Banco Popular de Puerto Rico

Geoff Iddison is group executive, e-Commerce. In this capacity, he is responsible for providing overall strategic leadership for global electronic commerce that support all lines of business and for expanding MasterCard’s presence and capabilities in this rapidly evolving and increasingly important channel. He leads the evaluation of consumer and competitive trends in these areas; formulates strategies to anticipate and address new opportunities; and, ensures that MasterCard is positioned to prevent or thwart disintermediation plays from both traditional and emerging forces. Before joining MasterCard, Mr. Iddison was the chief executive officer of Jagex, an online gaming company whose founders created “Runescape,” one of the largest and most popular online pay-to-play games. His prior role was chief executive officer of PayPal Europe, where he took the business into new vertical sectors, such as mobile payments and VoIP. Previously, he held the simultaneous roles of chief executive officer of Butterfields, one of the largest auction houses in the U.S., and vice president/general manager of eBay High-end Business. While at eBay, Mr. Iddison led the design and development of the unique eBay Live Auctions software where offline businesses are integrated into eBay’s online sales formats. Mr. Iddison's background includes additional experience in the auction world as chief operating officer of Christie’s Inc., based in New York, and a similar position with Sotheby’s, based in London. He was founding partner of IPS Ltd, a business specializing in the design and development/supply of tailored systems based on open platform technologies for the publishing industry. His Bachelor of Science degree is from the University of East Anglia and is in Physics and Electronics.

Katherine Yee has over 25 years of banking experience in the areas of financial reporting, retail bank finance, electronic banking, and debit and prepaid card product management and new product development at Crocker National Bank, Bank of America and Wells Fargo. She currently manages the prepaid business for Wells Fargo Bank.� Products include gift, general purpose reloadable, payroll and government.� Prior to running the prepaid business, managed the marketing and product development for the debit card consumer and business portfolios. Yee holds B.S. from the University of Santa Clara and an M.B.A. from the University of San Francisco.

Prior to joining WesBanco Bank Inc. in July 2010 as the Vice President of Collections, Mr. Doyle was the Collections Manager for Buchanan Ingersoll and Rooney, PC., an AM Law Top 100 firm in the United States, from April 2007 until July 2010. He and his department were responsible for the collection of approximately $250 million in annual fee revenue. By creating a team atmosphere within his department of (6) direct reports, executive management, and the (400+) lawyers, as well as integrating IT solutions with vendor relationships, he created efficiencies that achieved between 90 and 95 % of annual cash budget, reduced bad debt write offs by 50 %, and increased recoveries by 25 %. Upon his departure in July 2010 the firm was $ 4.2 million ahead of cash budget which is the largest increase of cash flow to budget for the firm since 2005. During the period of February 2006 through April 2007, Mr. Doyle had taken an interim position as the Program Director for Business Administration at Sanford Brown Institute (formerly the Western School of Health and Business Careers). He was responsible to educate, mentor, and assist with career placement for students enrolled to earn their Associate Degree. While he was at Western, the business program improved to a 93 % retention / graduation rate. From March 1999 through August 2005, he achieved the level of Senior Vice President for GLS Capital Services, Inc. (�GLS�), which is a wholly owned subsidiary of Dynex Capital Inc. (NYSE: DX), which at the time held $ 1.2 billion in assets. During his tenure at GLS he was responsible for all voluntary (pre-foreclosure) and involuntary (foreclosure) collection activities relating to the Allegheny County (Pittsburgh, PA) and Cuyahoga County (Cleveland, OH) tax lien portfolios. GLS collected over $ 60 million from its tax lien portfolio operations which were valued at nearly $200 million. As the SVP he coordinated the implementation of GLS� collection policy and procedure as well as the training, recruitment, and development of the collection and legal staff. In addition, he was instrumental in the development of GLS� proprietary business system, Tax Lien Servicing (TLS). Other duties include, but were not limited to, strategic planning, P/L, and oversight of operations. The staffing level, at the peak of operations, totaled 39 direct reports. Included in the staff were (2) Vice Presidents and (4) junior managers. Preceding GLS, Mr. Doyle served from May 1995 to March 1999 as the Credit Manager for Bruceton Farm Service Inc. (�BFS�). During that time BFS was made up of (4) wholly owned subsidiaries, which included (14) plant and (23) store location in the quad state region of Pennsylvania, Ohio, West Virginia, and Maryland. He was solely responsible for policy and procedures in the collection and underwriting of both individual and commercial accounts translating into $ 22 million dollars of annual credit sales. At the beginning of his tenure the company had approximately 26 % of its receivable aged beyond 90 days delinquent. Upon leaving BFS in March 1999, only 3 % were aged beyond 90 days delinquent, with very little being written off as uncollectible. Subsequent to BFS, he was a front line collector for Kaufmann�s Department stores, a subsidiary of the May Co., from February 1992 to September 1992, after exceeding performance goals as a collector he was promoted to Supervisor of Customer Service in September 1992 until his departure in May 1995. He was responsible for a staff of (9) direct reports that coordinated the resolution of customer inquires/complaints regarding both furniture and general merchandise purchases for (40) branch stores. A graduate of the West Virginia University, Mr. Doyle earned his B.S.B.A. � Finance degree in August of 1989. He completed his M.B.A. from Waynesburg College in December of 2002.

