Banco Popular de Puerto Rico

Steve Linick is the inspector general of the Federal Housing Finance Agency.

Joe is responsible for the strategic direction of the servicing software products from Fiserv. This includes the loan servicing system, LoanServ. Prior to this role, he assisted Fiserv clients by providing managerial consulting for loan servicing opportunities. With over 25 years of experience, Joe has a comprehensive background in the industry both in servicing and in technology. He is a member of several national lending advocacy groups, and has written and spoken extensively on servicing topics. Joe has been with Fiserv since 1991. Mr. Dombrowski graduated St. Joseph Seminary College, Los Altos CA, with a degree in Philosophy. He can be reached at joe.dombrowski@fiserv.com and welcomes your tweets as well @joedombrowski.

Loren is the General Counsel and Chief Compliance Officer of Fay Servicing. In his position, Loren�is responsible for leading corporate strategic and tactical legal and�compliance initiatives. Loren has more than 25 years of experience in the�financial services, mortgage banking, servicing, and secondary market�industries. Prior to joining Fay Servicing, Loren served as the General Counsel�and Chief Compliance Officer at an Irvine, CA based provider of customized�services for mortgage lenders, banks and other financial institutions. Prior to�that, Loren was a SVP and servicing outreach executive at Bank of America,�where he led an initiative that improved the organization�s MHA Servicer�Assessment rating. Prior to that, while serving as the Treasury liaison for the�Morgan Stanley subsidiary Saxon Mortgage, Loren worked on the Treasury�s MHA�Program since its inception. Loren also served as VP at Goldman Sachs. Prior to�that, Loren served in numerous executive positions at HSBC during his 18 year�career, including General Counsel of Commercial Financial Services, Managing�Director and SVP of Mortgage Services. Loren earned a Bachelor of Science�degree in business administration from the University of Illinois at�Urbana-Champaign and a Juris Doctor from the John Marshall Law School.�

Mr. Chimienti oversees the day-to-day compliance matters for Bayview Loan Servicing, LLC. He is responsible for regulatory compliance for Bayview, including monitoring company policies for compliance with federal, state and local servicing and privacy regulations and responses to regulatory audits. Mr. Chimienti is also the Chairman of Bayview�s Compliance Committee which assists management with respect to monitoring and coordinating Bayview�s regulatory and business compliance obligations and overseeing Bayview�s implementation and enforcement of its risk management policies and procedures. Prior to his current position, Mr. Chimienti was Assistant General Counsel in the corporate legal department of Bayview�s parent company, Bayview Asset Management, LLC. Mr. Chimienti received a Bachelor of Arts degree from Columbia College and a Juris Doctor from the Columbia University of School of Law and is a member of the California and Florida Bars.

Roger Beane is CEO of LRES, a national provider of commercial and residential valuations and asset management for the mortgage, banking, credit union and real estate industries. For more information, visit http://www.lres.com.

Douglas G. Duncan is Fannie Mae’s senior vice president and chief economist. He is responsible for providing all forecasts and analyses on the economy, housing, and mortgage markets for Fannie Mae. Duncan also is responsible for strategic research regarding external factors and their potential impact on the company and thehousing industry. Named one of Bloomberg / BusinessWeek’s 50 MostPowerful People in Real Estate and one of Inman News’100 Most Influential Real Estate Leaders for 2011, Duncan is Fannie Mae’s source for information and analyses on the external business and economic environment, the implications of changes in economic environment to the company's strategy and execution,and forecasting for housing activity, demographics, overall economic activity, andmortgage market activity. Prior to joining Fannie Mae, Duncan was Senior Vice President and Chief Economist atthe Mortgage Bankers Association. His experience also includes service as a LEGIS Fellow and staff member with the Committee on Banking, Finance, and Urban Affairs for Congressman Bill McCollum in the U.S. House of Representatives, and work on the Financial Institutions Project at the U.S. Department of Agriculture. Duncan received his Ph. D. in Agricultural Economics from Texas A&M University andhis B.S. and M.S. in Agricultural Economics from North Dakota State University.

Terrence J. Glomski, Managing Director, joined Neuberger Berman in 1992. Terry is a portfolio manager responsible for both structured products and residential whole loan strategies that focus on mortgage credit. Terry has overseen the launch and development of the residential whole loan investment effort at Neuberger Berman, which applies the firm’s mortgage analytic strengths to ‘borrower-centric’ resolutions for investors. He is also the architect of the structured products analytical platform which is used for the management of all structured products across Neuberger Berman’s fixed income products.Previously, he was a fixed income portfolio manager with Franklin Savings Association specializing in mortgage derivatives. Prior to that, Terry was a co-founder and vice president of Banking Decision Systems, a consultant for financial institutions on quantitative fixed income portfolio techniques.He received his BS in Economics and Finance and his Master’s in Quantitative Economics from the University of Illinois at Chicago.

Michelle Harbinak Shapiro brings more than a decade of experience in the banking industry to her role as Financial Services Industry Expert at Hyland Software. Her mission is to share best practices and evangelize the power of enterprise content management (ECM) as a tool for financial institutions to help automate paper-based processes and proactively manage regulations.