Banco Popular de Puerto Rico

Steve Wiser is CEO of Cleveland-based Specialized Business Software, a provider of custom software solutions for insurance, mortgage and financial services companies.

Mr. Rollins is a Managing Principal and Co-Founder of JCR. In addition to leading the firm and setting JCR�s overall strategy, Mr. Rollins� day-to-day responsibilities are primarily focused on transaction sourcing and underwriting. From 1999 to 2005, Mr. Rollins was a Managing Director at GMAC Commercial Mortgage, where his team focused on making opportunistic loans to transitional multi-family, retail, office, land and industrial properties. Prior to GMAC, Mr. Rollins was the President and Founder of Eastern Realty Corporation, an �RTC era� real estate investment company. As General Partner, Eastern Realty resolved, repositioned and sold the distressed notes and REO. These disposition efforts included debt restructurings, bankruptcy, litigation and development, as well as note and property sales. Mr. Rollins is a frequent speaker and guest lecturer on the topic of real estate finance at Universities. Additionally, he has written numerous articles on the topic of commercial real estate finance. In July 2007, his article �As Good As It Gets� was published in the National Real Estate Investor calling the top of the market. Mr. Rollins holds an MBA, specializing in Finance, from George Washington University and a BS in Finance and Marketing from Virginia Tech.

Mr. Hermelee is a principal and founder of Banc of Manhattan Capital and is a member of its management committee. Prior to joining the firm Mr. Hermelee was Executive Vice President of the investment banking subsidiary of the 10th largest U.S. bank, serving as a member of the start-up team as well as a leader in the organization for over ten years. Mr. Hermelee has also served as Senior Vice President at a boutique mortgage investment bank, where he helped establish one for the first electronic trading platforms for mortgage servicing assets. In addition, he has worked as a Director of one of the largest mortgage servicing hedging advisory practices, working with the largest savings and loans and mortgage companies in the U.S. Mr. Hermelee began his career at the Securities and Exchange Commission. Mr. Hermelee has a B.S. in Business at the University of Michigan.

Sue is a senior banker and responsible for client relationships and transaction execution for private label residential mortgage loan securitizations and structured lending facilities at Wells Fargo Securities, LLC in New York City. During her tenure at Wells, her primary focus has been the financing and securitization of non-performing and re-performing mortgage loans. Prior to her current position, Ms. Valenti was a Director of Residential Mortgage Securitization at Deutsche Bank Securities focused on the securitization of mortgage related products purchased and held by the mortgage trading desk. Her 28 year career in the industry has focused on the financing and securitization of both residential and commercial mortgage loans. She has worked at a number of firms including Bear Stearns, MBIA Insurance Corp., GE Capital, ContiFinancial and CS First Boston. Sue began her investment banking career at Salomon Brothers Inc as an analyst in the Mortgage Finance/Financial Institutions Group. Sue is a 1984 graduate of Bucknell University and holds a Bachelor of Science in Mathematics.

Alan Rabideau is the chief information officer at Residential Finance. He directs all of Residential Finance�s technology, telecommunications, wide and local area networking, desktop and applications support, IT security and disaster recovery, and records management. Since joining the company in 2004, Rabideau has directed the implementation of continuous innovations to enhance efficiencies that support the company�s growth.

James Harrington currently serves as Managing Director for Resurgent Mortgage Servicing and is responsible for third party sub-servicing and new business development for the mortgage servicing business. Mr. Harrington has over 19 years of industry experience. Prior to joining Resurgent, Jim was a Managing Director at Fortress Investment Group, and spent over nine years at Lehman Brothers, where he was a Senior Vice President in the Structured Products Finance and Trading business. During his tenure at Fortress, Mr. Harrington served in leadership positions in several industry groups including the Association of Mortgage Investors and the ASF.Mr. Harrington received an M.B.A from Fordham University in 1998.

