Banco Popular de Puerto Rico

Darrin Benhart is Deputy Comptroller for Credit and Market Risk at the Office of the Comptroller of the Currency (OCC). In this role, Mr. Benhart serves as a principal advisor on emerging systemic risks facing the banking system. He oversees and sets policies for the Commercial and Retail Credit Policy units and Credit and Market Risk. He also co-chairs the National Risk Committee, which coordinates the OCC risk identification practices. He has served in this role since August 2011. Previously, Mr. Benhart served as Director for Commercial Credit in the Credit and Market Risk Division of the OCC, where he oversaw a team responsible for commercial credit policy issues and commercial credit analytics. Since joining the agency in 1992, Mr. Benhart has served in a variety of technical an managerial roles, primarily as a field examiner. In these roles, he directed credit related OCC supervisory activities and managed a staff of resident credit examiners in the commercial and retail credit areas in many of the agency�s largest banks. Darrin received his undergraduate degree in business administration with an emphasis in finance from the University of Northern Iowa and is a Commissioned National Bank Examiner.

Peggy Twohig is currently the Assistant Director for Nonbank Supervision at the Consumer Financial Protection Bureau. As Assistant Director, she is responsible for implementing the first Federal supervision program for nonbank providers of consumer financial products and services, such as payday lenders, mortgage originators, mortgage servicers, and credit bureaus. Prior to her work at CFPB, Ms. Twohig was Director of the Office of Consumer Protection at the Department of the Treasury, where she worked on the proposal to create a new consumer agency as part of financial regulatory reform. Immediately before joining Treasury, Ms. Twohig served as Associate Director of the Division of Financial Practices at the Federal Trade Commission. Her 17-year tenure at the FTC focused on enforcement and policy issues related to consumer financial services. Ms. Twohig’s career also included work as a litigator with the firm of Arnold & Porter in Washington D.C.Ms. Twohig received her law degree from the New York University School of Law and a master's degree in public policy from Princeton's Woodrow Wilson School of Public and International Affairs in 1983. After law school, she clerked for the Honorable William K. Thomas in United States District Court for the Northern District of Ohio.

Nigel has been working with leading card issuers and payment providers in Canada since 2000. He is recognized within the card payment industry as an innovation leader having worked in the UK, Europe, Canada and the USA for payment clients including Telcos, the payment brands, retailers and issuers. He led the initiative to establish the Canadian chip migration business requirements bringing together multiple industry stakeholders. As a consultant, Nigel has worked with banks on their successful chip migration programs for debit, credit and contactless payments as well as with merchants on the store side of EMV implementation. He has broad multi-industry payment experience and a thorough understanding of EMV from the nuts and bolts up to the strategic level.

Anthony J. Travagline has 25 years of retail banking experience with a concentration on Customer contact. His career started in 1987 as a sales agent for MBNA America which was eventually purchased by Bank of America.Over the past two decades he has led start-up operations for world leading financial institutions to include MBNA America, ING Direct, HSBC and Barclays. The primary expertise he possesses is building and optimizing performance for operations that attract and retain valuable customers. This includes Sales, Service, Collections and Retention along with experience in Credit Risk and Training. He has always valued a customer centric approach reinforced with the notion of making the experience intuitive and memorable for the client and the employee. His belief is that technology combined with real customer insight enables businesses to meet the rapid changes in consumer expectations. By providing simple and elegant interfaces self-service is encouraged while allowing more complicated business to be handled with greater ease and effectiveness by employees.

Mr. Hyer is a Managing Director in Houlihan Lokey�s New York office and Head of the Financial Technology Group. He has more than 23 years of investment banking experience in M&A and capital raising for both public and private companies. Before joining Houlihan Lokey, Mr. Hyer was a managing director at Greenhill & Co., LLC where he advised KKR in their $27 billion acquisition of First Data and Ceridian in their proxy defense and $5.2 billion sale to TH Lee. He also served as Chairman of the Board of iKobo, a privately held retail money transfer company in Greenhill�s venture capital portfolio.During his 19-year tenure at Citigroup, he established and built Citi�s global electronic services group advising clients including: Certegy, PayPal, E*Trade, Fiserv, MasterCard, Concord EFS, Heartland, MoneyGram and NYCE. Mr. Hyer is a graduate of the United States Naval Academy and the University of California Berkeley - Haas School of Business. He is registered with FINRA as a General Securities Principal (Series 7, 24 and 63) and a Limited Representative � Investment Banking (Series 79).

