Banco Popular de Puerto Rico

Doris Raimundi joined Saxon in 2010 as Vice President of Portfolio Management where she is responsible for oversight of Saxon’s Fannie Mae and Freddie Mac assets. Doris has over 14 years experience in default servicing and prior to Saxon was employed at JPMorgan Chase as Vice President over various collections and loss mitigation operational divisions. Doris has held a variety of management positions with JPMorgan Chase, EMC and HSBC and has a BA in International Relations from the University of South Florida and an EMBA specializing in International Business Management from the University of Miami

Dorothy Siple is a 22 year veteran at Fannie Mae, who is a Sr. Credit Risk Analyst, in Servicing Credit Risk Policy responsible for the Fannie Mae Servicing Guide. In this capacity, Ms. Siple leads the policy development efforts for new or revised Fannie Mae servicing policy. Her duties will include executing servicing announcements, examining risk elements of proposed servicing policy initiatives, and consulting business units on Fannie Mae servicing policy. Ms. Siple has served Fannie Mae in a variety of customer management roles, including the positions of Servicing Consultant and Credit Risk Manager. Dorothy holds a Master’s degree in Marketing from Lewis University, where she also received her undergraduate degree.

Jack Reed is a champion for middle-class families and a strong believer that, through hard work, all Americans should have the opportunity to build a better life. A former Army Ranger, Reed is a national leader on defense, housing, and economic issues. He has led efforts to promote responsible budgets, create jobs, and strengthen our economy.As one of just eight Senators in U.S. history to graduate from West Point, Time magazine noted: “Reed is a serious, intellectually honest veteran and an expert on defense issues in the Senate.” In 2008 the New York Times noted: “Mr. Reed has had a passion for housing issues throughout his career. Beginning in the early 1980s when, as a young lawyer, he did pro bono work for Amos House, a Providence soup kitchen and social service agency, and continuing after his election to the Rhode Island Assembly, the House and finally the Senate.”Recently, he authored laws to create a new affordable housing trust fund, improve consumer disclosures on mortgages, and address the needs of middle-class families who are struggling with the fallout from the housing crisis.

Jon is a member of PMI’s Loss Mitigation Strategy and Analytics team. He has with over 27 years of experience in the mortgage industry, with 21 years in the mortgage insurance business. His broad range of experience spans loan origination, default servicing, loss management, counterparty policy, risk management, structured finance and international mortgage risk. Jon is responsible for PMI’s borrower outreach campaign strategies and business partner initiatives.

Rose Mancini is Deputy General Counsel of HSBC-North America’s Consumer and Mortgage Lending business.Rose joined HSBC’s Household International’s business in September 1985 as associate general counsel for Household’s commercial real estate group. She was appointed general counsel for the retail services group in April 1991, then assumed the same role for HFC in 1993. In 1995, Rose was appointed general counsel and corporate secretary of Household’s auto finance operation, also serving in the same capacity for Household Bank, fsb, from July 1996 to October 1997. She became group general counsel in February 2004, with responsibility for HSBC-North America’s auto, mortgage services, insurance and taxpayer financial services law departments.Prior to joining HSBC, Rose was an attorney in the commercial real estate department of the Prudential Insurance Company of America in Chicago, Illinois. She received a Bachelor of Science degree in Psychology from the University of Illinois-Champaign/Urbana, and earned her Doctor of Law degree from the Illinois Institute of Technology-Chicago Kent College of Law in 1980.Rose participates with various trade associations, including Consumer Mortgage Coalition and Mortgage Bankers Association.

Jeff Lebowitz is known throughout the mortgage industry for his analytical series, MORTECH, the Survey of Business and Technology. Since 1988, MORTECH has looked at the many sides of how lenders relate technology to their businesses. Through scientific survey sampling, MORTECH quantifies lenders’ demand for and adoption of information technologies. His MORTECH research is based on his many years in market planning and business strategy development in the financial services industry.Jeff has been a senior planning and development officer for the premier financial organizations in the world – Citicorp, Chase Manhattan Bank and Fannie Mae. While at Fannie Mae he acquired and ran Fannie Mae Software Systems (now a part of ISGN). He also did an obligatory stint with an e-commerce start-up. Jeff served as chief technology and development officer for the electronic mortgage exchange, Pedestal.com. Jeff’s unique array of planning and development experience recommends him as a well-qualified observer and commentator on mortgage lenders and the technology they use.

