Banco Popular de Puerto Rico

Jeff Lebowitz is known throughout the mortgage industry for his analytical series, MORTECH, the Survey of Business and Technology. Since 1988, MORTECH has looked at the many sides of how lenders relate technology to their businesses. Through scientific survey sampling, MORTECH quantifies lenders’ demand for and adoption of information technologies. His MORTECH research is based on his many years in market planning and business strategy development in the financial services industry.Jeff has been a senior planning and development officer for the premier financial organizations in the world – Citicorp, Chase Manhattan Bank and Fannie Mae. While at Fannie Mae he acquired and ran Fannie Mae Software Systems (now a part of ISGN). He also did an obligatory stint with an e-commerce start-up. Jeff served as chief technology and development officer for the electronic mortgage exchange, Pedestal.com. Jeff’s unique array of planning and development experience recommends him as a well-qualified observer and commentator on mortgage lenders and the technology they use.

Harry Gardner is the President of SigniaDocs, a national eMortgage solutions provider that supports legally compliant electronic mortgage documents for all 50 states at the investor, federal, state and local levels. He is a frequent speaker and writer on eMortgages, mortgage technology, industry standards and enterprise data management issues. He is a member of the Source Media Mortgage Technology Advisory Board, and is Chair of the MISMO Residential Standards Governance Committee. In October 2012, Gardner received the Steve Fraser Visionary Award at the Mortgage Technology Magazine annual awards ceremony. This award is �a lifetime achievement award that recognizes the accomplishments of an outstanding mortgage technology innovator, visionary or evangelizer.� Mr. Gardner was previously the Vice President of Industry Technology for the Mortgage Bankers Association, and was the President of MISMO, Inc. Mr. Gardner also managed the efforts of MBA�s various technology committees and task forces, and oversaw technology content for MBA conferences and educational classes. Named one of Mortgage Banking magazine�s 2009 eMortgage All-Stars, Gardner has worked with many related industry groups including the Property Records Industry Association (PRIA), Electronic Signatures and Records Association (ESRA), Appraisal Institute, American Land Title Association (ALTA), National Notary Association (NNA), US Notary Association (USNA), American Escrow Association (AEA), US Foreclosure Network (USFN), and Standards and Procedures for electronic Records and Signatures (SPeRS). Mr. Gardner has developed hardware and software technology solutions for more than 30 years, including electronic systems for the aerospace, broadcast and audio industries. Mr. Gardner has management and technical experience in electronics design, software development, ecommerce, government contract management and systems integration, and network systems support. Prior to MBA, Mr. Gardner was Director of Custom Integration with Ultraprise, a mortgage technology startup. In addition, he has worked for CACI International, W.J. Culver Consulting, CSDC, Delta Electronics, Litton Systems, Teledyne Avionics, and Amber Electronics. He has been certified in Novell and 3Com networks, and Ariba and Lotus Notes software. He has managed document imaging systems and software as well as database and Web development for a variety of e-commerce initiatives.Mr. Gardner holds a bachelor's degree in electrical engineering from the University of Virginia.

David Zugheri is the co-founder of Houston-based Envoy Mortgage and a member of Mortgage Technology�s Editorial Advisory Board.Prior to Envoy Mortgage, Zugheri started his career at the Resolution Trust Corp. and later worked at North American Mortgage, GE Capital and Irwin Mortgage. He has also served on the advisory councils of Lenders One Mortgage Cooperative, Countrywide Financial and the Texas Tech University Rawls School of Business.

