Banco Popular de Puerto Rico

Stephen Hanson is Senior Mortgage Regulatory Counsel for EverBank, a Federal Savings Association located in Jacksonville, Florida which has $18 Billion in assets. For the past four years, Mr. Hanson has supported all aspects of EverBank's residential mortgage origination and servicing operations. His current focus is on exam management and regulatory risk issues for the Servicing Division, including issues affecting vendor management. Prior to joining EverBank, he served as Senior Counsel to Wells Fargo for 10 years, supporting its residential mortgage division.

Sanjeev Dahiwadkar is the CEO of mortgage technology provider IndiSoft.

John Vella is COO of Equator. He joined Equator in April 2010 and is responsible for implementing the company’s growth strategy. Currently, Vella is leading the efforts to further expand the scope of the company’s EQ Workstation, a fully automated online system that provides financial institutions with tools for managing default servicing, and the EQ Marketplace, which acts as an ecommerce forum connecting financial institutions with loan servicers, servicing vendors and real estate agents.Vella has more than 27 years of experience in the mortgage industry. Prior to joining Equator, he was the executive vice president responsible for special servicing for GMAC/Rescap. Previously, he held roles as president and chief executive officer of EMC Mortgage (a subsidiary of JPMorgan Chase); CEO of Household Automotive; Chief Administrative Officer of Option One Mortgage and director at Freddie Mac and FDIC.Vella represents Equator as a panel participant or guest speaker at multiple industry tradeshows throughout the year. He is a graduate of Springfield College in Massachusetts as well as of the American Bankers Association and FDIC Credit School.

Lynn Effinger is a veteran of more than three decades in the housing and mortgage servicing industries and the author of a memoire, "Believe to Achieve � The Power of Perseverance."

Craig Martin is a Director in the Mortgage Practice at J.D. Power and Associates. He is responsible for the company’s research studies in the mortgage sector, as well as proprietary tracking, consulting and performance improvement initiatives within the company’s Financial Services Practice.Before joining J.D. Power and Associates in 2012, Mr. Martin was vice president, Consumer Deposit Products at BBVA Compass. There, he was responsible for ongoing competitive evaluations of product sets, new product development and development of tools to aid in product sales, including product packages. Prior to BBVA Compass, he was a vice president at Regions Financial Corporation, where he served in various roles in both consumer and commercial lines of business, with a focus on customer experience, research, analytics and strategy. Previously, he was with Infosurv Inc. and Aspect Communications.Mr. Martin received a bachelor’s degree in economics from Vanderbilt University and an MBA from Terry College of Business at the University of Georgia.

Tim Rood is partner and managing director of The Collingwood Group in Washington.

Ms. Leigh is currently the SVP of Internal Controls, Regulatory and Exam Management at Union Bank. Ms. Leigh has over 20 years of expertise in the Mortgage and Consumer Banking Industry, with particular emphasis in Risk Management and the related fields such as: Regulatory Compliance, Operational Risk Management, Loan Servicing, Default Management, Fraud Investigation, Quality Control and Government Risk. Ms. Leigh is equally versed in FHA & VA Lending, Loan Underwriting, and Staff Management. Ms. Leigh�s experience includes having worked with numerous leading companies within the Mortgage Industry, National Banks, Wall Street Firms, and Regulatory Business Entities. In addition to having her FHA Direct Endorsement and V.A. LAAP designations, Ms. Leigh has held one of the highest past track records of success recorded in the mortgage industry for recovery on the complex issue of HUD/FHA Loss Mitigation, in accordance with the HUD statistics. Ms. Leigh earned her Bachelor of Science Degree in Business Administration and Entrepreneurial Studies from the California State University of Northridge. Michelle is also a graduate of the Mortgage Bankers Association, School of Mortgage Banking, Certified Fraud Examiner �CFE�, and Certified Regulatory Compliance Manager from the American Bankers Association. Michelle also holds various licensing and certifications for other areas of the mortgage banking industry in Internal Audit, Escrow, Real Estate Sales. Ms. Leigh has been a frequent public speaker/trainer at mortgage lending conferences such as Mortgage Bankers Association, Home Improvement Lenders Association, National Reverse Mortgage Lenders Association, National Mortgage News, American Conference Institute, Fannie Mae, Freddie Mac, U.S. Department of HUD/HOC�s and in-house for many mortgage lending shops across the country. The workshops relate to all areas of Operational Risk, Regulatory Compliance, Government Lending and Servicing, Fraud Handling, and Quality Control.Ms. Leigh has co-authored the only HUD-endorsed FHA Claims Manual for FHA Loss Mitigation sold and has been responsible for updating many of the industries teaching manuals with current information on a national level. In addition, Ms. Leigh has written several published articles for various lenders, their correspondents and business partners.

Dr. M.A. Ketabchi founded Savvion in 1994, which, under his leadership, launched the first business process management (BPM) product in 1999. Progress Software acquired Savvion, Inc., in January 2010.Ketabchi is well known for his pioneering research in business process management technologies and methods; process-centric, domain-oriented business solutions; object-oriented database management systems; and application development technologies. Over the last 20 years he has published and presented extensively in these areas and has made significant contributions to advancing the state of the art and technologies in BPM and process-centric, domain-oriented business solutions.Ketabchi received his Ph.D. in Computer and Information Sciences from the University of Minnesota, Minneapolis.