Banco Popular de Puerto Rico

Jed Kolko, Chief Economist and VP of Analytics, oversees Trulia's research programs. Applying a background in economic development and research methods, he transforms real estate data, economic trends, and public policy debate into digestible insights for home buyers, sellers and renters. In Jed's prior role as Associate Director and Research Fellow at the Public Policy Institute of California, he led research projects and advised policymakers and business leaders on economic, housing and technology policies. Before his work at PPIC, Jed directed Forrester Research's consumer-technology market research, advising corporate executives on technology adoption and demand. Jed has also held positions at the Office of Federal Housing Enterprise Oversight (now FHFA), the World Bank and the Progressive Policy Institute.Jed earned his A.B. in social studies and his Ph.D. in economics at Harvard University.

Scott R. Gibson heads the operations for MountainView IPS. Mr. Gibson joined the IPS team in 2005 and is responsible for overseeing structured products valuation, whole loan analysis and cash-flow modeling. Scott�s team covers more than 4,500 private label RMBS, ABS and CMBS. He has over 14 years of experience in financial analysis and structured products valuation, and his background covers all aspects of structured product analysis, including project management, model development, process control and client presentations. He holds a Bachelors of Science degree from Lehigh University.

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.