Kelli Jones is Senior Business Leader, IPS Major Implementations for MasterCard Worldwide. �She is responsible for leading large, complex conversions and start-ups on the Integrated Processing Solutions (IPS) platform that was launched in 2008 at MasterCard. � Ms. Jones has more than 18 years of payment industry experience; primarily in implementations of debit, prepaid and ATM cards. �Prior to joining MasterCard in June 2009, Ms. Jones was at First Data, where she held positions of increased responsibility including Director, Client Implementations and Support. � Ms. Jones graduated from Creighton University in Omaha, NE with a degree in Organizational Communication.

Jon Rosner is Vice President, Product Development at American Express. In this role Mr. Rosner is responsible for product and capability development for the US Payment Options business including the creation of Bluebird, a debit and checking alternative in partnership with Walmart. Prior to assuming this position, Mr. Rosner held a variety of roles of increasing responsibility at American Express in marketing, strategy, finance and business development in Strategic Planning, Merchant Services, International Consumer Card and Travelers Cheques.�� Mr. Rosner earned a BS from Wharton and an MBA from NYU.

Mychal D. Kempt was named vice president of North American sales and service operations for Diebold, Incorporated in January 2010. He is responsible for leading the North American sales operation in the regional bank and national account segments, as well as the North American services operation, consisting of integrated services, maintenance services, software services and the implementation systems teams. His focus is on profitably growing this business through improved organizational alignment, superior customer satisfaction and leveraging business process improvements across the 5,500 associates in all U.S. channels.During his career, Kempt has held numerous sales and service management roles in our regional and national account segments. His previous role as vice president of national accounts included leading the account teams for major customers including Wells Fargo Bank, U.S. Bank, JPMorgan Chase, PNC and others.Prior to leading our national account group, Kempt served as general manager of the Pacific region where he successfully integrated a strategic acquisition and established a market leading presence in four years. Kempt joined Diebold in 1994 as a regional account manager, specializing in high-end security solutions.�Kempt is a native of Beaverton, Ore. He holds a bachelor�s of science in sport management from Montana State University. Kempt has also completed a number of executive leadership programs including Indiana University Leadership Development, Case Western Leadership Development and University of Michigan Sales Management.

Michelle Shaffer, CPA has been a forward thinker in regulatory compliance initiatives for more than 15 years. Her experience working for Big 4 accounting firms (KPMG, Ernst & Young and Arthur Andersen), implementing Sarbanes-Oxley regulations for public traded companies, as well as her expertise addressing audit and compliance issues specific to the consumer debt collection industry, bring a comprehensive approach to compliance challenges and ROI-building solutions. Ms. Shaffer was a charter member of NARCA�s Client Quality Standardization Committee. After serving as the Director of Financial Compliance at Encore Capital Group, also known as Midland Credit Management, Ms. Shaffer opened her own compliance consultancy, CARMA LLC, in 2012. Her outside the box thinking brings fresh ideas and cost-saving tools to the ARM industry. As an innovative professional, she is known for solving complex audit, compliance, and finance problems using customized and client-driven solutions for companies ranging from small sole proprietorships to international Fortune 100 corporations.

Douglas Meal is partner at Ropes & Gray, representing companies in complex transaction-related disputes arising from all varieties of business agreements. Most recently, he has played a leading role in the firm�s privacy and data security practice, specializing particularly in representing clients targeted by litigation and government investigations stemming from highly publicized data security breaches.As the lead outside lawyer handling claims stemming from the data security breaches suffered by Sony, Heartland Payment Systems, The TJX Companies, Nationwide, Hannaford Brothers, Aldo, Genesco, and Wyndham Hotels � some of the most highly publicized data security breaches in recent years � Meal has become the national leader in defending companies that suffer significant data security breaches involving consumer information against the ensuing claims and regulatory investigations.