Banco Popular de Puerto Rico

Tim Anderson brings over 30 years of industry experience having worked on both the lender and vendor side of the business. He has held management positions with LPS, Stewart, Fidelity, FreddieMac and HomeSide Lending where he ran the eCommerce Division and worked at technology companies like Dexma, Microsoft and Tuttle Information Services. He was also the original founder of the eMortgage Alliance which promoted MISMO standards for delivering legal paperless processes. He currently is Director of Technology Strategy for ISGN corporation. He has served on the Advisory Boards of Freddie Mac, Fannie Mae, Microsoft and the Housing Roundtable. He is a past member of the MBA MISMO Governance Committee, MBA's Board of Technology, (BodTech) and eMortgage Adoption Task Force. He is a current member of the Residential Technology Committee (ResTech) and MISMO eMortgage Workgroup. Known for promoting strategic applications and trends in technology such as eSign and category one SMARTDocs, Tim received the prestigious Steven Fraser Award from Mortgage Technology magazine in 2003 and named Mortgage IT AllStar by Mortgage Banker Magazine.

Mary M. Pfaff is a Senior Policy Director at the Conference of State Bank Supervisors in Washington, D.C. In that role, she works with state regulator and industry users of the Nationwide Mortgage Licensing System & Registry (NMLS) on regulatory and policy issues related to state coordination. She is also responsible for assisting in the development and management of SAFE Act-related regulatory issues. Prior to joining CSBS in May of 2009, she was the Director of State Government Relations at Freddie Mac where she was responsible for developing and representing Freddie Mac’s views and positions on legislative and regulatory initiatives to state officials and their staffs, and for leading corporate responses to state initiatives.In addition to her position at CSBS, Ms. Pfaff is editor and owner of the Monthly Mortgage Compliance Newsletter, a publication that reports on new state legislative and regulatory developments of interest to the mortgage banking industry. She is also co-author of Residential Mortgage Lending: State Regulation Manual published by West Group. Prior to coming to Freddie Mac in 1992, Ms. Pfaff was a Government Relations Liaison with a D.C. law firm specializing in mortgage banking issues and spent nine years as the MBA of America's State and Local MBA Liaison.

Michael Harris has recently joined Carrington Mortgage Holdings, LLC as the President of their Carrington Property Services division. Michael has a diversified marketing and management background including the financing, mortgage servicing, and government industries. Prior to his association with Carrington, Michael was President of Stewart Asset Recovery which administered all asset management and marketing services for Stewart Title. Previously in his career Michael had the positions of Vice President of Operations at First American REO where oversaw all operational responsibilities for the company as well as Vice President of Operations at Fidelity National Asset Management Solutions where he managed the Western regional office. Michael also had the position of Director of REO at Option One Mortgage. As the Regional Operating Director for First Preston Management he was involved with the pilot marketing outsource for HUD. Michael started his career in REO when he ran the REO division of NRT, Inc where he managed assets for Fannie Mae and Freddie Mac, among others.

Mr. Yaninek serves as senior vice president, Director of Marketing, Product, Customer Experience and Consumer Direct Sales for Fifth Third Mortgage Company. He is responsible for working with each mortgage channel to provide marketing and product strategies and programs to accelerate the Fifth Third Mortgage Company business. He joined the bank in January 2010.He was formerly with JP Morgan Chase where he was responsible for mortgage strategy for retail bank branches without on-site loan officers. Prior to JP Morgan Chase, he managed the Home Loans Strategic Marketing organization for Washington Mutual. He has also worked for Wells Fargo where he managed Acquisition Marketing within the Consumer Credit Group.

Eric Lichtenheld is president of Tucson, Ariz.-based Integra Group Real Estate LLC.

Matt Merlone is the director of loan review solutions at Interthinx, Agoura Hills, Calif.

Dr. Mark Fleming is chief economist for CoreLogic, America’s largest provider of advanced property and ownership information, analytics and services. Dr. Fleming leads the mortgage analytics and economics team responsible for developing property risk and valuation models, house price indices and forecasts, and real estate trends, as well as analysis and commentary on the real estate and mortgage markets.

Atare Agbamu is president/CEO of advisory firm ThinkReverse LLC, Oakdale, Minn. He previously was director of reverse mortgages at AdvisorNet Mortgage LLC, Minneapolis. Agbamu has experience both originating and marketing reverse mortgages. He also is an author of a book about the loans and has written more than 250 articles on the topic since 2002.