Banco Popular de Puerto Rico

Eric Carlson is the Group Vice President and oversees both Real Estate Collections and the Recovery Division Operation for SunTrust Mortgage and SunTrust Bank.He is responsible for controlling delinquency in the Mortgage Portfolio, supporting the Loss Mitigation pipeline flow and mitigating losses on consumer real estate based loans such as HELOC and Home Equity Loans. As the head of the Recovery Division, Eric is responsible for integrating strategies and implementing processes to reduce losses on all loans within SunTrust. Eric also serves on the Varolii Corporation Board of Advisers. Eric joined SunTrust in April of 2008, coming from Wells Fargo Home Mortgage, where he led collection operations for 6 years. He started working in corporate collections as collector for Fingerhut Corporation in 1993, and worked as a corporate trainer, supervisor and A/R Analyst through 2002. Eric is a native of Minnesota and received his Bachelors of Science degree in Education from St. Cloud State University.

With more than 18 years of client advisory services experience, Sarah has in-depth expertise across strategic, operational, analytical, and partnership formation engagements.  As a Principal of First Annapolis, she leads the Firm’s Loyalty Support practice area.  Her areas of expertise include program strategy in addition to supporting technology and financial analysis. Her clients include financial institutions, travel organizations and retailers.She has managed project teams across a wide and diverse range of initiatives. For financial institutions, she has assisted in the formulation of the overall strategic vision for enterprise-wide rewards, providing support in all phases of program development – from initial assessment through implementation.  She has worked with retailers and travel organizations preparing business case analysis on both new programs and reinvigoration of legacy programs.  Her engagements also include working with service providers seeking to assess alternative market opportunities and developing fresh strategies for maximization of capital return. Sarah has been an expert speaker at numerous conferences including Loyalty Expo and Cards & Payment Loyalty and has been published in the American Banker, Cards and Payments, Loyalty Management, the First Annapolis Navigator and Transaction World.Sarah received her M.B.A. in finance from the Robert H. Smith School of Business at the University of Maryland. Before joining First Annapolis, Sarah worked in the corporate practice area of Dow, Lohnes & Albertson, PLLC.

Joe Salesky is CEO of CRMNEXT, the largest global provider of CRM in financial services, where he is responsible for the company’s entry into the U.S. market. A seasoned expert in software and financial services, Joe has spent more than 25 years developing and delivering disruptive technology-enabled solutions. He holds 21 patents on technologies currently used by both consumers and large enterprises, including mobile banking and the original patent for web-conferencing. A luminary in his space, Joe has deployed mission critical systems at more than half of the Fortune 500 companies and is a respected speaker at industry and media events. He has been quoted in leading national, international and industry publications and has led his companies to achieving numerous prestigious awards.

In his role as Senior Vice President and Chief Insights Officer at Mintel Comperemedia, Andrew provides insights to clients around key trends and industry marketing activity. Andrew has 19+ years of financial services research experience and is passionate about helping financial services companies understand and react to an ever-changing competitive environment.�Andrew is a regular speaker at high profile industry events including conferences in the U.S., Canada, Australia, New Zealand, Hong Kong and Taiwan. He has been interviewed on Fox Business News and is frequently quoted in key business publications including the Wall Street Journal, American Banker, Forbes and USA Today. Prior to Mintel, Andrew was Vice President of Competitive Tracking Services for Synovate where he was responsible for Mail Monitor, a service tracking trends in credit card acquisition mail, card ownership, attitudes and behavior. His research experience includes both syndicated and custom projects as well as domestic and international assignments. He has also worked at GfK NOP and IPSOS in the UK. Andrew has a BA (Honors) in Business Studies, specializing in Marketing, from London Metropolitan University.