Banco Popular de Puerto Rico

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.

Jeff Martel is vice president and head of compliance at OnDeck, and previously spent 29 years in the legal and compliance departments at American Express.

Michael Rhodes is executive vice president and head of consumer bank at TD Bank.

Carter Gaddis is a content strategist and social media manager, with expertise in health informatics, for Bisk, an e-learning provider for USF Health Morsani College of Medicine at the University of South Florida.

Alison Barksdale, AVP of marketing, CU Members Mortgage