Banco Popular de Puerto Rico

Cheryl Guerin is group executive, Global Products & Solutions for the US Market. In this position, Ms. Guerin is responsible for Products and Solutions Development and Management, Marketing and MasterCard Advisors � the professional services arm of MasterCard Worldwide that offers consulting expertise in the payments industry.Prior to this role, Ms. Guerin ran US Marketing in which she focused on delivering strategies and programs that drive greater preference for MasterCard's brand, products and services across B2B and B2C audiences. This included directing the brand�s award-winning Priceless advertising campaign, sponsorships, digital and partner marketing activity to drive greater connection with consumers.Ms. Guerin joined MasterCard in 2000 and has held positions in Global Promotions and Global Digital Marketing, with a heavy focus on cross-functional integration, issuer value and merchant support. Key achievements include setting best practices and building organizations around these disciplines globally, as well as continued industry accolades.Prior to MasterCard, Ms. Guerin held several account service positions at advertising agencies such as Bates Worldwide and Bozell � managing campaigns and product launches for clients such as Avis, American Home Products, Best Foods, KLM Airlines, NatWest Bank and Samsung.Ms. Guerin is an active Member of the ANA (Association of National Advertisers) and IAB (Interactive Advertising Bureau). Cheryl was named to Brand Innovators 2013 Top 50 Women in Brand Marketing, the 2012 Internationalist Top 100 Global Marketing Leaders, was a 2011 CEO Award Winner for leading the launch of the Priceless Cities, and was recognized among Westchester�s �40 under 40� rising stars in business by the Business Council of Westchester in 2010.Ms. Guerin holds a Bachelor of Business Administration from Pace University�s Lubin School of Business and lives in Westchester, NY with her husband and two sons.�

Larry Santucci joined the Federal Reserve Bank of Philadelphia�s Payment Cards Center as a senior industry specialist in December 2013. His research interests include credit card usage and regulation, student and subprime credit, and financial services of the unbanked and underbanked.Prior to joining the Bank, Mr. Santucci spent eight years in consumer lending, with a focus on data, analytics, and business strategy. Most recently, Mr. Santucci served as credit card product manager with SunTrust Bank. His consumer lending experience includes payday loans, unsecured installment loans, business credit cards, and residential mortgages. He has also served as a research assistant with the Federal Reserve Bank of Richmond.Mr. Santucci holds a bachelor's degree in economics and business administration from Ursinus College and a master's degree in economics from Pennsylvania State University.

­­­­­­­­­Darlene Goins is Senior Director of Scores at FICO and leader of FICO� Score Open Access, an innovative program through which FICO partners with financial institutions to provide FICO� Scores and credit education for free to over 60 million consumers. For its advancement of financial literacy and credit score transparency, this program has garnered support and recognition from the Obama Administration, regulators, consumer advocates, financial services providers and consumers.� Prior to accepting this role, Darlene and her team of Scores consultants engaged with lenders on best practices to leverage FICO� Scores and analytics for more profitable decisions.Before rejoining FICO in 2009, Darlene served as Director of Customer Excellence at Nomis Solutions and as Sales Director at Intelligent Results and ALI Solutions, promoting and driving value for clients through complex analytic-based software solutions.Darlene began her career at FICO in 1994 and over 10 years served in a number of capacities, including model development, product and market management and software sales support for various industries and markets around the world.Darlene holds a B.S. in Electrical Engineering and an M.S. in Engineering-Economic Systems (now the Department of Management Science), both from Stanford University.

Lucy Diggs is vice president of business development at Meramak Bankcard, a registered ISO that affiliates with card issuers and payment processors. Its services include bank cards, debit and foreign card processing, prepaid cards, gift cards, check conversion, check guarantee and ATM machine placement.

Mike has over 30 years of banking experience with a� deep and varied industry knowledge in Bankcard, Auto, Utilities and Telecomm having delivered engagements, benchmarking exercises and software/analytics deliveries for lenders in;� 9 of the top ten lenders in NA, Mexico, Canada, UK and Hong Kong .� He has experience in working with senior level stakeholders across the product lifecycle to identify revenue/cost management opportunities while delivering an improved customer experience.�� Mike, currently with Experian Global Consulting Practice, has held senior leadership positions domestically and internationally with Chase, Citibank and the Associates.

Robert Hoppenstedt is senior vice president of marketing and operations at Bethpage Federal Credit Union.� Previously, he was executive vice president of the personal and small business banking division at Liberty Bank.� Prior roles at Liberty Bank included senior vice president, director of marketing and CRA officer.

Keith Tully is a partner at Real Business Rescue, a corporate insolvency specialist. He has worked for both independent and national business rescue firms in the United Kingdom over a 20 year career.

Rudy Pereira received his BS in Computer Science from California State University Northridge, received his MBA at Norwich University and has a Black Belt in Six Sigma from Motorola University.� Pereira previously served as Senior Vice President Operations and Technology at Alliant Credit Union in Chicago, Illinois and prior to that served as Senior Vice President and CIO at Kinecta Federal Credit Union in California. Prior to his career in financial services he worked at Hughes Aircraft and Hewlett-Packard.Pereira is an active industry executive who is Chair of the CUNA/BITS Financial Services Liaison Task Force, former Chair of the CUNA Council Forum and Technology Council, and a member of the Wisconsin and Credit Union National Association Governmental Affairs Committees. Pereira is a frequent conference speaker and writer for the credit union industry.� Pereira is also a member of the University of Wisconsin Eau Claire Foundation Board, Confluence Inc. Board and Western Regional Mayo Clinic Board.