Banco Popular de Puerto Rico

Jerry leads Information Technology at Guaranteed Rate, Inc the 8th largest Mortgage company in the U.S. His mission is the digital transformation of the Mortgage experience by developing unique products using Mobile, Cloud, Online and Web Services. His goal is a completely paperless end-to-end mortgage process. Jerry has had C-Level roles at JP Morgan (Washington Mutual), Bank of America (Countrywide) and McKesson Corporation. Additionally, he led engineering, product management and services for TurboTax and Online Banking at Intuit, Inc. Jerry is the founder of several successful startups and has advised the Fortune 500 on digital transformation, product management and online services. Jerry is a graduate of the David Syme School of Business at Monash University in Melbourne, Australia.

Mr. Anselmo brings more than 28 years of experience in the banking and mortgage industries as CEO of The MRN Companies. Prior to founding MRN cubed and SigniaDocs, Anselmo served as President and CEO of Mortgage Resource Network (MRN), a Business Process Outsource and Technology provider to the mortgage industry which he founded in 1999. Clayton Holdings acquired the company in 2006 with Anselmo serving as a member of Clayton�s executive management team. Recognizing the many benefits of the eMortgage, he left Clayton to concentrate on the launch of SigniaDocs at the end of 2006. Utilizing a combination of SigniaDocs� technologies and MRN�s outsource services he oversees the strategy and migration of his clients to an eMortgage environment for origination, purchase and servicing. Anselmo has held a variety of positions during his career, including Executive Vice President for a firm providing Due Diligence and Origination Support Services to the mortgage industry becoming the largest vendor to the RTC. He spent 15 years in the banking industry and served as a senior officer for an $87 billion bank holding company from 1982 to 1993. In 1990 he was chosen to manage the start up of the Credit Administration and Loan Servicing divisions of a newly formed subsidiary for the administration of failed bank assets, acting as a liaison to the FDIC. He also oversaw process re-engineering engagements of Accenture (formerly Andersen Consulting) while in the banking industry and later with DACOM after exiting the banking industry. He has been published in Mortgage Technology and Mortgage Banking magazines and has been a frequent speaker at Mortgage Bankers Association conferences. Anselmo graduated with a Bachelor�s degree in economics and finance from the University of Texas at Dallas.

Jeff Bradford is the founder and CEO of Bradford�Technologies, the leader in the new field of computer-aided appraising software.� He has�over 26 years of experience creating innovative solutions for appraisers and is a nationally recognized expert�in�computer technology and analytics. Prior to founding Bradford Technologies, Mr.�Bradford worked at companies such as Apple Computer, Structural�Dynamics Research and FMC Central Engineering Labs. He holds three masters degrees. One in Engineering Mechanics, Computer Science and an MBA.

Eileen Fitzgerald is the CEO of NeighborWorks America.

CRM pioneer Mike Muhney, the co-creator of ACT! software (credited as the catalyst for the "customer relationship management" industry), is CEO of mobile relationship management purveyor vipOrbit�the first relationship-centric contact manager solution enabling mobile business professionals to manage their contacts, calendar and client/customer interactions across Mac, iPhone and iPad platforms. He may be reached at www.VIPOrbit.com.

Garth Graham heads STRATMOR Group’s marketing strategy and execution practice, which focuses on lead generation and lead management methods and practices primarily for the consumer direct and retail mortgage origination channels. Graham has over 25 years of experience in sales and marketing, ranging from Fortune 500 companies to successful startups, including management of two of the most successful e-commerce platforms, and was one of the original founders of mortgage.com.� As an executive with ABN-AMRO, Graham was part of the executive group and author of the 5-year strategic plan that led to the successful $9 billion sale of the mortgage company to Citigroup in March of 2007 which closed before the market downturn.Graham was a founder and key member of the executive management team at mortgage.com, and led the company through its dramatic expansion in the late 90s and successful IPO in 2000, before its ultimate sale to ABN AMRO. �Mortgage.com originated the first mortgage through the Internet in 1997 and was the original platform for the Quicken and Microsoft mortgage initiatives.Graham also worked for 9 years at Chase Manhattan Mortgage, where he developed the corporate and affinity marketing programs, securing Fortune 500 accounts, including the successful sale of Union Member Mortgage Program, an exclusive relationship between Chase Mortgage and the 13 million members of the AFL-CIO.Graham’s regular columns in National Mortgage News and American Banker are widely read. He has been quoted extensively in industry periodicals, resulting in over 40 million press impressions over his career. Graham studied Economics and Computer Science at the University of Virginia and has completed Six Sigma Champion and Green Belt Training.�

