Banco Popular de Puerto Rico

Ezra Becker is vice president of research and consulting in TransUnion’s financial services business unit. He works cross-functionally in risk management and marketing analytics to develop sophisticated, strategic solutions across the spectrum of the consumer lending business. His expertise lies in consumer credit risk management, acquisition and portfolio management strategy, pricing structures, and consumer profitability and growth dynamics. Becker has published several white papers and journal articles on a wide range of risk management and consumer lending topics, and has participated in industry roundtables and conferences as both an expert panel member and a featured speaker. Becker’s commentary and analyses have been featured in key industry trade publications and national newspapers, and he has appeared widely on national radio and television programs. Prior to joining TransUnion, Becker was a vice president of Decision Management for Citi Commerce Solutions (CCS), the core private label retail credit card division of Citi Cards, where his group focused on the analysis of acquisition and penetration initiatives, segmentation analysis, store-level employee incentive tests, cardholder retention & loyalty programs, and account-level profit analyses. Before working at CCS, Becker was a vice president of corporate credit risk management in the Strategic Risk Analytics group for Washington Mutual Bank, where his team focused on an array of consumer product analytics. Becker began his career in banking as an assistant vice president of corporate credit risk management at First National Bank of Marin, now known as Credit One Bank, where he developed both statistical credit scoring and financial profitability models for use in target marketing, account acquisition and portfolio management.Becker earned B.S. degrees in both chemical engineering and mathematics at the University of Illinois at Urbana-Champaign. He holds an M.S. degree in probability and statistics and an M.B.A. with concentrations in finance and marketing from the University of Illinois at Chicago. He is a member of the American Statistical Association and the Risk Management Association.

Justin Penn focuses his practice in litigation with particular emphasis on professional liability litigation, including consumer litigation and legal malpractice defense. He has also been involved in labor and employment law in both litigation and arbitration practice.Mr. Penn is experienced in many aspects of trial practice, including consumer class action defense for claims under the Fair Debt Collection Practice Act. He has handled hundreds of consumer litigation matters under many statutes, including the FDCPA, the FCRA (and FACTA), the TCPA, TILA, state consumer fraud statutes and the False Claims Act. Mr. Penn has also handled a wide variety of legal malpractice matters, including cases involving an attorney’s liability to non-clients. In addition, Mr. Penn has experience in complex litigation defending hospitals, corporations and religious organizations. He has defended cases in jurisdictions across the country. Mr. Penn joined Hinshaw & Culbertson LLP as a law clerk and became an associate in August 2004. He served as a summer associate with the Chicago law firm of Bollinger, Ruberry & Garvey.During law school, Mr. Penn was a judicial extern for the Honorable Wayne Anderson, United States District Judge for the Northern District of Illinois.Prior to his legal career, Mr. Penn spent three years as a travel director for INTRAV, Inc. in St. Louis, Missouri. Additionally, he worked for NBC Sports in production support for live, televised sporting events around the world, including University of Notre Dame football, the French Open tennis championships and The Championships at Wimbledon. While at Notre Dame, Mr. Penn was on the Dean’s List for six semesters, was a peer tutor and participated in the University’s London Program. Mr. Penn is a co-author of “Attorney Liability to Adversaries and Other Third Parties,” a chapter in “Attorneys’ Legal Liability,” published by the Illinois Institute for Continuing Legal Education (IICLE), November 2007. His presentations include: “New Technology and the Fair Debt Collections Practices Act,” Lorman Education Services, audio conference, February 2012. “The Ethics of Getting Paid,” WestLegalEdcenter, live webcast, March 2010. He is also a frequent speaker on issues such as the 2010 amendments to the Illinois Rules of Professional Conduct, an attorney’s liability to non-clients and the challenges of multi-jurisdictional practice. Mr. Penn has worked as a volunteer at Hospice House in South Bend, Indiana, and was a peer tutor during his undergraduate work at Notre Dame.

Chief Executive Officer, and founder of Telrock in 2002, Russell Robinson brings 15 years of expertise in online and mobile Customer management, and rapidly gained credibility in the collections industry for finding ways of embracing the digital revolution to help lenders collect more, at lower costs. Russell has worked closely with many financial partners such as EnterCard, a Nordic subsidiary of Barclaycard, Lloyds Banking Group, Bank of America, and Bank of Montreal.

Marc Trudeau is a Financial Services Industry Strategist at Acxiom Corporation. In this role, Marc plays a lead business development sales role, helping firms to develop and execute data-driven marketing and customer experience strategies. Prior to joining Acxiom, Marc was a Sr. Director of Sales and Account Management at comScore Inc., assisting banks, credit card issuers and investment services companies with optimizing the performance of their online and mobile channels. Previously, Marc was practice manager of the Council on Financial Competition, the retail financial services practice at the Corporate Executive Board. In addition to P&L responsibility, including sales, marketing and client strategy, he authored numerous strategic research studies on key industry challenges, including: branch strategy; sales force effectiveness; customer segmentation; and customer experience. Additionally, Marc worked as a credit card risk and marketing manager at Capital One and as a strategy consultant in the telecommunications industry. Marc holds undergraduate degrees in Economics and Political Science from the University of Ottawa in Canada. He received a Masters Degree in Economics and an MBA from the Richard Ivey School of Business at the University of Western Ontario. 

Timothy W. Willi joined Wells Fargo Securities in March 2009 as a managing director and Senior Analyst in the Equity Research department. Tim�s coverage universe includes theTransaction Processing and Financial Technology sectors. Tim, a 15-year Wall Street veteran, joined Wells Fargo from Avondale Partners where as a managing director he led that firm�s transaction processing and financial technology research effort. Prior to covering transaction processing at Avondale, Tim was with A.G. Edwards for fourteen years where he was a senior analyst and group practice leader for the firm�s IT & business services research effort. He also spent seven years covering the banking and credit card industries. Tim regularly speaks at industry conferences and events. He earned his BS from Bradley University and has been recognized as a Wall Street Journal All-Star for outstanding stock picking.