Banco Popular de Puerto Rico

Mr. Botto (Greg) is SVP of U.S. Mortgage Operations for Quatrro with over 24 years’ experience in financial services & technology management. Greg has successfully helped banks and financial institutions improve their overall Mortgage Process Management, improve their data flow between business units, and plan for the future by assisting with Business Continuity Planning and Operation Resource Management. Greg started his Mortgage Banking experience with Wells Fargo Bank and then moved over to Franklin Templeton Funds managing their data operations worldwide and assisting in the highly publicized merger of Templeton with Franklin Funds. He has also held positions with Charles Schwab along with his own financial management firm working with mortgage lenders for the past decade helping them develop streamlined processes to manage the enormous volume demands at that time. Greg has a BA from UC Berkeley and an MBA in International Business from St. Mary’s College.

David Robinson is regional vice president and director of Alternative Sales Channels for Gateway Mortgage Group LLC. For more information visit www.gatewayloan.com.

Angela Kolb is a Certified Mortgage Banker (CMB) and director of compliance for CoreLogic Dorado. In this capacity, she works with leading mortgage and consumer finance lenders to interpret regulatory changes and to facilitate the implementation of new and existing rules across the company�s mortgage origination systems and production work flows.A recognized authority in compliance analysis and implementation, Angela has held a number of leadership roles during her more than 25 years in the mortgage industry, ranging from loan production and information technology (IT) management to overseeing the implementation of multiple loan origination systems (LOS). She joined CoreLogic Dorado in 2008 as a product manager for the company�s ChannelMaster product and was named director of compliance in 2010. In addition to her day-to-day responsibilities as director, she oversees a CoreLogic Dorado-sponsored bi-annual regulatory workshop for lenders.Prior to assuming her current position at CoreLogic Dorado, Angela was vice president of information systems for Guaranty Bank, where she was responsible for product and market analysis, system implementation and quality assurance. She writes frequently on the subject of mortgage industry regulation and has been published in a variety of industry publications. Her most recent article, �RESPA Readiness: Hitting a Moving Target,� appeared in Mortgage Banking Magazine. Angela holds a bachelor�s degree in business administration and an MBA in finance from Texas State University.

Mary Kladde is president and CEO of Denver, Colo.-based Titan Lenders Corp., which she formed in 2007 after more than 20 years in the mortgage industry.Her past experience includes operating and managing a successful fulfillment division for a leading document preparation provider in the industry. Prior to that, she managed the retail and wholesale closing and post closing department for a regional office of one of the larger residential mortgage banking investors in the country.

Oliver Chang is the former Head of US Housing Strategy at Morgan Stanley and was part of the Global Securitized Products research team. He covered all aspects of the housing market including home price dynamics, supply and foreclosure issues, demand and mortgage credit concerns, and the relationship between home prices and mortgage performance. He is a thought leader on the topic of institutional investments in distressed single family housing, serving both investors and government agencies, and has been cited in the media for his housing research at outlets including CNBC, NPR, Bloomberg, the Wall Street Journal and the Washington Post.Prior to this role, Oliver was a mortgage credit analyst and traded home price derivatives on the securitized products trading desk. Oliver received a BS from Cornell University and an MBA from Columbia Business School.

Jess Tirado is a Vice President and REO Operations Manager for Premiere Asset Services, a division of Wells Fargo Home Mortgage. His office, located in San Bernardino, CA, is one of four REO sites across the country. Premiere utilizes a nationwide network of 5,000 real estate agents and brokers to manage REO properties for Wells Fargo and other financial institutions. Jess has worked in the mortgage industry for 30 years. He joined Wells Fargo four years ago.

Rudy Orman is the Senior Vice President of Marketing and Business Development for Residential Credit Solutions. His role is business develop, sourcing banks, hedge funds and private equity companies and focuses on purchasing distressed assets along with developing default servicing solutions with asset owners. Mr. Orman was previously employed by Vice President of Business Development for the Marathon Distressed Subprime Fund and as Vice President of Marketing for Marix Servicing LLC. He also held other positions at Goldman Sachs as Vice President in business development for the GSAMP mortgage conduit and as National Sales Director at HSBC Mortgage Services, in charge of production for the subprime correspondent channel. Rudy is designed by the Mortgage Bankers Association of America (MBA) as a Certified Mortgage Banker (CMB), which symbolizes credibility and achievement within the real estate finance industry. Rudy was also selected and graduated from the highly regarded MBA Future Leaders Program, a one year program designed and developed for the next generation of industry leaders.Rudy has earned his Masters Degree in Business Administration from Tampa College, and his undergraduate degree in business from The University of Florida. He has earned his National Association of Securities Dealers Series 7 and 63.

Gary is responsible for the overall leadership of the firm, strategy, and finance. Prior to joining Waypoint, Gary served as both an operating executive and principal investor across a wide range of industries including hospitality, real estate, consumer Internet, and cleantech. After helping orchestrate Geolo Capital’s controlling investment into Joie de Vivre Hospitality in mid-2010, Gary served as JDV’s interim CEO until the company’s merger with Thompson Hotels in October 2011. Prior to joining Geolo Capital in the fall of 2009, he served as President and CEO of GreenVolts, an award-winning solar technology start-up.Between 2001 and 2007 Gary was an operating executive with ZipRealty, where as its CFO he led the innovative Internet-based residential brokerage through its successful IPO before eventually being named its President. Gary also spent seven years with KSL Resorts, where he was instrumental in acquiring and integrating over $800 MM of hotel and resort properties. Earlier in his career, Gary worked for leading real estate industry firms LaSalle Partners and Security Capital Group. Gary holds a B.A. in Economics from Northwestern University and an M.B.A. from Stanford Graduate School of Business.