Banco Popular de Puerto Rico

Robert Heller is a former governor on the Federal Reserve Board and a former president of Visa. He is the author of The Unlikely Governor: An American Immigrant's Journey from Wartime Germany to the Federal Reserve Board.

Bill Githens is CEO of the Risk Management Association.

Greg D. Carmichael serves as president and chief executive officer, overseeing the strategic direction of Fifth Third Bancorp, a diversified financial services company headquartered in Cincinnati, Ohio. The Company has $141 billion in assets, approximately 19,000 employees and operates in 11 states. Its four main businesses are Commercial Banking, Branch Banking, Consumer Lending and Investment Advisors. Greg was named president in September 2012 and was appointed to the Board of Directors in July 2015. He was appointed CEO in November 2015.In his previous role as chief operating officer from July 2006 to October 2015, Greg was responsible for the Consumer Bank (Retail Banking, the Fifth Third Mortgage Company, Credit Card Group and Consumer Finance), Commercial Banking, Payments and Commerce Solutions and Fifth Third Investment Advisors divisions, as well as the Marketing and Customer Experience functions of the Bank. In his more than 12 years of service to the Company, Greg has provided outstanding direction and vision to the organization. His leadership has helped drive the overall success of the Bank. His focus on the customer experience has resulted in technological innovation, stronger analytics and more centralized, consistent operations.Greg joined Fifth Third Bank in June 2003 as executive vice president and chief information officer. Prior to joining Fifth Third, he was vice president and chief information officer for Emerson Electric, a technology and energy solutions provider with more than 300 manufacturing locations worldwide. From 1985 to 1996, Greg served in several information technology and leadership assignments at General Electric.Greg and his wife reside in Cincinnati, Ohio, with their three sons.Greg joined Fifth Third Bank in June 2003 as executive vice president and chief information officer. Prior to joining Fifth Third, he was vice president and chief information officer for Emerson Electric, a technology and energy solutions provider with more than 300 manufacturing locations worldwide. From 1985 to 1996, Greg served in several information technology and leadership assignments at General Electric.Greg and his wife reside in Cincinnati, Ohio, with their three sons.EducationGreg graduated from the University of Dayton with a bachelor’s degree in computer science and received a master’s degree from Central Michigan University.Professional and CivicGreg sits on the Fifth Third Bancorp Board of Directors. He also serves on the Board of Trustees for Bethesda, Inc., and Cincinnati Museum Center. He is a member of the Financial Services Roundtable Advisory Board and The�Commonwealth Club.

Camden R. Fine is president and CEO of Calvert Advisors LLC. He was previously president and CEO of the Independent Community Bankers of America.

Parris Sanz is CAN Capital’s Chief Legal Officer, Chief Compliance Officer, and Executive Vice President. Mr. Sanz serves on the company’s Executive Committee and oversees all legal and compliance matters, including corporate governance, securities compliance, corporate transactions, intellectual property, litigation, and the company’s Compliance Management System.Mr. Sanz joined the company in 2004 with more than 11 years of experience as a corporate, securities, and transactional attorney. Before joining CAN Capital, he was a senior executive and General Counsel of a specialty pharmaceutical company, the successful sale of which he led in 2003. Prior to that, Mr. Sanz was an attorney in private practice at the law firms of Latham & Watkins in Los Angeles and Paul, Hastings, Janofsky & Walker in San Francisco, where he handled a wide variety of M&A transactions, securities offerings including IPOs, and other corporate transactions, and acted as outside general counsel to a number of technology start-ups.

Karen Gifford is Special Advisor for Global Regulatory Affairs for Ripple. Previously, Ms. Gifford worked as an attorney in the private sector and at the Federal Reserve Bank of New York, where she was Counsel and Officer in the Litigation and Enforcement Group. Her work at the New York Fed included the successful defense of a claim by the Central Bank of Iran arising out of the hostage crisis for over $1 billion, and co-heading an investigation into misconduct in the sales and trading of complex leveraged derivatives at Bankers Trust. Later, she was a Senior Director at Promontory Financial Group, where she advised global banks and financial companies on regulatory issues and conducted investigations. She holds a J.D. from Yale Law School and an A.B. from Vassar College.

Sunil Madhu is the founder and Chief Strategy Officer of Socure.

Claire Burns is Senior Vice President and Global Head of Marketing Strategy for MetLife. In this role, Claire is responsible for MetLife’s brand and customer strategies.Prior to joining MetLife, Claire was Senior Vice President and Chief Strategy Officer for Alico, a $37 billion global subsidiary of AIG operating in 55 countries.� In that role, Claire oversaw Alico’s global strategy, M&A, divestiture, strategic intelligence, investor relations and corporate communications functions. She played a lead role in the divestiture of Alico from AIG, helping the company evaluate and execute strategic options resulting in the eventual sale of Alico to MetLife.Previously, Claire served as Vice President, Strategic Operations for AIG Worldwide Life Insurance where she led strategic growth and transformation initiatives across AIG’s global platform.� Prior to that, she was Vice President of Strategic Planning and Development for Prudential Retirement and head of Strategy and Integration for Lincoln Financial Group’s Employer Markets division.� Prior to Lincoln, Claire spent eight years consulting for Aetna's Health and International business units. She also held positions in communications and publicity for Columbia Motion Pictures and U.S. Senator John McCain.�Throughout her career, Claire has helped companies realize dramatic improvements in customer satisfaction, loyalty and retention, enhancing revenue and earnings growth. At Aetna, she led efforts to re-engineer key customer-facing processes, including claims, member services and health care precertification. At�Lincoln Financial Group, Claire established customer metrics as part of a balanced scorecard, reinvented the underwriting experience based on customer and distributor input, and led design and delivery of customer-retention strategies.� Most recently, at Alico, she helped initiate robust "Office of the Customer" programs in key global markets.Claire received her Master's in Business Administration from Yale University and earned a Bachelor of Arts in government and international relations from Wesleyan University.��

Frank Medina is senior counsel and director of research of Better Markets.