Banco Popular de Puerto Rico

Eric Larson is senior director of Creating IT Futures' signature initiative, IT Futures Labs, which develops innovative non-profit programs to help women, ethnic minorities, and unemployed or under-employed individuals obtain careers in the IT sector.

Todd Cipperman is managing principal of Cipperman Compliance Services, a firm that offers a third-party perspective on regulatory compliance.

Dave Martin is vice president of Verifyle, a provider of secure messaging and file sharing solutions.

Harvard Winters previously worked as an investment banker covering financial services companies. He currently writes the Winters Report, an independent equity research publication on U.S. banks. He does not hold investment positions in the banks mentioned in this article.

Christopher Kukla is an executive vice president with the Center for Responsible Lending. He can be reached at chris.kukla@responsiblelending.org.

Charles J. Pendola, CPA, ESQ, FHFMA, FACHE, CMC, CFE, CFF, CGMA, is director of Graduate Management Studies Programs at St. Joseph's College in Patchogue, N.Y.

Pen Pendleton is co-founder and partner of CLP Strategies, a communications consultancy specializing in corporate and financial issues management.

Shanna Laughton, CPA, CA, is the manager of global tax and payroll at Halogen Software. She has over 15 years of experience in public accounting, and providing tax and payroll solutions to organization across various industries. At Halogen, Shanna’s team is responsible for local and international payroll and tax functions.

Melinda Crump works in media relations at the financial information company Sageworks.