Banco Popular de Puerto Rico

Stephen Greenberg is the founder and chief executive officer of Synergistic Associates Inc., a national sales training and coaching organization. For a free consultation, or any questions, Steve can be contacted by email at steveg@synergisticassoc.com or by phone at 954-234-4320.

Ari Karen, an attorney at Offit Kurman, has counseled several mortgage banks and financial services firms on the development and implementation of policies and procedures related to allowing institutions to remain compliant with wage hour laws. He counsels clients in proactive and practical means of compliance with technical wage-hour laws and other labor and employment regulations. His litigation expertise includes unfair competition, fiduciary breach, partnership disputes, worker misclassification and minimum wage and overtime claims in all state and federal trial and appellate courts. He has spoken at several industry conferences.

Scott Gillen is Sr. Vice President, Strategic Initiatives for Stewart Lender Services. Mr. Gillen is responsible for oversight of Stewart's product development and strategy related to product implementation. Additionally, Mr. Gillen has direct management responsibilities over Stewart's Home Retention and Loss Mitigation initiatives. He oversees key client relationships as well as Stewart's GSE relationships. Prior to joining Stewart, Mr. Gillen served as Director of Sales and Marketing for Mortgage Resource Network (MRN). There his responsibilities included the ongoing management and oversight of MRN's sales and marketing efforts. Prior to that Mr. Gillen served in senior management positions with Harbor Financial Mortgage Corporation. In addition, Mr. Gillen pursued a private consulting career where he oversaw the liquidation of several large prime and subprime lenders and also assisted in several due diligence and audit projects.He is an active member in industry trade associations, serving as Vice Chairman of the Education Committee for the Mortgage Bankers Association and as a member of the Legislative Committee. He has also served on the Boards of the Houston Mortgage Bankers Association and Texas Mortgage Bankers Association. He received his BA degree from the University of Texas in Psychology and is a graduate of the MBA's School of Mortgage Banking and Future Leaders program. He also received the Certified Mortgage Banker (CMB) designation from the Mortgage Bankers Association of America.

Christina Speh works directly with financial institutions to help them minimize regulatory and operational risks through the use of improved enterprise risk management processes, policies and procedures as well as the use of technology. Christina has been with Wolters Kluwer Financial Services for more than 10 years, working with community, regional and national financial institutions to help them implement compliance risk management programs. Prior to Wolters Kluwer Financial Services, Speh was a review examiner for the Board of Governors of the Federal Reserve, where she focused on Community Reinvestment Act (CRA) compliance by working with the Federal Financial Institutions Examination Council compliance committee and co-writing much of its guidance on the regulation. She was also a consultant at The Secura Group focusing on HMDA and CRA data analysis, compliance testing and fair lending comparative file reviews. Speh earned her B.B.A from Stetson University in Deland, Florida.

John Straka, Ph.D. counsels banks, mortgage servicers, government agencies, etc. on risk mitigation and growth strategies, models, systems, and standards. Prior to joining Experian, Straka held various leadership and analytic positions at Freddie Mac, most recently Vice President of customer facing models and analytics, leading teams responsible for all statistical scoring models, loss mitigation models and analytics, etc. He has worked over 25 years in analytics and risk management, earlier at the Social Security Administration and the Congressional Budget Office. Straka earned a B.A. in economics from Williams College and his Doctorate degree in economics from Cornell University.

Heather Hendrix is marketing and sales manager at Orion Financial Group. Hendrix was most recently with Nationstar Mortgage, where she served as regional vice president, sales, managing training and supervisory aspects of staff while overseeing budgeting and developing sales and marketing strategies.

Suresh Annappindi is the founder and CEO of Scorelogix LLC, a risk modeling and predictive analytics company founded in 2003 and headquartered in Delaware.

Rob Zimmer is with the Community Mortgage Lenders of America.

Barry Epstein is managing director, Warehouse Banking Consultant, Los Angeles.

Bob Gundel is a Senior Hedge Manager with Compass Analytics LLC and has been with the firm since 2005. He brings over 11 years of experience in financial services with a heavy focus on derivatives trading and mortgage analytics. Although his primary role as Hedge Manager entails working directly with clients to assist in hedging their mortgage pipelines, he is also a member of the Sales and Business Development teams at Compass. Mr. Gundel holds a Master of Science degree in Financial Analysis and Investment Management from Saint Mary’s College and resides in San Francisco, CA.