Banco Popular de Puerto Rico

Christina Speh works directly with financial institutions to help them minimize regulatory and operational risks through the use of improved enterprise risk management processes, policies and procedures as well as the use of technology. Christina has been with Wolters Kluwer Financial Services for more than 10 years, working with community, regional and national financial institutions to help them implement compliance risk management programs. Prior to Wolters Kluwer Financial Services, Speh was a review examiner for the Board of Governors of the Federal Reserve, where she focused on Community Reinvestment Act (CRA) compliance by working with the Federal Financial Institutions Examination Council compliance committee and co-writing much of its guidance on the regulation. She was also a consultant at The Secura Group focusing on HMDA and CRA data analysis, compliance testing and fair lending comparative file reviews. Speh earned her B.B.A from Stetson University in Deland, Florida.

John Straka, Ph.D. counsels banks, mortgage servicers, government agencies, etc. on risk mitigation and growth strategies, models, systems, and standards. Prior to joining Experian, Straka held various leadership and analytic positions at Freddie Mac, most recently Vice President of customer facing models and analytics, leading teams responsible for all statistical scoring models, loss mitigation models and analytics, etc. He has worked over 25 years in analytics and risk management, earlier at the Social Security Administration and the Congressional Budget Office. Straka earned a B.A. in economics from Williams College and his Doctorate degree in economics from Cornell University.

Heather Hendrix is marketing and sales manager at Orion Financial Group. Hendrix was most recently with Nationstar Mortgage, where she served as regional vice president, sales, managing training and supervisory aspects of staff while overseeing budgeting and developing sales and marketing strategies.

Suresh Annappindi is the founder and CEO of Scorelogix LLC, a risk modeling and predictive analytics company founded in 2003 and headquartered in Delaware.

Rob Zimmer is with the Community Mortgage Lenders of America.

Barry Epstein is managing director, Warehouse Banking Consultant, Los Angeles.

Bob Gundel is a Senior Hedge Manager with Compass Analytics LLC and has been with the firm since 2005. He brings over 11 years of experience in financial services with a heavy focus on derivatives trading and mortgage analytics. Although his primary role as Hedge Manager entails working directly with clients to assist in hedging their mortgage pipelines, he is also a member of the Sales and Business Development teams at Compass. Mr. Gundel holds a Master of Science degree in Financial Analysis and Investment Management from Saint Mary’s College and resides in San Francisco, CA.

An accomplished leader, speaker and seasoned legal & mortgage banking professional, Mr. Le Roy is founder of PHOENIX Consulting, LLC, one of the Founding Members and a Principal of ProSys, LLC, and the founder of The PHOENIX Group Network, LLC. In these capacities, he draws upon more than 24 years of experience in the Legal & Mortgage Loan Servicing Industries. Mr. Le Roy has been published by The American Bar Association, University of South Carolina School of Law, Law Review, and featured by Servicing Management, Mortgage Servicing News, National Mortgage News, MBA News link, Mortgage Bankers Magazine, and DS News. Mr. Le Roy is the recipient of numerous industry awards, including CMIS�s Lifetime Achievement & Visionary Award. Mr. Le Roy was the founding CEO of the American Legal & Financial Network. In this role, he developed all corporate strategies, and lead initiatives to expand the ALFN�s role in legal and mortgage industry advocacy, public policy, education & professional development. Mr. Le Roy is professionally associated with numerous industry organizations, and currently holds a founding member seat on the Coalition for Mortgage Industry Solutions Board of Directors, and a seat on Window Rock Capital�s Advisory Board.

Rick Danos is the Director of Product Management for CSG International’s Interactive Messaging group, which delivers an integrated portfolio of contact center, IVR and multi-channel messaging technologies designed to help companies accelerate business—anywhere. Danos has over 15 years of experience working with large scale telecommunications providers and dot com companies across ordering, billing, revenue assurance, and provisioning spaces – including extensive time spent leading North and South American professional services divisions responsible for deploying product-based billing support system software, fraud systems, and OSS integration software products. Danos holds a Bachelor of Science, Mechanical Engineering from the University of Colorado, and MBA from the University of Michigan.

Richard Volel is the Vice President, Contact Management at American Home Mortgage where he manages approximately 2,000 employees in Five call centers around the world. He has worked with predictive dialers and call center operations for more than 20 years and also helped pioneer one of the first blended call centers. Richard has worked for Chase Manhattan Bank, ITT Finance, Fleet Financial, Associates Home Equity and Fannie Mae.