Banco Popular de Puerto Rico

Mary M. Pfaff is a Senior Policy Director at the Conference of State Bank Supervisors in Washington, D.C. In that role, she works with state regulator and industry users of the Nationwide Mortgage Licensing System & Registry (NMLS) on regulatory and policy issues related to state coordination. She is also responsible for assisting in the development and management of SAFE Act-related regulatory issues. Prior to joining CSBS in May of 2009, she was the Director of State Government Relations at Freddie Mac where she was responsible for developing and representing Freddie Mac’s views and positions on legislative and regulatory initiatives to state officials and their staffs, and for leading corporate responses to state initiatives.In addition to her position at CSBS, Ms. Pfaff is editor and owner of the Monthly Mortgage Compliance Newsletter, a publication that reports on new state legislative and regulatory developments of interest to the mortgage banking industry. She is also co-author of Residential Mortgage Lending: State Regulation Manual published by West Group. Prior to coming to Freddie Mac in 1992, Ms. Pfaff was a Government Relations Liaison with a D.C. law firm specializing in mortgage banking issues and spent nine years as the MBA of America's State and Local MBA Liaison.

Michael Harris has recently joined Carrington Mortgage Holdings, LLC as the President of their Carrington Property Services division. Michael has a diversified marketing and management background including the financing, mortgage servicing, and government industries. Prior to his association with Carrington, Michael was President of Stewart Asset Recovery which administered all asset management and marketing services for Stewart Title. Previously in his career Michael had the positions of Vice President of Operations at First American REO where oversaw all operational responsibilities for the company as well as Vice President of Operations at Fidelity National Asset Management Solutions where he managed the Western regional office. Michael also had the position of Director of REO at Option One Mortgage. As the Regional Operating Director for First Preston Management he was involved with the pilot marketing outsource for HUD. Michael started his career in REO when he ran the REO division of NRT, Inc where he managed assets for Fannie Mae and Freddie Mac, among others.

Mr. Yaninek serves as senior vice president, Director of Marketing, Product, Customer Experience and Consumer Direct Sales for Fifth Third Mortgage Company. He is responsible for working with each mortgage channel to provide marketing and product strategies and programs to accelerate the Fifth Third Mortgage Company business. He joined the bank in January 2010.He was formerly with JP Morgan Chase where he was responsible for mortgage strategy for retail bank branches without on-site loan officers. Prior to JP Morgan Chase, he managed the Home Loans Strategic Marketing organization for Washington Mutual. He has also worked for Wells Fargo where he managed Acquisition Marketing within the Consumer Credit Group.

Eric Lichtenheld is president of Tucson, Ariz.-based Integra Group Real Estate LLC.

Matt Merlone is the director of loan review solutions at Interthinx, Agoura Hills, Calif.

Atare Agbamu is president/CEO of advisory firm ThinkReverse LLC, Oakdale, Minn. He previously was director of reverse mortgages at AdvisorNet Mortgage LLC, Minneapolis. Agbamu has experience both originating and marketing reverse mortgages. He also is an author of a book about the loans and has written more than 250 articles on the topic since 2002.

Michael Halpern is the director of community initiatives at Safeguard Properties, a mortgage field services company headquartered in Cleveland, Ohio that inspects and maintains defaulted and foreclosed properties nationwide.

Bill Emmons is an Assistant Vice President and Economist at the Federal Reserve Bank of St. Louis. He conducts policy analysis and speaks frequently on topics including the economy, housing and mortgage markets, banking, financial markets, and financial regulation. Mr. Emmons has been with the St. Louis Fed since 1995. He also serves as an Adjunct Professor of Finance in the John M. Olin Business School at Washington University in St. Louis. Prior to joining the St. Louis Fed and Washington University, he was on the faculty of the Amos Tuck School of Business at Dartmouth College, in Hanover, New Hampshire. Mr. Emmons received a PhD degree in Finance from the J.L. Kellogg School of Management at Northwestern University. He received bachelors and master's degrees from the University of Illinois at Urbana-Champaign.