Banco Popular de Puerto Rico

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.

Jim Gallagher is Senior Vice President of Wingspan Portfolio Advisors, a Dallas-based diversified mortgage services company, and is the executive in charge of Wingspan Lender Services, the company�s mortgage processing, underwriting and closing services division.� He can be reached at Jim.Gallagher@WingspanPortfolioAdvisors.com.

David Tallman is a partner at K&L Gates LLP.� Working from the firm�s offices in Dallas, Texas, he has a national regulatory compliance practice, with particular expertise advising companies on federal and state laws regulating consumer financial services, payment systems, advertising and marketing, privacy, and information security.� He regularly assists mortgage servicing clients with regulatory compliance matters, including by structuring operations; drafting policies and procedures; developing compliance management systems and due diligence programs; performing regulatory compliance audits and risk assessments; representing clients in federal and state examinations, investigations and enforcement proceedings; drafting servicing and sub-servicing agreements; and assisting in litigation-related matters.� Mr. Tallman is a frequent lecturer at consumer finance seminars and conferences and recently co-authored the Mortgage Banker Association�s treatise on the new RESPA/TILA Servicing Standards. �

Irene Amato is a mortgage broker and owner of A.S.A.P. Mortgage, Cortland Manor, N.Y. She started the company in 2001, which now has three offices. Amato is also vice president of the New York Association of Mortgage Brokers.

Brian Chappelle is a founding partner of Potomac Partners in Washington, D.C.

Steven Stein is senior vice president of Market & Client Strategy for CoreLogic. He is responsible for the Market & Client Strategy teams in the Global Sales and Client Strategy group. He is responsible for developing and executing strategic vision for the company�s alternative credit businesses, which includes strategy, expanding market share, increasing revenues and maximizing profitability. Steven joined CoreLogic in April 2013. Prior to joining CoreLogic, Steven served in senior executive roles at the industry�s largest lenders and servicers, including CitiGroup, JPMorgan Chase and GMAC, where he managed origination production channels in both retail and wholesale business units. During his tenure at Chase he also developed and managed critical customer-facing functions in default management, and helped lead the development of the company�s modification programs to assist distressed borrowers. During his career, Steven has also served in leadership roles at Washington Mutual Bank, Inc., Prudential Home Mortgage/ Norwest Mortgage and Crossland Savings FSB.

Sam Kaddah is CEO of bFocused, Independence, Mo. His company produces the Liquid Logic LOS, which comes with a robust borrower portal. Sam can be reached at sam.kaddah@bfocused.net.

Mr. Sercy has fifteen years of loan collection experience, with eight of those years managing and running the specialty default collection. He has led & developed this business line that provided collections support services to clients including Citigroup, Fannie Mae, Ford Credit, Honda Motors, Accredited and EMC.In this capacity, he was also responsible for all facets of the business including technology integration, training, operations and business development. Prior to this, Mr. Sercy was at Citigroup responsible for special servicing agents.