Banco Popular de Puerto Rico

Greg Sultan is senior vice president, strategist at Customer Communications Group, the full-service loyalty and marketing agency with a consultancy approach and a dedication to providing measurable, sustainable results.

Aaron Lynch is Vice President of Technical Services and Chief Technology Officer of Financial Industry Computer Systems Inc. (FICS), a mortgage technology specialist that provides cost-effective, in-house mortgage loan origination, residential mortgage servicing and commercial mortgage servicing technology to mortgage lenders, mid-sized banks and credit unions. As vice president and chief technology officer, responsible for technical research and strategic analysis, the development and maintenance of all FICS software applications in accordance with programming standards, as well as the technical support department.

Marianne is the FIS EGRC Solutions New England Region Director and has recently been selected as an emerging leader by FIS Global.� With a reputation as a regulatory compliance go-to professional, she is a frequently requested speaker at regulatory compliance conferences and seminars. � ��Marianne is a Massachusetts attorney with more than 25 years of experience in risk management and regulatory compliance.� She brings a wealth of knowledge in lending, operations, risk management, process improvements and marketing to both financial institutions and non banks.� ��For two years she has been a trainer for Consumer Financial Protection Bureau field examiners which has allowed her an insight view to the new agency goals. Prior to joining FIS EGRC Solutions, Marianne served served in various corporate positions with financial institutions as a Compliance Officer, Bank Secrecy Officer, SBA Officer, Internal Auditor and Operations where she chaired committees, developed compliance programs, wrote policies and procedures, developed customized training programs and prepared compliance reports for senior management.� Her ability to �speak� the language of her clients has proven to be a mutual benefit.��

Mike Jones leads the mortgage industry practice at Infinitive, a management consultancy. He can be reached at mike.jones@infinitive.com.

With over 20 years of Capital Markets, Alternative Investment & Real Estate experience Russ Williams brings a well-rounded and diverse background to his role as Vice President with the Residential Division of Auction.com.� As one of the original principles that created the Short Sale Auction platform, his forward thinking and progressive mindset has delivered innovative solutions to the Real Estate market place.� Together with Google Capital & Auction.com�s research driven approach Russ brings ideas a fresh prospective to the ever changing real estate market place.

Teresa Blake is Practice Director at Wipro Gallagher Solutions, a Wipro Technologies� company (NYSE:WIT), which is a provider of end-to-end technology products and services for mortgage, consumer and commercial lenders in the United States and abroad. WGS� technology products include its flagship NetOxygen Loan Origination Systems (LOS) and mobile lending technologies. For more information about Wipro Gallagher Solutions mobility solutions, visit www.wiprogallagher.com�

Darius Bozorgi is president and CEO of Veros, a national leader in valuation risk management, predictive analytics and decision-support technology applications for the financial services industries. Veros' customers include most of the top 100 U.S. mortgage firms, investment banks and capital markets participants.Mr. Bozorgi has forged many strategic alliances and partnerships with numerous Fortune 500 companies and leading firms in the financial services and technology sectors, and has led Veros to repeated recognition as one of the top 25 mortgage technology companies in America. He has served on the boards of several companies and organizations such as the Real Estate Information Professionals Association (REIPA), an organization of many of the country�s largest real estate data and technology companies. He was a founding member and served two consecutive terms as Chairman of the Collateral Assessment Technologies Committee (CATC), representing most of the nation�s leading companies in that field.Mr. Bozorgi is frequently asked to speak to issues on housing, housing finance, practical applications of technologies and transparency of data in the financial services industry. He is also called to speak on these issues for media outlets such as Bloomberg, Reuters, CNBC, USA Today and the Wall Street Journal. He has been recognized by Mortgage Banking magazine as a Technology "All-Star" and led the company to receive the 2010-2011 Mortgage Technology "Synergy" award (for Veros' efforts as the official technology provider for the GSEs' Uniform Collateral Data Portal� and related work surround MISMO industry standardization) and most recently, received the 2014 Mortgage Technology 'Transforming Valuations' award.He earned a Bachelor's Degree in business from the University of Michigan and his J.D. from Chicago-Kent College of Law. Mr. Bozorgi co-founded Veros after spending most of his early career practicing law. He has been involved in the successful capitalization and operation of several technology and finance ventures. He is also a Registered Investment Advisor for the State of California.

Ivan Garces is a risk advisory services principal in Kaufman Rossin�s Miami office. Ivan can be reached at igarces@kaufmanrossin.com.

Joseph Murin, chairman emeritus of NewDay USA, has over 40 years of experience in the mortgage and banking industries. He served as president of the Government National Mortgage Association (Ginnie Mae) under both the Bush and Obama administrations.