Banco Popular de Puerto Rico

Paul Imura has a proven track record driving profitable growth at Fortune 500 and global mortgage services companies. With over 25-years in the mortgage industry, he has held senior leadership positions in marketing, product development, risk management, finance, technology, analytics and business development at global organizations such as ISGN, Accenture, GE, AIG and Allstate.Imura has a deep understanding of housing finance in U.S. and international markets including Asia, Europe and South America. He has designed numerous profitable mortgage products with a focus on borrower safety and security, especially for first time homebuyers. Prior to the housing crisis, Imura made an insightful prediction at the 2005 Mortgage Lending Diversity Conference on pending problems from risky mortgage products mismatched to borrowers based on a mathematical framework.Imura is currently the Chief Marketing Officer of ISGN Corporation and President of ISGN Solutions Inc., where he is responsible for marketing, product innovation, solutions architecture and growth initiatives. Since 2012, he has driven transformational changes at ISGN such earning numerous industry awards for innovation (like the Mortgage Technology Release of the Year) and market leadership, as well as growing brand awareness.Imura currently serves on the Board of Directors for ISGN and has also served on the Asian Real Estate Association of America (AREAA) board, a nationwide trade association focused on improving homeownership rates. Imura currently advises new lending platforms such as Solution Lending Services as a board advisor to areas of product innovation with a balance against risk management.Imura holds a degree in Economics from the University of California, Berkeley and is an Accredited Mortgage Professional from the School of Mortgage Banking. He is also certified in Six Sigma by GE’s Quality program. Imura currently resides in Cary, North Carolina with his wife Karen and has two sons who attend the University of North Carolina, Chapel Hill.

David Fiderer has previously worked in energy banking for more than 20 years. Prior to then, he worked in international tax law. He has written extensively about the financial crisis and is currently working on several projects concerning housing finance. His e-book on Fannie and Freddie is currently being updated to include GSE policy under the Obama Administration and will be published in hard cover.

Terry Moore is senior managing director and global head of Accenture Credit Services�

Christopher is an investment banker and author who lives in New York Cit . He is Senior Managing Director and Head of Research at Kroll Bond Ratings Agency . Over the past three decades, he has wo rked for financial firms such as Bear, Stearns & Co., Prudential Securities, Tangent Capital Partners and Carrington . He was a co-founder and principal of Institutional Risk Analytics from 2003 through 2013, when the firm was acquired by Total Bank Solutions. Christopher is the author of the December 2010 book, "Inflated: How Money and Debt Built the American Dream," now in a second printing from John Wiley & Sons. He is completing a new book co-authored with Frederick Feldkamp entitled �Financial Stability: Fraud, Con fidence & the Wealth of Nations� scheduled to be published by John Wiley & Sons in the second half of 2014. Christopher is a member of the Advisory Board of Weiss Residential Research in Natick, MA He is a fellow of the Networks Financial Institute at Indiana State University. Christopher is a member of the Finance Department Advisory Council at the Villanova School of Business and a member of the Economic Advisory Committee of the Financial Industry Regulatory Authority (FINRA). Christopher is a member of the National Association of Business Economists. He is a member of Professional Risk Managers International Association and was regional director of PRMIA�s Washington DC chapter from 2006 through January 2010. Christopher currently writes a twice weekly column, Washington & Wall Street, on the Breitbart News web site . He also contributes articles to Zero Hedge, American Banker, Housing Wire and The National Interest. Christopher has testified before Congress , the Securities and Exchange Commission and Federal Deposit Insurance Corporation on a range of financial, economic and political issues . He appears regularly in such media outlets as CNBC, Bloomberg, Fox News and Business News Network. He is active in social media under the Twitter handle �rcwhalen�.

Courtney Gilmer is a bankruptcy and creditors' rights shareholder in the Nashville office of Baker Donelson.

Karen M. Morgan is an experienced consumer financial services attorney who counsels national mortgage servicers and financial institutions on compliance issues and legal risks under state and federal financial services laws and regulations. Ms. Morgan has handled the following representative work:Counseled a national mortgage servicer on compliance issues in an Examination by the Consumer Financial Protection Bureau; analyzed servicer's practices under financial services laws, including the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TlLA), and Fair Debt Collection Practices Act (FDCPA); and drafted responses to Examination requestsCounseled a national financial institution on legal risks under relevant state and federal financial services laws and regulations, including TlLA, the FDCPA, the Fair Credit Reporting Act (FCRA), the Servicemembers Civil Relief Act (SCRA), and federal bankruptcy statutesManaged a team of attorneys completing a loss mitigation and fair servicing internal investigation and loan file review for an international financial institutionAnalyzed the applicability of state financial services laws related to default servicing for a national financial institution for a 51-jurisdiction chart summarizing findings

Kelly Adkisson is an executive with Accenture Credit Services.

Arlene Hyde is senior vice president at CoreLogic. She is responsible for coordinating CoreLogic sales and business operations to design customer development strategies and provide solutions to the company�s largest clients. Prior to joining CoreLogic, Arlene was the founder and president of Hyde House Group, a financial services consulting company. Arlene also previously held several executive positions managing different business lines for JP Morgan Chase, CitiMortgage, Mellon Mortgage and Washington Mutual.With a solid background in operations management and P&L focus, Arlene has served in a number of leadership roles over the course of her career within a variety of business segments, including retail, consumer direct originations, correspondent and wholesale business lines, servicing and default management. She has more than 30 years of experience in the mortgage lending industry. Arlene earned a bachelor of science degree from Southern Illinois University.

David Elliott serves as chair of Burr & Forman LLP's �financial services litigation group and is a partner in the firm's Birmingham, Ala., office.