Banco Popular de Puerto Rico

Kim Weaver works in Lending Solutions at Fiserv, where she is the product manager for the Secure Lending platform, which provides paper-free lending capabilities. She is also a member of Mortgage Technology magazine’s Advisory Board.Weaver has been in mortgage banking and related industries for more than 20 years, performing and managing origination, processing, underwriting, secondary marketing, closing, loan delivery, insuring and servicing.

Felipe Ossa is senior editor of Structured Finance News and a contributor to National Mortgage News.

Thomas Noto’s practice focuses on regulatory and enforcement matters related to financial services. Mr. Noto has broad knowledge of the many issues affecting mortgage lenders and mortgage services in the current fast-changing environment, including the mortgage regulations that have flowed from the Dodd-Frank Act. He also represents clients facing fair lending issues. Prior to joining Morrison & Foerster, Mr. Noto was an Associate General Counsel at Bank of America responsible for legal support to Bank of America Home Loans. He had broad responsibilities relating to mortgage and home equity lending, as well as fair lending and neighborhood lending. Early in his career, he served for five years as a staff attorney at the Federal Reserve Board's Division of Consumer and Community Affairs where he was responsible for regulations under the Truth in Lending, Equal Credit Opportunity, Home Mortgage Disclosure, Electronic Fund Transfers and Expedited Funds Availability Acts. Following his tenure as a partner in a private law firm, in 2002 he served as General Counsel for several mortgage lenders, including Ameriquest Mortgage. He is a frequent speaker on regulatory compliance and enforcement issues. Mr. Noto received his J.D. from Catholic University and his B.A. in Philosophy from Clark University. He is admitted to practice in Maryland and Washington, D.C.

Chad Burance is head of NewOak Solutions.

Melissa Wachtel is an associate with Weiner Brodsky Sidman Kider PC who focuses primarily on state licensing and regulatory matters related to the financial services industry.  Melissa represents and advises non-depository and depository institutions on issues such as: State and federal licensing and approval requirements (both in the mortgage field and in other related financial services fields, including collection agencies and title agencies); and State and federal laws regulating fees, disclosures, and practices. Melissa also prepares multi-state regulatory surveys and analyses of matters pertaining to residential mortgage lending, brokering, and servicing; assists companies with implementing new state laws and regulations; and assists companies with examination preparation and responses to regulatory audits and investigations by state and federal regulators.  Melissa has contributed to the industry publication Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West 2011-2012 ed.), and she also serves on the Conference of State Bank Supervisors (CSBS) Industry Development Working Group (IDWG), which is a selective advisory body of industry representatives with experience in the Nationwide Mortgage Licensing System (NMLS) who provide frequent input regarding ongoing developments to the NMLS.Recent Matters Advised a mortgage company on its privacy policies regarding consumer financial information to ensure compliance with the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act. Advised and assisted clients in obtaining mortgage lender, broker and servicer licenses and approvals, as well as obtaining change of control approvals in connection with the purchase and sale of mortgage entities and title agencies. Advised mortgage companies and loan originators regarding required state disclosures and their resulting impact on the licensee’s state licensure. Advised and assisted mortgage companies in responding to single-state or multistate examinations and in creating policies and procedures to address the audit findings.

Ron Lopez is manager of Consumer Direct for Gateway Mortgage Group LLC. For more information visit www.gatewayloan.com.

Cheryl DeRoche Johnson is the Director of Loan Origination Solutions in the Strategic Consulting Services division of Lender Processing Services, Inc. (LPS). She holds the designation of �Master� Certified Mortgage Banker (CMB) and has a strong background in lending including an in-depth knowledge of supporting third party services, products and mortgage industry technologies. Ms. Johnson is an analytical thinker with a passion for undertaking challenges and problem solving through issues. Prior to her employment with LPS, Cheryl was Vice President � Product Strategy Manager for a Fortune 500 Company with the responsibility of product strategy, design, development and implementation for their Lender Services and Residential channels. Prominent themes among the many initiatives she directed were revenue generation, cost reductions and electronic delivery. Ms. Johnson was First Vice President at ABN AMBO Mortgage Group (ABN) where during her tenure she held multiple management positions including responsibility for the creation and administration of their first centralized vendor management department and expansion of supporting third party partnerships. Prior positions at ABN included business management and development of strategic technologies including ABN�s Mortgage.com, (a consumer self-service loan origination and servicing portal) and ABN�s One Fee, (a strategic pricing technology platform). Multi-millions of dollars of new revenue, expense savings and risk reduction were attributed to these technology developments. Ms. Johnson pioneered internet marketing and online loan production for LaSalle Home Mortgage, an affiliate of ABN AMRO. During her tenure at LaSalle, she also held management positions in retail loan production, sales, marketing and training. Ms. Johnson was the Vice President of residential loan production for Irving Federal Savings Bank in Chicago. Cheryl started her career as a teacher of mathematics.

Barry Malone is vice president, sales for Dallas-based Financial Industry Computer Systems Inc. For more information, visit www.FICS.com

Jon Anderson has been with Investortools since 2002, collaborating with a variety of fixed-income professionals to build lasting solutions to specific workflow challenges within portfolio management, trading, and credit analysis.�Working within the industry-leading suite of Investortools software (including Perform, CreditScope, and Custom Index Manager), he manages a development group that helps clients define and execute their investment strategies and integrates with other platforms. More recently, Jon has been focused on general product and company direction as a member of Investortools' Executive Committee. Investortools’ clients include many of the nation’s largest institutional bondholders, including mutual funds, investment managers, banks, insurance companies, and other financial entities.Mr. Anderson holds a B.A. in Economics from Wheaton College. He is a CFA charterholder and a member of CFA Society Chicago.