Banco Popular de Puerto Rico

Ronald Winters is a Managing Director with Alvarez & Marsal Healthcare Industry Group in New York. He specializes in advising companies and stakeholders in financial and operational turnarounds and restructurings. He has additionally had significant experience in retiree benefits and labor relations. With more than 25 years of experience as a restructuring and financial professional, Mr. Winters has participated in a broad range of cases in bankruptcy proceedings and out-of-court. In addition to healthcare, he has been involved in assignments across various other industries.

Steven Koch is the deputy mayor of Chicago. He officially took the position on September 4, 2012. His responsibilities include oversight of the Mayor's Economic Council, as well as focuses on job creation and retention, budget issues, municipal finance and revenue, and economic development throughout Chicago.Prior, Koch spent 27 years at Credit Suisse. During his tenure at CS, he both ran and was the Chairman of the global Mergers and Acquisitions business. In his distinguished career, Steve has advised on landmark transactions across a broad range of industries that together comprise more than $1 trillion worth of transactions.Koch has also long had a deep interest in service to the larger community. Among other community involvement, he served as Chairman of the Board of both the Sinai Health System of Chicago and the Greater Chicago Food Depository; Co-Chairman of the Green Ribbon Committee on Sustainability and Climate Change of Chicago; and as a life trustee of the Francis Parker School. He helped develop and taught in the Director's Consortium, a seminar sponsored by Dartmouth, the University of Chicago and Stanford Business Schools that trains corporate directors and served as a Presidential appointee to the Independent Advisory Panel of the Recovery Accountability and Transparency Board.Koch received his B.A. from Hampshire College, his M.B.A. from the University of Chicago Booth School of Business and his J.D., cum laude, from the University of Chicago Law School. He was a Henry Luce Scholar and served as a law clerk to Judge Richard Cudahy of the U.S. Court of Appeals for the Seventh Circuit in Chicago.

Thilo is a Senior Vice President at Meridiam, responsible for project development in North America. Prior to joining Meridiam in October 2013, Thilo was the head of Bilfinger Project Investments� Development Team in North America, where he was responsible for business development and pursuits of P3 projects within the North American marketplace. He has extensive experience with availability type P3 projects and has led consortia for projects in several Canadian provinces and U.S. states, totaling a committed finance volume of over $5 billion. Thilo played an active role in securing Bilfinger�s first P3 project in the United States, the East End Crossing Project in Indiana, and was also instrumental in the company�s efforts to enter new sectors.Prior to coming to North America in early 2007, Thilo worked on transportation and social building P3 projects in Continental Europe and Australia, where his role included project finance structuring, project management and coordination with all stakeholders for the successful tendering and closing of major infrastructure projects. He was involved in several successful projects, such as Royal Women�s Hospital in Australia, M6 Motorway in Hungary and E18 Motorway in Norway.Thilo holds an engineering degree and a Ph.D. from the Technical University in Brunswick, Germany.

Roger Driskell is the Director of the Office of Planning and Programming.� He is responsible for the Department’s strategic capital planning process which results in the development and monitoring of short and long range aviation, highway, public transit, rail, freight, public, and waterway transportation plans and programs to accomplish state transportation objectives.� This position also oversees the review, investigation, and implementation of alternative contracting methods, including Public-Private Partnerships and Design-Build.Mr. Driskell began his employment with IDOT in 1985 working primarily in Construction as a Resident Engineer and Supervising Field Engineer; in Design as a Squad Leader, Project Engineer, and as the Policy Engineer responsible for the Department’s Design Manual Specifications and Standards and was then promoted to the Central Bureau Chief of Construction.� Prior to becoming the Director of the Office of Planning and Programming, Mr.�Driskell was the Deputy Director of Highways, Region Four Engineer covering Districts Six and Seven.Roger is a graduate of Southern Illinois University at Edwardsville with a Bachelor of Science Degree in Engineering and he is a Licensed Professional Engineer in Illinois.

Jeremy Fine is the Deputy Comptroller for the City of Chicago�s debt management and investment banking relations. He has been with the City for 10 years and oversees a $20 billion fixed and floating rate debt portfolio of various credits; including general obligation, water, wastewater, O�Hare & Midway airports, motor fuel tax, sales tax, housing and TIF. Mr. Fine also administers the City�s $3 billion interest rate swap and option portfolios, $1 billion commercial paper programs across three credits as well as the $3.5 billion bank facility portfolio that includes letters of credits and direct purchase agreements. He has been a guest speaker at a number of industry conferences, university seminars and investor forums on various debt management topics.Before joining the City of Chicago, Mr. Fine was a Public Finance Officer at ABN AMRO / LaSalle Bank Capital Markets. While there, he was involved in underwriting bonds for various municipal credits throughout the Midwest.Mr. Fine is a graduate of the United States Military Academy at West Point and received an MBA from the Mendoza College of Business at the University of Notre Dame.

