Banco Popular de Puerto Rico

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.

Karen M. Morgan is an experienced consumer financial services attorney who counsels national mortgage servicers and financial institutions on compliance issues and legal risks under state and federal financial services laws and regulations. Ms. Morgan has handled the following representative work:Counseled a national mortgage servicer on compliance issues in an Examination by the Consumer Financial Protection Bureau; analyzed servicer's practices under financial services laws, including the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TlLA), and Fair Debt Collection Practices Act (FDCPA); and drafted responses to Examination requestsCounseled a national financial institution on legal risks under relevant state and federal financial services laws and regulations, including TlLA, the FDCPA, the Fair Credit Reporting Act (FCRA), the Servicemembers Civil Relief Act (SCRA), and federal bankruptcy statutesManaged a team of attorneys completing a loss mitigation and fair servicing internal investigation and loan file review for an international financial institutionAnalyzed the applicability of state financial services laws related to default servicing for a national financial institution for a 51-jurisdiction chart summarizing findings

Kelly Adkisson is an executive with Accenture Credit Services.

Arlene Hyde is senior vice president at CoreLogic. She is responsible for coordinating CoreLogic sales and business operations to design customer development strategies and provide solutions to the company�s largest clients. Prior to joining CoreLogic, Arlene was the founder and president of Hyde House Group, a financial services consulting company. Arlene also previously held several executive positions managing different business lines for JP Morgan Chase, CitiMortgage, Mellon Mortgage and Washington Mutual.With a solid background in operations management and P&L focus, Arlene has served in a number of leadership roles over the course of her career within a variety of business segments, including retail, consumer direct originations, correspondent and wholesale business lines, servicing and default management. She has more than 30 years of experience in the mortgage lending industry. Arlene earned a bachelor of science degree from Southern Illinois University.

David Elliott serves as chair of Burr & Forman LLP's �financial services litigation group and is a partner in the firm's Birmingham, Ala., office.

As Chief Investment Officer, Mr. Amaya is responsible for acquisitions, trading, portfolio management and operations. Prior to co-founding NS Capital Management, Louis Amaya co-founded and was the Chief Investment Officer at National Asset Direct, Inc., Capital Markets (NAD). As a result of co-founding NAD at the apex of the mortgage crises, Mr. Amaya was featured in Bloomberg Markets Magazine as a thought leader in the industry. At NAD Mr. Amaya was responsible for all aspects of the investment portfolio and operations.Mr. Amaya oversaw the creation of iServe Companies and xPlair Technology and continued to manage iServe's operations, Servicing, REO, Lending and technology platforms. Previous positions included the Director of the Servicing Capital Group (SCG) at GMAC RFC. Mr. Amaya created the SCG and through its platform, managed the risk and disposition of GMAC RFC;s multibillion dollar non-performing mortgage portfolio.Mr. Amaya founded and is the host of Capital Markets Today. Capital Markets Today produces Mortgage Markets Today, an internet talk radio broadcasts that provides relevant discussions with industry experts on topics ranging from capital markets, whole loan/MSR/secondary trading, real estate and mortgage lending.Mr. Amaya received his undergraduate degree from PLNU and his MBA from UOP.

Jay Buller is an attorney in the Atlanta office of Baker Donelson. He concentrates his practice in the areas of commercial and real estate litigation and has experience in matters related to mortgage servicing and mortgage fraud civil prosecution and defense.