Banco Popular de Puerto Rico

Rebecca Walzak is an expert in loan quality assurance and risk management, with more than 30 years of experience in the financial services industry. She serves as president of Looking Glass Group, LLC, a consulting firm focused on business transformation initiatives in the financial services industry. Looking Glass also offers vendor management guidance. Walzakis also the president of rjbWalzak Consulting. In this capacity, she is responsible for providing consulting services to clients in the areas of Quality Control and Regulatory Compliance as well as Operational and Enterprise Risk Management. Her clients include numerous banks, mortgage and brokerage companies and financial service organizations that offer both consumer and commercial financing. Previous experience included providing consulting services in the areas of Operational and Enterprise Risk for Boston Portfolio Advisors, Inc. where she was responsible for providing clients with guidance on process improvement and analysis. Prior to BPA, she provided consulting services for EBS, Inc, a leader in Quality Control technology. At this organization she also served as General Manager of the Quality Control Services Division. In this capacity she was responsible for the overall management of the Consulting and Outsourcing Departments. Other mortgage banking experiences includes serving as Vice President of Quality Control for Chase Manhattan Mortgage Corporation, a position Walzak assumed after four years directing the Quality Control/Risk Management operations for Prudential Home Mortgage Company. In these positions she developed and implemented leading edge Quality Control and Operational Risk assessment tools and processes that encompassed the origination, servicing, fraud prevention, early payment default, repurchase and branch analysis functions. She also served as co-chairman of the Chase Risk Management Committee. During her tenure in mortgage banking, Walzak has managed a variety of wholesale and retail operations in addition to administrative functions including system support, correspondent risk management and national closing operations. Ms. Walzak received a B.S. degree from Indiana University of Pennsylvania, a Masters in Business Administration from University College, University of Maryland and her Quality Manager Certification from George Washington University in Washington, D.C. She served as the 1996 Chairman of the MBA Quality Assurance Committee. Walzak is a frequent lecturer at Mortgage Bankers and Brokers conferences, has taught the Quality Control course in MBA's School of Mortgage Banking and authored articles on quality control and risk management for several industry publications. She also served as a member of the California MBA's Quality and Compliance Committee as well as founding the Florida Quality Council. She is currently a member of the Mortgage Banker's Association of America, ASQ and the Risk Management Association.

Anupam Ladha is a Managing Director in Marathon's Real Estate Group focused on real estate debt investments (including distressed debt purchases and new loan originations) across all asset classes in the US. Mr. Ladha joined Marathon from The Carlyle Group, where he was a Vice President in the US Real Estate Acquisitions group in Washington, DC. At Carlyle, Mr. Ladha completed the acquisition and financing of over $1.5 billion of hotel, assisted living, retail, residential and office properties.

Barney Frank represents the Fourth Congressional District of Massachusetts, and he is also the Ranking Member of the House Financial Services Committee. Last year, he helped pass the Dodd-Frank Wall Street Reform and Consumer Protection Act," a new law that the Washington Post has called “the most sweeping overhaul of the nation's financial regulatory system since the Great Depression.” Frank began his career in the Massachusetts State House, where he served for eight years before winning a seat in the U.S. Congress in 1980. Although he is widely-recognized for his work on national issues, Frank has also fought to help New Bedford fishermen, to bring commuter rail to the Southcoast, to provide affordable rental housing, and to support many local organizations and businesses.

Beji Varghese is a Director with Navigant Capital Advisors, the dedicated corporate finance business unit of Navigant Consulting, Inc. (NYSC: NCI), in the Valuation and Financial Risk Management practice. Mr. Varghese is based out of the Washington DC office. Mr. Varghese has been intimately involved in helping servicers mitigate the current issues affecting foreclosure processing. Prior tojoining Navigant, Mr. Varghese was the COO of a specialty residential mortgage servicer. In that role he was responsible for the firm’s infrastructure, operations and servicing system performance. Mr. Varghese also specializes in the area of governance, risk and compliance and has advised multiple companies in the design andimplementation of effective internal controls.Mr. Varghese is also a highly skilled Business Intelligence expert. He has helped several large financial institutions design and implement complex financial reporting solutions and very large data.

