Banco Popular de Puerto Rico

Rob serves as First Vice President, Industry Relations for LPS Field Services and LPS Asset Management Solutions. Rob fosters relationships with city and state officials and investors to create open lines of communication with respect to loan level issues, and emerging legislation and industry trends as the FVP of Industry Relations. Such relations assist LPS Field Services and LPS Asset Management in their continuous effort to identify, and proactively resolve potential issues that may impact the companies, their clients and suppliers, and the default servicing industry as a whole. Prior to joining LPS in 2004, Rob worked as an Associate in the labor and employment department of a Cleveland law firm, and served as "Of Counsel" to a Cleveland law firm specializing in business, real estate and collections law.Rob earned his B.S. degree from Ohio State University and a law degree (J.D.) from Cleveland Marshall College of Law.

On January 5, 2011, Congressman Scott Garrett was sworn in to the United States House of Representatives, representing New Jersey’s 5th Congressional District. Since his election to Congress in 2002, Scott has burnished himself with a reputation as a leading advocate of tax relief and pro-growth economic policies, earning him awards and accolades from a number of national taxpayer and small business groups.As the Vice Chairman of the House Budget Committee, Scott is on the frontline of House Republican efforts to rein in runaway government spending and shrink our country’s ballooning national debt. In addition to his senior position on the Budget Committee, Scott is also the Chairman of the Budget and Spending Task Force for the Republican Study Committee (RSC), which advances conservative solutions to address our country’s fiscal challenges. A member of the House Financial Services Committee since his election to Congress, Scott has been at the forefront of public policy deliberations dealing with issues related to the financial services industry, developing considerable expertise in areas ranging from securities and finance to insurance and regulatory oversight. At the beginning of the 112th Congress, Scott was selected to serve as the Chairman of the Financial Services Subcommittee on Capital Market and Government-Sponsored Enterprises. In this role, Scott presides over the subcommittee with jurisdiction over the Securities and Exchange Commission (SEC) and government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac. In addition, the subcommittee also handles all matters related to capital markets activities such as business capital formation and venture capital, as well as derivative instruments.As founder and Chairman of the Congressional Constitution Caucus, Scott is highly respected among his House colleagues as an authority on constitutional issues. Founded in 2005, the Constitution Caucus provides an effective forum for education on constitutional principles and discussion on the appropriate limitations of congressional action. Born Englewood, Scott has spent much of his life living in North Jersey, which has instilled in him a great appreciation for the outdoors. He is a leading proponent of preserving open space and protecting such natural treasures as the Highlands, the Musconetcong River and the Wallkill River National Wildlife Refuge.Prior to his election to Congress, Scott served in the New Jersey General Assembly from 1990 to 2002, as the senior Assemblyman for the 24th Legislative District, Assistant Majority Leader, and Chairman of the Banking and Insurance Committee. During his tenure, he also served on the Education, Transportation, Agriculture & Natural Resources Committees, as well as the Joint Committee on Public Schools.Scott earned his Bachelor of Arts degree from Montclair State University and his Juris Doctor from Rutgers School of Law – Camden.

Mr. Botto (Greg) is SVP of U.S. Mortgage Operations for Quatrro with over 24 years’ experience in financial services & technology management. Greg has successfully helped banks and financial institutions improve their overall Mortgage Process Management, improve their data flow between business units, and plan for the future by assisting with Business Continuity Planning and Operation Resource Management. Greg started his Mortgage Banking experience with Wells Fargo Bank and then moved over to Franklin Templeton Funds managing their data operations worldwide and assisting in the highly publicized merger of Templeton with Franklin Funds. He has also held positions with Charles Schwab along with his own financial management firm working with mortgage lenders for the past decade helping them develop streamlined processes to manage the enormous volume demands at that time. Greg has a BA from UC Berkeley and an MBA in International Business from St. Mary’s College.

David Robinson is regional vice president and director of Alternative Sales Channels for Gateway Mortgage Group LLC. For more information visit www.gatewayloan.com.

Angela Kolb is a Certified Mortgage Banker (CMB) and director of compliance for CoreLogic Dorado. In this capacity, she works with leading mortgage and consumer finance lenders to interpret regulatory changes and to facilitate the implementation of new and existing rules across the company�s mortgage origination systems and production work flows.A recognized authority in compliance analysis and implementation, Angela has held a number of leadership roles during her more than 25 years in the mortgage industry, ranging from loan production and information technology (IT) management to overseeing the implementation of multiple loan origination systems (LOS). She joined CoreLogic Dorado in 2008 as a product manager for the company�s ChannelMaster product and was named director of compliance in 2010. In addition to her day-to-day responsibilities as director, she oversees a CoreLogic Dorado-sponsored bi-annual regulatory workshop for lenders.Prior to assuming her current position at CoreLogic Dorado, Angela was vice president of information systems for Guaranty Bank, where she was responsible for product and market analysis, system implementation and quality assurance. She writes frequently on the subject of mortgage industry regulation and has been published in a variety of industry publications. Her most recent article, �RESPA Readiness: Hitting a Moving Target,� appeared in Mortgage Banking Magazine. Angela holds a bachelor�s degree in business administration and an MBA in finance from Texas State University.

Mary Kladde is president and CEO of Denver, Colo.-based Titan Lenders Corp., which she formed in 2007 after more than 20 years in the mortgage industry.Her past experience includes operating and managing a successful fulfillment division for a leading document preparation provider in the industry. Prior to that, she managed the retail and wholesale closing and post closing department for a regional office of one of the larger residential mortgage banking investors in the country.

Oliver Chang is the former Head of US Housing Strategy at Morgan Stanley and was part of the Global Securitized Products research team. He covered all aspects of the housing market including home price dynamics, supply and foreclosure issues, demand and mortgage credit concerns, and the relationship between home prices and mortgage performance. He is a thought leader on the topic of institutional investments in distressed single family housing, serving both investors and government agencies, and has been cited in the media for his housing research at outlets including CNBC, NPR, Bloomberg, the Wall Street Journal and the Washington Post.Prior to this role, Oliver was a mortgage credit analyst and traded home price derivatives on the securitized products trading desk. Oliver received a BS from Cornell University and an MBA from Columbia Business School.

Jess Tirado is a Vice President and REO Operations Manager for Premiere Asset Services, a division of Wells Fargo Home Mortgage. His office, located in San Bernardino, CA, is one of four REO sites across the country. Premiere utilizes a nationwide network of 5,000 real estate agents and brokers to manage REO properties for Wells Fargo and other financial institutions. Jess has worked in the mortgage industry for 30 years. He joined Wells Fargo four years ago.