Popular (BPOP) 10-Q 2021 Q3 Quarterly report

CERTIFICATION

EXHIBIT 31.2

I, Carlos J. Vázquez,certify that:

1. I have reviewed this report on Form 10-Q of Popular,Inc.;

2. Based on my knowledge, this report does not contain any untrue statementof a material fact or omit to state a

material fact necessary to make the statements made, in light of the circumstancesunder which such statements were

made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financialinformation included in this report, fairly

present in all material respects the financial condition, results of operationsand cash flows of the registrant as of,

and for, the periods presented in this report;

4. Theregistrant's othercertifying officerand Iare responsiblefor establishingand maintainingdisclosure controls

andprocedures(asdefinedinExchangeActRules13a-15(e)and15d-15(e))andinternalcontroloverfinancial

reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) forthe registrant and have:

a)

Designed suchdisclosure controlsand procedures,or caused suchdisclosure controlsand proceduresto be

designed underour supervision,to ensurethat materialinformationrelating tothe registrant,including its

consolidatedsubsidiaries,ismadeknowntousbyotherswithinthoseentities,particularlyduringthe

period in which this report is being prepared;

b)

Designedsuchinternalcontroloverfinancialreporting,orcausedsuchinternalcontroloverfinancial

reporting tobe designedunder our supervision,to provide reasonableassurance regardingthe reliabilityof

financialreportingandthepreparationoffinancialstatementsforexternalpurposesinaccordancewith

generally accepted accounting principles;

c)

Evaluatedtheeffectivenessoftheregistrant'sdisclosurecontrolsandproceduresandpresentedinthis

report our conclusions about the effectiveness ofthe disclosure controls and procedures, as of the end ofthe

period covered by this report based on such evaluation; and

d)

Disclosed in this report any change in the registrant’sinternal control over financial reporting that occurred

during the registrant’s most recent fiscalquarter that has materially affected, or is reasonably likelyto

materially affect, the registrant’sinternal control over financial reporting; and

5.Theregistrant'sothercertifyingofficerandIhavedisclosed,basedonourmostrecentevaluationofinternal

controloverfinancialreporting,totheregistrant'sauditorsandtheauditcommitteeoftheregistrant'sboardof

directors (or persons performing the equivalent functions):

a)

Allsignificantdeficienciesandmaterialweaknessesinthedesignoroperationofinternalcontrolover

financial reporting whichare reasonably likely toadversely affect theregistrant’sability to record, process,

summarize and report financial information; and

b)

Any fraud,whether ornot material,that involvesmanagement orother employeeswho havea significant

role in the registrant's internal controls over financial reporting.

Date:November 9, 2021

By: /s/ Carlos J. Vázquez

Carlos J. Vázquez

Chief Financial Officer