Banco Popular de Puerto Rico

Kathryn transitioned into the financial services industry in 1992.� She joined Citibank as a Citigold Executive, and was responsible for meeting the investment, lending and deposit needs of a portfolio of financially sophisticated clients.��In 1996 Kathryn joined First Union National Bank as a Financial Sales Leader, where she managed a sales force of specialists in suburban Maryland and Washington, D.C.� Kathryn implemented strategies to improve profitability and gain market share through her focus on sales, service, customer satisfaction and employee development. ��With extremely strong sales results and a highly energized and performing team, Kathryn was recognized as a top performer and was asked to relocate to West Palm Beach, Florida to become the Retail Bank Director.� In this position, she led and set the direction of consumer and small business strategies across Palm Beach County, Florida.� While serving in this capacity, First Union and Wachovia merged to become a national retail powerhouse.�In 2001, Kathryn was asked to assume responsibility for the Philadelphia, Pennsylvania metro retail banking market.� In 2003, her role expanded, as she assumed responsibility for all of Retail and Small Business for Pennsylvania and Delaware.����In 2004, Kathryn led the start up of Wachovia’s highly successful entry into the Texas market and managed the integration of the Wachovia acquisitions of SouthTrust and World Savings.� The region she managed evolved to include Texas, Kansas, Colorado and Illinois.� In 2007, Kathryn was again promoted to assume the larger responsibility of the Southeastern US market for Wachovia.� In 2009, Wachovia was purchased by Wells Fargo where Kathryn was named Regional President of Southeast Florida.Kathryn re-joined Citibank in June, 2011 as the Regional President of the Consumer Bank for the Eastern Region.� Kathryn is responsible for implementing Citi’s service and sales strategy for all Citibank branches from Boston to Miami, as well as guides the DeNovo strategy in those markets. In October, 2015, Kathryn was named the US Head of Small Business and Merchant Services.�Kathryn has a BS in Business Administration and series 7.� Active in the community Kathryn has held the position of treasurer of the Beacon Council in Miami, CEO Council of the Broward Alliance, Board Member of the Museum of Discovery and Science just to name a few.� Kathryn currently sits as Vice Chair on the Board for Florida International University Foundation.�

Bartow is the CEO of BrandBank in Lawrenceville, Georgia.� Bartow began his career in 1994 after the death of his father.� He has diligently led the bank in continued growth both financially and technologically.� Presently, he serves on the Board of Trustees of Georgia Gwinnett College, Hampden-Sydney College, The Gwinnett Children’s Shelter, Inc., a Director of the Buckhead Coalition, member of the Gwinnett Chamber of Commerce and the Young President’s Organization, Southern 7 Chapter.Bartow previously served as Board Member of Georgia Ports Authority and Young President’s Organization- Southern 7 Chapter. ���He is past Chair of Gwinnett Chamber of Commerce and President of Northeast Georgia Community Foundation.� He also fulfilled his duties as Director of the Georgia Chamber of Commerce, Gwinnett County Development Authority, Gwinnett Health System, and Gwinnett Tech Foundation.�Bartow received his B. A. degree in Economics from Hampden-Sydney College in 1994.� He is also a graduate from Leadership Gwinnett and the Gwinnett Regional Leadership Institute.A past President of The Rotary Club of Gwinnett,� The 1818 Club and The Nine O’Clocks, Bartow presently serves as Chairman of Gwinnett Clean & Beautiful , Chairman of the Development Committee of Gwinnett Medical Center Foundation and is a member of The Atlanta Rotary Club.� He was recognized by Georgia Trend magazine as one of Georgia’s top “40 Under 40”.BrandBank is a recipient of the Atlanta Journal-Constitution and Cox Family Enterprise Center award honoring Georgia family businesses.�Bartow was born in Atlanta, Georgia and raised in Lawrenceville, Georgia.� He is married to the former Leslie McPhail of Cooperstown, New York; they have two sons, Bartow, III and Everett.

Erik W. Bakker is a Senior Vice President and Midwest Region Executive of Chase’s Business Banking practice covering Illinois, Michigan, Indiana, Ohio, West Virginia, Wisconsin and Kentucky. He joined the Business Bank in 2012 after serving as a Market Manager in the Commercial Bank covering Middle Market clients in Michigan and Ohio. Previously, he served as a Managing Director in the Bank’s Automotive and Transportation Group. During his 28-year tenure with the Bank, Mr. Bakker has held a variety of positions with the Bank’s large corporate, capital markets, middle market and business banking areas.Mr. Bakker received his BA and MBA degrees from Kansas University.

Jennifer Copeland is the Experiential Marketing Manager for Wells Fargo.� She is responsible for experiential marketing programs that are part of integrated marketing campaigns and support the Wells Fargo brand.� She also consults with other Wells Fargo groups who are executing experiential marketing programs.� Her group created and manages Wells Fargo’s mobile tour the Together Experience, which features a virtual reality experience that was covered in the American Banker article published August 21, 2015, Wells Fargo Puts Virtual-Reality Twist on Experiential Marketing, written by Mary Wisniewski. A seasoned marketing and finance professional, she joined Wells Fargo in 2006 and has been in her current position 2 years.

