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							<h3 class="speaker-name">Harry Gardner</h3>
							<h4 class="speaker-company"> Consultant, Mortgage Technology </h4>
							<h4 class="speaker-company">&nbsp;</h4>
							<p>Harry Gardner is a consultant on mortgage technology development and implementation, and a frequent speaker and writer on eMortgages, industry standards and enterprise data management issues. </p>
							<p>Mr. Gardner was previously the Vice President of Industry Technology for the Mortgage Bankers Association, and was the President of MISMO, Inc. (<a href="http://www.mismo.org">www.mismo.org</a>). </p>
							<p>MISMO is comprised of lenders, investors, technology and services companies, and key industry players. MISMO was formed in January 2000 to address electronic commerce issues in the mortgage industry. In January 2001, it launched the eMortgage Workgroup to develop technical specifications and industry guidance for eMortgage adoption. </p>
							<p>Mr. Gardner also oversaw the efforts of MBA&rsquo;s various technology committees and their task forces. In 2007 he founded the Residential Technology Providers Forum, representing the mortgage industry&rsquo;s software and services community. </p>
							<p>Recently named one of Mortgage Banking magazine&rsquo;s 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).&nbsp; </p>
							<p>Gardner has developed hardware and software technology solutions for more than 28 years, including electronic systems for the aerospace, broadcast and audio industries. He has been a Novell- and 3Com-certified local area network (LAN) administrator and has managed document imaging systems and software as well as database and Web development for a variety of e-commerce initiatives.</p>
							<p>Prior to MBA, Mr. Gardner was Director of Custom Integration with Ultraprise, a Frederick, MD, mortgage technology startup. Gardner has more than 28 years of management and technical experience in electronics design, software development, e-commerce, government contract management and systems integration, and network systems support. In addition to Ultraprise, he has worked for CACI International, W.J. Culver Consulting, CSDC, Delta Electronics, Litton Systems, Teledyne Avionics, and Amber Electronics. Mr. Gardner has been a network administrator and certified in Novell, 3Com, and Ariba technologies.</p>
							<p>Mr. Gardner holds a bachelor's degree in electrical engineering from the University of Virginia.</p>
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