Banco Popular de Puerto Rico

Patrick Toner is CEO of Customer Benefits Analytics, a New Providence, N.J.-based firm that connects employees to the right benefits by using advanced analytics modeling of consumer-level data to provide rich customer insights and in-depth targeting. CBA’s prescriptive analytics optimize participation rates and premiums from benefits enrollment. Its user-­friendly dashboards put customized, data-based recommendations at the fingertips of marketing, enrollment and sales professionals. Prior to founding CBA, Toner spent 12 years of in employee benefits marketing, enrollment strategy and e-business roles at Cigna and MetLife.

Billy House is a reporter with Bloomberg.

Lisa Stevens, a 27-year company veteran, is an executive vice president and holds leadership positions across the country for Wells Fargo. Stevens is president for Pacific Midwest, which includes the states of California, Oregon, Washington, Alaska and 17 states throughout the Midwest and Rocky Mountains. In addition, she oversees Regional Marketing nationally for Regional Banking. She also is the head of Small Business Banking, which provides a full range of financial services to 3 million business customers with annual revenues up to $5 million.Within Pacific Midwest Regional Banking, Stevens has responsibility for nearly 2,150 banking stores, 5,500 ATMs and more than 34,000 team members who serve consumers and small businesses.A California native, Stevens began her career with Wells Fargo in 1989. Prior to assuming her current leadership posts, she was president of California Regional Banking.Long devoted to the communities she serves, Stevens is active in the nonprofit community. She serves on the boards of several nonprofit organizations, including the Executive Committee of the California Business Roundtable, California Business for Education Excellence, Children’s Hospital Los Angeles, Arizona State University’s Global Institute of Sustainability, Board of Regents for Santa Clara University and the Advisory Committee for The Shriver Report.� She also served on the Board of the California Chamber of Commerce, San Francisco Opera, National Boys and Girls Club of America, The Center on Philanthropy and Public Policy and the board of The Partnership for Los Angeles Schools.Stevens earned a bachelor’s degree in political science with a minor in economics, philosophy and communications from Santa Clara University.

Sean Wilkins, Director of Strategy at Acxiom. Sean leads Acxiom Impact’s strategy practice, working in partnership with our analytics and creative teams to define and deliver successful cross-channel strategies to our clients. He helps companies tell compelling brand stories and translate them across the full marketing ecosystem to drive higher user acquisition, retention and referrals. His past experience includes being an acquisition-branding consultant for Irreverent.ly and he is a branding and digital marketing guest lecturer at NYU Stern School of Business.�

Al Ripley�is director of consumer and housing affairs for the North Carolina Justice Center.

Mark advises clients with regard to regulatory and enforcement matters. He also assists banks with a wide variety of risk management issues, including enterprise risk management, governance, credit, capital, and liquidity. He draws on expertise developed during 33 years as a bank supervisor with the Federal Deposit Insurance Corp.Mark joined Promontory after a distinguished 33-year career in bank supervision with the Federal Deposit Insurance Corp. He served as the regional director of the FDIC’s Atlanta Region, overseeing bank supervision matters in seven states. He previously was associate director at the FDIC’s Washington office, overseeing bank supervision policy development and implementation. During his tenure at the FDIC, he represented the agency in various Basel committee matters, most recently focusing on operational risk. Mark also served on a special assignment with the International Monetary Fund, advising bank supervisors in a number of Eastern European countries.

Shamir Karkal is a co-founder of Simple, which was acquired by BBVA Compass in 2014. He is currently head of open APIs for BBVA.

Carl Rutstein is a partner with A.T.�Kearney in the Financial Institutions Practice. With extensive experience in financial services and consulting, he is an expert in credit cards, payment network economics, retail banking product development, retail banking channel management, and merchant acquiring and processing. His focus is on banking and payments. Carl is based in A.T.�Kearney’s Chicago office.�Notable client engagements include:�Credit card portfolio renegotiations and card portfolio acquisitions for top-10 banksMerchant acquiring strategy and joint venture creation for several leading banksPrograms to help large banks grow their demand deposit account customers and balances and card receivablesCo-branded airline credit card programs for two major banksRedesign of checking account products to recapture lost revenue and encourage cross-selling for a top-five bankStrategy projects for leading players across the payments value chainNew core banking system and redesign of checking account products for a leading bankPayment and card strategy for several large US banksCross-selling and digital strategies for a large card issuerEmerging payments projects for large payment companies and top 20 banks�Before joining A.T.�Kearney, Carl was president of The Kessler Group and a senior partner and managing director for The Boston Consulting Group. He also worked in investment banking at Salomon Brothers and served as an advisor to CEOs at several banks and payment companies. He was the first CEO of online travel company Orbitz. Carl earned his bachelor’s degree in economics from the University of Pennsylvania Wharton School and his MBA in analytical finance from the University of Chicago.�Key Areas of ExpertiseFinancial Institutions