Banco Popular de Puerto Rico

Christopher McGratty is a managing director of equity research for Keefe, Bruyette & Woods.

20 year history in auto lending.� Founder and CEO of 3 companies, starting with Triad Financial which grew to $4 billion and purchased by Ford Credit.� More recently, CarFinance.com, and currently Springboardauto.com.� Developed RoadLoans.com in 2001, one of the early pioneers in online direct to consumer auto lending.� Jim also has history as CEO of a California bank that had a $1.5 billion subprime auto portfolio.�Springboardauto.com is a Fintech company created to partner with credit unions and banks to expand their direct auto loan capabilities.

Robert Wilmers is the chairman and chief executive officer of M&T Bank in Buffalo, N.Y.

As a branding expert with more than a decade’s worth of experience consulting for Fortune 100 companies, Justin specializes in the development of comprehensive brand strategies focused on increasing current customer engagement and developing new channels for growth.Over his career, Justin has worked with leading brands in retail banking, financial technology and wealth advisory services to develop customized strategies rooted in quantitative and qualitative research, consumer insights and data analysis.He is currently a Senior Brand Strategist at Brownstein Group, the oldest independently owned advertising and public relations agency in Philadelphia, as well as an Adjunct Professor at Temple University. He earned a bachelor’s degree in advertising from Temple University’s School of Media and Communications.

Joan McGowan is a senior analyst with Celent's banking practice and is based in Atlanta, Georgia. Her�research focus is�on risk management, regulatory compliance, data security, and data analytics, with a concentration on disruptive technologies for risk transparency and data visualization. She brings a�"risk-reward" perspective to strategic decision-making.Joan has over 15 years of experience with technology and growth strategies for global financial markets. She has worked as a senior strategist with the leading financial service technology providers FIS Global, Fiserv, and FICO, serving global, international, regional, and midsize banks and credit unions.Prior to that, Joan was a researcher for�BBC North News, and a managing�editor for The Economist Group.

Dan Kimerling is the R&D Lead at Silicon Valley Bank. In this role he and his team are responsible for the ideation and development of new products, services, and offerings for the bank's customers world wide. Previously he was Co-Director of the Bank's API Banking program and led the bank's release of the first public API banking platform in the United States.Dan joined Silicon Valley Bank in July of 2015 through the acquisition of Standard Treasury, which he was the co-founder and CEO of. Standard Treasury - a YCombinator company - was the leading provider of API solutions to the financial services community and was named one of the 10 technology companies to watch by The American Banker in 2014. Because of his work on bringing cutting edge technology to banks, Dan was named to the 2015 Forbes' 30 under 30 list.Before starting Standard Treasury, Dan was the first employee and Chief Operating Officer of Giftly, a stored value technology company acquired by GiftCards.com in May 2013. While leading the company, Business Insider named Giftly one of "The 20 Best Start of 2011" and Dan one of the "25 Hot Young Stars In Silicon Valley". Giftly's mobile app was also named by "Best of the App Store" by Apple in 2012. Before Giftly, Dan was a journalist and analyst at TechCrunch, the leading technology website on the Internet until it's acquisition by AOL in 2010. He also ran their well-regarded conference business for two years. Earlier in his career he was an award winning policy scholar, being named the Anne Armstrong Policy Fellow at the Center for Strategic and International Studies and a Jeff Metcalf Fellow at the Hudson Institute.Dan holds an A.B. & A.M. with Honors from the University of Chicago and studied Analytic Finance at the University of Chicago Booth School of Business under a Booth Scholars scholarship. Outside of his work at Silicon Valley Bank he is the Co-Founder and Co-Managing Partner of Deciens Capital, an early stage investment partnership. He also sits on the executive committee of the University of Chicago Bay Club and is a member of the NextGen Advisory Board at the Computer History Museum. He lives with his wife and their dogs in San Francisco.

Victoria Dougherty, Director of Payment Management Solutions at Fiserv, has over 20 years of experience in the financial services industry. Her expansive background includes management roles at both banks and bank solution providers. At Fiserv, she is responsible for the Immediate Funds product that offers risk-free accelerated funds availability a reality for forward-thinking financial institutions and their customers.

Alletta Emeno is senior vice president of Marketing for Meridian Bank. She oversees marketing and retail and brand strategy for Meridian, a community bank in the suburbs of PhiladelphiaAlletta, who joined Meridian in 2015, is leading the creation of the bank’s “branch lite” model, which involves bringing together the best of community banking with online banking to create a superb customer experience. Her areas of responsibility include retail banking, brand management, advertising, product development and customer experience.Prior to joining Meridian, she lead the Strategic Insights group for Beneficial Bank, where her role emphasized product development, market research, marketing strategy and data analysis. Until 2008, Alletta worked outside the banking industry as an award-winning reporter for�The Philadelphia Inquirer�for 12 years, leading the paper’s computer-assisted reporting unit.Alletta is the former president of the PennJerDel Bank Marketing Association.She is a graduate of University of Miami with a B.S. in Communication with a focus in journalism and international and comparative studies.

Tom Carpenter is the Vice President of Retail Product Development at Fifth Third Bank, and has been with the bank for five years.� He manages a group of product management professionals focused on banking services, deposit risk and regulatory excellence.� He currently is the LOB manager for Overdraft, Small Dollar Credit, Cash Banking Services, and handles deposit risk strategies for the Retail Bank.� Previously, Tom spent 10 years with FIS mostly focused on transaction risk strategies and new account screening risk and micro lending.