Banco Popular de Puerto Rico

Bill has served as a consultant to the NFMA since 2013, with responsibilities for developing policy and strategy with municipal market groups and market regulators. He also works with the media to promote the NFMA’s work. Prior to 2013, Bill’s professional career spanned forty years, encompassing a broad range of experience in city planning, budgeting and municipal credit analysis. He spent nearly thirty years in the municipal bond industry, most of which as Director of Municipal Research at Alliance Capital Management/Alliance Bernstein and Prudential Capital Management. He has been involved long been active in attempts to improve municipal bond disclosure.� He served as Chairman of the Board of Governors of the National Federation of Municipal Analysts in 1995 and received awards from the NFMA as Analyst of the Year, for Municipal Industry Contributions and for Career Achievement. He received a B.A. in Political Science from George Washington University and a Masters Degrees in City Planning and Public Administration from Ohio State University.�

As Ten-Year Financial Plan Project Manager, Kristin Barcak is focused on the implementation of Baltimore�s long-term financial plan.� Baltimore�s Ten-Year Financial Plan is a roadmap for eliminating the City�s structural budget shortfalls, increasing tax competitiveness, investing in infrastructure and reducing unfunded liabilities.� Ms. Barcak coordinates interagency teams dedicated to implementing each of the Ten-Year Financial Plan initiatives.� Prior to her current role, Ms. Barcak worked for the Finance Director of the City of Baltimore as Principal Analyst where she led the Department�s performance management reviews and prepared the City�s annual Bond presentation to Moody�s and Standard and Poor�s.� Ms. Barcak has worked for other government entities including Baltimore�s Water and Wastewater Utility and the U.S. Congress.����

William �Bill� Cole is in his second term as a member of the Baltimore City Council representing downtown Baltimore and more than 25 unique neighborhoods that surround it.� His career in public service spans more than 20 years and includes Special Assistant to U.S. Congressman Elijah E. Cummings (MD-07) from 1996-2003 and member of the Maryland House of Delegates from 1998-2002. Bill was elected to the Democratic State Central Committee in 1998 and in 2012 was elected Delegate to the Democratic National Convention in Maryland�s 3rd Congressional District, receiving the highest vote total. �Since 2003, Bill has served as Associate Vice President for Institutional Advancement at the University of Baltimore and as an occasional adjunct professor in UB�s graduate College of Public Affairs.� He is the Chairman of the boards of both Cecil Bank and its holding company Cecil Bancorp, Inc. and serves on more than a dozen civic and non-profit boards including Visit Baltimore, the Downtown Partnership of Baltimore, the Midtown Community Benefits District, the Babe Ruth Museum, and the Flag House & Star-Spangled Banner Museum.�In 2012, Councilman Cole was honored to be selected as one of the first 100 members of the NewDEAL, a national organization that supports progressive, pro-growth Democrats.� Later the same year, he participated in the American Swiss Foundation Young Leaders Conference in Zurich, Switzerland. Most recently � January, 2014 � he was appointed to the Local Leaders Council of Smart Growth America. �Bill holds a B.A. in Government & Politics from the University of Maryland and a M.A. in Legal & Ethical Studies from the University of Baltimore.� He and his wife live near Baltimore�s Inner Harbor with their three children who are proud to be students in the Baltimore City Public Schools. Bill co-founded the Locust Point Soccer Club and has coached the South Baltimore Youth Soccer League since its inception nearly a decade ago.�� He continues to manage and coach several travel soccer teams throughout the year.

