Banco Popular de Puerto Rico

Mr. Brown is a founding principal and Chief Executive Officer of MarketWise Advisors, LLC which is a consulting advisory that specializes in financial services technology. Mr. Brown leads the strategic consulting practice for the mortgage industry with over as twenty years of mortgage banking and technology application development experience. Mr. Brown has focused his career on building, marketing and deploying mortgage solutions to solve interest rate, loan fallout and mortgage asset valuation issues including the development of loan origination, secondary marketing and servicing loan management applications. He has held senior management positions with GHR Systems, Tuttle Decision Systems and ALLTEL (currently LPS). He is a frequent industry speaker and contributor to mortgage banking publications.

Rick Roque brings over 20 years of business development, capital fundraising and industry experience having worked on both the lender and mortgage technology sides of the business.Rick started his career in the heart of Silicon Valley working for technology firms focusing on fundraising and client management in the U.S., Asia and the United Kingdom. The boom and bust of the dot com era led Rick to start his own company, SGI in 2001 which he later sold to his business partner in 2004. Since real estate and housing was a family business, Rick focused on identifying workflow management and technology delivery solutions (hosted Calyx Point and other technology solutions) while working with Wizmo, a leading SaaS provider in the United States.He raised money and helped launch PushMX Software a workflow automation solution built around Calyx Point and he later joined the management team at Calyx to manage all sales and business development activities in addition to all of Calyx’s largest client relationships. Since departing from his role in 2009, he started a consulting firm, MENLOCompany.com where he works to raise capital, define product strategy, gain client adoption and for lenders, to increase production and their operational strength. An industry speaker, Rick has spoken at over 50 banking conferences across the United States, Africa and Asia. Presently, Rick is a Board Member of PrimeSource Mortgage, a publically traded non depository bank.

Greg Hammermaster has 25 years of experience in banking, payment solutions and business software applications, and serves as president of Sage Payment Solutions.

Erin is the Director of Zillow Mortgage Marketplace and a mortgage expert for Zillow, the leading real estate and home-related marketplace. She leads Zillow�s efforts to empower consumers with information and tools to make smart decisions about financing homes. Erin is a recognized leader in the mortgage industry and recently was named as one of HousingWire Magazine� 2012 Women of Influence. She has held various roles in the mortgage industry throughout the decade. Most recently, Erin was the Senior Vice President at Bank of America where she led the Centralized Sales purchase home loan business. Before entering the mortgage industry, she worked at the Boston Consulting Group. Erin has a Bachelor of Arts from the University of Pennsylvania and a Masters of Business Administration from Harvard Business School.

Stephen Hanson is Senior Mortgage Regulatory Counsel for EverBank, a Federal Savings Association located in Jacksonville, Florida which has $18 Billion in assets. For the past four years, Mr. Hanson has supported all aspects of EverBank's residential mortgage origination and servicing operations. His current focus is on exam management and regulatory risk issues for the Servicing Division, including issues affecting vendor management. Prior to joining EverBank, he served as Senior Counsel to Wells Fargo for 10 years, supporting its residential mortgage division.

Sanjeev Dahiwadkar is the CEO of mortgage technology provider IndiSoft.

John Vella is COO of Equator. He joined Equator in April 2010 and is responsible for implementing the company’s growth strategy. Currently, Vella is leading the efforts to further expand the scope of the company’s EQ Workstation, a fully automated online system that provides financial institutions with tools for managing default servicing, and the EQ Marketplace, which acts as an ecommerce forum connecting financial institutions with loan servicers, servicing vendors and real estate agents.Vella has more than 27 years of experience in the mortgage industry. Prior to joining Equator, he was the executive vice president responsible for special servicing for GMAC/Rescap. Previously, he held roles as president and chief executive officer of EMC Mortgage (a subsidiary of JPMorgan Chase); CEO of Household Automotive; Chief Administrative Officer of Option One Mortgage and director at Freddie Mac and FDIC.Vella represents Equator as a panel participant or guest speaker at multiple industry tradeshows throughout the year. He is a graduate of Springfield College in Massachusetts as well as of the American Bankers Association and FDIC Credit School.

Lynn Effinger is a veteran of more than three decades in the housing and mortgage servicing industries and the author of a memoire, "Believe to Achieve � The Power of Perseverance."