Josh Moffitt is president of Silverton Mortgage Specialists Inc., Atlanta.

John H. Dalton, former Secretary of the Navy, joined The Financial Services Roundtable in January 2005 as President of the Housing Policy Council to guide the expansion of the Council and its public policy agenda to the Administration and Congress. HPC was formed in May 2003, and is the premier forum for leaders of the financial services industry to positively influence issues in the housing policy arena. Thirty-one member companies comprise the HPC, originating, servicing and insuring more than 75 percent of the mortgages in the nation. The HPC believes a vibrant and fully integrated mortgage and housing industry is a central pillar of a healthy economy.Secretary Dalton has had a distinguished career in government beginning as a naval officer. Serving in the Navy from 1964 to 1969, he attained the rank of Lieutenant while serving on active duty and subsequently was promoted to Lieutenant Commander in the U.S. Naval Reserve.In 1977, President Carter nominated him to be President of the Government National Mortgage Association of the U.S. Department of Housing and Urban Development. In December 1979, President Carter nominated him to the Federal Home Loan Bank Board, where he served as a member and chairman until July 1981. On July 1, 1993, President Clinton nominated him to become the Secretary of the Navy. Secretary Dalton was sworn in as the 70th Secretary of the Navy on July 22, 1993 and served in that capacity until November 1998.In the private sector, Secretary Dalton began his career with the investment-banking firm of Goldman, Sachs & Company in Dallas, Texas. He was also President of the Real Estate Division of the Gill Companies of San Antonio, TX; Chairman and Chief Executive officer of Freedom Capital Corporation, Managing Director of the merchant banking firms Best Associates and Mason Best Company as well as heading the San Antonio office of Stephens Inc., a Little Rock, Arkansas-based investment banking firm. Most recently Secretary Dalton was President of IPG Photonics Corporation in Oxford, Massachusetts.Well versed in investment banking, leadership and management, he currently serves on the boards of directors of Washington First Bank, BGC Partners, Inc. and Fresh Del Monte Produce, Inc. Mr. Dalton also serves on the board of the White House Historic Association.Secretary Dalton is actively engaged in the world community through his volunteer activities. He serves on the Advisory Board of the Center for Strategic and International Studies and is a Chalice Bearer and Lay Reader at the Washington National Cathedral, where he is a member of the Chapter. He is a member of the Alfalfa Club and is a participating supporter of Habitat for Humanity and the Cystic Fibrosis Foundation.He graduated with distinction from the U.S. Naval Academy in 1964, having served as Deputy Brigade Commander, the Academy�s number two ranking position. In 1971 he received a Master of Business Administration Degree from the Wharton School of Finance and Commerce of the University of Pennsylvania.

As Managing Director for RR Donnelley�s Global Real Estate Services division, Jeff provides portfolio and loan risk analytical services for investors and also directs teams of consultants performing mortgage banking operational audits and loan file reviews. Prior to RR Donnelley, Jeff led EAG Consultants, assisting banks and vendors in strategic technical and operational improvement initiatives. Jeff also worked for Meta Group (division of Gartner Group) as a financial industry analyst and Computer Sciences Corporation as a computer scientist. Jeff holds an MBA in Finance and Banking and is certified in Risk and Information Systems Control by ISACA. He also holds BS in Computer Science and an MS in Cybersecurity with a CISSP certification from ISC2.