Banco Popular de Puerto Rico

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.

Timothy H. Murphy is the chief product officer for MasterCard. In this role, he leads the management, development and commercialization of payment solutions that create a sustainable competitive advantage for MasterCard and its customers. The Core Products group is responsible for Consumer Credit and Debit, Cardholder Solutions, Commercial, Prepaid, Loyalty Solutions and Access Prepaid Worldwide.Prior to assuming this role, Mr. Murphy was president, U.S. Region, where he was responsible for all aspects of building MasterCard�s business in the United States.Mr. Murphy also served as group executive of Customer Business Planning and Analysis where he was responsible for business planning, financial analysis and reporting, global pricing strategy, sales development and technology investment management. Previously, Mr. Murphy was senior vice president and associate general counsel for MasterCard.Before joining MasterCard in 2000, Mr. Murphy was an associate in the New York and London offices of Cleary, Gottlieb, Steen & Hamilton, an international law firm.Mr. Murphy graduated magna cum laude from Harvard Law School and magna cum laude from Amherst College. He was elected to Phi Beta Kappa at Amherst.

Brian Enneking is Vice President of Consumer Marketing at Encore Capital Group. He is responsible for the company�s direct mail and digital marketing strategies, and creating an industry-leading consumer experience. Prior to Encore, Brian was SVP of Business Development at Genesis Financial Solutions, one of the nation�s leading specialty originators and servicers of consumer receivables. He also served as President of Genesis Lending Services, which provided loans to students attending for-profit career colleges. Brian received his BA in Economics from Kalamazoo College, completed graduate work in Economics at Oregon State University, and completed the General Management Leadership Program at Columbia Business School.