Stanley M. Street, president of Street Resource Group, Inc. (SRG), manages the strategicvision of the company and oversees all consulting, sales, and customer relations activities. Street has 37 years of experience in the financial services industry and an unparalleledcommitment to leadership in the niche mortgage warehouse lending industry. With hisbackground as a business process engineer, Street provides thought leadership and deliversconsistent innovations in financial system methodologies and delivery systems through bothtechnology-based solutions and workflow re-organization.Street has had the opportunity to work in all facets of the retail mortgage lending and financial services industry. His experience includes accounting, loan servicing, bank operations, financial systems development, bank branch management, correspondent banking, mortgage lending and secondary market.With a diverse set of business process engineering skills, Street created and managed aconsulting group within the correspondent banking department at National Bank of Georgiaand took additional leadership roles that included presentation of lectures, seminars andworkshops for bank employees, vendors and regulators on emerging issues. He was thenappointed the bank’s financial systems manager, which made him responsible for completelyautomating the financial planning, analysis and reporting department. In 1986, Street Resource Group, Inc. was founded with a mission to provide informationsystems and business process consulting to the financial services industry. Street has grownthe company to be the leader in mortgage warehouse lending technology. Street is a quoted subject matter expert and byline contributor for several trade and nationalpublications, including Mortgage Banking, Mortgage Technology, National Mortgage Newsand the Wall Street Journal. His articles explore issues related to the impact of secondarymarket technologies, the implementation of best business practices, and the significance of theof mortgage warehouse lending to the mortgage industry in general.

Sig Anderman is the founder and chief executive officer of Ellie Mae® (NYSE Amex: ELLI), a leading automation solutions provider for the residential mortgage industry. More than 14 years after founding Ellie Mae, Mr. Anderman continues as a guiding force for the company’s vision and strategic direction. Ellie Mae became a publicly traded company in 2011,and has established itself as one of the foremost names in the mortgage banking sphere, with an estimated 20% of new mortgages initiated across the Ellie Mae Network™ using the Encompass360® Mortgage Management Solution each year. The company’s growth and success directly reflect Mr. Anderman’s keen understanding of the mortgage industry and his ability to assemble a winning team that turns vision into reality.Mr. Anderman is a respected leader in mortgage industry automation. Ellie Mae is his fourth successful business venture during the past 35 years. All of his businesses involved computer technology applications to streamline real estate-related services. He founded CompuFund, the industry’s first computer-based mortgage banking network, later sold to Great American Bank, and Inspectech, a high-tech home inspection company acquired by LandAmerica. He also co-founded American Home Shield, a home warranty company and now a division of ServiceMaster. In 2006, Mr. Anderman ranked among the “100 Most Influential Real Estate Leaders” and in 2007, Inman News named him one of the “20 Most Influential Leaders in the Mortgage Industry.” He is a noteworthy speaker and presenter, and has been featured in numerous books and articles relating to entrepreneurship, business strategy, corporate leadership and management.

Jeff S. Bell serves as Senior Vice President and Chief Information Officer, responsible for technology strategy, innovation, development and management of information technology throughout PHH Corporation. Mr. Bell has more than 15 years of experience in information and large scale acquisition integrations, most recently as the Senior Vice President of eCommerce at Bank of America. Mr. Bell has also served in executive positions at Countrywide Financial, AndersonBell Partners, Kaleidico, LLC and DeepGreen Financial. Mr. Bell earned a BS degree in Computer Science from Anderson University and an MBA from Wright State University.

Avi Naider is chairman and CEO of ACES Risk Management Corp. in Fort Lauderdale, Fla. His background as a software entrepreneur and business leader includes founding a successful Internet advertising company, restructuring portfolio companies for a major private equity firm and working as a strategy consultant for the Boston Consulting Group (BCG). Avi writes for mortgage industry publications about technology and industry compliance changes. He graduated from Princeton University, with a degree from the Woodrow Wilson School of Public Policy and International Affairs.�

Wayland is VirPack's vice president of sales and marketing where he oversees sales and client relations, and partners closely with the software team on product development to ensure customer feedback is incorporated into the company's technology solutions. He joined VirPack in 2000 and helped pioneer the mortgage industry's first eDelivery of a fully indexed loan file, and has on-boarded virtually every customer since the company's inception. He holds a bachelor's degree from the Jepson School of Leadership Studies at the University of Richmond.