Banco Popular de Puerto Rico

Robin Hannah is the vice president of correspondent eBusiness at Wells Fargo Funding and is a member of Mortgage Technology magazine’s Advisory Board.Hannah began her mortgage banking career 20 years ago, holding various management positions with America’s Mortgage Group, Prudential Home Mortgage and Norwest Mortgage in both correspondent and wholesale lending. For the past six years, she has been responsible for strategic initiatives, with her primary focus being the advancement of e-lending automation.Robin is an active member of MBA’s ResTech committee and is a Certified Mortgage Technologist with the Mortgage Banking Association.

Amy has been involved in the real estate business since 1985, spending five years as a Realtor before a friend lured her into the mortgage business as a loan officer. Amy is now a vice president and regional sales manager for Wintrust Mortgage and she is based in Needham, Mass. . A well respected industry leader, Amy regularly shares her knowledge via her �Fairway Promise� blog to keep clients and industry related professionals apprised of the latest news, trends, and tips in the mortgage industry.

Bill Frick first came to Moody's Investors Service in June 2005 as vice president–senior analyst, responsible for running the day-to-day operations of Moody’s servicer quality ratings team. In November 2006, Mr. Fricke was promoted to vice president–senior credit officer. Prior to joining Moody’s Mr. Fricke was at PHH Mortgage, formerly known as Cendant Mortgage, where he was a director of investor accounting and REO claims for one of the largest residential mortgage servicers in the U.S. In addition, while at PHH, Fricke managed the servicing relationships between PHH and third parties including Merrill Lynch, American Express and Lehman Brothers.Prior to PHH, Mr. Fricke spent nine years at Fannie Mae where he headed up a group responsible for monitoring and auditing Fannie Mae approved residential mortgage servicers in the Northeast region. In addition to monitoring, the group provided a wide range of consulting to large Fannie Mae servicers. Mr. Fricke began his career 1984 at Meritor Savings Bank (formerly P.S.F.S. Bank) where he was the residential mortgage servicing manager.

Fred Gooch is General Counsel and Vice President of Compliance for DocuTech Corporation. DocuTech is a provider of documentation technology and compliance services for the mortgage industry. Fred manages the legal and compliance department for DocuTech, which ensures its products and substantial document library comply with all federal, state, local, agency and investor regulatory requirements. For the past eight years, he has focused his practice on helping mortgage lenders manage their strenuous regulatory burdens through the use of technology. He also manages a law practice that specializes in the preparation of documents for Texas mortgage lenders. Fred is an active participant in mortgage industry advocacy and commentary; he participates on MBA�s Legal Issues and Regulatory Compliance Committee and has focused his recent efforts on the RESPA/TILA workgroup. He frequently publishes articles in industry publications and on the DocuTech compliance website. He received his B.A. in Economics from Utah State University and his J.D. from the University Of Idaho College Of Law. Fred is a member of the state bars of Idaho and Texas.

Mr. Lane serves as director of mortgage administration for Fifth Third Mortgage Company. He is responsible for managing several senior leaders within the Mortgage Company across both sales and operations. Prior to serving as director of mortgage administration, Mr. Lane served as director of business support and control, as a mortgage optimization manager and as a senior business analyst for Fifth Third. Prior to joining Fifth Third, he served as a branch manager for Wells Fargo Home Mortgage. Mr. Lane earned his bachelor’s degree in education from Miami University in Oxford, Ohio. Mr. Lane is a member of the Mortgage Bankers Association. He also is actively involved in his community in Mason, Ohio. Mr. Lane serves as president of the Mason Scholarship Foundation and is a member of the Mason Kiwanis Club. He previously served as a board member of the Festivals of Mason and as vice president of the Greenbrier Community Home Owner’s Association in Mason, Ohio.

Rick Grant is a principal of Jim Thorpe, Pa.-based RGA Public Relations (RGA), a company he founded in early 2007 to provide businesses with customized strategic communications solutions. The firm currently serves some of the most successful firms in the US mortgage lending industry. Prior to launching RGA, Grant founded Texell Interactive Media, a production company delivering electronic audio and video content for Web-based marketing. The company won an award for business podcasting in 2006 and was sold to a prominent public relations firm.Before following his entrepreneurial interests, Grant spent more than a decade as one of the nation’s leading financial industry-focused trade journalists. His articles have been featured in national newspapers, magazines and online publications and he is recognized as one the first bloggers in his industry. Grant is frequently featured in the financial industry’s top publications as a contributing writer and is often asked to share his expertise by speaking at national conferences and hosting seminars.

Kevin Osuna is vice president and director of default services for Gateway Mortgage Group LLC, a complete end-to-end mortgage banking firm that offers origination, servicing and correspondent lending services.

An expert in the dynamics of mortgage and credit markets, Ren Essene is a Senior Policy Analyst on the Mortgage Markets team at the Consumer Financial Protection Bureau. Ren leads the Bureau�s efforts to reform the Home Mortgage Disclosure Act (HMDA). Previously she served as a Supervisory Policy Analyst for the Board of Governors of the Federal Reserve System and co-authored a book chapter with Allen Fishbein entitled, �The Home Mortgage Disclosure Act at Thirty-Five: Past History, Current Issues� for Moving Forward: The Future of Consumer Credit and Mortgage Finance (Brookings Press). Prior, Ren conducted research and engaged in policy efforts at the Federal Reserve Board, Federal Reserve Bank of Boston and the Joint Center for Housing Studies at Harvard. She is a co-editor and lead author in the recently published book, Revisting CRA: Perspectives on the Future of the Community Reinvestment Act. Other publications include Understanding Mortgage Market Behavior: Creating Good Mortgage Options for All Americans, and Consumer and Mortgage Credit at the Crossroads. Prior to her national policy work, Ren spent twelve years as the founding Executive Director of homeWORD, an award winning, community-based development organization in Montana. Ren earned her Masters in Public Administration from the Harvard Kennedy School and her B.S. in Architecture from the University of Illinois.

Jonas Moe is vice president of product strategy for Ellie Mae® (NYSE: ELLI), a leading provider of enterprise level, on-demand automated solutions for the residential mortgage industry. He has extensive product management experience and has been a driving force behind the evolution of many Ellie Mae products for more than a decade. Mr. Moe is responsible for strategy, development, and achieving quality and revenuegoals for all of Ellie Mae’s product lines. These include Encompass360® software,DataTrac® and a new best-of-breed Encompass360/DataTrac offering that is beingdeveloped.During his 12-year tenure at Ellie Mae, Mr. Moe served as group product manager for CenterWise, an all-in-one electronic document management (EDM) and retail website package, and developed the Encompass360 Resource Center, which providesEncompass360 users with online training, and technical support and materials. He alsoproposed and co-founded EllieCares, the company’s volunteer community outreachprogram. Mr. Moe has a Bachelor of Science degree in Restoration Ecology from the Universityof California at Davis.