Banco Popular de Puerto Rico

John T. Williams covers the Computer Services & IT Consulting sector with an emphasis on US-based Transaction Processing and Financial Technology companies. He joined UBS as an Executive Director in August 2011, having previously covered the same sector as a senior analyst at Goldman Sachs and Macquarie Capital.Prior to that, he spent several years with the American Express Company. John holds an MBA from Boston University and a BS in Finance from Marist College.

Robert is Managing Director of SunTrust., following Internet & disruptive technology companies in equity research. Robert has over 20 years of Wall Street experience, centered around technology and finance. 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 an analyst, covering several technology and media companies. 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 / technology companies to his coverage universe. 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, technology and digital media research. This deeper exposure gave Robert an even keener sense of the disruption and innovation opportunities on the horizon. In 2011, Robert left Baron and cofounded CoRise Co. with his 4 partners who had collectively amassed 100 year of Wall Street experience from top firms such as Morgan Stanley, Goldman Sachs, BoA, and BMO Capital Markets. Robert is a frequent guest on CNBC. He has appeared on CNN and has been quoted in The Wall Street Journal, The New York Times, and industry publications. Robert has written articles for the Economist and Business Insider on technology sectors and specific technology companies. Robert has engaged with and interviewed leading technology CEOs, including Eric Schmidt, Meg Whitman, Mel Karmazin, and others. Robert has earned a Chartered Financial Analyst (CFA) designation, maintains his investment banking license (Series 79), and is a member of the NY Society of Security Analysts. He is an active mentor to the technology accelerator (ERA) in NY, as well as an advisor to the Columbia Business School entrepreneur program.

Jim is a Partner at Stone Key and focuses on providing strategic and capital markets advice to the firm’s Commericial Technology clients in the Data, Transaction Processing, Information Technology and Business Services sectors. He has over 24 years of experience in the Technology services arena. Prior to joining Stone Key, Jim was a Managing Director and Head of the Data, Processing and IT Services Research team at Credit Suisse. Previously, he led the Computer Services research teams at Bank of America-Merrill Lynch, Bear Stearns and Salomon Brothers. Jim has been ranked by Institutional Investor magazine on more than 20 separate occasions over his career. He has also been recognized by Greenwich Associates, Bloomberg Markets, Reuters and TheStreet.com for the quality of his research and/or the performance of his stock recommendations. Over the course of Jim’s research career, he has covered a wide range of companies in the Technology Services sectors, including businesses in Payment, Payroll and Mutual Fund Processing, Billing Services, Transaction Processing, Government and Commercial IT and Business Process Outsourcing and Information Database Services. Jim received an M.B.A. from New York University’s Leonard N. Stern School of Business in 1994 and a B.S. from State University of New York at Albany in 1988.

David has over 25 years of experience in payments comprising marketing, new products, sales, operations and finance. He is President of NYPAY, the premier organization for payment leader and innovators in the NY region, and runs Broadly Curious Advisors, which helps firms profitably navigate the changing world of payments and mobile commerce. He has worked with both large and small firms, domestically and internationally, and has a passion for new technologies and their commercial application.David received his MBA from the University of Chicago Booth School of Business and his BA from Binghamton University. He has completed coursework at the Universities of Copenhagen, Denmark and Grenoble, France.

Kevin Moss is Executive Vice President and Chief Risk Officer responsible for managing Credit, Compliance, and Operating Risk for the Wells Fargo Consumer Lending Group. Moss joined Wells Fargo in 1998 and brings more than 29 years of banking experience to his current role. Prior to being appointed chief risk officer, he was the business manager for the National Home Equity Group. Kevin was also chief credit officer for the Home and Consumer Finance Group, in addition to leading the Consumer Risk Management team, helping Wells Fargo manage the credit and fraud risk in the organization�s Card Services and Deposit/Debit businesses. A former college professor, Moss has also participated on the advisory boards and steering committees for companies that provide risk management solutions to the financial services industry. Moss holds a bachelor�s degree in applied statistics from George Washington University in Washington, D.C., and a master�s degree in quantitative analysis from New York University.

Mercedes is of counsel in the Business and Finance Department and Practice Leader of the Privacy and Data Security Group. She is also a member of the Consumer Financial Services Group, the Bank Regulatory and Supervision Group, the Mortgage Banking Group, the software and business methods practice team in the Patents Group, and the Trademark and Copyright Group. Ms. Tunstall counsels clients on compliance with consumer financial services laws, including proscriptions against unfair, deceptive, and abusive practices as well as the investigations and proceedings of the Consumer Financial Protection Bureau created by the Dodd-Frank Wall Street Reform and Consumer Protection Act. She is also experienced with mobile and other e-commerce initiatives, privacy issues, and the delivery of financial services through social networking sites.