Banco Popular de Puerto Rico

John Cottrell has over 20 years of experience in mortgage banking, with special expertise in default, foreclosure, bankruptcy and compliance issues. Serving as an officer with institutions such as Vericrest Financial, Saxon Mortgage Services, and PlainsCapital Bank (Prime Lending), Cottrell has compiled a successful track record of ensuring compliance and identifying areas for process enhancement. From 2009 to 2011, he managed the contested foreclosure litigation department for Saxon Mortgage, a division of Morgan Stanley.

Frank T. Pallotta is the owner of Ramsey, NJ-based Steel Curtain Capital Group LLC, a mortgage advisory firm specializing in managing residential mortgage risk through consumer marketing and outreach strategies. Frank has spent more than 25 years in residential mortgage banking having worked for Goldman Sachs, Credit Suisse and Morgan Stanley. He continues to work closely with many of the largest financial institutions in the country, including the GSEs, HUD and the U.S. Treasury Department. His experience includes all aspects of origination, underwriting, servicing, securitization and loss mitigation.Frank can be reached at 201-962-8300 or Frank@SteelCurtainCapital.com.

Jed Kolko, Chief Economist and VP of Analytics, oversees Trulia's research programs. Applying a background in economic development and research methods, he transforms real estate data, economic trends, and public policy debate into digestible insights for home buyers, sellers and renters. In Jed's prior role as Associate Director and Research Fellow at the Public Policy Institute of California, he led research projects and advised policymakers and business leaders on economic, housing and technology policies. Before his work at PPIC, Jed directed Forrester Research's consumer-technology market research, advising corporate executives on technology adoption and demand. Jed has also held positions at the Office of Federal Housing Enterprise Oversight (now FHFA), the World Bank and the Progressive Policy Institute.Jed earned his A.B. in social studies and his Ph.D. in economics at Harvard University.

Scott R. Gibson heads the operations for MountainView IPS. Mr. Gibson joined the IPS team in 2005 and is responsible for overseeing structured products valuation, whole loan analysis and cash-flow modeling. Scott�s team covers more than 4,500 private label RMBS, ABS and CMBS. He has over 14 years of experience in financial analysis and structured products valuation, and his background covers all aspects of structured product analysis, including project management, model development, process control and client presentations. He holds a Bachelors of Science degree from Lehigh University.

Erik joined Stifel Nicolaus in 2006 to create and develop the mortgage finance and whole loan trading group. As the whole loan trader, Erik analyzes, prices and trades performing, sub and non-performing residential, commercial and consumer loans on a daily basis. Erik came to Stifel from U.S. Mortgage where he was Senior Vice President of Capital Markets from 2004 to 2006. With a strong background in analytics and deal management while with Bear Stearns and Sandler O�Neill, Erik transitioned into whole loan trading in 2000 when he joined PAMEX Capital Partners, LLC (PAMEX was later acquired by Hanover Trade, Inc. in 2001). He has successfully marketed over $10 billion in loan portfolios. Erik has been quoted on Bloomberg and publishes �Trends and Color in the Whole Loan Market� on a quarterly basis.Erik holds a B.A. in economics and in history from the University of Michigan.

Allison Brown is the Program Manager for Mortgage Servicing within the Office of Supervision Policy at the Consumer Financial Protection Bureau in Washington, DC. Ms. Brown oversees mortgage servicing examinations and development of procedures for these exams. Before coming to the CFPB, Ms. Brown was an attorney in the Division of Financial Practices at the Federal Trade Commission for over 11 years. There, she worked on mortgage issues, debt relief issues, and other consumer finance issues.

Joaquin Benitez personally experienced foreclosure and is the author of the new book, The Foreclosure Phenomenon: How to Defend Your Home from an Impending Foreclosure.

Charles E. Brown is Senior Vice President and Director of Compliance for EagleBank, where he focuses on (i) assessment and mitigation of business and operational risks impacting banking regulatory compliance; (ii) evaluating and monitoring compliance related operating policies, procedures and business processes; and (iii) staff development, training, and performance management. He has headed internal audit units with responsibility for credit policy and counterparty risk management, structured credit enhancements (mortgage), mortgage asset acquisition, servicing, and loss mitigation for Fannie Mae. At EagleBank, Mr. Brown manages depository, lending and operational regulatory compliance. As Audit Director at Fannie Mae, he spearheaded risk and business reviews of proposals for mortgage credit enhancement transactions, business and loan product development initiatives and mortgage lending programs. As VP, Risk Management/Compliance Officer at Suburban Federal Savings Bank he managed independent reviews of residential real estate development and mortgage loan files for compliance with origination, underwriting, credit and servicing requirements in addition to managing bank regulatory compliance. Mr. Brown earned an MBA in the Executive Fellows Program, Loyola University Maryland, and is a Certified Regulatory Compliance Manager (CRCM) and former Certified Internal Auditor (CIA).

David Rasmussen is a 15-year mortgage industry veteran and senior vice president of operations at Veros.