Banco Popular de Puerto Rico

Michael Halpern is the director of community initiatives at Safeguard Properties, a mortgage field services company headquartered in Cleveland, Ohio that inspects and maintains defaulted and foreclosed properties nationwide.

Bill Emmons is an Assistant Vice President and Economist at the Federal Reserve Bank of St. Louis. He conducts policy analysis and speaks frequently on topics including the economy, housing and mortgage markets, banking, financial markets, and financial regulation. Mr. Emmons has been with the St. Louis Fed since 1995. He also serves as an Adjunct Professor of Finance in the John M. Olin Business School at Washington University in St. Louis. Prior to joining the St. Louis Fed and Washington University, he was on the faculty of the Amos Tuck School of Business at Dartmouth College, in Hanover, New Hampshire. Mr. Emmons received a PhD degree in Finance from the J.L. Kellogg School of Management at Northwestern University. He received bachelors and master's degrees from the University of Illinois at Urbana-Champaign.

Guy Taylor is CEO of Santa Barbara, Calif.-based real estate valuation services provider Equi-Trax Asset Solutions.

Scott Fergus lead executive responsible for fund development and management of the Mortgage Resolution Fund, LLC, a multi-member Non-Performing Loan Acquisition Equity Fund. Key responsibilities include investment design and structure; capital fund raising; primary relationship management with all capital providers; managing the investment of the capital according to the business plan; and the design and structure of exit financing. Secondarily, he's responsible for the review and implementation of Mercy Portfolio Services’ overall capital plan for both its current and future business projects; for leading the fund capital raising required to implement the plans and for the investment of that capital into the identified projects. To date he has secured and closed on a $100 million fund for Illinois with the Illinois Housing Development Authority (IHDA) with verbal commitments of an additional $350 million in the states of New Jersey and Florida.

Steve O'Connor is Senior Vice President of Public Policy and Industry Relations at the Mortgage Bankers Association (MBA). He manages MBA's residential policy process for legislative, regulatory, and industry issues.O’Connor leads MBA’s regulatory advocacy efforts. He is also responsible for outreach to industry groups, consumer organizations, and other key stakeholders in support of MBA’s policy objectives.O'Connor has appeared on numerous national news broadcasts, including ABC, CBS, NBC, Fox, PBS, CNN, CNBC, Bloomberg, and NPR radio. He isfrequently quoted in major print publications including the New York Times,Wall Street Journal, and Washington Post. He is a frequent guest speaker onindustry issues. O'Connor joined MBA in 1996. Previously he worked in government affairs for the National Association of Realtors and Freddie Mac. He also worked for Skyline Financial Services Corp. O'Connor holds a Bachelor's degree in political science from Marquette University and a Master's degree in political science from American University.

Jerry Azure is the Senior Vice President of Mortgage Servicing Operations for BSI Financial Services, Inc. Jerry Azure is the head of all Mortgage Servicing Operations for BSI Financial Services, Inc. Jerry departments include: Investor Reporting, Cashiering, Escrow, Collection Operations, Loss Mitigation workout Units, Bankruptcy, Foreclosure, REO, MI Claims, Property Preservation, Customer Service, Customer Care, Collateral Management, and HAMP Operations. Jerry is a 20 year mortgage industry veteran who has held many senior level positions in both the loan servicing and mortgage lending arenas. Jerry started his mortgage career at the Associates/Ford Consumer Finance then continued his mortgage career at Centex Home Equity/Nationstar, Countrywide, Saxon and GreenTree Financial Services before joining BSI in Nov 2010. BSI with offices in Texas, Pennsylvania and India is a Residential Fannie/Freddie/NPL Portfolio sub- servicer headquartered in Dallas, TX. BSI services 1st and 2nd liens for many of the nation�s top lending institutions, major hedge funds and private investors both large and small.