Banco Popular de Puerto Rico

Michael Christensen is director of strategic relations for CoreLogic Collateral Solutions. He is responsible for managing key communications and messaging for existing and new valuation products, services and clients. Prior to joining CoreLogic in January 2011, Michael was president of National Transaction & Valuation, Inc., a real estate counseling, valuation and due diligence firm. He previously held several executive roles at LandAmerica Commercial Services and LandAmerica OneStop, where he was involved in business development, client management and executive profit center management. He led his own appraisal firm for 18 years, Michael H. Christensen & Associates, Inc., until merging his business with the LandAmerica Financial Group of Companies. Michael has more than 25 years of executive experience in innovative valuation, market development, contract negotiation and operations management. He is qualified as an expert witness in Utah District and Federal Bankruptcy Courts and has extensive courtroom experience. He also served two terms as Governor's appointee to the Utah Real Estate Appraiser Licensing and Certification Board; serving as vice chair and chair of that board. He currently serves on the board of directors for an FDIC insured Bank and has served on a variety of public and private and industry boards, committees, and panels.Michael holds a bachelor’s of science degree in business management, as well as the SRA professional designation offered by the Appraisal Institute.

Mr. Emerling has over 40 years of management expertise in banking and mortgage lending with extensive experience in operations, regulatory compliance, servicing, and risk management.� Mr. Emerling previously served as the President of a national FHA Association and served as the speaker for Fannie Mae, the National Reverse Mortgage Lending Association (NRMLA) and the Mortgage Bankers Association (MBA).�Mr. Emerling has spent the last 7 years managing quality control, operations and servicing compliance within the forward and reverse mortgage lending industries. From 2005 to 2009, Mr. Emerling was responsible for developing and managing the compliance, risk and quality control systems for Financial Freedom Senior Lending Corporation.� At its peak, Financial Freedom was funding more than 4500 reverse mortgage loans per month of which Mr. Emerling was responsible for the FHA quality control audits, FHA insuring, regulatory compliance, servicing compliance, wiring detail and overall risk management.� He was also responsible for the oversight of any OTS, FDIC, FHA or other GSE audits.Since 2011, Mr. Emerling has worked as the Senior Vice President of Mortgage Operations at Silvergate Bank, a California state charted bank. He has oversight for the lending operations for both the forward and reverse mortgage departments. He also interfaces with the servicing departments for both forward and reverse mortgages.

Paul Wible, Senior Executive Vice President and National Finance Group Head, joined the bank in 1992. He is a member of the bank’s Executive Management Committee. Wible is responsible for the bank’s National Finance Group which encompasses five divisions. National Indirect Consumer Lending originates and services automobile loans and leases through a network of dealers within the Bank’s 19-state footprint plus Georgia, Texas and Florida as well as recreational vehicle and marine loans nationally through a network of dealers and subsidiary Essex Credit Corporation.Direct Consumer Lending originates and services home equity loans and lines of credit and installment loans through the Bank’s branch network. Mortgage Banking originates and services residential first mortgage loans through the branch network and a dedicated sales force. Credit and Debit Card Services is responsible for personal, small business and commercial credit and debit cards. Business Link originates commercial loans and lines of credit for small businesses through the branch network.Prior to his current position, Wible was Executive Vice President responsible for the branches and business banking centers. Wible also held management positions in Consumer Finance and Consumer Credit Operations. Wible’s prior experience includes finance and treasury related positions. He also spent five years with Ernst & Young in San Francisco.Active in civic and professional affairs, Wible is a member of the American Institute of Certified Public Accountants; member of Pacific Bankers Management Institute Board of Directors, the senior governing body of the Pacific Coast Banking School; and a member of the Consumer Bankers Association Government Relations Committee and Auto Finance Committee. Wible received his degree from St. Mary’s College and holds a CPA license in California.

Christopher L. Saitta is the chief executive officer of Equator. Mr. Saitta co-founded Equator in 2003 and currently presides over strategic direction and corporate alignment for all business units. Mr. Saitta has over 25 years of executive management leadership experience and has led technology innovation with such companies as eBay, Idea Labs and the California Institute of Technology.

