Banco Popular de Puerto Rico

Randy Schmidt, President of Data-Vision, Inc., became involved in the IT side of mortgage banking almost 25 years ago when he joined Data-Link Systems, Inc., to work on their loan servicing system. He quickly moved into the company�s newly emerging PC-based origination division as one of its founding personnel. In 1993, Mr. Schmidt co-founded Data-Vision, Inc., in Mishawaka, Indiana as a Web design company. He combined his previous mortgage experience with Internet knowledge to make Data-Vision one of the premier online mortgage technology companies around today. In fact, Mortgage Banking magazine recognized him as one its 2005 Mortgage IT All-Stars.

Shaivali�s experience spans 9 years, working within the customer and digital domains at Fortune 100 companies and organizations in Europe and Asia. She leads PwC's Experience Radar solution which builds rich intelligence around what experience means to today�s global consumer. She helps clients employ analytics and customer understanding to create differentiated experiences across sectors spanning travel to banking. Her team�s work has been featured in the New York Times, Fortune, Forbes and USA Today. Prior to PwC, she worked in industry at American Express and GE and for non-profits where she explored the interconnection between people, culture and business through education and microfinance. She holds a B.A. and M.B.A from the University of Michigan and resides in New York City.

Dave Gallegos is a branch manager for Fairway Independent Mortgage Corp. He is a 16 year industry veteran who owns and operates offices in the Denver Metro Area. You can contact Dave via e-mail at daveg@fairwaymc.com, or 303-347-7575.

Tracy Starr is a financial and environmental litigation attorney in the Atlanta office of Baker Donelson.

Steve Ozonian is president and CEO of Williston Financial Group.

Paul Imura has a proven track record driving profitable growth at Fortune 500 and global mortgage services companies. With over 25-years in the mortgage industry, he has held senior leadership positions in marketing, product development, risk management, finance, technology, analytics and business development at global organizations such as ISGN, Accenture, GE, AIG and Allstate.Imura has a deep understanding of housing finance in U.S. and international markets including Asia, Europe and South America. He has designed numerous profitable mortgage products with a focus on borrower safety and security, especially for first time homebuyers. Prior to the housing crisis, Imura made an insightful prediction at the 2005 Mortgage Lending Diversity Conference on pending problems from risky mortgage products mismatched to borrowers based on a mathematical framework.Imura is currently the Chief Marketing Officer of ISGN Corporation and President of ISGN Solutions Inc., where he is responsible for marketing, product innovation, solutions architecture and growth initiatives. Since 2012, he has driven transformational changes at ISGN such earning numerous industry awards for innovation (like the Mortgage Technology Release of the Year) and market leadership, as well as growing brand awareness.Imura currently serves on the Board of Directors for ISGN and has also served on the Asian Real Estate Association of America (AREAA) board, a nationwide trade association focused on improving homeownership rates. Imura currently advises new lending platforms such as Solution Lending Services as a board advisor to areas of product innovation with a balance against risk management.Imura holds a degree in Economics from the University of California, Berkeley and is an Accredited Mortgage Professional from the School of Mortgage Banking. He is also certified in Six Sigma by GE’s Quality program. Imura currently resides in Cary, North Carolina with his wife Karen and has two sons who attend the University of North Carolina, Chapel Hill.

David Fiderer has previously worked in energy banking for more than 20 years. Prior to then, he worked in international tax law. He has written extensively about the financial crisis and is currently working on several projects concerning housing finance. His e-book on Fannie and Freddie is currently being updated to include GSE policy under the Obama Administration and will be published in hard cover.

Terry Moore is senior managing director and global head of Accenture Credit Services�

Christopher is an investment banker and author who lives in New York Cit . He is Senior Managing Director and Head of Research at Kroll Bond Ratings Agency . Over the past three decades, he has wo rked for financial firms such as Bear, Stearns & Co., Prudential Securities, Tangent Capital Partners and Carrington . He was a co-founder and principal of Institutional Risk Analytics from 2003 through 2013, when the firm was acquired by Total Bank Solutions. Christopher is the author of the December 2010 book, "Inflated: How Money and Debt Built the American Dream," now in a second printing from John Wiley & Sons. He is completing a new book co-authored with Frederick Feldkamp entitled �Financial Stability: Fraud, Con fidence & the Wealth of Nations� scheduled to be published by John Wiley & Sons in the second half of 2014. Christopher is a member of the Advisory Board of Weiss Residential Research in Natick, MA He is a fellow of the Networks Financial Institute at Indiana State University. Christopher is a member of the Finance Department Advisory Council at the Villanova School of Business and a member of the Economic Advisory Committee of the Financial Industry Regulatory Authority (FINRA). Christopher is a member of the National Association of Business Economists. He is a member of Professional Risk Managers International Association and was regional director of PRMIA�s Washington DC chapter from 2006 through January 2010. Christopher currently writes a twice weekly column, Washington & Wall Street, on the Breitbart News web site . He also contributes articles to Zero Hedge, American Banker, Housing Wire and The National Interest. Christopher has testified before Congress , the Securities and Exchange Commission and Federal Deposit Insurance Corporation on a range of financial, economic and political issues . He appears regularly in such media outlets as CNBC, Bloomberg, Fox News and Business News Network. He is active in social media under the Twitter handle �rcwhalen�.

Courtney Gilmer is a bankruptcy and creditors' rights shareholder in the Nashville office of Baker Donelson.