Banco Popular de Puerto Rico

Roger Gudobba is the Chief Strategy Officer for Mortgage and part of the Senior Management Team at Compliance Systems. He has over 25 years experience and is a long time advocate of the importance of data quality and its impact on the industry�s move to a fully electronic mortgage. He has been actively involved with MISMO since its inception and an early proponent of the role of XML for data. Roger is a past winner of the Steve Fraser Award and the Lasting Impact Award from National Mortgage News.

John Bauer is senior vice president of Credit Services at CoreLogic.� He is responsible for managing strategic and operational initiatives for the CoreLogic Credco, TeleTrack, SafeRent and Jenark divisions, as well as CompuNet Credit Services.

Jim Rosen is the Vice President of Operations for Finale Document Services, the mortgage document preparation service offered by Accenture Mortgage Cadence. In this capacity, Jim oversees a team of seasoned professionals offering dynamic document preparation services to lenders on the Accenture Mortgage Cadence platforms and independent, directly integrated lenders across the lending spectrum. Finale Document Services supports automated document preparation for origination and servicing customers across the mortgage lifecycle. Jim holds a bachelor�s degree from the University of Colorado and has served in various capacities of the mortgage service industry for over 15 years, with particular depth and experience with residential mortgage document preparation.

Jessica Manna is VP & Chief Marketing Officer at Residential Finance where she directs offline and online lead generation, public relations, and brand management. Jessica was named #2 on Direct Marketing News� list of �Top 30 [Marketers] Under 30� and received an Executive M.B.A. from THE Ohio State University.

Kevin Cloyd, a 20-year veteran of the mortgage industry, is president of Carrington Property Services LLC, a national asset management company specializing in the preservation, management, rental and disposition of residential properties, with a focus on bank-owned properties.

David Walton is responsible for strategic technology direction and technology leadership with emphasis on software and systems architecture, SDLC process, ASP hosted operations, ALM, information security, and leveraged services. He has over 27 years of experience in software design, architecture, IT and business management. Walton began his career at Darby & Mitchell, Inc., where he served as COO, Project Manager, and Computer Systems Manager. He joined Fiserv in 1996 and has served in many roles at the business unit and corporate level, including VP Operations and CTO. Walton has led or served on numerous Fiserv technology/governance-related bodies focusing on architecture, fraud controls, infrastructure, security and technology integration.He is an MBA Certified Mortgage Technologist, has served on the Mortgage Bankers Association Residential Technology Steering Committee and was Co-Chair of the MBA Residential Technology Software and Services Subcommittee. He holds B.S. and M.S. degrees from West Virginia University.

Greg Holmes is national director of sales and marketing at Credit Plus Inc., Salisbury, Md. Credit Plus is a provider of credit and mortgage information services. He can be reached at beyondbundled@creditplus.com.

Accomplished financial services industry executive with extensive leadership experience, especially in the residential and commercial mortgage markets.� Has hands-on lending life cycle expertise, including loan servicing and as an executive of the financial and risk management divisions of large residential and commercial mortgage operations.� Most recently led the start-up of a de novo regulatory compliance organization at Freddie Mac (as Agent for the Department of the Treasury), known as Making Home Affordable-Compliance (MHA-C). Was subsequently charged with monitoring compliance activities of the nation's largest mortgage servicers.� As leader of the MHA Large Servicer Compliance, assembled a team of industry professionals, designed, implemented and executed a comprehensive compliance monitoring program instrumental in winning the confidence of principals at Freddie Mac and the Department of Treasury.� Earlier career roles included building and implementing the first regulatory compliance organization for Freddie Mac and later Chief Compliance Officer.

Randall Clark � Vice President of Client Services � Mr. Clark is a certified Project Management Professional, with more than 30 years of professional experience designing, implementing and operating highly complex information systems for the mortgage and financial industry. A seasoned professional delivering and supporting highly sophisticated solutions for complex client problems. He is highly experienced in supporting systems development lifecycle and large cloud-based systems in SaaS environments. He was formerly with Booz Allen Hamilton in their Federal IT sector working with Federal technology modernization with prior engagements as Program Manager for FHA and Ginnie Mae, preceded by many years of hands-on lending life-cycle experience as General Manager of a large scale mortgage subservicing operation with more than 200 staff. Mr. Clark is recognized as a creative leader with a detail-oriented acumen focused on delivering high quality, reliability, and excellent service.