Banco Popular de Puerto Rico

John is the CEO and a founder of NextJob, a national company driving innovation in the reemployment and outplacement industries. Among its industry firsts, NextJob launched the nation�s first lender-sponsored homeowner reemployment service with Fifth Third Bank in 2012, helping homeowners at risk of foreclosure land jobs and keep their homes. NextJob works with three other lenders in this new approach, including M&T Bank. Working with employers, NextJob partnered with Equifax Corporation to launch the unemployment claims management industry�s first reemployment service in 2009. It also piloted Utah�s state online workshops as a work search requirement for unemployment insurance in 2011, driving strong improvements in integrity and reduced unemployment spells. John also serves as the President of the American Institute for Full Employment, a nonprofit think that develops best practice reemployment programs and consults with state government workforce agencies. There, he has developed model reemployment policy and program designs with the American Institute since 1998 for a number of state agencies across the US, including helping advance the $40 million Texas Back to Work initiative that won US Department of Labor�s 2010 Innovation Award. He has written on topics such as reemployment best practices, hiring statistics, job board innovation, unemployment insurance tax structure efficiency, wage subsidy programs, implementation of the Workforce Investment Act and the American Institute�s nationally-published state unemployment report cards. Most recently, John has written expert testimony for the Institute�s appearance in U.S. House of Representatives and the U.S. Senate Finance Committee hearings on job creation and unemployment policy. John has taught business planning and practiced law for 20 years in business and employment law and mergers and acquisitions. He holds a B.A. in Economics from Bucknell University and an MBA in Entrepreneurship and a law degree from the University of Pittsburgh. John enjoys job coaching and life coaching is also certified as a Stephen Ministry life coach.

Al Crisanty is vice president of national wholesale production for�360 Mortgage Group, a privately-owned mortgage banker, with a 100% focus on third party origination. Crisanty is responsible for overseeing regional sales managers. He may be reached by phone at (916) 761-1624 or email�him at acrisanty@360mtg.com.

Silas Ellman is co-founder at RGR Marketing/ReallyGreatRate Inc. He can be reached at silas@rgrmarketing.com.

John Chiles is an attorney at Burr & Forman LLP, Birmingham, Ala.

Scott Compton has an extensive background as an executive in the mortgage industry and currently serves as the Divisional Production Executive for Plaza Home Mortgage Inc. Scott�s focus is on creating a process to help his partners build their book of business through strategic partnerships which includes quality training, planning and compliance. As a national speaker on the mortgage market, Compton is a well rounded executive who believes in building mature businesses one successful milestone at a time. Not afraid of performance measures and hard work, Compton strongly believes in the importance of establishing a positive company culture that directly and indirectly serves all employees and consumers at the highest levels of quality. Scott has a demonstrated track record of building business while working with his partners to help them build theirs. His ability to organize synergistic partner relationships to grow revenue and to add client value is unparalleled.

Tom is a Senior Counsel in the CFPB�s Office of Regulations, where he is playing a leading role in the development of CFPB�s upcoming proposed rule amending the reporting requirements under Home Mortgage Disclosure Act.� Tom also played key roles in the development of the Ability-to-Repay/Qualified Mortgage rule, the TILA-RESPA Integrated Mortgage Disclosure rule, and the CFPB�s eRegulations initiative.� Prior to joining the Office of Regulations, Tom worked as legal counsel for mortgage systems providers Mavent and Ellie Mae.���

Debbie Hoffman is the Chief Legal Officer at Digital Risk, LLC, and the Head of Legal, North America, for Mphasis, an HP company.� Debbie oversees legal, compliance and risk within the organization and is responsible for legal oversight of contracts, employment, litigation, intellectual property and governance.� Prior to joining Digital Risk, Debbie was attorney at Thacher Proffitt & Wood, LLP and was a professor of law at the University of Central Florida. Debbie earned a BA from the University of Michigan and a JD from Albany Law School. Debbie was awarded a 2015 Stevie� for Woman of the Year, a 2014 Stevie� for Female Executive and was a 2014 Woman of Influence by Housingwire Magazine.��