Robert’s involvement in the Internet sector and its assortment of technologies and services dates back to the advent of this disruptive sector. Robert has been a top-ranked industry analyst and a recognized thought leader throughout this time. Robert discovered his passion for finance and technology concurrently, starting his career in 1992 as an analyst for Merrill Lynch in the Investment Banking technology department. Seeing the changes taking place in technology, media, social interactions, and commerce, awakened his perspective of the confluent opportunity space that was beginning to emerge. Subsequently he set out to hone his skills to focus on this burgeoning sector. Robert left Merrill Lynch in 1995 to augment his finance skills at Columbia Business School, where he received his MBA with a concentration in Finance in 1997. Upon graduation, he joined the Lehman Brothers equity research department as a junior analyst, covering several technology and media companies. His tenacious interest in the industry led to his promotion to Senior Analyst, with his own coverage universe, in only 18 months. In 2000, Bear Stearns recruited Robert from Lehman to augment the Technology, Media, and Telecom research team. While Robert started primarily on traditional technology companies, he soon added a wide assortment of Internet companies to his coverage universe. It was here that he discovered the greatest concentration of emerging models and was inspired by the opportunities rapidly arising. Robert became an Institutional Investor-ranked analyst from 2003 until he left the sell-side in 2008, and was ranked as one of The Wall Street Journal’s “Best on the Street.” Robert joined Baron Capital, a $20 billion mutual fund company, in 2008. At Baron he led Internet research and also covered other technology and media companies. This deeper exposure gave Robert an even keener sense of the disruption and innovation opportunities on the horizon. In 2011, Robert founded Quasar Capital Advisors, where he provided strategic and funding advice to multiple technology companies. Most recently, Quasar merged into CoRise, where Robert focuses on clients in the confluent opportunity space. Robert has made multiple appearances on CNBC, and has been frequently quoted in The Wall Street Journal, The New York Times, and industry publications. He has also met with and interviewed leading technology CEOs, including Eric Schmidt and others. Robert has earned a Chartered Financial Analyst (CFA) designation, and is a member of the NY Society of Security Analysts.

Mr. William L. Allen, Jr. is the Chief Executive Officer of ALW Sourcing LLC, as well as its founder, and majority owner. Mr. Allen (Bill) brings a wealth of knowledge, entrepreneurship, and industry experience to his leadership position with ALW Sourcing. Prior to launching ALW Sourcing, Mr. Allen served at the highest levels of the largest business process outsourcing vendor in the world, the NCO Group, and the most senior African- American in that world-wide corporation. Bill continues to serve as a senior consultant with this largest provider of accounts receivable management services to creditors in the world.Early in his career, he learned the power of service-after-the-sale, by leading sales, marketing, and operations groups with Mobil Oil. The lessons learned there, a deep respect for the power of salesmanship, the value of a support organization, and his stellar rise with NCO, set the stage for his success with his ongoing ALW Sourcing venture. A true entrepreneur, Bill lends his acumen to other business sectors, and community involvement is a recurring theme in those successes. Mr. Allen serves as CEO of A Friend of the Family, Inc.; a Delaware-based incubator for alternative learning programs. Through Bill’s leadership, the venture is growing and proves to be a viable business model, giving students, with special needs, a chance to succeed in the face of personal, environmental, and socio-economic challenges. As a teacher, in his own right, Mr. Allen contributes to his community by instructing seminars on topics including salesmanship, consumer finance, business development, diversity in the corporate environment, and in marketing. Bill Allen was featured in Business Week for his philanthropic activities supporting diverse communities of special-needs youth, and of African-Americans. Other acknowledgments of his leadership include, feature articles in the Baltimore Business Journal, and JET Magazine.Along with his co-author, and wife – Dr. Kim L. Allen, Bill recently published a book – “It Flows Through Us”. The book communicates that the concept of “flow” – showing how the power of hard work and giving back – is within your grasp. This “First Little Book, on the Concept of Flow” presents a new dynamic in how giving back – generates great results, and greater happiness. The book was released in Spring 2011, and has tremendous reader, and critical, acclaim.