Banco Popular de Puerto Rico

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.

Orszag is a Bloomberg View columnist. He is a vice chairman of investment banking at Lazard. He was President Barack Obama’s director of the Office of Management and Budget from 2009 to 2010 and the director of the Congressional Budget Office from 2007 to 2008.

Melinda Zabritski is senior director of automotive credit at Experian.

Monica Orluk has an extensive background in retail banking and consumer, commercial and mortgage lending. Since joining Fiserv, Monica has performed various functions, including conversions, project management, consulting, and product development, with a focus on large consumer banking clients and their lending technology and operational needs.As Product Manager and Consumer Strategist for the lending solutions business, Monica�s collaborative spirit plays a key role in the development of consumer lending functionality and use of emerging technologies in Fiserv�s lending solution suite. She has contributed numerous articles on lending-related topics to industry publications and is a popular panelist and moderator at industry conferences. Monica holds a Bachelor of Science in Business Management from the University of Phoenix, where she graduated with honors.

Barry Habib is an American entrepreneur and frequent media resource for his mortgage and housing insight. Habib has had a long tenure with monthly appearances for CNBC and Fox.Barry is chief market strategist for Residential Finance. He started in the mortgage business in 1986 as an originator. Barry originated over $2 billion in personal production, averaging over $100 million per year in personal production over his 24 years of originating.Additionally, Barry is the CEO of MBS Highway; a company and platform created to help interpret and forecast activity in the mortgage rate and bond markets.He is also the lead producer and managing partner for �Rock of Ages��a musical theatrical production running on Broadway, London, and touring the U.S.� It was also released as a major film, starring Tom Cruise, in 2012. Barry also plays the part of the record producer in the movie.For the past 20 years, Barry is a well-known professional speaker on the financial markets.