Banco Popular de Puerto Rico

Vladimir Bien-Aime is CEO and co-founder of Global DMS, a provider of Web-based appraisal process management software and mortgage process technologies. He is also a member of Mortgage Technology magazine’s Advisory Board. Bien-Aime has been in the field of mortgage technology for 15 years and is a recognized expert in appraisals, appraisal processes and appraisal compliance, and has intricate knowledge of past and present appraisal-related legislation at the federal, state and local levels. Bien-Aime is directly involved with new technologies in development and spearheaded the company’s product expansion to include a paperless support solution, automated review and data delivery system, multi-software access platform and web-based form creation software.

Donald C. Lampe is a partner in the Financial Services Group in the Washington, D.C. office of Morrison & Foerster. Mr. Lampe represents banks, finance companies, insurance companies and other financial service providers on a variety of financial services and bank regulatory matters. He also counsels creditors, loan servicers, collection agencies and secondary market participants on consumer financial services laws and regulations, including the Dodd-Frank Act. He represents a range of financial services clients in significant government investigations and enforcement proceedings, which involve issues of lending, servicing, licensing, governance and compliance.Mr. Lampe has been recognized as a Leading Lawyer in the areas of Financial Services Regulation: Consumer Finance (Compliance) and Banking & Finance by Chambers USA 2013. He was named a North Carolina Super Lawyer for Banking Law by Law & Politics from 2006-2013, and was recognized by Best Lawyers in America from 2003-2013. He was also named Charlotte "Lawyer of the Year" for Financial Services Regulation Law by Best Lawyers 2012 and 2013.Mr. Lampe is currently a fellow of the American College of Consumer Financial Services Lawyers. He also serves on the Governing Committee of The Conference on Consumer Finance Law and the Board of Advisors of the UNC School of Law Center for Banking and Finance. Mr. Lampe has previously served as the chair of the American Bar Association's Consumer Financial Services Committee.Mr. Lampe received his S.B. degree from Massachusetts Institute of Technology, where he graduated Phi Beta Kappa, and his J.D. degree in from Duke University School of Law, where he was the Administrative Law Editor of the Duke Law Journal and a member of the Dean's Advisory Council.

Kim Weaver works in Lending Solutions at Fiserv, where she is the product manager for the Secure Lending platform, which provides paper-free lending capabilities. She is also a member of Mortgage Technology magazine’s Advisory Board.Weaver has been in mortgage banking and related industries for more than 20 years, performing and managing origination, processing, underwriting, secondary marketing, closing, loan delivery, insuring and servicing.

Felipe Ossa is senior editor of Structured Finance News and a contributor to National Mortgage News.

Thomas Noto’s practice focuses on regulatory and enforcement matters related to financial services. Mr. Noto has broad knowledge of the many issues affecting mortgage lenders and mortgage services in the current fast-changing environment, including the mortgage regulations that have flowed from the Dodd-Frank Act. He also represents clients facing fair lending issues. Prior to joining Morrison & Foerster, Mr. Noto was an Associate General Counsel at Bank of America responsible for legal support to Bank of America Home Loans. He had broad responsibilities relating to mortgage and home equity lending, as well as fair lending and neighborhood lending. Early in his career, he served for five years as a staff attorney at the Federal Reserve Board's Division of Consumer and Community Affairs where he was responsible for regulations under the Truth in Lending, Equal Credit Opportunity, Home Mortgage Disclosure, Electronic Fund Transfers and Expedited Funds Availability Acts. Following his tenure as a partner in a private law firm, in 2002 he served as General Counsel for several mortgage lenders, including Ameriquest Mortgage. He is a frequent speaker on regulatory compliance and enforcement issues. Mr. Noto received his J.D. from Catholic University and his B.A. in Philosophy from Clark University. He is admitted to practice in Maryland and Washington, D.C.

Chad Burance is head of NewOak Solutions.

Melissa Wachtel is an associate with Weiner Brodsky Sidman Kider PC who focuses primarily on state licensing and regulatory matters related to the financial services industry.  Melissa represents and advises non-depository and depository institutions on issues such as: State and federal licensing and approval requirements (both in the mortgage field and in other related financial services fields, including collection agencies and title agencies); and State and federal laws regulating fees, disclosures, and practices. Melissa also prepares multi-state regulatory surveys and analyses of matters pertaining to residential mortgage lending, brokering, and servicing; assists companies with implementing new state laws and regulations; and assists companies with examination preparation and responses to regulatory audits and investigations by state and federal regulators.  Melissa has contributed to the industry publication Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West 2011-2012 ed.), and she also serves on the Conference of State Bank Supervisors (CSBS) Industry Development Working Group (IDWG), which is a selective advisory body of industry representatives with experience in the Nationwide Mortgage Licensing System (NMLS) who provide frequent input regarding ongoing developments to the NMLS.Recent Matters Advised a mortgage company on its privacy policies regarding consumer financial information to ensure compliance with the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act. Advised and assisted clients in obtaining mortgage lender, broker and servicer licenses and approvals, as well as obtaining change of control approvals in connection with the purchase and sale of mortgage entities and title agencies. Advised mortgage companies and loan originators regarding required state disclosures and their resulting impact on the licensee’s state licensure. Advised and assisted mortgage companies in responding to single-state or multistate examinations and in creating policies and procedures to address the audit findings.

Ron Lopez is manager of Consumer Direct for Gateway Mortgage Group LLC. For more information visit www.gatewayloan.com.

Cheryl DeRoche Johnson is the Director of Loan Origination Solutions in the Strategic Consulting Services division of Lender Processing Services, Inc. (LPS). She holds the designation of �Master� Certified Mortgage Banker (CMB) and has a strong background in lending including an in-depth knowledge of supporting third party services, products and mortgage industry technologies. Ms. Johnson is an analytical thinker with a passion for undertaking challenges and problem solving through issues. Prior to her employment with LPS, Cheryl was Vice President � Product Strategy Manager for a Fortune 500 Company with the responsibility of product strategy, design, development and implementation for their Lender Services and Residential channels. Prominent themes among the many initiatives she directed were revenue generation, cost reductions and electronic delivery. Ms. Johnson was First Vice President at ABN AMBO Mortgage Group (ABN) where during her tenure she held multiple management positions including responsibility for the creation and administration of their first centralized vendor management department and expansion of supporting third party partnerships. Prior positions at ABN included business management and development of strategic technologies including ABN�s Mortgage.com, (a consumer self-service loan origination and servicing portal) and ABN�s One Fee, (a strategic pricing technology platform). Multi-millions of dollars of new revenue, expense savings and risk reduction were attributed to these technology developments. Ms. Johnson pioneered internet marketing and online loan production for LaSalle Home Mortgage, an affiliate of ABN AMRO. During her tenure at LaSalle, she also held management positions in retail loan production, sales, marketing and training. Ms. Johnson was the Vice President of residential loan production for Irving Federal Savings Bank in Chicago. Cheryl started her career as a teacher of mathematics.