Banco Popular de Puerto Rico

Greg Douglass is senior managing director at Accenture Strategy.

Lauren Ruef is a research analyst for Nvoicepay.

David Shipley is an executive editor at Bloomberg View.

Engin Kirda is professor of computer science at Northeastern University.

Adam is a broker sales executive for freshbenies where he strategizes with brokers and employers daily about how to take the headache out of healthcare. He can be reached at adam@freshbenies.com.

Jennifer Neilsson is a partner in the Employee Benefits & Executive Compensation Department of Seyfarth Shaw LLP's Chicago office.

Linda Haynes is a partner practicing in the Employee Benefits and Executive Compensation Department of Seyfarth Shaw LLP'.

A corporate lawyer and consultant by training, Kate Magaram is a financial services strategist for asset managers and independent RIA channels. Follow her on Twitter at @KateMagaram

Patrick Bermingham is CEO of Adflex.

Patrick Cicero is the executive director of the Pennsylvania Utility Law Project, a legal aid office that works to help low- and moderate-income households secure access to affordable utility service.