Banco Popular de Puerto Rico

Duane Duck is a Senior Vice President and Sales Strategy Manager for Bank of the West’s Regional Banking Group.� He is responsible for the sales results of Bank of the West’s retail branches in 19 states.� During his 30 years in financial services, Duane has held positions in retail and commercial banking, investments and insurance.� Prior to joining Bank of the West, Duane held senior management positions at Citibank, Washington Mutual and United Commercial Bank.� He holds an MBA from the University of Chicago Booth School of Business and a BA from Claremont McKenna College.

Al Ko is senior vice president and general manager of Intuit’s Consumer Ecosystem Group. Appointed to this role in August 2015, he leads an organization that includes Mint and Mint Bills designed to help U.S. and Canadian consumers avoid worrying about their bills while simplifying and improving their financial lives.Ko joined Intuit in 2006 and previously served as vice president of product management in the company’s Small Business Group where he was responsible for the worldwide QuickBooks ecosystem, including payments. In addition, Ko led product management for Intuit's Payments and Commerce Solutions group and served as vice president of product management for Intuit Financial Services.Before joining Intuit, Ko was a management consultant with the Boston Consulting Group, advising clients on strategy, organizational effectiveness and supply chain management. He also held roles at Ariba Inc., and McKinsey & Company.�Ko earned a juris doctorate from Harvard Law School with a concentration in international financial systems, and a bachelor’s degree in international studies and history from Yale.

Rachel joined BECU in May 2014 and since then, she’s looked for ways to bring financial education and financial empowerment programs to life, while measure the impact on BECU members and the community. Rachel is currently leading efforts to pilot a Financial Health Check service that encourages BECU members to develop healthy savings habits. She’s also responsible for the team that manages BECU’s philanthropic giving, financial education, and community engagement. This year, the Community Outreach team is reprising ‘Closing for Good,’ an event that will close down the credit union for a day in October 2016 so that every BECU employee can help facilitate Financial Reality Fairs for ~3,000 students across the Puget Sound region.Rachel received her MBA from the University of Washington, her MLIS from San Jose State University, and her BS from Calvin College.

Mr. Beccia brings a substantial amount of experience providing legal guidance with respect to complex financial matters with him to Circle. Prior to joining Circle, Mr. Beccia was Senior Vice President, Deputy General Counsel, and BSA Officer at Boston Private Financial Holdings, Inc., a national financial services organization that specializes in private banking, where he advised on bank regulatory, anti-money laundering, and corporate law issues. Prior to his time at Boston Private, Mr. Beccia served as the Assistant General Counsel of Investors Bank & Trust Company and as Chief Regulatory Counsel and Research Director for The Financial Services Roundtable, which represents 100 of the largest integrated financial services companies providing banking, insurance, and investment products and services to American consumers. Mr. Beccia holds a Bachelor of Arts degree in Political Science from Providence College, a J.D. from Roger Williams University School of Law, and a LLM in Banking and Financial Law from Boston University School of Law. He is Chair of the In-House Counsel Subcommittee of the American Bar Association’s (ABA) Banking Law Committee and currently serves on the U.S. Treasury Department’s Bank Secrecy Act Advisory Group.Mr. Beccia is an adjunct professor at Boston University School of Law and is a frequent speaker on legal and regulatory issues impacting the financial services industry.

Andrew Waxman is an associate partner in IBM Global Business Services' financial markets risk and compliance practice. He is the author of the book "Rogues of Wall Street: How to Manage Risk in the Cognitive Era."

Janine is currently the Deputy Director, Digital Financial Services at Scale, for the Financial Services for the Poor (FSP) team at the Bill & Melinda Gates Foundation. In her role, Janine is responsible for accelerating and deepening the penetration of digital financial services beyond basic payments in Kenya, Tanzania, and Uganda while ensuring that the grantmaking and management are of the highest standards. She is also a member of the FSP leadership team.Janine has more than 30 years of experience in information technology with the last ten years focusing on financial services, particular e-payments and mobile banking. Most recently, Janine was President and Founder of Sevak Solutions—a non-profit spun out of the Hewlett-Packard Company in 2005 to advance the role of technology in the delivery of financial services to the poor. �She has also served as a mobile financial services consultant to mobile operators, financial institutions, and development agents.�During her career, Janine has had management positions in other corporations, start-up businesses, development organizations, and government agencies. Since 1995, she has been concentrating on the intersection of business, technology, and international development. Through her work, Janine has gained expertise in a range of sectors including financial services, health care, and education. She has led initiatives around the globe, but with particular emphasis on Africa and Asia.���Janine holds a Master Degree in Marine Biology and Computer Science from the University of Florida and a Bachelor Degree from UCLA..��

Piotr Kaminski is a senior partner in McKinsey & Company's Global Banking Practice.

Richard M. Kovacevich is a retired chairman and CEO of Wells Fargo.

Pascal Bouvier is a venture partner with Santander Innoventures. He writes the FiniCulture blog. Contact him on Twitter @pascalbouvier.

Manolo S�nchez is chairman and CEO of BBVA Compass, and was named U.S. country manager for BBVA Group in 2010. Under his leadership, BBVA Compass has established itself as a bank driven by people, principles and innovation and a model of community involvement from Florida to California. S�nchez, whose responsibilities include BBVA operations in New York as well as Bancomer Financial Holdings, has worked for BBVA for nearly 25 years. He joined BBVA Compass as head of community banking in 2008, having led Laredo National Bank for the previous three years after it was acquired by BBVA. Between 2002 and 2005, S�nchez served as chief risk officer for BBVA Bancomer in Mexico City. Earlier in his BBVA�career, S�nchez served in New York from 1999 to 2002, Paris from 1994 to 1999, and Madrid from 1990 to 1994, holding positions in the corporate, investment and correspondent banking divisions of the bank.��� In�addition�to English and Spanish, he speaks French, German and Arabic. He lives in Houston with his wife and three children.Professional and Community�Activities S�nchez is a governing director of the Houston Symphony and a board member of the Institute of International Bankers, the American Bankers Association, KIPP Houston charterschools�and the Museum of Fine Arts, Houston. He is a member of the Greater Houston Partnership and the Houston chapter of the Young Presidents Organization, and is a trustee at the Post Oak Montessori School. S�nchez received the Laredo Gateway Rotary Club’s 2014 Paul Harris Fellow award and was named Alabama Citizen of the Year for 2011 by the March of Dimes. He served as chairman for the American Heart Association’s Heart Walk in 2007.Education A graduate of Yale University, S�nchez earned master’s degrees in international relations from the London�School�of Economics and in advanced European studies from the College of Europe.