Banco Popular de Puerto Rico

Mr. Lane serves as director of mortgage administration for Fifth Third Mortgage Company. He is responsible for managing several senior leaders within the Mortgage Company across both sales and operations. Prior to serving as director of mortgage administration, Mr. Lane served as director of business support and control, as a mortgage optimization manager and as a senior business analyst for Fifth Third. Prior to joining Fifth Third, he served as a branch manager for Wells Fargo Home Mortgage. Mr. Lane earned his bachelor’s degree in education from Miami University in Oxford, Ohio. Mr. Lane is a member of the Mortgage Bankers Association. He also is actively involved in his community in Mason, Ohio. Mr. Lane serves as president of the Mason Scholarship Foundation and is a member of the Mason Kiwanis Club. He previously served as a board member of the Festivals of Mason and as vice president of the Greenbrier Community Home Owner’s Association in Mason, Ohio.

Rick Grant is a principal of Jim Thorpe, Pa.-based RGA Public Relations (RGA), a company he founded in early 2007 to provide businesses with customized strategic communications solutions. The firm currently serves some of the most successful firms in the US mortgage lending industry. Prior to launching RGA, Grant founded Texell Interactive Media, a production company delivering electronic audio and video content for Web-based marketing. The company won an award for business podcasting in 2006 and was sold to a prominent public relations firm.Before following his entrepreneurial interests, Grant spent more than a decade as one of the nation’s leading financial industry-focused trade journalists. His articles have been featured in national newspapers, magazines and online publications and he is recognized as one the first bloggers in his industry. Grant is frequently featured in the financial industry’s top publications as a contributing writer and is often asked to share his expertise by speaking at national conferences and hosting seminars.

Kevin Osuna is vice president and director of default services for Gateway Mortgage Group LLC, a complete end-to-end mortgage banking firm that offers origination, servicing and correspondent lending services.

An expert in the dynamics of mortgage and credit markets, Ren Essene is a Senior Policy Analyst on the Mortgage Markets team at the Consumer Financial Protection Bureau. Ren leads the Bureau�s efforts to reform the Home Mortgage Disclosure Act (HMDA). Previously she served as a Supervisory Policy Analyst for the Board of Governors of the Federal Reserve System and co-authored a book chapter with Allen Fishbein entitled, �The Home Mortgage Disclosure Act at Thirty-Five: Past History, Current Issues� for Moving Forward: The Future of Consumer Credit and Mortgage Finance (Brookings Press). Prior, Ren conducted research and engaged in policy efforts at the Federal Reserve Board, Federal Reserve Bank of Boston and the Joint Center for Housing Studies at Harvard. She is a co-editor and lead author in the recently published book, Revisting CRA: Perspectives on the Future of the Community Reinvestment Act. Other publications include Understanding Mortgage Market Behavior: Creating Good Mortgage Options for All Americans, and Consumer and Mortgage Credit at the Crossroads. Prior to her national policy work, Ren spent twelve years as the founding Executive Director of homeWORD, an award winning, community-based development organization in Montana. Ren earned her Masters in Public Administration from the Harvard Kennedy School and her B.S. in Architecture from the University of Illinois.

Jonas Moe is vice president of product strategy for Ellie Mae® (NYSE: ELLI), a leading provider of enterprise level, on-demand automated solutions for the residential mortgage industry. He has extensive product management experience and has been a driving force behind the evolution of many Ellie Mae products for more than a decade. Mr. Moe is responsible for strategy, development, and achieving quality and revenuegoals for all of Ellie Mae’s product lines. These include Encompass360® software,DataTrac® and a new best-of-breed Encompass360/DataTrac offering that is beingdeveloped.During his 12-year tenure at Ellie Mae, Mr. Moe served as group product manager for CenterWise, an all-in-one electronic document management (EDM) and retail website package, and developed the Encompass360 Resource Center, which providesEncompass360 users with online training, and technical support and materials. He alsoproposed and co-founded EllieCares, the company’s volunteer community outreachprogram. Mr. Moe has a Bachelor of Science degree in Restoration Ecology from the Universityof California at Davis.

