Banco Popular de Puerto Rico

Kevin Cloyd, a 20-year veteran of the mortgage industry, is president of Carrington Property Services LLC, a national asset management company specializing in the preservation, management, rental and disposition of residential properties, with a focus on bank-owned properties.

David Walton is responsible for strategic technology direction and technology leadership with emphasis on software and systems architecture, SDLC process, ASP hosted operations, ALM, information security, and leveraged services. He has over 27 years of experience in software design, architecture, IT and business management. Walton began his career at Darby & Mitchell, Inc., where he served as COO, Project Manager, and Computer Systems Manager. He joined Fiserv in 1996 and has served in many roles at the business unit and corporate level, including VP Operations and CTO. Walton has led or served on numerous Fiserv technology/governance-related bodies focusing on architecture, fraud controls, infrastructure, security and technology integration.He is an MBA Certified Mortgage Technologist, has served on the Mortgage Bankers Association Residential Technology Steering Committee and was Co-Chair of the MBA Residential Technology Software and Services Subcommittee. He holds B.S. and M.S. degrees from West Virginia University.

Greg Holmes is national director of sales and marketing at Credit Plus Inc., Salisbury, Md. Credit Plus is a provider of credit and mortgage information services. He can be reached at beyondbundled@creditplus.com.

Accomplished financial services industry executive with extensive leadership experience, especially in the residential and commercial mortgage markets.� Has hands-on lending life cycle expertise, including loan servicing and as an executive of the financial and risk management divisions of large residential and commercial mortgage operations.� Most recently led the start-up of a de novo regulatory compliance organization at Freddie Mac (as Agent for the Department of the Treasury), known as Making Home Affordable-Compliance (MHA-C). Was subsequently charged with monitoring compliance activities of the nation's largest mortgage servicers.� As leader of the MHA Large Servicer Compliance, assembled a team of industry professionals, designed, implemented and executed a comprehensive compliance monitoring program instrumental in winning the confidence of principals at Freddie Mac and the Department of Treasury.� Earlier career roles included building and implementing the first regulatory compliance organization for Freddie Mac and later Chief Compliance Officer.

Randall Clark � Vice President of Client Services � Mr. Clark is a certified Project Management Professional, with more than 30 years of professional experience designing, implementing and operating highly complex information systems for the mortgage and financial industry. A seasoned professional delivering and supporting highly sophisticated solutions for complex client problems. He is highly experienced in supporting systems development lifecycle and large cloud-based systems in SaaS environments. He was formerly with Booz Allen Hamilton in their Federal IT sector working with Federal technology modernization with prior engagements as Program Manager for FHA and Ginnie Mae, preceded by many years of hands-on lending life-cycle experience as General Manager of a large scale mortgage subservicing operation with more than 200 staff. Mr. Clark is recognized as a creative leader with a detail-oriented acumen focused on delivering high quality, reliability, and excellent service.

Randy Schmidt, President of Data-Vision, Inc., became involved in the IT side of mortgage banking almost 25 years ago when he joined Data-Link Systems, Inc., to work on their loan servicing system. He quickly moved into the company�s newly emerging PC-based origination division as one of its founding personnel. In 1993, Mr. Schmidt co-founded Data-Vision, Inc., in Mishawaka, Indiana as a Web design company. He combined his previous mortgage experience with Internet knowledge to make Data-Vision one of the premier online mortgage technology companies around today. In fact, Mortgage Banking magazine recognized him as one its 2005 Mortgage IT All-Stars.

Shaivali�s experience spans 9 years, working within the customer and digital domains at Fortune 100 companies and organizations in Europe and Asia. She leads PwC's Experience Radar solution which builds rich intelligence around what experience means to today�s global consumer. She helps clients employ analytics and customer understanding to create differentiated experiences across sectors spanning travel to banking. Her team�s work has been featured in the New York Times, Fortune, Forbes and USA Today. Prior to PwC, she worked in industry at American Express and GE and for non-profits where she explored the interconnection between people, culture and business through education and microfinance. She holds a B.A. and M.B.A from the University of Michigan and resides in New York City.

Dave Gallegos is a branch manager for Fairway Independent Mortgage Corp. He is a 16 year industry veteran who owns and operates offices in the Denver Metro Area. You can contact Dave via e-mail at daveg@fairwaymc.com, or 303-347-7575.

Tracy Starr is a financial and environmental litigation attorney in the Atlanta office of Baker Donelson.

Steve Ozonian is president and CEO of Williston Financial Group.