Banco Popular de Puerto Rico

Rick Cosgrove is a partner in the Banking and Financial Services Department at Chapman and Cutler LLP. He has extensive experience in the representation of domestic and foreign banking institutions and leasing companies in a wide variety of financial transactions involving the extension of credit to public sector entities, including credit enhancement and liquidity facilities, the direct purchase of tax-exempt bonds, derivative products, leasing, project finance, public/private partnerships, tender option bonds and other structured financings. Rick pioneered the development of direct purchase bond programs for several of the country’s largest banks and is a noted authority in this area.

Georgia Sanchez is the Assistant City Treasurer for the City of Austin where she manages the City’s $5 billion debt and serves as an Investment Officer for the $1.8 billion investment portfolios. Georgia has nearly 20 years of public service with the City of Austin, with 13 of those years concentrating in debt, cash and investment management. Prior to her work in Treasury, she served as Capital Budget Manager, implementing and monitoring the Capital Improvements Program (CIP) Plan for the City of Austin. Georgia holds a BBA from The University of Texas at Austin.

Carlos Rubinstein was appointed chairman of the Texas Water Development Board by Governor Rick Perry on September 1, 2013. He served as a commissioner of the Texas Commission on Environmental Quality (TCEQ) from 2009�2013. He is the Texas representative to the Western States Water Council; the Border Governors' Conference Sustainable Development worktable; the Governmental Advisory Committee, which advises the EPA Administrator on environmental concerns regarding NAFTA, the North American Agreement on Environmental Cooperation; and the Commission for Environmental Cooperation. Rubinstein is a former member of the Texas Environmental Flows Advisory Group and of the Good Neighbor Environmental Board, an independent federal advisory committee that assists the president and Congress on environmental infrastructure needs along the U.S. border with Mexico. He has also served as deputy executive director of TCEQ and as Rio Grande Watermaster. He is the past Texas representative to the Border Governors' Conference Water worktable and a former city manager for the City of Brownsville. Rubinstein received a bachelor's degree in biology from Pan American University.

Mike Schulman is a partner in the Dallas office and Co-Chair of the Public Finance practice. He has substantial experience serving as bond counsel, underwriter’s counsel, disclosure counsel and issuer’s counsel in a wide range of public finance transactions involving state agencies and municipalities and in conduit bond issues. Mike also represents trustees, credit enhancers, and borrowers in a variety of taxable and tax-exempt bond issues. He currently serves on the Board of the North Texas Commission and has served as chair of the “Underwriter’s Counsel” panel of the Bond Attorneys Workshop sponsored by the National Association of Bond Lawyers (NABL).

Mr. Klausner is the principal in the law firm of Klausner, Kaufman, Jensen & Levinson. For 36 years, he has been engaged in the practice of law, specializing in the representation of public employee pension funds. The firm represents state and local retirement systems in more than 20 states. Mr. Klausner has assisted in the drafting of many state and local laws on public employee retirement throughout the United States. He is a frequent speaker on pension education programs and has also published numerous articles on fiduciary obligations of public employee pension trustees. He is co-author of State and Local Government Employment Liability and is the author of the first comprehensive book on the law of public employee retirement systems, State and Local Government Retirement Law: A Guide for Lawyers, Trustees, and Plan Administrators, originally published in April 2009, and an expanded version published in November 2012. For more than 15 years, Mr. Klausner has been listed in The Best Lawyers in America and holds an �AV pre-eminent� rating, the highest rating for competence and ethics, from Martindale Hubbell national lawyer rating service. In 2008, Mr. Klausner successfully represented the Commonwealth of Kentucky and the Kentucky Retirement Systems in the United States Supreme Court in Kentucky Retirement Systems v. Equal Employment Opportunity Commission, 128 S. Ct. 2361 (2008). Mr. Klausner graduated Phi Beta Kappa from the University of Florida with a bachelor of arts and from the University Florida College of Law with the degree of juris doctor.

