Banco Popular de Puerto Rico

Elizabeth has extensive experience in managed care arrangements, state and federal healthcare initiatives, and healthcare regulatory matters, representing hospitals, physicians, and other healthcare providers and provider networks, health plans, insurance carriers, pharmacies, drug manufacturers, and employers. Elizabeth’s practice focuses on the following areas influencing the healthcare industry: federal reform, managed care transactions and disputes; reimbursement under commercial and governmental programs; legislative and rulemaking initiatives; licensure and certification by the Texas Department of Insurance; third party reimbursement matters; workers’ compensation reform legislation and rulemaking; health research; discount policies; federal and state law privacy issues; governmental contracting and compliance issues; participation in the managed Medicare and Medicaid programs, including STAR and STAR+PLUS, the Texas Vendor Drug Program and Medicare Part D; regulation and reimbursement of drugs and medical devices; regulation of health plans, insurance, and workers’ compensation carriers; regulation and compliance of integrated delivery systems, including academic medical centers; and state and federal regulatory filings including certification and licensure of health plans and providers. Elizabeth devotes a substantial portion of her practice representing clients in healthcare legislative and regulatory initiatives and analyzing emerging state and federal health law issues, which currently include the American Recovery and Reinvestment Act of 2009 (“ARRA”) including federal stimulus funding, state and federal health and payment reform, HIPAA, health information technology (HIT) issues, and the Patient Safety and Quality Improvement Act. Elizabeth is a frequent speaker and panelist at various continuing education and professional development programs for the healthcare industry.Elizabeth received her B.A. with high honors and J.D. with honors from The University of Texas and is a member of Phi Beta Kappa. She currently serves as Vice Chair of the Health Law Council of the State Bar of Texas.

Mark Zandi is chief economist of Moody's Analytics, where he directs research and consulting. His research interests include macroeconomics, financial markets and public policy. A trusted adviser to policymakers and an influential source of economic analysis for businesses, journalists and the public, he has frequently testified before Congress on topics including the economic outlook, the merits of fiscal stimulus, financial regulatory reform and foreclosure mitigation.

John Buckley, who has served as chief Democratic tax counsel for the Ways and Means Committee since 1995, has spent nearly four decades on the Hill participating in the development of federal tax legislation. He began his career as associate counsel in the Office of the House Legislative Counsel, after earning his J.D. from the University of Wisconsin Law School in 1973. He would go on to participate in the crafting of all major tax legislation enacted after 1974.In 1994, he briefly served as chief of staff of the Joint Committee on Taxation before moving into his present position.Buckley served as an adjunct professor at the Law Center from 1995 to 2005, teaching a seminar on recent tax legislative developments with U.S. Tax Court Chief Judge John O. Colvin. He has published articles on general tax policy, individual tax issues, international tax issues, estate and gift taxes, and more. His appearances have included the Woodworth Lecture before the Tax Section of the American Bar Association on “Tax Changes Since Woodworth's Time: Implications for Future Tax Reform.”He did undergraduate work at the University of Notre Dame, majoring in finance.

Paul Rosenstiel was a public finance banker in California for 30 years, retiring from Stifel in 2015. From 2007-2009, he was Deputy Treasurer of the State of California.� Since 2011, he’s served as a board member of the California State Teachers’ Retirement System (CalSTRS). His other activities include chair of the board of the California Budget and Policy Center, Advisory Board member of the Global Projects Center at Stanford, and member of the Statewide Leadership Council of the Public Policy Institute of California.� In 2005 and 2006, he served as Policy Director for Steve Westly’s gubernatorial campaign.

Geoff Urbina, a 16-year public finance veteran who has assisted in the structuring and placement of $42 billion of primary market municipal offerings as lead banker. In the last twelve months, Mr. Urbina has assisted various governmental entities on over $4.0 billion in municipal bond transactions, of which $700 million were on a senior managed basis. These transactions included tax backed, solid waste, water system revenue bonds, land-secured financings as well as short-term notes.

Anne is Managing Director and Chief Credit Officer for Public Finance, responsible for Moody�s U.S. public finance and sub-sovereign ratings. Anne is a voting member of the Credit Policy Committee and chairs the Public Sector Credit Committee. She has helped developed many rating methodologies, including for U.S. state and local governments, health care, higher education, housing and municipal supported products. Prior to her role as credit officer, Anne was a Vice President in Morgan Stanley�s Transportation Banking team from 2006 to 2009 where she worked on 30 senior managed financings totaling over $10 billion for some of the largest airports, ports and toll road issuers in the U.S. Prior to joining Morgan Stanley, Anne spent 8 years at Moody�s as an analyst in a variety of public finance rating teams, most recently as a Vice President and Senior Analyst in the State and Infrastructure Finance ratings teams. Anne received her B.A. in International Affairs from The George Washington University and her Master of Public Administration from Columbia University.