As Director of Mobility and New Digital Business Technologies, Chad Ballard is responsible for the technology strategy, design and development of the Consumer, Small Business and Commercial mobility solutions for BBVA Compass. Ballard also oversees the strategy, design and development of new digital business technologies, which includes responsibility for the “Banking as a Service” platform for BBVA Compass and integration, and technology management of digital partnerships and strategic acquisitions. He also counts the development of new digital business models among his responsibilities.Ballard has led the Digital Transformation program since its 2010 inception, developing online and mobility platforms for Consumer and Small Business customers, and a new Digital Sales Origination platform. This new platform has included development of a multi-channel architecture and key real-time features to include CRM, Payments, Transfers, Alerts, Mobile Remote Capture and Innovative Digital Products such as NBA Banking that further enhanced the ability for nationwide product sales. In 2013 and 2014, BBVA Compass won the Best in Mobile Functionality Award from Javelin Strategy & Research and in it was given top nod by Money magazine for best mobile app in its annual Best Banks in America 2015 feature.Ballard started with the bank in June 2002 and has held various leadership positions within the IT division, including as Business Partner for Retail Banking and Business Development & Shared Services and prior roles as Business Partner for Finance, Risk and Informational lines of business.Before joining BBVA Compass, Ballard held development and project lead roles for five years within the Financial and Healthcare industries.�Education:Ballard earned a bachelor’s in Management from the University of Alabama at Birmingham

Wes Spencer is an information security professional with over 10 years of experience.� In his current role, Wes oversees the Information Security Program for his bank.� He is also an advocate for information security and enjoys education and speaking opportunities across the country.� Prior to working in finance, Wes was a professor of Information Security at Murray State University, where his research interests were in network security and cybercrime.�In 2013, he released a popular documentary on the Silk Road takedown, which currently has over 300,000 views.� The documentary can be viewed on YouTube: https://www.youtube.com/watch?v=LkRhBOZSw38

As Chief Risk Officer for American Express, Ash Gupta promotes strong capabilities and disciplined, integrated risk controls – across all risk types, geographies and businesses – to ensure that the company is both financially successful and highly respected in any economic environment. In turn, this has allowed American Express to steadily become stronger as a bank holding company. �As head of Information Management, Mr. Gupta also ensures that capabilities, especially closed loop and big data, are designed and leveraged responsibly to enable company-wide innovation in customer value, commerce, service and risk management.Over the last two decades, Mr. Gupta has been instrumental in building forward-looking risk evaluation, control and monitoring capabilities that have contributed to American Express’ industry-low credit and fraud write-off rates, strong liquidity, and market risk controls while maintaining a focus on customers. He has promoted simplification and globalization of core processes for effective compliance and operational risk controls. Under Mr. Gupta’s leadership, American Express has been one of the early users of big data and open source platforms within the financial services industry.Mr. Gupta reports to the company’s Chairman and CEO, Kenneth Chenault.� He works closely with the company’s Board of Directors, with special focus on the Risk Committee, Audit & Compliance Committee, and Compensation & Benefits Committee.Mr. Gupta has served the company across his entire professional career holding broad leadership positions within Risk Management, Information Management, US Banking, Finance, and Strategic Planning. Through this experience, he has developed an informed understanding and appreciation for opportunities and challenges within and across all businesses, including charge, credit card, prepaid, merchant, network, and travel businesses. He remains a strong proponent of diversity and inclusion.Mr. Gupta earned an MBA from Columbia University (1977) and a bachelor’s degree in Engineering from Indian Institute of Technology (IIT), Delhi (1974).� Currently, he serves on the boards of Encore Capital Group (NASDAQ: ECPG), Big Brothers Big Sisters of New York, and South Asian Youth Action (Advisory Board), and is involved with organizations focused on education and the arts.�Previously he served as a board member and chair of Audit Committee for Symphony Teleca Corporation (sold in April to Harman International). He enjoys magic, bridge, hiking and traveling.He lives in New York City with his wife, Anita and has two grown sons.

Wade joined Jack Henry & Associates, Inc.� (JHA) through the company’s acquisition of Banno, a company that he founded and developed to help banks and credit unions become more involved in their customers’ financial decisions. Banno was recognized with accolades such as the top 10 financial technology companies to watch by American Banker, and the Technology Association of�Iowa's�Prometheus Award for small/medium software company of the year.�At JHA, Wade’s role is to shape the mobile and consumer experience strategy as well as drive Banno innovation. His vision includes helping financial institutions engage customers in ways that monetize the digital channel, embrace new generations, and strengthen the overall solvency of digital banking for years to come. Wade’s presentation of the Banno Platform story at FinnovateFall 2015 was widely lauded and shared throughout the industry.Wade entered the industry as an Adobe Enterprise Evangelist and the lead developer, touring the world to speak at Web development conferences and authoring books on open source development. Today, he spends more time focusing on distributed functional programming.�He is president of the Association for Financial Technology (AFT), an active board member of the Greater Cedar Valley Alliance and an executive board member of the Technology Association of Iowa, speaking at these associations’ events regularly. He holds a degree in computer science emphasizing intelligent systems from the University of Northern Iowa, an MBA from the University of Iowa, and completed the ABA Stonier Graduate School of Banking.�Twitter: @WadeArnoldLinkedIn: https://www.linkedin.com/in/wadearnold