Banco Popular de Puerto Rico

Bob Corker grew up in Chattanooga, Tennessee. He attended public schools, played sports, and from an early age learned to love and value hard work. He took his first job at age 13 picking up trash and spent his teenage years bagging ice, working at the Western Auto and putting in long hours as a construction laborer. Bob graduated from the University of Tennessee in 1974 with a degree in Industrial Management, and after working four years as a construction superintendent, he started his own construction company with $8,000. The company grew as it quickly gained a reputation for meeting deadlines on time and under budget and eventually expanded to operations in 18 states. In 1999, Corker acquired two of the largest and oldest commercial real estate companies in Chattanooga.After traveling with his church on a mission trip to Haiti in his late twenties, Bob began to take a closer look at needs in his own community. He led the creation of Chattanooga Neighborhood Enterprise, a non-profit organization that today has helped over 10,000 families secure decent, fit and affordable housing through low-interest loans and personal training in home maintenance. In 1994, Bob was appointed Tennessee Commissioner of Finance and Administration, where he served for two years in the highest appointed office in state government. As commissioner, he tightened the state's budget and helped move almost 40,000 Tennesseans off welfare and into jobs. In 2001, Bob was elected mayor of Chattanooga. During his four-year tenure, he attracted $2.1 billion of new investment to Chattanooga, transformed the waterfront, implemented merit bonus pay for teachers which dramatically raised student achievement in some of the city�s most challenged schools, and worked with local law enforcement officials to cut violent crime in half. On November 7, 2006, Bob Corker was elected to serve the people of Tennessee in the United States Senate. He is ranking member of the Foreign Relations Committee and an active member of the Banking, Housing, and Urban Affairs Committee.

Keith Luedeman�s business experience began with IBM. He spent the first 7 years after college working for the industry leader in a variety of Technical and Sales positions, gaining the experience of starting the IBM Consulting Services Groups in NC and SC. He attended the IBM President�s Class and CEO Business Strategies, taught by Harvard Business School and The Business of Banking class taught by Kellogg & Wharton Business School professors, as well as the Dale Carnegie Human Relations and Public Speaking Course. Duplicating the growth he had witnessed at IBM within a small company, Keith became instrumental in the growth of a Retail Services Technical Consulting Group from 20 to 100 and the launch of a new product. This growing company was acquired, and his e-commerce consulting division was then acquired by another company. Rounding out his channels experience, Keith then became Director of Software Marketing for JBA as they were being acquired by Avnet, a Fortune 100 $7B Hardware, Software & Services firm. Throughout this process he gained an accidental expertise in M&A Activity. In 1998, studies showed that the Internet mortgage market would grow from 1% of all mortgages in 1999 to up to 51% by 2005. Even if those numbers were off by half (which they were), there was still an incredible market opportunity. Keith acted on this opportunity in Internet lending, founding goodmortgage.com in 1999. Starting with a small investment, goodmortgage.com paced its growth. Keith treated the company as a small business that had to succeed for the long-term instead of gambling on venture capital and a quick exit strategy. By focusing on growing wisely, spending wisely and hiring wisely, Keith has built a thriving lending leader whose presence is felt throughout the loan industry. Even when the industry was in decline, goodmortgage.com sustained growth and continues to grow with strategies and opportunity tied to quantifying growth instead of attaining growth. Recently the company was named the Online Lender of the Year Industry Award at the Mortgage Bankers Association National meeting. Luedeman has a BS from Clemson University with a combined major of Mathematical Science and Computer Science. He graduated in 1987 as member of Calhoun Honors College and was President of the Pi Mu Epsilon Math Honor Society.

Roberto is a Principal with PwC’s Consumer Finance practice and is responsible for leading the practice’s digital lending efforts. He has extensive experience in advising banking and lending clients on customer experience, strategy, operations and risk management.Roberto has over 15 years experience in the financial services industry in both a consulting capacity and also working for two of the top 10 global financial institutions. He is a frequent speaker at industry conferences and the author of several news articles as well as whitepapers on the topics of digital lending, customer experience, operational strategy, and target operating model design.Roberto is an MBA from the University of North Carolina at Chapel Hill, and is a Bachelor of Science in Business Administration from Universidad Panamericana in Mexico.

Amy S. Mushahwar is an experienced data privacy, security, and management attorney with more than 15 years' experience in the technology industry in both legal and engineering capacities. She defends companies in privacy-related matters, including privacy litigation, breach of security litigation, and advises on regulatory issues involving e-commerce, including social networking sites, the use of mobile platforms in banking transactions, and PCI compliance for payment cards. Amy also assists clients in the development of integrated digital platforms, particularly those using the Internet, cloud computing, emerging payments, database APIs, and mobile technology. Amy is an editor of the American Bar Association's Data Security Handbook, and authored numerous publications that have appeared in titles like Corporate Counsel and Information Security Magazine, among other publications.Amy is a magna cum laude graduate of the Catholic University, Columbus School of Law. In her spare time, Amy is on the White Hat Gala Committee to benefit Children's National Medical Center.

Pete Radike is director of product management, lending solutions at Fiserv.

Roger Gudobba is the Chief Strategy Officer for Mortgage and part of the Senior Management Team at Compliance Systems. He has over 25 years experience and is a long time advocate of the importance of data quality and its impact on the industry�s move to a fully electronic mortgage. He has been actively involved with MISMO since its inception and an early proponent of the role of XML for data. Roger is a past winner of the Steve Fraser Award and the Lasting Impact Award from National Mortgage News.

John Bauer is senior vice president of Credit Services at CoreLogic.� He is responsible for managing strategic and operational initiatives for the CoreLogic Credco, TeleTrack, SafeRent and Jenark divisions, as well as CompuNet Credit Services.

Jim Rosen is the Vice President of Operations for Finale Document Services, the mortgage document preparation service offered by Accenture Mortgage Cadence. In this capacity, Jim oversees a team of seasoned professionals offering dynamic document preparation services to lenders on the Accenture Mortgage Cadence platforms and independent, directly integrated lenders across the lending spectrum. Finale Document Services supports automated document preparation for origination and servicing customers across the mortgage lifecycle. Jim holds a bachelor�s degree from the University of Colorado and has served in various capacities of the mortgage service industry for over 15 years, with particular depth and experience with residential mortgage document preparation.

Jessica Manna is VP & Chief Marketing Officer at Residential Finance where she directs offline and online lead generation, public relations, and brand management. Jessica was named #2 on Direct Marketing News� list of �Top 30 [Marketers] Under 30� and received an Executive M.B.A. from THE Ohio State University.