Banco Popular de Puerto Rico

Erik joined Stifel Nicolaus in 2006 to create and develop the mortgage finance and whole loan trading group. As the whole loan trader, Erik analyzes, prices and trades performing, sub and non-performing residential, commercial and consumer loans on a daily basis. Erik came to Stifel from U.S. Mortgage where he was Senior Vice President of Capital Markets from 2004 to 2006. With a strong background in analytics and deal management while with Bear Stearns and Sandler O�Neill, Erik transitioned into whole loan trading in 2000 when he joined PAMEX Capital Partners, LLC (PAMEX was later acquired by Hanover Trade, Inc. in 2001). He has successfully marketed over $10 billion in loan portfolios. Erik has been quoted on Bloomberg and publishes �Trends and Color in the Whole Loan Market� on a quarterly basis.Erik holds a B.A. in economics and in history from the University of Michigan.

Allison Brown is the Program Manager for Mortgage Servicing within the Office of Supervision Policy at the Consumer Financial Protection Bureau in Washington, DC. Ms. Brown oversees mortgage servicing examinations and development of procedures for these exams. Before coming to the CFPB, Ms. Brown was an attorney in the Division of Financial Practices at the Federal Trade Commission for over 11 years. There, she worked on mortgage issues, debt relief issues, and other consumer finance issues.

Joaquin Benitez personally experienced foreclosure and is the author of the new book, The Foreclosure Phenomenon: How to Defend Your Home from an Impending Foreclosure.

Charles E. Brown is Senior Vice President and Director of Compliance for EagleBank, where he focuses on (i) assessment and mitigation of business and operational risks impacting banking regulatory compliance; (ii) evaluating and monitoring compliance related operating policies, procedures and business processes; and (iii) staff development, training, and performance management. He has headed internal audit units with responsibility for credit policy and counterparty risk management, structured credit enhancements (mortgage), mortgage asset acquisition, servicing, and loss mitigation for Fannie Mae. At EagleBank, Mr. Brown manages depository, lending and operational regulatory compliance. As Audit Director at Fannie Mae, he spearheaded risk and business reviews of proposals for mortgage credit enhancement transactions, business and loan product development initiatives and mortgage lending programs. As VP, Risk Management/Compliance Officer at Suburban Federal Savings Bank he managed independent reviews of residential real estate development and mortgage loan files for compliance with origination, underwriting, credit and servicing requirements in addition to managing bank regulatory compliance. Mr. Brown earned an MBA in the Executive Fellows Program, Loyola University Maryland, and is a Certified Regulatory Compliance Manager (CRCM) and former Certified Internal Auditor (CIA).

David Rasmussen is a 15-year mortgage industry veteran and senior vice president of operations at Veros.

Lowell Alcorn is a Managing Director at PricewaterhouseCoopers LLP and has over 30 years of lending and consulting experience. He has led a wide range of consulting assignments for the industry�s leading commercial, single-family mortgage and auto lenders covering business process improvement, systems integration, financial management, loss mitigation, technology selection and implementation. His clients include many of the top 10 mortgage lenders and he has several large-scale projects to improve technology and operations improvements.Lowell graduated with a BA in Economics from Catawba College and MBA in Finance from University of Georgia.

In a new position for Norcom Mortgage, Potter handles the federal and state regulatory and compliance requirements.� Potter chairs the audit committee, oversees the internal compliance practice, ensures compliance with the Dodd-Frank Act and maintains all state licensing requirements.� In addition, Potter represents Norcom on several industry tasks forces and association committees including the Mortgage Bankers Association�s Regulatory Compliance Committee and two Dodd-Frank related task forces � RESPA/TILA and Qualified Mortgage.� Potter is also a frequent speaker on Dodd-Frank, CFPB and related compliance topics for MassMBA, MBA of the Carolinas, and other regional banking associations.Jeremy Potter joins Norcom with experience in the government contracting community serving as a market analyst in the metro D.C. area for regulatory and policy issues at the market research firm INPUT Inc.� While with INPUT, Potter published several industry reports, hosted presentations, appeared on a bi-weekly radio show on Federal News Radio and authored posts on an industry blog. Potter graduated from the University of Connecticut School of Law where he served as an Associate Editor of the Connecticut Public Interest Law Journal and won an award for mock trial advocacy.� Mr. Potter published a note titled Legal Education and Moneyball: The Art of Winning the Game of Assessment in the Spring/Summer 2012 issue of Connecticut Public Interest Law Journal.� He joins Norcom with experience at the Connecticut Attorney General�s Office, Connecticut General Assembly and with Wiggin and Dana LLP in Hartford, CT.� He also has a B.A. in Political Science from the University of Mary Washington in Fredericksburg, VA where he graduated cum laude with honors.

Dan Mugge is vice president of technology solutions for the Asset Management & Processing Solutions business unit of CoreLogic. Dan manages business operations for our Asset Management related Software as a Services (SaaS) offerings. This includes setting the strategic direction for our technology platforms, managing the roadmaps and overseeing the architecture, development, testing and quality assurance teams supporting these platforms. Dan is also responsible for policies, procedures and standards to enhance enterprise governance, risk and compliance posture relative to our SaaS offerings. Since joining the company in 1997, Dan has held various technology, business development and business leadership roles including supporting operations, creating strategic initiatives, leading business transformation efforts and integrating several large joint ventures. Prior to joining CoreLogic, Dan held positions specific to web strategy and software development. He is a graduate of St. Cloud State University with a bachelor�s degree in physics as well as a master�s in Instructional Systems Technology from the University of Minnesota.

Pam is a distinguished regulatory expert with over 20 years of experience in compliance. In her career, Pam has served as a chief compliance officer, an educator and consultant for regional and national organizations, and as a Senior Examiner with the Federal Reserve. Her extensive knowledge of compliance, both as a consultant and an examiner, has made her an essential component to the success of Continuity Control as the Chief Compliance Strategist. Pam�s expertise enables her to swiftly decipher regulatory items, analyzing whether, and how, they pertain to each financial institution. Pam routinely speaks at banking conferences, symposia and compliance schools. Her insight and passion for the mission at hand are key to successfully guiding our Strategist team. She holds a B.S. from The Ohio State University, certifications from the American Institute of Banking and the Dearborn Financial Institute and has completed the rigorous Federal Reserve System Examiner Commissioning Program, equivalent to a banking M.B.A.