Banco Popular de Puerto Rico

Jacqueline �Jackie� Hoyt is the CEO of Hillsboro Title Co., a full service residential, commercial, and construction disbursement title insurance agent serving areas across Missouri. For more, please visit www.hillsborotitle.com or call 636-222-8623.

Charlyne H. McWilliams is an account supervisor at the William Mills Agency. She has nearly 20 years of expertise covering the mortgage industry. Before joining the agency, she was the editor of Inside Mortgage Technology.

Scott Samlin is a New York partner in the firm’s Financial Services & Products Group.� He is the former executive director and compliance counsel for the residential mortgage and lending businesses at Morgan Stanley, where he helped oversee the operations of Morgan’s whole loan trading desk and its affiliated mortgage loan servicer, Saxon.� Prior to this, he was the executive vice president, general counsel and chief compliance officer for EMC Mortgage, Bear Stearns’ primary mortgage loan conduit and servicer.Earlier in his career, Mr. Samlin held several senior in-house positions at large corporations, including vice president and assistant general counsel at Superior Bank FSB; vice president, senior staff attorney and compliance officer at Carteret Federal Savings Bank; and assistant counsel at the New York State Banking Department.Mr. Samlin earned his J.D. from New York Law School and a B.A. from Rutgers University.

Kelli Himebaugh has been in the homebuilding and mortgage industries for over 20 years, working in a broad range of lending management roles and loan origination. An expert in mortgage operations, client service and training, Kelli works closely with lenders interested in loan servicing to understand their software needs and available options, from the RFP stage all the way through the implementation process. She is a popular speaker at industry events and a frequent author in industry publications. Mortgage Builder Software of Southfield, Michigan is the award-winning provider of the Architect LOS and the Colonnade loan servicing system, a favorite with servicers of all sizes for over 20 years and formerly known as G/Serv.

Michael Greenbaum is vice president of operations at Safeguard Properties. Under Mike's leadership, all operational departments of Safeguard have reviewed, updated and enhanced their business processes to maximize efficiency and improve quality control.Mike built his business career in supply chain management, operations, finance and marketing. He has held senior management and executive positions with Erico, Accel, Inc. and McMaster-Carr.Before entering the business world, Mike served in the U.S. Army, Ordinance Branch, and specialized in supply chain management. He is a distinguished graduate of West Point (U.S. Military Academy) and majored in quantitative economics.

Edward Kramer is the Executive Vice President, Regulatory Affairs for Wolters Kluwer Financial Services. He is a veteran of the financial services industry with four decades of experience, which includes a role as the former deputy superintendent of banks, New York State Banking Department�s (NYSBD�s) Consumer Services Division. Ed has been featured at many banking industry conferences, including those hosted by the American Bankers Association, Independent Community Bankers of America, Mortgage Bankers Association, National Association of Federal Credit Unions, National Real Estate Development Center, New Jersey Bankers Association and New York Bankers Association. He has testified before various legislative and regulatory panels, and is a contributing author and expert commentator to many of the top bank industry trade publications.

David Robbins has served as Ellie Mae's chief information officer and senior vice president since January 2012. He is responsible for designing, managing and assuring the scalability and reliability of Ellie Mae’s data centeroperations to support the company’s expanding software as a service (SaaS) business model. He also manages the company’s MIS, data security and technical operations.Prior to joining Ellie Mae, Mr. Robbins spent over six years at NetApp, Inc., a company with $5 billion in 2011 revenue. Most recently, from 2008 to 2011, he served as NetApp’s CTO, where he developed a program to showcase best practicedeployments and business impacts of storage and data management capabilities, and a technology roadmap and adoption strategy for IT systems, networks and storage. Earlier, as NetApp’s vice president of global infrastructure from 2005 to2008, he managed complex systems consisting of highly integrated Tier 1 applications and custom Tier 2 and Tier 3 applications, networks, telephony, data centers and infrastructure. During his 30-year career, Mr. Robbins has heldvarious management positions at Capgemini, Totality Corporation and ElectronicData Systems.A 30-year veteran of the information technology industry, Mr. Robbins also served as the director of engineering services at Totality Inc. and in various leadership roles during a 15-year tenure at Electronic Data Systems.

Stephen M. Calk is the founder, chairman and chief executive officer of The Federal Savings Bank, a federally chartered savings bank; and Chicago Bancorp, a national mortgage banker.He has served on the board of directors, advisory board of directors or customer advisory board of directors for various public and private mortgage companies including JP Morgan Chase’s Chase Manhattan Mortgage Corp., Ohio Savings Bank, Citimortgage, Bank of America and the former General Electric Mortgage Insurance Co. Calk also has served as an advisor to several Illinois state government entities on matters of mortgage banking and real estate finance. He is a member of the board of directors of The Community Lenders of America, and is an advocate of veteran housing needs.

Ed Keck, a Director with Treliant Risk Advisors, is an accomplished professional specializing in enterprise and operational risk, security, privacy, and information governance. He has significant experience developing and performing risk assessments, managing regulatory reviews and post review remediation activities, internal control testing, executive level reporting, and the interpretation of regulatory changes. In addition to his work with financial institutions regarding domestic regulations and governance, Ed�s expertise includes the implementation of risk assessments, controls, and systems related the European Union Data Protection Directive. Over the past 20 years Ed has held leadership positions in both consulting and financial services organizations. Prior to joining Treliant, Ed worked at KeyBank headquartered in Cleveland, Ohio as the Director of Security Strategy and Governance. In his role at Key, Ed was responsible for the overall strategy and governance functions related to information security, privacy, physical security, business resiliency, third party risk management, fraud risk management, incident management, and information governance, as well as board of director and executive management reporting. Ed holds an M.B.A. in Business Strategy and Finance from Cleveland State University. He is a Certified Information Systems Security Professional (CISSP), and an adjunct professor at Cleveland State University.