Banco Popular de Puerto Rico

Michael Swift is a Real Estate Broker with 20 years of Real Estate Sales experience. He is a founding member of the East Bay Short Sale Round Table Group in the San Francisco Bay Area which meets monthly to discuss short sale strategy. Michael received his Real Estate license at the young age of 20 and focused primarily on short sales for the next 4-5 years during the Real Estate down cycle of 1991-1995. Because of his overwhelming success in short sales, he was recruited to Re/Max Executive as an Associate Broker to train the office agents on short sale transactions in 1993. Currently Michael is an Associate Broker with J. Rockcliff Realtors in the San Francisco Bay Area. Besides selling Real Estate and being a consistent top producer, Michael also consults with agents from the 7 offices of J. Rockcliff Realtors on how to successfully complete short sales transactions. Michael holds the short sale designations of Certified Distressed Property Expert (CDPE), Short Sale Foreclosure Resource (SFR) and Certified Short Sale Professional (CSP). It’s Michael’s goal to help as many people as possible from losing their homes to foreclosure by educating them on all their other options.

provides special servicing, prime loan servicing, master servicing/bond administration, recovery services, foreclosure administration, and REO management to third-party organizations. Most recently Jeff served as a senior vice president at Cerberus Capital where he led a team responsible for the purchase, sale and management of mortgage assets. During his career, Jeff has worked in consumer, mortgage, commercial and investment banking. He was a co-founder of Certavi Capital, LLC, an asset management company. More recently Jeff served as an executive at G.E. Money and New Century Financial where he served as president of correspondent lending. Jeff received his bachelor’s degree from the University of Arizona and holds an MBA in finance from the University of San Francisco.

Brianna L Elsass holds the position of Self-service Channel and Communications Strategy Manager, Riverwood (IL) for Discover Financial Services. Ms. Elsass is responsible for the development and operations of Discover’s use of self-service channels for Collections purposes as well as the strategic direction for the written communication with our cardmembers. Ms. Elsass has been with Discover Financial Services since 2006. Prior to joining Discover Financial Services she was the a member of Alumni Relations team managing the alumni database for the Kellogg School of Management - Chicago. She currently holds an advisory board position with The Washington Center. Ms. Elsass holds a MBA in Operations Management and Change Management from DePaul University Kellstadt and a BS in Pyschology from University of Iowa.

Kimberly is Senior Vice President, Strategic Partnerships. She is responsible for cultivating, developing, and growing strategically important, multifaceted relationships with CFSI's largest clients to drive mutual value. She is passionate about working collaboratively with others to help them envision new possibilities and outstanding results. She brings her deep knowledge of consumers, understanding of the financial services marketplace, and vision for financial health to spur people and companies to action. Under her leadership, CFSI has launched a successful consulting business, created the go-to industry forums for scale financial services firms and innovative mid-tier institutions, and seeded innovation with a combination of programmatic support and nearly $4 million in grants to promising nonprofit organizations.

Judge Rizzo was appointed to the Court of Common Pleas bench in Philadelphia in 1998 by then Governor Tom Ridge. Since that time, she has served in the Trial Division in both the Criminal and Civil Programs and now sits in the Civil Major Trial Program.After receiving her B.A. in Public Policy and Italian Literature at The University of Pennsylvania, she completed her legal studies at Temple University School of Law.Judge Rizzo worked in both the public and private sectors prior to her tenure on the bench serving first with the City Solicitor’s Office and then with the law firm of Rawle & Henderson. Just prior to taking the bench the Judge served as Senior Counsel at CIGNA Companies.She has been active in many community organizations serving on many non-profit boards and she remains committed to public service as a board member of the Philadelphia VIP, the historic site of Eastern State Penitentiary, Casa Farnese, a senior citizen residential complex and Temple Law Alumni Association. The Judge is also active in the Temple American Inn of Court and the Justinian Society.Since the spring of 2008 Judge Rizzo has been involved with the development and oversight of the First Judicial District’s Residential Mortgage Foreclosure Diversion Pilot Program which mandates that no residential owner-occupied property in Philadelphia may go to Sheriff’s sale without a Conciliation Conference being held. The Conferences bring together homeowners, lenders’ counsel, pro bono attorneys and housing counselors in an effort to keep City residents in their homes.Beyond her participation in community organizations and professional associations Judger Rizzo also sits on a variety of court committees which involve in-house education for the bench on civil and procedural issues, the Civil Rules Committee, the Senior Judge Committee as well as the FJD Pro Bono Committee which seeks to expand volunteer service of the local bar in the courts.She resides with her husband, Brian Reidy and their twin boys in the Society Hill section of Philadelphia.

Barbara Sinsley is chief legal officer for Remitter USA and meldCX. She previously served as general counsel of FactorTrust, a credit-reporting company that utilized alternative credit scoring models. She is a recognized expert in laws affecting the credit and collection industry.

Jack Dorsey is the creator, co-founder, and Chairman of Twitter, Inc. Originally from St. Louis, Jack's early fascination for mass-transit and how cities function led him to Manhattan and programming real-time messaging systems for couriers, taxis, and emergency vehicles. Throughout this work Jack witnessed thousands of workers in the field constantly updating where they were and what they were doing; Twitter is a constrained simplification designed for general usage and extended by the millions of people who make it their own every day. Jack is dedicated to creating public goods which foster approachability, immediacy, and transparency, and is starting a second company named Square focused on bringing these concepts to commerce.