Andy was born on March 31, 1968 in Chattanooga, Tennessee to Marvin and Kandy Berke.Andy�s grandfather, Harry, founded a local law practice in Chattanooga aimed at representing and helping Tennesseans. From assisting someone who was discriminated against for his military service to talking to someone who just needed some advice, the Berke family law practice worked to make someone's life better. Growing up in a family devoted to solving problems for individuals, Andy learned the value of helping others while giving back to and improving one�s community.After graduating with honors from Stanford University in 1990, Andy worked as a legislative assistant in the office of Tennessee Congressman Bart Gordon. Seeing Congressman Gordon's attentiveness to his constituents' needs, Andy decided public service was where he could best serve his community.Andy graduated with honors from the University of Chicago Law School in 1994. Following law school, he worked as a law clerk for Judge Deanell Tacha of the United States Court of Appeals for the Tenth Judicial Circuit in Denver, Colorado.� During this time he also taught at Kansas University Law School as an adjunct professor.Elected to the State Senate in 2007 and re-elected to a second term in 2008, Andy became the Vice-Chairman of the Senate Democratic Caucus. During his tenure, he worked on key legislation like Tennessee Works, First to the Top, and Complete College Tennessee and served on the Senate Education and Transportation Committees. In 2008, he was appointed by Governor Phil Bredesen to the State Workforce Development Board. In addition, the State Legislative Leaders Foundation nominated him to attend its Emerging Leaders Program at the Darden School at the University of Virginia Business School. He attended the 31st American-German Young Leaders Conference in Germany. Recently, he was honored by the Tennessee PTA as the 2012 Legislator of the Year and the Tennessee Education Association's 2012 Friend of Education Award for his commitment to improving public education across Tennessee. Previously, the County Officials Association of Tennessee had named him its legislator of the year, as had the Southeast Tennessee Development District. Lipscomb University's Institute for Sustainable Practice awarded him its Public Official of the Year.Andy is a past President of the Chattanooga Association for Justice, and was a charter member of the local chapter of the Inns of Court. Prior to his election as Mayor, he worked as a board member of the Siskin Children�s Institute, the local public television station, WTCI, the Chattanooga Nature Center, and the Tennessee Holocaust Commission.� At his daughter�s elementary school, Normal Park Museum Magnet, he has been on the PTA board and worked on the Superintendent�s Parent Advisory Committee.Andy was elected to serve as Mayor of Chattanooga on March 5, 2013, winning over 70% of the electoral vote. Andy has focused his public service on making streets safer, providing every child with the opportunity for success, promoting economic and community development, and ensuring that government budgets on outcomes and effectiveness. Andy is married to Monique Prado Berke and they have two daughters: Hannah, who is in eighth grade, and Orly, a fifth grader.

Ed Pawlowski is a leader with skills honed by experience. A center-city Allentown resident for over a decade, Ed knows first-hand both the struggle and the potential Allentown faces. He cares passionately about the future of the city he chose to make his home.In 2005, Ed was encouraged to run for mayor by business and community leaders. His supporters were quick to point out that Ed�s leadership and experience were the only hope for a city that had been so recklessly managed for years. Voters in Allentown elected Ed and then showed renewed confidence by re-electing him by a nearly 3-1 margin in November 2009, winning every single voting district in the city for a second term.The tenure of the Pawlowski administration has been characterized by action, purpose, a strong sense of urgency, and endless energy.Over the past few years, Ed has worked tirelessly to improve Allentown. No less than a half a billion dollars in new development projects have sprung up in every section of our city.Since his first day as mayor, Ed Pawlowski promised that he would �build a better Allentown� by making City Hall a catalyst for change. He has worked hard to fulfill that promise.� The incidence of violent crime has decreased nearly 30% in the past few years.Ed received his master�s degree in urban planning and public policy from the University of Illinois and his bachelor�s degree from the Moody Bible Institute in Chicago, where he met his wife, Lisa. They have two children, Mercy and Alex, who both attend Allentown public schools.

Neil A. Grover was appointed the full time City Solicitor for Harrisburg, Pennsylvania in January 2014, where he oversees a wide array of legal issues encountered by a City working toward a fiscal recovery.� Prior to that appointment, Mr. Grover had been in the private practice of law in Harrisburg since 1988, working in a small firm and then as a solo practitioner for many years, with a practice devoted to civil litigation.Mr. Grover served as a founder, member and legal counsel to a taxpayer organization, Debt Watch Harrisburg, from its formation in October 2010, in the midst of the Harrisburg Debt Crisis.� The primary focus of the group was to fight for a just and fair debt solution for Harrisburg�s citizens, while demanding accountability from those who brought the City to the brink of ruin.Between July 2012 and December 2013, Mr. Grover served as Special Counsel to the Harrisburg City Council on matters related to receivership, mandamus, Pennsylvania�s Act 47 of 1987 and, ultimately, a negotiated recovery plan, which was eventually dubbed the Harrisburg Strong Plan.Mr. Grover is a 1988 graduate of the Catholic University of America�s Columbus School of Law in Washington, D.C.� He went on to earn a second law degree, as LL.M. in Trial Advocacy, from the James E. Beasley School of Law at Temple University in Philadelphia in 1998.�� ��

