Executive Board of Advisors, board member, The University of Alabama, Culverhouse College of Commerce, Board of Visitors, member, The University of Alabama Birmingham, Collat School of Business, Deans Advisory Council, member, University of Alabama Birmingham, Campaign for UAB, executive committee member, Bureau of Government Research, board member and New Orleans Business Council, board member.� Mr. Byrd recently served on the Federal Advisory Council as representative for the Sixth District of the Federal Reserve System.He received a BS degree from Samford University in 1976 and an MBA degree from the University of Alabama-Birmingham in 1978.

Jeff Sterling has been employed by German-American State Bank for 16 years, serving the past 7 years as President and CEO.� German-American State Bank is a $200MM community bank located in German Valley, Illinois with three additional branches, employing approximately 50 people.� The bank provides products and services to consumers and small business owners and specializes in serving farmers and ag-business.� Mr. Sterling graduated from Eastern Illinois University with a bachelor�s degree in Finance and the Graduate School of Banking, University of Wisconsin � Madison.� German-American State Bank has been a BancVue client since 2010, now reporting over $20MM of Kasasa branded deposits.

Gene Kirby is President of C. G. Kirby Partners, LLC an independent management consulting firm focused on the financial services industry. Mr. Kirby is a former Chairman of the Consumer Bankers Association.Mr. Kirby has over 29 years of experience in the industry having served in multiple roles across retail banking, commercial banking, marketing and executive management. Prior to forming his consulting firm Mr. Kirby was President of NewAlliance Bank in New Haven, CT where he was responsible for all lines of business within the company. Prior to joining NewAlliance, he was with SunTrust Bank in Atlanta, GA where he was Corporate Executive Vice President responsible for the retail line of business, the commercial line of business, consumer product management, call center operations and corporate marketing.Mr. Kirby also has extensive experience in the area of online banking and eCommerce strategies. During his career with SunTrust he was the Director of eBusiness, where he managed the online strategy across all key business lines. He was responsible for internet marketing, online product development and all website content. Prior to joining SunTrust he served as the Senior Vice President of the Internet Development Group at Crestar Bank in Richmond, Virginia where his team led the launch of Crestar�s initial online banking platform, positioning them as the 6th bank in the US to go live with online banking capabilities.He is a graduate of Virginia Tech and received his MBA from Duke University.

Gabe Krajicek is the chief executive officer of BancVue, the leader in branded, community-powered banking products. BancVue�s innovative Kasasa� suite connects breakthrough products with world-class marketing, data-driven consulting, and unprecedented access to training, compliance, research, and support resources. Krajicek joined BancVue in 2005, steering the company�s explosive growth to include over 700 community banking clients. In addition to numerous media appearances and speaking engagements, Krajicek received the Ernst & Young Entrepreneur of the Year Award for Central Texas.