Banco Popular de Puerto Rico

With more than twenty years in the industry, Mr. Carrothers is responsible for leading the Kohl�s Card Program, managing Kohl�s credit operations, service centers and risk management for Kohl�s and non-Kohl�s Card business in-store and on-line.� These responsibilities include the full servicing for credit card issuance, underwriting, risk management, as well as support functions for Kohl�s omni-channel sales initiatives.Mr. Carrothers has held management and senior management leadership roles in investments, risk management, collections, finance, underwriting, customer service and credit operations in the U.S. and Latin America with Kohl�s, Citigroup, and Fidelity Investments.� Prior to entering the financial services industry, Mr. Carrothers worked in retail management.�As an active member of several charitable organizations for children (Junior Achievement, Bright, etc.), Troy is highly involved in the community.� He is also on the board of several professional and charitable organizations in Wisconsin and has previously worked as a part-time college professor.� Troy holds Bachelor�s and Master�s Degrees in business administration from the University of Texas at Arlington and Thunderbird School of Global Management.�

Keith Smith is CEO of Payability.

Randy T. Slovin is a partner in the Cincinnati based law firm of Slovin & Associates Co., LPA. He has over 25 years of experience in representing creditors, collection agencies, medical providers, credit card providers, and other lenders. His practice is concentrated in the areas of collections, consumer and commercial litigation, bankruptcy, landlord-tenant matters, and compliance with both federal and state consumer credit and collection laws. Randy is a certified practitioner in creditors’ rights law by the American Board of Certification. Further, Randy recently served as chair of the Commercial Law League of America’s (“CLLA”) committee on the Fair Debt Collection Practices Act, was co-chair of their Government Affairs Committee, and is a past chair of the CLLA’s Midwest Region. He is a member of the CLLA, the American Collectors Association, the Debt Buyers Association, and the National Association of Retail Collection Attorneys. Randy has been a frequent speaker and panelist before these organizations and numerous others, on topics relating to creditor’s rights, collections, and bankruptcy. He has also served as an expert witness in cases concerning alleged violations of the federal Fair Debt Collection Practices Act. Randy is licensed to practice law in Ohio and Kentucky, as well as in numerous federal courts in both states, including the Sixth Circuit Court of Appeals.