Panel I The Honorable Paul J. Bonicelli, Ph.D. Assistant Administrator Bureau for Latin America and the Caribbean U.S. Agency for International Development Panel II Manuel Orozco, Ph.D. Senior Associate Remittances and Development Program Inter-American Dialogue Mr. Ernesto Armenteros Chief Executive Officer Grupo Quisqueyana Mr. Kai Schmitz Executive Vice President and Chief Operating Officer Microfinance International Corporation