Harry Gardner is the President of SigniaDocs, a national eMortgage solutions provider that supports legally compliant electronic mortgage documents for all 50 states at the investor, federal, state and local levels. He is a frequent speaker and writer on eMortgages, mortgage technology, industry standards and enterprise data management issues. He is a member of the Source Media Mortgage Technology Advisory Board, and is Chair of the MISMO Residential Standards Governance Committee. In October 2012, Gardner received the Steve Fraser Visionary Award at the Mortgage Technology Magazine annual awards ceremony. This award is �a lifetime achievement award that recognizes the accomplishments of an outstanding mortgage technology innovator, visionary or evangelizer.� Mr. Gardner was previously the Vice President of Industry Technology for the Mortgage Bankers Association, and was the President of MISMO, Inc. Mr. Gardner also managed the efforts of MBA�s various technology committees and task forces, and oversaw technology content for MBA conferences and educational classes. Named one of Mortgage Banking magazine�s 2009 eMortgage All-Stars, Gardner has worked with many related industry groups including the Property Records Industry Association (PRIA), Electronic Signatures and Records Association (ESRA), Appraisal Institute, American Land Title Association (ALTA), National Notary Association (NNA), US Notary Association (USNA), American Escrow Association (AEA), US Foreclosure Network (USFN), and Standards and Procedures for electronic Records and Signatures (SPeRS). Mr. Gardner has developed hardware and software technology solutions for more than 30 years, including electronic systems for the aerospace, broadcast and audio industries. Mr. Gardner has management and technical experience in electronics design, software development, ecommerce, government contract management and systems integration, and network systems support. Prior to MBA, Mr. Gardner was Director of Custom Integration with Ultraprise, a mortgage technology startup. In addition, he has worked for CACI International, W.J. Culver Consulting, CSDC, Delta Electronics, Litton Systems, Teledyne Avionics, and Amber Electronics. He has been certified in Novell and 3Com networks, and Ariba and Lotus Notes software. He has managed document imaging systems and software as well as database and Web development for a variety of e-commerce initiatives.Mr. Gardner holds a bachelor's degree in electrical engineering from the University of Virginia.

David Zugheri is the co-founder of Houston-based Envoy Mortgage and a member of Mortgage Technology�s Editorial Advisory Board.Prior to Envoy Mortgage, Zugheri started his career at the Resolution Trust Corp. and later worked at North American Mortgage, GE Capital and Irwin Mortgage. He has also served on the advisory councils of Lenders One Mortgage Cooperative, Countrywide Financial and the Texas Tech University Rawls School of Business.

Stanley M. Street, president of Street Resource Group, Inc. (SRG), manages the strategicvision of the company and oversees all consulting, sales, and customer relations activities. Street has 37 years of experience in the financial services industry and an unparalleledcommitment to leadership in the niche mortgage warehouse lending industry. With hisbackground as a business process engineer, Street provides thought leadership and deliversconsistent innovations in financial system methodologies and delivery systems through bothtechnology-based solutions and workflow re-organization.Street has had the opportunity to work in all facets of the retail mortgage lending and financial services industry. His experience includes accounting, loan servicing, bank operations, financial systems development, bank branch management, correspondent banking, mortgage lending and secondary market.With a diverse set of business process engineering skills, Street created and managed aconsulting group within the correspondent banking department at National Bank of Georgiaand took additional leadership roles that included presentation of lectures, seminars andworkshops for bank employees, vendors and regulators on emerging issues. He was thenappointed the bank’s financial systems manager, which made him responsible for completelyautomating the financial planning, analysis and reporting department. In 1986, Street Resource Group, Inc. was founded with a mission to provide informationsystems and business process consulting to the financial services industry. Street has grownthe company to be the leader in mortgage warehouse lending technology. Street is a quoted subject matter expert and byline contributor for several trade and nationalpublications, including Mortgage Banking, Mortgage Technology, National Mortgage Newsand the Wall Street Journal. His articles explore issues related to the impact of secondarymarket technologies, the implementation of best business practices, and the significance of theof mortgage warehouse lending to the mortgage industry in general.