Jim’s practice focuses on financial services industry federal and state regulatory compliance matters, particularly with respect to reverse mortgage lending issues. Jim represents and advises mortgage companies, consumer finance companies, financial institutions and secondary market investors on issues such as: the review, design and implementation of mortgage loan programs, including adjustable rate mortgage programs, home equity lines of credit and reverse mortgage loan programs. state laws and regulations concerning fees, disclosures, interest rates, and practices. federal laws and regulations including, but not limited to, the National Housing Act, Federal Housing Administration (FHA) regulations, ECOA, FDCPA, HMDA, FCRA, GLBA (privacy), RESPA & TILA.    Jim is Co-General Counsel of the National Reverse Mortgage Lenders Association (NRMLA), the national trade association supporting reverse mortgage originators, servicers, investors and their vendors, and is nationally recognized as one of the leading lawyers in the area of reverse mortgage law.   Recent matters: Performed operational reviews, as well as implementation of compliance programs, for national and regional mortgage lenders, including a review of regulatory approvals, disclosures, fees, and policies and procedures. Counseled a top five (5) servicer in connection with acquisition of servicing rights regarding reverse mortgage loans.  Assisted a Wall Street bank in its acquisition of the stock of a subprime, wholesale lender.  Assisted investors acquiring reverse mortgage lenders.  Assisted a Wall Street bank in its granting of a warehouse credit facility to a regional consumer finance company.  Advised numerous mortgage originators regarding anti-predatory and abusive lending and servicing issues. Assisted various lenders with regulatory and compliance audit issues with state and federal mortgage banking regulators. Reviewed and commented upon federal and state legislation and regulatory pronouncements for various clients. Publications Author, At The Crossroads-Conflict and Uniformity in the Regulation of Mortgage Lending, 60 Consumer Fin. L.Q. Rep. 586. Author, U.S. Supreme Court Hears Preemption Arguments, 60 Consumer Fin. L.Q. Rep. 635.

Phil DeFronzo is the founder and CEO of Norcom Mortgage. He started Norcom in a rented, one-room office in the fall of 1989. Under his leadership, the Company has grown to become an upstanding and respected Regional Lender. Although he says that Norcom’s success has been “all about hiring good people,” Phil has been instrumental in the Company’s success. His achievements include increasing revenue, building brand awareness, and growing the business. In 2011, Norcom was recognized as one of the “Fastest Growing Lenders in New England.” While building his business, Phil also served as a Commissioner on the State of Connecticut Ethics Commission from 1991 to 1998, playing a key role in overseeing registered lobbyists in the enforcement of the State of Connecticut Ethics Code. Phil’s hands-on style has earned him numerous accolades for optimizing internal operations and building outstanding customer service.

Bart Dzivi currently practices law with the Dzivi Law Firm PC in Sausalito, Calif. He has previously served as special counsel to the Financial Crisis Inquiry Commission, acting general counsel to the FHLB of San Francisco, and counsel to the Senate Committee on Banking, Housing and Urban Affairs.

Melissa Koupal is Vice President of Loan Integrity at loanDepot.com, LLC, a nationally licensed residential mortgage company located in Orange County, California. Melissa is experienced in all regulatory and state compliance matters, ranging from licensing to examinations to quality control. She led the company in obtaining licensing nationwide and acquiring over 3000 loan officer licenses in less than 3 years. Further, since leading the quality control effort at loanDepot, she has increased the data integrity and quickness of reporting of defects, improving the feedback loop to days rather than months. Melissa is also the owner of the RegList Serv which is a national business organization of compliance, legal and quality control professionals with over 1100 members. She has prior experience in civil litigation and real estate transactions. Melissa interned at the United States Chamber of Commerce in Washington, D.C, in 2001, and earned her B.A. in Economics, with a Minor in Computer Science, from the University of California at San Diego.

Binh is an experienced technologist that is focused on developing leading software solutions built with contemporary architecture designed to optimize lending operations. He has a proven track record of successfully building and growing software companies in the mortgage banking industry, and holds more than 15 years of experience driving the development of highly flexible and scalable mortgage technology solutions. Binh is currently the President and Founder of LendingQB, a browser-based end-to-end LOS platform, which was officially launched in 2011 and has gained rapid adoption among lenders of all types. Prior to LendingQB, he founded PriceMyLoan, a widely used best-of-breed pricing engine and AUS. Before that, he was the Director of Information Technology at TrueLink, a technology company that built the first web-based underwriting system.Binh’s business creed is that using the right philosophy and a well-defined mission, engineering forward-thinking technology solutions effectively solves highly complex business problems, which otherwise may take others years to identify as being a necessity. Binh is a member for the Mortgage Bankers Association of America, serves as an expert speaker on panels, and is a regular thought leader in the mortgage media. He received a B.S. in Computer Science from the University of California, Irvine.