Banco Popular de Puerto Rico

Vicki Shapiro is the Information Technology (IT) Manager of USAA’s Member Authentication team responsible for providing business process ownership for identifying and verifying members contacting USAA.� She has 30 years experience in developing and implementing IT solutions, including electronic records management and identity and access management.� Vicki has the Global Information Assurance Certification (GIAC) for Law of Data Security and Investigations (GLEG).� She has been the project manager on million-dollar IT projects and a certified Project Management Professional (PMP) since 1995.

Dominic A. Liberatore is the Deputy General Counsel for De Lage Landen Financial Services, Inc., a global provider of leasing and business finance solutions, including vendor finance.Mr. Liberatore has been practicing law for 28 years focusing in the areas of leasing and asset based lending, and has served in a variety of senior in-house legal positions with DLL, IOS Capital, Inc. (the captive finance subsidiary of IKON Office Solutions, Inc.), Copelco Financial Services Group, Inc. and the FDIC. Prior to going in-house, Mr. Liberatore was an associate at Cravath, Swaine & Moore in New York City and Wolf Block in Philadelphia. Mr. Liberatore is currently serving as the Immediate Past Chairman of the ELFA Legal Committee and is a frequent speaker at industry events.Mr. Liberatore holds a J.D. from Vanderbilt University and a B.A. from the University of Buffalo.

Troy is the Director of Business Services for Mid MN Federal Credit Union (MMFCU) in Baxter, MN.� MMFCU is a $280MM credit union located in central Minnesota, serving 35,000 members with ten branches in nine communities.� Troy joined MMFCU in 2010 and has over 20 years of experience in financial services.� Troy previously served as Community Bank President at Border State Bank, Market President at US Bank, President of JTG Investments, and Merrill Lynch.� He is a graduate of St. John’s University with a B.A. in Economics.

Pablo� Sanchez� is Head of Retail Banking and Wealth Management, USA and Canada. In this role, he leads the RBWM business in the US and has oversight of the RBWM business in Canada. He is based in New York.Pablo joined HSBC in June of 2015 from J.P. Morgan Chase, where he held a number of retail banking leadership roles since 2006, the most recent of which was National Director, Consumer Banking. Before that, he held executive positions at Home Loan Direct and CitiMortgage—a subsidiary of Citigroup—in its lending, mortgage, and retail operations.

Colin is responsible for setting the business agenda and driving its execution, in consultation with the leadership team and board at Moroku. A�business leader with 25 years of experience in financial services software, Colin commenced his career as an engineer then quickly progressed commercially, growing and building start-up ventures as well as segments within multinational companies such as Sun Microsystems and Microsoft. Colin’s desire for results is coupled with a massive enthusiasm for the potential of software to change the world. As a highly spirited and practical leader, he is regarded by his peers as a strategic and creative thinker with a great ability to see the big picture. Cycling across Australia in 2010 with some friends to raise money for charity highlights much of who�he is, loving�adventure, the outdoors, sports, challenging himself and growing.

Gurhan started his career at Fortisbank as a Management Trainee in Corporate Banking Division.� After 3 years in banking, he switched his career towards IT and soon became Head of Core Banking IT Projects. Throughout his career Gurhan has successfully built businesses in international projects and partners. In March 2012, Gurhan was selected to be one of the founding department heads of Digital Generation Banking at DenizBank. His extended experience on the IT side, enabled him to play a leading role in building new products and services destined to a new generation of banking customers as Head of Innovative Special Projects. Becoming Senior Vice President in 2013 and President of Innovation Committee in 2015, he continues to contribute to DenizBank’s vision of digital banking and digital transformation. Gurhan lives in Istanbul with his wife and two kids and is a professional fisherman. He also plays football as goalkeeper and likes theatre and gastronomy.

Michael Schlein is president and CEO of Accion, a global nonprofit dedicated to building a financially inclusive world. Accion has helped build 65 microfinance institutions in 32 countries and makes impact investments in innovative financial technology and services companies working at the base of the pyramid. Accion’s Center for Financial Inclusion helps create a standards-based industry with broad engagement.Previously, Mr. Schlein served as president of Citigroup’s International Franchise Management and ran Citigroup’s communications, philanthropy, government relations, branding and human resources. He served as chief of staff at the U.S. SEC under President Clinton, and with New York City Mayors Dinkins and Koch. In 2014, Mayor Bill de Blasio appointed him Chairman of the NYC Economic Development Corporation.