Banco Popular de Puerto Rico

Jeff Knott is the 2013 secretary and communications chairman for the Electronic Signature and Records Association and assistant vice president at Equifax. At Equifax, Knott is a member of the product management team responsible for The Work Number�database along with other employment, income, identity and asset verification services. He has direct oversight of the company�s IRS Income (4506-T form tax transcript fulfillment) and Social Security number verification products.

Gregg Lehman is product manager, enterprise content management at Fiserv.

Mr. Kanouff is a seasoned manager of the default industry, currently serving as President and CEO of Statebridge Company. Statebridge is a servicer of residential mortgages founded in 2008 with approximately $1.4 billion under management.In addition, Mr. Kanouff is a founder and Managing Member of Geneva House Management, a manager of a series of hedge funds that invest in distressed debt. Prior to founding Statebridge and Geneva, Mr. Kanouff served as President of Clayton Fixed Income Services (f/k/a The Murrayhill Company) beginning in 2003.Prior to his tenure at Clayton, Mr. Kanouff was a corporate and securities attorney for Dorsey & Whitney in its Denver and London offices. Mr. Kanouff has a JD from the University of Denver and BS degrees in Philosophy and Political Science from Syracuse University.

John is the CEO and a founder of NextJob, a national company driving innovation in the reemployment and outplacement industries. Among its industry firsts, NextJob launched the nation�s first lender-sponsored homeowner reemployment service with Fifth Third Bank in 2012, helping homeowners at risk of foreclosure land jobs and keep their homes. NextJob works with three other lenders in this new approach, including M&T Bank. Working with employers, NextJob partnered with Equifax Corporation to launch the unemployment claims management industry�s first reemployment service in 2009. It also piloted Utah�s state online workshops as a work search requirement for unemployment insurance in 2011, driving strong improvements in integrity and reduced unemployment spells. John also serves as the President of the American Institute for Full Employment, a nonprofit think that develops best practice reemployment programs and consults with state government workforce agencies. There, he has developed model reemployment policy and program designs with the American Institute since 1998 for a number of state agencies across the US, including helping advance the $40 million Texas Back to Work initiative that won US Department of Labor�s 2010 Innovation Award. He has written on topics such as reemployment best practices, hiring statistics, job board innovation, unemployment insurance tax structure efficiency, wage subsidy programs, implementation of the Workforce Investment Act and the American Institute�s nationally-published state unemployment report cards. Most recently, John has written expert testimony for the Institute�s appearance in U.S. House of Representatives and the U.S. Senate Finance Committee hearings on job creation and unemployment policy. John has taught business planning and practiced law for 20 years in business and employment law and mergers and acquisitions. He holds a B.A. in Economics from Bucknell University and an MBA in Entrepreneurship and a law degree from the University of Pittsburgh. John enjoys job coaching and life coaching is also certified as a Stephen Ministry life coach.

Al Crisanty is vice president of national wholesale production for�360 Mortgage Group, a privately-owned mortgage banker, with a 100% focus on third party origination. Crisanty is responsible for overseeing regional sales managers. He may be reached by phone at (916) 761-1624 or email�him at acrisanty@360mtg.com.

Silas Ellman is co-founder at RGR Marketing/ReallyGreatRate Inc. He can be reached at silas@rgrmarketing.com.

John Chiles is an attorney at Burr & Forman LLP, Birmingham, Ala.