Banco Popular de Puerto Rico

Steve O'Connor is Senior Vice President of Public Policy and Industry Relations at the Mortgage Bankers Association (MBA). He manages MBA's residential policy process for legislative, regulatory, and industry issues.O’Connor leads MBA’s regulatory advocacy efforts. He is also responsible for outreach to industry groups, consumer organizations, and other key stakeholders in support of MBA’s policy objectives.O'Connor has appeared on numerous national news broadcasts, including ABC, CBS, NBC, Fox, PBS, CNN, CNBC, Bloomberg, and NPR radio. He isfrequently quoted in major print publications including the New York Times,Wall Street Journal, and Washington Post. He is a frequent guest speaker onindustry issues. O'Connor joined MBA in 1996. Previously he worked in government affairs for the National Association of Realtors and Freddie Mac. He also worked for Skyline Financial Services Corp. O'Connor holds a Bachelor's degree in political science from Marquette University and a Master's degree in political science from American University.

Jerry Azure is the Senior Vice President of Mortgage Servicing Operations for BSI Financial Services, Inc. Jerry Azure is the head of all Mortgage Servicing Operations for BSI Financial Services, Inc. Jerry departments include: Investor Reporting, Cashiering, Escrow, Collection Operations, Loss Mitigation workout Units, Bankruptcy, Foreclosure, REO, MI Claims, Property Preservation, Customer Service, Customer Care, Collateral Management, and HAMP Operations. Jerry is a 20 year mortgage industry veteran who has held many senior level positions in both the loan servicing and mortgage lending arenas. Jerry started his mortgage career at the Associates/Ford Consumer Finance then continued his mortgage career at Centex Home Equity/Nationstar, Countrywide, Saxon and GreenTree Financial Services before joining BSI in Nov 2010. BSI with offices in Texas, Pennsylvania and India is a Residential Fannie/Freddie/NPL Portfolio sub- servicer headquartered in Dallas, TX. BSI services 1st and 2nd liens for many of the nation�s top lending institutions, major hedge funds and private investors both large and small.

Vladimir Bien-Aime is CEO and co-founder of Global DMS, a provider of Web-based appraisal process management software and mortgage process technologies. He is also a member of Mortgage Technology magazine’s Advisory Board. Bien-Aime has been in the field of mortgage technology for 15 years and is a recognized expert in appraisals, appraisal processes and appraisal compliance, and has intricate knowledge of past and present appraisal-related legislation at the federal, state and local levels. Bien-Aime is directly involved with new technologies in development and spearheaded the company’s product expansion to include a paperless support solution, automated review and data delivery system, multi-software access platform and web-based form creation software.

Donald C. Lampe is a partner in the Financial Services Group in the Washington, D.C. office of Morrison & Foerster. Mr. Lampe represents banks, finance companies, insurance companies and other financial service providers on a variety of financial services and bank regulatory matters. He also counsels creditors, loan servicers, collection agencies and secondary market participants on consumer financial services laws and regulations, including the Dodd-Frank Act. He represents a range of financial services clients in significant government investigations and enforcement proceedings, which involve issues of lending, servicing, licensing, governance and compliance.Mr. Lampe has been recognized as a Leading Lawyer in the areas of Financial Services Regulation: Consumer Finance (Compliance) and Banking & Finance by Chambers USA 2013. He was named a North Carolina Super Lawyer for Banking Law by Law & Politics from 2006-2013, and was recognized by Best Lawyers in America from 2003-2013. He was also named Charlotte "Lawyer of the Year" for Financial Services Regulation Law by Best Lawyers 2012 and 2013.Mr. Lampe is currently a fellow of the American College of Consumer Financial Services Lawyers. He also serves on the Governing Committee of The Conference on Consumer Finance Law and the Board of Advisors of the UNC School of Law Center for Banking and Finance. Mr. Lampe has previously served as the chair of the American Bar Association's Consumer Financial Services Committee.Mr. Lampe received his S.B. degree from Massachusetts Institute of Technology, where he graduated Phi Beta Kappa, and his J.D. degree in from Duke University School of Law, where he was the Administrative Law Editor of the Duke Law Journal and a member of the Dean's Advisory Council.

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.