Stephanie Rawlings-Blake was sworn in as Baltimore�s 49th mayor on February 4, 2010. In November 2011, she was elected to her first full term as Mayor, receiving 87% percent of the vote in the mayoral general election. Mayor Rawlings-Blake has focused her administration on growing Baltimore�s population by 10,000 families over the next decade by improving public safety and public education and by strengthening city neighborhoods.Mayor Rawlings-Blake was elected to a top leadership position in the Democratic National Committee (DNC) to serve as Secretary, following the historic reelection of President Barack Obama. Mayor Rawlings-Blake also serves in key leadership positions in the U.S. Conference of Mayors (USCM). In 2010, she was elected by her fellow mayors to the USCM Board of Trustees. She is also a member of the Mayor�s Water Council, and the Criminal and Social Justice Standing Committee.In 2013, Mayor Rawlings-Blake presented, Change to Grow: A Ten-Year Financial Plan for Baltimore, the City�s first long-range financial plan. The plan includes a bold set of major reforms that amount to the most significant changes to the way the City does business in generations. The plan would help achieve the mayor�s goal to grow Baltimore by 10,000 families by eliminating a nine-year $750 Million structural budget deficit; allowing new investments in neighborhood infrastructure�including repairing roads and City facilities and rebuilding ten recreation centers; and providing a funding surge for the demolition of more than 4,000 vacant homes; all while reducing homeowner property taxes by more than 20% over the next ten years.In 2012, Mayor Rawlings-Blake worked with state leaders to pass the Civil Marriage Protection Act and subsequent state ballot initiative, allowing same-sex couples to obtain a civil marriage license in Maryland. When the new law took effect on January 1, 2013, Mayor Rawlings-Blake presided over the first same-sex marriages in Maryland�s history at a midnight ceremony at Baltimore�s City Hall.Mayor Rawlings-Blake has also worked to make Baltimore a welcoming city for immigrants. She signed a landmark executive order to protect new Americans from discrimination and increase access to public safety resources and City services for foreign-born city residents. In addition, Mayor Rawlings-Blake fought for a successful state-wide ballot initiative, known as the Dream Act, to provide in-state tuition rates and higher education opportunities for undocumented immigrant students that attended Maryland high schools.Rawlings-Blake served as City Council President from January 2007 to February 2010. She was first elected to the City Council in 1995, at the age of 25�the youngest person ever elected to the Baltimore City Council. She represented the council�s 5th District from 1995 to 2004 and the 6th District from 2004 to 2007, serving communities throughout West and Northwest Baltimore. As Council President, she chaired the City�s Board of Estimates, which supervises all purchasing by the City. From 1998 to 2006, Rawlings-Blake was an attorney with the Baltimore Office of the Public Defender.Rawlings-Blake is a member of Alpha Kappa Alpha Sorority, Inc., Epsilon Omega Chapter and a former at-large member of the Alliance of Black Women Attorneys. Rawlings-Blake has been honored with numerous awards. She was selected by The Daily Record as one of "Maryland�s Top 100 Women" in 2007 and 2011. The National Congress of Black Women named her a Shirley Chisholm Memorial Award Trailblazer. The National Association of Negro Business and Professional Women�s Clubs named her one of Baltimore�s "Young Women on the Move."Mayor Rawlings-Blake has served on numerous boards and commissions, including the Baltimore Convention and Tourism Board; the Baltimore Museum of Art; the National Aquarium in Baltimore; Baltimore Substance Abuse Systems, Inc.; Living Classrooms Foundation; the Waterfront Partnership of Baltimore; and Parks and People Foundation.Born on March 17, 1970, Rawlings-Blake is a 1988 graduate of Baltimore�s Western High School, and in 1992 she earned a Bachelor of Arts degree in Political Science from Oberlin College in Oberlin, Ohio. She received her Juris Doctor from the University of Maryland School of Law in 1995. She is a member of the Federal Bar Association and the Maryland State Bar Association. Rawlings-Blake is a member of Douglas Memorial Community Church. She lives in Baltimore�s Coldspring neighborhood with her husband Kent Blake and their young daughter Sophia.

