Banco Popular de Puerto Rico

Banco Popular de Puerto Rico is a full-service financial services provider with operations in Puerto Rico, the United States and Virgin Islands. Popular, Inc. is the largest banking institution by both assets and deposits in Puerto Rico, and in the United States Popular, Inc.

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Timothy K. Hawes

Timothy Hawes is currently employed by IBM designing intelligence solutions for governments worldwide.
Keith B. Hermiz

Dr. Hermiz is the manager of Knowledge Discovery Consulting Services and Support in IBM's Global Business Intelligence Solutions division. He has more than two decades of experience in information technology and analytic methods including data warehousing, on-line analytical processing, decision support systems, statistical analysis, operations research and data mining. He may be reached at khermiz@us.ibm.com.
Lynn Tenney
William E. Murray Jr.

Dr. William E. Murray Jr. is the manager of Risk Audit.
Kenneth Lowry

Kenneth Lowry, vice president of State Street Bank.
Melony Tessnear

Melony Tessnear, real estate coordinator for Meineke Discount Muffler Shops.
Bill Redmond

Bill Redmond, national director of Fraud Management for Sears Credit.
Herb Edelstein

Herb Edelstein is an internationally recognized expert in data mining, data warehousing and CRM, consulting to both computer vendors and users. A popular speaker and teacher, he is also a co-founder of The Data Warehousing Institute. He can be reached at feedback@twocrows.com.
Alan Gravett

Alan Gravett is a database and market analysis manager for Liverpool Victoria Friendly Society.
James Wallace

James Wallace, director of Customer Service Systems for E*TRADE.

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