Banco Popular de Puerto Rico

Christine Pratt is a senior analyst at Aite Group specializing in lending and credit risk and spanning Aite Group’s Retail and Wholesale Banking segments. She brings to Aite Group a strong research and consulting background as well as hands-on experience developed working within financial institutions.Ms. Pratt has been widely quoted in national media and industry publications such as Wall Street Journal, Forbes, American Banker, Bank Technology News, Bank Systems & Technology, and Credit Union News. She has presented at major industry events (CBA, MBA) and client conferences for top technology providers.Before joining Aite Group, Ms. Pratt served as president and CEO of Pratt Associates, a firm dedicated to providing marketing and competitive intelligence, including research advisory and consulting services, to the financial services and healthcare industries. Prior to this she was a research director within Financial Insights’ Consumer Banking and Credit practice, and senior research analyst with TowerGroup’s Consumer Credit practice. In these capacities she authored research and advised senior management of financial services clients on system selection and best practices in business processing.Ms. Pratt adds strong domain expertise to her list of industry experience, including COO duties for both the consumer lending and mortgage subsidiaries of a large regional lender, and CAO duties for two investment advisory firms. Ms. Pratt managed multiple core banking systems conversions for RBS Citizens Bank, a top 10 U.S. bank, and was a senior vice president at BayBanks, where she had oversight of all credit operations (including credit cards, mortgages, and auto finance) and managed a staff of more than 500. At Shawmut Bank, Pratt drove the centralization of corporate customer call centers and managed all corporate services operations. Additionally, as a senior manager for a New York-based consulting firm, she supported Top 10 financial institutions and Internet startups.Ms. Pratt holds a B.A. in both English Literature and Mathematics from Boston University.

Nicole Matuszewski, Vice President of DHM Mortgage Servicing, has over 10 years of experience in special servicing oversight and related capital markets experience. Over the last four years she has played a key role in building a residential special servicing platform focused on at-risk loans and assisting borrowers explore all loss mitigation/modification options. During this time, she has implemented a strong control environment, efficient processes and leveraged the latest mortgage servicing technology to drive optimal solutions for both borrowers and investors. In addition, she has designed and implemented policies and procedures for collections, loss mitigation, foreclosures, bankruptcies and REO. Prior to DHM Mortgage Servicing, Nicole held several roles focused on the securitization of residential mortgage securities for Barclays Capital and Rabobank International, including a related consulting role with Deloitte & Touche. She holds a B.S. from Binghamton University in Binghamton, NY.

Michael Banasiak is SVP, Liquidity & Risk Analytics, SunGard’s AvantGard. Michael is responsible for the strategic direction of AvantGard’s analytics solution which includes credit scoring, collection scoring and cash forecasting. Michael offers over 20 years executive and managerial experience in the information business; specifically predictive scoring and analytical decision technology. Prior to joining SunGard’s AvantGard, Michael was president and CEO of PredictiveMetrics, which was acquired by SunGard in early 2011. Michael founded and established PredictiveMetrics to provide higher quality statistical modeling and analytics in a customer service oriented environment. For most of his career, he has been working with Fortune 500 and middle market companies in a consultative role to better develop and utilize knowledge-based credit, collection, and recovery score technology. Michael is one of the forefathers of commercial credit scoring. He successfully built D&B’s first commercial credit scoring and financial stress models. Prior to D&B, Michael was involved in academic research and statistical analysis in economics for the National Council on Compensation Insurance. Michael has a master's degree in Economics (ABT) and Doctorate Series in Econometrics from New York University. He earned a bachelor’s degree in Economics with a minor in Statistics from Rutgers University.

William E. “Bill” Johnson is CEO of Citi Retail Services, the division of Citi’s North America Consumer Banking business that provides consumer and commercial credit card products, services, and retail solutions to national and regional retailers across the U.S. The business services nearly 90 million accounts for a number of iconic brands, including The Home Depot, Macy’s, Sears, Shell, and ExxonMobil, among others. Mr. Johnson joined Citi in 1999 and previously served as an Executive Vice President of both Retail Partnerships and the Retail Sector for Citi Cards North America. Most recently, he led the remarkable turnaround of Citi Retail Services (previously known as Retail Partner Cards). The streamlined entity emerged from Citi Holdings after nearly three years, a stronger, more profitable business with solid growth prospects for the years ahead. Mr. Johnson was instrumental in bringing The Home Depot, Sears and Macy’s portfolios to Citi, establishing its foundation as a premier provider of partnership services. Prior to Citi, Mr. Johnson held a number of executive positions at GE Capital. During his decade-long tenure there, he gained invaluable knowledge about building strong partner relationships, acquiring new portfolios and developing programs specializing in multi-level distribution. His early career experience includes several positions in business and dealer development. During this time he was responsible for the acquisition of more than $15B in new business. He also completed both the MDC and BMC development programs and was a multiple winner of the highly coveted “Pinnacle” award.Considered an expert in contract negotiation, Mr. Johnson is recognized throughout the industry as a thought leader in the structure of retail credit programs. He has been featured in a number of industry publications and is sought out for his business views. He has also used his negotiation skills to benefit the nonprofit sector. As a member of the Board of Directors of the Georgia Center for Nonprofits, Mr. Johnson has taught several workshops on “The Art of Negotiation” to train nonprofit executives in negotiation skills. Mr. Johnson is an alumnus of the Citi Chairman’s Executive Forum and Business Leadership Program. In addition to his work with the Georgia Center for Nonprofits, a nationally recognized capacity-building organization, he is engaged in a number of local community activities. He holds an M.B.A. from Georgia State University.

David leads the new credit card Acquisition, Portfolio and Print Collateral Fulfillment teams for Retail Payment Solutions at U.S. Bank. He possesses more than twenty-five years of direct marketing experience with a concentration in the financial services industry. Prior to joining the bank, David came from the advertising agency-side of the business where he led several key agency client teams dedicated to driving multi-channel marketing campaign success through process efficiency, on-target creative execution, and data-driven decisions for some of the nation’s leading financial services companies.