Banco Popular de Puerto Rico

J.C. Gunnell is currently Chief Executive Officer and Chair of the Board of Estate Information Services, LLC (EIS) located in Columbus, Ohio. J.C. was one of the original founders of EIS, and is a dynamic, strategic business leader with an exceptional track record of growing EIS into a highly profitable business. J.C. is a confident decision maker who integrates structural analytical techniques and experience to optimize business results. She has a proven ability to apply technology appropriately and lead the execution of projects successfully. J.C. has a reputation in the collection industry for innovation and creative problem-solving. She brings more than 26 years’ experience in the legal collection and probate service industry to EIS. Prior to opening her own agency, J.C. was employed over ten years as part of the senior management team for one of the largest creditor representation law firms in the country. During her tenure there, she developed, marketed and oversaw a multi-million dollar department in the specialty collection division of the law firm. She currently serves on the Ohio State board of directors for the Red Cross of Columbus, Ohio, is an active member of the National Association of Women Business Leaders, and takes an active role in the American Collector's Association. J.C. currently sits on several industry-related boards. She helped to start the Ohio chapter of "Taking Care of Tots", which is a charity organization specifically working with homeless and underprivileged children and their needs, has been an active member of the Scholarship Committee for Capital Law University, and has been involved heavily with the Ohio Women’s Hall of Fame Association. J.C. graduated with a B.A. from University of Arkansas, Fayetteville, Arkansas an M.Ed. at University of North Florida, Jacksonville, Florida, attended Georgetown University where she received her paralegal degree, and went on to earn a J.D. with honors from Capital Law University, Columbus, OH.

David Ingram is the Senior Director of Collections Marketing at Experian, He joined Experian in 2007. Prior to joining Experian, Mr. Ingram served as the Director of Operations for BCA Financial Services, based in Miami, Florida, overseeing operational activities for $400mm+ in active inventory. Mr. Ingram also served as the Manager of Operational Support for Americall Group, Inc/SR Teleperformance, a Paris-based company that is the largest outbound dialing organization in the world. Prior to that, Mr. Ingram served as the Director of Support Services for Machol & Johannes, P.C., a large collections law-firm specializing in purchased debt. Mr. Ingram started in this industry as a systems engineer, specializing in telephony and networking infrastructure. He holds several technical certifications, such as Microsoft Certified Systems Engineer, Cisco Networking Associate and others for Predictive Dialing platforms such as Davox, Voicelink and SCS Softswitch. David attended several colleges in Arizona and Colorado for his undergraduate studies but graduated with his BA from Pepperdine University in Malibu, CA. Mr. Ingram has participated in and spoken at industry trade shows such as Debt Connection Symposium (DCS), NARCA, ACA International, Ontario’s Debt Management, Akcelerant User Conference and the California Creditors Bar Association.

Cristian deRitis is a director in the Credit Analytics group at Moody's Analytics, where he develops probability of default, loss given default, and loss forecasting models for firms and industries; contributes to forecasts and analysis for CreditForecast.com; and writes periodic summaries of the consumer credit industry. His commentary on housing and mortgage markets, securitization, and financial regulatory reform often appears on the Dismal Scientist web site and in the Regional Financial Review. Dr. deRitis’ recent consulting work has included an evaluation of the efficacy and cost of the federal government’s Home Affordable Modification Plan, and he is frequently consulted on credit risk modeling and measurement as well as housing policy. He helped develop the company’s models to forecast the Case-Shiller and FHFA metropolitan house price indices and is a regular contributor to the firm’s Housing Market Monitor. Dr. deRitis also gives frequent presentations and interviews on the state of the U.S. housing, mortgage and credit markets. In his previous work at Fannie Mae, Dr. deRitis supervised a team of economists who developed models of borrower default and prepayment behavior. He has published research on consumer credit and credit modeling as well as on the costs and benefits of community mediation. He received a PhD in economics from Johns Hopkins University, where he focused on the impact of technology on labor markets and income inequality. His bachelor's degree in economics is from the Honors College at Michigan State University.

John Kowalak is a Partner in the Consumer Finance Group of PricewaterhouseCoopers and has over 15 years of experience managing audit examinations and advisory projects at financial institutions, mortgage banking enterprises and finance companies. He has significant experience with accounting, valuation, and risk management activities surrounding credit risk, mortgage servicing rights, loan servicing and secondary marketing activities. He has recently worked with companies to help them navigate through the challenges of the credit crises, including regulatory examination responses, acquisitions of failed bank, risk management of loan portfolios, strategies to manage repurchase exposures and implementation of loss mitigation programs. John is a frequent contributor to PwC and external publications and speaks periodically at industry conferences and training sessions. John received a BS in Accounting from the University of Delaware. He is a member of the AICPA and a Certified Public Accountant in New York.

Scott advises mortgage servicing companies, banks and other related financial institutions on process improvement, control infrastructure and compliance matters. In addition, Scott has advised clients on recent regulatory changes within the financial services and mortgage servicing industries. During Scott's career, as a CPA and attorney, he has led numerous engagements to create and review policies and procedures; review control infrastructure; implement financial service systems; draft technical mortgage accounting memos and improve operations and compliance processes. Most recently, Scott has worked with mortgage servicing companies on developing Single Point of Contact platforms to comply with various regulatory guidance and consent orders.His areas of expertise include:Process ReengineeringPolicy and Procedure ReviewRegulatory ComplianceOperational RiskEnterprise risk managementFinancial System ImplementationFinancial Reporting and Technical Accounting

Jim is the SVP of Collection Strategy for the Card division of US Bank. He is responsible for all Consumer & Business Card, Communication, Inventory Management, Collection Treatment and Call Traffic management strategies. Jim has over 25 years of Financial Services, operations and analytic experience, in Collections & Recovery, Credit, Risk Management and Marketing analysis.

Tom Jordan is director of product development and sales solutions for TransUnion’s collections business unit. Mr. Jordan is the subject matter expert and consultant for all collection-related opportunities, helping customers maximize efficiencies within their operations and quantify their return-on-investment with TransUnion’s product offerings. Mr. Jordan joined TransUnion in 2008 with an extensive background in receivables management. He previously served as Vice President, Operations for Convergys Corporation residing over all their international and domestic collection centers. Mr. Jordan received his Bachelor of Arts from the University of Florida in Gainesville, Florida.

Tom has worked with the country’s leading financial services companies since 1991. For more than 20 years, Tom has provided strategic customer acquisition, customer communications and direct marketing management to credit and lending companies such as Advanta Corp., Capital One, The Royal Bank of Scotland and US Bank. Working on both the client- and agency-sides of the desk, Tom’s experience gave him the opportunity to pioneer highly-targeted, highly-personalized marketing and customer communications programs. While based in the UK, Tom also spearheaded all credit card marketing for Advanta’s joint venture with The Royal Bank of Scotland. In 2001, Tom was honored with the prestigious Philadelphia Direct Marketing Association’s “Direct Marketer of the Year” Award.

Alex is responsible for managing the debt sales for Wells Fargo & Company. He markets transactiotions for the majority of the Wells Fargo’s consumer businesses with the exception of Mortgage. Alex joined the company in 1993, accepting a position in Treasury Services. He later accepted a position with Wells Fargo Financial Resources, which extended his responsibilities to corporate development with respect to new markets, mergers & acquisitions, and new product resulting from acquisitions. He began his current responsibilities in 2005.Alex was raised in Chicago, Ilinois and received a bachelor’s degree in business from Boston University and a master’s of business administration from The University of Iowa. Alex serves on the board of Elim Christian Fellowship Church and the Family Selection Committee of Greater Des Moines Habitat for Humanity.