Banco Popular de Puerto Rico

Jeffrey Feinstein, PhD, is LexisNexis Risk Solutions senior director, Analytic Strategy. With almost 20 years in the industry, he is an expert in the use of non-tradeline and credit bureau tradeline data for credit risk, fraud and compliance use cases. He has been serving his current role at LexisNexis since 2010.� He is responsible for developing the LexisNexis� RiskView� Credit Risk Score as well as managing the development of other financial services solutions based on LexisNexis data. Additionally, he leads innovation efforts to bring new analytic solutions and content to the market. He is the author of the seminal white paper focused on the topic of the benefits of alternative data to open credit markets for the "credit invisible." Jeffrey is invited frequently to speak on the topic at industry conferences. He has received four U.S. patents for his innovations in credit modeling.

James Frischling is president and co-founder of financial services consultancy NewOak. Follow him on Twitter @jfrischling.

Ellen Seidman is senior fellow at the Urban Institute, focusing on housing finance and community development. From 1997 through 2001, she was director of the Office of Thrift Supervision and concurrently served on the board of directors of the Federal Deposit Insurance Corp. and as chair of the board for the Neighborhood Reinvestment Corp.Seidman was a visiting scholar in the Community Development Department of the Federal Reserve Bank of San Francisco in 2012 and 2013 and has been a research fellow of the Filene Research Institute since 2011. She is also a member of the Consumer Advisory Board of the Consumer Financial Protection Bureau.Wei Li is senior research associate at the Urban Institute's Housing Finance Policy Center. Previously, he was a principal researcher at the Center for Responsible Lending, where he authored numerous publications on the housing finance market.

Rosie Biundo is the senior director of product marketing for Equifax, a global leader in consumer, commercial, and workforce information solutions that provide businesses of all sizes and consumers with insight and information. She works closely with key internal and external stakeholders in real estate lending to define the go-to-market strategy for each product within the Equifax suite of solutions.Rosie joined TALX Corporation (acquired by Equifax in 2007) in 1997 as an account manager and has held positions throughout the organization in multiple areas, including sales management, operations, and customer support. In 2007, she became responsible for business operations, product strategy and delivery for all services of The Work Number�, the nation�s leading employment and income database. As the overall director of product strategy for The Work Number, she was instrumental in establishing channel and reseller partnerships and diversifying the solution through the integration of IRS tax transcript fulfillment (4506-T) and SSA identity verification services.Rosie holds a Bachelor of Arts degree in psychology from Saint Louis University and is certified in Pragmatic Marketing.

Don Palumbo is Fannie Mae�s Vice President, Credit Portfolio Management. Reporting to the Senior Vice President � Credit Portfolio Management, Palumbo is responsible for leading the company�s servicing management teams, which work with servicers to implement programs and policies focused on keeping people in their homes, stabilizing neighborhoods, and protecting the interest of the taxpayer.�Experience: Previously, Palumbo was Vice President � Making Home Affordable (MHA) and Reverse Servicing Management, with responsibility for helping to implement the U.S. Treasury Department�s MHA program and providing servicer oversight of Fannie Mae�s reverse mortgage portfolio. Before that, as Vice President � Enterprise Operations Business Initiatives, he led strategic initiatives aligning business and operations priorities with technology plans for Capital Markets and Single-Family Operations. Earlier in his Fannie Mae career, Palumbo was Vice President � Capital Markets Business Initiatives; Vice President � eBusiness Pricing and Execution; and Director � eChannel Pricing and Execution.Before joining Fannie Mae in 2001, Palumbo was the Chief Operating Officer of a boutique technology firm, and he led product management, sales, business development, and customer service operations for mortgage technology products at Concentrex, Inc. Prior to that, he was Mortgage Dynamic, Inc.�s Lead Secondary Marketing Consultant for national and regional mortgage operations on origination pipeline risk management strategies, best execution, whole loan valuations, and servicing asset valuations. His mortgage career began in 1987 with a mid-sized thrift in Arizona.Palumbo has a bachelor of science in business from John Brown University.

Duke Odom is the Managing Director at Sperlonga, a wholly owned subsidiary of Matt Martin Real Estate Management (MMREM). MMREM operates as a Nationwide Real Estate Company with business in all 50 states, DC and Puerto Rico. MMREM was ranked #3 in Real Estate on the Inc.� 500 List for 2013. Duke is a former career Air Force aviator with extensive leadership and managerial experience leading to success in several industries. Prior to joining MMREM, Duke spent his time running his successful start-up consulting company, specializing in process improvement.� Prior to this, he was an Executive Director in the Corporate and Investment Bank at JP Morgan Chase.� There he led process improvement initiatives in Private Equity and Real Estate, Trade and Asset Management, as well as Financial Accounting. Duke also served as the Vice President of Operations at a rapidly growing Aerospace company whose primary client was the Department of Defense, where he led that team to growth and success.� Duke spent over 20 years in the US Air Force as an officer and aviator, gaining extensive combat experience to include Operations Desert Storm and Iraqi Freedom.

Joseph Ficalora is president and chief executive�of New York Community Bancorp. He previously served on the board of directors of the Federal Home Loan Bank of New York, most recently as its vice chairman.

Michael is the Chief Executive Officer of The Stone Group, based in Austin, Texas.

Candace Fraley is the Senior Government Manager at Ocwen Financial Corporation, specializing in default FHA performance. She has worked in government servicing for over 11 years. Currently, she leads the management and direction for the government servicing portfolio at Ocwen. She has been with Black Knight and HUD REO contracting in a �full spectrum range of default to post claims activity.

A. Mechele Dickerson is a law professor at the University of Texas-Austin and is the author of �Homeownership and America's Financial Underclass: Flawed Premises, Broken Promises, New Prescriptions.