Walter Menezes

Walter Menezes has more than 30 years experience in banking, including unit and business group leadership and management of lending, operations, credit, international and collections. He recently retired from HSBC, a Global UK Bank with $2.5 trillion in assets. During his 12 year tenure, he carried highly influential roles including Chief Credit Officer for the Credit Card business, President and CEO of the $11 billion Auto Finance business, President and CEO of the US Credit Card business and Group Executive managing HSBC's $90 billion Global Credit Cards and Auto Finance business.

Prior to HSBC, Walter worked for Wells Fargo Bank in restructuring and turnaround assignments in Retail and International banking. His assignments included managing their Mortgage servicing business, managing Latin American and Asia Pacific divisions and managing product for Installment Loans.

http://www.indiaprwire.com/pressrelease/information-technology/2009123140529.htm

Ed Combs

Ed Combs is an executive advisor to Fractal Analytics as well as the Principal of G Edward Combs Consulting, a California-based auto insurance consulting firm.  Prior to starting his own firm, Ed was the Senior Vice President of Marketing and Product Management for 21st Century Insurance, a California-based auto insurer distributing insurance products direct to consumers. Before 21st Century, Ed spent 22 years at Progressive Insurance.  He holds CPCU and ARM designations.  He is a former Board Member of the Insurance Institute for Highway Safety (IIHS), Highway Loss Data Institute (HLDI), and Advocates for Highway and Auto Safety.