Banco Popular de Puerto Rico

Alice Alvey was co-founder of Mortgage U in 1996 and now heads Indecomm�s Mortgage Learning division. She has created customized mortgage training programs, including automated compliance Health Checklists and procedure manuals. She is the author of the FHA and VA Practical Guides now distributed by Indecomm. Alvey is a Master Certified Mortgage Banker and serves on the advisory board for Habitat for Humanity Michigan Fund. Previously she served on Fannie Mae�s Risk Management Advisory Counsel and in 2009 she received the James T. Barnes award for significant contributions to the mortgage banking industry.

Reid F. Herlihy provides regulatory and transactional advice for clients on a range of issues involving state and federal consumer finance laws. Mr. Herlihy counsels mortgage companies, servicers, consumer finance companies, financial institutions, investment banks, debt collectors, and secondary-market investors on state and federal regulatory compliance issues. Mr. Herlihy regularly assists clients with meeting state and federal licensing and approval requirements, including those related to stock and asset acquisitions. He has extensive experience with the SAFE Act and has counseled numerous mortgage companies, servicers, and third-party service providers on implementing those requirements. He also assists clients with state and federal examination issues and regulatory actions, and counsels clients on laws regarding advertising, fair debt collection, disclosures, loss mitigation, foreclosure procedures, and business practices. Mr. Herlihy frequently prepares multistate regulatory surveys and analyses on a wide range of matters concerning residential mortgage lending, brokering, and servicing, and assists companies in implementing new state laws and regulations.Mr. Herlihy authored the �Fair Debt Collection Practices Act� chapter of Mortgage Finance Regulation Answer Book 2011-2012, published by the Practising Law Institute.

Miller Ingenuity CEO Steve Blue (www.StevenlBlue.com) is a globally regarded business growth authority. In his upcoming book, �Outdo, Outsmart� Outlast: A Practical Guide to Managed, Measured and Meaningful Growth,� he reveals why seeking growth and surviving growth are equally perilous, and require different sets of plans to weather the storms. Follow Steve @MillerIngenuity.

Todd J. Fisher is the founder and chairman of Intraprise Solutions, a custom software technology firm.

Craig Freel, CFA, serves as Senior Vice President of Portfolio Management at RoundPoint Mortgage Servicing Corporation where he oversees RoundPoint�s MSR trading desk and its business analytics team. During his tenure at RoundPoint, Mr. Freel has also been responsible for all MSR acquisition activity and has led key initiatives to improve RoundPoint�s customer contract strategies, loss mitigation fulfillment, default management and analytics and reporting.

Mike has spent nearly 30 years in the mortgage and financial services industries. Prior to co-founding CrossCheck, he was associated with The Prieston Group, a firm he helped launch that provides fraud prevention, and indemnification services to the mortgage industry. Prior to joining The Prieston Group, he spent 16 years with Household International. During his career with Household, he served in a variety of positions, including national sales director of Household�s correspondent mortgage business and chief financial officer of Household�s consumer finance business, Household Finance. Mike began his professional career with the accounting firm of Ernst & Young and is a Certified Public Accountant.He is a graduate of the University of Notre Dame and has an MBA from the University of Chicago.

Andy is a Counsel in the CFPB�s Office of Regulations, where he plays a leading role in the implementation of the TILA-RESPA Integrated Mortgage Disclosure rule.� Andy also played a key role in the implementation of the CFPB�s January 2013 mortgage rules and in the development of the new rules under the Home Ownership and Equity Protection Act.� Prior to joining the CFPB, Andy worked at the law firm of Goodwin Procter LLP.�

Cameron Findlay is the director of secondary marketing, capital markets and chief economist at Discover Home Loans.�

Jessica Huseman is a New York City-based journalist covering housing, education and health. Her work has appeared in such publications as The Atlantic, ProPublica, Slate, The Dallas Morning News, and The Hechinger Report among others.She is a graduate of the Columbia Graduate School of Journalism, where she was a Stabile Fellow in Investigative Journalism. While there, she was awarded the Pulitzer Traveling Fellowship and the Fred M. Hechinger Award for Education Reporting.