Scott K. Stucky is the chief operating officer for DocuTech Corp., a provider of mortgage loan documents, compliance services and technology solutions for the mortgage industry. Founded in 1991 and headquartered in Idaho Falls, Idaho, DocuTech provides document preparation services in all 50 states. As chief operating officer, Stucky oversees the day-to-day operations of DocuTech including product management, information technology, development, compliance, professional services and client relations. Stucky previously served as executive vice president for DocuTech where he was responsible for all sales and marketing initiatives, and also managed a national sales team that provided DocuTech�s document and compliance services to the mortgage industry. Prior to joining DocuTech, Stucky gained financial industry experience working for companies ranging from ALLTEL Information Services to Brookfield, Wis.-based Fiserv. He served in a multitude of management roles including sales, business development, operations, implementations and product management over the course of his career.�His industry experience ranges from consumer and mortgage loan origination to loan servicing, collections, recovery and loss mitigation.�He owns a business development/sales consulting firm and is a frequent public speaker on the local, regional and national level.

Beth O�Brien is head of the residential capital markets group for Auction.com and President of AuctionFinance.com. Her responsibilities include running an investor bridge loan program, heading the residential note sales platform and overseeing coverage of institutional investors in residential mortgages and property. Beth has spent over 18 years in the real estate business both as a principal and as an advisor. Prior to Auction.com, Beth spent five years in the RMBS trading and securitization group at Citi predominantly on the Scratch and Dent desk and almost ten years at Goldman Sachs & Co. in the Real Estate Principal Investment Area in New York and Hong Kong. Beth also practiced law at Latham & Watkins in New York.

Brian Boike is the director of continuous improvement at United Shore Financial Services, headquartered in Birmingham, Michigan and he is a member of Mortgage Technology’s Advisory Board.Boike’s previous experience includes serving as a product manager at FIS and prior to that, as manager of business strategy and support at Flagstar Bank. He also serves on the MBA Residential Technology Forum Executive Committee and was a former chair and vice chair. He earned a B.S. from Bowling Green State University and an M.B.A. with a concentration in management information systems from Wayne State University in Detroit.

Anne Balcer Norton serves as the Deputy Commissioner of Financial Regulation within Maryland’s Department of Labor, Licensing and Regulation. Her July 2010 appointment was consistent with the O'Malley-Brown Administration's leadership in enacting sweeping foreclosure prevention laws and common sense mortgage regulation. Within the broad jurisdiction of the Office of the Commissioner of Financial Regulation, Ms. Balcer Norton oversees financial institutions ranging from community banks and credit unions to mortgage lenders and brokers to check cashers and debt management firms. Before her career in public service, Balcer Norton distinguished herself as the Director of the Foreclosure Prevention Division of St. Ambrose Housing Aid Center, the oldest housing non-profit in Baltimore City.While at St. Ambrose she implemented an innovative approach to offering legal services and housing counseling/budget counseling for low to moderate income individuals in Maryland facing foreclosure. The program has been replicated nationally.Prior to joining St. Ambrose, she served as general counsel for a national mortgage lender, where she was responsible for origination and secondary market regulatory compliance, state licensing and risk management oversight across twenty-four states.Balcer Norton has presented extensively on matters involving consumer protection, fair housing and mortgage lending. She has been invited to testify before Congress, the TARP Oversight Committee and in state and local legislatures on foreclosure and fair housing in Maryland and the District of Columbia. Balcer Norton has also presented extensively nationwide as an advocate for the underserved. She serves as the Vice Chairman of the Multi-State Mortgage Committee (“MMC”), a collective body of state regulatory agencies from across the country that strives for examination uniformity in mission, supervision, processes and professional development for state regulators. She participates on the Task Force on Consumer Compliance of the Federal Financial Institutions Examination Council, or FFIEC, a formal interagency body made up of the Board of Governors of the Federal Reserve, the Federal Deposit Insurance Corporation and other federal financial regulators.Notably, she was honored with the American Association of Residential Mortgage Regulators (“AARMR”) Distinguished Service Award in August 2012 for the efforts of Maryland’s Office of the Commissioner of Financial Regulation in leading the state regulatory agencies in collaboration with Attorneys General from 49 states, the Department of Justice and HUD in the recent $25 billion foreclosure robo-signing settlement. The Maryland Consumer Rights Coalition just announced that she has been named the 2012 Consumer Advocate of the Year.She received her J.D., magna cum laude, with honors, from the University of Baltimore School of Law and her B.A. from Randolph Macon College.