As ISGN's vice president of Compliance Solutions, Deana focuses on building and executing a roadmap to expand the company's compliance offerings and services. This is a critical role, as lenders� needs for cost effective and comprehensive solutions continue to grow. Deana has more than 13 years of progressive mortgage and compliance experience. Prior to joining ISGN, Deana worked for Bank of America where she held the positions of AVP, Sr. Operational Risk and AVP, Compliance and Fraud Analyst Quality Assurance. Deana holds a Bachelor of Arts in Business Arts and Applied Science from Midwestern State University.

Mr. Haspel serves as CFPB's senior expert in residential mortgage servicing and securitization, overseeing policy and research initiatives. Prior to joining CFPB, he was the Director of Asset Management and Servicer Monitoring at Ginnie Mae, where he was responsible for monitoring and surveillance of Ginnie Mae's servicers and management of defaulted issuer portfolios.Before joining Ginnie Mae, he was a Senior Director at Capital One where he was responsible for the held-for-investment whole loan mortgage portfolio. Prior to that, he has held senior positions in structured finance, servicing and capital markets at Fannie Mae, BlackRock, GE Capital and National Cooperative Bank. He has over 20 years of experience in the mortgage industry and holds a B.S. from Georgetown University and a M.B.A. from the University of Michigan.

Catherine Brown is a Managing Director of Treliant Risk Advisors. Catherine is also a specialist in Consumer Compliance and advises clients on regulatory requirements and trends in Fair Lending, Community Reinvestment Act programs, Anti-Money Laundering, and Enterprise Risk Management. Catherine has designed and implemented regulatory compliance programs for large, complex institutions. She has considerable experience in managing relationships with federal regulatory agencies, which includes preparing banks to anticipate and respond to regulatory inquiries and remediation. Catherine previously consulted in the Financial Institutions Risk Management practice of Crowe Horwath, LLP where she provided significant thought leadership and advisory support in matters pertaining to consumer compliance, enterprise compliance management, and ERM. Catherine is also an experienced operating executive, having held senior management positions at Citizens Financial Group (the U.S. Bank holding company of Royal Bank of Scotland), and its predecessor bank, Charter One Bank. During her tenure, she chaired and participated in various corporate governance committees related to major consumer and enterprise risk management issues. Most notably, Catherine served as Senior Vice President and Chief Corporate Compliance and Ethics Officer for this major banking institution. Catherine received her J.D. from the University Of Dayton School Of Law, an M.B.A. from Case Western Reserve University, and is active in the American Bar Association.

Carline Mildor is AVP Attorney Oversight in the Vendor Procurement and Governance department at Nationstar Mortgage (“NSM”).  Ms. Mildor was previously Associate General Counsel in the Legal department of NSM.  Prior to joining NSM she served as a senior attorney in several foreclosure law firms in Florida.  She is a graduate of Florida State University College of Law and received a B.A. from Tulane University.

Richard Koss is the Director of Economics with the Economic and Strategic Research Group. In this leadership role, Koss provides strategic insight to the economic, housing, and mortgage market forecasts and analyses and serves as a company thought leader internally and with external constituent groups. Koss is an important source of information and commentary on the external business and economic environment, and is a key spokesperson on the economy, housing, and mortgage markets.Prior to joining Fannie Mae, Koss spent over 20 years in senior positions on Wall Street, most recently as Senior Vice President and Director of Global Investments at Brown Brothers Harriman. In this role he had primary responsibility for investment strategy across a wide variety of institutional and wealth management clients. He served as the primary spokesperson on economic and capital market developments at BBH, the largest and oldest private bank in the U.S.Prior to joining BBH in 1998, Koss worked as Senior Advisor to the General Motors financial staffs in NY, providing economic and market analysis to the firm’s top management. Prior positions include Staff Economist at the Council of Economic Advisers under Chairman Alan Greenspan.He is Chairman of the Conference of Business Economists, a member of the International Conference of Commercial Banking Economists, and the Economic Club of NY. He is also a fellow of Chatham House, the leading European Foreign Policy think-tank. Koss is a frequent speaker on global economic outlooks and market conditions.Koss received his Ph. D. in Economics from the University of Pennsylvania and his B.S. Mathematics and Statistics from Case Western Reserve University.