Banco Popular de Puerto Rico

Sami Akbay is the director of product marketing for Embarcadero Technologies. He has more than 12 years of experience in systems and data integration, product development and marketing across the software, financial services and consulting industries. Akbay held numerous consulting and technical positions at AltoWeb, Thaumaturgix, Rabobank Nederlands, Hearst New Media, MediaMetrix and American Stock Exchange. Akbay may be reached via e-mail at akbay@embarcadero.com.

Mary Nugent is the vice president and general manager of Services Management Solutions for BMC Software Inc., a leader in enterprise management. Nugent's focus is on service-enabling BMC Software's enterprise management technology and packaging it with innovative pricing and marketing solutions. Nugent has been with BMC Software for more than seven years and her responsibilities include setting corporate strategies in the emerging e-business market, focusing on the application service provider market and managing minority investments for BMC Software in the e-business sector. You can contact her at Mary_Nugent@bmc.com.

Mark Becker is a senior security consultant with BT Syntegra, a $1 billion division of British Telecommunications (BT) that is helping financial services firms achieve compliance with GLBA, Sarbanes-Oxley and the Patriot Act. For more information, visit www.btsyntegra.com.

Brian Glantz is a financial services industry consultant for BT Syntegra, a $1billion division of British Telecommunications (BT) that is helping financial services firms achieve compliance with GLBA, Sarbanes-Oxley and the Patriot Act. For more information, visit www.btsyntegra.com.

Anand Bondre is a senior data warehouse consultant with Rapidigm, a consulting firm specialized in information management and strategic implementation of business intelligence solutions. He has more than 12 years of IT industry experience mainly on SAP applications. His recent certified specialization is in the comprehensive execution of business intelligence and analytical solutions of SAP. Bondre can be reached at abondre@rapidigm.com.

Martin Stein, D.Sc., is an experienced management consultant with extensive expertise as an economist for the public and private sector. Stein has specialized in strategic implementation, quantitative analysis for decision making and has consulted with companies such as General Motors, General Electric and United Technologies on a global basis. You can reach him at martin.stein@comcast.net.

Thomas Malone, president and chief executive officer, joined SRC Software in June 2002. With more than 23 years of high-level experience in software, computer services and telecommunications industries, Malone provides the strategic leadership and direction to guide SRC Software through its next stage of growth. You can contact him at info@srcsoftware.com.

N. Ramasubramani  (Ram) is regional director of Loyalty Marketing with SurfGold, a leader in loyalty marketing solutions. He is responsible for strategic planning for the organization across the region. Ram has more than 20 years of brand building direct marketing and relationship marketing experience. You can reach him at ram_n@surfgold.com .

Jeff McGrath has more than eight years of product and business management experience in the high tech industry. McGrath's background spans assignments in product management, marketing communications and business development. At Symark, McGrath is responsible for identifying new product opportunities while also managing in-market products. You can reach him at jmcgrath@symark.com.

John Stone is a managing consultant with PA Consulting Group in Cambridge, Massachusetts, where he advises clienst across a range of industries on planning and implementing e-business and information management solutions. He can be reached at john.stone@paconsulting.com. PA�s Ian Roberts and Stephen Kerr also contributed to the writing and research.