Ms. Brody concentrates on federal and state regulatory compliance and enforcement matters, primarily for financial services providers. She represents banks, mortgage lenders and consumer finance companies on a variety of issues, including fair lending, privacy, and information security. She also handles matters involving compliance with the Fair Credit Reporting Act, Home Mortgage Disclosure Act, Fair Debt Collection Practices Act and Real Estate Settlement Procedures Act.

Doug Danko serves as Vice President and Customer Group Manager for MERSCORP, Inc. Doug joined the company in 1998 as the Director of Sales & Marketing and was promoted to Vice President in 2004. As the Customer Group Manager, he is responsible for all customer-related activities including marketing and sales. Prior to joining MERS, Doug was a principal in a Virginia mortgage banking firm specializing in net branching, retail development and subprime originations. He also managed the daily secondary operations of United National Mortgage Corporation where he initiated the retail and correspondent divisions. Doug has been one of the top national wholesale originators at firms such as Sunbelt National Mortgage (currently First Horizon Home Loan Corp.), earning him the President’s Platinum Award twice, and NatWest Home Mortgage (then Fleet Mortgage Group, currently WAMU). Doug started his career as a loan officer for America’s Lending Network, a division of Standard Federal Savings Bank, in Maryland, where he was a top producer for several years. Doug and his wife live in Northern Virginia with their children. He holds a Bachelor of Science Degree from Edinboro University of Pennsylvania.

Joel spent over 25 years in senior Technology and Product Marketing positions at AOL and other web organizations building innovative solutions to difficult user problems. Joel drives the vision and direction for Medallion, relying on his deep product marketing and software development leadership experience to create powerful mortgage solutions for lenders and borrowers. Joel is the former CEO of NextAction, where he led the development of industry-leading data and analytical Online and Direct Mail targetingservices for Catalogers, Retailers, and eCommerce companies. Prior to NextAction, Joel spent nearly 9 years at AOL running Compuserve,Netscape, Mapquest, Wal-mart’s ISP business, AOL Instant Messenger, and ICQ. During his last two years at AOL, Joel led a 600 person software development organization supporting the AOL subscription service’s Billing, CRM, and Client services groups. Joel also spent 12 years in executive management and senior Marketing positions with Rogers Cablesystems, H. J. Heinz, and Campbell Soup Company. He began his career in Strategic Consulting at Bain and Company.

Mr. Chan serves as a Vice President for ComplianceEase, leading automated compliance provider. Michael manages national accounts, including top tier banking/mortgage institutions and Capital Markets firms, as well as government clients. He is also responsible for many of the various company-wide initiatives at ComplianceEase, including managing relationships with regulators on the e-Exam initiative.More notably, Michael spearheads the efforts in conjunction with the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR) to transform and shift the state mortgage examination process into a more automated and uniform environment not only to increase transparency but also promote uniformity. He regularly participates in industry trade group functions to help promote the importance and significance of automated compliance technology for the mortgage industry. With substantial experience in both the client support and integration capacities at ComplianceEase, Michael is knowledgeable in all aspects of how ComplianceEase's compliance and risk management solutions are deployed, implemented, and integrated into centralized and disparate environments. Prior to joining ComplianceEase, Michael served as an Information Technology Consultant to several technology firms in the Silicon Valley. Michael holds a BS in Computer Science & Engineering from the University of California, Davis. Michael received the Certified Mortgage Technologist - CMT designation from Mortgage Bankers Association (MBA).

Fred Melgaard is chief operating officer of Newport Beach, Calif.-based software provider DRI Management Systems.

Christopher M. George is the founder and President/CEO of CMG Mortgage, a mortgage banking and brokering company headquartered in Northern California. CMG is one of the largest and most respected mortgage companies in the San Francisco Bay Area and across the country. Since founding the company in his garage in 1993, Chris has grown CMG into a nationwide company employing roughly 500 professionals in retail and wholesale mortgage lending. Chris George is deeply committed to mortgage industry advocacy, and since 1982, has served on various advisory boards within the industry. He currently serves as Secretary for the California Mortgage Bankers Association. In recent years he also served as an advisor on the Western Regional Advisory Board for the Federal National Mortgage Association (Fannie Mae). George is actively involved in several community organizations including Habitat for Humanity, Bay Area Crisis Nursery as well as the Alameda & Contra Costa Food Banks. Chris and his wife, Teresa, are deeply involved with several organizations dedicated to organ transplants for children.