New York City Comptroller Scott M. Stringer has dedicated himself throughout his public service career to building a strong middle class for the City�focusing on New York�s fiscal health and issues that matter to working people, including affordable housing, budget reform, school overcrowding and public safety.Mr. Stringer was elected to the New York State Assembly in 1992, representing Manhattan�s Upper West Side for 13 years, and won election in 2006 as Manhattan Borough President. He was elected Comptroller on November 5, 2013.As Borough President, Mr. Stringer transformed the office into a watchdog of government waste and mismanagement, issuing more than 50 reports on issues ranging from the Metropolitan Transportation Authority�s deficient funding to the need for fundamental reform of the New York City Housing Authority.As a trustee of the New York City Employees Retirement System (NYCERS), Mr. Stringer has worked to protect and grow members� pension dollars. He has promoted the integrity and professionalism of the pension fund and was one of the first to call for a ban on private placement agents. He has also called for more comprehensive risk assessment and management, and further diversification of pension investments to ensure the fund�s long term sustainability.Mr. Stringer has worked to create economic opportunity for New York�s middle class and those striving to get there. When Columbia, Fordham and New York Universities were looking to expand, he guided the process forward, protecting the essential character of surrounding neighborhoods while creating thousands of New York City jobs. In 2012, he released a blueprint on the future of New York City�s thriving tech economy, including recommendations to create entry-level middle class jobs and keep New York competitive on the world stage.Throughout his career, Mr. Stringer has been a strong advocate for open government and community engagement. He implemented sweeping reforms to the appointment process for Manhattan Community Boards, and launched initiatives to promote greater transparency in the budget process, giving New Yorkers a stronger voice in how government spends their tax dollars.A longtime champion of equal rights and opportunity for all New Yorkers, Mr. Stringer has fought hard for immigrant rights, speaking out on behalf of the DREAM Act and creating the first ever Immigrants Rights and Services Manual �published in English, Spanish, Chinese, Korean and Russian. He was one of the first co-sponsors of a 1995 bill in the state assembly to provide marriage equality, and passed landmark legislation protecting victims of Domestic Violence.

Kenneth M. Jarin leads Ballard Spahr's Government Relations, Regulatory Affairs and Contracting Group. Mr. Jarin represents both public and private employers in labor relations, contract negotiations, interest arbitration, employment discrimination litigation, and wage and hour disputes. He also counsels clients on matters related to the Fair Labor Standards Act and the Family and Medical Leave Act.Mr. Jarin has participated in administrative proceedings before the National Labor Relations Board and various state agencies. He is chief labor negotiator for the City of Philadelphia.Mr. Jarin served as Chairman of the Pennsylvania State System of Higher Education�s (PASSHE) Board of Governors from 2005 to 2011. In April 2013, he was named Chairman Emeritus of PASSHE by its board of governors.Mr. Jarin is the past Chairman of the Board of the Philadelphia Region of the Anti-Defamation League and a member of the ADL�s National Executive Committee. He serves as Chairman of the Board of Directors of the Chamber Orchestra of Philadelphia. Mr. Jarin formerly served on the Board of Directors for the Kimmel Center for the Performing Arts, the Penn�s Landing Corporation, and the Pennsylvania Interest on Lawyers Trust Account Board.Mr. Jarin was appointed by President Clinton to serve on the National Council on the Arts, the governing board of the National Endowment for the Arts, from 1994 to 1998. He also is former National Finance Vice Chairman for the Democratic National Committee and former Treasurer of the Democratic Governors� Association.Mr. Jarin is recognized in Chambers USA: America�s Leading Lawyers for Business in the area of labor and employment law, in the 2003/04 through 2006 editions and 2010 through 2013 editions. He appears in the 1995 through 2014 editions of The Best Lawyers in America for labor law and employment law.Mr. Jarin is a graduate of Duke University (B.A. 1972) and Temple University James E. Beasley School of Law (J.D. 1975).�

Until recently Mr. Gupta was the Chief Credit Officer and Managing Director at ORIX Public Finance, where he helped oversee �$1.5 billion in High Yield and investment grade Municipal assets including bonds, direct loans, mezzanine and convertible debt. Prior to joining ORIX in 2009, Mr. Gupta was a Senior Portfolio Analyst at Highland Capital Management, LP where he helped manage a $1.5B corporate portfolio of commodities, chemical and industrial assets including senior loans, senior/sub high yield bonds, preferred and equity investments. Earlier in his career he was active in venture investments and was the co-founder and executive team member of two companies, C-bridge Internet Solutions and Cinoni Inc. Mr. Gupta is a CFA charter-holder and holds an MBA in Finance and Accounting from the Wharton School of Business at the University of Pennsylvania where he was a Palmer Scholar. He also received an M.S in Chemical Engineering from the University of Notre Dame where he was a Union Carbide and Texaco Fellow, and a Bachelor of Technology in Chemical Engineering from the Indian Institute of Technology, Delhi.