Eric Werner is an Assistant Director in the Division of Enforcement at the Securities and Exchange Commission, working in the Fort Worth Regional Office.� Mr. Werner graduated from Washington University School of Law in 1995, and is a member of the Texas, District of Columbia, and Arizona bars.� During his tenure at the SEC, Mr. Werner has worked as an investigative and supervisory attorney, and also in the Enforcement Division’s Office of Chief Counsel.� Mr. Werner is currently a supervisor in the Complex Financial Instruments Unit, and was a supervisor for five years in the Public Finance Abuse Unit.� Mr. Werner has worked on matters involving virtually every aspect of the securities markets, including financial fraud, hedge funds, insider trading, market manipulation, municipal securities, offering fraud, broker-dealers, and investment advisers.

Ed Krenik is a Senior Principal for government affairs at Bracewell & Giuliani in Washington, D.C. With extensive prior service in senior staff positions in both the legislative and executive branches, he is uniquely qualified to guide corporations, industry coalitions, trade associations and nonprofit organizations through the legislative and regulatory aspects of government advocacy campaigns. His practice encompasses a range of issues, including energy, environment, consumer products, trade and manufacturing. Prior to joining the firm, Mr. Krenik served as associate administrator for congressional and intergovernmental relations at the U.S. Environmental Protection Agency (EPA). Managing a team of 85 professionals, he was instrumental in developing strategy for the Clear Skies initiative, clean water priorities, and other environmental legislation, such as the landmark Small Business Revitalization and Brownfields Rehabilitation Act. He served as EPA�s chief liaison with Congress and the nation's 50 state governors and legislators. He also served as the chief lobbyist for EPA before all Senate and House Congressional Committees.Prior to that, Mr. Krenik was legislative director and appropriations staff associate for U.S. Rep. Rodney Frelinghuysen, R-N.J., and also staffed all 13 appropriations subcommittees for the Congressman. Mr. Krenik oversaw a legislative staff of 5 individuals and planned and implemented all legislative strategy for the Congressman. He had similar responsibilities with Rep. Dean Gallo, R-N.J. While working for the House Appropriations Committee, Mr. Krenik primarily focused on energy, transportation, environment, health care, Army Corps of Engineers, and defense department and agencies budgets. Mr. Krenik's legislative achievements included work on the Oil Pollution Act of 1990, specifically the double hull phase-out for oil tankers provision, various superfund (CERCLA) bills and laws, the energy bill of 1992.He began his legislative career as a legislative assistant for former Sen. David Durenberger (R-MN), where he focused on issues under the jurisdiction of the Senate Environment and Public Works Committee as well as other energy and natural resources issues.He has a B.A. from University of Minnesota.

Malachy Fallon, Managing Director is responsible for coordinating analytical outreach and communications, including investor relations for the US Public Finance Department. Previously Mal was Lead Analytical Manager for the Municipal Enterprise Group consisting of healthcare, higher education, 501� (3) and public housing analytical teams within Standard & Poor�s Ratings Services U.S. Public Finance Ratings. From July 2009 to November 2010 Mal was Managing Director of Ratings Change Management. As the head of this initiative, Mal and the Change Management team worked closely with Standard & Poor�s analytical practices on the prioritization, sequencing and design of operational, regulatory, strategic and analytical quality initiatives. Earlier in his career, Mal was responsible for establishing the Standard & Poor�s regional office in Dallas, Texas. The office opened in 1996 and Mal served as senior analyst there covering eight states: Alabama, Arkansas, Kansas, Louisiana, Mississippi, Oklahoma, Tennessee, and Texas. In 2000, Mal was named Managing Director and head of the region. Mal started his career at Standard & Poor�s in U.S. Public Finance in 1983 in the New York office. In this role, he focused on ratings for various sectors of Public Finance including healthcare, higher education, utilities, transportation, and general obligation bond issues. In addition, he has been involved in ratings of state and local governments and utilities in Argentina, Brazil, India, and Mexico. Mal has a bachelor of science degree and master of business administration degree from Fordham University in New York.