Banco Popular de Puerto Rico

John Gillard is currently the CEO of AscensionPoint Recovery Services, one of the fastest growing companies specializing in the servicing of Probate debt and recoveries. Prior to joining AscensionPoint, John spent nearly 20 years in senior level positions managing/directing collection and recovery functions for Citi and GE Capital. This included managing over 2000 employees, multiple sites, and 120 plus agencies and attorneys. John has also performed collection consulting services for the financial services industry including Wells Fargo, Nordstrom, NAN, etc. In addition, John designed, marketed, sold and coordinated installation, training and support operations for a strategic /management collection software program.

Jason has over 12 years of Loss Mitigation/Collections experience consisting of focuses on Auto, Consumer Loan, Home Equity, and Mortgage portfolios. His management experience includes strategy, operations, and vendor management for Capital One, USAA, and Bank of America (current). His experience includes some time at NBS – National Bankruptcy Services where he directly managed multiple facets of the Real Property Bankruptcy process from people to process engineering. He also worked with several different banks and servicers to ensure a complete understanding of their portfolio dynamics and needs.

As Head of Advisory and Information Services for Visa Inc., Wayne Best is the in-house chief economist and resident prognosticator for the trillion-dollar American payments industry. Combining a passion for business with an engineer's logic, Wayne has a knack for translating econometric analyses into plain English. In other words, he can explain and forecast the complex relationships between business and economic trends and the consumer's ability to spend, save, and pay down debt. Because he stays close to the underlying dynamics of the business, Wayne offers a unique perspective on both industry and global trends and is frequently quoted in the media and appears on television. He also travels the world explaining the economic forces shaping the future, consulting with client executives and presenting at conferences from London to Singapore and throughout the U.S. Before joining Visa in 1990, Wayne worked as a consultant providing cost benefit analyses to the power industry. He holds an M.B.A. in management and a B.S. in nuclear engineering and has participated in the Kellogg School of Management Executive Program and the Stanford Executive Series.

Melton Knight brings 20 years of Credit Risk experience to MasterCard Advisors. Melton has held key positions with several firms within the Financial Services industry. Prior to joining MasterCard Advisors, Melton spent 5 years heading the Risk Management department at a Private Label credit card bank, First North American National Bank (FNANB). Melton was responsible for the full credit life cycle: the development of acquisition criteria to support all channels, the creation of risk-based account management strategies, the development of MIS, short and long-term delinquency and loss forecasting, and all modeling and scorecard development efforts. Melton’s risk team was structured based on FNANB’s three (3) products: a private label credit card, a bankcard, and a co-branded bankcard. Before joining FNANB, Melton was a Consultant with CRMA, a subsidiary of Fair Isaac Corporation. Because of his diverse product and strategic systems background, Melton worked with clients that covered a broad range of product offerings and business needs. A partial list of clients include: National City Corp, Banamex, Auto Nation, and Centex Mortgage. Melton provided clients with strategic implementation plans for product offerings, codification of credit policy, and strategy development for new and existing account decision tree tools (Strategyware, FDR ACS, and TRIAD). Prior to CRMA, Melton worked for FirstPlus Financial, a Mortgage lender specializing in high risk, high yield mortgage and home equity loans. Melton led a team that consisted of Model Development, Database Management, and Strategic Risk Analysis. Melton’s risk group created long-term loss projections for potential investors and bond rating agencies in support of financing efforts on the secondary bond market.Prior to FirstPlus, Melton worked for The Associates (now Citigroup/Citifinancial). Melton’s responsibility was all risk analysis indirect sales finance, consumer installment loans, revolving line of credit, and real estate loans. Melton began his career in Credit Operations with Sears Credit – holding various positions in Collections, Customer Service, and Fraud. Melton then transitioned to a new role within Sears Credit as a TRIAD analyst developing line management and authorization strategies for the Sears Credit Card portfolio.

Amit has extensive experience with creating decision strategies for collections on both personal and small business credit with over 10 years experience in the banking industry.