Banco Popular de Puerto Rico

Michael Morris is executive vice president of real estate for Zions Bank and managing director of real estate capital markets for Zions Bancorporation. Morris is responsible for managing Zions’ Bank overall real estate finance platform. He currently chairs the Real Estate Senior Loan Committee and is also on the board of Zions Direct, the “broker dealer” arm of the Bank. Prior to joining Zions Bancorporation, he was with JP Morgan Real Estate, Banc One Corporation, and First Interstate Bank of California in Los Angeles. Morris received a bachelor’s degree from the University of Utah and attended Pepperdine University in the Grazadio School of Business and Management. He is the former Chairman of the Board of Trustees for Utah School and Institutional Trust Lands Administration (SITLA), is a director of the Kimball Art Center in Park City, Utah, is a board member of the University of Utah Ivory Boyer Real Estate Center, and was the founding Treasurer of The Utah Sports Commission. Professional affiliations include NAREIT, NAIOP and the Fisher Center for Real Estate, Haas School of Business, University of California Berkeley.

Steve Clinton is Senior Vice President of Servicing Operations in the Single Family Portfolio Management Division. In this capacity, he is responsible for all servicing related operations functions for Freddie Mac’s Single Family Loan Portfolio, including, Investor Reporting, Loss Mitigation, Foreclosure Alternative, Settlement, Expense, Credit Enhancement, Claims and Oversight. Previously, Steve was Vice President of Customer and Change Management within the Operations Management Group. Steve was responsible for operational and technical change management between Freddie Mac and our lender and servicer customers to ensure that they could continue to efficiently sell and service loans. In that role, Steve demonstrated that he is a trusted business partner across the company and is effective in getting initiatives, problems and transactions completed. Steve has worked at Freddie Mac for a total 17 years and has held a series of increasingly responsible positions, including, director roles in Single Family Pricing, Bulk Transactions and Mortgage Securities Marketing, and secondary marketing trading positions in Freddie Mac’s Security Sales and Trading Group. Prior to Freddie Mac, Steve held secondary market trading positions at E*trade Bank.Steve is a Chartered Financial Analyst and holds a Bachelor of Arts in Economics from the College of William and Mary in Virginia.

Mr. Moran is the Chief Compliance Officer for Saxon Mortgage Services, Inc., a Morgan Stanley Company. He has been a regulatory compliance officer in the financial services arena for almost twenty years, and has worked for several large U.S. financial institutions since 1993. He has deep knowledge of the regulatory issues surrounding mortgage and consumer lending, student loans and commercial lending. He has been a compliance manager at the Senior Vice President level or higher for nearly a decade. Mr. Moran is a licensed attorney and has been a member of the Washington State Bar Association since 1993. He received his BA in Political Science from the University of Washington in 1988, and his JD from the Gonzaga University School of Law in 1993. He was Articles Editor for the Gonzaga Law Review and has been a featured speaker at numerous legal and compliance conferences.

Gerald B. Alt is the President of LOGS Network. He manages the national operations division of LOGS and is also a partner in the firm of Shapiro Brown & Alt, LLP in Virginia and Maryland. Mr. Alt has been with LOGS since 1988. A licensed attorney, he has significant experience in handling complex real estate and title matters, having handled or supervised tens of thousands of residential foreclosures in private practice. He has a broad bankruptcy background, as well, having represented lenders, bankruptcy trustees, creditor committees, and other creditors in Chapter 7, 11, 12, and 13 bankruptcy cases. His practice included: residential and commercial evictions; land contracts; eminent domain; boundary disputes; title and survey cases affecting residential and commercial real estate; and commercial litigation at the state, U.S. District Court and U. S. Circuit Court of Appeals appellate level.From March 1993 until mid-1996, Mr. Alt served as Director of Legal Services for the HUD Section 312 servicer. He worked closely with members of HUD�s Washington staff , and he coordinated field counsel from that servicer�s offices in Rosslyn, Virginia. His experience in that position included dealing with congressional inquiries. In 2007 he created HEART Financial Services, which was a key participant in the loan modification programs under HAMP and assisted in over 350,000 successful loan modifications under that and other servicer loss mitigation efforts.Mr. Alt is also experienced in and plays a critical role in the development of various proprietary technical and software systems that have been released by LOGS. He is an acknowledged expert on default management and asset recovery risks, and he is a frequent speaker at industry conferences.

Jere Lucey is a Managing Director in the U.S. Real Estate Investment Banking Group at Jones Lang LaSalle in New York, where he is a senior leader in JLL Asset Resolution Services, integrating all Jones Lang LaSalle services required to deliver Value Recovery Services. Prior to joining Jones Lang LaSalle in July 2006, Mr. Lucey was in the New York office of Capmark Finance (formerly GMAC Commercial Mortgage), a leading provider of debt, mezzanine, preferred equity and equity to the commercial real estate industry. In his six years at Capmark, Mr. Lucey originated over $1.3 billion for clients including opportunity funds, REITs and private real estate owners in construction, interim and permanent financing, mezzanine and equity. Prior to Capmark, Mr. Lucey was in the Real Estate Finance Group at Donaldson, Lufkin and Jenrette, and prior to that he was in the Investment Bank at Prudential Securities where he managed five initial public equity offerings for hotel, office, industrial and retail companies. While at Prudential Securities, Mr. Lucey was part of the team that advised the Resolution Trust Corporation on their first commercial mortgage backed securitization.