Carol Polumbo, the firm's managing partner in its Austin office, joined the firm in September 1990 and became a partner in January 1993. Carol received her BA degree from The University of Texas at Austin, her MA, summa cum laude, from The University of Texas at Tyler and her law degree, summa cum laude, from South Texas College of Law in Houston where she graduated first in her class, served as Executive Editor of the Law Review and was awarded the Alumni Association Award for the best article submitted to the Law Review and the E. E. Townes Memorial Award for the best article in the area of constitutional law. Carol has practiced law in the area of public finance since 1985. Prior to joining the firm, Carol served as Assistant Chief of the Public Finance Section of the Texas Attorney General's Office. During her three-year tenure in the Attorney General's Office Carol was responsible for reviewing and approving all types of governmental obligations issued in the State as well as serving as counsel for several state agencies responsible for issuing bonds. Prior to her tenure in the Attorney General's Office, Carol was employed as an associate attorney, specializing in the area of public finance, with a major Houston law firm. Carol has served as bond counsel to various types of governmental entities. Carol serves as lead attorney in connection with the firm's representation of the Texas Department of Transportation, Texas State University System, Williamson County, and the Cities of Bastrop, Cedar Park, Georgetown, Killeen, Round Rock, San Marcos and Temple. Carol also serves as bond counsel in connection with over seventy special development districts in the Central Texas area including road districts, water districts, regional authorities and management districts.

Bryan Baebler is Head of Capital Markets, responsible for primary and secondary markets business. He joined BAM in April 2013 from Barclays, where he was a Vice President on the Municipal Primary Syndicate Desk for three years. Prior to that, he was a Short-Term Municipal Securities Trader at Barclays/Lehman Brothers and before that a Municipal Securities Trader in the Fixed Income Group at Vanguard Group. Bryan earned his B.S. in Applied Economics and Management at Cornell University in Ithaca, NY.

Dr. Lacy H. Hunt, an internationally known economist, is Executive Vice President of Hoisington Investment Management Company, a firm that manages over $5 billion for pension funds, endowments, insurance companies and others.Lacy Hunt is the author of two books, and numerous articles in leading magazines, periodicals and scholarly journals.� Included among the publishers of his articles are. Barron�s, The Wall Street Journal, The New York Times, The Christian Science Monitor, the Journal of Finance, the Financial Analysts Journal and the Journal of Portfolio Management.Previously, he was Chief U.S. Economist for the HSBC Group, one of the world�s largest banks, Executive Vice President and Chief Economist at Fidelity Bank and Vice President for Monetary Economics at Chase Econometrics Associates, Inc.� A native of Texas, Dr. Hunt has served as Senior Economist for the Federal Reserve Bank of Dallas.�He earned his BA from Sewanee: the University of the South (1964), his MBA from the Wharton School of the University of Pennsylvania (1966), and his Ph.D. in Economics from the Fox School of Business and Management of Temple University (1969).� In 2013, Sewanee awarded him the Honorary Doctorate of Civil Laws.Dr. Hunt served on the Board of Trustees of Temple University from 1987 to 2010 and is now an honorary life trustee. He received the Abramson Award from the National Association for Business Economics for �outstanding contributions in the field of business economics.� He is a life member of the American Finance Association.� He was a member of the Economic Advisory Board of the American Bankers Association and Chairman of the Economic Advisory Board of the Pennsylvania Bankers Association.� He served on the Monetary and Fiscal Policy Affairs Committee of the National Chamber of Commerce.

Karl is a member of the Municipal Enterprise Group and has analytical responsibility for healthcare, higher education, and charter school credits throughout the United States, while acting as one of the primary analytical contacts for the southwest region. Before joining Standard & Poor�s in 2007, Karl was a Vice President with Allied Irish Banks for several years with responsibility for establishing business relationships to the healthcare, education, and not-for-profit sectors with a regional focus on the southwest, particularly in Texas, Oklahoma, and Arkansas. In addition to business development, Karl was responsible for portfolio oversight and underwriting for accounts under his regional management. Prior to his tenure with Allied Irish Banks, Karl held healthcare banking positions at Comerica Bank, and Rabobank International, as well as business development positions with the Dallas office of Ernst and Young. Karl holds an MBA from Southern Methodist University and a Bachelor of Science from Texas A&M University