Banco Popular de Puerto Rico

Michael S. Piwowar was appointed by President Barack Obama to the U.S. Securities and Exchange Commission (SEC) and was sworn in on August 15, 2013.Most recently, Dr. Piwowar was the Republican chief economist for the U.S. Senate Committee on Banking, Housing, and Urban Affairs under Senators Mike Crapo (R-ID) and Richard Shelby (R-AL).� He was the lead Republican economist on the four SEC-related titles of the Dodd-Frank Act and the JOBS Act.� Dr. Piwowar also worked on a number of important SEC-related oversight issues under the jurisdiction of the Committee, such as securities, over-the-counter derivatives, investor protection, market structure, and capital formation.During the financial crisis and its immediate aftermath, Dr. Piwowar served in a one-year fixed-term position at the White House as a senior economist at the President�s Council of Economic Advisers (CEA) in both the George W. Bush and Barack Obama Administrations.� While at the CEA, Dr. Piwowar also served as a staff economist for the Financial Regulatory Reform Working Group of the President�s Economic Recovery Advisory Board.Before joining the White House, Dr. Piwowar worked as a Principal at the Securities Litigation and Consulting Group (SLCG).� At SLCG, he provided economic consulting to law firms involved in complex securities litigation and technical assistance on market structure, regulatory policy, and risk management issues to domestic and international securities regulators and market participants.Dr. Piwowar�s first tenure at the SEC was in the Office of Economic Analysis (now called the Division of Economic and Risk Analysis) as a visiting academic scholar on leave from Iowa State University and as a senior financial economist.� In those roles, he provided economic analyses and other technical support to the Commission and other SEC Divisions and Offices on a wide range of rulemaking, compliance, and enforcement matters.Dr. Piwowar was an assistant professor of finance at Iowa State University where he focused his research on market microstructure and taught undergraduate and graduate courses in corporate finance and investments.� He published a number of articles in leading academic publications and received several teaching and research awards.Dr. Piwowar received a B.A. in Foreign Service and International Politics from the Pennsylvania State University, an M.B.A. from Georgetown University, and a Ph.D. in Finance from the Pennsylvania State University.

Steven Jay Kantor is a financial advisor employed by First Southwest Company in New York, New York and has over 9 years of experience as a financial professional. Steven is licensed as a Broker-Dealer Registered Representative and is authorized to buy and sell securities on a client's behalf.

Mr. Tomson heads Citi�s strategic public finance coverage in the State of New York and is Co-Head of the Northeast Group.� Mr. Tomson has over 22 years of municipal and project finance experience and he has served as a primary banker on over $40 billion of financings. He has worked with virtually every major New York State and local-level issuer, including the State of New York, the Port Authority of New York and New Jersey, the Empire State Development Corporation, the New York State Housing Finance Agency and the New York State Thruway Authority. He has worked on various landmark project financings including the stadium financings for the New York Mets and the New York Jets. Mr. Tomson received his J.D. from Tulane University and his B.A. from Cornell University.� Additionally, Mr. Tomson serves as the President of the Board of Governors of the Municipal Forum of New York.

Paul currently serves as the Highway Division Administrator for the Oregon Department of Transportation, overseeing the five Regions, Technical Services, Major Projects Branch, and Maintenance/Operations.� His focus is on the long-term development and success of the division, the internal working relationships between various leadership teams and work units.� Prior to starting his current role in 2010, Paul served as the Region 3 Manager, headquartered in Roseburg. There he was responsible for the planning, design, construction, maintenance and operations of state highways and other transportation facilities in a varied geographic area with several large population centers.Paul joined ODOT in 1984 in traffic engineering. Over the years, he has worked in construction, maintenance and project development in Regions 1, 2 and 3, as well as at agency headquarters in Salem. He served as a district manager before becoming the Region 3 manager, and has delivered a variety of special assignments. �In recent years, Paul led the department�s response to the state�s deteriorating bridges by coordinating the Bridge Options Report, which resulted in a legislatively approved $1.3 billion funding package.� He also led the 2007 Project Delivery Review effort.Paul is a licensed Professional Engineer.� He holds a Bachelor�s degree in Civil Engineering from OregonStateUniversity and a Master�s degree in Public Administration from Lewis and ClarkCollege.�

Brian is a Director with RBC Capital Markets and the Manager of the Municipal Transaction Review Group in Minneapolis Minnesota.He joined RBC Capital Markets in 2006 and his responsibilities include managing the firm�s municipal transaction review function which provides a centralized review process for every engagement, transaction and revenue event.�� He is also responsible for ensuring that all regulatory requirements affecting municipal bond issuance are complied with and that the firm�s policies, procedures and controls for municipal securities meet or exceed regulatory requirements.�� He serves as the chair of the firm�s internal municipal credit committee and complex municipal financing committee.�� He also serves as the Secretary of the municipal business review committee that reviews all matters that pose unique or novel financial, reputational or regulatory risk.Brian is an active member of the Municipal Legal Advisory Committee for SIFMA and is a member of NABL and the Minnesota State Bar.�� He began his career as a member of the Texas State Bar where he practiced law from 1989 until 1996 when he moved to Minnesota where he worked as the Senior Fixed Income lawyer for Piper Jaffray from 1996 until 2006.� He maintains FINRA Series 7, 24, 53, 63 and 79 licenses and is a 1989 graduate of the University Of Oklahoma College Of Law.

Angela Trout, a senior associate in the Seattle office, is a member of the Public Finance Department.� Ms. Trout has served as bond counsel and underwriters' counsel in connection with a variety of public finance matters.Before joining the Public Finance Department, Ms. Trout worked in the Seattle office as a law clerk in the Corporate Emerging Companies Group while attending law school.� Prior to attending law school, Ms. Trout worked at Orrick and Perkins Coie LLP.

Professor Dash joined the URI faculty in 1974 with a masters- and PhD-degree in finance and operations research (1978) from the University of Colorado. Professor Dash has published various manuscripts on the topics on nonlinear multiple objective decision making, artificial intelligence and stochastic methods in time series analysis. He has also published two books: Fundamentals of Risk Management: Derivatives, Neuroscience, and Automated Trading; and, Recent Advances in Computational Finance. Along with international invitations to present at research symposiums, he has lectured to graduate students in eight different countries. Professor Dash�s service activities include performing as founder and faculty adviser to the student-directed Quantitative Finance and Neuroscience Club. He remains an active member in major international professional associations.