Banco Popular de Puerto Rico

Ms. Brody concentrates on federal and state regulatory compliance and enforcement matters, primarily for financial services providers. She represents banks, mortgage lenders and consumer finance companies on a variety of issues, including fair lending, privacy, and information security. She also handles matters involving compliance with the Fair Credit Reporting Act, Home Mortgage Disclosure Act, Fair Debt Collection Practices Act and Real Estate Settlement Procedures Act.

Doug Danko serves as Vice President and Customer Group Manager for MERSCORP, Inc. Doug joined the company in 1998 as the Director of Sales & Marketing and was promoted to Vice President in 2004. As the Customer Group Manager, he is responsible for all customer-related activities including marketing and sales. Prior to joining MERS, Doug was a principal in a Virginia mortgage banking firm specializing in net branching, retail development and subprime originations. He also managed the daily secondary operations of United National Mortgage Corporation where he initiated the retail and correspondent divisions. Doug has been one of the top national wholesale originators at firms such as Sunbelt National Mortgage (currently First Horizon Home Loan Corp.), earning him the President’s Platinum Award twice, and NatWest Home Mortgage (then Fleet Mortgage Group, currently WAMU). Doug started his career as a loan officer for America’s Lending Network, a division of Standard Federal Savings Bank, in Maryland, where he was a top producer for several years. Doug and his wife live in Northern Virginia with their children. He holds a Bachelor of Science Degree from Edinboro University of Pennsylvania.

Joel spent over 25 years in senior Technology and Product Marketing positions at AOL and other web organizations building innovative solutions to difficult user problems. Joel drives the vision and direction for Medallion, relying on his deep product marketing and software development leadership experience to create powerful mortgage solutions for lenders and borrowers. Joel is the former CEO of NextAction, where he led the development of industry-leading data and analytical Online and Direct Mail targetingservices for Catalogers, Retailers, and eCommerce companies. Prior to NextAction, Joel spent nearly 9 years at AOL running Compuserve,Netscape, Mapquest, Wal-mart’s ISP business, AOL Instant Messenger, and ICQ. During his last two years at AOL, Joel led a 600 person software development organization supporting the AOL subscription service’s Billing, CRM, and Client services groups. Joel also spent 12 years in executive management and senior Marketing positions with Rogers Cablesystems, H. J. Heinz, and Campbell Soup Company. He began his career in Strategic Consulting at Bain and Company.

Mr. Chan serves as a Vice President for ComplianceEase, leading automated compliance provider. Michael manages national accounts, including top tier banking/mortgage institutions and Capital Markets firms, as well as government clients. He is also responsible for many of the various company-wide initiatives at ComplianceEase, including managing relationships with regulators on the e-Exam initiative.More notably, Michael spearheads the efforts in conjunction with the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR) to transform and shift the state mortgage examination process into a more automated and uniform environment not only to increase transparency but also promote uniformity. He regularly participates in industry trade group functions to help promote the importance and significance of automated compliance technology for the mortgage industry. With substantial experience in both the client support and integration capacities at ComplianceEase, Michael is knowledgeable in all aspects of how ComplianceEase's compliance and risk management solutions are deployed, implemented, and integrated into centralized and disparate environments. Prior to joining ComplianceEase, Michael served as an Information Technology Consultant to several technology firms in the Silicon Valley. Michael holds a BS in Computer Science & Engineering from the University of California, Davis. Michael received the Certified Mortgage Technologist - CMT designation from Mortgage Bankers Association (MBA).

Fred Melgaard is chief operating officer of Newport Beach, Calif.-based software provider DRI Management Systems.

Christopher M. George is the founder and President/CEO of CMG Mortgage, a mortgage banking and brokering company headquartered in Northern California. CMG is one of the largest and most respected mortgage companies in the San Francisco Bay Area and across the country. Since founding the company in his garage in 1993, Chris has grown CMG into a nationwide company employing roughly 500 professionals in retail and wholesale mortgage lending. Chris George is deeply committed to mortgage industry advocacy, and since 1982, has served on various advisory boards within the industry. He currently serves as Secretary for the California Mortgage Bankers Association. In recent years he also served as an advisor on the Western Regional Advisory Board for the Federal National Mortgage Association (Fannie Mae). George is actively involved in several community organizations including Habitat for Humanity, Bay Area Crisis Nursery as well as the Alameda & Contra Costa Food Banks. Chris and his wife, Teresa, are deeply involved with several organizations dedicated to organ transplants for children.

Orszag is a Bloomberg View columnist. He is a vice chairman of investment banking at Lazard. He was President Barack Obama’s director of the Office of Management and Budget from 2009 to 2010 and the director of the Congressional Budget Office from 2007 to 2008.

Melinda Zabritski is senior director of automotive credit at Experian.