As the principal Compliance advisor for Capital One's mortgage and home equity servicing and default activities, Robert is directly engaged in dealing with the significant challenges and issues facing the mortgage servicing industry today, including those related to the loss mitigation and foreclosure processes. Robert has more than 20 years of experience as an attorney, compliance professional, and examiner with a variety of financial institutions and with the regulatory agency who formerly supervised federal savings and loan associations. Prior to joining Capital One, he held positions as counsel and compliance officer for a $10 billion banking company in North Texas, as an attorney with Countrywide/Bank of America, advising on mortgage regulatory issues, as an attorney and consultant with Barefoot, Marrinan and Associates in Columbus, Ohio where he advised financial institutions on regulatory compliance issues authored several articles for compliance publications, and spent 11 years as the Chief Compliance Officer for a $10 billion bank in northeast Ohio. Robert is a graduate of the Ohio State University College of Law and Kent State University with a degree in finance. He is licensed to practice law in the state of Ohio. Prior to law school he spent nearly four years as an examiner with the Federal Home Loan Bank Board examining federally chartered savings and loans institutions across the country.

As the Vice President of Marketing at Quicken Loans, Matt and the Marketing Team are responsible for all lead generation, including broadcast advertising, online and mobile marketing, direct mail, e-mail and social media. They are also responsible for remarketing to past clients and increasing the conversion of leads already generated through Quicken Loans’ marketing programs and campaigns. The team also supports internal marketing for Quicken Loans. Matt joined Quicken Loans in 2004 as the Director of Internet Marketing and was responsible for leading and growing the Web Marketing Team and helping develop and execute on the company’s online strategies. This included developing the initial strategic direction of Quizzle, building out the company’s social media and content strategy, and working with the team to implement an online testing and measurement platform for the Quicken Loans websites. In 2009, Matt accepted the position of Vice President of Marketing. Prior to joining Quicken Loans, Matt decided to forego his senior year of high school and later enrolled at the University of Michigan, Ann Arbor where he earned his degree in History and Philosophy. His favorite part of working at Quicken Loans is being able to create opportunity and growth for his fellow team members and clients. His favorite ISM is “Numbers and Money Follow; They Don’t Lead.”

Danielle Oakley is a counsel in O’Melveny’s Newport Beach office and a member of the Financial Services and Securities Litigation practice groups. Danielle has represented clients in a variety of complex litigation matters including consumer class actions involving claims under the Fair Debt Collection Practices Act, the Truth in Lending Act, the Song-Beverly Credit Card Act, the Real Estate Settlement Procedures Act, the Equal Credit Opportunity Act, the Fair Housing Act, and numerous states’ unfair-competition, false-advertising, and other consumer-protection laws, and represents financial institutions in litigation and regulatory proceedings relating to mortgage-backed securities.She also represents clients in a variety of business tort actions, partnership disputes, and related commercial litigation. Illustrative Professional Experience Representing major financial institution before the Securities and Exchange Commission. Representing mortgage originator and affiliated entities in a case seeking rescission of the sale of dozens of mortgage-backed securities based on alleged violations of state securities laws. Advises mortgage servicers regarding compliance with OCC and OTS consent orders relating to residential foreclosure. Represents several mortgage servicers and originators in a number of state attorneys general investigations, class actions, and bankruptcy-related litigation. Obtained affirmance by the Ninth Circuit Court of Appeals of an order dismissing with prejudice false-advertising claims relating to periodical subscriptions. Obtained summary judgment of all claims in a putative class action alleging violations of various consumer-protection laws based on credit-card rewards program. Obtained dismissal with prejudice of putative class action asserting that the Truth in Lending Act requires mortgage servicers to provide new disclosures when modifying loans. Obtained summary judgment in mortgage servicer's favor of adversary proceeding alleging wrongful accounting and unreasonable assessment of fees to borrowers who have filed for bankruptcy under Chapter 13. Obtained dismissal of numerous putative class actions brought against mortgage servicers for allegedly wrongful foreclosure. Representing mortgage originator in putative class action alleging violations of fair-lending laws in residential mortgage underwriting. Representing mortgage servicer in putative class action based on interplay between anti-deficiency statutes and the FDCPA.

Mike is a former Mortgage Banker, Mortgage Broker turned “Tech Geek” who specializes in Social Media. He is a builder of engaging Custom Facebook Business Pages and WordPress blogs. Mike writes AreWeConnected.com, a blog dealing with social media and technology as it pertains towards real estate. He publishes articles in the San Francisco Examiner and the BusinessWeek Exchange. AreWeConnected is listed in Alltop and ranked by AdAge. He has been interviewed and quoted in articles for BankRate, Scripps, the San Jose Mercury News and others, (including the front page of The Wall Street Journal for writing mortgage related Haikus).