Banco Popular de Puerto Rico

Neil Baron represented Standard & Poor�s from 1968 to 1989 and was Vice Chairman and General Counsel of Fitch Ratings from 1989 to 1998. He recently advised the SEC and Congressional staff on ratings agency reform.

Chris Mock was named vice president of single-family quality control in December 2011. In this position, Mock is responsible for the management and oversight of Freddie Mac's quality control underwriting and remedy management, as well as infrastructure to solutions that support these activities. In December 2014, Chris took on an expanded role that includes overseeing customer eligibility and compliance. He reports to Freddie Mac's Chief Enterprise Risk Officer.Previously, Mock spent over 20 years with a mortgage insurance company. During his tenure there, he held various positions within risk management, underwriting and claims administration with responsibility for portfolio quality, credit policy, underwriting operations and claims management.Chris has a B.S., business administration, from East Carolina University.Freddie Mac was established by Congress in 1970 to provide liquidity, stability and affordability to the nation's residential mortgage markets. Freddie Mac supports communities across the nation by providing mortgage capital to lenders. Today Freddie Mac is making home possible for approximately one in four home borrowers and is one of the largest sources of financing for multifamily housing. Additional information is available at FreddieMac.com, Twitter @FreddieMac and Freddie Mac's blog FreddieMac.com/blog.�

Phil McCall is president and chief operating officer of ACES Risk Management Corp.

Erica C. Abendschoen is an associate with Ramsey, N.J.-based Steel Curtain Capital Group LLC, a mortgage advisory firm specializing in managing residential mortgage risk through consumer marketing and outreach strategies. Erica has spent three years covering the residential mortgage industry, serving as an associate for two specialty finance start-up companies that cater to the needs of financial institutions with exposure to residential mortgage risk in the US and Canada. Erica earned her MBA from Monmouth University and is a former Division-1 athlete and Women�s Lacrosse team captain with back-to-back NCAA appearances.Frank T. Pallotta is the owner of Ramsey, NJ-based Steel Curtain Capital Group LLC, a mortgage advisory firm specializing in managing residential mortgage risk through consumer marketing and outreach strategies. Frank has spent more than 25 years in residential mortgage banking having worked for Goldman Sachs, Credit Suisse and Morgan Stanley. He continues to work closely with many of the largest financial institutions in the country, including the GSEs, HUD and the U.S. Treasury Department. His experience includes all aspects of origination, underwriting, servicing, securitization and loss mitigation.

Dr. Frank Nothaft is senior vice president and chief economist for CoreLogic, America�s largest provider of advanced property and ownership information, analytics and data-enabled services. He leads the economics team responsible for analysis, commentary and forecasting trends in global real estate, insurance and mortgage markets.Before joining CoreLogic Frank served in a variety of leadership positions with increasing responsibility at Freddie Mac. Most recently, he was vice president and chief economist responsible for forecasts, research and analysis of the macro economy, housing and mortgage markets. Prior to Freddie Mac, Frank was an economist with the Board of Governors of the Federal Reserve System, where he served in the mortgage and consumer finance section and as assistant to Governor Henry C. Wallich.Frank frequently appears on local and national radio and television programs and has been widely quoted in The Wall Street Journal, New York Times and many industry trade publications such as National Mortgage News and HousingWire. He has been a regular guest on cable news channels such as CNBC, Bloomberg and Fox Business News.Frank has served as president of the American Real Estate and Urban Economics Association, Board member of the Financial Management Association, Advisory Board member of the Real Estate Research Institute, Chair of the Real Estate Roundtable for the National Association for Business Economics, and as Editorial Board member of the Journal of Real Estate Finance and Economics.Frank graduated from New York University with a bachelor of arts in mathematics and computer science and he holds a Ph.D. in economics from Columbia University.

Sharon Matthews is president and CEO of eLynx.

Dawn Sherbeyn is director of origination and settlement technology at ISGN, a leading provider of end-to-end mortgage technology solutions and services, impacting over 5.5 million of all U.S. mortgage loans. For more information, visit www.ISGN.com.

Rajesh Rajaraman is a Vice President at Christensen Associates, an applied economic and engineering consulting firm in Madison, Wis. He also serves on the Board of the United Way of Dane County.

Keith Guenther is CEO and founder of RES.NET and USRES.

Brendan Brown is chief economic adviser to Mitsubishi UFJ Securities International and senior fellow (non-resident) at the Hudson Institute.