Banco Popular de Puerto Rico

James Harrington currently serves as Managing Director for Resurgent Mortgage Servicing and is responsible for third party sub-servicing and new business development for the mortgage servicing business. Mr. Harrington has over 19 years of industry experience. Prior to joining Resurgent, Jim was a Managing Director at Fortress Investment Group, and spent over nine years at Lehman Brothers, where he was a Senior Vice President in the Structured Products Finance and Trading business. During his tenure at Fortress, Mr. Harrington served in leadership positions in several industry groups including the Association of Mortgage Investors and the ASF.Mr. Harrington received an M.B.A from Fordham University in 1998.

Scott K. Stucky is the chief operating officer for DocuTech Corp., a provider of mortgage loan documents, compliance services and technology solutions for the mortgage industry. Founded in 1991 and headquartered in Idaho Falls, Idaho, DocuTech provides document preparation services in all 50 states. As chief operating officer, Stucky oversees the day-to-day operations of DocuTech including product management, information technology, development, compliance, professional services and client relations. Stucky previously served as executive vice president for DocuTech where he was responsible for all sales and marketing initiatives, and also managed a national sales team that provided DocuTech�s document and compliance services to the mortgage industry. Prior to joining DocuTech, Stucky gained financial industry experience working for companies ranging from ALLTEL Information Services to Brookfield, Wis.-based Fiserv. He served in a multitude of management roles including sales, business development, operations, implementations and product management over the course of his career.�His industry experience ranges from consumer and mortgage loan origination to loan servicing, collections, recovery and loss mitigation.�He owns a business development/sales consulting firm and is a frequent public speaker on the local, regional and national level.

Beth O�Brien is head of the residential capital markets group for Auction.com and President of AuctionFinance.com. Her responsibilities include running an investor bridge loan program, heading the residential note sales platform and overseeing coverage of institutional investors in residential mortgages and property. Beth has spent over 18 years in the real estate business both as a principal and as an advisor. Prior to Auction.com, Beth spent five years in the RMBS trading and securitization group at Citi predominantly on the Scratch and Dent desk and almost ten years at Goldman Sachs & Co. in the Real Estate Principal Investment Area in New York and Hong Kong. Beth also practiced law at Latham & Watkins in New York.

Brian Boike is the director of continuous improvement at United Shore Financial Services, headquartered in Birmingham, Michigan and he is a member of Mortgage Technology’s Advisory Board.Boike’s previous experience includes serving as a product manager at FIS and prior to that, as manager of business strategy and support at Flagstar Bank. He also serves on the MBA Residential Technology Forum Executive Committee and was a former chair and vice chair. He earned a B.S. from Bowling Green State University and an M.B.A. with a concentration in management information systems from Wayne State University in Detroit.

Anne Balcer Norton serves as the Deputy Commissioner of Financial Regulation within Maryland’s Department of Labor, Licensing and Regulation. Her July 2010 appointment was consistent with the O'Malley-Brown Administration's leadership in enacting sweeping foreclosure prevention laws and common sense mortgage regulation. Within the broad jurisdiction of the Office of the Commissioner of Financial Regulation, Ms. Balcer Norton oversees financial institutions ranging from community banks and credit unions to mortgage lenders and brokers to check cashers and debt management firms. Before her career in public service, Balcer Norton distinguished herself as the Director of the Foreclosure Prevention Division of St. Ambrose Housing Aid Center, the oldest housing non-profit in Baltimore City.While at St. Ambrose she implemented an innovative approach to offering legal services and housing counseling/budget counseling for low to moderate income individuals in Maryland facing foreclosure. The program has been replicated nationally.Prior to joining St. Ambrose, she served as general counsel for a national mortgage lender, where she was responsible for origination and secondary market regulatory compliance, state licensing and risk management oversight across twenty-four states.Balcer Norton has presented extensively on matters involving consumer protection, fair housing and mortgage lending. She has been invited to testify before Congress, the TARP Oversight Committee and in state and local legislatures on foreclosure and fair housing in Maryland and the District of Columbia. Balcer Norton has also presented extensively nationwide as an advocate for the underserved. She serves as the Vice Chairman of the Multi-State Mortgage Committee (“MMC”), a collective body of state regulatory agencies from across the country that strives for examination uniformity in mission, supervision, processes and professional development for state regulators. She participates on the Task Force on Consumer Compliance of the Federal Financial Institutions Examination Council, or FFIEC, a formal interagency body made up of the Board of Governors of the Federal Reserve, the Federal Deposit Insurance Corporation and other federal financial regulators.Notably, she was honored with the American Association of Residential Mortgage Regulators (“AARMR”) Distinguished Service Award in August 2012 for the efforts of Maryland’s Office of the Commissioner of Financial Regulation in leading the state regulatory agencies in collaboration with Attorneys General from 49 states, the Department of Justice and HUD in the recent $25 billion foreclosure robo-signing settlement. The Maryland Consumer Rights Coalition just announced that she has been named the 2012 Consumer Advocate of the Year.She received her J.D., magna cum laude, with honors, from the University of Baltimore School of Law and her B.A. from Randolph Macon College.

Christos Bettios is the chief information officer of First American Mortgage Services, a division of the First American Financial Corp. and a member of Mortgage Technology’s Advisory Board.Previously, Bettios was a senior product manager at Fannie Mae, overseeing the GSE’s paperless mortgage initiatives. At First American, he brings more than 25 year of experience in product strategy, development and technology distribution to expanding the Mortgage Services portfolio of products and services that are designed to help loan originators, servicers and investors as they retool their operations to fit the changing mortgage lending environment. In his current role, he focuses on internal and customer technology solutions for loan origination and servicing.Bettios is also an active member of the MISMO community, supporting the development and adoption of industry standards.

Mark Goldhaber is principal at Goldhaber Policy Services LLC, Raleigh, N.C.

John Robbins is a co-founder of The Mortgage Collaborative and a former chairman of the Mortgage Bankers Association. He has more than 25 years of mortgage industry experience.

Matthew Previn is a partner in the New York office of BuckleySandler.