Banco Popular de Puerto Rico

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.

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